Reformulasi Peraturan Hukum Lembaga Keuangan Mikro Syariah Di Indonesia

Muhtarom, Muhammad

doi:10.23917/profetika.v17i01.2103

Cited by 4 publications

(3 citation statements)

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“…For Islamic Microfinance Institutions that apply sharia principles and financial institutions, especially micro Waqf banks, this policy encourages fund providers to open their fund distribution taps more widely (Wowoho, 2014). In Indonesia, the micro Waqf bank is the channeling party of funds included in the IKNB group (Muhtaron, 2016).…”

Section: Policy Impacts On Micro Waqf Banks In Indonesiamentioning

confidence: 99%

Policy analysis of micro Waqf banks in Indonesia

Aransyah

Noor

Abdullah

2022

JES

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This article aims to understand the Indonesian Government's efforts in making policies to handle the development of micro Waqf banks in Indonesia. The handling strategy can be assessed by understanding the policies formulated and implemented by the Indonesian Government. This study used a deliberative policy analysis approach, and data were collected through a literature study. The results of this study conclude 1) management for groups that can avoid misuse of loan funds and disbursement of funds not on target; 2) training and mentoring can build management commitment and customer enthusiasm to build a more advanced business; 3) with the financing method without collateral, the Islamic financial system does not collect deposits, low yields, and fast and easy administrative processes such as Islamic banking. Combining these three factors optimizes the performance of the micro Waqf bank in economic empowerment and community productivity. It helps increase the income and welfare of the community around the pesantren (Islamic boarding school).

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Section: Policy Impacts On Micro Waqf Banks In Indonesiamentioning

confidence: 99%

Policy analysis of micro Waqf banks in Indonesia

Aransyah

Noor

Abdullah

2022

JES

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“…Lembaga Keuangan Mikro (LKM) yang merupakan bagian dari industri "keuangan non bank (IKNB) dapat diklasifikasikan kedalam 2 kategori IKNB yaitu IKNB konvensional dan IKNB syariah (Wiwoho, 2014). Bersamaan dengan IKNB konvensional, IKNB syariah juga merupakan industri dalam bidang kegiatan yang berkaitan dengan aktivitas di industri dana pensiun, asuransi, pembiayaan dan lembaga jasa keuangan lainya, namun dalam pelaksanaannya berbasis Islam atau tidak bertentangan dengan" prinsip syariah (Muhtaron, 2016).…”

Section: A Pendahuluanunclassified

Kebijakan Model Bisnis Bank Wakaf Mikro Sebagai Solusi Pemberdayaan Ekonomi Masyarakat

Disemadi

Roisah

2019

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Kehadiran Bank Wakaf Mikro (BWM) sebagai bagian dari Lembaga Keuangan Mikro diharapkan mampu mengurangi ketimpangan dan kemiskinan di masyarakat. BWM sebagai lembaga keuangan bertujuan untuk memberikan kemudahan dalam memeberikan permodalan serta pembiayaan kepada masyarakat berpenghasilan menengah kebawah dan usaha mikro, kecil dan menengah (UMKM). Tujuan penelitian ini dimaksudkan untuk memberikan gambaran mengenai kebijakan (regulasi) mekanisme kerja BWM sebagai solusi pemberdayaan ekonomi masyarakat. Penelitian ini merupakan penelitian doktrinal, yaitu penelitian yang menggunakan metode penelitian hukum normatif (normative legal research). Hasil dari penelitian ini menunjukan bahwa pendirian BWM saat ini masih berdasarkan Undang-Undang tentang Lembaga Keuangan Mikro dengan menerapkan prinsip syariah dalam pengoperasiannya. Hadirnya kebijakan terkait BWM bertujuan untuk memberikan landasan hukum dalam pengoperasionalisasinya. Kehadiran BWM merupakan dukungan yang komprehensif dalam upaya” mendorong pemberdayaan ekonomi masyarakat dan UMKM yang terkendala akses pendanaan ke lembaga keuangan formal.

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“…The establishment of Islamic financial institutions is a implementation of the understanding of Muslims to the principles of muamalah and Islamic economic law (Muhtarom, 2016). It is believed that Islamic Microfinance Institutions (IMFIs) are expanding too rapidly.…”

Section: Introductionmentioning

confidence: 99%

The Problem of Murabaha Financing of Islamic Microfinance Institution and The Handling Strategies in Indonesia: A Literature Review

Alam,

Ratnasari,

Makkawi

et al. 2023

JAM

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Indonesia is a country with the largest Muslim population in the world and has extraordinary potential in the amount and assets of Islamic microfinance and can be a reference for the application of Islamic Microfinance in other countries. The purpose of this study was to review the problems in murabaha financing at Islamic Microfinance Institution (IMFI) and the treatments. The approach used was a qualitative analysis of Indonesian literature studies about the specific type of murabaha financing with content analysis and thematic analysis techniques. This study found that internal and external factors caused problematic murabaha financing in BMT. Internal factors include the inaccuracy of BMT in 5C (Character, Capacity, Capital, Collateral, and Condition), lack of supervision, procedures violations, facilities and infrastructure, and lack of human resources (HR). Meanwhile, external factors include bad customers, unexpected circumstances of customers, lack of customer income, inflation, and government policies. The actions done by the BMTs to overcome problematic murabaha financing were by implementing BMT guidelines for prospective customers, preventing and repressive supervising, applying a democratic leadership style, applying fines, rescheduling, restructuring and reconditioning write off, auction of collateral, and legal actions. This study recommends strengthening financing selection by improving human resource skills and also variations in handling murabaha financing with a humanist approach.

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Reformulasi Peraturan Hukum Lembaga Keuangan Mikro Syariah Di Indonesia

Cited by 4 publications

References 0 publications

Policy analysis of micro Waqf banks in Indonesia

Policy analysis of micro Waqf banks in Indonesia

Kebijakan Model Bisnis Bank Wakaf Mikro Sebagai Solusi Pemberdayaan Ekonomi Masyarakat

The Problem of Murabaha Financing of Islamic Microfinance Institution and The Handling Strategies in Indonesia: A Literature Review

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