Strategi LAZNAS Al-Azhar dan Peran KSM Binaannya dalam Memberdayakan Pelaku Usaha Mikro

Muhammad Khaerul Muttaqien

doi:10.24853/ma.3.1.51-64

Strategi LAZNAS Al-Azhar dan Peran KSM Binaannya dalam Memberdayakan Pelaku Usaha Mikro

Muhammad Khaerul Muttaqien

Abstract

ABSTRAK

Tidak seperti keuangan komersial pada umumnya, keuangan sosial syariah mengacu pada penyediaan layanan keuangan bagi individu yang rentan mencapai kesejahteraan sosial ekonomi. Tujuan dari penelitian ini untuk mengetahui strategi LAZNAS Al-Azhar dalam mendayagunakan dana zakat, infak, sedekah, CSR dan dana sosial lain kepada pelaku usaha mikro di Desa Jampang, Kecamatan Kemang Kabupaten Bogor, Jawa Barat. Penelitian ini menggunakan pendekatan kualitatif dalam pengumpulan data dan analisis. Penelitian ini menemukan bahwa strategi yang digunakan LAZNAS Al-Azhar dalam mendayagunakan dana zakat, infak, sedekah dan dana sosial lain, menggunakan pendekatan pemberdayaan dan menyediakan lembaga keuangan lokal bagi pelaku usaha mikro yang membutuhkan bantuan modal. Salah satu institusi keuangan lokal binaan LAZNAS Al-Azhar yang terbilang sukses dalam memberdayakan pelaku usaha mikro adalah Kelompok Swadaya Masyarakat (KSM) Pelita Jampang Gemilang. Dengan layanan keuangan mikro yang diberikan KSM Pelita Jampang Gemilang, pelaku usaha mikro di Desa Jampang, Kecamatan Kemang Kabupaten Bogor, Jawa Barat dapat mengembangkan usahanya menjadi lebih baik. Selain itu dengan pendampingan yang diberikan KSM, wawasan keislaman, kemampuan pengelolaan keuangan mereka menjadi lebih baik dari sebelumnya.

Kata Kunci: Keuangan Sosial Syariah, Lembaga Amil Zakat, Keuangan Mikro Syariah

ABSTRACT

Unlike commercial finance in general, Islamic social finance refers to providing financial services for individuals who are vulnerable to achieving socio-economic well-being. The purpose of this study was to determine LAZNAS Al-Azhar's strategy in making use of zakat, infaq, alms, CSR and other social funds to micro businesses in Jampang Village, Kemang District, Bogor Regency, West Java. This study uses a qualitative approach in data collection and analysis. This study found that the strategy used by LAZNAS Al-Azhar in utilizing zakat, infaq, alms and other social funds, used an empowerment approach and provided local financial institutions for micro businesses that needed capital assistance. One of LAZNAS Al-Azhar's local financial institutions which is considered successful in empowering micro businesses is the Pelita Jampang Gemilang Community Self-Help Group (KSM). With the microfinance services provided by KSM Pelita Jampang Gemilang, micro businesses in Jampang Village, Kemang District, Bogor Regency, West Java can develop their businesses better. In addition, with the assistance provided by KSM, Islamic insights, their financial management skills are better than before.

Keywords: Islamic Social Finance, Amil Zakat Institutions, Islamic Microfinance

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References

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DOI: https://doi.org/10.24853/ma.3.1.51-64