Assessing performance of Mawar Emas as a mosque-based Islamic financing program
DOI:
https://doi.org/10.20414/jed.v4i2.6500Keywords:
Evaluation, Mawar Emas, Moneylenders, Performance, West Nusa TenggaraAbstract
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 Several aspects of this program must be evaluated, including increased funding, defaults, training delivery, outdated data, and the presence of profit-oriented institutions.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 providing performance of a mosque-based Islamic financing program to reduce dependency on conventional moneylenders.
Downloads
References
Aboyassin, N. A., & Sultan, M. A. F. (2017). The Role of Human Resources Training in Improving the Employee’s Performance: Applied Study in the Five Stars Hotels in Jordan. International Journal of Business Administration, 8(5). [link]
Ali, M., Supiandi, Padlurahman, & Mulianah, B. (2022). The Role of Social Capital in Reducing the Level of Non-performing Loans: A Case Study on the Mawar Emas Program of West Nusa Tenggara. International Journal of Health Sciences, 6(S9), 856–865. [link]
Bara, A., & Pradesyah, R. (2021). Mosque Financial Management in the Pandemic Covid 19. Proceeding International Seminar on Islamic Studies, 2(1). [link]
Badan Pusat Statistik NTB. 2020. Persentase Penduduk Menurut Kabupaten/Kota dan Agama yang Dianut. [link]
Badan Pusat Statistik NTB. 2020. Persentase Penduduk Miskin di NTB. [link]
Bhowmik, P. K., & Sarker, N. (2021). Loan growth and bank risk: empirical evidence from SAARC countries. Heliyon, 7(5). [link]
Desta, A. G. (2021). Linking human resource training and development, employee commitment and job satisfaction: The moderation role of the work environment. International Journal of Management, Entrepreneurship, Social Science and Humanities, 4(1). [link]
Dicks, B., Mason, B., Coffey, A., & Atkinson, P. (2011). Qualitative Research and Hypermedia. In Qualitative Research and Hypermedia. [link]
Erina, I., Ozolina-Ozola, I., & Gaile-Sarkane, E. (2015). The Importance of Stakeholders in Human Resource Training Projects. Procedia - Social and Behavioral Sciences, 213. [link]
Istan, M. (2017). Pengentasan Kemiskinan Melalui Pemberdayaan Ekonomi Umat Menurut Persfektif Islam. AL-FALAH: Journal of Islamic Economics, 2(1). [link]
Kumpikait?, V. (2007). Human resource training evaluation. Engineering Economics, 55(5). [link]
Kurniawan, R. R. (2021). Dampak Riba Menurut Al-Quran dan Hadist. Ulumul Qur’an: Jurnal Ilmu Al-Qur’an Dan Tafsir Volume, x. [link]
Latif, H. (2020). Bahaya Riba dalam Perspektif Hadis. Jurnal Ilmiah Al-Mu’ashirah, 17(2). [link]
Lestari, D. (2018). International Journal of Economics and Financial Issues Corporate Governance, Capital Reserve, Non-Performing Loan, and Bank Risk Taking. International Journal of Economics and Financial Issues, 8(2). [link]
Miles, M., & Huberman, A. (2014). Miles and Huberman. In Qualitative Data Analysis: An expanded sourcebook. [link]
Mohamed, I. S., Aziz, N. H. A., Masrek, M. N., & Daud, N. M. (2014). Mosque Fund Management: Issues on Accountability and Internal Controls. Procedia - Social and Behavioral Sciences, 145. [link]
Muttalib, A., & Siwi, I. (2021). Pemberdayaan UMKM berbasis Masjid Melalui Program Mawar Emas di Kota Mataram. Jurnal Econetica: Jurnal Ilmu Sosial, Ekonomi, Dan Bisnis, 3(1), 19–26. [link]
