Productive Waqf Funds Empowerment Through Qardh Al-Hasan Financing: Evidance from Micro Waqf Bank (BWM)
DOI:
https://doi.org/10.32332/adzkiya.v11i1.6548Keywords:
Productive Waqf, Empowerment, Qardh Al-Hasan, Micro Waqf BankAbstract
Micro waqf Bank in Sumenep is necessary due to workforce absorption of 486,196 people, making the Sumenep city a capital with the largest number of UMKM five of East Java. Therefore, the purpose of this research is to reveal the implementation of qardh al-hasan payment in small and medium-sized micro-enterprises and the role of qordul-hasan accounts in the creation of small and medium-sized micro-enterprises. This study is a qualitative study with phenomenological approach. The data was obtained through with interview data sources, observations and documentation. Janice Mc Drury's theory was employed to analysis the data, finding themes, writing models, determining coding and deciding to reach the facts. The results of this study indicate that the implementation of these qardh al-hasan accounts through the level of identification, socialization, qualification testing, pre-PWK, PWK and “Halaqah Mingguan” (HALMI). The role of the qardh al-hasan account provided by the Micro Waqf Bank Alpen Barokah Mandiri has had an impact on the expansion of the efforts carried out in the passport.
References
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Rizan, M., Handaru, A. W., & Ramadian, A. (2022). Metode penelitian bisnis. Ahlimedia Book.
Safitri, R. A., & Sukmana, R. (2020). Efektivitas Bank Wakaf Mikro Dalam Mengurangi Kemiskinan (Studi Kasus LKMS Denanyar Sumber Barokah). Jurnal Ekonomi Syariah Teori dan Terapan, 6(10), 1936-1952. https://doi.org/10.20473/vol6iss201910pp1936-1952
Saturwa, H. N., Suharno, S., & Ahmad, A. A. (2021). The impact of COVID-19 pandemic on MSMEs. Jurnal Ekonomi dan Bisnis, 24(1), 65-82. https://doi.org/10.24914/jeb.v24i1.3905
Sugiyono. (2017). Metode penelitian kuantitatif,kualitatif,dan R&D. Alfabeta.
Sukma, F. A., Akbar, R. K., Azizah, N. N., & Juliani, G. P. (2019). Konsep Dan implementasi akad qardhul hasan pada perbankan syariah Dan manfaatnya. Amwaluna: Jurnal Ekonomi dan Keuangan Syariah, 3(2), 148-162. https://doi.org/10.29313/amwaluna.v3i2.4296
Sulistiani, S. L., Yunus, M., & Bayuni, E. M. (2019). Aspek hukum bank Wakaf Mikro dalam pengentasan kemiskinan berbasis pesantren Di Indonesia. Jurnal Bimas Islam, 12(1), 1-26. https://doi.org/10.37302/jbi.v12i1.86
Sulistiani, S. L., Yunus, M., & Bayuni, E. M. (2020). Micro waqf bank: New sharia financial instruments in Indonesia. Proceedings of the 2nd Social and Humaniora Research Symposium (SoRes 2019). https://doi.org/10.2991/assehr.k.200225.001
Suryadi, N., & Putri, Y. R. (2018). Analisis penerapan pembiayaan qardhul hasan berdasarkan PSAK syariah pada BMT Al Ittihad Rumbai Pekanbaru. Jurnal Tabarru': Islamic Banking and Finance, 1(1), 37-50. https://doi.org/10.25299/jtb.2018.vol1(1).2043
Susilo, A. (2016). Kontribusi waqf Gontor Terhadap Kesejahteraan Masyarakat Desa Gontor. Islamic Economics Journal, 2(1), 17-35. https://doi.org/10.21111/iej.v2i1.967
Susilo, A. (2020). Identifying factors that affect consumer satisfaction of Parklatz cafe in Ponorogo city, East Java, Indonesia: An application of exploratory factor analysis. Falah: Jurnal Ekonomi Syariah, 5(1), 1-14. https://doi.org/10.22219/jes.v5i1.11399
Susilo, A., Abdullah, N. I., & Che Embi, N. A. (2022). Islamic business ethics as customer retention factors in Islamic bank: An exploratory factor analysis. Iqtishodia: Jurnal Ekonomi Syariah, 7(2), 01-10. https://doi.org/10.35897/iqtishodia.v7i2.845
Susilo, A., Che Embi, N. A., & Abdullah, N. I. (2021, July). The Concept of Gontor's Literacy on Waqf as A Model to Achieve Waqf Inclusion and Increase Cash Waqf Participation [Conference session]. The 9th International Islamic Economic System Conference, Malaysia.
