The Effectiveness Of Productive Infaq-Based Community Economic Empowerment to The Small And Medium Enterprises (SMEs) Growth in Pekalongan
Abstract
This study aims to find out (1) the procedure of distributing productive infaq to empower the SMEs’ economy and (2) the effectiveness of productive infaq-based economy empowerment for SMEs growth by BAZNAS through Sharia Financial Institutions in Pekalongan. This research applies a qualitative method using a phenomenology approach, where BAZNAS serves as the primary data. During data collection, this research uses triangulation: observation, interviews, and documentation. Additionally, the sample was selected based on a purposive sampling technique. This study finds out that productive infaq is allocated by sharia financial institutions. Also, the distribution of ZIS (alms and infaq) through the non-profit institutions does not apply profit sharing between BAZNAS and the institutions because it is under qardul hasan. BAZNAS utilizes the productive infaq to increase the capital for business people. If the business has achieved its targets and objectives, the program can be found to be effective. Infaq of Sharia Financial Institutions in 2017-2018 reached 160 million IDR that has been distributed to the SMEs. As a result, the distribution can be considered very effective and may need improvement to get economic growth in Pekalongan.
Keywords
Full Text:
PDFReferences
Ahmad Slamet. (2019). Hasil Wawancara Sekertaris Baznas Kota Pekalongan.
Arens, Alvin A.J.K Loebbecke. (2001). Auditing Suatu Pendekatan Terpadu. Jakarta: Airlangga.
Ashany, A. M., & Febianto, I. (2012). The impact of Qardhul Hasan financing using zakah funds on economic empowerment (case study of dompet Dhuafa, West Java, Indonesia). Asian Business Review, 1(1), 15-20.
Asnaeni. (2010). Membangun Zakat Sebagai Upaya Membangun Masyarakat. Jurnal La_Riba. Vol IV, no. 1.
Badan Perencanaan Pembangunan Daerah Kabupaten Banyuwangi. (2013). Laporan Akhir Peran Koperasi dalam Mendukung Pembangunan dan Penguatan UMKM di Kabupaten Banyuwangi.
Badan Pusat Statiktik Kota Pekalongan. (2020). Garis Kemiskinan dan Persentase Penduduk Miskin 2018-2020 Kota Pekalongan. https://pekalongankota.bps.go.id/indicator/23/164/1/garis-kemiskinan-dan-persentase-penduduk-miskin.html
Badudu. (2001). Kamus Umum Bahasa Indonesia. Jakarta: Pustaka sinar harapan.
Burhannudin, M. (2014). Pengaruh Pengelolaan Zakat Produktif Terhadap Perkembangan Usaha Masyarakat Mandiri Club Di Pma Al-Bunyan Bogor. Al-Infaq : Jurnal Ekonomi Islam, Vol. 5 No. 1, 88-129
Didin Hafidhuddin. (1998). Panduan Praktis Tentang Zakat Infak Sedah. Jakarta:Gema Insani, p14, Ed.1
Ferry Khusnul Mubarok, Siti Mujibatun, Ali Murtadho, & Ahmad Furqon. (2020). Optimizing the Use of Zakat, Infaq, and Alms Funds Based on the Empowerment of Pesantren. ICON-ISHIC 2020: Proceedings of the First International Conference on Islamic History and Civilization.
Furqani, H., Mulyany, R., & Yunus, F. (2018). Zakat for Economic Empowerment (Analyzing the Models, Strategy and Implications of Zakat Productive Program in Baitul Mal Aceh and Baznas Indonesia). IQTISHADIA, 11(2). https://doi.org/10.21043/iqtishadia.v11i2.3973
Ghozali, Imam. (2016). Desain Penelitian Kuantitatif dan Kualitatif untuk Akuntansi, Bisnis, dan Ilmu Sosial Lainnya. Semarang: Yoga Pratama
Gunawan Sumihadiningrat. (1997). Pembangunan Daerah Dan Pengembangan Masyarakat. Jakarta: Bina Rena Pariwara. p.165
Hafidhuddin, Didin. (2002). Zakat Dalam Perekonomian Modern. Jakarta: Gema Insani
Haris, A. N., et al. (2018). Kajian Strategi Zakat, Infaq dan shadaqhah dalam Pemberdayaan Umat. Jurnal ekonomi Bisnis syariah Vol. 1 No. 1.
Herwinsyah, Reynold dan Syakira Zahnia. (2017). Analisi Penyaluran Dana Infaq Sebagai Upaya Dalam Meningkatkan Pendapatan Mustahiq (Studi Kasus Baitul Mal Aceh Utara). Jurnal Ekonomi dan Bisnis Vol. 18 No. 2.
Jaidi. (2018). Hasil Wawancara Manajer KSP DMI Kota Pekalongan.
