Al-Fikru: Jurnal Ilmiah
P-ISSN: 1978-1326
E-ISSN: 2721-4397
Vol.
19 No.
https://jurnal.
id/index.
php/alfikru BUILDING PESANTREN INDEPENDENCE THROUGH INNOVATION
IN PESANTREN COOPERATIVES
Erpiana Siregar.
Titi martini Harahap.
Resi Atna Sari Siregar Sekolah Tinggi Agama Islam Negeri Mandailing Natal Jl.
Prof.
Dr.
Andi Hakim Nasution Panyabungan.
Mandailing Natal.
Sumatera Utara Email: erpiana77@gmail.
com, titimartiniharahap@stain-madina.
id, resiatnasari@gmail.
Abstract: This research departs from the challenges of modernization that affect the moral and spiritual values of the younger generation, including in the context of Islamic education.
Pesantren, as educational institutions that have an important role in shaping the character of santri, face the need to become economically independent so as not to depend on government The purpose of this study is to analyze the model of pesantren economic independence through the management of pesantren cooperatives, as well as how these cooperatives can support the economic empowerment of pesantren and the surrounding community.
This research uses a descriptive qualitative approach with data collection methods through interviews, observation, and documentation.
The results showed that Al-Abraar Islamic Boarding School succeeded in developing several effective cooperative business units, such as oil palm plantations and animal husbandry, to support its economic independence.
On the other hand.
Musthafawiyah Islamic Boarding School faces obstacles in cooperative management due to limited licensing and management quality.
The implication of this study is the importance of strengthening the managerial capacity and governance of cooperatives to achieve sustainable economic independence of pesantren.
Keywords: Economic Independence.
Pesantren Cooperatives.
Management Abstrak: Penelitian ini berangkat dari tantangan modernisasi yang mempengaruhi nilai moral dan spiritual generasi muda, termasuk dalam konteks pendidikan Islam.
Pesantren, sebagai lembaga pendidikan yang memiliki peran penting dalam membentuk karakter santri, menghadapi kebutuhan untuk menjadi mandiri secara ekonomi agar tidak bergantung pada bantuan pemerintah.
Tujuan penelitian ini adalah untuk menganalisis model kemandirian ekonomi pesantren melalui pengelolaan koperasi pesantren, serta bagaimana koperasi ini dapat mendukung pemberdayaan ekonomi pesantren dan masyarakat sekitar.
Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan metode pengumpulan data melalui wawancara, observasi, dan dokumentasi.
Hasil penelitian menunjukkan bahwa Pondok Pesantren Al-Abraar berhasil mengembangkan beberapa unit usaha koperasi yang efektif, seperti perkebunan kelapa sawit dan peternakan, untuk mendukung kemandirian Di sisi lain.
Pondok Pesantren Musthafawiyah menghadapi kendala dalam pengelolaan koperasi akibat terbatasnya perizinan dan kualitas manajemen.
Implikasi dari penelitian ini adalah pentingnya penguatan kapasitas manajerial dan tata kelola koperasi untuk mencapai kemandirian ekonomi pesantren yang berkelanjutan.
Kata Kunci: Kemandirian Ekonomi.
Koperasi Pesantren.
Manajemen Al-Fikru: Jurnal Ilmiah.
Vol.
No.
July-December 2025
INTRODUCTION
Islamic a p-ISSN: 1978-1326 a e- ISSN: 2721-4397 Pesantren now not only teach religious knowledge, but are also abbreviated as ponpes, are one of the oldest involved in social activities, community Islamic educational institutions in Indonesia development, and economic empowerment with strong historical roots and close ties to of the people.
This transformation is proof the community (Daulay & Tobroni, 2017.
that pesantren are able to adapt to the Steenbrink, 1.
Throughout its history, challenges of the times without abandoning pesantren have not only functioned as the Islamic values that are their main religious educational institutions focused on In this context.
Islamic boarding teaching classical Islamic texts and moral schools are considered to have great guidance for students, but also as social, cultural, economic, and even political institutions that have played a significant empowerment based on Islamic values role in shaping the character of the nation.
(Alfarizi & Ngatindriatun, 2022.
Bakhri.
