EFEKTIVITAS PROPORSI PENYALURAN WAKAF UANG TERHADAP PEMBERDAYAAN EKONOMI MASYARAKAT (Studi Kasus KSPPS BMT Assyafi’iyah Kota Gajah)

Abstract

The most prominent issue in this period to be able
to achieve professional waqf management was the
emergence of the idea of cash waqf rolled out by an
economic figure from Bangladesh, Prof. M.A Mannan.
The presence of money endowments in a wider range can
be felt to improve the standard of living of the community
in the economic sector, especially if money endowments
are managed with neat, orderly, and professional
management along with the quality of the managers
This study aims to determine the proportion of money waqf
distribution to community economic empowerment so that
it can be said to be effective and the purpose of waqf can
be achieved. This research is a field research conducted
intensively, in detail, and in depth at the Baitul Maal wa
Tamwil Sharia Savings and Loans Cooperative (KSPPS
BMT) Assyafi'iyah Kotagajah. This study used interview
and documentation data collection techniques. Interviews
were conducted with Baitul Maal Assyafi'iyah leaders and
members who received the distribution of waqf money.
While the documentation is taken from the archives of
Baitul Maal Assyafi'iyah Kotagajah related to research. All
these data are analyzed deductively.
Based on the results of the study, the large proportion in
distributing waqf assets is 40% stored in the form of time
deposits and 60% distributed to members as micro
business capital. The micro business capital is channeled
through two contracts, namely mudharabah financing and
qardhul hasan loans. With a proportion of 60%, in fact, it
has been able to help the members' economies and is
effective in empowering the community's economy. This
is evident from the tangible results that have been produced
by members receiving waqf money assets as their micro
business capital