Bank Wakaf Mikro dan Pemberdayaan Usaha Mikro Kecil dan Menengah di Indonesia Perspektif Maqashid Syariah

Abstract

Micro Waqf Bank (BKM) is a form of community empowerment innovation through Islamic philanthropy. Even so, its development must still be measured using sharia principles so that it is in accordance with the teachings of Islam. This article aims to describe the potential and role of BKM in empowering Micro, Small and Medium Enterprises (MSMEs) in Indonesia. This article is based on empirical research with a conceptual approach. The location of this research is micro waqf bank located in three provinces, namely East Java, Yogyakarta, and West Nusa Tenggara. The results showed that the micro waqf bank which was the object of the research carried out financing through Corporate Social Responsibility (CSR) funds. The micro waqf banks studied are microfinance institutions that run their business activities based on sharia principles, so all agreements made must be guided by the DSN-MUI fatwa. Micro waqf banks participate in maintaining qasd al-syari' (God's purpose) through financing to their customers in order to realize prosperity.Bank Wakaf Mikro (BKM) merupakan wujud inovasi pemberdayaan masyarakat melalui filantropi Islam. Meskipun dmeikian perkembangannya harus tetap diukur menggunakan prinsip syariah agar sesuai dengan ajaran agama Islam. Artikel ini bertujuan mendeskripsikan potensi dan peran BKM dalam pemberdayaan Usaha Mikro, Kecil dan Menengah (UMKM) di Indonesia. Artikel ini berdasarkan penelitian empiris dengan pendekatan konseptual. Lokasi penelitian ini adalah bank wakaf mikro yang berada di tiga provinsi yaitu Jawa Timur, Yogyakarta, dan Nusa Tenggara Barat. Hasil penelitian menunjukkan bahwa bank wakaf mikro yang menjadi objek penelitian melakukan pembiayaan melalui dana Corporate Social Responsibility (CSR). Bank wakaf mikro yang diteliti merupakan lembaga keuangan mikro yang menjalankan kegiatan usahanya berdasarkan prinsip syariah, sehingga seluruh kesepakatan yang dilakukan harus berpedoman pada fatwa DSN-MUI. Bank wakaf mikro turut menjaga qasd al-syari’ (tujuan Allah) melalui pembiayaan kepada nasabahnya agar terwujud kesejahteraan.

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