PRIVILEGES OF QARDH FINANCING AT MICRO WAQF BANKS

Mohammad H Holle, Rosita Tehuayo, Magfirah Karanelan

Abstract


Writing this article aims to reveal and prove the privilege of financing using a Qardh contract at the Micro Waqf Bank Al-Anshor Cares Ambon. The research method used is field research with a case study approach and a qualitative paradigm. Data collection techniques using observation and interviews focused on indicators of Qardh financing without collateral, Qardh without interest, channeling funds on target, group or cooperation systems, managed by Micro Waqf Banks formed by Islamic Boarding Schools, business coaching, and avoiding moneylenders, cooperation system (Gotong Royong) managed by Islamic boarding schools with permission from the OJK, providing business knowledge and training as well as religious education. The results of this study found that the qardh financing feature can change the daily life of micro-entrepreneurs, increase income, avoid loan sharks and interest on loans, better household consumption patterns, and relatively good family education. This proves that Qardh financing has advantages over other financing models.


Keywords


Financing; Qardh; Micro Waqf Bank.

Full Text:

PDF

References


Abdullah, M. W. (2021). Implementasi Konsep Qardh Terhadap Maksimalisasi Manfaat Menuju Koperasi Berkah. Jurnal Manajemen Perbankan Keuangan Nitro (JMPKN), 4(1), 39–45.

Aderemi, A. M. R., & Ishak, M. S. I. (2020). Crowdfunding as an Alternative Mode of Financing for Micro and Small Enterprises: A Proposed Qard-al-Hasan Contract. International Journal of Islamic Economics and Finance (IJIEF), 3(3), 95–118. https://doi.org/10.18196/ijief.3235

Afkar, T. (2017). Influence Analysis Of Mudharabah Financing And Qardh Financing To The Profitability Of Islamic Banking In Indonesia. AJIE - Asian Journal of Innovation and Entrepreneurship, 02(03), 340–351.

Aldeen, K. N., Ratih, I. S., & Herianingrum, S. (2020). Contemporary Issues on Cash Waqf: A Thematic Literature Review. International Journal of Islamic Economics and Finance (IJIEF), 3(3), 119–144. https://doi.org/10.18196/ijief.3236

Amran, M., Yassir, M., Saladin, M., & Rasool, A. (2015). Potential of Micro-Waqf as an Inclusive Strategy for Development of a Nation. Procedia Economics and Finance, 31(15), 294–302. https://doi.org/10.1016/S2212-5671(15)01193-4

Aslam, H. M., Huq, P. A., Omar, M. M., Fouad, B. A. M., & Dahiru, M. A. (2015). Integration of waqf-Islamic microfinance model for poverty reduction: The case of Bangladesh. International Journal of Islamic and Middle Eastern Finance and Management, 8(2), 246–270. https://doi.org/10.1108/IMEFM-03-2014-0029

Bagus, F., Apriliawan, A., Ridlwan, A. A., & Haryanti, P. (2021). Peran Bank Wakaf Mikro Dalam Meningkatkan Kesejahteraan Masyarakat (Studi Kasus Bwm Tebuireng Mitra Sejahtera). JIES: Journal of Islamic …, 2, 41–55. https://ejournal.feunhasy.ac.id/jies/article/view/345

Diniyya, A. A. (2019). Development Of Waqf Based Microfinance And Its Impact In Alleviating The Poverty. Ihtifaz: Journal of Islamic Economics, Finance, and Banking, 2(2), 107. https://doi.org/10.12928/ijiefb.v2i2.879

Drasmawita, F., & Herianingrum, S. (2020). Peran Lembaga Bmt Almaun Berkah Madani Dalam Pembebasan Nasabah Dari Rentenir. Jurnal Ekonomi Syariah Teori Dan Terapan, 7(1), 35. https://doi.org/10.20473/vol7iss20201pp35-49

Dzikrayah, F., & Nugroho, F. H. (2023). Penerapan Prinsip Syariah di Bank Wakaf Mikro Barokah Al-Masthuriyah dalam Pemberdayaan Masyarakat. Al-Muamalat: Jurnal Ekonomi Syariah, 10(1), 36–50. https://doi.org/10.15575/am.v10i1.23653

Erly Rizky Kamalia. (2021). Analisis Pembiayaan Tanggung Renteng Pada Bank Wakaf Mikro Sumber Barokah Denanyar Jombang. Institut Agama Islam Negeri Ponorogo.

