Islamic Microfinance Institutions Performance Evaluation Model Based on Mobadala Conception, Gender Equity, and Social Inclusion
DOI:
https://doi.org/10.54471/iqtishoduna.v14i1.2916Keywords:
microfinance, mobadala, gender equity, social inclusionAbstract
This research aims to evaluate the performance of Islamic Microfinance Institutions (IMFIs) based on gender justice and social inclusion. This research focuses on IMFIs in 3 cities: Jepara, Kudus and Demak. Data collection techniques were carried out through observation, interviews, primary data documentation and secondary data collection in the form of financial reports. This research uses a decision support system tool, the Simple Additive Weighting (SAW) method, to measure the financial performance of Islamic banks from a gender perspective. The research results show (1) Apart from quantitative performance measurements, IMFIs need to consider qualitative measurement aspects, such as gender justice and social inclusion; (2) Preparation of a strategy model for evaluating IMFIs performance based on gender justice & social inclusion; (3) The proposed ranking model is an adaptation model for the Maqosid Syariah Index ranking by adding gender justice conception items to the construct in performance evaluation as part of the principles of Iqomatul Adli and elements of Al-Maslahah. Mobadalah-based gender justice is a theoretical concept that pursues fairness and reciprocity in granting rights and fair treatment of all individuals, regardless of sex or gender identity.
Downloads
References
Africa, North. 2018. "A Research Framework of the Halal Certification Role in Purchase Intention of Muslim Consumers on the Food Products from Muslim Majority Countries in The Middle East and North Africa." International Journal 1(2):15–28.
Agustina, Chandra. 2012. "Selection of Promotional Media Using the Analytic Hierarchy Process (AHP) Method Case Study: BSI Magelang." Paradigm 14(1).
Anshori, Isa. ”Maqashid asy-Syarīʽah sebagai Landasan Etika Gelobal”, Jurnal Hukum Islam-Kopertis Wilayah IV Surabaya, No. 01, Vol. 01 (Maret, 2009).
Asmuni Mth, “Zakat Profesi dan Upaya Menuju Kesejahteraan Sosial”, La Riba-Jurnal Ekonomi Islam, No. 1, Vol. I (Juli, 2007).
Bakri, Asafri Jaya. 1996. Konsep Maqāṣid Syariʽah Menurut al-Syāṭibi. Jakarta: Raja Grafindo Persada.
Beik, Irfan Syauqi. “Tiga Dimensi Zakat”, Iqtishodia-Jurnal Ekonomi Islam Republika, (29 Juli, 2010).
Ditjen Bimas Islam dan Urusan Haji Departemen Agama RI. 2002. Buku Pedoman Zakat. Jakarta: Ditjen Bimas Islam dan Urusan Haji Depag RI.
----------. 2003. Peraturan Perundang-undangan Pengelolaan Zakat. Jakarta: Direktorat Bimas Islam dan Penyelenggaraan Haji Depag RI.
Ghazali, Imam. al-Mustasyfa. 1937. Kairo: al-Maktabah at-Tijāriyyah al-Kubra.
Hawkins, Joyce M. 1996. Kamus Dwi Bahasa Inggris-Indonesia, Indonesia-Inggris. Oxford-Erlangga.
Jauziyah, Ibnu Qayyim al-. 1423 H. Iʽlāmu al-Muwaqqiʽīn ʽan Rabb al-ʽālamīn. Dammam: Dār Ibn al-Jauzi.
Jumantoro, Totok dan Samsul Munir Amin. 2005. Kamus Ilmu Ushul Fiqh. Jakarta: Amzah.
Kahf, Munzir. “The Performance of Institution of Zakah in Theory and Practice”, paperpada acara the International Confrence on Islamic Economics Towards the 21st Century, Kuala Lumpur, 26-30 April 1999.
Miftah, A. A. ”Pembaharuan Zakat untuk Pengentasan Kemiskinan di Indonesia”, Innovatio, No. 14, Vol. VII (Juli-Desember, 2008).
Muṣṭafa, Ibrahim dkk. 1972. al-Muʽjamu al-Wasiṭ. Mesir: Dār al-Maʽārif.
Qadir, Abdurrahman. 1998. Zakat dalam Dimensi Mahdhah dan Sosial. Jakarta: Raja Grapindo Persada.
