Inovasi Pembiayaan Mudharabah Linked Waqf
DOI:
https://doi.org/10.59059/jupiekes.v1i3.1106Keywords:
MSMEs, Mudharabah, Waqf, Sharia BankingAbstract
Micro, Small and Medium Enterprises (MSMEs) are buying and selling activities and providing services to the community with the aim of making a profit, but the empowerment of MSMEs is not due to the fact that there are still many obstacles, such as the difficulty for MSMEs to obtain financing facilities from financial institutions, so they are forced to take out loans from loan sharks whose interest rates are high and suffocating. thus causing businesses to go out of business, to overcome this problem MSMEs need Islamic financial institutions with a profit sharing scheme, namely mudharabah contracts or financing/investments which are usually mudharabah products found in Islamic Cooperatives, Indonesian Sharia Bank (BSI), Baitul Maal Wat Tamwil (BMT). The Indonesian Muslim Entrepreneurs Community (KPMI) and the Syirkah Bersama Cooperative (KSBB) are both working together to create a new innovation in the form of Mudharabah Linked Waqf which optimizes and manages cash waqf funds in an organized manner so that it is hoped that it can help MSMEs to develop further.
References
Aurelia, O., Hasbi, S., & Yetti, F. (2021). PENGELOLAAN PEMBIAYAAN MURABAHAH NASABAH UMKM BPRS AMANAH INSANI DI MASA PANDEMI COVID-19: MANAGEMENT OF MURABAHAH FINANCING UMKM CUSTOMERS OF BPRS AMANAH INSANI DURING THE COVID-19 PANDEMIC. NISBAH: Jurnal Perbankan Syariah, 7(2), 59–72. https://doi.org/10.30997/jn.v7i2.4536
Febriyanti, Novi. 2023. “Equity Crowdfunding: Financing Instruments MSMEs Compilation of Perspective Sharia Economic Law”. Al-Qanun: Jurnal Pemikiran Dan Pembaharuan Hukum Islam 26 (1):108-20. https://doi.org/10.15642/alqanun.2023.26.1.108-120.
Febriyanti , N. . (2021). Enhancing the Effectiveness of the Zakat Management System to Reduce Taxable Income for Muslim Communities in East Java. Al-Risalah: Forum Kajian Hukum Dan Sosial Kemasyarakatan, 21(2), 271–279. https://doi.org/10.30631/alrisalah.v21i2.821
Febriyanti, Novi and IHSANI, A. FIKRI AMIRUDDIN (2021) The Contribution of Career Level in The Work-life Balance of Muslimah's Entrepreneur. Raheema: Jurnal Studi Gender dan Anak, 8 (1). pp. 130-144. ISSN 2502-8111
Febriyanti, Novi, and Kiky Dzakiyah. “Analisis Pengelolaan Keuangan Islam Pada Pelaku Usaha Kecil Bisnis Online Anggota Himpunan Pengusaha Muda Indonesia Perguruan Tinggi Universitas Islam Negeri Sunan Ampel Surabaya”. El-Qist: Journal of Islamic Economics and Business (JIEB) 9, no. 2 (December 18, 2020): 102–115. Accessed February 21, 2024. https://jurnalfebi.uinsby.ac.id/index.php/elqist/article/view/227.
Febriyanti, N., Rahmanto, D. N. A., Sofa, M., Susana, S., Nuzulanita, N. R., & Jainul, J. (2023). Prinsip Bagi Hasil dalam Perspektif Ekonomi Syariah Pada Akad Mudharabah. EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi, 2(2), 511–519. https://doi.org/10.56799/ekoma.v2i2.3081
Habibi, M. L., & Candra Yudha, A. T. R. (2017). MEMBANGUN INTEGRATED TAKAFUL DAN WAKAF MODEL DALAM UPAYA MENINGKATKAN KEMANFAATAN PEMEGANG POLIS. Al-Uqud : Journal of Islamic Economics, 1(2), 139–155. https://doi.org/10.26740/al-uqud.v1n2.p139-155
Kartini, Tika. (2019). Pengaruh Sistem Pembiayaan Mudharabah Terhadap UMKM. Jurnal Ilmiah Ilmu Ekonomi: Akuntansi, Pajak dan Manajemen. 7(14), 68.79. https://jurnal.ummi.ac.id/index.php/JIIE/article/view/387
MajidR. (2021). Mudharabah Linked Waqf: Inovasi Model Pembiayaan Berkelanjutan untuk UMKM. Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah, 3(1), 102-118. https://doi.org/10.47467/alkharaj.v3i1.267
Tina Kartini. (2019). Pengaruh Sistem Pembiayaan Mudharabah Terhadap Efektivitas UMKM. Jurnal Ilmiah Ilmu Ekonomi, 7, 69–70.