Pesantren have been able to produce cadres Hanafie & Halik, 2.
of scholars, leaders, and community figures One tangible form of pesantren who are influential in the social and spiritual life of Indonesian society (Fauroni establishment of pesantren cooperatives & Quraisy, 2019.
Marwini, 2.
Various .
This idea began to develop studies have mentioned that in areas where rapidly after the 1997 monetary crisis that there are many Islamic boarding schools, hit Indonesia.
When many conventional the level of religiosity of the community financial institutions collapsed, a number of tends to be higher and economic activity is Islamic boarding schools were able to more vibrant compared to areas with few Islamic boarding schools (Saputra et al.
financial institutions, such as the BMT This proves that Islamic boarding Maslahah Mursalah lil Ummah Cooperative, schools play an important role not only in which was founded by alumni and activists the transmission of religious knowledge, of the Sidogiri Islamic Boarding School.
but also in building the social and economic few years later, the BMT UGT Sidogiri ecosystem of the surrounding community.
Cooperative .
ow known as BMT UGT sharia-based Initially.
Islamic boarding schools Nusantar.
was also established.
The were only understood as traditional Islamic success of these two institutions became an educational institutions that functioned to important milestone for the emergence of produce scholars and religious teachers.
the pesantren economic independence However, with the development of the movement in Indonesia (Bakhri, 2.
The times and the complexity of community Sidogiri Pesantren became known not only needs.
Islamic boarding schools have as an educational institution but also as a 281 | Building Pesantren Independence Through Innovation in Pessantren Cooperatives Al-Fikru: Jurnal Ilmiah.
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July-December 2025 a p-ISSN: 1978-1326 a e- ISSN: 2721-4397 community economic center that was highly donations, but able to manage their own resilient to crises.
resources independently and sustainably.
The success of Sidogiri shows that Islamic Islamic boarding schools does not mean potential in creating alternative economic that all other Islamic boarding schools are systems based on Islamic values.
This is boarding schools in Indonesia, especially in Indonesian Minister of Religious Affairs.
East Java, have long demonstrated strong Yaqut Cholil Qoumas, who emphasized the economic independence.
Examples include importance of the independence of Islamic the Sidogiri Islamic Boarding School, the boarding schools.
The official website of the Lirboyo Islamic Boarding School, the Ministry of Religious Affairs mentions three Tebuireng main reasons why Islamic boarding schools School, and the Gontor Islamic Boarding need to be independent.
First.
Islamic School.
These Islamic boarding schools boarding schools are educational centers excel not only in education but also in that have proven their resilience and have excellent human resources.
Second.
Islamic However, the designation of these nine boarding schools have great economic The Jombang Several Islamic Islamic Boarding potential if their resources are synergized Islamic boarding schools can be seen from with the surrounding community.
Third, the example of the Sidogiri Islamic Boarding Islamic School, which has successfully refused Indonesia school operational assistance funds since extensive network, making them a potential 2011 because it has sufficient internal economic force for the people and the Data shows that Sidogiri is able to Thus, the economic empowerment generate an income of IDR 1.
7 billion per of Islamic boarding schools has become one year, exceeding the of the government's strategic agendas to operational assistance funds of IDR 1.
strengthen the role of Islamic boarding This income comes from three main schools in national development.
cooperatives owned by the pesantren, value of school As a form of implementation of this namely Kopontren Sidogiri .
stablished in policy, the Ministry of Religious Affairs has 1.
Koperasi BMT Maslahah .
, and designated nine Islamic boarding schools as Koperasi BMT UGT Nusantara .
pilot projects for the Islamic boarding These three cooperatives are included in This the list of the 100 largest cooperatives in program aims to make Islamic boarding Indonesia according to Peluang Magazine, schools no longer completely dependent on ranking 4th, 14th, and 92nd, respectively.
government assistance funds such as School addition.
Kopontren Sidogiri has two Operational subsidiaries, namely PT Sidogiri Mitra Assistance Erpiana Siregar.
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July-December 2025 Utama, "Toko a p-ISSN: 1978-1326 a e- ISSN: 2721-4397 (Kopontren Al-Abraa.
, which has official Basmalah" retail chain with more than 190 branches in East Java, and the limited 43/BH/KWK.
2/i/1996.
This cooperative liability company Sidogiri Mandiri Utama, manages several business units, such as which produces bottled water under the cattle farming, water supply, drinking water brand name Santri.
