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Abstract
The economic disparity caused by the accumulation of wealth in the hands of a group of people can lead to destructive attitudes within a society. Therefore, distribution plays an important role in addressing economic inequality in society. As stated in verse 7 of QS. Al-Hashr, wealth should not circulate only among the rich, as this widens the gap between the rich and poor. Hence, the objective of this research is to analyze the equal distribution of wealth through the instrument of waqf (cash endowment). This is a qualitative study that employs a literature review method, using references from related journals, data from BPS, and some relevant links. The method of interpretation used is maudhu’i interpretation, while hermeneutics is used to understand the meaning of each word contained in the verses being studied. The results of this research indicate that the application of one of the distribution instruments taught by Islam, namely waqf, particularly in the form of cash endowment, is beginning to show results. One example is the presence of Micro Waqf Bank which has been able to improve economic welfare through small and micro businesses. The business model of Bank Wakaf Mikro in eradicating poverty can be summarized in several points, namely: (1) providing financing and mentoring (2) non-deposit taking (3) group-based (4) low-profit sharing, equivalent to 3% (5) without collateral.
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Copyright (c) 2019 Camelia Rizka Maulida Syukur
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References
Abdusshamad, S. (2015). Ayat tentang Distribusi Serta Relasi Kaum kaya dan Miskin. 61–81.
Ahmad, O. :, & Sakni, S. (2013). Konsep Ekonomi Islam Dalam Mengentaskan Kesenjangan Sosial : Studi atas Wacana Filantropi Islam dalam Syari’at Wakaf. Jurnal.Radenfatah.Ac.Id, 14(1), 151–166. Retrieved from http://jurnal.radenfatah.ac.id/index.php/JIA/article/download/466/416
Aprianto, N. E. K. (2016). Kebijakan distribusi dalam pembangunan ekonomi Islam. Al-amwal: Jurnal Kajian Ekonomi Dan Perbankan Syari’ah, 8(2), 491–508. https://doi.org/10.24235/amwal.v8i2.990
Asmak Ab Rahman. (2009). Peranan wakaf dalam pembangunan ekonomi umat Islam dan implikasinya di Malaysia. Shariah Journal, 17(1), 113–152.
Bank Indonesia. (2016a). Seri ekonomi dan keuangan syariah: Usaha Mikro Islam. Jakarta: Departemen Ekonomi dan Keuangan Syariah - Bank Indonesia.
Bank Indonesia. (2016b). Wakaf: Pengaturan dan Tata Kelola yang Efektif. Jakarta: Departemen Ekonomi dan Keuangan Syariah - Bank Indonesia.
Cantika, S. B. (2017). Optimalisasi Peran Wakaf Dalam Pemberdayaan Usaha Mikro, Kecil Dan Menengah (Umkm). Journal of Innovation in Business and Economics, 6(1), 1–16. https://doi.org/10.22219/jibe.vol6.no1.1-16
Fanani, M. (2011). Pengelolaan Wakaf Tunai. Walisongo, 19(1), 179–196.
Faujiah, A. (2018). Bank Wakaf Mikro Dan Pengaruhnya Terhadap Inklusi Keuangan Pelaku Usaha Kecil Dan Mikro. (April), 380.
Fikri, A. L. R. (2018). Konsep pengelolaan koperasi pesantren untuk kesejahteraan ekonomi masyarakat: telaah surah. 9(2), 131–150.
Harahap, I. (2015). Hadis-Hadis Ekonomi. Depok: Kencana.
Hidayat, T. (2017). Konsep Pendistribusian Kekayaan Menurut Al- Qur ’ an. AL-FALAH: Journal of Islamic Economics, 2(1), 17.
Huda, N., Anggraini, D., Rini, N., Hudori, K., & Mardoni, Y. (2018). Akuntabilitas sebagai Sebuah Solusi Pengelolaan Wakaf. Jurnal Akuntansi Multiparadigma, 5(3), 485–497. https://doi.org/10.18202/jamal.2014.12.5036
Idri. (2017). Hadis Ekonomi dalam Perspektif Hadis Nabi. Depok: Kencana.
Madnasir. (2010). Distribusi dalam islam. ASAS, 2(1), 34–44.
Maspupah, I., & Hasanah, S. M. (2016). Penguatan Filantropi Islam melalui Optimalisasi Wakaf Berbasis Sukuk. Journal of Islamic Economics Lariba, 2(2), 25–38.
Medias, F. (2017). Bank Wakaf: Solusi Pemberdayaan Sosial Ekonomi Indonesia. Indonesian Journal of Islamic Literature and Muslim Society, 2(1), 61–84. https://doi.org/10.22515/islimus.v2i1.749
Muhtar, A. (2015). Potensi Wakaf Menjadi Lembaga Keuangan Publik. Asy-Syari’ah, 17(1), 9–18. https://doi.org/https://doi.org/10.15575/as.v17i1
Noor, R. A. G. (2015). Kebijakan Distribusi Ekonomi Islam dalam Membangun Keadilan Ekonomi Indonesia. ISLAMICA: Jurnal Studi Keislaman, 6(2), 316–328. https://doi.org/10.15642/islamica.2012.6.2.316-328
Nurma, N. (2013). Investasi Dana Wakaf. Khatulistiwa, 3(2), 11–18. Retrieved from http://jurnaliainpontianak.or.id/index.php/khatulistiwa/article/view/209
Otoritas Jasa Keuangan. (2019). OJK Keluarkan Izin 41 Bank Wakaf Mikro. In https://www.ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Siaran-Pers-OJK-Keluarkan-Izin-41-Bank-Wakaf-Mikro.aspx.
Rahman, A. (1995). Doktrin Ekonomi Islam Jilid II. Yogyakarta: PT. Dana Bhakti Wakaf.
