Journal of Finance and Islamic Banking
Full Lenght Article
Analysis of Savings and Loans Scheme by Family Welfare Empowerment Organization As a Fulfillment Solution for Muslim in the Pandemic Outbreak
Abstract
This study aims to analyze the savings and loans scheme at the Family Welfare Empowerment Organization (FWEO) at the Neighborhood Association (NA) XY, Karanganyar Regency, during the Covid-19 pandemic outbreak. This study uses a qualitative approach with the method of observation and interviews. Observations observe the object of research when transacting savings and loans and the distribution of residual income. Interviews confirmed people who are directly related to the savings and loans activities at FWEO of NA XY including the chairperson, fund administrator of FWEO and Muslim borrowers.The results of the study show that the savings and loans activities at FWEO of NA XY are family-based community activities and prioritize the principle of ta'awun or mutual assistance. One of the assistance is given to Muslims members of FWEO and suffering from financial difficulties during the pandemic outbreak. The principle of ta'awun is reflected by the scheme of savings, loans and the ease use of residual income and based on trust among members. This fact supports the findings that the existence of FWEO in NA XY makes it easier for Muslims to obtain funds as well as to ease the economic burden, especially for those affected by Covid-19.
Declarations
Publisher's Note
Universitas Islam Negeri Raden Mas Said Surakarta remains neutral with regard to jurisdictional claims in published maps and institutional affiliations.
References
Awawa, Y. (2020). 12 Penyedia Pinjam 5 Menit Cair, Solusi Dana Kilat Terbaik. Qoala. https://www.qoala.app/id/blog/keuangan/kredit/penyedia-pinjam-5-menit-cair/
Azis, Y. M., Susanti, S., & Kuraesin, A. (2018). Literasi Pengelolaan Keuangan Simpan Pinjam bagi Ibu-ibu Rumah Tangga di Kabupaten Malang. Proceeding of Community Development.
Bachri, B. S. (2010). Meyakinkan Validitas Data Melalui Triangulasi Pada Penelitian Kualitatif. Teknologi Pendidikan, 10(1), 46–62.
Fathoni, A. (2006). Metodologi penelitian dan teknik penyusunan skripsi. In Jakarta : Rineka Cipta, 2006.
Harahap, J., & Rizal, F. (2019). Peran Pemberdayaan Kesejahteraan Keluarga dalam Pemberdayaan Wanita di Desa Simatahari Kecamatan Kota Pinang Kabupaten Labuhan Batu Selatan. Jurnal Pemberdayaan Masyarakat.
Hasanah, H. (2016). Teknik-Teknik Observasi. At-Taqaddum, 8(1), 21–46.
Herdiansyah, H. (2015). Wawancara, Observasi, dan Focus Groups sebagai Instrument Penggalian Data Kualitatif. Rajawali Pers.
Hidayat, T. (2019). Pembahasan Studi Kasus sebagai Metodologi Penelitian. Universitas Muhammadiyah Purwokerto.
Islamiyah, N. (2019). The Financial Management Practise of Mosque: Study Case in Malaysia. Jurnal Akuntansi Dan Keuangan Indonesia, 16(1), 108–121.
Miles, & Hubberman. (1992). Analisis Data Kualitatif. Penerbit Universitas Indonesia.
Mubarok, A. L. (2019). Praktik Pinjam Meminjam Uang dalam Perspektif Hukum Islam. Mutawasith: Jurnal Hukum Islam, 2(1), 1–16.
Pakpahan, A. K. (2020). Covid-19 dan Implikasi bagi Usaha Mikro, Kecil, dan Menengah. Jurnal Ilmiah Hubungan Internasional, Edisi Khusus, 59–64.
Panglipusari, D. L., & Mardiana, F. (2019). Menumbuhkan Budaya Koperasi Dilingkungan Kelompok PKK Melalui Model Koperasi Simpan Pinjam. Prosiding Konferensi Nasional Pengabdian Kepada Masyarakat Dan Corporate Social Responsibility (PKM-CSR).
Pathony, T. (2020). Proses Pemberdayaan Masyarakat Melalui Gerakan Pemberdayaan dan Kesejahteraan Keluarga (PKK) di Kabupaten Subang. Ijd-Demos.
Rahardjo, M. (2010). Triangulasi dalam Penelitian Kualitatif. Universitas Islam Negeri Maulana Malik Ibrahim Malang.
Sada, H. J. (2017). Kebutuhan Dasar Manusia dalam Perspektif Pendidikan Islam. Al-Tadzkiyyah: Jurnal Pendidikan Islam.
Siswanto, S., & Anwar, K. (2020). Religious Culture of Sharia Microfinance Institutions in Denpasar-Bali. El-Harakah, 22(2), 341–361.
Suliah, Harapan, E., & Arafat, Y. (2019). Headmaster’s strategy to maximizes using infrastructure and teachers’ role to improve learning quality in elementary school. International Journal of Scientific and Technology Research, 8(5), 120–123.
Susanti, N. (2014). Sistem Informasi Simpan Pinjam Badan Keswadayaan Masyarakat Studi Kasus BKM Sarana Makmur. Simetris : Jurnal Teknik Mesin, Elektro Dan Ilmu Komputer, 5(1), 41–48.
Windarto, A. P. (2017). Implementasi JST Dalam Menentukan Kelayakan Nasabah Pinjaman KUR Pada Bank Mandiri Mikro Serbelawan Dengan Metode Backpropogation. J-SAKTI (Jurnal Sains Komputer Dan Informatika).
Windhiyana, E. (2020). Dampak Covid-19 terhadap Kegiatan Pembelajaran Online di Perguruan Tinggi Kristen di Indonesia. Perspektif Ilmu Pendidikan, 34(1), 1–8.
Zulhartati, S. (2010). Peranan Koperasi dalam Perekonomian Indonesia. (IPS, FKIP, Universitas Tanjungpura, Pontianak), 25(3), 57–64.
Bibliographic Information
