ZISMART : Platform Pembinaan Desa Sebagai Upaya Peningkatan Kesejahteraan Masyarakat Berbasis Digital Technology
Main Article Content
Abstract
UMKM is a sector that is the backbone of the Indonesian economy. It is proven that the number of MSMEs in 2017 amounted to 62,922,617 units from 62,928,077 business units in Indonesia. However, from this very large number, 60% -70% of UMKM in Indonesia cannot access financing. Then Indonesia is the country with the largest number of mosques in the world, reaching 800,000. However, there are still many mosques that have not been managed properly, especially in the management of Zakat, Infaq, and Alms. In fact, if managed properly, the mosque's ZIS has the potential to be able to overcome UMKM financing problems. In addition, technological developments that are getting easier to reach also provide a role, where the management of this mosque can be done easily, effectively and efficiently through fintech. In this study, the authors provide the ZISMART innovation, which is a platform that bridges capital UMKM actors. Distribution to UMKM is also inseparable from the element of assistance, both UMKM in need economically and spiritually by KSEI volunteers as academics. With the existence of a community contract, all components that play a role in the distribution of these funds become clear and no one feels disadvantaged. The purpose of writing this paper is as a solution to the economic problems of the UMKM community through the pentahelix system which can help maximize the role of mosques for financing MSMEs, improving the welfare of the community and UMKM, and increasing Islamic financial literacy & inclusion in the UMKM sector. the author is a descriptive analysis with a qualitative approach.
Downloads
Article Details
This work is licensed under a Creative Commons Attribution 4.0 International License.
References
Aziz Muslim. (2019). “MANAJEMEN PENGELOLAAN MASJID”, Aplikasia, JumalAplikasi llmu-ilmu Agama, Vol. V, No. 2, 105-114
Azwar Iskandar dkk. (2020). “Peran Ekonomi dan Keuangan Sosial Islam Saat Pandemi Covid-19”, SALAM; Jurnal Sosial & Budaya Syar-i FSH UIN Syarif Hidayatullah Jakarta, Vol. 7 No. 7, 625-638
Badan Pusat Statistika. (2019). Jumlah Penduduk Miskin Menurut Provinsi Tahun 2007-2019. Jakarta: BPS.
CNN Indonesia. (2020). Ekonom Ungkap Ketimpangan Stimulus Corona UMKMvs Pengusaha. Diakses pada 10 Maret 2021, dari https://www.cnnindonesia.com/ekonomi/20200610203826-532-511998/ekonomungkap-ketimpangan-stimulus-corona-umkm-vs-pengusaha
Herdiyan. (2019). Fintech Buka Akses Permodalan Pelaku UMKM. Diakses pada 10 Maret 2021, dari https://finansial.bisnis.com/read/20190308/89/897345/fintechbuka-akses-permodalan-pelaku-umkm
iNews.id. (2019). JK: Jumlah Masjid di Indonesia Mengalami Kemajuan Luar Biasa. https://www.inews.id/news/nasional/jk-jumlah-masjid-diindonesia-mengalami-kemajuan-luar-biasa, diakses pada 11 Maret 2021.
Kemenag RI. (2017). Kementerian Agama RI dalam Angka Tahun 2016. Jakarta: Biro Hububgan Informasi, Data, dan Informasi.
Kominfo. (2020). Terjadi Pergeseran Penggunaan Internet selama Masa Pandemi. https://kominfo.go.id/content/detail/26060/terjadi-pergeseran-penggunaaninternet-selama-masa-pandemi/0/berita_satker, diakses 11 Maret /2021.
Ridwanullah, A. I. & Herdiana, D. (2018). “Optimalisasi Pemberdayaan Masyarakat Berbasis Masjid”, Academic Journal For Homiletic Studies, 12, 82-98.
Riska Rahman, “37,000 SMEs hit by COVID-19 crisis as government prepares aid,” The Jakarta. https://www.thejakartapost.com/news/2020/04/16/37 000- smes-hit-by-covid-19-crisis-as-governmentprepares-aid.html, diakses pada 12 Maret 2021.
Sudirman. (2017). Zakat Dalam Pusaran Arus Modernitas. Malang: UIN-Malang Press.
UNDP. (2020). Sustainable Development Goals. https://sustainabledevelopment.un.org/sdg, diakses pada 10 Maret 2021.
Wikipedia. (2019). Indonesia. https://id.wikipedia.org/wiki/Indonesia, diakses pada 10 Maret 2021.
World Bank. (2018). Financial Inclussion. https://www.worldbank.org/en/topic/financialinclussion/overview, diakses pada Kamis, 12 Maret 2021.