Section Articles

Strategi Mitigasi Outstanding dalam Skema Pembiayaan BankZiska melalui Penerapan Al-Qardhul Hasan

https://doi.org/10.32505/jurisprudensi.v16i1.10001
Isnaeni Gelda Prasetianti
isnaenigeldaprasetianti@mail.ugm.ac.id (Primary Contact)
Universitas Gadjah Mada, Yogyakarta, Indonesia
Oman Fathurohman SW
Universitas Gadjah Mada, Yogyakarta, Indonesia

Article Sidebar

Submitted
Dec 3, 2024
Accepted
Dec 23, 2024
Published
Dec 27, 2024
Download
PDF
Statistic
Read Counter : 113 Download : 102

Downloads

Download data is not yet available.

Main Article Content

Abstract

The increasing outstanding in the al-Qardhul Hasan-based BankZiska financing scheme reflects the gap between the ideals of an interest-free, penalty-free, and solidarity-based program and the reality of potential abuse by partners, such as failure to repay. BankZiska, as a program based on zakat, infaq, and sadaqah funds, aims to help small communities, especially MSME players, free themselves from loan sharks and ribawi practices. The program provides soft loans without additional fees, which are designed in accordance with sharia principles and DSN-MUI fatwas. This study identifies the risk mitigation strategies applied by BankZiska to maintain the sustainability of the financing scheme. A literature study-based qualitative approach is used to analyze the effectiveness of the joint liability system, periodic monitoring, and intensive mentoring. The findings show that these strategies effectively reduce the risk of default, increase the ethos of economic independence, and build community awareness of Islamic economics. The program also has a positive impact on partner empowerment through entrepreneurship training and Islamic financial education. BankZiska is not only a financial solution, but also part of economic da'wah to encourage people's independence.

Keywords

BankZiska Outstanding al-Qardhul Hasan

Article Details

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Authors who publish with this journal agree to the following terms:

  1. Authors retain copyright and grant the Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan dan Ekonomi Islam right of first publication with the work simultaneously licensed under a Creative Commons Attribution License (CC BY 4.0) that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
  2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan dan Ekonomi Islam published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
  3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
How to Cite
Prasetianti, I. G., & Fathurohman SW, O. (2024). Strategi Mitigasi Outstanding dalam Skema Pembiayaan BankZiska melalui Penerapan Al-Qardhul Hasan. Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan Dan Ekonomi Islam, 16(1), 294-307. https://doi.org/10.32505/jurisprudensi.v16i1.10001