Fadilah Hasib, F., & Slamet Rusydiana, A. (2022). Developing Micro Waqf Bank in Indonesia. Islamic Social Finance, 2(1). https://doi.org/10.58968/isf.v2i1.132

Faujiah, A. (2018). Bank Wakaf Mikro dan Pengaruhnya Terhadap Inklusi Keuangan Pelaku Usaha Kecil dan Mikro (UKM). April, 373–382. http://proceedings.kopertais4.or.id/index.php/ancoms/article/view/141

Julfan Saputra1, Sri Sudiarti, A. H. (2021). Konsep Al-‘Ariyah, Al-Qardh dan Al-Hibah. Al-Sharf Jurnal Ekonomi Islam, 2(1), 19–34.

Khan, M., Choi, S. B., Han, N. H., & Bae, J. H. (2019). Good faith principle of contract law for the islamic banking system. Utopia y Praxis Latinoamericana, 24(Extra5), 239–251.

Maulida, S., Hasan, A., & Umar, M. (2020). Implementasi Akad Pembiayaan Qard dan Wakalah bil Ujrah pada Platform Fintech Lending Syariah ditinjau Berdasarkan Peraturan Otoritas Jasa Keuangan ( OJK ) dan Fatwa DSN-MUI. Al-Tijary, Jurnal Ekonomi Dan Bisnis Islam, 5(2), 175–189.

Minsih, M., Lubis, Y., & Sinaga, R. S. (2020). Policy on Implementation of Bank Indonesia Circular Letter No . 14 / 7 / Dpbs of 2012 concerning Regulation of Qardh Backed by Gold at Bank Syariah Mandiri KFO Imam Bonjol Medan ( Pre Merger of PT Bank Syariah Indonesia ). 14, 6119–6128.

Mirhabun Nadir. (2021). The Role Of Islamic Boarding Schools In Building Spiritual Values, National Values And Cultural Values In Indonesia. Pendidikan Multikutural, 5(2), 6.

Muflihin, M. D. (2019). Manajemen Distribusi Dana Wakaf Produktif di BMT Mandiri Sejahtera Kantor Pusat Gresik. Jurnal Ekonomi Syariah, 4(1), 67–76.

Nida’ul Haque, D. P. (2022). Analisis Sumber Pendapatan Negara dan Alokasi Belanjanya Dalam Konteks Keuangan Publik Islam Era Kekinian di Malaysia. Jurnal Ekonomi Dan Bisnis, Vol. 9(No. 2), 357–370.

Shulthoni, M., & Saad, N. (2018). Waqf fundraising management : a conceptual comparison between traditional and modern methods in the waqf institutions. 8(1), 57–86. https://doi.org/10.18326/ijims.v8i1.57-86

Sulistiani, L. S. dkk. (2019). Peran dan Legalitas Bank Wakaf Mikro dalam Pengentasan Kemiskinan Berbasis Pesantren di Indonesia. Jurnal Bimas Islam, 12(1), 2.

Sulistiani, S. L., Yunus, M., & Bayuni, E. M. (2019). Peran dan Legalitas Bank Wakaf Mikro dalam Pengentasan Kemiskinan Berbasis Pesantren di Indonesia. Jurnal Bimas Islam, 12(1), 1–26.

Tiara Deasy Nurfitriani Sumarwan, & Neng Dewi Himayasari. (2022). Analisis Maslahah Mursalah dalam Penyaluran Pembiayaan Qardh di Bank Wakaf Mikro Ciganitri. Jurnal Riset Ekonomi Syariah, 121–128. https://doi.org/10.29313/jres.v2i2.1389

Tanwir al Qutub fi Muamalah ‘Allam al - Ghuyub, Dar Al-kotob Al-ilmiyah 621 (2010).