Qarḍāwi, Yusuf al-. 1985. Musykilatu al-Faqr wa Kaifa ʽĀlajaha al-Islām. Beirut: Mu’assasah ar-Risālah.
Qarḍāwi, Yusuf al-. 1995. al-ʽIbādah fi al-Islām. Kairo: Maṭbaʽah al-Madani.
Ridwan, Muhammad. 2005. Manajemen Baitul Maal Wa Tamwil (BMT). Yogyakarta: UII-Press.
Yustika, Ahmad Erani dan Jati Andrianto. “Zakat, Keadilan dan Keseimbangan Sosial”, Zakat & Empowering-Jurnal Pemikiran dan Gagasan, No. 4, Vol. I (Agustus, 2008).
Zagibah, Izzuddin ibn. 1996. al-Maqaṣid al-ʽĀmmah li asy-Syarīʽah al-Islāmiyyah. Kairo: Dār aṣ-ṣafwah.
Abdullah, Agung. “Measuring Islamic Bank’s Performance Using CAMELS And RGEC Method Based On Indonesian Financial Services Authority Circular.” Journal of Business Management Review 1, no. 4 (2020): 248–258.
Antonio, Muhammad Syafii, Sugiyarti Fatma Laela, and Thuba Jazil. “Abu Zahrah’S Maqasid Sharia Model As a Performance Measurement System.” Jurnal Akuntansi Multiparadigma 11, no. 3 (2020): 519–541.
Ariyanda, Bima. “Analisis Kinerja Keuangan Pada PT. Bank Syariah Mandiri Dengan Metode Economic Value Added (EVA).” (2020): 102. http://etd.iain-padangsidimpuan.ac.id/6427/1/1640100199.pdf.
Ashraf, Ali, M. Kabir Hassan, and William J.Hippler III. “Performance of Microfinance Institutions in Muslim Countries.” Humanomics 30, no. 2 (2014): 162–182.
Asmorowati, Sulikah. “Dampak Pemberian Kredit Mikro Untuk Perempuan: Analisis Pengadopsian Model Grameen Bank Di Indonesia.” Masyarakat, Kebudayaan dan Politik 20, no. 3 (2007): 1–190.
Aziz, Abdul. “Relasi Gender Dalam Membentuk Keluarga Harmoni (Upaya Membentuk Keluarga Bahagia).” HARKAT: Media Komunikasi Islam Tentang Gebder dan Anak 12, no. 2 (2017): 1–11. https://journal.uinjkt.ac.id/index.php/psga/article/view/7713/4288.
Basid, Abd, and Syukron Jazila. “Tinjauan Konsep Mubadalah Dan Tafsir Maqashidi.” Islamic Review: Jurnal Riset dan Kajian Keislaman 12, no. April (2023): 117–132.
Blanco-Oliver, A. J., A. I. Irimia-Diéguez, and M. J. Vázquez-Cueto. “Is There an Optimal Microcredit Size to Maximize the Social and Financial Efficiencies of Microfinance Institutions?” Research in International Business and Finance 65, no. May (2023).
Chmelíková, Gabriela, Annette Krauss, and Ondřej Dvouletý. “Performance of Microfinance Institutions in Europe—Does Social Capital Matter?” Socio-Economic Planning Sciences 68 (December 1, 2019).
Dahal, Mahesh, and Nathan Fiala. “What Do We Know about the Impact of Microfinance? The Problems of Statistical Power and Precision.” World Development 128 (April 1, 2020).
Ferdousi, Farhana. “Impact of Microfinance on Sustainable Entrepreneurship Development.” Development Studies Research 2, no. 1 (2015): 51–63.
Haitomi, Faisal, Maula Sari, Universitas Islam, Negeri Sunan, and Kalijaga Yogyakarta. “Dan Implikasinya Terhadap Relasi Gender.” Substantia: Jurnal Ilmu-Ilmu Ushuluddin Volume 23 Nomor 1, April 2021 23, no. April (2021): 78–89. https://jurnal.ar-raniry.ac.id/index.php/substantia.
Hazmi, Faiqul, and Zahrotun Nafisah. “Evaluasi Dampak Penyaluran Pembiayaan Mikro Syariah Pada Kesetaraan, Keadilan Gender Dan Inklusi Sosial.” Jurnal Tabarru’ : Islamic Banking and Finance Volume 4, no. 1 (2021): 99–112.
