ANALISA SWOT WAKAF UANG DALAM PEMBERDAYAAN UMKM
DOI:
https://doi.org/10.34005/elarbah.v9i1.5165Abstract
). This study examines the transformative potential of cash waqf as an instrument for empowering Micro, Small, and Medium Enterprises (MSMEs) in Indonesia through a comprehensive SWOT analysis. The research background stems from the low accessibility of MSMEs to financing capital and the significant untapped potential of cash waqf. Utilizing a descriptive qualitative approach, the research employed in-depth interviews, documentation studies, and content analysis. Findings reveal the strategic significance of cash waqf in economic empowerment, with key strengths including collateral-free financing and flexible Sharia-compliant agreements. Institutional literacy limitations and infrastructure constraints emerge as primary weaknesses. The study identifies opportunities such as the Muslim-majority population and government support, while highlighting economic instability and limited comprehensive regulations as primary threats. An innovative cash waqf utilization model is proposed, considering social, economic, and spiritual dimensions. Key recommendations include developing digital platforms, implementing Islamic financial literacy programs, and creating supportive policies for waqf-based MSME ecosystems.
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