Cooperatives have a strategic role in improving the economic system of boarding school development as stated by Ustadz Drs. Muhammad Shodiq Anwar, M.M. that one of the determinants of the back and forth of Islamic boarding schools lies in the cooperative arrangements in it. The Boarding School Cooperative (Koppontren) grows and develops along with the development of the Islamic boarding school where it is sheltered. In addition to having an inward role in meeting the needs of the students, the existence of Kopontren is also important for the cottage. The same applies to the Assalaam Islamic Boarding School Cooperative [17].

Indonesia's national law in economic development aims to provide the greatest welfare to the community, this is regulated in Article 33 Paragraph One of the constitution which states that "the economic system in Indonesia is formed based on the principle of kinship" The explanation in the article places cooperatives as supporters of the national economy, so that cooperatives have a strategic position in growing the economic potential of the people with the principle of togetherness, kinship, and openness. The Assalaam Islamic Modern Islamic Boarding School Cooperative has a vital role in developing the economy within the scope of the Islamic boarding school and has proven to have a contribution as a place to provide buying and selling of stationery, school uniforms, student daily necessities such as mattresses, pillows, bolsters, bed linen as well as various kinds of food and drinks for students. Assalaam Islamic Modern Islamic Boarding School Cooperative in carrying out daily activities has a schedule for opening and closing koppontren, every day kopontren opens at 09.30-10.30 WIB and reopens at 13.30-14.30 WIB then at night koppontren does not open due to night learning activities except Saturday night [18].

In increasing the economic income of boarding schools or helping to meet the needs of students, the existence of Koppontren Assalam has the following roles:

1. Provide items needed by students.

2. Cooperate with distributors in meeting the needs of students in Kopontren.

3. Fighting monopolies and other forms of capital concentration.

4. Teach to always be honest and open in managing a business.

5. Maintain the ratio of the amount of need/demand and supply.

6. Simplifying and streamlining transaction systems.

7. Developing koppontren business at certain events in boarding school.

Allah Almighty said in verse 10 of QS al Jumuah teaches humans to have a prosperous economy, namely:

فَإِذَا قُضِيَتِ ٱلصَّلَوٰةُ فَٱنتَشِرُواْ فِي ٱلۡأَرۡضِ وَٱبۡتَغُواْ مِن فَضۡلِ ٱللَّهِ وَٱذۡكُرُواْ ٱللَّهَ كَثِيرا لَّعَلَّكُمۡ تُفۡلِحُونَ

It means: "When prayers have been offered, scatter you on the earth and seek the grace of Allah and remember Allah many so that you may be lucky."

1. Performance of Productive Economic Enterprises

The analytical method used by Koppontren Assalaam in improving the boarding school economy is SWOT analysis (Strength, Weakness, Opportunity, Threats), which is an analysis that regulates and sees strengths, weaknesses, opportunities and threats for Kopontren to make it easier to formulate steps to overcome them and opportunities to optimize them. In addition, social institution analysis methods help researchers understand the roles of local community organizations about their existence. It can describe institutions that are considered important that understand recognized interests and beliefs and help identify what is being done with existing institutions to outside groups [19] .

2. Excellence in the Development of Productive Economic Enterprises Koppontren Assalaam

The community around PPMI Assalaam has the potential to support the development of productive economic enterprises. The community has been affected by the flow of modernization, it can be seen that the surrounding community is students who migrate so the flow of modernization is very thick and strong. Its potential and ability cannot be equated with the people, it cannot be underestimated in social life. Students can convey aspirations to the government and can be used as political control. In social life, students become agents of change who must drive change for the better. The press release of the coordinating ministry for economic affairs (HM.4.6/128/SET. M.Ekon.3/3/2022) stated that high-quality young people (students) play an important role in growth in the era of society 5.0. Meanwhile, in the local community, the PPMI assalaam environment in reality has medium to upper financial capabilities. From the results of interviews, several villagers stated that the livelihood of the community varied among teachers, traders, and others [20] .

Interestingly, almost every family has boarding houses that are usually rented for students. As a consequence of the social stratification of the upper middle class, people tend to dress according to trends and are very modern, generally, this group has many titles or ranks. So this class society is known as an intelligent group. Being an intelligent community group does not make the community not uphold what is the social institutions of the local community. Existing guidelines and prohibitions in society still have binding force so that direct or informal "social control" runs very effectively. Business actors in the community are visionary entrepreneurs because they want to make life more prosperous and prosperous [21] .

In terms of human resources, a high level of education makes a high entrepreneurial spirit a weak human resource in the development of productive economic enterprises. This makes the number of MSMEs operating in the surrounding environment with a variety of products and services for sale, making it quite difficult to find opportunities in the development of productive economic businesses [22] .