Kasdi, A. (2016). Filantropi Islam Untuk Pemberdayaan Ekonomi Umat (Model Pemberdayaan ZISWAF di BMT Se-Kabupaten Demak). Iqtishadia, Vol. 9 No. 2. 227-245.
Kholid, A. (2012). Pendayagunaan Zakat, Infaq dan Sedekah Untuk Pemberdayaan Ekonomi Masyarakat Miskin Di Kota Semarang. Riptek Vol. 6, No.I, 45-46.
Maulana, M. R., Hidayat, A. R., & Malik, Z. A. (2016). Optimalisasi Pendayagunaan Dana Zakat Produktif dalam Pemberdayaan Mustahik Zakat di PKPU Kota Bandung. Keuangan dan Perbankan Syariah, Gelombang 1 Volume 2, No.1, 126-127.
Mubyarto. (2000). “Membangun Sistem Ekonomi”. Yogyakarta : BPFE
Mursal, M., Ritonga, M., Sartika, F., Lahmi, A., Nurdianto, T., & Alam, L. (2021). The contribution of Amil Zakat, Infaq and Shadaqah Muhammadiyah (LAZISMU) institutions in handling the impact of Covid-19. Journal of Sustainable Finance and Investment.
https://doi.org/10.1080/20430795.2021.1886550
Nasri, M. H dan Munawir A. (2019). Potensi Zakat, Infak, Sedekah (Zis) Dalam Pengembangan Umkm (Usaha Mikro Kecil Menengah) Di Lazismu Kota Parepare. Jurnal Al-Ibrah, Vol. 8 No. 1
Nur, A. R dan Suherman R. (2017). Dampak Pendayagunaan Dana Zakat Produktif Terhadap Keberhasilan Usaha Kecil Menengah Mustahiq (Studi Kasus Lmi Madiun). Jurnal Ekonomi Syariah Teori dan terapan, Vol. 5 No. 3.
Prof.Dr.Ir.Totok Mardikanto, M.S. dan Dr.Ir.H.Poerwoko Soebiato, M.Si. (2015). Pemberdayaan Masyarakat Dalam Perspektif Kebijakan Publik. Bandung:Alfabeta, p. 25.
Oos M. Anwas. Pemberdayaan Masyarakat di Era Global. Bandung: Alfabeta, 2014.
Qardhawi, Y. 2011. Hukum Zakat. Jakarta : PT Pustaka Litera Antar Nusa. Volume II.
Rafdison, M. A dan Nafik M.H.R. (2018). Dampak Penyaluran Infak Untuk Kegiatan Usaha produktif Dalam Penguatan Modal dan Peningkatan Kinerja UMKM. Jurnal Ekonomi Syariah Teori dan Terapan Vol. 5 No. 1.
Rachmawati, I., Jusuf, A. A., Jufri, R. Al, Swastria, J., Supriadi, D., Rahayu, P. K., & Arifin, A. (2020). A Comparative Study on Zakat Management Law Practices between Malaysia and Indonesia. International Journal of Science and Society, 2(2).
Rochayatun, S., & Sayugo, M. Z. (2021). Interpreting Qardhul Hasan Between Business and Islamic Corporate Social Responsibility. Proceedings of the 7th Regional Accounting Conference (KRA 2020), 173. https://doi.org/10.2991/aebmr.k.210416.008
Sallah, C. A., & Caesar, L. D. (2020). Intangible resources and the growth of women businesses: Empirical evidence from an emerging market economy. Journal of Entrepreneurship in Emerging Economies, 12(3). https://doi.org/10.1108/JEEE-05-2019-0070
Santoso, C. B. (2017). Zakah Organization as the Fourth Sector. International Journal of Economics and Finance, 9(12). https://doi.org/10.5539/ijef.v9n12p195
Thee, K. W. (2012). Indonesia’s Economy Since Independence (1st ed.). ISEAS Publishing.
Wibowo, S. A., & Restuningsih, W. (2019). The Effectiveness Of Productive Zakat Funds On The Development Of Micro-Businesses And The Welfare Of Zakat Recipient (Mustahiq) (A Case Study At Rumah Zakat, Dompet Dhuafa, And Lazismu In Yogyakarta City).
Proceedings of the 5th International Conference on Accounting and Finance (ICAF 2019). https://doi.org/10.2991/icaf-19.2019.23
Widyatama, A., Baso, A. S., & Haq, F. (2020). The Other Side of Zakat in Poverty Reduction: A Phenomenology Study. IQTISHADIA, 13(1). https://doi.org/10.21043/iqtishadia.v13i1.5993
DOI: http://dx.doi.org/10.21043/iqtishadia.v14i1.7910
Copyright (c) 2021 IQTISHADIA
Iqtishadia Journal Indexed by :
Iqtishadia : Jurnal Kajian Ekonomi dan Bisnis Islam is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.