Susilo, A., Rahman Abadi, M. K., Sahroni, A., & Afif, M. (2022). The Influence of Service Quality towards Customer Satisfaction on Garuda Airline of Yogyakarta International Airport on Pandemic Covid-19. Al Tijarah, 8(1), 1-14. http://dx.doi.org/10.21111/tijarah.v8i1.7374
Zainal, V. R. (2016). Pengelolaan dan pengembangan wakaf produktif. Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam, 9(1), 1-16. https://doi.org/10.47411/al-awqaf.v9i1.32
Asytuti, R. (2012). Optimalisasi Wakaf Produktif. At-Taradhi: Jurnal Studi Ekonomi, 3(1), 45-53. https://dx.doi.org/10.18592/taradhi.v3i1.577
Attamimi, Z. F., Disemadi, H. S., & Santoso, B. (2019). Prinsip syariah dalam penyelenggaraan bank wakaf mikro sebagai perlindungan hak spiritual nasabah. Jurnal Jurisprudence, 9(2), 117-132. https://doi.org/10.23917/jurisprudence.v9i2.8897
BPS. (2020). Tabel Perkembangan UMKM. Badan Pusat Statistik. https://www.bps.go.id/indicator/13/1099/1/tabel-perkembangan-umkm.html
Bungin, B. (2017). Metodologi Penelitian Kualitatif. PT. Rajagrafindo Persada.
Disemadi, H. S., & Roisah, K. (2019). Kebijakan model bisnis bank wakaf mikro sebagai solusi pemberdayaan ekonomi masyarakat. LAW REFORM, 15(2), 177-194. https://doi.org/10.14710/lr.v15i2.26176
Faujiah, A. (2020). Praktek Akad Qardhul Hasan Pada Bank Wakaf Mikro. ACTIVA: Jurnal Ekonomi Syariah, 3(1), 20-36.
Hidayat, S., & Makhrus, M. (2021). Peranan bank Wakaf Mikro dalam Pemberdayaan Ekonomi Masyarakat Di Purwokerto. Jurnal Ilmiah Ekonomi Islam, 7(2), 577-586. https://doi.org/10.29040/jiei.v7i2.2249
Holle, M. H., & Wanci, S. (2021). Perspektif maslahah mursalah tentang implementasi akad qardh dalam pembiayaan usaha mikro Di bank wakaf mikro al-anshor peduli Kota ambon. Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah, 1(2), 81-95. https://doi.org/10.46339/al-qashdu.v1i2.586
Kasdi, A. (2016). Model Pemberdayaan Wakaf Produktif Di Indonesia. ZISWAF: Jurnal Zakat dan Wakaf, 1(1), 1-15. http://dx.doi.org/10.21043/ziswaf.v1i1.1528
Khusaeri, K. (2015). Wakaf produktif. Al-A'raf : Jurnal Pemikiran Islam dan Filsafat, 12(1), 77-95. https://doi.org/10.22515/ajpif.v12i1.1185
M. Daim, F. B., Ajib Ridlwan, A., & Haryanti, P. (2021). Peran bank wakaf mikro dalam meningkatkan kesejahteraan masyarakat (Studi kasus BWMtebuireng Mitra sejahtera). JIES: Journal of Islamic Economics Studies, 2(1), 41-55. https://doi.org/10.33752/jies.v2i1.345
Muneer, F., & Khan, F. (2019). Qard-al-hassan as a tool for poverty alleviation a case of fael khair waqf program in Bangladesh. Journal of Islamic Monetary Economics and Finance, 5(4), 829-848. https://doi.org/10.21098/jimf.v5i4.1100
Nugroho, W., & Hilal, F. N. (2019). Micro waqf bank in Indonesia: Analysis of the Constitution concept according to the Maqashid sharia. Al-Iktisab: Journal of Islamic Economic Law, 3(1), 28-39. https://doi.org/10.21111/al-iktisab.v3i1.3905
Nur, M. A., Muharrami, R. S., & Arifin, M. R. (2019). Peranan bank Wakaf Mikro dalam Pemberdayaan Usaha Kecil pada Lingkungan Pesantren. Journal of Finance and Islamic Banking, 2(1), 25-49. https://doi.org/10.22515/jfib.v2i1.1806
Nurhayati, S. (2019). Model Pemberdayaan Ekonomi Masyarakat Miskin Melalui Akses Pembiayaan Bank Wakaf Mikro Berbasis Pesantren:(Studi Kasus LKM Syariah Ranah Indah Darussalam Ciamis).". Eco-Iqtishodi: Jurnal Ilmiah Ekonomi dan Keuangan Syariah, 1(1), 45-56. https://doi.org/10.32670/ecoiqtishodi.v1i1.37
Rizal, A., Fauziyah, N. E., Ma'ruf, A., & Susilo, A. (2020). Integrating Zakah and Waqf for Developing Islamic Economic Boarding School (IEBS) Project in Indonesia. Journal of Islamic Economics and Philanthropy, 3(2), 697-716. http://dx.doi.org/10.21111/jiep.v3i02.4577
Rizan, M., Handaru, A. W., & Ramadian, A. (2022). Metode penelitian bisnis. Ahlimedia Book.
