Institutional Strengthening of Local Community Savings and Loans Groups: A Comparative Study of Mosque-Based and Non-Mosque-Based

This study aimed to describe comparatively the institutions of mosque-based savings and loan groups and non-mosque-based savings and loan institutions. This study also described the institutional relationships of savings and loan groups and mosque institutions, implications, and forms of strengthening group institutions to be competitive, independent, and sustainable. Researchers collected data through observation, interviews, and focused group discussions. In analyzing the data, the researcher first did sorting, categorizing, and grouped according to the needs of the analysis. The results showed that the mosque-based savings and loan institution was formed on a close emotional relationship with fellow mosque congregations. Such groups are formed out of concern for helping fellow congregation members of the mosque. Meanwhile, non-mosque-based savings and loan groups were formed to submit a revolving fund loan to the management of the activity management unit. The relationship between savings and loan group institutions and harmonious mosque institutions makes mosque activities quite lively. Institutional strengthening of mosque-based savings and loan groups is related to strengthening worship; strengthening the understanding of Islamic teachings; strengthening religious social activities; strengthening social security; and strengthening productive economic business activities. Meanwhile, strengthening non-mosque-based savings and loan groups, in addition to strengthening forms such as mosque-based savings and loan institutions, also needs to strengthen group management.