OPTIMALISASI PENGELOLAAN KEUANGAN BERBASIS SYARIAH UNTUK KEBERLANJUTAN PONDOK PESANTREN TAHFIDZUL QUR’AN NURUL KHOIR KOTA JAMBI

Abstract

This research analyzes the effectiveness of Sharia-based financial management in supporting the operational sustainability of Pondok Pesantren Tahfidzul Qur'an Nurul Khoir, Jambi City. As one of the prominent tahfiz Al-Qur'an educational institutions in Jambi City, this pesantren faces unique financial challenges in maintaining the quality of education and the welfare of its students and teachers. This study argues that the principles of Sharia finance encompassing justice, transparency, and blessedness are highly relevant to the pesantren's values and goals, and potentially offer a solution to achieve financial independence.This research employs a qualitative approach with a single case study at Pondok Pesantren Tahfidzul Qur'an Nurul Khoir, Jambi City. Data was collected through in-depth interviews with the pesantren leadership, financial managers, treasurer, and direct observation of the pesantren's daily financial documents and practices.The research findings indicate that Pondok Pesantren Tahfidzul Qur'an Nurul Khoir has implemented several aspects of Sharia-based financial management, such as the management of productive infaq and sadaqah, optimal utilization of waqf funds (if available), and the application of simple, transparent accounting principles. This implementation has proven to positively contribute to financial stability, increased donor trust, and diversification of the pesantren's income sources. Nevertheless, the main challenges faced include limited human resources with a deep understanding of Sharia financial literacy, sub-optimal computerized financial recording systems, and reliance on routine donations without significant independent business units.The recommendations from this study include enhancing the capacity of financial management human resources through continuous training on Sharia accounting and waqf asset management, developing Sharia-based business units to foster financial independence, and strengthening a more structured and transparent financial reporting system for the future sustainability of Pondok Pesantren Tahfidzul Qur'an Nurul Khoir.