PENGEMBANGAN LEMBAGA PENGELOLA DANA BERGULIR SYARIAH DALAM MENDUKUNG USAHA MIKRO KECIL DAN MENENGAH DI INDONESIA
DOI:
https://doi.org/10.30997/jsei.v4i2.1502Keywords:
LPDB, Small micro enterprises, Interpretative Structural Model (ISM)Abstract
This study attempts to identify the factors of needs, activities and objectives in the development of revolving fund management institution (LPDB) sharia in Indonesia, using the Interpretative Structural Model (ISM) approach. The results of this study provide some conclusions include: (1) Elements of the needs of the key in LPDB sharia development strategy in Indonesia to improve SMEs is the need for strong support on internal condition of the institution; (2) Elements of activities that are key to LPDB Shariah development are to identify the problem faced by the member in the field and give some solutions, and (3) Elements of problem that maybe faced in LPDB sharia development in Indonesia is the changes on technology in business lanscape and economic, overallReferences
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Ascarya, Widyo G, Widodo C, Enny A, dan Ferry S, 2012. Strategi Meningkatkan Preferensi Perbankan Syariah Indonesia Dalam Menggunakan Pembiayaan Bagi- Hasil. Jakarta: Central Banking Education and Studies Department, Bank Indonesia.
Aslichan, Hubeis M, Sailah I. 2009. Kajian Penilaian Kesehatan dalam Rangka Mengevaluasi Kinerja Lembaga Keuangan Mikro Syariah Baitul Maal wat Tamwil, Jurnal Manajemen Pengembangan Industri Kecil Menengah Sekolah Pascasarjana IPB, 4(2), pp.195-205.
Banerjee, Abhijit V., Timothy Besley and Thimothy W. Guinnane (1994). Thy Neighbor’s Keeper: The Design of a Credit Cooperative with Theory and a Test. Quarterly Journal of Economics 109(2), 491-515.
Bank Indonesia,2015, Profil Bisnis Usaha Mikro, Kecil dan Menengah, Jakarta
Baskara Kajeng, 2013, Lembaga Keuangan Mikro di Indonesia, Jurnal bulletin Studi Ekonomi, Vol.18,No 2
Berita Negara Republik Indonesia,2017 Peraturan Kemek-kum No 08/Per/M.Kum/VII/2017
Bhattacharya, S., and Momaya, K. (2009). Interpretive Structural Modeling of Growth Enablers in Construction Companies. Singapore Management Review. ABI/INFORM Global: 73
Bolanos et.al. (2005). Using Interpretive Structural Modelling in Strategic Decision-Making Groups. Management Decision 43 (6): 877-895.
Devi, Abrista and Rusydiana, Aam Slamet (2016), “Islamic Group Lending Model (GLM) and Financial Inclusion”, International Journal of Islamic Business Ethics Vol. 1 No 1, pp. 80-94.
Fukuyama, Francis (2002). Social Capital and Development: The Coming Agenda. SAIS Review Vol. XXII No.1 (winter u/2013 spring 2002)
Gema PKK, (2003). Kemiskinan dan Keuangan Mikro. KPK
Gorvett, R. and Liu, N., 2007. Using interpretive structural modeling to identify and quantify interactive risks. Orlando – USA: ASTIN Colloquium.
Kanungo S dan V.V. Batnagar, 2002. Beyond Generic Models for Information System Quality : The Use of Interpretative Structural Modelling (ISM). Journal of System Research and Behavior Science. Vol. 19 (2), P 531:549.
Kemas, Danial,2015, Rencana Strategi Bisnis LPDB-KUMKM 2015-2019, Jakarta
Lee, D. M. (2007). Structured Decision Making with Interpretive Structural Modelling (ISM). Canada: Sorach Inc.
Lukman, Syukri., Niki Lukviarman, Harif Amali Rivai, Tafdil Husni, Syafrizal, dan Maruf (2008). Kajian Upaya Penguatan Peran Microbanking dan Pendekatan Pembiayaan Kelompok dalam Rangka Pengembangan UMK di Sumatra Barat. Penelitian atas kerjasama antara Bank Indonesia dan Center for Banking Research Universitas Andalas.
