Optimalisasi Wakaf sebagai Instrumen Pembiayaan UMKM untuk Pengembangan Industri Halal The Optimization of Waqf as a MSME Financing Instrument for the Halal Industry Development

Article Sidebar

PDF
Issue
Vol. 14 No. 2 (2021): Jurnal Bimas Islam 2021
Published: Dec 31, 2021
Keywords:
wakaf,
pembiayaan,
UMKM,
industri halal waqf,
financing,
MSME,
halal industry

Main Article Content

Ade Nur Rohim
a:1:{s:5:"en_US";s:48:"Universitas Pembangunan Nasional Veteran Jakarta";}

Abstract

Capital is still a major problem faced by MSMEs, especially in this pandemic era. As one of the Islamic financial instruments, waqf can contribute directly to developing MSMEs through financing schemes aimed at the welfare of the people. This article aims to elaborate and explore the optimization of waqf as an alternative financing instrument for MSMEs that is in accordance with sharia and halal principles. From the elaboration of concepts and characteristics possessed, both by UMKM and waqf, it is concluded that endowments and MSMEs have a very close relationship in the effort to realize community welfare. Optimization of waqf as a financing instrument for SMEs is carried out while still referring to the halal business undertaken, as well as contracts (‘aqd) that are in accordance with sharia principles in the distribution of waqf. Thus, the development of waqf optimization through financing schemes and their utilization will have direct implications on the development of the halal industry, which aims to realize the welfare of the community.

Downloads

Download data is not yet available.

Article Details

How to Cite
Rohim, Ade Nur. “Optimalisasi Wakaf Sebagai Instrumen Pembiayaan UMKM Untuk Pengembangan Industri Halal : The Optimization of Waqf As a MSME Financing Instrument for the Halal Industry Development”. Jurnal Bimas Islam 14, no. 2 (December 31, 2021): 311–344. Accessed December 22, 2024. https://jurnalbimasislam.kemenag.go.id/jbi/article/view/427.
Section
Articles
Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Authors who publish with this journal agree to the following terms:

  1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
  2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
  3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).

References

Ahmed, Umar, Omar M. Mustafa, and Ahamad Faosiy Ogunbado. “Examining the Traditional Waqf-Based Financing Methods and Their Implications on Socio-Economic Development.” IOSR Journal of Business and Management (IOSR-JBM) 17, no. 2 (2015): 119–25. https://doi.org/10.9790/487X-17210106.

Aliasar, Afdhal. “Membangun Ketahanan Ekonomi Umat Melalui Industri Halal Industri Halal Indonesia Industri Halal Indonesia.” Jakarta, 2020.

Aprianto, Naerul Edwin Kiky. “Kontruksi Sistem Jaminan Sosial Dalam Perspektif Ekonomi Islam.” Economica: Jurnal Ekonomi Islam 8, no. 2 (2017): 237. https://doi.org/10.21580/economica.2017.8.2.1334.

Bank Indonesia, and Unair. Wakaf: Pengaturan Dan Tata Kelola Yang Efektif. Seri Ekonomi Dan Keuangan Syariah. Jakarta: Departemen Ekonomi dan Keuangan Syariah, Bank Indonesia, 2016.

BI, Departemen Ekonomi dan Keuangan Syariah. Usaha Mikro Islami. Jakarta: Bank Indonesia, 2016.

BPS. Potensi Peningkatan Kinerja Usaha Mikro Kecil. Jakarta: Badan Pusat Statistik, 2019.

CresentRating. “Global Muslim Travel Index 2019,” 2019.

“Data Populasi Penduduk Muslim 2020: Indonesia Terbesar Di Dunia.” IBTimes.ID. 2020. https://ibtimes.id/data-populasi-penduduk-muslim-2020-indonesia-terbesar-di-dunia/#:~:text=Indonesia%3A Negara dengan Populasi Muslim,yang berjumlah 263 juta jiwa.

DinarStandard. “State of The Global Islamic Economy Report 2019/20.” Dubai, 2019.

Fuadi, Nasrul Fahmi Zaki. “Wakaf Sebagai Instrumen Ekonomi Pembangunan Islam.” Economica: Jurnal Ekonomi Islam 9, no. 1 (2018): 151. https://doi.org/10.21580/economica.2018.9.1.2711.

Furqon, Ahmad. “Model-Model Pembiayaan Wakaf Tanah Produktif.” Economica: Jurnal Ekonomi Islam 5, no. 1 (2016): 1. https://doi.org/10.21580/economica.2014.5.1.760.

Hadyantari, Faizatu Almas. “Pemberdayaan Wakaf Produktif : Upaya Strategis Untuk Kesejahteraan Ekonomi Masyarakat.” Jurnal Middle East and Islamic Studies 5, no. 1 (2018).

Hudaefi, Fahmi Ali, and Irwandi Jaswir. “Halal Governance in Indonesia: Theory, Current Practices, and Related Issues.” Journal of Islamic Monetary Economics and Finance 5, no. 1 (2019): 89–116. https://doi.org/10.21098/jimf.v5i1.1049.

Ibrahim Ahmed Khalil, Yunus Ali, and Mohammad Shaiban. “Waqf Fund Management in Kuwait And Egypt: Can Malaysia Learns from Their Experiences.” In International Conference on Masjid, Zakat and Waqf (IMAF 2014), 69–83, 2014. http://www.kuis.edu.my/i-maf2014/eproceedings/wakaf/W07 Ibrahim Khalil Waqaf 69-83.pdf.

