Diversifikasi Keuangan Berbasis Syariah dalam Kemandirian Ekonomi Lembaga Pendidikan Islam
DOI:
https://doi.org/10.64994/silah.v2i2.59Keywords:
Financial Diversification, Economic Independence, BUM YMIAbstract
The focus of this study is to describe the financial diversification strategy through the establishment of the Madrasah Islamiyah Foundation-Owned Enterprise (BUM YMI) as an effort to achieve economic independence in Islamic educational institutions. A descriptive qualitative approach was employed, with data collected through interviews, observations, and documentation. The findings indicate that the establishment of BUM YMI serves as a rational strategy to reduce fiscal dependence on external funding sources and strengthen the financial sustainability of the institution. The enterprise applies a related diversification model utilizing internal potentials such as school canteens, rental spaces, and educational supply services. Islamic economic values, such ta’awun, ‘adl and maslahah serve as ethical foundations within a hybrid governance system that balances social mission and profit orientation. The study concludes that integrating sharia principles with modern management practices can create a sustainable, adaptive, and equitable economic model for Islamic educational institutions.
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