LPDB-KUKM. 2018. Ringkasan Eksekutif Rencana Bisinis dan Anggaran LPDB-KUKM 2018
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Otoritas Jasa Keuangan, 2015. Siaran Pers OJK dan Perbankan Syariah Gelar Expo iB Vaganza 2015. Jakarta.
Othman, A, Fatimah K, & Rosita H, 2013. A Comparative Analysis of the Co-operative, Islamic and Conventional Banks in Malaysia. American Journal of Economics 3 (SC): page 184-190.
Patten, Richard H, Jay K. Rosengar. (1991). The Development of Rural Banking in Indonesia. San Fransisco: ICS Press.
Radyati, Maria R. Nindita (2012). Keuangan Inklusif Perbankan. Published on Universitas Trisakti. MMCSR & MMCE. http://www.mmcrusakti.org
Riwajanti, Nur Indah, 2014, Exploring the role of Islamic Microfinance Institution in Poverty Alleviation Thourgh Microenterprises Development, A Case Study of Islamic Financial Cooperative (BMT)in IndonesiaKyoto bulletin of Islamic Area Studies, 7 Marc 2014, pp 49-66
Robinson, MS (2001). The Microfinance Revolution, Sustainable Finance for the Poor. World Bank Economic Review.
Rudjito (2003). Sinergi Kebijakan dalam Mendorong Pertumbuhan Usaha Mikro Kecil dan Menengah. Paper dipresentasikan pada Lokakarya Mendorong Pertumbuhan Usaha Kecil dan Menengah yang Sehat dan Berdaya Saing. Asosiasi Pengusaha Indonesia (APINDO). 12 Desember 2003, Aston Hotel: Jakarta.
Rusydiana, Aam S. (2018a). “Developing Islamic financial technology in Indonesia”. Hasanuddin Economics and Business Review, Vol. 2, No 2, pp.143-152.
Rusydiana, Aam S. (2018b). “Aplikasi Interpretive structural modeling untuk strategi pengembangan wakaf tunai di Indonesia”, Jurnal Ekonomi dan Bisnis Islam, Vol.4, no.1, pp.1-17.
Rusydiana, Aam S, and Abrista Devi, (2018). “Mengembangkan koperasi syariah di Indonesia: Pendekatan Interpretative Structural Modelling (ISM)”. Economica: Jurnal Ekonomi Islam, Vol. 9 No. 1, pp.1-23.
Rusydiana, Aam Slamet and Abrista Devi. (2013). “Challenges in Developing Baitul Maal wat Tamwiil (BMT) in Indonesia using Analytic Network Process (ANP)”. Business and Management Quarterly Review 4(2) 51-62
Rusydiana, Aam Slamet and Abrista Devi. (2013b). “Mengurai Masalah dan Solusi Pengembangan Lembaga Keuangan Mikro Syariah (LKMS) di Indonesia: Pendekatan Metode BOCR Analytic Network Process (ANP)”. Jurnal Ekonomi dan Bisnis Islami Vol.3 No.1 19-40.
Saipudin, Ahmad dkk, 2017, Strategy Pengembangan Keuangan Mikro Syariah Study kasus pada BMT Tawfin Jakarta
Saxena, J. P. 1992. Hierarchy and Classification of Program Plan Element Using Interpretative Structural Modelling. Systems Practice, Vol. 12 (6), P 651:670
Schurmann, Anna T dan Heid Bart Johnston (2009). The Group-Lending Model and Social Closure: Microcredit, Exclusion, and Health in Bangladesh. J Health Popul Nutr. 27(4): 518-527.
Siswanto. 2009, “Strategi Pengembangan Baitull Maal Wattamwil (BMT) Dalam Memberdayakan Usaha Kecil dan Menengah”. Tesis pada Program Pascasarjana Universitas Diponegoro.
Smolo, Edib. 2007, “Microcrediting in Islam: Islamic Micro-financial Institutions”. Paper dipresentasikan pada International Conference on Islamic Banking and Finance, IIUM Malaysia, April 2007.
Stiglitz, Joseph E (1990). Peer Monitoring and Credit Markets. World Bank Economic Review 4(3), 351-366.
Suharto, Saat. 2010, Outlook BMT 2011. Permodalan BMT Center: Jogjakarta.
Takkar, J., et.al. (2007). Development of a Balanced Scorecard, An Integrated Approach of Interpretive Sructural Modeling (ISM) and Analytic Network Process (ANP). International Journal of Productivity and Performance Management 56 (1): 25-59.
