Dinamika Kinerja BMT di Indonesia dan Komitmennya terhadap Nilai-Nilai Islam: Studi BMT Daarut Tauhiid Bandung, Indonesia

Kurnia Asni Sari

doi:10.36256/ijrs.v1i2.28

Dinamika Kinerja BMT di Indonesia dan Komitmennya terhadap Nilai-Nilai Islam: Studi BMT Daarut Tauhiid Bandung, Indonesia

Kurnia Asni Sari

Abstract

Sharia Microfinance Institutions in Indonesia since 1995 is an attempt to internalize Islamic values in entrepreneurial activities at financial institutions at the micro-community level. With case study approach to a BMT in Indonesia, this study is different with the previous studies which consider that institutions or companies in Indonesia only undertake the efforts of religious commodification of religious symbols that are in demand in the Indonesian market. This study argues that BMT Daarut Tauhiid Bandung in Indonesia as an Islamic financial institutions are committed to Islamic values both in the product and management of the company, although this commitment has an impact on the decline in company performance. The results of the study show that although BMT Daarut Tauhiid Bandung has decreased in corporate performance, this company can maintain its commitment to Islamic values, especially in its financial products. This shows that the BMT is not only focusing its efforts on the commodification of religious activities but also retains religious values in its business.

Keywords

Islamic microfinance institutions; BMT; company performance

Full Text:

PDF

References

Anshori, A. G. (2008). Sejarah Perkembangan Hukum Perbankan Syariah di Indonesia dan Implikasinya bagi Praktik Perbankan Nasional. Jurnal Fakultas Hukum UII, 2(2), 159-172.

Antonio, M. S. (2001). Bank Syariah dari Teori ke Praktik. Jakarta: Gema Insani Press.

Baskara, I. G. K. (2013). Lembaga Keuangan Mikro di Indonesia. Buletin Studi Ekonomi.

Beckert, J (2010) How Do Fields Change? The interrelation of institutions, networks, and cognition in the dynamics of market. Organization Studies 31(05) 605–627. https://doi.org/10.1177/0170840610372184

Boubekeur, A. (2016). Islamic Business and Muslim Entrepreneurs Networks in Europe: Performing Transnational Modernity and Overcoming Marginalization. Contemporary Islam, 10(3), 421-432. https://doi.org/10.1007/s11562-016-0358-2

Christopher, C. A. (2011). Religion in Entrepreneurship: How International and Indigenous Indian Entrepreneurs Differ. International Journal of Entrepreneurship and Small Business, 13(4), 411-428. https://doi.org/10.1504/IJESB.2011.041836

Fealy, G., & White, S. (2008). Expressing Islam: Religious life and politics in Indonesia. Institute of Southeast Asian Studies.

Foziaa, M., Rehmana, A., & Farooq, A. (2016). Entrepreneurship and Leadership: An Islamic Perspective. International Journal of Economics, Management and Accounting, 24(1), 15.

Irfan, L. A. (2008). Sejarah Ekonomi Islam: Perkembangan Panjang Realitas Ekonomi Islam. Yogyakarta: Safiria Insania Press Bekerjasama dengan MSI UII.

Nwankwo, S., Gbadamosi, A., & Ojo, S. (2012). Religion, Spirituality and Entrepreneurship. Society and Business Review, 7(2), 149-167. https://doi.org/10.1108/17465681211237619

Otoritas Jasa Keuangan, Statistik Perbankan Syariah, Desember 2018

Mahyudi, M. (2015). Reviving The Islamic Economic System Through Shariah-Based Public Policy. Humanomics, 31(4), 415-429. https://doi.org/10.1108/H-06-2015-0037

Masyithoh, N. D. (2014). Analisis Normatif Undang-Undang No. 1 Tahun 2013 Tentang Lembaga Keuangan Mikro (Lkm) Atas Status Badan Hukum Dan Pengawasan Baitul Maal Wat Tamwil (Bmt). Economica: Jurnal Ekonomi Islam, 5(2), 17-36.

Kumpulan Laporan Pertanggungjawaban Pengelolaan dan Pengawasan Koperasi Tahun Buku 2016-2018

Roundy, P. T., Taylor, V. A., & Evans, W. R. (2016). Founded by Faith: Social Entrepreneurship as A Bridge Between Religion and Work. Journal of Ethics & Entrepreneurship, 6(1), 13. Available at SSRN: https://ssrn.com/abstract=2738511

Rudnyckyj, D. (2009). Spiritual Economies: Islam and Neoliberalism in contemporary Indonesia. Cultural Anthropology, 24(1), 104-141. https://doi.org/10.1111/j.1548-1360.2009.00028.x

Winario, M., & Fuaddi, H. (2017). Penyuluhan Baitul Mal Wat Tamwil (BMT) di Desa Karya Indah Kec. Tapung, Kab. Kampar. Jurnal Pengabdian Masyarakat Multidisiplin, 1(1), 23-31.

DOI: https://doi.org/10.36256/ijrs.v1i2.28