UTILIZING ZISWAF AS AN INSTRUMENT FOR FINANCIAL INCLUSION AND POVERTY REDUCTION EFFORTS
DOI:
https://doi.org/10.32332/finansia.v7i1.8717Keywords:
Ziswaf, Financial Inclusion, PovertyAbstract
The government implements various poverty alleviation policies, Ziswaf has not been utilized as an instrument of financial inclusion in poverty alleviation. This study aims to examine and provide solutions to poverty alleviation by making Ziswaf an instrument of financial inclusion. Field research with a qualitative descriptive thinking paradigm makes the Takmir community the subject of the interview and scattered mosques the main object. In addition to the OJK report, Bank Indonesia, Puskas Baznas, and KNEKS are its supporters. The results of the study found that Ziswaf's potential is very large, but the Ziswaf funds distributed have not been able to alleviate poverty. Access and availability of Ziswaf funds are still very scarce and difficult for the community to obtain, the distribution is incidental and consumptive rather than productive. Ziswaf as an instrument of financial inclusion is expected to be managed on target to alleviate poverty.
References
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Inayati, Anindya Aryu. “Pemikiran Ekonomi M. Umer Chapra.” Islamic Economics Journal, Vol. 2, No. 1, 2015.
Juleha, Juleha. Personal Interview. December 13, 2023.
Kausar, Aflatunal., Alauddin, Md., And Kabir, Mohammad Rokibul. “A Masjid Based Zakat Management Model In Alleviating Poverty: Bangladesh Perspective.” International Journal Of Ethics In Social Sciences, Vol. 4, No. 2, 2016.
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Leyshon, Andrew., And Thrift, Nigel. “Geographies Of Financial Exclusion: Financial Abandonment In Britain And The United States.” Transactions Of The Institute Of British Geographers, Vol. 20, No. 3, 1995. https://doi.org/10.2307/622654.
Mandira, Sarma., And Pais, Jesim. “Financial Inclusion And Development: A Cross Country Analysis Mandira.” Asian Journal Of Business Research, Vol. 6, No. 1, 2016. https://doi.org/10.14707/ajbr.160020.
Mohamed, Muhammad Izzat., And Shafiai, Muhammad Hakimi Mohd. “Islamic Agricultural Economic Financing Based On Zakat, Infaq, Alms And Waqf In Empowering The Farming Community.” IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita, Vol. 10, No. 1, 2021. https://doi.org/10.46367/iqtishaduna.v10i1.334.
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Munandar, Eris., Amirullah, Mulia., And Nurochani, Nila. “Pengaruh Penyaluran Dana Zakat, Infak Dan Sedekah (ZIS) Dan Pertumbuhan Ekonomi Terhadap Tingkat Kemiskinan.” Al-Mal: Jurnal Akuntansi Dan Keuangan Islam, Vol. 1, No. 1, 2020. https://doi.org/10.24042/al-mal.v1i1.5321.
Murni, Murni. Personal Interview. Retrieved December 14, 2023.
Muttaqien, Dadan., Asyrof, Muhammad Najib., And Syibly, M. Roem. “Measuring The Mosque-Based Disaster Philanthropy.” Proceedings Of The 2nd Southeast Asian Academic Forum On Sustainable Development (SEA-AFSID 2018), Vol. 168, 2021. https://doi.org/10.2991/aebmr.k.210305.013.
Negeri, Direktorat Jenderal Dukcapil Kementerian Dalam. “Sebanyak 52% Penduduk Maluku Beragama Islam Pada Juni 2021.” https://databoks.katadata.co.id/datapublish/2021/10/01/sebanyak-52-penduduk-maluku-beragama-islam-pada-juni-2021#:~:text=Islam%20menjadi%20agama%20mayoritas%20penduduk,mencapai%201%2C88%20juta%20jiwa., Retrieved November 20, 2023.
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Oey, Usman. Personal Interview. December 14, 2023.