Ascarya, Widyo G, Widodo C, Enny A, dan Ferry S, 2012. Strategi Meningkatkan Preferensi Perbankan Syariah Indonesia Dalam Menggunakan Pembiayaan Bagi- Hasil. Jakarta: Central Banking Education and Studies Department, Bank Indonesia.
Aslichan, Hubeis M, Sailah I. 2009. Kajian Penilaian Kesehatan dalam Rangka Mengevaluasi Kinerja Lembaga Keuangan Mikro Syariah Baitul Maal wat Tamwil, Jurnal Manajemen Pengembangan Industri Kecil Menengah Sekolah Pascasarjana IPB, 4(2), pp.195-205.
Banerjee, Abhijit V., Timothy Besley and Thimothy W. Guinnane (1994). Thy Neighbor’s Keeper: The Design of a Credit Cooperative with Theory and a Test. Quarterly Journal of Economics 109(2), 491-515.
Bank Indonesia,2015, Profil Bisnis Usaha Mikro, Kecil dan Menengah, Jakarta
Baskara Kajeng, 2013, Lembaga Keuangan Mikro di Indonesia, Jurnal bulletin Studi Ekonomi, Vol.18,No 2
Berita Negara Republik Indonesia,2017 Peraturan Kemek-kum No 08/Per/M.Kum/VII/2017
Bhattacharya, S., and Momaya, K. (2009). Interpretive Structural Modeling of Growth Enablers in Construction Companies. Singapore Management Review. ABI/INFORM Global: 73
Bolanos et.al. (2005). Using Interpretive Structural Modelling in Strategic Decision-Making Groups. Management Decision 43 (6): 877-895.
Devi, Abrista and Rusydiana, Aam Slamet (2016), “Islamic Group Lending Model (GLM) and Financial Inclusion”, International Journal of Islamic Business Ethics Vol. 1 No 1, pp. 80-94.
Fukuyama, Francis (2002). Social Capital and Development: The Coming Agenda. SAIS Review Vol. XXII No.1 (winter u/2013 spring 2002)
Gema PKK, (2003). Kemiskinan dan Keuangan Mikro. KPK
Gorvett, R. and Liu, N., 2007. Using interpretive structural modeling to identify and quantify interactive risks. Orlando – USA: ASTIN Colloquium.
Kanungo S dan V.V. Batnagar, 2002. Beyond Generic Models for Information System Quality : The Use of Interpretative Structural Modelling (ISM). Journal of System Research and Behavior Science. Vol. 19 (2), P 531:549.
Kemas, Danial,2015, Rencana Strategi Bisnis LPDB-KUMKM 2015-2019, Jakarta
Lee, D. M. (2007). Structured Decision Making with Interpretive Structural Modelling (ISM). Canada: Sorach Inc.
Lukman, Syukri., Niki Lukviarman, Harif Amali Rivai, Tafdil Husni, Syafrizal, dan Maruf (2008). Kajian Upaya Penguatan Peran Microbanking dan Pendekatan Pembiayaan Kelompok dalam Rangka Pengembangan UMK di Sumatra Barat. Penelitian atas kerjasama antara Bank Indonesia dan Center for Banking Research Universitas Andalas.
LPDB-KUKM. 2018. Ringkasan Eksekutif Rencana Bisinis dan Anggaran LPDB-KUKM 2018
Marimin. 2004. Pengambilan Keputusan Kreteria Majemuk. Teknik dan Aplikasi. Gramedia Widiasarana Indonesia. Jakarta.
Muhar, 2009. “Kebijakan dan Strategi Pengembangan Lembaga Keuangan Mikro”. Jurnal Inovasi Vol. 6 No. 4 Desember 2009.
Otoritas Jasa Keuangan, 2015. Siaran Pers OJK dan Perbankan Syariah Gelar Expo iB Vaganza 2015. Jakarta.
Othman, A, Fatimah K, & Rosita H, 2013. A Comparative Analysis of the Co-operative, Islamic and Conventional Banks in Malaysia. American Journal of Economics 3 (SC): page 184-190.
Patten, Richard H, Jay K. Rosengar. (1991). The Development of Rural Banking in Indonesia. San Fransisco: ICS Press.
