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

Authors

  • Supiandi Supiandi Universitas Nahdlatul Ulama Nusa Tenggara Barat, Mataram, Indonesia
  • Risky Angga Pramuja Universitas Muhammadiyah Malang, Malang, Indonesia
  • Sri Budi Cantika Yuli Universitas Muhammadiyah Malang, Malang, Indonesia
  • Muhammad Yakub Universitas Nahdlatul Ulama Nusa Tenggara Barat, Mataram, Indonesia
  • Baiq El Badriati Universitas Islam Negeri Mataram, Mataram, Indonesia

DOI:

https://doi.org/10.20414/jed.v4i2.6500

Keywords:

Evaluation, Mawar Emas, Moneylenders, Performance, West Nusa Tenggara

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 Several aspects of this program must be evaluated, including increased funding, defaults, training delivery, outdated data, and the presence of profit-oriented institutions.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 providing performance of a mosque-based Islamic financing program to reduce dependency on conventional moneylenders.

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Author Biographies

Supiandi Supiandi, Universitas Nahdlatul Ulama Nusa Tenggara Barat, Mataram, Indonesia

Supiandi Supiandi is a lecturer at Economics Department, Universitas Nahdlatul Ulama Nusa Tenggara Barat, Indonesia. His research interests include economics, tourism, international trade, and business.

Risky Angga Pramuja, Universitas Muhammadiyah Malang, Malang, Indonesia

Risky Angga Pramuja is a lecturer at Economics and Business Department, Universitas Muhammadiyah Malang, Indonesia. His research interests include economics, business, and management.

Sri Budi Cantika Yuli, Universitas Muhammadiyah Malang, Malang, Indonesia

Sri Budi Cantika Yuli is a lecturer at Economics and Business Department, Universitas Muhammadiyah Malang, Indonesia. Her research interests include human resource management, business ethics, organization culture, islamic economics, and islamic finance.

Muhammad Yakub, Universitas Nahdlatul Ulama Nusa Tenggara Barat, Mataram, Indonesia

Muhammad Yakub is a lecturer at Economics Department, Universitas Nahdlatul Ulama Nusa Tenggara Barat, Indonesia. His research interests include economics, tourism, international trade, and business.

Baiq El Badriati, Universitas Islam Negeri Mataram, Mataram, Indonesia

Baiq El Badriati is a lecturer at Islamic Economics and Business Department, Universitas Islam Negeri Mataram, Indonesia. Her research focused on economics and women empowerment.

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Published

2022-12-26

How to Cite

Supiandi, S., Pramuja, R. A., Yuli, S. B. C., Yakub, M., & El Badriati, B. . (2022). Assessing performance of Mawar Emas as a mosque-based Islamic financing program. Journal of Enterprise and Development (JED), 4(2), 292–304. https://doi.org/10.20414/jed.v4i2.6500

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Regular Articles