The optimisation of Qardhul Hasan management in Islamic banking: enhancing its role in empowering the community

IF 2.4 Q3 BUSINESS
P. Nugraheni, Rifqi Muhammad
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引用次数: 0

Abstract

Purpose Qardhul Hasan (QH) is a type of Islamic contract that prioritises benevolent aspects between beneficiaries and the fund provider. The effective management and distribution of QH can contribute to overcoming economic problems in society. This study aims to explore the potential to enlarge the sources of QH funding and QH financing in Indonesian Islamic banks. The paper proposes a framework for QH management in Islamic banks by identifying the sources of QH funds as well as the management and potential allocations of QH funds. Design/methodology/approach This study uses a descriptive analysis method with a framework-based review to discuss the strategy of optimising the sources, financing and management of QH in Islamic banks. The implementation of QH in the Islamic banking industry is described based on the previous literature and current phenomena. Findings To positively impact economic development, Islamic banks can collaborate with parties that are more focused on charitable activities and have greater resources to channel and use QH funds. This study also formulates a framework of QH funds management that prioritises efforts to multiply benefits for both the fund provider and the beneficiaries. Research limitations/implications The descriptive method used in this paper comprises preliminary research to analyse the current phenomena and potential strategies that can be implemented. Future studies may use empirical data to strengthen the analysis. Practical implications The recommendations of this paper can be used by relevant social fund management institutions in collaboration with Islamic banking. Social implications QH reflects not only the social aspects of Islamic banks and extends beyond their corporate social responsibility activities, its effective management will make a greater contribution to reducing the level of unemployment, poverty alleviation and supporting the country’s economic development. Originality/value This paper provides a framework that integrates financial institutions in maximising QH fund management to encourage greater benefits for the community. Although previous studies have mentioned the important role of QH, relatively few have considered how Islamic banks maximise its management.
伊斯兰银行Qardhul Hasan管理的优化:增强其在赋予社区权力方面的作用
目的Qardhul Hasan(QH)是一种伊斯兰合同,优先考虑受益人和基金提供者之间的慈善方面。QH的有效管理和分配有助于克服社会中的经济问题。本研究旨在探索扩大印尼伊斯兰银行QH资金和QH融资来源的潜力。本文通过确定QH资金的来源以及QH基金的管理和潜在分配,提出了伊斯兰银行QH管理的框架。设计/方法论/方法本研究采用描述性分析方法和基于框架的审查,讨论优化伊斯兰银行QH的来源、融资和管理的策略。QH在伊斯兰银行业的实施是基于先前的文献和当前的现象来描述的。发现为了积极影响经济发展,伊斯兰银行可以与更专注于慈善活动、拥有更多资源来引导和使用QH资金的各方合作。本研究还制定了QH基金管理框架,优先努力为基金提供者和受益人增加利益。研究局限性/含义本文中使用的描述性方法包括分析当前现象和可能实施的策略的初步研究。未来的研究可能会使用实证数据来加强分析。实际意义本文的建议可供相关社会基金管理机构与伊斯兰银行合作使用。社会影响QH不仅反映了伊斯兰银行的社会方面,并超越了其企业社会责任活动,其有效管理将为降低失业水平、减轻贫困和支持国家经济发展做出更大贡献。独创性/价值本文提供了一个框架,将金融机构整合到QH基金管理的最大化中,以鼓励为社区带来更大的利益。尽管之前的研究提到了QH的重要作用,但相对较少的研究考虑伊斯兰银行如何最大限度地提高其管理水平。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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来源期刊
CiteScore
6.30
自引率
8.30%
发文量
35
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