Radyati, Maria R. Nindita (2012). Keuangan Inklusif Perbankan. Published on Universitas Trisakti. MMCSR & MMCE. http://www.mmcrusakti.org
Riwajanti, Nur Indah, 2014, Exploring the role of Islamic Microfinance Institution in Poverty Alleviation Thourgh Microenterprises Development, A Case Study of Islamic Financial Cooperative (BMT)in IndonesiaKyoto bulletin of Islamic Area Studies, 7 Marc 2014, pp 49-66
Robinson, MS (2001). The Microfinance Revolution, Sustainable Finance for the Poor. World Bank Economic Review.
Rudjito (2003). Sinergi Kebijakan dalam Mendorong Pertumbuhan Usaha Mikro Kecil dan Menengah. Paper dipresentasikan pada Lokakarya Mendorong Pertumbuhan Usaha Kecil dan Menengah yang Sehat dan Berdaya Saing. Asosiasi Pengusaha Indonesia (APINDO). 12 Desember 2003, Aston Hotel: Jakarta.
Rusydiana, Aam S. (2018a). “Developing Islamic financial technology in Indonesia”. Hasanuddin Economics and Business Review, Vol. 2, No 2, pp.143-152.
Rusydiana, Aam S. (2018b). “Aplikasi Interpretive structural modeling untuk strategi pengembangan wakaf tunai di Indonesia”, Jurnal Ekonomi dan Bisnis Islam, Vol.4, no.1, pp.1-17.
Rusydiana, Aam S, and Abrista Devi, (2018). “Mengembangkan koperasi syariah di Indonesia: Pendekatan Interpretative Structural Modelling (ISM)”. Economica: Jurnal Ekonomi Islam, Vol. 9 No. 1, pp.1-23.
Rusydiana, Aam Slamet and Abrista Devi. (2013). “Challenges in Developing Baitul Maal wat Tamwiil (BMT) in Indonesia using Analytic Network Process (ANP)”. Business and Management Quarterly Review 4(2) 51-62
Rusydiana, Aam Slamet and Abrista Devi. (2013b). “Mengurai Masalah dan Solusi Pengembangan Lembaga Keuangan Mikro Syariah (LKMS) di Indonesia: Pendekatan Metode BOCR Analytic Network Process (ANP)”. Jurnal Ekonomi dan Bisnis Islami Vol.3 No.1 19-40.
Saipudin, Ahmad dkk, 2017, Strategy Pengembangan Keuangan Mikro Syariah Study kasus pada BMT Tawfin Jakarta
Saxena, J. P. 1992. Hierarchy and Classification of Program Plan Element Using Interpretative Structural Modelling. Systems Practice, Vol. 12 (6), P 651:670
Schurmann, Anna T dan Heid Bart Johnston (2009). The Group-Lending Model and Social Closure: Microcredit, Exclusion, and Health in Bangladesh. J Health Popul Nutr. 27(4): 518-527.
Siswanto. 2009, “Strategi Pengembangan Baitull Maal Wattamwil (BMT) Dalam Memberdayakan Usaha Kecil dan Menengah”. Tesis pada Program Pascasarjana Universitas Diponegoro.
Smolo, Edib. 2007, “Microcrediting in Islam: Islamic Micro-financial Institutions”. Paper dipresentasikan pada International Conference on Islamic Banking and Finance, IIUM Malaysia, April 2007.
Stiglitz, Joseph E (1990). Peer Monitoring and Credit Markets. World Bank Economic Review 4(3), 351-366.
Suharto, Saat. 2010, Outlook BMT 2011. Permodalan BMT Center: Jogjakarta.
Takkar, J., et.al. (2007). Development of a Balanced Scorecard, An Integrated Approach of Interpretive Sructural Modeling (ISM) and Analytic Network Process (ANP). International Journal of Productivity and Performance Management 56 (1): 25-59.
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2019-01-10
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Rusydiana, A. S., & Nugraha, T. (2019). PENGEMBANGAN LEMBAGA PENGELOLA DANA BERGULIR SYARIAH DALAM MENDUKUNG USAHA MIKRO KECIL DAN MENENGAH DI INDONESIA. Jurnal Syarikah : Jurnal Ekonomi Islam, 4(2), 130–144. https://doi.org/10.30997/jsei.v4i2.1502
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Tuti Kurnia, SP., M.Si
Wildan Munawar, SEI., MA
