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All Journal Jurnal Ilmu Ekonomi dan Bisnis Islam Jurnal Kebijakan Ekonomi dan Keuangan
Makhrus
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Economics, Econometrics & Finance Social Sciences

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Waqf and Microfinance Integration Strategy In Improving Welfare Through Community Economic Empowerment Siti Darajatun; Makhrus
Jurnal Ilmu Ekonomi dan Bisnis Islam Vol 7 No 1 (2025)
Publisher : Program Studi Ekonomi Syariah, FEBI UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jiebi.v7i1.359.75-90

Abstract

Poverty and economic inequality remain persistent challenges in Indonesia, particularly in underdeveloped regions. Although waqf and microfinance have individually contributed to poverty alleviation, limited studies have examined their integrated application for sustainable community empowerment. This study addresses that gap by investigating how the Al-Qur’an Waqf Agency (BWA) and the Micro Waqf Bank (BWM) integrate waqf and microfinance to improve community welfare. The objective is to analyze the strategies, outcomes, and sustainability of their programs in supporting micro and small enterprises. Using a qualitative field research method, data were collected through purposive sampling and in-depth interviews with institutional stakeholders and beneficiaries. Inductive analysis was employed to identify key themes and patterns. The findings indicate that the integration of waqf and microfinance enhances access to capital, improves financial literacy, and strengthens microenterprises, particularly in remote areas. Offline initiatives such as da’wah campaigns are complemented by digital platforms, significantly expanding outreach and public engagement. The study concludes that combining Islamic philanthropy and microfinance offers an effective model for inclusive and sustainable economic development. The implications highlight the need to strengthen digital infrastructure, enhance financial education, and foster multi-stakeholder collaboration. This research contributes to policy formulation and practical strategies for leveraging Islamic social finance to address structural poverty and build resilient local economies.
Peningkatan dana ZISKA melalui digital fundraising oleh organisasi pengelola zakat di Kabupaten Banyumas Yasifah, N. Al Ngizati Ngama; Makhrus
Jurnal Kebijakan Ekonomi dan Keuangan Volume 3 Issue 1, Juni 2024
Publisher : Jurusan Ilmu Ekonomi, Fakultas Bisnis dan Ekonomika, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JKEK.vol3.iss1.art6

Abstract

Purpose – This study aims to examine digital fundraising in increasing ZISKA fundraising by zakat management organizations in Banyumas Regency. Methods – The method used in this study is descriptive qualitative with field research type. The objects of this study are BAZNAS, LAZISMU and LAZISNU. Findings – The results of this study indicate that digital fundraising used is with digital and non-digital access such as websites, applications, social media while in non-digital zakat pickup, conventional, donation pickup are aspects of increasing ZISKA fundraising. Implication – The zakat management unit conducts socialization and practice to the community so that it has more impact. Originality – This study contributes to providing knowledge for the community in carrying out ZISKA activities.   Abstrak Tujuan – Penelitian ini bertujuan untuk mengkaji digital fundraising dalam meningkatkan pengumpulan dana ZISKA oleh organisasi pengelola zakat di Kabupaten Banyumas. Metode – Metode yang digunakan dalam penelitian ini adalah kualitatif deskriptif dengan jenis penelitian lapangan. Objek penelitian ini adalah BAZNAS, LAZISMU dan LAZISNU. Temuan – Hasil penelitian ini menunjukkan bahwa digital fundraising yang digunakan yakni dengan akses secara digital maupun non digital seperti website, aplikasi, media sosial sedangkan pada non digital jemput zakat, konvensional, jemput donasi menjadi aspek peningkatan pengumpulan dana ZISKA. Implikasi – Unit pengelola zakat melakukan sosialisasi dan praktik kepada masyarakat agar lebih berdampak. Orisinalitas – Penelitian ini berkontribusi untuk memberikan pengetahuan bagi masyarakat dalam melakukan kegiatan ZISKA.  
Co-Authors Siti Darajatun Yasifah, N. Al Ngizati Ngama