Safitri, R. A., & Sukmana, R. (2020). Efektivitas Bank Wakaf Mikro Dalam Mengurangi Kemiskinan (Studi Kasus LKMS Denanyar Sumber Barokah). Jurnal Ekonomi Syariah Teori dan Terapan, 6(10), 1936-1952. https://doi.org/10.20473/vol6iss201910pp1936-1952
Saturwa, H. N., Suharno, S., & Ahmad, A. A. (2021). The impact of COVID-19 pandemic on MSMEs. Jurnal Ekonomi dan Bisnis, 24(1), 65-82. https://doi.org/10.24914/jeb.v24i1.3905
Sugiyono. (2017). Metode penelitian kuantitatif,kualitatif,dan R&D. Alfabeta.
Sukma, F. A., Akbar, R. K., Azizah, N. N., & Juliani, G. P. (2019). Konsep Dan implementasi akad qardhul hasan pada perbankan syariah Dan manfaatnya. Amwaluna: Jurnal Ekonomi dan Keuangan Syariah, 3(2), 148-162. https://doi.org/10.29313/amwaluna.v3i2.4296
Sulistiani, S. L., Yunus, M., & Bayuni, E. M. (2019). Aspek hukum bank Wakaf Mikro dalam pengentasan kemiskinan berbasis pesantren Di Indonesia. Jurnal Bimas Islam, 12(1), 1-26. https://doi.org/10.37302/jbi.v12i1.86
Sulistiani, S. L., Yunus, M., & Bayuni, E. M. (2020). Micro waqf bank: New sharia financial instruments in Indonesia. Proceedings of the 2nd Social and Humaniora Research Symposium (SoRes 2019). https://doi.org/10.2991/assehr.k.200225.001
Suryadi, N., & Putri, Y. R. (2018). Analisis penerapan pembiayaan qardhul hasan berdasarkan PSAK syariah pada BMT Al Ittihad Rumbai Pekanbaru. Jurnal Tabarru': Islamic Banking and Finance, 1(1), 37-50. https://doi.org/10.25299/jtb.2018.vol1(1).2043
Susilo, A. (2016). Kontribusi waqf Gontor Terhadap Kesejahteraan Masyarakat Desa Gontor. Islamic Economics Journal, 2(1), 17-35. https://doi.org/10.21111/iej.v2i1.967
Susilo, A. (2020). Identifying factors that affect consumer satisfaction of Parklatz cafe in Ponorogo city, East Java, Indonesia: An application of exploratory factor analysis. Falah: Jurnal Ekonomi Syariah, 5(1), 1-14. https://doi.org/10.22219/jes.v5i1.11399
Susilo, A., Abdullah, N. I., & Che Embi, N. A. (2022). Islamic business ethics as customer retention factors in Islamic bank: An exploratory factor analysis. Iqtishodia: Jurnal Ekonomi Syariah, 7(2), 01-10. https://doi.org/10.35897/iqtishodia.v7i2.845
Susilo, A., Che Embi, N. A., & Abdullah, N. I. (2021, July). The Concept of Gontor's Literacy on Waqf as A Model to Achieve Waqf Inclusion and Increase Cash Waqf Participation [Conference session]. The 9th International Islamic Economic System Conference, Malaysia.
Susilo, A., Rahman Abadi, M. K., Sahroni, A., & Afif, M. (2022). The Influence of Service Quality towards Customer Satisfaction on Garuda Airline of Yogyakarta International Airport on Pandemic Covid-19. Al Tijarah, 8(1), 1-14. http://dx.doi.org/10.21111/tijarah.v8i1.7374
Zainal, V. R. (2016). Pengelolaan dan pengembangan wakaf produktif. Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam, 9(1), 1-16. https://doi.org/10.47411/al-awqaf.v9i1.32
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2023-05-22
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