Empowerment-Based of Mosque Finance Management Model to Increase The Ummah's Economy

This research conducted in Salman mosque, located on jalan STM no 12, Sitirejo II, Medan Amplas subdistrict. The data sources obtained from the interview with the administrator, in this case, BKM (Mosque Welfare Agency) of Salman Mosque, secretary and treasurer of the mosque. Regarding the fund management system, the funds of the mosque are deposited in Bank Syariah Mandiri on behalf of the Salman Mosque, that under the responsibility of the chief and treasurer of BKM of Salman Mosque. The organization structure of the mosque is good enough, which already has AD/ART (basic budget/household budget) and complete organization structure that are appropriate with other mosques in general. For the SWOT analysis, the strengths are the location of the mosque which is located on STM busy main road so that many congregants who are travelers or who are from around Medan city come to pray at the mosque, there are young mosque activists who are adept on technology, and mosque facilities and infrastructures that are adequate. The weaknesses are the lack of mosque development, the absence of mosque publication on social media and the lack of active participation of the elected mosque administrators. The mosque has opportunities to obtain a great source of funding because of a large number of congregants visit the mosque. The thing that can be said as a threat is because many street vendors in front of the mosque gate make the outside area of mosque gate filled with garbage from street vendors who are trading in front of the gate. So far there have been no programs that lead to empowering the ummah or congregations around the mosque. From the result of FGD (Focus Grup Discussion), the mosque financial management model was programmed based on ummah empowerment by establishing a Mosque-Owned Enterprises such as opening a mart or shop that provides daily needs of the ummah with a congregational business model where interested congregants are encouraged to have shares in the mart like the concept of cooperation, with the result that the profit will come back to the mosque congregants. Thus, the business model becomes a fair and transparent business to all members by their contribution. For the long-term investment, the mosque can also build multipurpose buildings, which can be rented for various events, such as social gatherings or weddings; the mosque can also provide catering packages and chairs to complement the facilities. For the problem of the difficulty of finance access for the lower society, shari’a-based microfinance can be formed to help to develop the businesses of productive poor members who have a business, the organization can be Baitul Maal Wat Tamwil (BMT) or Koperasi Syariah (Shari’a-based Cooperation) and Bank Wakaf Mikro (BWM) (Micro Wakaf Bank) which has been supported and approved by the OJK (Financial Service Authority) with loan and funding worth Rp1 million-Rp 5 million without bail or collateral under the program of group lending Grameen Bank