This success is concrete depots, and a cooperative canteen.
The proof that the Sidogiri Islamic Boarding existence of these businesses not only helps School can be financially independent and the pesantren's operations but also opens make a tangible contribution to the welfare of the surrounding community.
surrounding community.
On the other hand.
The existence of Islamic boarding Number the Musthafawiyah Islamic Boarding School in Mandailing NatalAione of the oldest throughout the country and their proximity pesantren in IndonesiaAihas a savings and to the community make Islamic boarding loan cooperative for teachers.
Despite its schools strategic agents of social change.
great potential, given that it has thousands Islamic boarding schools can play an active role in solving various community problems pesantren has not been developed to its full such as poverty, economic inequality, low literacy, and even environmental issues In fact, the development of (Jazil et al.
, 2021.
Shofiyuddin et al.
, 2.
cooperatives in pesantren has the potential Therefore.
Islamic boarding schools need to to have a significant economic impact on expand their functions from being mere both the pesantren and the surrounding empowerment institutions, especially in the This fact shows that there is still a economic field.
One of the most potential gap in the level of economic independence instruments to achieve this is Islamic boarding school cooperatives.
Cooperatives Indonesia.
Some Islamic boarding schools are not only a means to strengthen the have been able to become independent with institution's economy but also a forum for a strong cooperative business model, while learning entrepreneurship for students and others still depend on external assistance.
the community around the Islamic boarding Therefore, an in-depth study is needed to Islamic Several Islamic boarding schools in independence model of Islamic boarding Sumatra have also begun to develop their schools is formed, particularly through the cooperative-based economic potential.
For management of Islamic boarding school example, the Al-Abraar Islamic Boarding An important question that School in South Tapanuli has formed the arises is how cooperative management Islamic strategies can support the independence of Boarding School Cooperative 283 | Building Pesantren Independence Through Innovation in Pessantren Cooperatives Al-Fikru: Jurnal Ilmiah.
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July-December 2025 a p-ISSN: 1978-1326 a e- ISSN: 2721-4397 Islamic boarding schools and to what extent researchers to present discussions based on Islamic data obtained from observations and direct contribute to the welfare of the surrounding interactions with research subjects.
Thus, this approach can clarify the research Based on this description, this study objectives and help researchers achieve aims to analyze the economic independence model of Islamic boarding schools through accordance with the realities in the field.
the management of Islamic boarding school This research was conducted in two cooperatives by conducting a study at the locations, namely the Al-Abrar Islamic Al-Abraar Islamic Boarding School in Boarding School located in Sihuik-huik Pondok , and the Musthafawiyah Islamic Village.
South Angkola District.
South Boarding School.
This study is important Tapanuli Regency.
North Sumatra Province, because it can contribute scientifically to the and the Musthafawiyah Islamic Boarding development of Islamic economic theory School located in Purba Baru Village, based on Islamic boarding schools and Lembah Sorik Marapi District.
Mandailing serve as a practical reference for Islamic Natal Regency.
North Sumatra Province.
boarding school administrators and policy These makers in strengthening the economic purposively because they have different characteristics in terms of pesantren institutions in Indonesia.
Thus, this research cooperative management: Al-Abrar Islamic is expected to enrich the literature on Boarding School has developed several pesantren economics and strengthen the active cooperative business units, while position of pesantren as institutions that not Musthafawiyah Islamic Boarding School only produce people with good character, only has a simple savings and loan This difference is important to independent, and contributing to the analyze in order to describe the various progress of the nation.
Islamic
METHOD
The type of approach used in this study is an empirical approach with a descriptive qualitative research design.
This approach was chosen because it allows researchers to understand phenomena in depth based on conditions in the field, through direct observation of the practice of economic independence in Islamic boarding According to Sugiyono .
, the empirical approach provides space for The parties directly involved in the economic management of Islamic boarding schools through cooperatives, namely cooperative In addition, interviews were also conducted with Islamic boarding information regarding the direction of Erpiana Siregar.
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July-December 2025 Informants were selected purposively, considering their involvement a p-ISSN: 1978-1326 a e- ISSN: 2721-4397 meaning of the data presented to answer the research questions.
To maintain data validity, this study pesantren's economic activities and their used source triangulation and technique ability to provide relevant information.
