Optimalisasi Intermediasi dan Pembiayaan BMT Menuju Pemberdayaan Ekonomi Masyarakat
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Published:
Sep 1, 2014
Keywords:
Empowerment, intermediation, financing.
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Abstract
This article seeks to discuss the economic empowerment of society through the optimalization of BMT?s function of intermediating and financing. Using a descriptive and qualitative approach, this article reveals that the success of economic empowerment should be supported by strategy, tactics and stepping. The program should also be implemented through segmentation and training of clients, providing human resources that understand the vision and mission of empowerment, optimizing BMT?s function of intermediating, and providing a coordinated tool of saving. Intermediation is conducted through developing economic potentials of Muslim community (ummah), improving the quality of human resources, mobilizing societal resources, bridging the relation between the rich and the poor and between the fund owners and users, coaching and balancing in terms of financial support.
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Ulum, Fahrur. “Optimalisasi Intermediasi Dan Pembiayaan BMT Menuju Pemberdayaan Ekonomi Masyarakat”. Islamica: Jurnal Studi Keislaman 9, no. 1 (September 1, 2014): 161-192. Accessed April 20, 2024. https://islamica.uinsby.ac.id/index.php/islamica/article/view/208.
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References
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Ritzer, George., dan Goodman, Douglas J. Teori Sosiologi, terj. Nurhadi. Yogyakarta: Kreasi Wacana, 2008.
Simon, B.L. ?Rethinking Empowerment?, Journal of Progressive Human Services, Vol. 1(1), 1990.
Sumber: Dokumen BMT Ar-Ridho Trenggalek 2014.
Sumber: Neraca BMT Ar-Ridho per 30 Nopember 2014.
Sumiyanto, Ahmad. BMT Menuju Koperasi Modern. Solo: ISES Publishing, 2008.
Sutrisno. Menuju Masyarakat Partisipatif. Yogyakarta: Penerbit Kanisius, 2005.
Yaman? (al), Muhammad b. ?Al? b. Muhammad b. ?Abd All?h al-Shawk?n?. Fath al-Qad?r, Vol. 5. Damaskus: D?r Ibn Kath?r, 1994.
Wawancara
Erlinawati, Ika. Wawancara. Trenggalek, 12 Desember 2014.
-----. Wawancara. Trenggalek, 16 April 2015.
Hardina. Wawancara. Trenggalek, 12 Desember 2014.
Saputra, Hardina. Wawancara. Trenggalek, 18 Desember 2014.
Bayd?w? (al), N?sir al-D?n Ab? Sa??d ?Abd All?h b. ?Umar b. Muhammad al-Sh?r?z?. Anw?r al-Tanz?l wa Asr?r al-Ta?w?l, Vol. 3. Beirut: Muassasah Sha?b?n, t.th.
Al-Harran, S. ?Islamic Finance Needs A New Paradigm?, New Horizon, Vol. 48, Feb, 1990.
B?q? (al), Fu??d ?Abd. Mu?jam al-Mufahras li Alf?z al-Qur??n al-Kar?m. Beirut: D?r al-Fikr, 1981.
Behdad, Sohrab. ?Property Rights in Contemporary Islamic Economic Thought: A Critical Perspective?, Review of Social Economy, Summer, Vol. 47, No. 2, 1999.
Dahl, Robert. Democracy and Its Critics. New Haven Conn: Yale University Press, 1983.
Dhumale, R., dan Sapcanin, A. An Aplication of Islamic Banking Principles to Microfinance. United Nations Development Program, Regional Bureau for Arab States, New York, 1998.
Drijver, C. dan Sajise, P. Community-Based Resource Management and Environmental Action Research, dalam Proceedings of the Experts? Workshop on Community Based Resource Management: Perspectives, Experiences and Policy Issues, Los Banos, Philippines (UPLB), Environmental and Resource Management Project & UPLB., 1993.
el-Gamal, Mahmoud A. Islamic Finance: Law, Economic, and Practice. Cambridge: Cambridge University Press, 2006.
El-Komi, Mohammed., dan Groson, Rachel. ?Experiments in Islamic Microfinance?, Journal of Economic Behavior and Organization, Vol. 83, No. 2, 2012.
Fatwa DSN No: 15/DSN-MUI/IX/2000 tentang Prinsip Distribusi Hasil Usaha dalam LKS.
Friedmann, John. Empowerment: the Politics of Alternative Development. Cambridge Mass: Blackwell Publisher, 1992.
