The Role of Islamic Microfinance Approach for Community Development

2021 ◽  
pp. 1-10
Author(s):  
Malik Shahzad Shabbir ◽  
Keyword(s):  
Community Development ◽  
Development Program ◽  
Primary Data ◽  
Structured Interviews ◽  
Development Framework ◽  
Core Components ◽  
Effective Community ◽  
Islamic Microfinance ◽  
Development Approach ◽  
Management Staff

The fields of zakat-based microfinance and community development are not often placed under the same theoretical lens that both aim to empower disadvantaged people. This study investigates the experiences of borrowers in the implementation of zakat-based microfinance and analyses the different driving factors they applied in their choice of the zakat-based microfinance of Da’arut Tauhid Peduli in Bandung, Indonesia. It applies a community development framework, based on the five characteristics, to explore this Islamic microfinance approach as an effective community development program, which has a religious dimension. Primary data were obtained from semi-structured interviews with the borrowers along with participation observation at a weekly majelis meeting, and these were triangulated with information cross-checked with management staff of the institution. The findings demonstrate three out of five characteristics of zakat-based microfinance approach as an effective community development program. They include characteristics in constantly maintaining power relation between borrowers and the institution, increasing capability and ability of borrowers to be more independent and empowered, and long-term duration of the program and sustainability. The findings showed that spiritual factors appear to have been an additional driving force on top of economic and non-economic factors for most borrowers choosing this particular program. With respect to zakat-based microfinance as a community development approach, practitioners need to develop longer-term strategic planning that takes into account the principles and core components of both zakat and community development; this would facilitate both the economical and spiritual empowerment of recipients to widen the scope of change, as well as expand benefits from their families to the wider community

scholarly journals Community development through Islamic microfinance approach: The experience of Daarut Tauhid Peduli Bandung, Indonesia

2020 ◽  
Vol 5 (2) ◽  
pp. 108-122
Author(s):  
Ela Nurhayati ◽  
Agus Ahmad Safei ◽  
Aya Ono
Keyword(s):  
Community Development ◽  
Participant Observation ◽  
Development Program ◽  
Primary Data ◽  
Structured Interviews ◽  
Development Framework ◽  
Effective Community ◽  
Islamic Microfinance ◽  
Management Staff

The fields of zakat-based microfinance and community development are not often placed under the same theoretical lens that both aim to empower disadvantaged people. This study investigates the experiences of borrowers in the implementation of zakat-based microfinance and analyses the different driving factors they applied in their choice of the zakat-based microfinance of Daarut Tauhid Peduli in Bandung, Indonesia. It applies a community development framework, based on the five characteristics, to explore this Islamic microfinance approach as an effective community development program, which has a religious dimension. Primary data were obtained from semi-structured interviews with the borrowers along with participant observation at a weekly majelis meeting, and these were triangulated with information cross-checked with the management staff of the institution. The findings demonstrate three out of five characteristics of the zakat-based microfinance approach as an effective community development program. They include characteristics in constantly maintaining power relations between borrowers and the institution, increasing capability and ability of borrowers to be more independent and empowered, and long-term duration of the program and sustainability. The findings showed that spiritual factors appear to have been an additional driving force on top of economic and non-economic factors for most borrowers choosing this particular program.

scholarly journals Sustainable Development in Island Communities: The Case Study of Postira

2014 ◽  
Vol 6 (3) ◽  
pp. 254-269 ◽  
Author(s):  
Željka Tonković ◽  
Jelena Zlatar
Keyword(s):  
Sustainable Development ◽  
Community Development ◽  
Local Community ◽  
Local Development ◽  
Secondary Data ◽  
Primary Data ◽  
Structured Interviews ◽  
Sustainable Community Development ◽  
Island Communities

