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All Journal Tamaddun
Dewi Kumalasari
Instutut Agama Islam Uluwiyah Mojokerto
Religion Humanities Education Social Sciences Other

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ISLAMIC MICROFINANCE, ZAKAT, AND WAQF INTEGRATION: A MODEL FOR SUSTAINABLE COMMUNITY EMPOWERMENT Dewi Kumalasari
Tamaddun Vol. 10 No. 2 (2025): Tamaddun
Publisher : LPPM Universitas Uluwiyah Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47759/q2vwg921

Abstract

Poverty and economic inequality remain major challenges in many Muslim-majority countries, particularly among poor and vulnerable communities. Various Islamic social finance instruments such as Islamic microfinance, zakat, and waqf have significant potential to promote economic empowerment; however, their management is often partial and fragmented. This condition results in impacts that are not yet optimal and lack sustainability. This article aims to propose a conceptual model for integrating Islamic microfinance, zakat, and waqf as a strategy for sustainable community empowerment. The methodology employed consists of a literature review and conceptual analysis of Islamic economic theory and social finance practices. The main findings indicate that the integration of these three instruments can create synergy between social protection, productive financing, and asset sustainability.
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