Maximizing the Role of Micro Waqf Banks as an Alternative Platform for Financial Inclusion in Amboina City

The purpose of this study is to maximize the role of Micro Waqf Bank (BWM) as an alternative financial inclusion platform for micro entrepreneurs in Ambon City. Field research with a qualitative descriptive approach was conducted to describe the phenomenon of micro entrepreneurs who received business capital assistance from Al-Anshor Peduli Ambon BWM, both in terms of receipt, management and income by collecting data through observation, interviews and documentation. Qualitative analysis using financial inclusion indicators proposed by the Financial Services Authority, namely Access, Use, and Quality. Research shows that from the access indicator, micro entrepreneurs spread across Ambon City are limited by distance, and minimal socialization and information from Al Anshor Peduli Ambon BWM, an exclusive institution. The usage indicator, it was found that the management of waqf funds by entrepreneurs is decreasing day by day. The use of waqf funds by entrepreneurs is not yet focused. The quality indicator, the use of waqf funds by micro entrepreneurs has not shown any changes in terms of products sold or income levels. The waqf funds used are simply to survive

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Publication Details

Journal
Journal of International Conference Proceedings
Published
2025-01-10
DOI
https://doi.org/10.32535/jicp.v7i3.3727
Primary Topic
Islamic Finance and Banking Studies
Type
article
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article

Maximizing the Role of Micro Waqf Banks as an Alternative Platform for Financial Inclusion in Amboina City

Mohammad H. Holle, Binti Nur Asiyah, Salma Saimima, Muhammad Rifai Muhrim
Journal of International Conference Proceedings
Islamic Finance and Banking Studies
article

Maximizing the Role of Micro Waqf Banks as an Alternative Platform for Financial Inclusion in Amboina City

Mohammad H. Holle, Binti Nur Asiyah, Salma Saimima, Muhammad Rifai Muhrim
article en

Abstract

The purpose of this study is to maximize the role of Micro Waqf Bank (BWM) as an alternative financial inclusion platform for micro entrepreneurs in Ambon City. Field research with a qualitative descriptive approach was conducted to describe the phenomenon of micro entrepreneurs who received business capital assistance from Al-Anshor Peduli Ambon BWM, both in terms of receipt, management and income by collecting data through observation, interviews and documentation. Qualitative analysis using financial inclusion indicators proposed by the Financial Services Authority, namely Access, Use, and Quality. Research shows that from the access indicator, micro entrepreneurs spread across Ambon City are limited by distance, and minimal socialization and information from Al Anshor Peduli Ambon BWM, an exclusive institution. The usage indicator, it was found that the management of waqf funds by entrepreneurs is decreasing day by day. The use of waqf funds by entrepreneurs is not yet focused. The quality indicator, the use of waqf funds by micro entrepreneurs has not shown any changes in terms of products sold or income levels. The waqf funds used are simply to survive

Journal of International Conference ProceedingsVol. 7(3)
Institut Agama Islam Negeri Bengkulu (ID), Universitas Tulungagung (ID)
Reduced inequalities
Openalex Percentile: Top 95%
Islamic Finance and Banking Studies
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Maximizing the Role of Micro Waqf Banks as an Alternative Platform for Financial Inclusion in Amboina City — Mohammad H. Holle, Binti Nur Asiyah, et al. · Journal of International Conference Proceedings (2025) | TGRS Research Map | TGRS