———. “Evaluasi Dampak Penyaluran Pembiayaan Mikro Syariah Pada Kesetaraan, Keadilan Gender Dan Inklusi Sosial.” Jurnal Tabarru’ : Islamic Banking and Finance 4, no. 1 (2021): 99–112.
Hermes, Niels, and Robert Lensink. “Microfinance: Its Impact, Outreach, and Sustainability.” World Development 39, no. 6 (June 2011): 875–881.
Ismawan, Bambang, and Setyo Budiantoro. Keuangan Mikro: Sebuah Revolusi Tersembunyi Dari Bawah. Jakarta: Gema PKM Indonesia, 2005.
Kashif, Muhammad, Khan Durrani, Muhammad Imran Malik, Ph D Scholar, and Shafiq Ahmad. “Role of Micro Finance in Reducing Poverty : A Look at Social and Economic Factors.” International Journal of Business and Social Science 2, no. 21 (2011): 138–144.
Kodir, Faqihuddin Abdul. Qira’ah Mubadalah (Tafsir Progresif Untuk Keadilan Gender Dalam Islam). Yogyakarta: IRCiSod, 2019.
Labie, Marc, Pierre Guillaume Méon, Roy Mersland, and Ariane Szafarz. “Discrimination by Microcredit Officers: Theory and Evidence on Disability in Uganda.” Quarterly Review of Economics and Finance 58 (2015): 44–55. http://dx.doi.org/10.1016/j.qref.2015.05.002.
Masyita, Dian, and Habib Ahmed. “Why Is Growth of Islamic Microfinance Lower Than Its Conventional Counterparts in Indonesia ?” Islamic Economic Studies 21, no. 1 (2013): 35–62.
Matt D’Angelo. “Microfinance: What Is It, and Why Does It Matter?” Waltham, August 6, 2022. https://www.businessnewsdaily.com/4286-microfinance.html.
Mersland, Roy, Trond Randøy, and Reidar Øystein Strøm. “The Impact of International Influence on Microbanks’ Performance: A Global Survey.” International Business Review 20, no. 2 (April 2011): 163–176.
Mohammed, Mustafa Omar, and Abdul Razak Dzuljastri. “The Performance Measures of Islamic Banking Based on the Maqasid Framework.” In IIUM International Accounting Conference (INTAC IV), 1967:53–57, 2005.
Musyafaah, Nur Lailatul, Yeni Novitasari, and Tri Leli Rahmawati. “Division the Husband and Wife Roles to Live a Domestic Life During the Pandemic Covid 19 in the Mubadala Perspective.” Ulul Albab: Jurnal Studi dan Penelitian Hukum Islam 5, no. 1 (2022): 19.
Mutia, Evi, and Nastha Musfirah. “Pendekatan Maqashid Shariah Index Sebagai Pengukuran Kinerja Perbankan Syariah Di Asia Tenggara (Maqashid Sharia Index Approach as Performance Measurement of Sharia Banking in Southeast Asia).” Jurnal Akuntansi dan Keuangan Indonesia 14, no. 2 (2017): 181–201. www.ey.com.
Norma, Md. Saad , Jarita, Duasa. “Determinants of Economic Performance of Micro-Credit Clients and Prospect of Islamic Microfinance in Malaysia.” ISRA International Journal Of Islamic Finance 2, no. 1 (2010): 113–130.
Othman, Muhamad Badri. “Role of Women in Achieving Shared Prosperity: An Impact Study of Islamic Microfinance in Malaysia.” Procedia - Social and Behavioral Sciences 211 (November 2015): 1043–1048.
Puspitasari, Anita, Didit Purnomo, and Triyono Triyono. “Penggunaan Data Envelopment Analysis (DEA) Dalam Pengukuran Efisiensi Bank Umum Syari’ah Di Indonesia.” BISNIS : Jurnal Bisnis dan Manajemen Islam 5, no. 2 (2018): 293.
Rasel, Md Ali, and Sandar Win. “Microfinance Governance: A Systematic Review and Future Research Directions.” Journal of Economic Studies. Emerald Group Holdings Ltd., October 23, 2020.
