{"id":4027,"date":"2024-06-26T02:38:39","date_gmt":"2024-06-26T02:38:39","guid":{"rendered":"https:\/\/www.ukm.my\/jcil\/?page_id=4027"},"modified":"2024-07-01T03:16:03","modified_gmt":"2024-07-01T03:16:03","slug":"jcil-2024-91-article-7","status":"publish","type":"page","link":"https:\/\/www.ukm.my\/jcil\/jcil-2024-91-article-7\/","title":{"rendered":"JCIL 2024 9(1) Article 7"},"content":{"rendered":"

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JUNE 2024<\/p>\n

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Membasmikan Kemiskinan Dalam Kalangan Usahawan Asn\u0101f Melalui Kewangan Sosial Islam: Iktibar Dari Baitul Mal Aceh<\/p>\n

<\/span><\/span><\/span><\/b><\/span><\/span><\/strong>Eradicating Poverty Among Asn\u0101f Entrepreneurs Through Islamic Social Finance:\u00a0Lessons from Baitul Mal Aceh<\/h3>\n

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Mohd. \u2018<\/span>Adli<\/span> Zahri<\/span><\/span>,<\/span><\/span><\/span><\/span>\u00a0<\/strong>
<\/strong>Pusat Pengajian Sains Kemasyarakatan<\/span>, <\/span>Universiti Sains Malaysia<\/span>
Nooramira<\/span> Ghazali<\/span><\/span>,<\/span><\/strong>
<\/strong><\/span><\/span><\/span>Fakulti Pengajian Umum dan Pendidikan Lanjutan<\/span>, <\/span>Universiti Sultan Zainal Abidin<\/span>
Mohamad <\/span>Shaharudin<\/span> Samsurijan<\/span><\/span>\u200b<\/span><\/span><\/span>\u200b<\/span>,<\/span><\/strong>
<\/strong><\/span><\/span>Pusat Pengajian Sains Kemasyarakatan<\/span>, <\/span>Universiti Sains Malaysia<\/span>
Zahri<\/span> Hamat<\/span><\/span>\u200b<\/span><\/span><\/span>\u200b<\/span>,<\/span><\/strong>
<\/strong><\/span><\/span>Fakulti Ekonomi dan Pengurusan<\/span>, <\/span>University<\/span> College<\/span> Bestari<\/span>
Nurul <\/span>Ilyana<\/span> Muhd<\/span> Adnan<\/span><\/span>, <\/span><\/strong>ilyana_adnan@ukm.edu.my<\/span><\/em>
<\/strong><\/span><\/span><\/span><\/span>Research<\/span> Centre<\/span> for<\/span> Sharia<\/span>, <\/span>Faculty<\/span> of<\/span> Islamic <\/span>Studies<\/span>, Universiti Kebangsaan Malaysia<\/span>
<\/span>Received: March 29, 2024 | Revised: June 19, 2024 | Accepted: June 20, 2024 | Published: June 30, 2024<\/p>\n

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2024, Vol. 9(1), pp. 60-69. \u00a0| \u00a0<\/span>PDF<\/a><\/p>\n

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Artikel ini menganalisis impak kewangan sosial Islam dalam membasmi kemiskinan melalui bantuan modal kewangan daripada dana zakat melalui <\/span>mikrokredit<\/span> kepada usahawan <\/span>asn\u0101f<\/span> oleh Baitul Mal <\/span>Aceh<\/span> (BMA). Di Malaysia, bantuan modal kewangan percuma daripada dana zakat kepada usahawan <\/span>asn\u0101f<\/span> sering menghadapi cabaran. Kajian ini meneroka bagaimana bantuan modal kewangan BMA menyumbang kepada kejayaan usahawan <\/span>asn\u0101f<\/span>. Data daripada temu bual dengan 16 usahawan <\/span>asn\u0101f<\/span> dianalisis secara <\/span>tematik<\/span> untuk memahami impak bantuan modal kewangan terhadap permulaan perniagaan mereka dan <\/span>pemerkasaan<\/span> ekonomi keseluruhan. Analisis menunjukkan bahawa bantuan modal kewangan ini sangat membantu dalam menyediakan modal permulaan bagi perniagaan, seterusnya meningkatkan modal tambahan. Selain itu, ia menawarkan syarat pembayaran balik pinjaman yang lebih lentur, merangsang semangat keusahawanan di kalangan usahawan <\/span>asn\u0101f<\/span>, memberikan peluang untuk meningkatkan pendapatan dan akhirnya menyumbang secara langsung kepada usaha pembasmian kemiskinan. Perbahasan mencadangkan bahawa model <\/span>mikrokredit<\/span> BMA berkesan dalam <\/span>memberdayakan<\/span> usahawan <\/span>asn\u0101f<\/span> dan mengurangkan kemiskinan. Ini menekankan keperluan sokongan kewangan yang <\/span>terstruktur<\/span> dalam rangka kerja kewangan sosial Islam dan mencadangkan agar model serupa diterima pakai oleh Majlis Agama Islam Negeri (MAIN) di Malaysia.<\/span><\/span>\u00a0<\/span><\/p>\n