Ali Sakti, Ibrahim, Azharsyah, D. (2021). Pengantar Ekonomi Islam dalam R. Ismal, A. Sakti, M. S. Nurzaman, & L. Tamanni (eds.); Pertama). Departemen Ekonomi dan Keuangan Syariah - Bank Indonesia.

Antonio, M. S. (2001). Bank Syariah dan Teori ke Praktik (Dadi MH. Basri dan Farida Dewi (ed.); 1st ed.). Gema Insani Press.

Ibrahim, A. (2021). Azharsyah Ibrahim, Erika Amelia, Nashr Akbar, Nur Kholis, Suci Aprilliani Utami, Nofrianto (Edisi Pert). Departemen Ekonomi dan Keuangan Syariah - Bank Indonesia.

John W. Creswell. (2015). No Title, Penelitian Kualitatif dan Desain Riset; Memilih Diantara Lima Pendekatan (ke-3). Pustaka Pelajar Yogyakarta.

Kementrian Pendidikan dan Kebudayaan Republik Indonesia. (2016). Kamus Besar Bahasa Indonesia Online. K Kementrian Pendidikan dan Kebudayaan Republik Indonesia,.

Lexy J. Moleong. (2021). Metodologi Penelitian Kualitatif. PT Remaja Rosdakarya.

Muhamad. (2014). Manajemen Keuangan Syariah. UPP STIM YKPN.

Musthafa Dib Al-Bugha. (2010). Buku Pintar Transaksi Syariah. Mizan Publika.

S. Sugiyono. (2016). Metode penelitian kuantitatif, kualitatif, dan r & d. Alfabeta.

Shihab, M. Q. (2013). Wawasan Al-Qur’an Tafsir Tematik Atas Pelbagai Persoalan Umat (Ed.2, cet.). Mizan. http://103.255.15.77/detail-opac?id=267877

Sutrisno Hadi. (2015). Metodologi Riset. Pustaka Pelajar.

Aneeq, M., Roslan, A., & Akbar, M. A. (2020). A Review on the Contribution of Zakat and Taxation towards Economic Development Postulated by Two Contemporary Research Scholars.

Ani Fauziah. (2018). Bank Wakaf Mikro dan Pengaruhnya Terhadap Inklusi Keuangan Pelaku Usaha Kecil dan Mikro (UKM). Proceedings of Annual Conference for Muslim Scholars, 1(April), 373–382.

Disemadi, H. S., & Kholis Roisah. (2019). Bank Wakaf Mikro dan Pengaruhnya Terhadap Inklusi Keuangan Pelaku Usaha Kecil dan Mikro (UKM) | Proceedings of Annual Conference for Muslim Scholars. Law Reform, 15(2), 177–194. http://proceedings.kopertais4.or.id/index.php/ancoms/article/view/141

OJK. (2018). OJK Keluarkan Izin 41 Bank Wakaf Mikro, Presiden Jokowi Resmikan Tiga BWM di Jombang. Sp 85/Dhms/Ojk/Xii/2018.

Fatwa Dewan Syari’ah Nasional No: 11/DSN-MUI/IV/2000 Tentang Kafalah, Pub. L. No. Fatwa Dewan Syari’ah Nasional No: 11/DSN-MUI/IV/2000, 1 (2000).




DOI: http://dx.doi.org/10.30984/tjebi.v8i1.2358

Article Metrics

Abstract view : 146 times
PDF - 128 times

Refbacks

  • There are currently no refbacks.


Tasharruf: Journal Economics and Business of Islam is indexed by:

JURISMA : Jurnal Riset Bisnis & Manajemen
       



       

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.

________________________________________________________
Tasharruf: Journal Economics and Bussiness of Islam is published by Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Negeri (IAIN) Manado

Jl. Dr. S. H. Sarundajang Kawasan Ring Road I Malendeng Manado, Sulawesi Utara, Indonesia 95128
Email: tasharruf@iain-manado.ac.id

ISSN Print: 2528-0317 ISSN Online: 2528-0325