Analisis Dampak Program Pemberdayaan Terhadap Kesejahteraan Umat Analysis Of The Impact Of Empowerment Program On The Welfare Of The People
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Published:
Oct 16, 2021
Keywords:
Pemberdayaan, Keuangan Mikro Syariah, Pendapatan, Akad
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Abstract
Poverty is still a problem, especially in realizing prosperity. Many programs are carried out to alleviate poverty, one of which is the empowerment program carried out by Islamic microfinance institutions. This study aims to identify the effect of empowerment contracts on people's welfare. This study uses a quantitative approach. This study uses primary data obtained from interviews, observation, documentation. The data analysis technique used a regression approach. The results and discussion showed that the empowerment contract which included the qardhul hasan and musyarakah contracts had a significant effect on customers' income. Thus, empowerment through the qardhul hasan and musyarakah contract schemes can be developed to realize the welfare of the people.
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Copyright (c) 2021 Ferry Khusnul Mubarok
This work is licensed under a Creative Commons Attribution 4.0 International License.
References
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Sadia, M. and Qayyum, H. (2018) ‘Women Empowerment through Islamic Banking in Pakistan’, Journal of Islamic Studies, 20(02), pp. 9–21.
Usman, A. S. and Tasmin, R. (2016) ‘The Role of Islamic Micro-Finance in Enhancing Human Development in Muslim Countries’, Journal of Islamic Finance, 5(1), pp. 53–62. doi: 10.12816/0027652.
Viciawati Machdum, S. et al. (2015) ‘Crucial Dimensions in Organization Management of Indonesian Islamic Almsgiving (Zakah) Institutions: Insights for Community Economic Empowerment a Review of the Literature’, The South East Asian Journal of Management •, 9(2), pp. 157–172.
Wediawati, B., Gunawan, A. and Setiawati, R. (2019) ‘Optimization of Masjid-Based Zakat Management : A Graduation Empowerment Approach’, in International Conference of Zakat, pp. 282–290.
Yulma, N. L. (2016) ‘Peran Pemberdayaan Wakaf Tunai (Studi Kasus pada BMT Amanah Ummah Surabaya)’, Ekonomi Syariah Teori dan Terapan, 3(11), pp. 856–871.
Adachi, M. (2018) ‘Discourses of Institutionalization of Zakat Management System in Contemporary Indonesia: Effect of the Revitalization of Islamic Economics’, International Journal of Zakat, 3(1), pp. 25–35. doi: 10.37706/ijaz.v3i1.71.
Ahmad Yusuf, A., Masruroh, R. and Nurhayati, N. (2016) ‘Sharia Micro Financing for Women Poverty Reduction: an Empirical Study of Rural Areas of Kuningan -West Java - Indonesia’, Advances in Economics, Business and Management Research, 15, pp. 687–693. doi: 10.2991/gcbme-16.2016.130.
Al-Shami, S. S. A. et al. (2016) ‘The effect of microfinance on women’s empowerment: Evidence from Malaysia’, Asian Journal of Women’s Studies, 22(3), pp. 318–337. doi: 10.1080/12259276.2016.1205378.
Anwar, A. T. (2018) ‘Zakat Produktif untuk Pemberdayaan Ekonomi Umat’, ZISWAF, 5(1), pp. 41–62.
Bin-Nashwan, S. A. et al. (2020) ‘Zakah compliance behavior among entrepreneurs: economic factors approach’, International Journal of Ethics and Systems, 36(2), pp. 285–302. doi: 10.1108/IJOES-09-2019-0145.
Bouanani, M. and Belhadj, B. (2020) ‘Does Zakat reduce poverty? Evidence from Tunisia using the Fuzzy Approach’, Metroeconomica, 71(4), pp. 835–850. doi: 10.1111/meca.12304.
Danica, D. P. and Priyangka, P. P. (2018) ‘Pemberdayaan Usaha Kecil dan Mikro melalui Dana Zakat Produktif’, Ilmu Dakwah: Academic Journal for Homiletic Studies, 12(1), pp. 141–160. doi: 10.15575/idajhs.v12i.190.