Source triangulation was Research data was obtained through carried out by comparing data obtained three main data collection techniques, from various informants, while technique namely in-depth interviews, participatory triangulation was carried out by combining observation, and documentation.
In-depth the results of interviews, observations, and conducted with key In addition, the researcher informants to explore information about the also conducted member- -checking to history, management, and impact of Islamic ensure that the data obtained was accurate and had not been misinterpreted.
institutional independence.
Participatory This research was conducted over a observation was conducted by directly period of three months, starting from the observing the economic activities of the pre-field stage for instrument preparation pesantren, such as cooperative activities, and licensing, the field data collection stage, transaction patterns, and social interactions to the analysis and writing of the research With this design and method, it is Documentation was used to hoped that the research results can provide obtain secondary data, such as cooperative a comprehensive picture of the economic archives, financial reports, and pesantren independence model of Islamic boarding policy documents.
schools through cooperative management.
The collected data were analyzed as well as provide recommendations for using Miles and Huberman's interactive Islamic analysis technique .
, which consists of three stages: data reduction, data independently and sustainably.
presentation, and conclusion drawing.
Data reduction was carried out by selecting.
RESULTS AND DISCUSSION focusing, and simplifying the raw data Overview of Cooperatives and Modern obtained from the field.
Data presentation Islamic Boarding School Businesses was carried out in the form of a narrative Cooperatives and Businesses of the Al- description that described the patterns and Abrar Modern Islamic Boarding School The cooperative under the auspices of emerged during the research.
The final the Al-Abrar Modern Islamic Boarding School is called the Al-Abrar Cooperative, verification, which involved interpreting the chaired by Ustaz Mardan Harahap, who has been the manager and person in charge of 285 | Building Pesantren Independence Through Innovation in Pessantren Cooperatives Al-Fikru: Jurnal Ilmiah.
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July-December 2025 a p-ISSN: 1978-1326 the Al-Abrar cooperative for the past seven Cattle.
The a e- ISSN: 2721-4397 From interviews with the cooperative managed by the Al-Abrar cooperative manager and several cooperative members, is cattle, but the researcher did not the researcher was able to explain the obtain any documentation because businesses that have been managed by the the location of this cattle farm is not cooperative at the Modern Al-Abrar Islamic on site but far away in Padang Bolak.
Boarding School, including:
This is because several previous Palm Oil Plantation.
The 4.
5-hectare foundations lived there and the cattle palm oil plantation belongs to the farm is still running today , with the previous foundation, which has been donated to the Islamic boarding boarding school treasurer.
school under the auspices of the Workshop.
Another business unit that This palm oil plantation was once managed by the Al-Abrar is located behind the Islamic boarding cooperative was a workshop, located school .
5 hectare.
and in front of not near the boarding school but rather in the center of the village, hectare.
on the riverbank.
Therefore, where many people live.
The initial harvesting and maintaining the palm plan for this workshop arose because oil plantation is fairly easy because it there were no workshops in the is close to the Islamic boarding school.
It had good prospects for After deducting maintenance costs, the entire harvest proceeds go to the students, employees, or teachers at boarding school treasurer's account.
the boarding school were skilled in After the cooperative was taken over mechanics, so a partnership was formed with an outside party, namely implemented a policy that is still in a mechanic.
The boarding school effect today, whereby the profits from provided the capital and the space, the palm oil harvest are distributed to while the mechanic provided the The mechanics also lived on condition that he asks how much the However, the workshop did not last long because there was still a lack boarding school is.
For example, if this of interest, while the experts needed year's mandatory contribution is to meet their needs, so they looked for around IDR 20,000,000, he will give side jobs.
As a result, the workshop that amount to the treasurer and became a side business and slowly distribute the rest to the cooperative died out on its own.
Islamic Ustaz Mardan Harahap, members as profit sharing.
However.
Water Depot.
The next business managed by the Al-Abrar Islamic Erpiana Siregar.
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July-December 2025 a p-ISSN: 1978-1326 a e- ISSN: 2721-4397 boarding school cooperative was a school, only covered the costs without water depot.
It was located in the any profit.
Therefore, the cooperative former workshop.
This depot has transferred its management to the been operating for approximately one local community through a rental year and is still running today.
