Penerapan Prinsip Syariah di Bank Wakaf Mikro Barokah Al-Masthuriyah dalam Pemberdayaan Masyarakat
Journal Title: Al-Muamalat: Jurnal Ekonomi Syariah - Year 2023, Vol 10, Issue 1
Abstract
Micro Waqf Bank (BWM) is a Sharia Microfinance Institution (LKMS) that exists to overcome community groups that face difficulties in accessing financial institutions. However, the SOP makes BWM different from microfinance institutions. BWM's financing products are still limited as BWM Barokah's business focus is financing with qardh contracts with low margins. The purpose of this study is to see the application and supervision of sharia principles at the Barokah al-Masthuriyah Micro Waqf Bank in empowering the community and the contracts used in it. This research uses an empirical juridical approach with a qualitative approach. Data was obtained through interviews, observations, and literature studies. The result of this research is that Barokah al-Masturiyah Waqf Bank has a financing product that uses a qardh contract. Â BWM al-Masturiyah in carrying out the mandate of Law Number 21 of 2008 where every business activity based on sharia principles, must be carried out in accordance with sharia principles that have been determined by the DSN-MUI. Therefore, in carrying out supervision of BWM management in accordance with sharia principles, BWM Barokah al-Masthuriyah has carried out various supervisions. In conclusion, BWM al-Masturiyah has implemented sharia principles supervised by DPS, the Cooperative Office, OJK, and LAZNAS BSM Umat. Â Bank Wakaf Mikro (BWM) merupakan Lembaga Keuangan Mikro Syariah (LKMS) yang hadir untuk mengatasi kelompok masyarakat yang menghadapi kesulitan dalam akses terhadap lembaga keuangan. Akan tetapi SOP yang menjadikan BWM berbeda dengan lembaga keuangan mikro. Produk pembiayaan BWM masih terbatas sebagaimana fokus usaha BWM Barokah adalah pembiayaan dengan akad qardh dengan margin yang rendah. Tujuan dari penelitian ini adalah untuk melihat penerapan dan pengawasan prinsip syariah di Bank Wakaf Mikro Barokah al-Masthuriyah dalam memberdayakan masyarakat serta akad yang digunakan di dalamnya. Penelitian ini menggunakan pendekatan yuridis empiris dengan pendekatan kualitatif. Data yang diperoleh melalui wawancara, observasi, serta studi pustaka. Hasil dari penelitian ini ialah Bank Wakaf Barokah al-Masturiyah memiliki produk pembiayaan yang menggunakan akad qardh. BWM al-Masturiyah dalam melaksanakan amanat UndangâUndang Nomor 21 Tahun 2008 di mana setiap kegiatan usaha yang berdasarkan prinsip syariah, maka harus dilaksanakan sesuai dengan prinsip-prinsip syariah yang telah ditentukan oleh DSN-MUI. Oleh karena itu, dalam melaksanakan pengawasan terhadap pengelolaan BWM yang sesuai dengan prinsip syariah, BWM Barokah al-Masthuriyah telah melakukan berbagai pengawasan. Kesimpulannya, BWM al-Masturiyah telah menerapkan prinsipâprinsip syariah dengan diawasi oleh DPS, Dinas Koperasi, OJK, dan LAZNAS BSM Umat.
Authors and Affiliations
Fithri Dzikrayah,Fahmi Hasan Nugroho,
Keywords
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- EP ID EP729909
- DOI https://doi.org/10.15575/am.v10i1.23653
- Views 19
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