Hafriza, R. H. and Chuzairi, A. (2019) ‘Manajemen Zakat sebagai Penyeimbang Perekonomian Umat’, Perada, 1(1), pp. 45–58.
Hidayat, S. (2018) ‘Persepsi Masyarakat Terhadap Baitul Maal Wat Tamwil (BMT) dalam Pemberdayaan Ekonomi Masyarakat’, al-Uqud: Journal of Islamic Economics, 2, pp. 198–212.
Kasdi, A. (2016) ‘Filantropi Islam Untuk Pemberdayaan Ekonomi Umat (Model Pemberdayaan ZISWAF di BMT Se-Kabupaten Demak)’, IQTISHADIA Jurnal Kajian Ekonomi dan Bisnis Islam, 9(2), p. 227. doi: 10.21043/iqtishadia.v9i2.1729.
Kusuma, K. A. (2016) ‘Zakah index: Islamic economics’ welfare measurement’, Indonesian Journal of Islam and Muslim Societies, 6(2), pp. 273–301. doi: 10.18326/ijims.v6i2.273-301.
Latief, H. (2013) ‘Islamic philanthropy and the private sector in Indonesia’, Indonesian Journal of Islam and Muslim Societies, 3(2), pp. 175–201. doi: 10.18326/ijims.v3i2.175-201.
Lubis, F. A. (2016) ‘Peranan BMT dalam Pemberdayaan Ekonomi Nasabah Di Kecamatan Berastagi-Kabanjahe Kabupaten Karo ( Studi Kasus Bmt Mitra Simalem Al-Karomah )’, Human Falah, 3(2), pp. 271–295.
Masyita, D. (2018) ‘Lessons Learned of Zakat Management from Different Era and Countries’, Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah, 10(2), pp. 441–456. doi: 10.15408/aiq.v10i2.7237.
Mubarok, F. K. (2019) ‘Optimalisasi Produk Qardhul Hasan dalam Memberdayakan Ekonomi Umat’, Akuntabel, 16(1), pp. 62–68. doi: 10.29264/jakt.v16i1.4638.
Mustafa, D., Baita, A. J. and Adhama, H. D. (2020) ‘Quantitative Economic Evaluation of Zakah-Poverty Nexus in Kano State, Nigeria’, International Journal of Islamic Economics and Finance (IJIEF), 3(1), pp. 21–50. doi: 10.18196/ijief.2120.
Nasution, A. H. et al. (2018) ‘Kajian Strategi Zakat, Infaq dan Shadaqah dalam Pemberdayaan Umat’, Jurnal Ekonomi Bisnis Syariah, 1(1), pp. 22–37. doi: 10.5281/zenodo.1148842.
Rini, R. (2020) ‘a Review of the Literature on Zakah Between 2003 and 2019’, International Journal of Economics and Financial Issues, 10(2), pp. 156–164. doi: 10.32479/ijefi.9035.
Sadia, M. and Qayyum, H. (2018) ‘Women Empowerment through Islamic Banking in Pakistan’, Journal of Islamic Studies, 20(02), pp. 9–21.
Usman, A. S. and Tasmin, R. (2016) ‘The Role of Islamic Micro-Finance in Enhancing Human Development in Muslim Countries’, Journal of Islamic Finance, 5(1), pp. 53–62. doi: 10.12816/0027652.
Viciawati Machdum, S. et al. (2015) ‘Crucial Dimensions in Organization Management of Indonesian Islamic Almsgiving (Zakah) Institutions: Insights for Community Economic Empowerment a Review of the Literature’, The South East Asian Journal of Management •, 9(2), pp. 157–172.
Wediawati, B., Gunawan, A. and Setiawati, R. (2019) ‘Optimization of Masjid-Based Zakat Management : A Graduation Empowerment Approach’, in International Conference of Zakat, pp. 282–290.
Yulma, N. L. (2016) ‘Peran Pemberdayaan Wakaf Tunai (Studi Kasus pada BMT Amanah Ummah Surabaya)’, Ekonomi Syariah Teori dan Terapan, 3(11), pp. 856–871.