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Bank Wakaf Mikro: The Operations and Its Role Towards Muslim Community Economic Empowerment in Islamic Boarding School
Author(s) -
Rozalinda Rozalinda,
Nurhasnah Nurhasnah
Publication year - 2020
Publication title -
islam realitas
Language(s) - English
Resource type - Journals
eISSN - 2477-1309
pISSN - 2477-1201
DOI - 10.30983/islam_realitas.v6i1.3119
Subject(s) - empowerment , indonesian , documentation , business , islam , business administration , political science , economic growth , economics , computer science , law , geography , philosophy , linguistics , programming language , archaeology
Many poor people cannot access financial services because they are seen as unbankable. Bank Wakaf Mikro (BWM) is established to address this issue. This study aims to dissect the operation of BWM and its role on community economic empowerment. This research is a type of qualitative descriptive study, conducted at BWM in West Sumatra, Yogyakarta, Central Java and East Java. Data collection techniques are done by interview, observations and documentation data. All data are analyzed qualitatively. The results showed that BWM is a Sharia Microfinance Institution (LKMS) incorporated as a cooperative. The empowerment model carried out by BWM is to provide financing and assistance with the potential productive poor market segments around the Islamic boarding school. Distribution of funding and assistance uses a group approach to the joint responsibility system. In its journey, BWM has shown its role in community economic empowerment through providing training to prospective customers, then channeling financing to customers who pass the group feasibility test and provide assistance to customers who receive financing through weekly halaqah activities. Banyak masyarakat miskin tidak dapat mengakses jasa keuangan karena mereka dipandang  unbankable. Bank Wakaf Mikro (BWM) didirikan untuk menjawab  persoalan tersebut. Penelitian ini bertujuan membedah operasional BWM dan peranya terhadap pemberdayaan ekonomi masyarakat. Penelitian ini merupakan jenis penelitian deskriptif kualitatif, dilakukan pada BWMyang ada di Sumatera Barat, Yogyakarta, Jawa Tengah, dan Jawa Timur. Teknik pengumpulan data dilakukan dengan wawancara, observasi dan data dokumentasi. Seluruh data ditela’ah dan dianalisis secara kualitatif.Hasil penelitian menunjukkan BWM merupakan Lembaga Keuangan Mikro Syariah (LKMS)  berbadan hukum koperasi. Model pemberdayaan yang dilakukan oleh BWM adalah menyediakan pembiayaan dan pendampingan  dengan  segmen pasar  masyarakat miskin potensial produktif yang berada di sekitar pondok pesantren. Penyaluran pembiayaan dan pendampingan menggunakan pendekatan kelompok dengan sistem tanggung renteng. Dalam perjalannya BWM sudah menunjukkan perannya dalam pemberdayaan  ekonomi masyarakat melalui pemberian pelatihan kepada calon nasabah, kemudian m enyalur k an pembiayaan kepada nasabah yang lulus uji kelayakan kelompok dan memberikan pendampingan kepada nasabah yang menerima pembiayaan melalui kegiatan halaqah mingguan.  

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