The The tenants at provide all the water depot is managed by the local needs of the male and female students The target market for this through a rental system of Rp.
depot is the local community and 500,000 per month per waserba.
Thus, the boarding school's income cannot be said to be successful, the from the two waserba is Rp.
1,000,000
water depot is still operating to this per month.
Although The boarding school community Canteen.
Another business managed is also a regular customer of the depot, by the Al-Abrar Islamic boarding in addition to the village community.
school cooperative is the boarding school canteen.
This canteen is cooperative is currently in the process managed by the cooperative in of managing mineral water.
collaboration with other parties.
The General store cooperative acts as the investor, while The convenience store business is a business that sells household goods.
The items sold in this groceries, office supplies, and services.
canteen include various types of food It is also managed by the Islamic and snacks.
There is a profit-sharing boarding school as a convenience arrangement between the cooperative store that provides various needs for and the managers, although it is not significant and depends on income, as the target customers are only the male convenience store in the male student and female students.
These students area and the convenience store in the do not necessarily have a lot of pocket female student area.
money every day.
There Initially, the store was opened by male and female The Cooperative and Business of the students who were trusted to take Mustafawiyah turns managing it from the upper Boarding School Purba Baru Islamic classes with the aim of teaching The Mustafawiyah Islamic Boarding students to become entrepreneurs by School Cooperative, as a business unit, has selling goods at the store provided by been operating since 1992.
However, its the cooperative.
Over time, the income establishment deed was only legalized in from the store, which was expected to 2004 through the Decree of the Minister of generate revenue for the boarding Cooperatives and Small and Medium 287 | Building Pesantren Independence Through Innovation in Pessantren Cooperatives Al-Fikru: Jurnal Ilmiah.
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July-December 2025 a p-ISSN: 1978-1326 a e- ISSN: 2721-4397 Enterprises of the Republic of Indonesia school took advantage of by opening a Number:
518/117/BH/KK-MN/X/2004
gold mining business under the concerning the Ratification of the Deed of command of the cooperative, even Establishment Cooperatives/Amend- though it had not yet obtained an ments to the Articles of Association of official permit.
This venture was Cooperatives initially very profitable and helped the Cooperatives and Small and Medium pesantren financially before it was Enterprises, on October 11, 2004, in finally shut down by the local Panyabungan.
The company name is government around 2019 until now "Koperasi Musthafawiyah" because it did not have an operating (Musthafawiyah Employee Cooperativ.
Its The proceeds from the gold business activities include retail trade, small mine were given to the pesantren traders in the field of goods and services, treasurer for operational purposes.
savings and loans, and telephone services.
The proceeds were used to finance the Karyawan Minister Over time, leadership changed and infrastructure, including the addition changing of several generations.
From operation of this gold mine did not interviews with Mustafawiyah.
Mr.
Mukhlis, involve the Islamic boarding school the Secretary of the Islamic boarding school, .
eachers or staf.
but involved explained that the Mustafawiyah Islamic experts in the field of gold mining who Boarding School Cooperative had been were paid by the foundation.
This was registered at the central office since long done to keep the teachers and staff of ago and had been involved in various the Islamic boarding school focused businesses, ranging from gold mining, sweet on their roles in providing education orange plantations, lemongrass oil, coconut at the boarding school.
Sweet Orange disappeared and reappeared with the flour production, etc.
All of these businesses Garden.
The were running at their peak until Covid-19 Mustafawiyah Islamic boarding school struck, causing all of them to stop has quite a large area of land.
This potential is utilized by the pesantren researcher explains in more detail the cooperative to its fullest by planting businesses that have been carried out by sweet oranges, which are expected to the Mustafawiyah Islamic Boarding School, help the pesantren's finances.
The which are managed by the boarding school sweet orange orchard covers an area cooperative, including:
of approximately two hectares.
This Here.
Gold Mining: Mandailing Natal is one business was initially well-managed of the regions rich in natural gold and ran smoothly for several years.
resources, which the Islamic boarding However, it began to be neglected Erpiana Siregar.
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July-December 2025 a p-ISSN: 1978-1326 a e- ISSN: 2721-4397 after the orange trees bore fruit and Until now, the plantation should have been harvested for profit, still exists but is no longer maintained.
