Islamic Higher Education Financing Management: An NVivo-Based Qualitative Study at Universiti Teknologi Malaysia
DOI:
https://doi.org/10.51468/jpi.v8i1.1282Keywords:
Education Financing, Islamic Endowment, Universiti Teknologi Malaysia, NVivo.Abstract
This study examines the management of Islamic higher education financing at Universiti Teknologi Malaysia (UTM) using an NVivo-based qualitative approach. The data were analyzed through Word Cloud, Tree Map, Hierarchy, and Project Map techniques to identify patterns and structures within the funding system. The findings indicate that UTM’s financing framework is shaped by a combination of government funding and Islamic endowment mechanisms, with instruments such as zakat, waqf, cash waqf, and donations serving as the dominant non-governmental sources. Scholarship schemes emerge as the primary distribution mechanism, covering merit-based aid, financial-need support, and funding for research and internationalization programs. Principles of social justice and maqasid al-shariah play a crucial role in guiding the allocation of resources, particularly for students from lower socioeconomic backgrounds. The study concludes that UTM’s financing model is holistic and sustainability-oriented, and recommends strengthening the governance of Islamic endowments, diversifying scholarship schemes, and enhancing policy synergies between the government and Islamic philanthropic entities.
References
Abdullah, A., & Razali, R. (2024). Exploring Cash Waqf Models for Financial Modernisation in Dayah-Based Islamic Higher Education Institutions in Aceh: A Sociology of Islam Perspective. JURNAL INDO-ISLAMIKA, 14(1), 62–78. https://doi.org/10.15408/jii.v14i1.40676
Allsop, D. B., Chelladurai, J. M., Kimball, E. R., Marks, L. D., & Hendricks, J. J. (2022). Qualitative methods with Nvivo software: A practical guide for analyzing qualitative data. Psych, 4(2), 142–159. https://doi.org/10.3390/psych4020013
Arifin, M. (2025). OPTIMALISASI MANAJEMEN PEMBIAYAAN UNTUK KEBERLANJUTAN PERGURUAN TINGGI ISLAM. Al Hikmah: Jurnal Kependidikan, 13(1), 1–10.
Ash-Shiddiqy, M., Makhrus, M., & Wibowo, M. G. (2024). Cash Waqf Management for Education: Challenges, Solutions and Strategies. Shirkah: Journal of Economics and Business, 9(2), 275–289. https://doi.org/10.22515/shirkah.v9i2.723
Damopolii, M. (2008). PERSPEKTIF TEORETIS PENDIDIKAN ISLAM: Studi Komparatif terhadap Terma Tarbiyyah, Ta’dīb, dan Ta ‘līm. Lentera Pendidikan: Jurnal Ilmu Tarbiyah Dan Keguruan, 11(1), 19–31. https://doi.org/10.24252/lp.2008v11n1a2
Darajat, U. A. (2025). Wealth Distribution Inequality and Social Justice in Islamic Economics: An Evaluation of the Role of Zakat, Waqf, and Islamic Philanthropic Instruments in the Digital Economy Era in Indonesia. Journal of Social Science and Economics, 4(2), 152–165. https://doi.org/10.37812/josse.v4i2.2037
David B. Allsop, Joe M. Chelladurai, Elisabeth R. Kimball, Loren D. Marks, & Justin J. Hendricks. (2022). Qualitative Methods with Nvivo Software: A Practical Guide for Analyzing Qualitative Data. https://doi.org/10.3390/psych4020013
Furqon, A., Budiman, A. A., Septiana, Y. D., Hassane, N., & Fuadi, N. F. Z. (2022). Empowering Higher Education Funding through Cash Waqf: A Case Study of IPB University. Economica: Jurnal Ekonomi Islam, 13(1), 139–162. https://doi.org/10.21580/economica.2022.13.1.20779
Indrawan, I., & Refika, R. (2025). Dynamics of Islamic Education Management and Its Impact on Academic Service Effectiveness in Islamic Higher Education. Al-Tanzim: Jurnal Manajemen Pendidikan Islam, 9(3), 918–931. https://doi.org/10.33650/al-tanzim.v9i3.11829
Iqbal, Z., & Shafiq, B. (2015). Islamic finance and the role of Qard-al-Hassan (Benevolent Loans) in enhancing inclusion: A case study of AKHUWAT. ACRN Oxford Journal of Finance and Risk Perspectives, 4(4), 23–40.