References

  1. Aderemi, A. M. R., & Ishak, M. S. I. (2023). Qard Hasan as a feasible Islamic fi nancial instrument for crowdfunding: its potential and possible application for financing micro-enterprises in Malaysia. 58–76. https://doi.org/10.1108/QRFM-08-2021-0145
  2. Ayu, S. (2021). Konsep Dana Non Halal pada Perbankan Syariah dalam Pembiayaan Qardhul Hasan Perbandingan Fatwa DSN – MUI NO:123/DSN-MUI/XI/2018 dengan Pemikiran Syeckh Muhammad Yusuf Qardhawi (Issues 1–82).
  3. Daroji, C., & Christanti, Y. D. (2022). Analisis Sistem Pinjaman Qardhul Hasan Bank Ziska Kabupaten Ponorogo Dalam Pandangan Fatwa DSN-MUI. IJOIS: Indonesian Journal of Islamic Studies, 3(01), 111–123.
  4. DSN MUI. (2001). Fatwa Dewan Syari’ah Nasional-Majelis Ulama Indonesia No: 19/DSN-MUI/IV/2001 tentang Al-Qardh. Fatwa DSN MUI, 1–4. http://mui.or.id/wp-content/uploads/files/fatwa/19-Qardh.pdf
  5. Futaqi, F. A., & Susanti, L. D. (2022). Dampak Pinjaman Bank Thithil Pada Ekonomi Rumah Tangga W Faruq Ahmad Futaqi. SETARA: Jurnal Studi Gender Dan Anak, 04(01), 131–142.
  6. Futaqi, F. A., Susanti, L. D., & Ulya, H. N. (2022). Efektivitas Peran BankZiska : Ancaman Bagi Bank Thithil ? 10.
  7. Habibi, A. S. H., Rohmanzah, F., Ramadhan, B. J., & Savitrah, R. M. (2024). Edukasi Bahaya Pinjaman Rentenir Kepada Mitra UMKM Bankziska Di Lembaga Amil Zakat Infaq Dan Shadaqah Muhammadiyah Jember. Gudang Jurnal Multidisiplin Ilmu, 2(Sucipto 2022), 109–113.
  8. Hanifuddin, I., Kasanah, N., & Eficandra. (2024). Al-Qarḍ al- Ḥasan Program of Bankziska: Zakat Fund-Based Empowerment Model for Victims of Loan Sharks. JURIS (Jurnal Ilmiah Syariah), 23(1), 1–12. https://doi.org/10.31958/juris.v23i1.10799
  9. Hartono, H. S. (2024). Konsep Pembiayaan Usaha Super Mikro Di Bankzakat Baznas Kabupaten Musi Rawas: Analisis Perspektif Maslahah Mursalah. Sil’ah: Jurnal Ekonomi Syariah, 1(1), 18–33.
  10. Hidayatullah, M. W. S. (2024). Evaluasi Efektivitas Penyelesaian Pembiayaan Bermasalah Dengan Akad Al Qordhul Hasan Di BMT Bangun Rakyat Sejahtera Yogyakarta.
  11. Iyud, I. (2022). Analisis Optimalisasi Pembiayaan Akad Qardhul Hasan Dan Mudharabah Di Perbankan Syari’ah (Studi Kasus Bank Muamalat Kantor Cabang Pembantu Muaro Bungo). Jurnal Manajemen Pendidikan Dan Ilmu Sosial, 3(1), 68–79.
  12. Kusuma, K. A., Fauji, I., Futaqi, F. A., & Sobirov, B. (2023). BankZiska : A New Hope for the Unbanked and Poor in Indonesia (Vol. 1). Atlantis Press SARL. https://doi.org/10.2991/978-2-38476-052-7
  13. Lazismu Jatim. (2023). Company profile BANKZISKA (Membangun Ekonomi Tanpa Riba).
  14. Naini, W. N. (2023). Edukasi Bankziska Ponorogo Untuk Meningkatkan Literasi Keuangan Syariah Pada Kelompok Al-Ghârimîn.
  15. Nugraheni, P., & Muhammad, R. (2024). The optimisation of Qardhul Hasan management in Islamic banking: enhancing its role in empowering the community. Journal of Enterprising Communities, 18(3), 469–486. https://doi.org/10.1108/JEC-08-2022-0113
  16. Rois, A. K., Syukroni, A., & Abidin, N. (2022). The Role of Amil Zakat Institutions in the Development of Economic Da’wah (Study on Distribution of Zis Funds through the Bankziska Program in Ponorogo) Peran Lembaga Amil Zakat dalam Pengembangan Dakwah Ekonomi ( Studi Penyaluran Dana Zis Melalui Pro. 6(2), 154–162. https://doi.org/10.21070/perisai.v6i2.
  17. Rungjaroen, K., Whasphuttisit, J., & Jitsakul, W. (2023). Ensemble Learning Approach for Predicting Outstanding Debts for Housing Loans. 7th International Conference on Information Technology, InCIT 2023, 458–463. https://doi.org/10.1109/InCIT60207.2023.10413095
  18. Setiawan, S., Sholikha, P. S., Rahayu, D., & Fitrianna, N. (2021). Strategi Pembiayaan Bankziska Terhadap Praktik Riba Pada Pelaku UMKM. 2(2), 112–126.
  19. Sumanto, A. E., Sahidu, M. A., & Futaqi, F. A. (2021). Buku Panduan Bankziska: Membangun Ekonomi Tanpa Riba.
  20. Yatna, C. N., & Anugrah, T. (2019). Pengaruh Non Performing Loan, Loan To Deposit Ratio, Net Interest Margin, Biaya Operasional Pendapatan Operasional dan Capital Adequacy Ratio Terhadap Profitabilitas Bank Umum Konvensional Buku 4 Periode 2012-2016. Perbanas, 4(1), 133–144.
  21. Yuliana, R. (2022). Penerapan Al Qardh Terhadap Pelaksanaan Qardhul Hasan di BMT Hasanah Ponorogo Perspektif Fiqh Muamalah.