Potensi Umat Muslim Jadi Kunci Keuangan Syariah Indonesia

IAEI, JAKARTA -- Potensi umat Muslim Indonesia akan menjadi kunci utama pemain keuangan syariah. Ketua Umum Majelis Ulama Indonesia (MUI), KH Ma'ruf Amin, mengatakan DSN-MUI melihat ekonomi dan keuangan syariah menjadi kekuatan penting dalam membangun perekonomian Indonesia dalam mewujudkan kesejahteraan masyarakat. Ekonomi syariah dapat menjadi pilar bagi arus baru ekonomi Indonesia yang dapat mendorong kemaslahatan. "Ekonomi dan keuangan syariah secara aplikatif dapat mendorong pembangunan yang berkedaulatan dan pemerataan kesejahteraan masyarakat Indonesia," kata Ma'ruf Amin, di acara Sosialisasi UUS SMF dan Fatwa DSN MUI, Senin (23/7).

Ma'ruf Amin menjelaskan, Indonesia perlu arus baru karena arus lama yang dibangun ekonomi konglomerat menggunakan teori triple down effeck. Dampaknya kalangan atas makin kuat sedangkan kalangan bawah semakin lemah. Karena itu, diperlukan arus baru dalam pembangunan ekonomi nasional. MUI melaksanakan pemberdayaan ekonomi umat dengan dua program, mencakup redistribusi aset dan kemitraan. Arus baru bukan melemahkan yang kuat tetapi menguatkan yang lemah sehingga semua menjadi kuat.

Kedua, untuk memperbanyak pelaku keuangan syariah. "Dengan arus baru ekonomi Indonesia kita igin meningkatkan pangsa pasar keuangan syariah," ucap dia. Dia menambahkan, industri keuangan syariah dan kegiatan keuangan syariah secara nasional sudah memasuki usia lebih dari dua dekade. Masih banyak tantangan yang harus diselesaikan terutama sumber daya insani yang dinilai masih rendah, inovasi produk yang kurang, literasi dan inklusi keuangan masih rendah, kualitas pelayanan belum prima dan dukungan pemangku kepentingan belum merata.

Comments

Islamic Agriculture Finance for Rural Economy

Islamic Agricultural Finance is an Ideal Product for the Development of Rural Economy The agriculture sector lacks financial resources, due to which small-scale farmers are facing a lot of problems, consequently affecting the agriculture and livestock sector. But in Muslim countries including Pakistan, the primary the reason behind the lack of financial inclusion in the agricultural sector is unavailability of such financial products that are in correlation with the religious and social belief of the Muslims and if we want to promote agriculture and livestock then we have to introduce such financial products which are in accordance with their religious beliefs, therefore, the use of Islamic Agriculture Finance is necessary for the development of the rural economy especially in Muslim majority countries. These thoughts were expressed by Mr. Muhammad Zubair Mughal, the Chief Executive Officer of Al Huda Center of Islamic Banking and Economics in a seminar in ...

The Usurers: How Medieval Europe circumvented the Church’s ban on Usury

The Usurers: How Medieval Europe Circumvented the Church’s Ban on Usury Some observers may see resemblances between the Medieval European methods of circumventing the Church’s ban on interest, and some financial structures utilized today by Islamic Banks. To be fair, while a very small number may be true, it’s certainly in my experience very limited and is not representative of Islamic banking institutions. Any resemblances are superficial but may seem to be the same for the observer with limited knowledge of Shariah rules. We must not however underestimate the will of people to circumvent the law for their personal profit. This is a common feature in humanity, regardless of the geography or religion. Christianity had a ban on interest, very similar to Shariah. It also had its share of those who played financial tricks to illegitimately profit from earning forbidden interest. Some observers belittle the role the prohibition of interest had in Europe, and may view i...

Portfolio and Default Risk of Islamic Microfinance Institutions

Portfolio and Default Risk of Islamic Microfinance Institutions By: Dr. Luqyan Tamanni, MEc Editor: Ustaz Sofyan Kaoy Umar, MA, CPIF Abstract Islamic microfinance is a growing sector that is expected to provide a long-term solution to poverty in the Muslim world. The role of microfinance institutions in poverty alleviation is still debatable, however, established literature provides assurance that microfinance does contribute to the development of the financial sector and reduction of poverty in developing countries. The rise of competition in the microfinance sector has forced many microfinance institutions to resort to commercial funding and lending activities, which according to some studies has led microfinance institutions to become riskier. The paper explores portfolio and default risk of Islamic Microfinance Institutions (IMFIs) and finds that they are facing relatively lower risks than conventional MFIs. Using Ordinary Least Squares regression to analyse port...

Ikatan Ahli Ekonomi Islam

Search This Blog