Ismail, Abdul Ghafar, and Mohd Ali Mohd Noor. “Halal Finance and Halal Foods: Are They Falling Apart ?” Economica 12, no. 3 (2013): 113–26.

Jaffar, Mariatul Aida, and Rosidah Musa. “Determinants of Attitude towards Islamic Financing among Halal-Certified Micro and SMEs: A Preliminary Investigation.” Procedia - Social and Behavioral Sciences 130 (2014): 135–44. https://doi.org/10.1016/j.sbspro.2014.04.017.

Jamal, Ahmad Muhammad Abdul Azim al. Daur Nizam Al Waqf Al Islamiy Fi at Tanmiyah Al Iqtishadiyyah Al Mu’ashirah. Kairo: Daar al Salam, 2007.

Kemenag. “Data Tanah Wakaf.” Sistem Informasi Wakaf, 2020. http://siwak.kemenag.go.id/.

Kemenkop UKM. “Perkembangan Data UMKM Dan UB Tahun 2017-2018,” 2019. http://www.depkop.go.id/data-umkm.

Kementerian PPN/ Bappenas. “Indonesia Islamic Economic Masterplan 2019-2024.” Jakarta, 2019.

Medias, Fahmi. “Wakaf Produktif Dalam Perspektif Ekonomi Islam.” La_Riba 4, no. 1 (2010): 71–86. https://doi.org/10.20885/lariba.vol4.iss1.art5.

Nizar, Muhammad Afdi. “Munich Personal RePEc Archive Development of Productive Waqf in Indonesia: Potential and Problems.” Munich Personal RePEc Archive, no. 97967 (2017). https://mpra.ub.uni-muenchen.de/id/eprint/97967.

Nurdianto, Alfian Bayu. “Optimalisasi Wakaf Untuk Inkubator Bisnis Dan Teknologi Usaha Mikro Kecil Menengah (UMKM) Di Sidoarjo.” Istismar: Jurnal Ekonomi Syariah 1, no. Januari (2019): 43–49.

“Potensi Aset Wakaf Capai Rp 2.000 Triliun per Tahun.” Republika. September 2019. https://www.republika.co.id/berita/dunia-islam/wakaf/19/09/30/pymexa383-bwi-potensi-aset-wakaf-capai-rp-2000-triliun-per-tahun.

Qoyum, Abdul, and Neneng Ela Fauziyyah. “The Halal Aspect and Islamic Financing Among Micro, Small, and Medium Enterprises (MSMEs) in Yogyakarta: Does Berkah Matter?” Journal of Islamic Monetary Economics and Finance 5, no. 1 (2019): 215–36. https://doi.org/10.21098/jimf.v5i1.1055.

Rauf, Imam Abdur. Kitab Taysir Al Wuquf. 1st ed. Riyadh: Maktabah Nizar Mustafa al Baz, 1998.

Sabiq, Sayyid. Fiqih Sunnah. Jakarta: Pena Pundi Aksara, 2009.

Sabirin, Sabirin, and Dini Ayuning Sukimin. “Islamic Micro Finance Melati: Sebuah Upaya Penguatan Permodalan Bagi Pedagang Pasar Tradisional.” Economica: Jurnal Ekonomi Islam 8, no. 1 (2017): 27. https://doi.org/10.21580/economica.2017.8.1.1824.

Shabana, Hasan. “Role of Waqf in Enhancing Muslim Small and Medium Enterprises (SMEs) in Singapore.” In 8th International Conference on Islamic Economics and Finance, 1–50. Qatar: Qatar Foundation, 2011.

Syamsuri, Syamsuddin Arif, Alfarid Fedro, Vina Fithriana Wibisono, Veithzal Rivai, Iwan Kurniawan Subagja, and Salim Basalamah. “Existence of Waqf in Enhancing of Indonesia Financial Stability.” East African Journal of Economics, Business, and Management 4464, no. 12 (2019): 744–53.

Traore, Ibrahima, Zunaidah Sulong, and Aminata Doukoure. “Conceptual Review for Cash Waqf Using Mudharabah Approach for Developing Public Employment Opportunity.” J Halal Ind Serv 1, no. 1 (2018).

Waharini, Faqiatul Mariya, and Anissa Hakim Purwantini. “Model Pengembangan Industri Halal Food Di Indonesia.” Muqtasid: Jurnal Ekonomi Dan Perbankan Syariah 9, no. 1 (2018): 1. https://doi.org/10.18326/muqtasid.v9i1.1-13.

Wahyudi, Dicky, Peny Cahaya Azwari, Achmad Alfajr, and Sandra Dhita Septiani. “Sinergitas Organisasi Publik Dengan Mengimplementasikan Sukuk Wakaf Melalui Pembentukan Halal Center Industry.” In Simposium Nasional Keuangan Negara, 718–43. Jakarta: Badan Pendidikan dan Pelatihan Keuangan, Kemenkeu, 2018.

Yuli, Sri Budi Cantika. “Optimalisasi Peran Wakaf Dalam Pemberdayaan Usaha Mikro, Kecil Dan Menengah (Umkm).” Journal of Innovation in Business and Economics 6, no. 1 (2015): 1. https://doi.org/10.22219/jibe.vol6.no1.1-16.