Optimization of Micro Waqf Bank's Ability to Support Micro and Small Businesses
Abstract
Poverty and income inequality are the most complex issues we face, and they affect people at all levels of society. Poverty is a global humanitarian issue that continues to be a major concern in all parts of the globe. The percentage of people living in poverty in West Nusa Tenggara is higher than the national average. Waqf is an economic pillar that is expected to help micro and small-scale businesses succeed. Micro Waqf Bank (BWM) is a Sharia microfinance institution formed by OJK and the National Amil Zakat Institution, with a capital scheme that is unique to BWM. The goal of this research was to figure out how to improve BWM’s ability to assist micro and small businesses in Central Lombok. Qualitative descriptive methods were used by the researcher. It was found that strategies to maximize the role of waqf banks for micro and small businesses in the vicinity of Islamic boarding schools can be developed based on the findings of BWM ATQIA’s SWOT analysis of cash waqf management. According to the findings, strategies that can be implemented include increasing the sense of responsibility among members of the customer group, strengthening the support of Islamic boarding schools in conducting marketing while also providing an understanding of the law of usury, developing appealing programs that are in high demand by customers or the public, displaying customers’ products in front of the audience, and decorating the office in a pleasing manner.
Keywords: optimization, Micro Waqf Bank, micro and small enterprises, SWOT
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