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ZERO DEBT STRATEGY FOR EDUCATIONAL INSTITUTION SUSTAINABILITY: REVIEW OF MUDHARABAH CONTRACTS IN BUSINESS UNIT DEVELOPMENT

KOMITMEN: Jurnal Ilmiah Manajemen · Vol. 6 No. 1 (2025) · hlm. 12–18

DOI
10.15575/jim.v6i1.42436
ISSN
2723-1526
Terbit
2025-04-19
Penerbit
FEBI UIN Sunan Gunung Djati Bandung
Bahasa
eng
Lisensi
creativecommons.org/licenses/by-nc-sa/4.0

Abstrak

This study explores the integration of Mudharabah contracts as a financial strategy for private educational institutions to achieve sustainability without relying on debt. Private schools face significant challenges due to limited funding sources and dependency on tuition fees, which often lead to financial strain. The research highlights the potential of Mudharabah-based business units in creating alternative revenue streams to reduce financial burdens and enhance stability. By adhering to Sharia principles, such as profit-sharing agreements and transparent management, educational institutions can foster ethical, debt-free growth. This qualitative study employs content analysis to examine the literature on Mudharabah practices and their role in improving financial resilience. The findings underscore the importance of diversifying income through Sharia-compliant business models to ensure long-term financial independence and quality education delivery.

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  • Hasanuddin University
  • Universitas Bina Sarana Informatika
  • Riau University
  • Universitas Muhammadiyah Malang
  • Universitas Halu Oleo
  • Institut Agama Islam Negeri Kendari
  • Tanjungpura University
  • Afiliasi tidak diketahui
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Rekan penulisOrganisasiArtikel bersama
Deden SumpenaAfiliasi tidak diketahui3
Ivan Fauzani RaharjaAfiliasi tidak diketahui2
Latifah AmirAfiliasi tidak diketahui2
Saeful AnwarAfiliasi tidak diketahui2
Ulung PribadiAfiliasi tidak diketahui2
Hartati HartatiInstitut Agama Islam Negeri Kendari2
Ridwansyah RidwansyahUniversitas Bina Sarana Informatika1
Henny DestianaUniversitas Bina Sarana Informatika1
Sugiono SugionoUniversitas Bina Sarana Informatika1
Abdul HamidUniversitas Bina Sarana Informatika1
Wahyu AndhikaUniversitas Muhammadiyah Malang1
Munifah NurUniversitas Muhammadiyah Malang1
Rizkhi Dwi NugrohoUniversitas Muhammadiyah Malang1
Dwi Marisa MidyantiTanjungpura University1
Syamsul BahriTanjungpura University1
Risnawati RisnawatiInstitut Agama Islam Negeri Kendari1
Usman PatoRiau University1
Ahmad RifaiRiau University1
Evy RossiRiau University1
Arfendi ArfendiRiau University1
Adris Ade PutraUniversitas Halu Oleo1
Ridwan Syah NuhunUniversitas Halu Oleo1
Siti Nurjanna AhmadUniversitas Halu Oleo1
Nanang MartonoAfiliasi tidak diketahui1
Kintan Putri SalsabiilAfiliasi tidak diketahui1
Asmita AhmadHasanuddin University1
Ratna HusainHasanuddin University1
Rohaya LangkokeHasanuddin University1
Meinarni ThamrinHasanuddin University1
SukardiAfiliasi tidak diketahui1
AgussalimAfiliasi tidak diketahui1
Elfi Nola TumanggerAfiliasi tidak diketahui1
nurjanah nurjanahAfiliasi tidak diketahui1
Ramlan RamlanAfiliasi tidak diketahui1
Asadatun AbdullahAfiliasi tidak diketahui1

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.uinsgd.ac.id/index.php/komitmen/oai, pertama di-harvest 7 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en-US">ZERO DEBT STRATEGY FOR EDUCATIONAL INSTITUTION SUSTAINABILITY: REVIEW OF MUDHARABAH CONTRACTS IN BUSINESS UNIT DEVELOPMENT</dc:title>
	<dc:creator>Dewi, Ratna</dc:creator>
	<dc:creator>Iqbal, Muhammad</dc:creator>
	<dc:creator>Fathony, Aditya Achmad</dc:creator>
	<dc:creator>Rahayu, Nenden Sri</dc:creator>
	<dc:creator>Setiawan, Djodi</dc:creator>
	<dc:subject xml:lang="en-US">Mudharabah Contracts</dc:subject>
	<dc:subject xml:lang="en-US">Zero Debt</dc:subject>
	<dc:subject xml:lang="en-US">Educational Institution Sustainability.</dc:subject>
	<dc:description xml:lang="en-US">This study explores the integration of Mudharabah contracts as a financial strategy for private educational institutions to achieve sustainability without relying on debt. Private schools face significant challenges due to limited funding sources and dependency on tuition fees, which often lead to financial strain. The research highlights the potential of Mudharabah-based business units in creating alternative revenue streams to reduce financial burdens and enhance stability. By adhering to Sharia principles, such as profit-sharing agreements and transparent management, educational institutions can foster ethical, debt-free growth. This qualitative study employs content analysis to examine the literature on Mudharabah practices and their role in improving financial resilience. The findings underscore the importance of diversifying income through Sharia-compliant business models to ensure long-term financial independence and quality education delivery.</dc:description>
	<dc:publisher xml:lang="en-US">FEBI UIN Sunan Gunung Djati Bandung</dc:publisher>
	<dc:date>2025-04-19</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.uinsgd.ac.id/index.php/komitmen/article/view/42436</dc:identifier>
	<dc:identifier>10.15575/jim.v6i1.42436</dc:identifier>
	<dc:source xml:lang="en-US">KOMITMEN: Jurnal Ilmiah Manajemen; Vol. 6 No. 1 (2025): KOMITMEN: Jurnal Ilmiah Manajemen; 12-18</dc:source>
	<dc:source>2723-1526</dc:source>
	<dc:source>10.15575/jim.v6i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.uinsgd.ac.id/index.php/komitmen/article/view/42436/12020</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2024 Komitmen: Jurnal Ilmiah Manajemen</dc:rights>
	<dc:rights xml:lang="en-US">https://creativecommons.org/licenses/by-nc-sa/4.0</dc:rights>
</oai_dc:dc>