Mengembangkan Koperasi Syariah di Indonesia: Pendekatan Interpretative Structural Modelling (ISM)

Aam Slamet Rusydiana*  -  SMART Indonesia, Indonesia
Abrista Devi  -  Ibn Khaldun University, Indonesia

(*) Corresponding Author

Despite growing rapidly, but Islamic cooperatives are still experiencing many obstacles in its development, both from the internal, external and regulatory side. This study attempts to identify the factors of needs, activities, and objectives in the development of sharia cooperatives in Indonesia, using the Interpretative Structural Modelling (ISM) approach. The results of this study provide some conclusions include: (1) Elements of the needs of the key key in sharia cooperative development strategy in Indonesia to improve SMEs is the need for strong support on the legal aspects of sharia cooperatives, (2) Elements of activities that are key to Shariah cooperative development are to conduct training and certification programs for shariah cooperative management and members, and (3) Elements of actors/institutions that are key in sharia cooperative development strategy in Indonesia to improve UMKM is sharia financial institution.

Walaupun tumbuh dengan pesat, namun koperasi syariah masih mengalami banyak kendala dalam pengembangannya, baik dari sisi internal, eksternal maupun regulasi. Penelitian ini mencoba untuk mengidentifikasi faktor-faktor kebutuhan, aktifitas dan tujuan dalam pengembangan koperasi syariah di Indonesia, dengan pendekatan metode Interpretative Structural Modelling (ISM). Hasil penelitian memberikan beberapa kesimpulan, antara lain: (1) Elemen kebutuhan yang menjadi kunci utama dalam strategi pengembangan koperasi syariah di Indonesia untuk meningkatkan UMKM adalah perlu adanya dukungan yang kuat pada aspek hukum koperasi syariah, (2) Elemen aktifitas yang menjadi kunci utama dalam pengembangan koperasi syariah adalah mengadakan training dan program sertifikasi bagi manajemen koperasi syariah dan anggota, dan (3) Elemen pelaku/lembaga yang menjadi kunci utama dalam strategi pengembangan koperasi syariah di Indonesia untuk meningkatkan UMKM adalah lembaga keuangan syariah.

Keywords: Koperasi Syariah; Lembaga Keuangan Mikro Syariah (LKMS); Interpretative Structural Modelling (ISM)