Abstract The article shows the results of the case study of Postira, a village and a municipality on the island of Brač (Croatia) and presents a positive example of sustainable community development on islands in the post-transition social context. Based on the theory of sustainable local community development and its four pillars (economic, ecological, social and cultural), we analyse both the secondary data and the primary data collected from semi-structured interviews with the key actors of local development. The study shows that economic, ecological, social and cultural domaines are connected in Postira which allows for sustainable development of the place. By examining various aspects of sustainable development in Postira, we present the general framework of sustainable island development. It is based on integral development of the local community on sustainability principles, it defines key processes and guidelines and can be applied to rural and island areas, taking into account the specificities of each community.

scholarly journals The Performance Analysis of The Community Economic Institutions (LEM) in Increasing Farmers’ Income of Cocoa Farming System

2021 ◽  
Vol 232 ◽  
pp. 02029
Author(s):  
Rusdin ◽  
Dahya Agussalim ◽  
Sarjoni ◽  
Julian Witjaksono
Keyword(s):  
Community Development ◽  
Performance Indicators ◽  
Development Program ◽  
Simple Random Sampling ◽  
Farming System ◽  
Primary Data ◽  
Technical Factor ◽  
Community Institution ◽  
The Government ◽  
Participatory Method

Cocoa is a predominant crop estate commodity produced in Southeast Sulawesi. The main constrain increasing cocoa productivity regarding the non-technical factor is developing cocoa community. The government has launched Cocoa Community Institution (LEM) to overcome lack of community development in a cocoa farming system. This study aims to identify institutions related to the community development based on cocoa commodity and to analyze the performance of LEM. This study was conducted in two Sub-Districts (Lambuya and Besulutu) of Konawe district in Southeast Sulawesi province. Participatory method was implemented to get the primary data through an open interview based on the performance indicators of LEM Sejahtera. The number of respondents was 30 farmers chosen by simple random sampling. The Cocoa Community Institution was the main purpose of this study focusing on its performance of LEM Sejahtera in enhancing smallholders’ income. The results of this study indicated that LEM Sejahtera in Besulutu had contributed significantly to supply input and lend money to help poor resource farmers based on the community development program.

scholarly journals Implementasi Peran Program Kemitraan Bumn dengan UMKM Oleh PT Jasa Marga (Persero)

2018 ◽  
Vol 6 (4) ◽  
pp. 445-450
Author(s):  
Andi Setiawan
Keyword(s):  
Qualitative Research ◽  
Community Development ◽  
Quantitative Research ◽  
Development Program ◽  
Primary Data ◽  
Medium Enterprise ◽  
Small Medium Enterprises ◽  
Medium Enterprises ◽  
Partnership Program

Penelitian ini adalah penggabungan antara penelitian kualitatif dan penelitian kuantitatif. Lokasi penelitian di lakukan di Kota Semarang. Data yang digunakan dalam penelitian ini meliputi data primer dari hasil angket kepada Pengusaha Mikro Kecil dan Menengah dan wawancara langsung dengan petugas PT Jasa Marga (Persero), Tbk bagian PKBL (Program Kemitraan dan Bina Lingkungan). Hasil penelitian yang telah dilakukan membuktikan bahwa mekanisme program Penyaluran Kredit yang diberikan PT Jasa Marga (Persero), Tbk kepada Usaha Mikro Kecil Menengah dilaksanakan secara utuh sesuai dengan peraturan yang berlaku. Program Penyaluran Kredit telah dilaksanakan dengan berpedoman pada SK Direksi No.230/KPTS/2007, sasaran dari Program Kemitraan ini adalah Usaha Mikro Kecil Menengah (UMKM), efektivitas penyaluran kredit modal bergulir kurang efektif kepada Usaha Mikro Kecil Menengah untuk penjualan bersih rata – rata setiap bulan karena hanya mengalami kenaikan sebesar 64,75%. Berdasarkan hasil penelitian dapat disimpulkan bahwa implementasi peran program kemitraan yang dilaksanakan oleh PT Jasa Marga (Persero), Tbk cabang Semarang kepada UMKM sebagian besar kurang efektif dalam meningkatkan kinerja UMKM. This research is a merging of qualitative research and quantitative research. The research location is done in Semarang City. The data used in this study include the primary data from the questionnaire results to Micro Small and Medium Entrepreneurs and direct interviews with officials of PT Jasa Marga (Persero), Tbk part PKBL (Partnership and Community Development Program). The results of the research have proved that the mechanism of Credit Disbursement program given by PT Jasa Marga (Persero) Tbk to Micro Small Medium Enterprises is fully implemented in accordance with the prevailing regulations. Credit Disbursement Program has been implemented based on SK Direction No.230 / KPTS / 2007, the target of this Partnership Program is Micro Small Medium Enterprise (UMKM), the effectiveness of disbursing revolving capital credit is less effective for Micro Small Medium Enterprises for average net sales every month as it only experienced an increase of 64.75%. Based on the results of research can be concluded that the implementation of the role of partnership program implemented by PT Jasa Marga (Persero), Tbk Semarang branch to MSMEs most of the less effective to improve the performance of MSMEs

