DAMPAK PENYALURAN DANA INFAK SEBAGAI MODAL USAHA DALAM PEMBERDAYAAN EKONOMI ANGGOTA (STUDI KASUS PADA PROGRAM KOMUNITAS USAHA MANDIRI (KUM) YAYASAN DANA SOSIAL AL-FALAH SURABAYA)

Abstract

This goal of the research is to determine the effect of lending capital which comefrom creative-productive infaq for the members of Komunitas Usaha Mandiri, a program run by Yayasan Dana Sosial al-Falah. This research uses descriptive qualitative design and case study methods. The data was collected through field observations, interviews, and a documentation of four members in the komunitas Usaha Mandiri program in Surabaya city. The result shows that four informen had been experiencing the improvement of their sales turnover, profit, and the availability of goods after they got the working capital. A sustainableagenda and a set of training which conduted by KUM program were felt to be useful to enrich their religion base knowledge and the ability of enterpreneurship. Moreover, they were able to save and pay for infaq. So, it could be concluded that Komunitas Usaha Mandiri program has successfully develop the members business.