Jaya, F. (2020). Konsep Dasar dan Tujuan Pendidikan dalam islam: Ta’lim, tarbiyah dan ta’dib. Tazkiya: Jurnal Pendidikan Islam, 9(1). http://dx.doi.org/10.30829/taz.v9i1.750
Junita, S., Dasuki, M., & Al-Haj, Z. (2023). Strategic Utilization of Islamic Philanthropy in Education Financing: An Investigation into Orphan Empowerment. MANAGERIA: Jurnal Manajemen Pendidikan Islam, 8(1), 39–58. https://doi.org/10.14421/manageria.81-03
Kamarzaman, N., Ahmad, A. A., & Muda, M. Z. (2025). Utilizing Waqf in Enhancing Islamic Finance Contributions for Overcoming Research and Innovation Funding Challenges in TVET Education Sector. Samarah: Jurnal Hukum Keluarga Dan Hukum Islam, 9(1), 178–203.
Khasanah, N. (2024). Optimalisasi Wakaf Uang sebagai Solusi Pemberdayaan Pendidikan Islam di Indonesia. At-Tajir: Jurnal Manajemen Bisnis Syariah, 2(1), 10–25.
Korstjens, I., & Moser, A. (2018). Series: Practical guidance to qualitative research. Part 4: Trustworthiness and publishing. European Journal of General Practice, 24(1), 120–124.
Muayyad, D. M., & Jatmiko, D. (2021). Higher Education Financing Model Through Cash Waqf: An Exploratory Study. Journal of Islamic Economics Lariba, 7(2), 113–124. https://doi.org/10.20885/jielariba.vol7.iss2.art3
Mukhlisin, M., Mujahidin, E., & Indupurnahayu, I. (2020). Filantropi Islam sebagai Strategi Manajemen Keuangan Lembaga Pendidikan. Idarah Tarbawiyah: Journal of Management in Islamic Education, 1(1), 27–36.
Munadi, M. (2017). Pengelolaan endowment fund di perguruan tinggi Malaysia: Studi kasus di Universitas Teknologi Malaysia. Al-Ulum, 17(2), 306–331. https://doi.org/10.30603/au.v17i2.199
Newshub, U. (2020). UTM belanja RM40,438,476.00 bagi bantuan kewangan dan kebajikan pelajar bagi 2019-2020. News.Utm.My. https://news.utm.my/2020/08/utm-belanja-rm40438476-00-bagi-bantuan-kewangan-dan-kebajikan-pelajar-bagi-2019-2020/?utm_source=chatgpt.com
Newshub, U. (2025a). Enam program bantuan kemanusiaan dilaksana Unit Zakat UTM sepanjang enam bulan pertama 2025. News.Utm.My. https://news.utm.my/2025/08/enam-program-bantuan-kemanusiaan-dilaksana-unit-zakat-utm-sepanjang-enam-bulan-pertama-2025/
Newshub, U. (2025b). UTM komited biaya pendidikan pelajar menerusi Biasiswa Endowmen. News.Utm.My. https://news.utm.my/2025/09/utm-komited-biaya-pendidikan-pelajar-menerusi-biasiswa-endowmen/
NORHANI BAKRI, NOOR ZAINAB ABD. RAZAK, HAMIDAH AB. RAHMAN, & AMINAH HJ AHMAD KHALID. (2005). Punca prestasi pembelajaran yang lemah di kalangan pelajar fakulti pengurusan dan pembangunan sumber manusia, Universiti Teknologi Malaysia, Skudai. Johor. Sains Humanika, 43(1). https://doi.org/10.11113/sh.v43n1.342
Nowell, L. S., Norris, J. M., White, D. E., & Moules, N. J. (2017). Thematic analysis: Striving to meet the trustworthiness criteria. International Journal of Qualitative Methods, 16(1), 1609406917733847.