Suud Maadi, A. (2018). Instrumen Bank Wakaf Mikro: Alternatif Pemberdayaan Ekonomi Pesantren. 2nd Proceedings Annual Conference for Muslim Scholars, (April), 449–454. Retrieved from http://proceedings.kopertais4.or.id/index.php/ancoms/article/view/148/148
Syafiq, A. (2014). Wakaf tunai untuk pemberdayaan usaha kecil. Journal Ziswaf, 1(2), 404–428. https://doi.org/http://dx.doi.org/10.21043/ziswaf.v1i2.1493
References
Abdusshamad, S. (2015). Ayat tentang Distribusi Serta Relasi Kaum kaya dan Miskin. 61–81.
Ahmad, O. :, & Sakni, S. (2013). Konsep Ekonomi Islam Dalam Mengentaskan Kesenjangan Sosial : Studi atas Wacana Filantropi Islam dalam Syari’at Wakaf. Jurnal.Radenfatah.Ac.Id, 14(1), 151–166. Retrieved from http://jurnal.radenfatah.ac.id/index.php/JIA/article/download/466/416
Aprianto, N. E. K. (2016). Kebijakan distribusi dalam pembangunan ekonomi Islam. Al-amwal: Jurnal Kajian Ekonomi Dan Perbankan Syari’ah, 8(2), 491–508. https://doi.org/10.24235/amwal.v8i2.990
Asmak Ab Rahman. (2009). Peranan wakaf dalam pembangunan ekonomi umat Islam dan implikasinya di Malaysia. Shariah Journal, 17(1), 113–152.
Bank Indonesia. (2016a). Seri ekonomi dan keuangan syariah: Usaha Mikro Islam. Jakarta: Departemen Ekonomi dan Keuangan Syariah - Bank Indonesia.
Bank Indonesia. (2016b). Wakaf: Pengaturan dan Tata Kelola yang Efektif. Jakarta: Departemen Ekonomi dan Keuangan Syariah - Bank Indonesia.
Cantika, S. B. (2017). Optimalisasi Peran Wakaf Dalam Pemberdayaan Usaha Mikro, Kecil Dan Menengah (Umkm). Journal of Innovation in Business and Economics, 6(1), 1–16. https://doi.org/10.22219/jibe.vol6.no1.1-16
Fanani, M. (2011). Pengelolaan Wakaf Tunai. Walisongo, 19(1), 179–196.
Faujiah, A. (2018). Bank Wakaf Mikro Dan Pengaruhnya Terhadap Inklusi Keuangan Pelaku Usaha Kecil Dan Mikro. (April), 380.
Fikri, A. L. R. (2018). Konsep pengelolaan koperasi pesantren untuk kesejahteraan ekonomi masyarakat: telaah surah. 9(2), 131–150.
Harahap, I. (2015). Hadis-Hadis Ekonomi. Depok: Kencana.
Hidayat, T. (2017). Konsep Pendistribusian Kekayaan Menurut Al- Qur ’ an. AL-FALAH: Journal of Islamic Economics, 2(1), 17.
Huda, N., Anggraini, D., Rini, N., Hudori, K., & Mardoni, Y. (2018). Akuntabilitas sebagai Sebuah Solusi Pengelolaan Wakaf. Jurnal Akuntansi Multiparadigma, 5(3), 485–497. https://doi.org/10.18202/jamal.2014.12.5036
Idri. (2017). Hadis Ekonomi dalam Perspektif Hadis Nabi. Depok: Kencana.
Madnasir. (2010). Distribusi dalam islam. ASAS, 2(1), 34–44.
Maspupah, I., & Hasanah, S. M. (2016). Penguatan Filantropi Islam melalui Optimalisasi Wakaf Berbasis Sukuk. Journal of Islamic Economics Lariba, 2(2), 25–38.
Medias, F. (2017). Bank Wakaf: Solusi Pemberdayaan Sosial Ekonomi Indonesia. Indonesian Journal of Islamic Literature and Muslim Society, 2(1), 61–84. https://doi.org/10.22515/islimus.v2i1.749
Muhtar, A. (2015). Potensi Wakaf Menjadi Lembaga Keuangan Publik. Asy-Syari’ah, 17(1), 9–18. https://doi.org/https://doi.org/10.15575/as.v17i1
Noor, R. A. G. (2015). Kebijakan Distribusi Ekonomi Islam dalam Membangun Keadilan Ekonomi Indonesia. ISLAMICA: Jurnal Studi Keislaman, 6(2), 316–328. https://doi.org/10.15642/islamica.2012.6.2.316-328
Nurma, N. (2013). Investasi Dana Wakaf. Khatulistiwa, 3(2), 11–18. Retrieved from http://jurnaliainpontianak.or.id/index.php/khatulistiwa/article/view/209
Otoritas Jasa Keuangan. (2019). OJK Keluarkan Izin 41 Bank Wakaf Mikro. In https://www.ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Siaran-Pers-OJK-Keluarkan-Izin-41-Bank-Wakaf-Mikro.aspx.
Rahman, A. (1995). Doktrin Ekonomi Islam Jilid II. Yogyakarta: PT. Dana Bhakti Wakaf.
Suud Maadi, A. (2018). Instrumen Bank Wakaf Mikro: Alternatif Pemberdayaan Ekonomi Pesantren. 2nd Proceedings Annual Conference for Muslim Scholars, (April), 449–454. Retrieved from http://proceedings.kopertais4.or.id/index.php/ancoms/article/view/148/148
Syafiq, A. (2014). Wakaf tunai untuk pemberdayaan usaha kecil. Journal Ziswaf, 1(2), 404–428. https://doi.org/http://dx.doi.org/10.21043/ziswaf.v1i2.1493