PERANAN BANK WAKAF MIKRO DALAM PROGRAM PEMBERDAYAAN EKONOMI UMAT DI LINGKUNGAN PONDOK PESANTREN (Studi Kasus Bank Wakaf Mikro (BWM) Pondok Pesantren Minhadlul Ulum Pesawaran)

MUHAMMAD, HAMZAH SAPUTRA (2023) PERANAN BANK WAKAF MIKRO DALAM PROGRAM PEMBERDAYAAN EKONOMI UMAT DI LINGKUNGAN PONDOK PESANTREN (Studi Kasus Bank Wakaf Mikro (BWM) Pondok Pesantren Minhadlul Ulum Pesawaran). Diploma thesis, UIN RADEN INTAN LAMPUNG.

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Abstract

ABSTRAK Bank Wakaf Mikro ialah lembaga yang didirikan untuk mengatasi permasalahan kemiskinan melalui pemberdayaan ekonomi umat dengan menjalankan fungsi pendampingan. Program ini diharapkan dapat menjadi solusi dalam penyediaan modal bagi masyarakat yang belum terhubung dengan lembaga keuangan formal khususnya di lingkungan pesantren. BWM tidak diperkenankan mengambil simpanan dari masyarakat (non-deposit taking) karena memiliki fokus pemberdayaan masyarakat melalui pembiayaan disertai pendampingan usaha. Rumusan masalah pada penelitian ini yaitu (1) Bagaimana pemberdayaan ekonomi umat di lingkungan pondok pesantren yang dilakukan oleh BWM Minhadlul Ulum Pesawaran? (2) Bagaimana dampak ekonomi yang dirasakan oleh masyarakat di lingkungan pesantren dari program pemberdayaan ekonomi umat yang dilakukan oleh BWM Minhadlul Ulum Pesawaran? Penelitian ini merupakan penelitian lapangan dengan menggunakan metode penelitian kualitatif yang mana menggunakan data primer dan data sekunder. Pengumpulan data primer dalam penelitian ini dilakukan dengan wawancara, observasi, dan dokumentasi. Sedagkan data sekunder diperoleh dari jurnal, penelitian terdahulu dan perpustakaan. Setelah data penelitian terkumpul selanjutnya dilakukan analisis menggunakan metode deskriptif kualitatif. Penelitian ini menunjukkan bahwa BWM Minadlul Ulum telah menjadi penunjang dalam upaya pemberdayaan ekonomi umat di sekitar pondok pesantren. Hal itu ditandai dengan terciptanya permodalan mikro untuk masyarakat di sekitar pondok pesantren, menanggulangi rentenir, serta menciptakan kondisi masyarakat dan pondok pesantren yang harmonis. Masyarakat di sekitar pondok pesantren pun sudah merasakan secara langsung dampak ekonomi yang ditumbulkan dengan adanya pembiayaan yang diberikan oleh BWM. Hal itu dikarenakan pembiayaan diberikan tanpa agunan dan BWM pun tidak mengambil keutungan sama sekali. Serta pelunasannya bisa dicicil selama 50 kali dan dibayarkan setiap minggu ketika kegiatan halmi. Kata Kunci : Bank Wakaf Mikro, Pemberdayaan iv ABSTRACT Micro Waqf Bank is an institution established to overcome the problem of poverty through economic empowerment of the people by carrying out a mentoring function. It is hoped that this program can be a solution in providing capital for people who are not yet connected to formal financial institutions, especially in the Islamic boarding school environment. BWM is not permitted to take deposits from the community (non-deposit taking) because it focuses on community empowerment through financing accompanied by business assistance. The formulation of the problem in this research is (1) How is the economic empowerment of the community in the Islamic boarding school environment carried out by BWM Minhadlul Ulum Pesawaran? (2) What is the economic impact felt by the community in the Islamic boarding school environment from the community economic empowerment program carried out by BWM Minhadlul Ulum Pesawaran? This research is a field research using qualitative research methods. Sources of data in this study are divided into two, namely primary data and secondary data. Primary data collection in this study was carried out by means of interviews, observation, and documentation. While secondary data obtained from journals, previous research and libraries. After the research data was collected, it was then analyzed using a qualitative descriptive method. This research shows that BWM Minadlul Ulum has become a support in efforts to empower the economy of the community around the Islamic boarding school. This is characterized by creating micro capital for communities around Islamic boarding schools, tackling loan sharks, and creating harmonious conditions for communities and Islamic boarding schools. The community around the Islamic boarding school has also felt directly the economic impact caused by the financing provided by BWM. This is because financing is provided without collateral and BWM does not take any profits at all. And the repayment can be paid in 50 installments and paid every week when the activity ends. Keywords: Micro Waqf Bank, Empowerment

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