Pemberdayaan Lembaga Keuangan Syariah Dalam Meningkatkan Peran Inklusi Keuangan

Abstract

With a large number of unbanked people in Indonesia, innovative access to Financial Inclusion is needed. Financial inclusion activities that aim to eliminate all forms of obstacles both in the way of prices and non-prices of public access to use or utilize financial services. Community Service - PKM, this time aims to increase the role of the financial services sector, especially to the owners, top management, and employees of several LKMS (Sharia Microfinance Institutions) - Sharia Rural Banks (BPRS), as executors or performers of financial activities inclusive which will have an impact on improving the welfare of the dhu'afa community, poverty alleviation and regional / regional economic development. This PKM is followed by the owner, top management, and employees of BPRS members as ASBISINDO - Indonesian Sharia Bank Association located in Greater Jakarta. The method used is to provide training through lectures, discussions, and questions and answers, then carried out focus group discussions and the distribution of questionnaires. The results show that the quality and speed of sharia banking services must continue to be improved, among others, by developing reliable and adaptive information technology. To accelerate the development of Islamic financial inclusion, it can be done by establishing a micro waqf bank or working together with Micro Sharia Financial Institutions (LKSM) such as Baitul Mal Wattamwil (BMT) or Islamic financial services cooperatives (KKJS), while maintaining prudential principles. BPRS is expected to continue to develop and monitor the implementation of Islamic financial inclusion through microfinance without collateral, qardhul hasan financing, or joint liability through group leaders or financing thaharah for low-income people.Keywords: Financial Inclusion, Unbanked - no bank account, LKMS - Islamic Microfinance Institution, Financial Services.

Examining an Islamic Financial Inclusivity and Its Impact on Fundamental Economic Variables in Indonesia (An Approach of Static Panel Data Analysis)

“…This verse explains that wealth does not only revolve among the rich, but those who are deficient in finances can benefit from a decentralized circulation of money. According to Masnita et al, (2020) which provided an opinion that assets that are squandered by rich people should be diverted to micro-financing without collateral, qardhul hasan financing or joint responsibility through group leaders or thaharah financing for low-income people. So that this can stimulate Islamic financial inclusion on an ongoing basis through collaboration with academics, practitioners, the Financial Services Authority (OJK), Islamic boarding school leaders, and community leaders through mentoring methods.…”

Analisis Restrukturisasi Dalam Penyelesaian Pembiayaan Mudharabah Bermasalah (Studi Kasus Pada PT. BPRS Al-Washliyah Medan)

“…Sedangkan aktifitas lending (pembiayaan) yakni aktifitas pemberian fasilitas penyediaan dana untuk memenuhi kebutuhan pihak-pihak yang merupakan defisit unit. (Masnita et al, 2020) BPRS Al-Washliyah menyalurkan dana yang sudah terkumpul dari nasabah ke berbagai usaha kecil dan menengah termasuk juga untuk kebutuhan konsumtif yang dikemas dalam produk pembiayaan mudharabah, murabahah, ijarah, dan ijarah multijasa. Pemberian jasa perbankan dalam bentuk pembiayaan, sering kali tidak dapat dihindarkan adanya permasalahan atau yang dalam dunia perbankan dikenal dengan pembiayaan bermasalah (non performing-finance ).…”

A Decade of Islamic Banking Research: Bibliometric Review with Biblioshiny and Vosviewer

“…Researchers have begun exploring new and innovative aspects of Islamic banking, including its role in improving financial inclusion (Masnita et al, 2020;Nengsih, 2015), Potential to Support Sustainable Development (Risal, 2019;Sukardi, 2016), and its impact on financial stability (Ulfa, 2021). In addition, research on Islamic banking can also provide views on how the principles of Sharia-based finance can be applied to the financial industry at large.…”