Oliver, Leaman. The Qur’an An Encyclopedia. London: Routledge, 2005.
Peraturan Presiden Republik Indonesia Nomor 18 Tahun 2020 Tentang Rencana Pembangunan Jangka Menengah Nasional Tahun 2020-2024.
Primanto, Aji., Tanjung, Ali Mukti., Situmorang, Mananda., Karim, Ahmad Mukti., Puspitasari, Linda., Purba, Nelvitia., Pramono, Rudy.,, And Muhlis, Muhlis. “Inter-Regional Cooperation In Improving Welfare And Resolving Poverty In Indonesia.” Academy Of Strategic Management Journal, Vol. 20, No. 2, 2021.
Rumalutur, Sarah. Personal Interview. December 14, 2023.
Saleh, Said. Personal Interview. December 14, 2023.
Sou, Taher. Personal Interview. December 14, 2023.
Statistik, Badan Pusat. “Berita Resmi Statistik.” https://www.bps.go.id/id/pressrelease, Retrieved November 18, 2023.
Suryani, Suryani. Personal Interview. December 14, 2023.
Syarifuddin, Syarifuddin., Mursidah, Rifqah., Fildayanti, Devita Ayu., Lusiana, Anisa., Sofyan, A Syathir., Dan Akramunnas, Akramunnas. “Revitalisasi Pengelolaan ZISWAF Untuk Pembangunan Sosial Ekonomi; Studi Fungsi Intermediasi Masjid Melalui BASDAM.” Iqtisad: Reconstruction Of Justice And Welfare For Indonesia, Vol. 7, No. 2, 2020. https://doi.org/10.31942/iq.
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Tamimi, Khoirul., And Syarbaini, Ahmad Muhaisin B. “Analisis Interaksi Dan Kontribusi Zakat, Infaq, Sedekah (ZIS) Dan Islamic Human Development Index (I-HDI) Terhadap Kemiskinan Di Indonesia.” Inovasi: Jurnal Ekonomi, Keuangan Dan Manajemen, Vol. 19, No. 3, 2023.
Tangke, Diar Muzna. “Analisis Manajemen Strategi Baznas Kota Ambon.” Al Intaj, Jurnal Ekonomi Dan Perbankan Syariah, Vol. 6 No. 2, 2020.
Yusuf, Yusuf. Personal Interview, December 14, 2023.
Al-Krenawi, Alean. “The Role Of The Mosque And Its Relevance To Social Work.” International Social Work, Vol. 59, No. 3, 2016. https://doi.org/10.1177/0020872815626997.
Al-Qardawi, Yusuf. Fiqh Al Zakah A Comparative Study Of Zakah, Regulations And Philosophy In The Light Of Qur’an And Sunnah. Saudi Arabia: Scientific Publishing Centre King Abdulaziz University, 2000.
Asel, Said. Personal Interview. December 14, 2023.
As-Salafiyah, Aisyah., Rusydiana, Aam Slamet., And Mustafa, Muhammad Isa. “Meta Analysis On Mosque Economics.” Library Philosophy And Practice, 2021.
Assel, Muhammad Jasu. Personal Interview. December 13, 2023.
Bamakhramah, Ahmed Saied. “Economic Development In Islam,” Journal Of King Abdulaziz University: Islamic Economics, Vol. 5, 1993.
Bank, World. Financial Inclusion-Global Financial Developemnt Report. Washington DC: World Bank Publication, 2014.
Baznas, Puskas. “Indeks Zakat Nasional 2.0.” https://www.puskasbaznas.com/publications/books/1170-indeks-zakat-nasional-2-0, Retrieved November 20, 2023.
Baznas, Puskas. “Official News Survei Pembayaran ZIS-OPZ Di Indonesia–2020.” https://www.puskasbaznas.com/publications/published/officialnews/1437-2020-on11, Retrieved November 20, 2023.