scholarly journals IMPLEMENTASI DAN EVALUASI PROGRAM KEMITRAAN DAN BINA LINGKUNGAN PT TIMAH TBK DI KABUPATEN BANGKA TAHUN 2019

2020 ◽  
Vol 2 (2) ◽  
pp. 144-158
Author(s):  
Putri Aisyah ◽  
Bustami Rahman ◽  
Ibrahim Ibrahim
Keyword(s):  
Public Policy ◽  
Community Development ◽  
Policy Implementation ◽  
Development Program ◽  
Primary Data ◽  
Poor People ◽  
Mining Operations ◽  
Unequal Distribution ◽  
Public Policy Implementation ◽  
The Government

The Partnership and Community Development Program (PKBL) is one of the implications ofpublic policy which aims to realize the three main pillars of development that have been announcedby the government and constitute a political promise to the community to reduce the number ofunemployed (pro-jobs), reduce the number of poor people (pro-poor), and increase economicgrowth (pro-growth) around the area of mining operations. The purpose of this research is todescribe the implementation and identify the results of the evaluation of the implementation of thePartnership and Community Development Program (PKBL) of PT Timah Tbk in Bangka Regencyin 2019. The Theory used in this field is Merilee S. Grindle's Public Policy Implementation Theory,which initiates the implementation of public policies that can be measured from the process ofachieving outcomes, namely whether or not the policy objectives to be achieved. Beside usingGrindle's Theory of Public Policy Implementation, this study also uses William Dunn's Theory ofPublic Policy Evaluation. Dunn illustrates that evaluation is concerned with the production ofinformation about the benefits of the results of wisdom. This research uses a descriptivequalitative approach, whose primary data sources are from unstructured interviews withinformants. The number of informants in this study was 18 people consisting of 10 people asrecipients of partnership program assistance or fostered partners and 6 recipients of communitydevelopment program assistance and 2 members of the unit CSR of the PKBL in PT Timah Tbk.The main findings that of the research are unequal distribution of guidance to fostered partners,the weakness of the monitoring mechanisms and dysfunction of laws and regulation.

Community Development in Manitoba

1961 ◽  
Vol 20 (4) ◽  
pp. 232-237 ◽  
Author(s):  
Jean Lagasse
Keyword(s):  
Community Development ◽  
Development Program ◽  
Statistical Information ◽  
Social Scientists ◽  
Methods And Techniques ◽  
Guiding Principles ◽  
Development Approach

The purpose of this article is to describe the Community Development program of the Department of Welfare of the Province of Manitoba. The community-development approach is not new to social scientists. An impressive bibliography is readily available to anyone who wishes to study its guiding principles, methods, and techniques. This article will have served its purpose if it is successful in explaining why Community Development was chosen to help in the integration of people of Indian ancestry in Manitoba, what problems it hopes to solve, and how it was adapted to serve under the specific conditions prevailing in Manitoba. These factors can be more meaningfully discussed if the reader possesses some statistical information about the population to be served by Community Development.

scholarly journals Analisis Peran Program Zakat Community Development BAZNAS Kota Samarinda Dalam Mengurangi Kemiskinan di Samarinda

