Perpustakaan Digital ITB

Church communities in Indonesia often face a dilemma in providing financial assistance, caught between exclusionary formal credit systems and charity-based aid that can create dependency. This research addresses this gap by designing a faith-based peer-to-peer lending model that is both empowering and rooted in community values. Utilizing a qualitative approach, this study conducts a thematic analysis of in-depth interviews with 15 stakeholders across seven distinct groups within a GKI church community. The findings reveal four interconnected themes: the critical need for a human-centered process that preserves member dignity and ensures confidentiality; the unanimous demand for a formal, professional, and accountable governance framework to support relational trust; a shared vision for an empowering and sustainable alternative to predatory loans; and a pragmatic awareness of the financial and social risks that must be managed. The primary contribution of this research is the Hope-Centered Financial Aid Model, a tangible "high-trust, high-structure" framework whose core innovation is the "5Cs of Hope" (Character, Capacity, Commitment, Community, Context), a faith-based assessment standard that replaces traditional credit metrics. This model provides a feasible and faithful solution for churches to leverage their social and spiritual capital, balancing professional management with pastoral care to foster genuine empowerment.