Brathwaite, Juliette. “How Supply Chain Management Impacts Governance And Development In Context With Covid-19: Implications For Poverty In Developing Countries.” International Journal Of Business & Economic Development, Vol. 9, No. 1, 2021.
Bugis, Muhammad Yusan. Personal Interview. December 13, 2023.
Burlinson, Andrew., Giulietti, Monica., Law, Cherry., And Liu, Hui Hsuan. “Fuel Poverty And Financial Distress.” Energy Economics, Vol. 102, 2021. https://doi.org/10.1016/j.eneco.2021.105464.
Canggih, Clarashinta., Fikriyah, Khusnul., And Yasin, Ach. “Potensi Dan Realisasi Dana Zakat Indonesia.” Al-Uqud : Journal Of Islamic Economics, Vol. 1, No. 1, 2017. https://doi.org/10.26740/jie.v1n1.p14-26.
Choirin, Choirin. Indikator Pemetaan Potensi Zakat Provinsi, Kabupaten, Dan Kota Tahun 2022, Regional Maluku Dan Papua. Jakarta: Direktorat Kajian Dan Pengembangan ZIS DSKL BAZNAS Fakultas Ekonomi Universitas Iqra Buru, 2022.
Churchill, Sefa Awaworyi., And Marisetty, Vijaya Bhaskar. “Financial Inclusion And Poverty: A Tale Of Forty-Five Thousand Households.” Applied Economics, Vol. 52, No. 16, 2020. https://doi.org/10.1080/00036846.2019.1678732.
Creswell, John W. Penelitian Kualitatif Dan Desain Riset; Memilih Diantara Lima Pendekatan. Pustaka Pelajar Yogyakarta, 2015.
Demirguc-Kunt, Asli., Klapper, Leora., Singer, Dorothe., Ansar, Saniya., And Hess, Jake. “The Global Findex Database 2017: Measuring Financial Inclusion And Opportunities To Expand Access To And Use Of Financial Services.” World Bank Economic Review, Vol. 34, No. 1, 2020. https://doi.org/10.1093/wber/lhz013.
Diana, Diana., And Seprina, Iin. “Sistem Pendukung Keputusan Untuk Menentukan Penerima Bantuan Sosial Menerapkan Weighted Product Method (WPM).” Jurnal Edukasi Dan Penelitian Informatika (JEPIN), Vol. 5, No. 3, 2019. https://doi.org/10.26418/jp.v5i3.34971.
Dogan, Eyup., Madaleno, Mara., And Taskin, Dilvin. “Which Households Are More Energy Vulnerable? Energy Poverty And Financial Inclusion In Turkey.” Energy Economics, Vol. 99, 2021. https://doi.org/10.1016/j.eneco.2021.105306.
Eva, Eva. Personal Interview. December 13, 2023.
Garibay, Richard Jesus. Analyzing Relational Problems Of Poverty Through Critical Reflection: An International Educator’s Transformative Journey. Pennsylvania: Wilkes University, 2021.
Gupta, Anurag., Chotia, Varun., And Rao, NV Muralidhar. “Financial Inclusion And Human Development: A State-Wise Analysis From India.” International Journal Of Economics, Commerce And Management, Vol. 2, No. 5, 2014.
Habih, Ahmed., And Hasnol, Ak Md. “Inclusive Islamic Financial Planning: A Conceptual Framework.” International Journal Of Islamic And Middle Eastern Finance And Management, Vol. 9, No. 2, 2016.
Hadna, Agus Heruanto., And Kartika, Dyah. “Evaluation Of Poverty Alleviation Policy: Can Conditional Cash Transfers Improve The Academic Performance Of Poor Students In Indonesia?” Cogent Social Sciences, Vol. 3, No. 1, 2017. https://doi.org/10.1080/23311886.2017.1295548.