AL-TIJARY ◽  
2019 ◽  
Vol 5 (1) ◽  
pp. 59-73
Author(s):  
Tikawati Tikawati ◽  
Eka Dwi Lestari
Keyword(s):  
Community Development ◽  
Development Program ◽  
Field Research ◽  
Research Field ◽  
Community Leaders ◽  
Health Programs ◽  
Primary Data ◽  
Driving Factor ◽  
Self Help ◽  
Inhibiting Factors

This research was motivated by the activities of the Zakat Community Development program carried out by the BAZNAS of Samarinda City in the Loa Kumbar area of Loa Buah Village in Samarinda which aims to prosper the community or empowerment programs based on reducing poverty. The research is empirical research (field research), the data sources in this study were primary data obtained from field assistants and assistants from BAZNAS Samarinda.while the Respondents in this study were Kelurahan, RT, community leaders and field assistants and assistants from BAZNAS Samarinda and members. While the data collection techniques used were observation, interview and documentation. After the data was collected, then analyzed using qualitative methods. The findings in the field are, the driving factor of the implementation of the ZCD program in the Loa Kumbar region is that there are many people who do not have jobs, almost 70% of the population in the region are underprivileged and BAZNAS wants to encourage community self-help. The inhibiting factors in implementing the program were the late arrival of funds, facilitators who were still very minimal, communication gaps and the type of development of inappropriate activities. While the changes that have taken place in the Loa Kumbar region are facilities such as roads, mosques, schools, aquaculture, livestock and fisheries, free health programs such as mass circumcision and medical treatment.This program is very helpful for the Loa Kumbar community to become more prosperous.

scholarly journals Strategi dan Model Pembinaan Rohani untuk Pendewasaan Iman Jemaat

2020 ◽  
Vol 2 (2) ◽  
pp. 151-169
Author(s):  
Purim Marbun
Keyword(s):  
Community Development ◽  
Spiritual Formation ◽  
Research Method ◽  
Development Program ◽  
Effective Coaching ◽  
God's Word ◽  
Depth Study ◽  
Effective Community ◽  
The Church

This research is base on the problem of  the pastor’s inability the church to implement an effective community development program. Moreover, if this judged based on implementation of the chuch’s vision and mision, many churches are not accurate incarrying out spiritual formation properly. Another problem is the lack of time the congregation participates in a coaching program implemented in the church will affect the congregation’s lack of knowledge and understanding of God’s word, this will affect the spiritual quality of the congregation. The research method used in this paper is a descriptive qualitative study of literature by examining various literatures relating to subject matter discussed. Through in-depth study and analysis, it is hoped that the pastors will provide concrete steps in planning and conducting effective coaching of church members. The result of this reseach to provide strategic steps and models of spiritual formation that are accurate and measurable and are able to increase the understanding of God’s word and make the spiritually mature as measured by changes in behaviour. Penelitian ini dilatarbelakangi masalah ketidakmampuan pendeta atau gembala dalam menyelenggarakan program pembinaan warga jemaat secara efektif. Apalagi jika hal ini dinilai berdasarkan implementasi visi dan misi gereja, banyak gereja tidak akurat melaksanakan pembinaan iman dengan baik. Masalah lain minimnya waktu jemaat mengikuti program pembinaan yang dilaksanakan di gereja akan berpengaruh pada rendahnya pengetahuan dan pemahaman jemaat akan firman Tuhan, hal ini akan mempengaruhi kualitas kerohanian jemaat. Metode penelitian yang digunakan dalam tulisan ini studi kualitatif deskriptif kepustakaan dengan menelaah berbagai literatur yang berkaitan dengan pokok masalah yang dibahas. Melalui kajian dan analisis yang mendalam diharapkan memberikan langkah-langkah konkrit bagi pendeta dalam merencanakan dan melakukan pembinaan warga gereja dengan efektif. Hasil penelitian ini memberikan langkah-langkah stategis dan model pembinaan rohani yang akurat dan terukur serta mampu meningkatkan pemahaman firman Tuhan serta menjadikan jemaat dewasa rohani yang diukur dari perubahan perilaku.

