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Pradipta Puspita Larasati
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PEMBIAYAAN SYARIAH DI SEKTOR PERTANIAN: SOLUSI PERMASALAHAN RIBA DALAM PERSPEKTIF SOSIAL DAN EKONOMI Pradipta Puspita Larasati; Sayyidatul Fitriyah; Tika Widiastuti; Dian Berkah
Jurnal Ekonomi dan Bisnis Islam | Journal of Islamic Economics and Business Vol. 3 No. 2 (2017): JULI-DESEMBER 2017
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (8309.367 KB) | DOI: 10.20473/jebis.v3i2.6756

Abstract

As an agricultural country, the agricultural sector has a vital role in the development of the national economy. But it does not mean the agricultural sector work without an obstacle. In fact the sector is often faced with various problems, especially in the weakness of capital. The capital needs will increase along with various choices of commodities and cropping patterns, the development of cultivation technology, post- harvest handling and processing of increasingly rapid results. In the era of agricultural technology, intensive of capital mobilization for both agricultural equipment and production facilities. Farmers can not afford to finance their farms with their own funds so that the farmers decide to finance the majority of which come from conventional lending institutions or even loan sharks and “moneylenders” based on the interest system which contains the element of riba. This is what causes financing by using islamic financial institutions are still minimal. Over this condition, making an opportunity as well as a challenge for islamic financial institutions to be present in the community, especially farmers in the agricultural sector, in order to minimize the action of riba in economic activity. As a solution, sharia financial institutions offer appropriate financing schemes in accordance with the needs of farners, but it can also be through the optimization of the function of islamic microfinance institutions (BMT) as an alternative in financing in the agricultural sector, the establishment of agricultural sharia banking and the application of rewards and punishment in financing. So the purpose of this study is expected by closer farmers with islamic financial institutions so that they can be completely free from the riba that can harm.Keywords:Riba, Agricultural Development, Sharia Financing, Islamic Financial Institutions, Islamic Banking.
Strategy Model of Financing Empowerment Programs for Development Micro and Small Business: A Case Study of Pembiayaan Usaha Syariah Programs in Mojokerto City) Risanda Alirastra Budiantoro; Pradipta Puspita Larasati; Sri Herianingrum
Bappenas Working Papers Vol 2 No 1 (2019): Edisi Maret 2019
Publisher : Kementerian Perencanaan Pembangunan Nasional (Bappenas)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (360.839 KB) | DOI: 10.47266/bwp.v2i1.31

Abstract

In business practices, micro and small businesses (SMEs) have several internal and external problems, such as difficulties in the capital. These problems also occur in SMEs in Mojokerto. To solve this SME problem, several stakeholders in Mojokerto collaborated to create a Sharia Financing Program (PUSYAR) on the basis of a Murabahah contract. The implementation of this program has been running for approximately five years, since the memorandum of understanding was signed by the Badan Amil Zakat Nasional Kota Mojokerto, PT. BPRS Kota Mojokerto, Dinas Koperasi Perindustrian dan Perdagangan (Diskoperindag) dan Masyarakat Ekonomi Syariah (MES) in 2013. During this time, the amount of budget allocation and realization, and the number of beneficiaries of the PUSYAR program has increased, so basically, the PUSYAR financing program is needed by SMEs to survive the existing business competition. The renewal of this study describes the PUSYAR program model as a whole and formulates a development strategy by strengthening the roles and responsibilities of the stakeholders involved. Therefore, the aim of this study will be to examine more deeply in formulating the right development strategy of the SME empowerment program through the PUSYAR financing program, so that the usefulness of this program can increase. The hope of the study result can be used as a reference for other local governments or the central government to apply for this PUSYAR program in the future.
Co-Authors Dian Berkah Risanda Alirastra Budiantoro Sayyidatul Fitriyah Sri Herianingrum Tika Widiastuti