Hafidhuddin, Didin. “Analisis Efektivitas Promosi Lembaga Amil Zakat Dalam Penghimpunan Zakat Bagi Peningkatan Kesejahteraan Keluarga Dhuafa (Studi Kasus Lembaga Amil Zakat Dompet Dhuafa Republika).” Medai Gizi Dan Keluarga, Vol. 30, No. 1, 2006.
Hassan, Ashraf Khan M. Kabir. And Sarac, Mehmet. Islamic Finance And Sustainable Development; A Sustainable Economic Framework For Muslim Countries. Swiss: Palgrave Macmillan, 2021.
Hidayat, Emir. “Optimalisasi Potensi ZISWaf Jadi Solusi Penanganan Covid-19.” https://www.kneks.go.id/berita/301/optimalisasi-potensi-ziswaf-jadi-, Retrieved November 20, 2023.
Holle, Mohammad H. Inklusi Keuangan Syariah Masjid (Studi Multikasus Pada Masjid Jogokariyan Yogyakarta, Masjid Al-Falah Surabaya, Dan Masjid Sabilillah Malang). Surabaya: Universitas Islam Negeri Sunan Ampel, 2020.
Holle, Mohammad H., And Arifin, Sirajul. “ZISWAF As Social Capital For Poverty Reduction ; Studying At Sabilillah Mosque , Malang City , East Java.” International Journal Of Arts And Social Science (IJASS), Vol. 5, No. 2, 2022.
Inayati, Anindya Aryu. “Pemikiran Ekonomi M. Umer Chapra.” Islamic Economics Journal, Vol. 2, No. 1, 2015.
Juleha, Juleha. Personal Interview. December 13, 2023.
Kausar, Aflatunal., Alauddin, Md., And Kabir, Mohammad Rokibul. “A Masjid Based Zakat Management Model In Alleviating Poverty: Bangladesh Perspective.” International Journal Of Ethics In Social Sciences, Vol. 4, No. 2, 2016.
Keuangan, Otoritas Jasa. “Strategi Nasional Literasi Keuangan Indonesia.” https://ojk.go.id/id/berita-dan-kegiatan/publikasi/Pages/Strategi-Nasional-Literasi-Keuangan-Indonesia-2021-2025.aspx, Retrieved November 20, 2023.
Leyshon, Andrew., And Thrift, Nigel. “Geographies Of Financial Exclusion: Financial Abandonment In Britain And The United States.” Transactions Of The Institute Of British Geographers, Vol. 20, No. 3, 1995. https://doi.org/10.2307/622654.
Mandira, Sarma., And Pais, Jesim. “Financial Inclusion And Development: A Cross Country Analysis Mandira.” Asian Journal Of Business Research, Vol. 6, No. 1, 2016. https://doi.org/10.14707/ajbr.160020.
Mohamed, Muhammad Izzat., And Shafiai, Muhammad Hakimi Mohd. “Islamic Agricultural Economic Financing Based On Zakat, Infaq, Alms And Waqf In Empowering The Farming Community.” IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita, Vol. 10, No. 1, 2021. https://doi.org/10.46367/iqtishaduna.v10i1.334.
Mohieldin, Mahmoud., Iqbal, Zamir., Rostom, Ahmed., And Fu, Xiachen. The Role Of Islamic Finance In Enhancing Financial Inclusion In OIC Countries. Washington DC: World Bank, 2011.
Munandar, Eris., Amirullah, Mulia., And Nurochani, Nila. “Pengaruh Penyaluran Dana Zakat, Infak Dan Sedekah (ZIS) Dan Pertumbuhan Ekonomi Terhadap Tingkat Kemiskinan.” Al-Mal: Jurnal Akuntansi Dan Keuangan Islam, Vol. 1, No. 1, 2020. https://doi.org/10.24042/al-mal.v1i1.5321.
Murni, Murni. Personal Interview. Retrieved December 14, 2023.
