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All Journal Indonesian Journal of Social Research (IJSR) Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah
Trihastuti, Aselina Endang
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Religion Humanities Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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Designing Six Models of Indonesian Waqf Bank Organizational Structures for Developing Islamic Finance Pangestu, Raden Ali; Trihastuti, Aselina Endang; Sitasari, Ita; Hamidiyah, Emmy; Mohd Saufi, Mohd Shahid Azim; Mohammedi, Ssonko; Fauzi, Muhamad
Indonesian Journal of Social Research (IJSR) Vol 7 No 1 (2025): Indonesian Journal of Social Research (IJSR)
Publisher : Universitas Djuanda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/ijsr.v7i1.547

Abstract

The discussion of waqf has become a trend among academics and practitioners of Islamic economics in Indonesia in the last decade with waqf regulations and great potential. Cash waqf as a productive waqf has great potential to develop long-term Islamic financial investment for the establishment of future waqf banks. A critical issue in the establishment of waqf banks is through academic discussions and debates on how to design the ideal waqf bank organizational structure in Indonesia. Previous research on waqf banks was dominated by regulations, cash waqf, asset waqf and waqf literacy. The research aims to offer a model of the organizational structure of waqf banks in Indonesia in the future. A qualitative method with a grounded theory approach is the ideal conception of a waqf bank. The data was sourced from interviews with micro waqf bank practitioners in Banten province and data analysis with design thinking because it excels in understanding user problems. The study found six models of the ideal organizational structure applied by waqf banks in Indonesia, namely the ad-hoc committee of establishment, form of ownership, shareholders, managers, implementers, deposit guarantee institutions, auditors, and human resource recruitment standards. The research implies that the ideal application of the organizational structure of waqf banks in Indonesia in developing long-term Islamic finance will achieve the principles of sharia, legitimacy and efficiency. Research is conceptually limited and needs to be developed and tested using quantification as a consideration for the establishment of waqf banks in Indonesia.
Analysis of Vicious Circle of Poverty, the Social Role of Micro Waqf Bank, and Permissiveness of Street Vendors in Rural Indonesia Dahlan, Rahmat; Trihastuti, Aselina Endang; Pangestu, Raden Ali; Sitasari, Ita; Syaiin, Emmy Hamidiyah; Fauzi, Muhamad
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 1 (2025)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v11i1.5728

Abstract

Purpose: This study examines the social function of micro waqf banks and the permissive attitude of street vendors in breaking the cycle of poverty in rural areas.Design/Methodology: The study employs a qualitative method with a descriptive approach, using a purposive sample of 100 consumers from Bita Amanah Ummat Micro Waqf Bank in Garut Regency, West Java. Data were collected through interviews with two consumer group leaders, observations, and literature reviews. The collected data were then analysed using source triangulation.Findings: The findings reveal eight dimensions of the vicious cycle of poverty, identified through interview and field observations. The social role of micro-waqf institutions helps street vendors develop a more optimistic outlook on poverty. The data indicate that education (64%) is the most frequently mentioned concern, followed by social participation (76%), culture (59%), employment (52%), marital relationships (48%), health (35%), justice (21%), and housing (19%). The primary challenge faced by micro waqf bank customers in breaking the poverty cycle includes inadequate capital, low productivity, insufficient income, weak demand, and lack of investment.Practical implications: The study highlights the necessity of multi-faceted approach to poverty alleviation, with education as a key intervention. Addressing poverty effectively requires an integrated strategy that combines education, employment, social support, and policy reform to foster sustainable change.Originality/Value : The study integrates aspects of education, health, justice, employment, culture, housing, partnerships, and social participation as fundamental elements in breaking the vicious cycle of poverty among micro waqf bank customers.
Co-Authors Hamidiyah, Emmy Mohammedi, Ssonko Mohd Saufi, Mohd Shahid Azim Muhamad Fauzi Pangestu, Raden Ali Rahmat Dahlan Sitasari, Ita Syaiin, Emmy Hamidiyah