Nasyi’ah, E. Z., & Safitri, E. A. (2021). Edukasi Pentingnya Pembukuan bagi Para Pelaku Usaha Mikro Kecil Menengah (UMKM). Jurnal Pembelajaran Pemberdayaan Masyarakat (JP2M), 2(3). [link]
Qian, X., & Wu, Q. (2021). Local gambling preferences and bank risk–taking: Evidence from China. Economic Modelling, 105. [link]
Rupasingha, A., Crown, D., & Pender, J. (2019). Rural business programs and business performance: The impact of the USDA’s Business and Industry (B&I) Guaranteed Loan Program. Journal of Regional Science, 59(4). [link]
Said, J. (2020). Development of Urban Architecture the Time of the Prophet Muhammad PBUH in Madinah Period. [link]
Sari, C. T., & Indriani, E. (2017). PENTINGNYA PEMBUKUAN SEDERHANA BAGI KELOMPOK UMKM KUB MURAKABI DESA NGARGOYOSO. WASANA NYATA, 1(1). [link]
Sarwan, Pratiwi, D., & Alfian. (2020). Accountability and Transparency of Fund Management of Baiturrahman Mosque in West Sumatra. Journal of Critical Reviews, 7(13). [link]
Sistem Informasi Masjid. (2021). Jumlah Masjid di Indonesia. Kementerian Agama Indonesia. [link]
Sugiharto, S., Kirowati, D., & Amir, V. (2019). Analysis of Mosque Financial Management to Optimization the Role of Mosque in Advancing Communities Using Critical Ethnomethodology Studies. Jurnal AKSI (Akuntansi Dan Sistem Informasi), 4(2). [link]
Supandi, A. F. (2019). Model Pengembangan Zakat Produktif di Masjid Jamiâ€TM Al-Baitul Amien Jember sebagai Pemberdayaan Ekonomi Umat. Mabsya: Jurnal Manajemen Bisnis Syariah, 1(2). [link]
Supiandi, Azizurrohman, M., & Habibi, P. (2022). Manfaat Program Melawan Rentenir Berbasis Masjid (Mawar Emas) terhadap. Jurnal Ilmiah Mandala Education (JIME), 8(2), 2442–9511. [link]
Supiandi, S., Pramuja, R. A., & Azizurrohman, M. (2022). Reducing dependence on moneylenders with Mawar Emas Program. International Journal of Health Sciences, 417–428. [link]
The Pew Research Center. (2020). How People Around the World View Religion’s Role in Their Country. [link]
Utama, R. D. R., Fitrandasari, Z., Arifin, M., & Muhtadi, R. (2018). Can Mosque Fund Management fot Community Economic Empowerment? An Exploratory Study. International Journal of Islamic Business Ethics, 3(2). [link]
van Dijk, T. A. (2019). Macrostructures: An interdisciplinary study of global structures in discourse, interaction, and cognition. In Macrostructures: An Interdisciplinary Study of Global Structures in Discourse, Interaction, and Cognition. [link]
Wahyudin, D. (2020). Mosque and Civilization: Setting Islamic Center of Nusa Tenggara Barat as Center of Civilization. NALAR: Jurnal Peradaban Dan Pemikiran Islam, 4(1). [link]
Wartoyo, W., Kholis, N., Arifin, Ah. A., & Syam, N. (2022). The Contribution of Mosque-Based Sharia Cooperatives to Community Well-Being Amidst the COVID-19 Pandemic. IQTISHADIA, 15(1), 21. [link]
W?odarczyk, B., Szturo, M., Ionescu, G. H., Firoiu, D., Pirvu, R., & Badircea, R. (2018). The impact of credit availability on small and medium companies. Entrepreneurship and Sustainability Issues, 5(3). [link]
Yap, F. D. (2019). Implementation of bookkeeping practices in micro-enterprises. Asia Pacific Higher Education Research Journal, 6(1). [link]

Downloads
Published
Issue
Section
License
Copyright (c) 2022 Supiandi Supiandi, Risky Angga Pramuja, Sri Budi Cantika Yuli, Muhammad Yakub, Baiq El Badriati

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License 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 journal's 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).