Assessing performance of Mawar Emas as a mosque-based Islamic financing program

Q3 Business, Management and Accounting

International Journal of Management and Enterprise Development Pub Date : 2022-12-26 DOI:10.20414/jed.v4i2.6500

Supiandi Supiandi, R. A. Pramuja, S. B. C. Yuli, M. Yakub, Baiq El Badriati

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Abstract

Purpose — This research aims to assess the performance of the Mawar Emas program since its inception.Method — This descriptive qualitative research involves several types of respondents such as mosque administrators, Chairperson of the Masyarakat Ekonomi Syariah (MES), MES Secretary, and beneficiaries. Data obtained through in-depth interviews were processed using reduction, display, triangulation and conclusion techniques.Result — Using primary and secondary data and qualitative research techniques, the authors found that the Mawar Emas initiative supported 32 mosques in West Nusa Tenggara, totaling 1,194 prospective debtors. In terms of funding, the Mawar Emas program has a yearly budget of Rp. 1,275,000,000. However, these funds have not been used to their full potential since the program's inception. There was a decrease in funding and absorption of funds in the program's second year. Several aspects of this program must be evaluated, including increased funding, defaults, training delivery, outdated data, and the presence of profit-oriented institutions.Contribution — This study contributes by discussing performance of a mosque-based Islamic financing program to reduce dependency on conventional moneylenders.

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评估Mawar Emas作为一个以清真寺为基础的伊斯兰融资项目的表现

目的-本研究旨在评估Mawar Emas项目自成立以来的表现。方法:这一描述性定性研究涉及几种类型的受访者，如清真寺管理者、伊斯兰经社理事会主席、经社理事会秘书和受益人。通过深度访谈获得的数据使用还原、显示、三角测量和结论技术进行处理。结果:通过使用一手和二手数据以及定性研究技术，作者发现Mawar Emas倡议支持了西努沙登加拉的32座清真寺，共计1194名潜在债务人。在资金方面，Mawar Emas方案的年度预算为1,275,000,000卢比。然而，自该计划启动以来，这些资金并没有充分发挥其潜力。在项目的第二年，资金的投入和吸收都有所减少。必须对该计划的几个方面进行评估，包括增加的资金、违约、培训交付、过时的数据以及以利润为导向的机构的存在。贡献——本研究通过讨论以清真寺为基础的伊斯兰融资项目的绩效来减少对传统放债人的依赖。

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

International Journal of Management and Enterprise Development Business, Management and Accounting-Business and International Management

CiteScore

1.80

自引率

0.00%

发文量

期刊介绍： IJMED is a major international research journal dedicated to business development strategy and entrepreneurship policy as well as management processes in an international and cross-cultural context. IJMED provides a venue for high quality papers including theoretical research articles, evidence-based case studies and practical applications seeking to explore best practice and investigate strategies for rapid growth management in SMEs. IJMED has a history of contributing to the academic literature, providing conceptual and practical insights and generating innovative ideas for organizational enterprise. Topics covered include: -SMEs'' start-up development, corporate venturing- Technological opportunities, new firm creation, valuation- Technological adoption, technology transfer, technopreneurship- Joint ventures/alliances, franchising and corporate ownership- Business incubator development strategy- Economic and social entrepreneurship- Virtual coaching services for SMEs- SMEs and entrepreneurship policy- Start-up cognitions/behaviours- Halo effect, technology licensing- Long-run technology investments- Knowledge management/technology strategy in SMEs- Managing rapid growth, accelerating competitive effectiveness- Strategy decision speed and SME performance- Entrepreneurs in non-profit sector.