  1. Akanji, O.O. 2007. “Microfinance as a Strategy for Poverty Reduction.” CBN Economic and Financial Review 39 (4).
  2. Ascarya, Widyo Gunadi, Widodo Cahyono, Enny Anwar, dan Ferry Syarifuddin. 2012. Strategi Meningkatkan Preferensi Perbankan Syariah Indonesia dalam Menggunakan Pembiayaan Bagi Hasil. Jakarta: Central Banking Education and Studies Department, Bank Indonesia
  3. Banerjee, A. V., T. Besley, and T. W. Guinnane. 1994. “Thy Neighbor’s Keeper: The Design of a Credit Cooperative with Theory and a Test.” The Quarterly Journal of Economics 109 (2). Oxford University Press: 491–515. https://doi.org/10.2307/2118471.
  4. Bhattacharya, Sanjay, and K. Momaya. 2009. “Interpretive Structural Modeling of Growth Enablers in Construction Companies.” Singapore Management Review 31 (1). Singapore Institute of Management: 73–98. http://go.galegroup.com/ps/anonymous?id=GALE%7CA192052588&sid=googleScholar&v=2.1&it=r&linkaccess=abs&issn=01295977&p=AONE&sw=w.
  5. Bolaños, Ricardo, Emilio Fontela, Alfredo Nenclares, and Pablo Pastor. 2005. “Using Interpretive Structural Modelling in Strategic Decision‐making Groups.” Management Decision 43 (6). Emerald Group Publishing Limited: 877–95. https://doi.org/10.1108/00251740510603619.
  6. Devi, Abrista, and Aam Rusydiana. 2016. “Islamic Group Lending Model (GLM) and Financial Inclusion.” International Journal of Islamic Business Ethics 1 (1): 80–94. https://doi.org/10.30659/IJIBE.1.1.80-94.
  7. Fukuyama, Francis. 2002. “Social Capital and Development: The Coming Agenda.” SAIS Review 22 (1). Johns Hopkins University Press: 23–37. https://doi.org/10.1353/sais.2002.0009.
  8. Gorvett, Rick, and Ningwei. Liu. 2007. “Using Interpretive Structural Modeling to Identify and Quantify Interactive Risks.” Call Paper Program 2007 ASTIN Colloquium. USA.
  9. Kanungo, Shivraj, and Vivek V. Bhatnagar. 2002. “Beyond Generic Models for Information System Quality: The Use of Interpretive Structural Modeling (ISM).” Systems Research and Behavioral Science 19 (6). Wiley-Blackwell: 531–49. https://doi.org/10.1002/sres.476.
  10. Lee, D. M. 2007. Structured Decision Making with Interpretive Structural Modelling (ISM). Canada: Sorach Inc.
  11. Lukman, Syukri, Niki Lukviarman, Harif Amali Rivai, Tafdil Husni, Syafrizal, and 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.
  12. Marimin. 2004. Pengambilan Keputusan Kreteria Majemuk: Teknik Dan Aplikasi. Jakarta: Gramedia Widiasarana Indonesia.
  13. Muhar. 2009. “Kebijakan Dan Strategi Pengembangan Lembaga Keuangan Mikro.” Jurnal Inovasi 6 (4).
  14. Otoritas Jasa Keuangan. 2015. Siaran Pers OJK dan Perbankan Syariah Gelar Expo iB Vaganza 2015. Jakarta.
  15. Othman, Azmah, Fatimah Kari, and Rosita Hamdan. 2013. “A Comparative Analysis of the Co-Operative, Islamic and Conventional Banks in Malaysia.” American Journal of Economics 3 (5C): 184–90.
  16. Patten, Richard H, Jay K. Rosengar. 1991. The Development of Rural Banking in Indonesia. San Fransisco: ICS Press.
  17. Radyati, Maria R. Nindita. 2012. Keuangan Inklusif Perbankan. Jakarta: Universitas Trisakti: MMCSR & MMCE. http://www.mmcrusakti.org.
  18. Robinson, Marguerite S. 2001. The Microfinance Revolution: , Sustainable Finance for the Poor. World Bank. https://openknowledge.worldbank.org/handle/10986/28956.
  19. 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 Desemdber. Aston Hotel: Jakarta.
  20. Rusydiana, Aam Slamet, and Abrista Devi. 2013a. “Challenges in Developing Baitul Maal Wat Tamwiil (BMT) in Indonesia Using Analytic Network Process (ANP).” Business and Management Quarterly Review 4 (2): 51–62.
  21. ———. 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 3 (1): 19–40.
  22. Saxena, J. P. 1992. "Hierarchy and Classification of Program Plan Element Using Interpretative Structural Modelling." Systems Practice 12 (6): 651-670.
  23. Schurmann, Anna T, and Heidi Bart Johnston. 2009. “The Group-Lending Model and Social Closure: Microcredit, Exclusion, and Health in Bangladesh.” Journal of Health, Population, and Nutrition 27 (4). BioMed Central: 518–27. http://www.ncbi.nlm.nih.gov/pubmed/19761085.
  24. Siswanto. 2009. “Strategi Pengembangan Baitull Maal Wattamwil (BMT) dalam Memberdayakan Usaha Kecil dan Menengah.” Tesis. Semarang.
  25. Smolo, Edib. 2007. “Microcrediting in Islam: Islamic Micro-Financial Institutions.” Paper Dipresentasikan pada International Conference on Islamic Banking and Finance, IIUM Malaysia, April 2007.
  26. Stiglitz, Joseph E. 1990. “Peer Monitoring and Credit Markets.” The World Bank Economic Review 4 (3 (September 1990)): 351–66. http://documents.worldbank.org/curated/en/544771468740196425/Peer-monitoring-and-credit-markets.
  27. Suharto, Saat. 2010. Outlook BMT 2011. Yogyakarta: Permodalan BMT Center.
  28. Thakkar, Jitesh, S.G. Deshmukh, A.D. Gupta, and Ravi Shankar. 2006. “Development of a Balanced Scorecard: An Integrated Approach of Interpretive Structural Modeling (ISM) and Analytic Network Process (ANP).” International Journal of Productivity and Performance Management 56 (1). Emerald Group Publishing Limited: 25–59. https://doi.org/10.1108/17410400710717073.

Open Access Copyright (c) 2018 Economica: Jurnal Ekonomi Islam

Economica: Jurnal Ekonomi Islam
Published by the Institute of Islamic Economic Research and Development (LP2EI), Faculty of Islamic Economics and Business Universitas Islam Negeri Walisongo Semarang
Jl Prof. Dr. Hamka Kampus III Ngaliyan Semarang 50185
Phone: +62 858-7654-4666
Website: https://febi.walisongo.ac.id/
Email: economica@walisongo.ac.id

ISSN: 2085-9325 (Print)
ISSN: 2541-4666 (Online)
DOI: 10.21580/economica

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Get a feed by atom here, RRS2 here, and OAI Links here.

apps