Rismawati, Shinta Dewi. “Partisipasi Perempuan Dalam Pusaran Pembangunan Daerah ( Telaah Kritis Atas Kendala Dan Solusi ).” MUWÂZÂH 4, no. 1 (2012): 104–118.
Rismawati, Shinta Dewi, Irham Baihaqii Thoha, Supomo Ari Sasongko, and Iain Pekalongan. “Geliat Ecofeminisme Pedesaan Dalam Pelestarian Lingkungan ( Studi Kasus Di Desa Curug Muncar Pekalongan )” 10 (2017): 1–24.
Robinson, Marguerite S. The Microfinance Revolution : Sustainable Finance for the Poor. World Bank, 2001.
Rokhman, Wahibur. “The Effect of Islamic Microfinance on Poverty Alleviation: Study in Indonesia.” Economic Review: Journal of Economics and Business 11, no. 2 (2013): 21–30. http://hdl.handle.net/10419/193826.
Santoso, Lukman Budi. “Eksistensi Peran Perempuan Sebagai Kepala Keluarga (Telaah Terhadap Counter Legal Draf-Kompilasi Hukum Islm Dan Qira’ah Mubadalah).” Marwah: Jurnal Perempuan, Agama dan Jender 18, no. 2 (2020): 107.
Saputra, Mulia, N Nadirsyah, and M Khaidir. “Analisis Perbandingan Pengukuran Kinerja Keuangan, Dan Analisis Tren Antara Bank Syariah Dan Bank Konvensional.” Jurnal Ekombis 2 (2020): 84–90.
Saputri, Erma Yuliani. “Peran Wanita Sebagai Kepala Keluarga Dalam Melaksanakan Fungsi Keluarga Di Kelurahan Sungai Merdeka Kecamatan Samboja.” eJournal Sosiatri-Sosiologi 4, no. 2 (2016): 212–226.
Sholihah, R A, S Nurani, and ... “Akuntansi Kesalingan: Rekonstruksi Akuntansi Rumah Tangga Perspektif Mubadalah.” Imanensi: Jurnal Ekonomi … 8, no. 2 (2023): 63–76. https://www.jurnal.fordebi.or.id/index.php/home/article/view/225%0Ahttps://www.jurnal.fordebi.or.id/index.php/home/article/download/225/110.
Strøm, Reidar Øystein, Bert D’Espallier, and Roy Mersland. “Female Leadership, Performance, and Governance in Microfinance Institutions.” Journal of Banking and Finance 42, no. 1 (May 2014): 60–75.
Suryanto &, and Muttaqin. Zaenal. “Potensi Lembaga Keuangan Mikro (Micro Finance) Dalam Pengembangan Perekonomian Jatinangor Menuju Masyarakat Ekonomi Asean (MEA) Tahun 2015” (2015).
Syafii, Muhammad, Yulizar D Sanrego, and Muhammad Taufiq. “An Analysis of Islamic Banking Performance : Maqashid Index Implementation in Indonesia and Jordania.” Journal of Islamic Finance 1, no. 1 (2012): 12–29.
Wijayati, Mufliha, Elfa Murdiana, and Agus Hamdani. “Jalan Terjal Menuju Perguruan Tinggi Responsif Gender : Lesson Learned Program Perencanaan Dan Penganggaran Responsif Gender IAIN Metro.” Ijougs: Indonesia Journal of Gender Studies 3, no. 1 (2018): 25–53.
Yusriana Asri, Ziyan, and Indal Abror. “Hadith of Women Leadership in the Qira’ah Mubadalah Approach.” Jurnal Living Hadis 6, no. 1 (2021): 73.
Zakiyah. “Pemberdayaan Perempuan Oleh Lajnah Wanita Dan Putri Al-Irsyad Surabaya.” Analisa XVII, no. 01 (2010): 37–56.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Faiqul Hazmi, Cahyaning Budi Utami, Munasir, Raden Ramadhan Priyo Prasetyo
This work is licensed under a Creative Commons Attribution 4.0 International License.
The journal can be accessed publicly, which means that all content is provided freely accessible without charge to either the user or the institution. Users are allowed to read, download, copy, distribute, print, search, or cite to the full text of the article did not have to ask permission from the publisher or author.