Rodin, R., Hidayah, J., & Harmi, H. (2025a). Manajemen Sistem Pendidikan Perguruan Tinggi Islam Di Indonesia. Dirasah: Jurnal Studi Ilmu Dan Manajemen Pendidikan Islam, 8(1), 35–52. https://doi.org/10.58401/dirasah.v8i1.1644
Rodin, R., Hidayah, J., & Harmi, H. (2025b). Manajemen Sistem Pendidikan Perguruan Tinggi Islam Di Indonesia. Dirasah: Jurnal Studi Ilmu Dan Manajemen Pendidikan Islam, 8(1), 35–52. https://doi.org/10.58401/dirasah.v8i1.1644
Roslan, N. R. I. M., Muhamad, N. H. N., & Yaacob, A. C. (2023). Development of Wakf Fund in Public Higher Education Institutions. Environment-Behaviour Proceedings Journal, 8(SI14), 39–43. https://doi.org/10.21834/e-bpj.v8iSI14.5062
Rosman, A S B. (2017). Persepsi Pelajar Tahun 4 Fakulti Pendidikan Utm Terhadap Pembayaran Caj Perkhidmatan Dalam Pinjaman Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN). https://eprints.utm.my/10264/?v
Sakinah, N., & Thamrin, H. (2021). Pengelolaan Dana Zakat Untuk Pembiayaan Pendidikan Anak Dhuafa (Studi Kasus Pada BAZNAS Kabupaten Kepulauan Meranti). Jurnal Tabarru’: Islamic Banking and Finance, 4(1), 13–25. https://doi.org/10.25299/jtb.2021.vol4(1).6030
Samrin, S. (2015). Pendidikan agama islam dalam sistem pendidikan nasional di Indonesia. Al-TA’DIB: Jurnal Kajian Ilmu Kependidikan, 8(1), 101–116. https://doi.org/10.31332/atdb.v8i1.395
Shaturaev, J. (2021). Financing and management of Islamic (Madrasah) education in Indonesia. Zeszyty Naukowe Politechniki Częstochowskiej. Zarządzanie, 42, 57–65. https://doi.org/10.17512/znpcz.2021.2.05
Stahl, N. A., & King, J. R. (2020). Expanding approaches for research: Understanding and using trustworthiness in qualitative research. Journal of Developmental Education, 44(1), 26–28.
Syafri, U. A., Mujahidin, E., Tamam, A. M., Dewi, R., Kusnadi, A., Umam, K., & Evie, S. (2022). Konsep manajemen keuangan untuk pendidikan Islam berbasis prinsip ZISWAF. Tawazun: Jurnal Pendidikan Islam, 15(3), 357–368. https://doi.org/10.32832/tawazun.v15i3.8393
Syaifulloh, M. R. (2024). PEMIKIRAN PENDIDIKAN ISLAM HOLISTIK: SINTESIS ANTARA ILMU NAQLIYAH DAN AQLIYAH. Jurnal Pendidikan Islam, 1(1).
Yanna, S., & Syukur, M. (2024). Fiqih dan Keadilan Sosial: Perspektif Pendidikan Agama Islam. Al-Faiza: Journal of Islamic Education Studies, 2(3), 259–267.
yocket.com. (2025). University of Technology Malaysia Ranking 2026: QS & World Rankings. yocket.com. https://yocket.com/universities/university-of-technology-malaysia-5396/rankings
Yusof, M. F. M., Yusof, M. F. M., Hasarudin, M. H., & Romli, N. (2014). Cash waqf and infaq: A proposed e-philanthropy in Malaysia. Jurnal Kemanusiaan, 12(1).
Zaenurrosyid, A. Z. A., Liaqat, A. L. A., & Sholihah, H. S. H. (2025). Halal governance system based on Islamic Philanthropy in universities, pesantren, and hospitals in Central Java. Halal Studies and Society, 2(1), 29–32. https://doi.org/10.29244/hass.2.1.29-32
Zulfahji, Z. (2024). Manajemen Pendidikan Islam: Landasan Filosofis Dan Praktis. Al-Ikhtibar: Jurnal Ilmu Pendidikan, 11(2). https://doi.org/10.32505/ikhtibar.v11i2.9690