Another element is the speed of modernization that enters the community and students, making some MSME businesses that cannot compete forced to go out of business. Other elements or factors are that the upper-middle-class people are more indifferent or do not care about their neighbours. According to them "Business is business", this makes competition quite tight in doing business in the environment around PPMI Assalaam [23]- [25] .

The role of PPMI Assalaam through Koppontren plays an active role in the development of a productive economy through methods of increasing cooperation between surrounding communities with sharia financing, MSMEs, and several other business opportunities. This cooperation policy aims to strengthen the position of the productive financing economic sector. The following is a policy model applied in the development of a productive economy [26], [27] .

1. Financiers with Sharia Principles

The target of this provision is an effort to increase MSME financing through the linkage between BPRS and commercial banks, this provision is regulated in Bank Indonesia circular letter No.15/26/BPBS dated July 10, 2013, concerning the implementation of accounting guidelines for Indonesian Islamic banks. As well as additional provisions there is a need for information on prudential and monetary principles. This improvement intends to embrace monetary needs through the renewability of the economic sector and MSMEs. Because MSMEs are the main unit regarding prudential and monetary principles. Islamic banks have an effective and sustainable regulatory, supervisory, and monitoring model in an integrated and cross-sector manner. In this policy, Koppontren Assalaam is expected to flap its wings as a financier for the surrounding community who want to establish MSMEs with Sharia principles (Murabahah and Qardhul Hasan) in collaboration with Islamic banks around the pesantren environment [28] .

2. Shop Rental

Property is a long-term investment that is very flexible and has a great opportunity because it is sold or rented and the owner can still use it when there is no desire to sell it. Nowadays people are very up to date about the development of land prices. And can be an opportunity for people who want to have a business but do not have enough capital to buy land or shophouses.

3. Fisheries Economic Business

Business in terms of fisheries is also one of the opportunities because there is no one around PPMI Assalaam. Aquaculture business is an economic activity in the field of fish farming by using containers such as ponds to maintain and cultivate fish. In the aquaculture fishery business, it is divided into two types, namely freshwater and brackish water fisheries. Examples of freshwater fishery products are catfish, carp, tilapia, and gourami. Meanwhile, examples of brackish water fish such as milkfish [29] .

Currently, the fish cultivated by the Assalaam Islamic boarding school cooperative are catfish and catfish where the catfish harvest period is approximately once every 3 months while for catfish every 6 months. However, the harvest obtained so far is not distributed for sale due to many factors. This activity in the field of fisheries is a collaboration between cooperatives and alumni of Diponegoro University Semarang majoring in fisheries. He is one of the fish farming consultants of the Assalaam Islamic boarding school cooperative. In developing his knowledge in the Assalaam Islamic boarding School cooperative, he never expected anything in return because he aimed to help the development of the cooperative to be able to prosper the community around the Assalaam Islamic boarding School [30] .

Similar to industry, productive economic businesses produce a product by managing existing factors of production. Some of the challenges in the development of productive economic businesses within PPMI Assalaam include productivity levels that still need to be improved, especially in two sources of growth, namely human resources and capital formation [31] .

Development of entrepreneurial awareness and motives in the surrounding community in fierce competition among others. Even though this is a fundamental need to achieve improvement in the quality of human resources. The number of people who already have the awareness to be independent, resilient, hardworking, never give up, responsible, dare to bear risks, economically motivated, respect time and take advantage of every opportunity, productive, creative and innovative makes a big challenge in MSME businesses that may be established around PPMI Assalaam.

Demographic capital is also a big challenge because of the limited strategic land available in the implementation of the productive economy of the environment around PPMI Assalaam, so the right strategy is needed so that challenges and obstacles can be overcome properly. In addition, financing is also one of the challenges for students or the surrounding community who want to establish MSMEs in the environment around PPMI Assalaam [32] .

To face these challenges, several strategies are needed to answer existing problems.

1. Market Strategy and Segmentation

The selected market segment must have great potential to bring profits to the business. Choose a market segment with a small number of competitors, and has profitable potential. A small number of competitors will benefit the position of the business in profit generation. In addition, it is necessary to pay attention to the size of the segments. This is so that business people can adjust targets according to their respective abilities. Market segments are dynamic so they are very likely to change. Analyzing segment growth should be done before determining the target market. In this case, Koppontren can cooperate with several business actors to enlarge the market [33].

2. Financing Process and Implementation

Providing convenience through loan applications so that MSMEs do not find it difficult when applying for loans. Therefore, Islamic banking together with Koppontren Assalaam needs to streamline processes and focus on building relationships with MSMEs or potential customers. An easy application process must also be supported by easy access to finance by MSME actors by targeting 50 per cent of MSME entrepreneurs who are eligible for loans [34] .

