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All Journal Journal of Islamic Economic Development Jurnal Wawasan Nusantara
Sirojudin Akhmad
Sekolah Tinggi Ilmu Ekonomi Syariah KHAS Al Jaelani, Indonesia
Economics, Econometrics & Finance

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The Role Of Kempek Micro Waqf Bank In Empowering Pesantren-Based Micro Businesses Najhah Barnamij; Mubarok Fatahillah; Sigit Nurhendi; Sirojudin Akhmad; Ni’amillah Aqiel Siroj
Journal of Islamic Economic Development Vol. 2 No. 1 (2024): Journal of Islamic Economic Development
Publisher : P3M - STAI Kuningan

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Bank Wakaf Mikro (BWM), established by OJK and the government, is a strategic step in empowering the economy of communities around Islamic boarding schools. With a group model, simple procedures, and ongoing assistance, BWM plays a role in reducing poverty, providing access to capital without collateral, and countering loan sharking practices. This research, which uses an exploratory qualitative approach, examines community economic empowerment through the implementation of BWM KHAS Kempek. The results show that the BWM CSR grant management mechanism involves: (a) sources of funds from individual and corporate donors, (b) a loan distribution system with intensive mentoring, and (c) locking some of the grant funds in the form of deposits for sustainability. The Akad used includes a grant contract, al-qardh contract, and ju'âlah contract. Pesantren-based micro business empowerment is realized through increasing the number of customers, optimizing business potential, and financial and spiritual assistance through the Weekly Halaqoh (HALMI). This finding confirms the role of pesantren as economic and social drivers of the community. Practically, this research provides insights for policy makers, Islamic financial institutions, and pesantren managers in developing a sustainable and community-based microfinance model. With this approach, it is expected that BWM can further improve the welfare of the community around the pesantren and become an effective model of financial inclusion.
Qana'ah vs. FOMO: Reactualization of Sufi Ethics in Countering Consumerist Behavior Among Muslim Generation Z in the Digital Economy Era Sirojudin Akhmad
Jurnal Wawasan Nusantara, Scope Pendidikan Vol. 3 No. 1 (2026): Jurnal Wawasan Nusantara
Publisher : Institut Islam Kuningan

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The development of the digital economy has created an increasingly intensive consumer environment for Muslim Generation Z through social media, social commerce, algorithmic promotions, flash sales, and convenient digital payment systems. These conditions may trigger Fear of Missing Out (FOMO), encouraging consumerist behavior while generating psychological and spiritual tension. This study aims to analyze the role of qana'ah and tazkiyat al-nafs within Sufi ethics as mechanisms for regulating consumerist behavior among Muslim Generation Z in the digital economy era. The study employed an interpretive qualitative approach with a case study design. Data were collected through semi-structured interviews with 15 informants, non-participant digital observations, and document analysis, followed by reflexive thematic analysis supported by NVivo. The findings revealed five interconnected themes: digital impulse triggers, psycho-spiritual dissonance, the reinterpretation of qana'ah, tazkiyat al-nafs as a self-regulation mechanism, and ecosystems for spiritual resilience. The findings demonstrate that qana'ah should not be understood as passive resignation or rejection of economic development, but as an active capacity to regulate desires, distinguish needs from wants, and detach personal worth from material ownership. Practices such as muraqabah, cooling-off periods before purchasing, gratitude journaling, and redirecting impulsive spending toward infaq also function as practical self-regulation strategies. Therefore, the reactualization of Sufi ethics is relevant for strengthening spiritual resilience and fostering more conscious consumption behavior amid the pressures of the digital economy.
Co-Authors Mubarok Fatahillah Najhah Barnamij Ni’amillah Aqiel Siroj Sigit Nurhendi