Perilaku Rentenir dan Kegiatan Sosial Ekonomi: Studi Kasus Di Bo-gor

Rinda, Rachmatullaily Tinakartika; Aminda, Renea Shinta

doi:10.32832/inovator.v9i1.3015

Cited by 3 publications

(2 citation statements)

References 6 publications

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“…Indonesia's territory consists of tens of thousands of villages on more than 13 thousand islands, indicating that most of the poor live in rural areas. The very limited profile of the village, with the lack of access to financial and marketing institutions, causes the economy in the village to be dominated by moneylenders (Rinda and Aminda, 2020) and middlemen (Elysia et al , 2016). In such conditions, poverty in society will be difficult to eradicate.…”

Section: Literature Reviewmentioning

confidence: 99%

Financing innovation for sustainable supply chain management in social business: a case of Qurban rituals in Indonesia

Abidin

Adawiyah

Shaferi

et al. 2023

JIABR

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Purpose Despite extensive research on supply chain management (SCM), the literature lacks a perspective to empirically assess the importance of poverty alleviation in social business. Using resources dependence theory, the purpose of this study is to analyze to ascertain whether financial innovation has a powerful solution for business sustainability and, hence, poverty alleviation in developing countries. This study reviews the financial innovations offered by Dompet Dhuafa Republika in integrated supply chain management (ISCM) of smallholder livestock business through Tebar Hewan Kurban (Spreading Sacrificial Animals) program to overcome capital and marketing problems at the farmer level and distribute Qurban meat to the recipients. Design/methodology/approach This study was conducted using descriptive qualitative method. The data were obtained through a field survey, by interviewing two crowdfunding-based investment companies, 250 partner farmers, program managers and assistants, marketing partners, donors/consumers/person who sacrifice and Mustahik (recipients of Qurban meat) involved in program implementation, using purposive sampling method. Focus group discussion was conducted with selected panelists to validate the results of the field survey. Findings The results of this study showed that the Tebar Hewan Kurban program provides greater benefits to farmers, while increasing the distribution of Qurban meat to be more equitable. The role of moneylenders and middlemen can also be eliminated. Donors feel satisfied because their goals are fulfilled in the Qurban ritual. Program implementers and investors also got decent returns. ISCM is very feasible to be developed on a wider scale, to improve the welfare of farmers or fishermen. Research limitations/implications This study used a set of samples of the assisted areas from only one institution, which may lead to institution-specific results. Although the sample is small, the results of this study are expected to provide new insights into the implementation of the Qurban, which will provide more profits and benefits for partner farmers. In broader practice, the program flow is worth considering compared to similar programs in other institutions, in Indonesia or abroad. Because of the COVID-19 pandemic situation, the field survey and focus group discussion were carried out online. Practical implications The results show that ISCM is able to increase the income of farmers. Practically, this program can be duplicated in similar institutions, as well as in government or non-government organizations, in Indonesia and abroad, that have the same context and activity. Social implications This study offers several social contributions by exploring how and why ISCM can eliminate the role of moneylenders and middlemen, increasing the small farmers' income, providing reasonable profits to parties involved in marketing and satisfying donors and equitable distribution of Qurban meat. Originality/value This study contributes to the literature by confirming the higher impact of ISCM in social business on poverty alleviation. Therefore, this paper provides an alternative solution to increase the income of small farmers through the supply of animals for Qurban or other religious rituals through ISCM arrangements.

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Section: Literature Reviewmentioning

confidence: 99%

Financing innovation for sustainable supply chain management in social business: a case of Qurban rituals in Indonesia

Abidin

Adawiyah

Shaferi

et al. 2023

JIABR

View full text Add to dashboard Cite

show abstract

“…Demikian pula, sosialisasi pemberian pinjaman pemerintah salah satunya ialah melalui koperasi, tidak sepenuhnya dipahami dan diketahui oleh publik sehingga banyak orang terpaksa meminjam pada rentenir dengan sistem yang mereka sepakati (Siboro 2015). Penelitianpenelitian lain yang menunjukkan hasil sama, diantaranya adalah Balachandran & Dhal (2018), Siboro (2015), Febrinasari et al (2019, Khairi (2018), Suryono et al (2015), Rinda & Aminda (2020), Jabeen (2019), serta Parlina (2017). Hassan & Rashid (2018) dalam studinya menyatakan beberapa solusi yang diterapkan Bangladesh.…”

