The Efforts Of Sharia Micro Financial Institutions In Increasing Community Income (Case Study Of Bank Wakaf Mikro Honai Sejahtera Papua)

Shimah Fauziah Yeubun*  -  Institut Agama Islam Negeri Fattahul Muluk Papua, Indonesia
Muhammad Anang Firdaus  -  Institut Agama Islam Negeri Fattahul Muluk Papua, Indonesia
Fachrudin Fiqri Affandy  -  Institut Agama Islam Negeri Fattahul Muluk Papua

(*) Corresponding Author

Abstract

Purpose - This study aims to determine and analyze the effort of the Honai Prosperous Micro Waqf Bank in Papua in increasing community income in Heram District, Jayapura, Papua Province. Micro Waqf Bank is one of the government programs for low-scale communities.

Method - This research uses a qualitative method with a case study approach. Primary data are collected from several informants who have related duties and functions such as managers, boarding school leaders, and customers from the Honai Sejahtera Micro Waqf Bank.  While secondary data includes data from documents, literature, and academic studies and research.  The data that has been collected is then processed and analyzed using a field analysis approach from Miles and Huberman.

Result - The results of this study indicate that Honai Sejahtera Micro Waqf Bank improve the communities' income in Heram District by providing a loan for business capital using the Qardh. Besides that, the community felt the positive impact of their existence.

Implication - Local Governments need to work together with LKMS to empower communities to escape poverty.

Originality- This research focuses on increasing people's income through Islamic Microfinance Institution (LKMS) in Papua Province which has never been studied previously.

 

Keywords : Islamic Microfinance Institutions; Income; Bank Wakaf Micro.

  1. Afendi, A. (2018). Pengaruh Variabel Makroekonomi Terhadap Jumlah Penerimaan Zakat di Badan Amil Zakat Nasional (Baznas) Pusat Tahun 2012 – 2016. Muqtasid: Jurnal Ekonomi Dan Perbankan Syariah, 9(1), 54. https://doi.org/10.18326/muqtasid.v9i1.54-69
  2. Amri, M., Widiyaningsih, & Azizah, N. (2017). Lembaga Keuangan Mikro Syariah.
  3. Badan Pusat Statistik. (2017). Presentase Penduduk Miskin September 2017 Mencapai 10,12 Persen. https://www.bps.go.id/pressrelease/2018/01/02/141/%0APresentase-penduduk-miskin-september-2017-mencapai-10-12-persen-html.%0A
  4. Fajar, S. (2019). Otoritas Jasa Keuangan Memperluas Bank Wakaf Mikro Ke Berbagai Daerah. https://www.wartaekonomi.co.id/read/ojk-perluas-bank%0Awakaf mikro-ke-berbagai-daerah%0A
  5. Ilahi, A. P., & Afendi, A. (2019). Factors To Influence Employee Performance In Bank Tabungan Negara Sharia Semarang. AL-ARBAH: Journal of Islamic Finance and Banking, 1(1), 1. https://doi.org/10.21580/al-arbah.v1i1.4108
  6. Lestari, I. D. (2019). Analisa Pengelolaan Produktif Melalui Bank Wakaf Mikro Dengan Pendekatan SWOT (Studi Emprisi LKM Syariah, El Manahij Lebak). Universitas Islam Negeri Syarif Hidayatullah Jakarta.
  7. Meuthiya, A. A. (2014). Pengembangan Produk-Produk Lembaga Keuangan Mikro Syariah. Jurnal Equilibirium, 2(1). https://journal.ac.id/index.php/equilibrium/search/authors/view.
  8. Noor, M. (2011). Pemberdayaan Masyarakat. Jurnal Ilmiah Civis, 1(2). https://journal.upgris.ac.id/index.php/civis/article/download
  9. Penina, N. I. (2019). Komunikasi Pembangunan Melalui Pemberdayaan Masyarakat Untuk Pengentasan Kemiskinan. Jurnal Perspektif Komunikasi, 3(2). https://jurnal.umj.ac.id/index.php/perspektif/article/view/5595
  10. Saskia, B. P. (2020). Wawancara Pribadi.
  11. Sugiarto. (2017). Metode Penelitian Bisnis. Andi Offset.
  12. Sujarweni, W. . (2014). Metodologi Penelitian. Pustaka Baru Press.
  13. Sutera, D. H., & Kholis, R. (2019). Kebijakan Model Bank Wakaf Mikro Sebagai Solusi Pemberdayaan Ekonomi Masyarakat. Jurnal Law Reform, 15(2). https://ejournal.undip.ac.id/index.php/lawform%0A/article/view.%0A
  14. Uci, J. (2018). Pemberdayaan Masyarakat Melalui Bank Wakaf Mikro. https://kompasiana.com/ucijunaedi/pemberdayaan-masyarakat-melalui-bank%0Awakaf-mikro (diakses pada 20 Januari 2019).%0A

Al-Arbah: Journal of Islamic Finance and Banking
Published by Department of Sharia Banking, Faculty of Islamic Economics and Business, UIN Walisongo Semarang, Indonesia
Jl Prof. Dr. Hamka Kampus III Ngaliyan Semarang 50185
Phone: +62 852-3660-5533
Website: https://febi.walisongo.ac.id/
Email: alarbah@walisongo.ac.id

ISSN: 2716-3946 (Print)
ISSN: 2716-2575 (Online)

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

 
apps