A bread flour factory made from The sweet oranges were The Panyabungan area in often picked by the students.
The South Tapanuli is famous for its location of the orchard, which was not far from the Islamic boarding school, natural potential, the Islamic boarding and the large number of students, school cooperative sought to utilize it reaching tens of thousands, were by processing coconuts into bread factors that accelerated the depletion At that time, the boarding school of the orchard's yield.
In addition, cooperative received an offer of many students assumed that the cooperation with the Aroma Bread orchard belonged to the Islamic Company, known for its Aroma Kelapa boarding school, so they felt no guilt in (Coconut Flavo.
The boarding picking the fruit.
Furthermore, the boarding school cooperative, which cooperate, and a flour mill was built managed the sweet orange orchard, on land owned by the foundation near was unable to guard the orchard 24 the boarding school and managed by hours a day.
Because it never made a the cooperative.
The factory began operating, and the coconuts were neglected until it eventually died on turned into flour.
Laboratory tests its own.
were also conducted, and distribution Lemongrass Seeing permits were obtained.
However, the lemongrass oil distillation.
After the Covid-19 pandemic struck, halting orange plantation ceased to produce, production due to distribution issues.
The partnership was canceled, so the independently by the boarding school cooperative also built a distillation facility for the lemongrass.
Initially.
Tabagsel.
The this business also ran well and marketable, but resulting in thin reasonable profits.
However, over profits and an inability to recoup the time, this business also stopped initial investment.
because the price of lemongrass oil The savings and loan cooperative was fell, so that the operational costs could established specifically for teachers not be covered by the profits from the and employees of the Musthafawiyah Islamic 289 | Building Pesantren Independence Through Innovation in Pessantren Cooperatives The Al-Fikru: Jurnal Ilmiah.
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July-December 2025 a p-ISSN: 1978-1326 a e- ISSN: 2721-4397 cooperative's business unit, , is still managed by the cooperative.
The operational and has been the most payments for these motorcycles were consistent in its activities to date.
taken from the salaries of the teachers was initially established to assist teachers or employees in need of motorcycles, hence the formation of To further clarify the businesses this savings and loan cooperative.
managed by the two boarding schools that Initially, were studied, the researcher created a provided for six teachers.
Then, in 2017, there were 16 motorcycles Table 1.
Types of Cooperatives and Boarding School Businesses at al-Abrar and Musthafawiyah Al-Abrar Islamic Boarding School Cooperative Business Status Palm Oil Operating Plantation Cattle Farm Operational Workshop Not Operating Water Depot Operational Waserba Canteen Operational Walking Musthafawiyah Employee Cooperative Business Gold Mine Status Not Operating Sweet Orange Orchard Coconut Flour Factory Lemongrass Oil Distillery Savings and Loans Not running Not Operating Not Operating Walking The table above shows that the with a lemongrass business.
In addition, it businesses managed by the two Islamic also opened a business in processing boarding schools are in line with their coconuts into coconut flour with , utilizing economic potential.
These businesses aim to the same land potential and natural make the boarding schools self-sufficient so resources owned by the Panyabungan that they do not have to rely on tuition fees The Al-Abraar Islamic boarding and donations from the community and school cooperative also did the same thing.
Although some businesses namely opening several business units that have encountered obstacles and even were expected to help the boarding school's ceased operations, the boarding school If a business closed, it would be cooperatives are trying to replace them replaced with another business, such as a with other businesses that are considered workshop that was no longer operating, to have economic value and benefits for the which was replaced with a water depot boarding schools.
When the Musthafawiyah Islamic boarding school cooperative failed in its sweet orange business, it replaced it Erpiana Siregar.
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July-December 2025 a p-ISSN: 1978-1326 a e- ISSN: 2721-4397 The Role of Islamic Boarding School Funding Source: Through the pesantren Cooperatives in Making Islamic Boarding cooperative's business unit, namely the Schools Independent palm oil plantation, which is one of the Self-reliance is the ability or state of sources that helps in financing the being able to stand on one's own without pesantren's operations.
This is because depending on others (Hasan Alwi: 2.
The independence of the Islamic boarding plantation are used entirely for the school means that the Islamic boarding pesantren's operations.
school can carry out economic activities Increased availability and accessibility of both inside and outside the boarding school daily necessities.