Section: Rentenir Hanya Menyangkut Pinjaman Personalunclassified

Kredit Rentenir dan Silaturahmi

Pratiwi

Prajawati

Sagena

2020

Ekobis

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The study aims to analyze the meaning of debt according to the people of Kampung Kauman who prefer moneylenders than banks as their source of credit. This qualitative research uses a case study. Primary data were obtained through interviews with residents of Kampung Kauman, Pasrepan Village, Pasuruan Regency, East Java, which is located in an Islamic boarding school environment with a religious type of community. Secondary data in the form of details of the credit system to moneylenders. The sample used is saturated, i.e. all those who are credit members to loan sharks. Total informants numbered 21 of 30 households in Kauman Village. The results of this study indicate that the meaning of credit to loan sharks for the community in the study site environment is venture capital, a friendly place of association, mutual relief among credit members, and regarding usury laws on credit.

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The spirit of Islamic economics versus loan sharks: investigating intentions to use loan sharks in Aceh, Indonesia

Kamal,

Muslem,

Mulyadi

et al. 2024

JIMA

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Purpose This study aims to determine whether the relationship between the Muslim community and moneylenders is important even though the practice of moneylenders is clearly forbidden in Islam. This study examines a model consisting of two major theories, namely, the theory of planned behavior (TPB) and marketing theory, and the existence of the religiosity variable as a moderator. Design/methodology/approach This study uses a structural equation modeling (SEM); SEM was chosen because it has effectiveness in revealing estimates of direct and indirect effects and shows moderating values. Manual questionnaires were distributed to 385 Acehnese who use loan shark services. Findings The combination of TPB and marketing theory constructs has a significant influence on the intention to use loan shark services. Then, the existence of the word-of-mouth variable significantly mediates the relationship between service and subjective norms and the intention to use loan shark services. In fact, the position of the religiosity variable has a significant negative effect on the intention to use loan shark services, and in terms of the moderating effect, it has been demonstrated that religiosity weakens the relationships between the services provided by loan sharks and the intention to use loan shark services. Research limitations/implications This study has several limitations. First, sampling is still limited and can still be expanded. Second, it is difficult to get data and there are people who refuse to be sampled. Third, this study succeeded in capturing the phenomenon of the behavioral intentions of people who have a religious spirit but are still associated with moneylenders. Practical implications This research provides material implications for the Aceh Government, especially in managing public funds. Indeed, Aceh is a productive province that has produced policies and regulations that encourage the Sharia economy; it is just that the use of social funds and Islamic philanthropy in Aceh has not been maximized, which has led to the growth of a network of moneylenders. Because of this, Aceh, which has been successful in producing the law for Islamic financial institutions, should also be successful in destroying the moneylender network by synergizing to create alternatives and financial solutions for the community, especially the lower and middle classes. Social implications This research explains that the level of religiosity can dampen and reduce the intention to use loan shark services; therefore, it is important for the community to understand the dangerous impact of using loan shark services and expand the role of community leaders in socializing the idea of lending money to loan sharks. Originality/value Due to the lack of studies on the behavior of Muslims using the services of moneylenders, therefore, this study provides new knowledge of the literature on the economic behavior of Muslim communities who continue to use the services of moneylenders. This study develops TPB theory and marketing theory in one model and involves the religiosity variable as a moderator.

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Perilaku Rentenir dan Kegiatan Sosial Ekonomi: Studi Kasus Di Bo-gor

Cited by 3 publications

References 6 publications

Financing innovation for sustainable supply chain management in social business: a case of Qurban rituals in Indonesia

Financing innovation for sustainable supply chain management in social business: a case of Qurban rituals in Indonesia

Kredit Rentenir dan Silaturahmi

The spirit of Islamic economics versus loan sharks: investigating intentions to use loan sharks in Aceh, Indonesia

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