Muttaqien, Dadan., Asyrof, Muhammad Najib., And Syibly, M. Roem. “Measuring The Mosque-Based Disaster Philanthropy.” Proceedings Of The 2nd Southeast Asian Academic Forum On Sustainable Development (SEA-AFSID 2018), Vol. 168, 2021. https://doi.org/10.2991/aebmr.k.210305.013.
Negeri, Direktorat Jenderal Dukcapil Kementerian Dalam. “Sebanyak 52% Penduduk Maluku Beragama Islam Pada Juni 2021.” https://databoks.katadata.co.id/datapublish/2021/10/01/sebanyak-52-penduduk-maluku-beragama-islam-pada-juni-2021#:~:text=Islam%20menjadi%20agama%20mayoritas%20penduduk,mencapai%201%2C88%20juta%20jiwa., Retrieved November 20, 2023.
Novalia, Debi., Sumantri, Rinol., And Panorma, Maya. “Pengaruh Dana Zakat, Infaq Dan Shodaqoh (ZIS) Terhadap Tingkat Kemiskinan Sebagai Variabel Intervening Tahun 2015-2019.” Al Iqtishadiyah Jurnal Ekonomi Syariah Dan Hukum Ekonomi Syariah, Vol. 6, No. 2, 2020. https://doi.org/10.31602/iqt.v6i2.3455.
Oey, Usman. Personal Interview. December 14, 2023.
Oliver, Leaman. The Qur’an An Encyclopedia. London: Routledge, 2005.
Peraturan Presiden Republik Indonesia Nomor 18 Tahun 2020 Tentang Rencana Pembangunan Jangka Menengah Nasional Tahun 2020-2024.
Primanto, Aji., Tanjung, Ali Mukti., Situmorang, Mananda., Karim, Ahmad Mukti., Puspitasari, Linda., Purba, Nelvitia., Pramono, Rudy.,, And Muhlis, Muhlis. “Inter-Regional Cooperation In Improving Welfare And Resolving Poverty In Indonesia.” Academy Of Strategic Management Journal, Vol. 20, No. 2, 2021.
Rumalutur, Sarah. Personal Interview. December 14, 2023.
Saleh, Said. Personal Interview. December 14, 2023.
Sou, Taher. Personal Interview. December 14, 2023.
Statistik, Badan Pusat. “Berita Resmi Statistik.” https://www.bps.go.id/id/pressrelease, Retrieved November 18, 2023.
Suryani, Suryani. Personal Interview. December 14, 2023.
Syarifuddin, Syarifuddin., Mursidah, Rifqah., Fildayanti, Devita Ayu., Lusiana, Anisa., Sofyan, A Syathir., Dan Akramunnas, Akramunnas. “Revitalisasi Pengelolaan ZISWAF Untuk Pembangunan Sosial Ekonomi; Studi Fungsi Intermediasi Masjid Melalui BASDAM.” Iqtisad: Reconstruction Of Justice And Welfare For Indonesia, Vol. 7, No. 2, 2020. https://doi.org/10.31942/iq.
Tahitu, Amelia., And Lawalata, Cornelly M. A. “Kemiskinan Perkotaan: Strategi Pemulung Di Kota Ambon.” Sosio Informa, Vol. 3, No. 1, 2017. https://doi.org/10.33007/inf.v3i1.388.
Tamimi, Khoirul., And Syarbaini, Ahmad Muhaisin B. “Analisis Interaksi Dan Kontribusi Zakat, Infaq, Sedekah (ZIS) Dan Islamic Human Development Index (I-HDI) Terhadap Kemiskinan Di Indonesia.” Inovasi: Jurnal Ekonomi, Keuangan Dan Manajemen, Vol. 19, No. 3, 2023.
Tangke, Diar Muzna. “Analisis Manajemen Strategi Baznas Kota Ambon.” Al Intaj, Jurnal Ekonomi Dan Perbankan Syariah, Vol. 6 No. 2, 2020.
Yusuf, Yusuf. Personal Interview, December 14, 2023.
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