Strategic Partnership between Sharia Banks and Islamic Boarding Schools in Sharia Financial Inclusion

Iqbal Rafiqi; Nadila Nadila

doi:10.31943/afkarjournal.v9i4.3690

Authors

Iqbal Rafiqi Universitas Al-Amien Prenduan
Nadila Nadila Program Studi Perbankan Syariah Universitas Al-Amien Prenduan

DOI:

https://doi.org/10.31943/afkarjournal.v9i4.3690

Keywords:

Strategic Partnership, Sharia Financial Inclusion, Islamic Boarding School, Bank Syariah Indonesia

Abstract

Islamic financial inclusion in Indonesia remains relatively low, at 13.14% compared to 79.71% for conventional finance, despite Islamic boarding schools (pesantren) possessing significant potential as centers of financial literacy and community economic empowerment. This study examines the strategic partnership between Bank Syariah Indonesia (BSI) KCP Sumenep and MTA Al-Amien Prenduan in promoting Islamic boarding school-based Islamic financial inclusion. The study employed a qualitative case study approach. Data were collected through interviews, observation, and documentation, then analyzed using data reduction, data presentation, and conclusion drawing techniques. The results indicate that the partnership, realized through account opening services, an integrated Islamic payroll system, and digital financial services, improves access, efficiency, transparency, and financial accountability within Islamic boarding schools. Key supporting factors include shared Islamic values, trust, utilization of digital services, and long-term commitment, while the main obstacles are technical and system disruptions. This study concludes that strategic partnerships between Islamic banks and Islamic boarding schools are effective in strengthening Islamic financial inclusion sustainably.

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