The Micro Waqf Bank As A Model For Empowering The Community's Economy In Islamic Boarding Schools (Case Study Of Al-Hijrah Micro Waqf Bank)

Authors

  • Baiq Fitri Kurnia Astuti Ali Universitas Islam Negeri Antasari Banjarmasin
  • Zaki Mubarak Universitas Islam Negeri Antasari Banjarmasin

DOI:

https://doi.org/10.18592/ajieb.v2i1.10247

Keywords:

Micro Waqf Bank, Empowerment, Financing Implications

Abstract

Micro Waqf  Bank is presented as a new institution in the sharia-based financing sector. The target of Micro Waqf Bank is more towards the lower middle class community with affordable financing and no collateral or collateral. The selection of Al-Hijrah Micro Waqf Bank as the object of this research is based on several considerations in terms of quantity and quality. BWM Al-Hijrah has just entered its third year of operation and has creative efforts in empowering the community's economy. This study aims to determine how the model of community economic empowerment in the Islamic boarding school environment is run by Al-Hijrah Micro Waqf Bank and to find out what implications it has implemented. The research method is field research (descriptive research) with a qualitative approach. This research is located at Pondok Darul Hijrah, Cindai Alus Village, Martapura District, Banjar Regency, South Kalimantan. The methods used in this study are observation, interviews, and documentation. The data sources obtained in this study are from notes, books and interviews with BWM Al-Hijrah administrators and related customers. The results of this study indicate that economic empowerment through the implications of Al-Hijrah Micro Waqf Bank financing for the community around the Darul Hijrah Islamic boarding school is said to be empowered because the community's living needs are met, the community is independent and can develop its business, the amount of production and business innovation increases, the target market expands, the community is prosperous and has an independent business.

References

Abubakar, K. A., & Khalid, R. (n.d.). Al-Qardh (pinjam-meminjam) dalam perspektif Al-Qur’an. Jurnal Ekonomi dan Bisnis Islam, 2(7).

Al-Qur'an. (n.d.). Surah At-Thaghabun: 17.

Anwar, A. (2011). Pembaharuan pendidikan di pesantren Lirboyo Kediri. Pustaka Pelajar.

Arinta, Y. N., Nabila, R., & Al Umar, A. U. A. (2020). Eksistensi Bank Wakaf Mikro dan implikasinya terhadap kesejahteraan masyarakat dalam perspektif Islam. Jurnal Ilmiah Ekonomi Islam, 6(02).

Fahlafi, U. H. M. R. (2023). Pernyataan dari kepala bagian pendanaan dan kredit BWM Al-Hijrah, personal communication.

Fajeriannur, D. Lc., & Ahmad, U. (2023). Pernyataan dari ketua pengurus BWM Al-Hijrah.

Haidari, A. (2004). Masa depan pesantren dalam tantangan modernitas dan tantangan kompleksitas global. IRD Press.

Ismail, A. G., & Possumah, B. T. (2010). Qardhul hasan principles applied to micro finance facilities. Development, 8, 9.

Kartasasmita, G. (1995). Reaktualisasi nilai-nilai kepesantrenan. Artikel (Dies Natalis XXXI IAI Cipayung, Tasikmalaya).

Kemenag. (n.d.). Data statistik pondok pesantren menurut Kemenag. https://ditpdpontren.kemenag.go.id/pdpp/statistik?id=63

LKSM-BWM. (2019). Bank Wakaf Mikro statistik data nasional. http://lkmsbwm.id/data_nasional

Nisa, M. (2020). Analisis penanganan pembiayaan bermasalah Bank Wakaf Mikro pada pelaku usaha mikro, kecil, dan menengah di BWM Apik Kaliwungu Kendal dalam perspektif ekonomi Islam. UIN Walisongo Semarang.

Otoritas Jasa Keuangan. (2017). Bank Wakaf Mikro.

Rohmah, U., Suharto, & Anggraeni, E. (n.d.). Sistem tanggung renteng pada keberlangsungan usaha dan perspektif ekonomi Islam. Jurnal Ekonomi Islam, 2(08).

Rozani, N., Rahman, A., Mohamed, I. S., & Yusuf, S. N. S. (2015). Development of community currency for Islamic microfinance. Elsevier B.V. Journal International.

Suhartini, A. (2007). Latar belakang, tujuan, dan implikasi. Jurnal Pendidikan Belajar Tuntas, 10(1).

Surandi. (2021). Kontribusi Bank Wakaf Mikro terhadap pemberdayaan usaha mikro di lingkungan pondok pesantren (Studi pada Bank Wakaf Mikro Pondok Pesantren As’as).

Tania, A. J. (2018). Model pemberdayaan ekonomi pesantren (Studi kasus unit-unit usaha di Pondok Modern Darussalam Gontor) [Tesis, Malang].

Downloads

Published

2024-06-30

How to Cite

Astuti Ali, B. F. K., & Mubarak, Z. (2024). The Micro Waqf Bank As A Model For Empowering The Community’s Economy In Islamic Boarding Schools (Case Study Of Al-Hijrah Micro Waqf Bank). Asian Journal of Islamic Economics and Business, 2(1), 1–9. https://doi.org/10.18592/ajieb.v2i1.10247

Issue

Section

Articles