The existence of a department store, water depot, and development and expansion of businesses carried out with good management, so that businesses provides benefits for santri in it can carry out its obligation to provide fulfilling their daily needs.
This cooperative provides opportunities community with funding support from for students or residents of the Islamic these businesses in a circular and adequate boarding school to engage in economic manner so that it can provide quality Through participation in the educational services to the internal and financial management, business skills.
Islamic Shofiyuddin et al.
, 2024.
Sholikhah, economically and equips them with Islamic This boarding school.
(Amrullah, 2019.
Khozin.
The useful skills for the future.
boarding schools is one of the programs of Of the several businesses managed the Minister of Religious Affairs.
Yaqut by the boarding school cooperative to make Kholil, by creating a Concept Map for the Al-Abraar boarding school independent, not Independence of Islamic Boarding Schools.
all have achieved maximum results.
This One way to achieve economic independence can be seen in the fact that the boarding for Islamic boarding schools is by forming school still receives assistance from the Islamic boarding school cooperatives.
This government for its development (Bakhri:
is because if Islamic boarding school This is because, for now, the profits cooperatives are managed optimally, they from the cooperative's ongoing businesses will have a strategic role in making Islamic are only enough to slightly increase the boarding schools independent.
boarding school's income.
Therefore, the In this study, the role of the Al- boarding school's sources of funding, apart Abrar Islamic boarding school cooperative from the students' tuition fees, include in achieving independence is as follows:
funds from the Waqf Agency, government 291 | Building Pesantren Independence Through Innovation in Pessantren Cooperatives Al-Fikru: Jurnal Ilmiah.
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July-December 2025 a p-ISSN: 1978-1326 a e- ISSN: 2721-4397 assistance, and businesses managed by the of its members, especially in terms of By providing various financial Meanwhile, and business services that are profitable.
Musthafawiyah Islamic boarding school this cooperative helps members to cooperative in making the boarding school obtain additional income directly or independent, as seen by the author, is only members is usually distributed during cooperative in the form of a savings and the Annual General Meeting of Members loan cooperative.
This is because at the time (Rapat Anggota Tahuna.
The income of the research, the only active business was earned is in accordance with the the Musthafawiyah Employee Cooperative.
The role of the Musthafawiyah cooperative The greater the contribution, is as follows.
An alternative to sharia financing.
This Conversely, the smaller the contribution.
Musthafawiyah cooperative was initially established to The the smaller the income earned.
provide motor vehicles for teachers and Capital provider: The provision of capital employees of the Islamic boarding through a savings and loan mechanism is The first six motorcycles were useful for members for the purposes of purchased, followed by 16 more in 2017.
developing their businesses (Amaliyah.
This procurement was intended to The Musthafawiyah employee prevent Musthafawiyah Islamic boarding cooperative makes it easy for members school employees from engaging in to obtain loans with low interest rates usury if they had to choose financing accordance with sharia.
To date, this (Ashar, 2017.
Sofi, 2025.
Syaiful Bakhri & business unit continues to provide Ashari, 2.
financing through a murabahah sale and A sense of togetherness and solidarity purchase agreement system.
The item among members, because the profits being traded is gold.
When employees earned are returned to members in the need funding, they no longer have form of Surplus Operating Income.
Thus, difficulty finding financing because this the Musthafawiyah Savings and Loan cooperative can provide financing of up Cooperative is not only a financial to tens of millions of rupiah to its institution, but also a forum for economic and social empowerment for all its Increasing Musthawiyah Employee Cooperative The Mustahfawiyah Islamic plays an important role as an economic Boarding School Cooperative, with several forum that aims to improve the welfare of its large-scale businesses that eventually Erpiana Siregar.
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July-December 2025 a p-ISSN: 1978-1326 a e- ISSN: 2721-4397 ceased operations because they were not in However, cooperatives in line with their objectives, has not been able the pesantren environment often face to contribute to the independence of the various capital-related problems that can boarding school.
(Disemadi & Roisah, 2019.
hinder their growth and sustainability.
Menne Pesantren establishing cooperative businesses, they Musthafawiyah itself is already independent often only wait for assistance from the by itself from the source of santri fees and government, and the business will start the foundation's personal funds.
Because running when the funds from the starting approximately five years earlier.