scholarly journals Dampak CSR terhadap Kesejahteraan Masyarakat Binaan Ternak PT. PLN Tanjung Jati B

2020 ◽  
Vol 3 (1) ◽  
pp. 625-633
Author(s):  
Muhammad Chaniv Syarifuddin
Keyword(s):  
Economic Development ◽  
Corporate Social Responsibility ◽  
Community Development ◽  
Social Responsibility ◽  
Development Program ◽  
Positive Influence ◽  
Primary Data ◽  
Industrial Companies ◽  
Village Government ◽  
Corporate Social

Corporate Social Responsibility (CSR), is the company's commitment to contribute to economic development that is supported by taking into account aspects of the partnership program and community development. PT. PLN TJB as one of the large and medium-sized industrial companies that runs CSR programs, namely the planning and implementation of the CSR program. This research was conducted to see the plan to implement the partnership and Community Development program implemented by PT. PLN TJB and see the effect of the Partnership and Community Development Program on the welfare of PT. PLN TJB. This research method is quantitative descriptive using primary data with the number of respondents as many as 50 people who are members of integrated livestock fostered groups. The analytical tool used is SPSS. The results showed the implementation of Corporate Social Responsibility implemented by PT. PLN TJB Goes Well. The CSR program received a positive response from the community. The community also welcomed the CSR program of PT. PLN TJB. The relationship between the implementation of CSR programs in partnership programs involves several parties, namely the CSR unit of PT. PLN TJB, Higher Education, Local Government, and Livestock-guided Community PT. PLN. Partnership implementation program through three stages of planning, implementation and evaluation. For the Community Development program the implementation of the CSR Program, PT. PLN TJB channeled aid to the community directly, but for infrastructure and the environment PT. PLN involves the village government in carrying out its CSR activities. The role of companies in village economic development is quite central. The company has a positive influence on society. CSR programs conducted by PT. PLN TJB has been quite successful with the welfare of the communities surrounding PT. PLN TJB. Like CSR in the economic field through flashlight programs and tourist villages that provide direct to the surrounding community. Free treatment program that gets enthusiastic from the community. Corporate Social Responsibility (CSR), adalah komitmen perusahaan dalam berkontribusi pada pengembangan ekonomi berkelanjutan dengan memerhatikan aspek program kemitraan dan bina lingkungan. PT. PLN TJB sebagai salah satu perusahaan industri besar dan beroperasi secara nasional memiliki permasalahan mendasar dalam penerapan CSR, yaitu perencanaan dan pelaksanaan program CSR tersebut. Penelitian ini dimaksudkan untuk melihat mekanisme pelaksanaan program kemitraan dan bina lingkungan yang dilaksanakan PT. PLN TJB serta melihat pengaruh Program kemitraan dan bina lingkungan terhadap kesejahteraan masyarakat binaan PT. PLN TJB. Metode dalam penelitian ini adalah kuantitatif diskriptif menggunakan data primer dengan jumlah responden sebanyak 50 orang yang tergabung dalam kelompok binaan ternak terpadu. Alat analisis yang digunakan adalah SPSS. Hasil penelitian menunjukkan Implementasi Corporate Social Responsibility yang dilaksanakan oleh PT. PLN TJB berjalan secara baik. Adanya program CSR mendapatkan respon positif dari masyarakat. Masyarakat juga antusias menyambut program CSR PT. PLN TJB. Mekanisme pelaksanaan program CSR pada program kemitraan melibatkan beberapa pihak yakni unit CSR PT. PLN TJB, Perguruan Tinggi, Pemerintah Daerah, serta Masyarakat kelompok binaan Ternak PT. PLN. Pelaksanaan program kemitraan melalui tiga tahapan yakni perencanaan, pelaksanaan dan evaluasi. Untuk program bina lingkungan mekanisme pelaksanaan program CSR, PT. PLN TJB menyalurkan alokasi bantuan ke masyarakat langsung, tetapi untuk infrastuktur dan lingkungan PT. PLN melibatkan pemerintah desa dalam pelaksanaan kegiatan CSR nya. Peran perusahaan dalam pembangunan ekonomi desa cukup sentral. Adanya perusahaan memberikan dampak positif terhadap masyarakat. Program CSR yang dilakukan PT. PLN TJB cukup berpengaruh terhdap kesejahteraan masyarakat sekitar PT. PLN TJB. Seperti CSR bidang ekonomi melalui program senter dan desa wisata yang memberikan dampak langsung ke pendapatan masyarakat sekitar. Serta program pengobatan gratis yang mendapatkan antusias dari masyarakat.

