Identifikasi Pola Pengelolaan Dana Sosial Perbankan Syariah Di Indonesia: Sebuah Tinjauan Literatur
Abstract
Berdasarkan amanah Undang-Undang No. 21 tahun 2008 tentang perbankan syariah, bahwa perbankan syariah ditunjuk untuk menjalankan fungsi sosial. Tujuan penelitian ini adalah untuk mengetahui bagaimana pola pengelolaan dana sosial di perbankan syariah. Penilitian ini dilakukan dengan jenis penilitian kualitatif dengan pendekatan studi pustaka (library research). Hasil penilitian ini menunjukan bahwa pengelolaan dana sosial difokuskan pada pengumpulan dan pendistribusian. Pengelolaan dana sosial Bank Syariah bersumber dari dana zakat, infak, sedekah, wakaf dan hibah dihimpun dari pegawai bank syariah, nasabah bank syariah dan masyarakat umum. Pendistribusian dana sosial Bank Syariah ada dua ragam, penyaluran dana sosial melalui LAZ internal yaitu Bank Syariah Mandiri, Bank Muamalat Indonesia (BMI), BNI Syariah, dan BTN Syariah. Sedangkan penyaluran dana sosial yang melalui LAZ eksternal Bank Syariah salah satunya melalui Badan Amil Zakat Nasional (BAZNAS) yaitu BCA Syariah, BRI Syariah, Bank Mega Syariah, dan Bank Victoria Syariah. Penyaluran dana sosial melalui LAZ internal di dominasi program pemberdayaan ekonomi, pendidikan, dan kesehatan. Sedangkan penyaluran dana sosial yang melalui LAZ eksternal di dominasi program pendidikan, kesehatan dan keagamaan. ada perbedaan dari kedua ragam pola pengelolaan dana sosial Bank Syariah yakni pada pelaporan pengelolaan dana sosial, ragam kegiatan dan Mekanisme Pendistribusian Dana sosial. Â
Keyword: Pengelolaan, Dana Sosial, Perbankan Syariah
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