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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) · pp. 12–18

DOI
10.15575/jim.v6i1.42436
ISSN
2723-1526
Published
2025-04-19
Publisher
FEBI UIN Sunan Gunung Djati Bandung
Language
eng
License
creativecommons.org/licenses/by-nc-sa/4.0

Abstract

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.

Keywords

Collaboration network of the authors

40 authors · 80 co-authorship links · 18 across different organisations · showing the 40 most connected

Hover or tap a name to highlight its co-authors. Double-click to open the author's page.

  • Hasanuddin University
  • Universitas Bina Sarana Informatika
  • Riau University
  • Universitas Muhammadiyah Malang
  • Universitas Halu Oleo
  • Institut Agama Islam Negeri Kendari
  • Tanjungpura University
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Deden SumpenaAffiliation unknown3
Ivan Fauzani RaharjaAffiliation unknown2
Latifah AmirAffiliation unknown2
Saeful AnwarAffiliation unknown2
Ulung PribadiAffiliation unknown2
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 MartonoAffiliation unknown1
Kintan Putri SalsabiilAffiliation unknown1
Asmita AhmadHasanuddin University1
Ratna HusainHasanuddin University1
Rohaya LangkokeHasanuddin University1
Meinarni ThamrinHasanuddin University1
SukardiAffiliation unknown1
AgussalimAffiliation unknown1
Elfi Nola TumanggerAffiliation unknown1
nurjanah nurjanahAffiliation unknown1
Ramlan RamlanAffiliation unknown1
Asadatun AbdullahAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://journal.uinsgd.ac.id/index.php/komitmen/oai, first harvested 7 Nov 2026, last seen 8 Nov 2026.
Original metadata (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>