3. Human Resources

Intense competition between communities that establish MSMEs can be considered an obstacle. To remedy this situation, the Assalaam Koppontren Institute can incorporate better training procedures into the framework of the organization. The implementation of good training enables Non-Bank Sharia Institutions to serve MSMEs more effectively and help market segmentation. Alauddin and Chowdhury explained that workers need a special program for the establishment of training institutions on entrepreneurship development to be able to increase the knowledge of MSME actors. The majority of MSMEs do not have sufficient knowledge of finance and management, business skills (such as financial modelling, future planning, and budgeting) and information related to government regulations and regulations that impact their business [35] .

The management system carried out by Koppontren Assalaam, based on the process of planning and internal and external analysis of cooperatives with an approach to financial development of boarding school, is based on the principle of shodaqah as Allah says in the Quran surah al-Baqarah verse 261, namely:

مَّثَلُ ٱلَّذِينَ يُنفِقُونَ أَمۡوَٰلَهُمۡ فِي سَبِيلِ ٱللَّهِ كَمَثَلِ حَبَّةٍ أَنۢبَتَتۡ سَبۡعَ سَنَابِلَ فِي كُلِّ سُنۢبُلَة مِّاْئَةُ حَبَّةٖۗ وَٱللَّهُ يُضَٰعِفُ لِمَن يَشَآءُۚ وَٱللَّهُ وَٰسِعٌ عَلِيمٌ

Means: "The parable of those who spend their wealth in the way of God is similar to a seed growing seven grains, on each of them one hundred seeds. God multiplies (rewards) for whom he wills. And Allah is vast (His gift) again All-Knowing".

The Qur'an surah al-baqarah verse 261 explains that Muslims who spend their wealth/shodaqah, then Allah will reward them by multiplying their wealth sustenance. This verse is used as a principle in building the Assalam Cooperative with the belief that the more often you give sadaqah, the more benefits you get, the more business activities will progress and develop [36], [37] .

On the other hand, alms will cleanse the treasure to make it more blessed and fertile, which brings benefits to the life of the world and the hereafter. Another prospect that the Modern Islamic Boarding School Cooperative Assalaam Surakarta wants to achieve is to foster a culture of people who love shodaqah activities as a step to improve the finances of members and cooperatives of boarding schools. Supporting factors for the growth and development of cooperatives within the scope of Koppontren Assalaam are not only supported by high capital or a trained workforce but because by the intention and hard work efforts of all elements to get maximum results. Other development of Islamic boarding school cooperatives is carried out through workshops or training to increase knowledge and experience with concrete management references, and anticipatory in minimizing problems that occur [38] . The management references used are:

1. There is a clear formulation of functions and tasks from the Cooperative of Modern Islamic Boarding School Assalaam Surakarta.

Starting from the problem of unclear division of staff functions and duties, there will be adverse effects such as the performance burden only piled up on a few active administrators and ending with ineffective cooperative performance as a whole, Koppontren Assalaam applies the division of functions and duties of each staff with careful consideration so that they can work according to their respective expectations with a sense of responsibility. With this, there is no devolution of work to only one person [39] .

2. The formation of a pattern of relations between the Modern Islamic Boarding School Cooperative Assalaam Surakarta to facilitate information and communication quickly and precisely.

So far, the system that runs is that all incoming information is rarely disseminated to members and also sometimes the information conveyed is not very effective, other factors of coordination meetings that are carried out do not run optimally because of the large number of absent members. So the Assalam kappontren socializes quickly and carefully every existing information to all staff, this is done to facilitate the performance between members to be in line with the urgency of the existing information and will foster a sense of belonging to the kappontren [40] .

3. Forming a pilot business pattern as a foothold for increasing innovation and creativity.

This activity is carried out as an effort to foster creative reasoning in each member of the cooperative. The concrete form of the cooperative will organize or establish new businesses to spur the motivation of members to always be creative with new ideas. The relationship with the implementation of the management strategy of Koppontren Assalaam, namely with the creativity possessed by cooperative members will greatly help in giving birth to varied steps in efforts to develop a financial boarding school. And with the creativity possessed will give birth to new ideas that are useful for the development or progress of the business owned by the cooperative [15].

4. The existence of a dynamic and participatory monitoring and evaluation system

Starting from the accumulation of problems that have no meeting point for solutions, creating inhibiting factors in every implementation of work programs. The ineffective evaluation process is also one of the inhibiting factors that affect productivity and performance. In addition, it can be seen from the habit of the Assalaam Surakarta Modern Islamic Boarding School Cooperative which carries out the evaluation process only during the implementation of the cooperative agenda routine, namely during monthly meetings of members. And that is usually only done by the cooperative board [41].

From this background, the existence of a monitoring and evaluation system is very necessary. With the system that has been run, it should be a cooperative culture to monitor and evaluate every time after carrying out activities or every time a problem arises. This system is expected to cause a sense of concern by all cooperative members for existing problems to find ideas to solve problems that are inhibiting factors so that management strategies in efforts to develop financial boarding schools can be realized and implemented properly [42] .