KATA KUNCI
K<\/span>emiskinan, bantuan modal kewangan, usahawan <\/span>asn\u0101f<\/span>, kewangan sosial Islam<\/span><\/p>\n

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This<\/span> article<\/span> examines<\/span> the<\/span> impact<\/span> of<\/span> Islamic <\/span>social<\/span> finance<\/span> in <\/span>eradicating<\/span> poverty<\/span> through<\/span> the<\/span> provision<\/span> of<\/span> financial<\/span> capital<\/span> assistance<\/span> from<\/span> zakat <\/span>funds<\/span> via <\/span>microcredit<\/span> to<\/span> asn\u0101f<\/span> entrepreneurs<\/span> by<\/span> Baitul Mal <\/span>Aceh<\/span> (BMA). In Malaysia, <\/span>the<\/span> provision<\/span> of<\/span> free<\/span> financial<\/span> capital<\/span> assistance<\/span> from<\/span> zakat <\/span>funds<\/span> to<\/span> asn\u0101f<\/span> entrepreneurs<\/span> often<\/span> encounters<\/span> challenges<\/span>. <\/span>This<\/span> study<\/span> investigates<\/span> how<\/span> BMA’s<\/span> financial<\/span> capital<\/span> assistance<\/span> contributes<\/span> to<\/span> the<\/span> success<\/span> of<\/span> asn\u0101f<\/span> entrepreneurs<\/span>. Data <\/span>from<\/span> interviews<\/span> with<\/span> 16 <\/span>asn\u0101f<\/span> entrepreneurs<\/span> were<\/span> thematically<\/span> analyzed<\/span> to<\/span> understand<\/span> the<\/span> impact<\/span> of<\/span> financial<\/span> capital<\/span> assistance<\/span> on<\/span> their<\/span> business<\/span> startups<\/span> and<\/span> overall<\/span> economic<\/span> empowerment<\/span>. <\/span>The<\/span> analysis<\/span> indicates<\/span> that<\/span> financial<\/span> capital<\/span> assistance<\/span> significantly<\/span> helps<\/span> provide<\/span> initial<\/span> capital<\/span> for<\/span> business<\/span> startups<\/span>, <\/span>thereby<\/span> increasing<\/span> additional<\/span> capital<\/span>. <\/span>It<\/span> also<\/span> offers<\/span> more<\/span> flexible<\/span> loan<\/span> repayment<\/span> terms<\/span>, <\/span>stimulates<\/span> entrepreneurial<\/span> spirit <\/span>among<\/span> asn\u0101f<\/span> entrepreneurs<\/span>, <\/span>and<\/span> provides<\/span> opportunities<\/span> to<\/span> enhance<\/span> income<\/span>, <\/span>ultimately<\/span> contributing<\/span> directly<\/span> to<\/span> poverty<\/span> eradication<\/span> efforts<\/span>. <\/span>The<\/span> discussion<\/span> suggests<\/span> that<\/span> BMA’s<\/span> microcredit<\/span> model <\/span>effectively<\/span> empowers<\/span> asn\u0101f<\/span> entrepreneurs<\/span> and<\/span> alleviates<\/span> poverty<\/span>. <\/span>This<\/span> highlights<\/span> the<\/span> need<\/span> for<\/span> structured<\/span> financial<\/span> support<\/span> within<\/span> Islamic <\/span>social<\/span> finance<\/span> frameworks<\/span> and<\/span> recommends<\/span> that<\/span> similar<\/span> models<\/span> be<\/span> adopted<\/span> by<\/span> the<\/span> State<\/span> Islamic <\/span>Religious<\/span> Council<\/span> (SIRC) in Malaysia.<\/span><\/span>\u00a0<\/span><\/p>\n

KEYWORDS
P<\/span>overty<\/span>, <\/span>financial<\/span> capital<\/span> assistance<\/span>, <\/span>asn\u0101f<\/span> entrepreneurs<\/span>, Islamic <\/span>social<\/span> finance<\/span><\/span>\u00a0<\/span> <\/span><\/p>\n

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