scholarly journals ISLAMIC MICROFINANCE AND POVERTY ALLEVIATION PROGRAM: PRELIMINARY RESEARCH FINDINGS FROM INDONESIA

2016 ◽  
Vol 5 (1) ◽  
Author(s):  
Yasushi Suzuki ◽  
Sigit Pramono ◽  
Rufidah Rufidah
Keyword(s):  
Community Development ◽  
Capacity Building ◽  
Poverty Alleviation ◽  
Strategic Alliance ◽  
Development Program ◽  
Economic Problem ◽  
Strategic Partnership ◽  
The Poor ◽  
Majority Population ◽  
Islamic Microfinance

Poverty should be defined, measured, and scrutinized its root causes from a multi-dimension perspectives. Therefore, in designing and implementation of poverty alleviation program, it should consider economic factors, social and political contexts surrounding the poor. Sen (1982; 1999) views poverty as a multifaceted world and ethical dimension essentially should be placed underpinning it as a vital economic problem. The paper takes the stance that the poor themselves have potential capacity to alleviate their condition in resolving poverty trap. Community development program is one of the strategies to deal with the poverty problem. Islamic microfinance can play an important role in combating poverty dilemma especially in Muslim majority population communities. Through the approach proposed by Bigg and Satterthwaite (2005) with strengthening local organizations and community development programs, Islamic microfinance should engage a strategic partnership with the Masjid and Islamic charity institutions (zakat and waqf organization). This strategic alliance will result more integrated programs and also capacity building of the institutions involved. This paper aims to contribute a grass root model in the purpose of combating poverty in the framework of Islamic economic system. =========================================== Kemiskinan harus didefinisikan, diukur, dan diteliti akar penyebabnya dari berbagai perspektif. Oleh karena itu, dalam merancang dan mengimplementasikan program pengentasan kemiskinan, faktor-faktor ekonomi, konteks sosial dan politik yang mengelilingi kemiskinan juga harus dipertimbangkan. Sen (1982; 1999) memandang kemiskinan sebagai sebuah dunia yang kompleks, dan dimensi dasar etika harus ditempatkan sebagai sebuah masalah ekonomi yang vital. Peneliti sendiri dalam hal ini berpandangan bahwa orang-orang miskin pada dasarnya punya kapasitas yang memadai untuk keluar dari garis kemiskinan. Salah satunya adalah dengan program pengembangan masyarakat yang merupakan satu strategi dalam pengentasan kemiskinan. Keuangan mikro syariah dapat memainkan peran penting dalam memerangi dilema kemiskinan, khususnya di daerah-daerah yang mayoritas penduduknya Muslim. Pendekatan yang diusulkan oleh Bigg dan Satterthwaite (2005) adalah dengan cara penguatan organisasi lokal dan program pengembangan masyarakat dimana keuangan mikro syariah harus terlibat dalam kemitraan-kemitraan strategis dengan masjid-masjid dan lembaga-lembaga sosial lainnya (seperti lembaga zakat dan wakaf). Aliansi strategis ini akan menghasilkan program-program yang lebih terintegrasi dan juga ada penguatan capacity building dari lembaga-lembaga yang terlibat. Makalah ini bertujuan untuk berkontribusi dalam memberikan model akar rumput dalam hal pengentasan kemiskinan dalam kerangka sistem ekonomi Islam.

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