Gruber, J. dan Trickett, E.J. ?Can We Empower Others? The Paradox of Empowerment in the Governing of an Alternative Public School?, American Journal of Community Psychology, Vol. 15(3), 1987.
Huda, Nurul., dan Heykal, Muhammad. Lembaga Keuangan Islam: Tinjauan Teoritis dan Praktis. Jakarta: Kencana Prenada Media Group, 2010.
Hulme, David., dan Turner, M. Sociology of Development: Theories, Policies, and Practices. Hertfordshire: Harvester Whearsheaf, 1990.
Ife, Jim. Community Development: Creating Community Alternatives-Vision, Analysis and Practice. Australia: Longmann, 1995.
Ilmi SM, Makhalul. Teori dan Praktek Lembaga Mikro Keuangan Syariah. Yogyakarta: UII Press, 2002.
Jawhar?, Tant?w?. al-Jaw?hir f? Tafs?r al-Qur??n al-Kar?m. Damaskus: D?r al-Fikr, t.th.
Karim, Adiwarman. Bank Islam Analisis Fiqih dan Keuangan. Jakarta: RajaGrafindo, 2004.
Kartasasmita, Ginanjar. Pembangunan untuk Rakyat. Jakarta: Pustaka Gramedia, 1995.
Katz, R. ?Empowerment and Synergy: Expanding the Community?s Healing Resources,? Prevention in Human Services, Vol. 3, Winter-Spring, 1984.
Kieffer, C. H., Citizen Empowerment: A Developmental Perspective, Prevention in Human Service, Vol. 3, USA, 1984.
Kiuk, Johanis. ?Kinerja Pemasaran: Antesendens dan Konsekwensi Sebuah Model Teoritikal Dasar, Jurnal Sains Pemasaran Indonesia, Vol. 5, No. 1, 2007.
Kondalkar, V.G. Organizational Behaviour. New Delhi: New Age International Publisers, 2007.
Korten, David C. People Centered Development: Reflections on Development Theory and Methods. Manila: ADB, 1992.
Lewin, Kurt. Field Theory in Social Science: Selected Theoretical Papers. D. Cartwright (ed.). New York: Harper dan Row, 1951.
Nawawi, Ismail. Pembangunan dalam Perspektif Islam: Kajian Ekonomi, Sosial, dan Budaya. Surabaya: Putra Media Nusantara, 2009.
Nyadin, ?Prospek Bisnis di Koperasi Jasa Keuangan Shar??ah Baitul Mal Wa Tamwil dan Peluang Kerja Bagi Alumni Program Ekonomi Shar??ah?, Makalah dipresentasikan di IAIN Sunan Ampel Surabaya, 27 Desember 2011.
Paul, Samuel. ?Community Participation in Development Projects-The World Bank Experience?, dalam M. Bamberger (compiler), Readings in Community Participation, Vol. 1. The Economic Development Institute of the World Bank, Washington, DC, 1986.
Pusat Inkubasi Bisnis Usaha Kecil. BMT sebagai Alternatif Model Lembaga Keuangan Mikro: LKM. Jakarta: Pusat Inkubasi Bisnis Usaha Kecil, t.th.
Pranarka, A.M.W., dan Moeljarto, Vidhyandika. Pemberdayaan: Konsep, Kebijakan, dan Implementasi. Jakarta: CSIS, 1996.
Ritzer, George., dan Goodman, Douglas J. Teori Sosiologi, terj. Nurhadi. Yogyakarta: Kreasi Wacana, 2008.
Simon, B.L. ?Rethinking Empowerment?, Journal of Progressive Human Services, Vol. 1(1), 1990.
Sumber: Dokumen BMT Ar-Ridho Trenggalek 2014.
Sumber: Neraca BMT Ar-Ridho per 30 Nopember 2014.
Sumiyanto, Ahmad. BMT Menuju Koperasi Modern. Solo: ISES Publishing, 2008.
Sutrisno. Menuju Masyarakat Partisipatif. Yogyakarta: Penerbit Kanisius, 2005.
Yaman? (al), Muhammad b. ?Al? b. Muhammad b. ?Abd All?h al-Shawk?n?. Fath al-Qad?r, Vol. 5. Damaskus: D?r Ibn Kath?r, 1994.
Wawancara
Erlinawati, Ika. Wawancara. Trenggalek, 12 Desember 2014.
-----. Wawancara. Trenggalek, 16 April 2015.
Hardina. Wawancara. Trenggalek, 12 Desember 2014.
Saputra, Hardina. Wawancara. Trenggalek, 18 Desember 2014.