PELUANG BANK SYARI’AH DALAM PEMBERDAYAAN EKONOMI UMAT DI KABUPATEN PONOROGO

  • Sugianto Sugianto Dosen Fakultas Syariah STAIN Ponorogo

Abstrak

The purpose of this study was to gain an understanding of the concept of Islamic bank operations and risk management techniques, discusses the unique risks in the banking Shari'ah then analyze a number of challenges from the aspect of Shari'ah, so that unknown Islamic bank policy implications related to the economic empowerment of the people in Ponorogo. The first results of this study in terms of the conceptual problem of the difference between the formulation of the theory and the reality of practice on the basic principles of Islamic banking in Ponorogo, can be categorized in two forms, namely; deposit or savings principle, and the principle of sharing or profit sharing. Both in terms of economic empowerment of the people in Ponorogo, the step taken is to focus on a major program of socialization, training, and development sectors Units Micro, Small and Medium Enterprises (SMEs). Although the third and the shari'a banking can not be hosted in Ponorogo, but his chances in the economic empowerment of the people is quite promising and convincing. Indeed risks faced not too big and heavy, but still have to watch out for, such as credit risk, liquidity risk, operational risk, legal risk, and the risk of withdrawal. Besides the unavailability of commercial warranty, money market instruments, commercial insurance and others, also there are some views of Shariah that have a direct impact on the risk management process. Or knowingly should be recognized that in banking circles there is no standardization of Shariah finance contract in Shari'ah.

Referensi

Abdullah, Burhanuddin. Budaya Kerja Perbenkan, Jalan Lurus Menuju Integritas. Jazkarta: LP3ES, 2006
Antonio, Muhammad Syafi’i. Bank Syari’ah Suatu Pengenalan Umum. Jakar-ta” Tazkia Institute, 1999
__________, Bank Syari’ah dari Teori ke Praktik. Jakarta: Gema Insani, 2001
Ascarya. Akad dan Produk Bank Syari’ah: Konsep dan Praktik di Beberapa Negara. Jakarta: Bank Indonesia, 2006
Asnawi, Nur. Pemasaran Syari’ah: Studi tentang Pembudayaan Nilai-nilai Syari’ah (N2S) dalam Pemasaran di Bank Muamalat Indonesia Cabang Malang. Disertasi, 2008 IAIN Sunan Ampel Surabaya
Aziz, Amin. Pedoman Pendirian Baitul Mal wa Tamwil. Jakarta: Pinbuk Press, 2004
Hafifuddin, Didin. Manajemen Syari’ah dalam Praktik. Jakarta: Gema Insani Press, 2003
Hamdi, M. Luthfi. Jejak-Jejak Ekonomi Syari’ah. Jakarta: Senayan Abadi Publishing, 2003
Hirsanuddin. Hukum Perbankan Syari’ah di Indonesia; Pembiayaan Bisnis dengan Prinsip Kemitraan. Yogyakarta: Gema Press, 2009
Karim, Adiwarman. Bank Islam; Analisis Fikih dan Keuangan. Jakarta: Raja-wali Press, 2004
Khan, Tariqullah dan Habib Ahmed. Manajemen Risiko Lembaga Keuangan Syari’ah. Jakarta Timur: Bumi Aksara, 2008
Khan, Tariqullah dan Umer Chapra. Regulasi & Pengawasan Bank Syari’ah. Jakarta Timur: Bumi Aksara, 2008
Muhammad, Rifqi. Akuntansi Keuangan Syari’ah; Konsep dan Implementasi PSAK Syari’ah. Yogyakarta: P3EI Press, 2008
Setyaji, Achmad. Perbankan Syari’ah Kian Menjamur di Nusantara Perlu Cetak Biru dan Positivisasi. Fatwa MUI dalam Prospek Bank Syari’ah Pasca Fatwa MUI. Yogyakarta: Suara Muhammadiyah, 2005
Sumitro Warkum, Asas-asas Perbankan Islam dan Lembaga-lembaga Terkait Jakarta: Raja Grafindo Persada, 2002
Triyuwono, Iwan. Akuntansi Syari’ah; Perspektif, Metodologi, dan Teori. Ja-karta: Rajawali Press, 2006
Tim Pengembangan Perbankan Syari’ah IBI. Konsep, Produk, dan Implemen-tasi Operasional Bank Syari’ah. Jakarta: Penerbit Jambatan, 2002
Wiroso. Penghimpunan Dana dan Distribusi Hasil Usaha Bank Syari’ah. Ja-karta: Penerbit Grasindo, 2005
Zahrah, Muhammad Abu. Tarikh al-Mazahib al-Fiqhiyah. Kairo: al-Madany, tt
Zahro, Ahmad. Tradisi Intelektual Nahdlatul Ulama (NU): Lajnah Bahtsul Masa’il a926-1999. Yogyakarta: LKiS Pelangi Aksara, 2004
Zaman, Hasanuz. Economic Function of in Islamic State. London: The Islamic Foundation, 1984
Diterbitkan
2014-07-07
Bagian
Articles