Pesantren Musthafawiyah had not received (Nurjanah, 2.
But assistance from the government in the form of school operational assistance.
Limited Limited unprofessional cooperative management Challenges School Facing Islamic Cooperatives Boarding due to a lack of competent personnel Achieving (Jazil et al.
, 2021.
Marwini, 2.
Islamic Independence boarding school cooperatives are usually Entrepreneurship is not always smooth managed by administrators who also sailing, as various problems often arise that have other responsibilities within the can hinder business growth.
Obstacles in boarding school, such as teaching or running a business can arise due to various This situation causes divided factors, namely: .
Failure in planning and cooperative management that is not thorough planning and implementation are professional and optimal.
This is in line more vulnerable to obstacles.
Changes with the acknowledgment of Ustaz in the business environment.
A constantly Mardan Harahap as the person in charge changing business environment can be a of the Al-Abrar Islamic boarding school challenge for businesses to adapt to.
cooperative that, apart from being a Failure to manage risk.
Businesses that are cooperative administrator, he also has to unable to manage risk properly are more actively teach.
Similarly.
Ustaz Sapriono, vulnerable to losses, and so on.
Businesses The types of obstacles faced by Musthafawiyah Islamic boarding school pesantren cooperatives in running their cooperative, also has to actively teach businesses include:
and manage the cooperative.
Capital limitations.
Capital limitations Lack of knowledge about cooperatives can restrict the capacity of cooperatives and members' lack of understanding to provide optimal services to their about cooperatives also hinder their Capital is one of the crucial active participation.
Members' lack of factors in the development of pesantren understanding about the functions, 293 | Building Pesantren Independence Through Innovation in Pessantren Cooperatives Al-Fikru: Jurnal Ilmiah.
Vol.
No.
July-December 2025 a p-ISSN: 1978-1326 a e- ISSN: 2721-4397 Poor Management, quality can lead to cooperatives is one of the main ineffective decisions, a lack of clear obstacles in the development of Islamic strategy, and an inability to cope with boarding school cooperatives.
Many market changes.
Effective management is members, especially students and the essential for long-term success.
surrounding community, do not fully Government Regulations understand how cooperatives work and Changes in government regulations can what benefits they can gain from have a major impact on business actively participating.
This can be seen Businesses must understand from the fact that the number of and comply with applicable regulations, cooperative members is still small while also adapting to changes in compared to the number of teachers government policy.
and employees at the two Islamic In the form of a table, the researcher boarding schools, namely Al-Abraar describes the obstacles and constraints and Musthafawiyah.
faced by businesses managed by the two pesantren cooperatives as follows:
Table 2.
Obstacles and constraints in cooperative management Al-Abrar Islamic Boarding School Cooperative Business Obstacles Palm Oil None Plantation Cattle None Workshop Human Resources Water Depot Waserba Marketing Management Human Resources Canteen Human Resources From the table above, it can be Al-Abrar Islamic Musthafawiyah Employee Cooperative Business Gold Mine Challenges/Obstacles Government Permits Sweet Orange Orchard Coconut Flour Factory Lemongrass Oil Distillation Savings Loans Human Resources Planning Management Marketing Management Services program, which has been running for 12 Boarding School Cooperative, from several independence of the Islamic boarding businesses that were run, felt the impact exclusively for teachers who were there at plantations and cattle farming.
And the the time and wanted to join, and the Musthafawiyah Cooperative profits are still distributed among the stopped all of its business units except for teachers without any percentage going savings and loans.
The savings and loan towards the independence of the Islamic Employee Erpiana Siregar.
Titi Martini Harahap.
Resi Atna Sari Siregar | 294 Al-Fikru: Jurnal Ilmiah.
Vol.
No.
July-December 2025 a p-ISSN: 1978-1326 a e- ISSN: 2721-4397 boarding school.
This matter has been the pesantren because it focuses on low-risk addressed by the cooperative, which submitted a request in 2021 to amend its Cooperative has not been optimal due to the articles of association to obtain a business license and establish a savings and loan implication of this research is that there is a program as an additional business under need to improve managerial capacity and strengthen cooperative governance so that Musthafawiyah Employee Islamic under review.
economically independent and sustainable.
CONCLUSION
REFERENCES