Kredit Rentenir dan Silaturahmi

Pratiwi, Novita Rahayu; Prajawati, Maretha Ika; Sagena, Basir

doi:10.33059/jseb.v12i1.2296

Cited by 6 publications

(6 citation statements)

References 6 publications

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“…Social factors are the most dominant factors, with the highest average value of 2.84%, because these factors are heavily influenced by the social environment, neighbors, friends, and family members (Ainnun, Tresnati, & Srisusilawati, 2018). Credit for moneylender for the community is business capital, a forum for friendship, mutual relief between credit members, and the law of usury on credit (Pratiwi, Prajawati, & S, 2021).…”

Section: Literature Reviewmentioning

confidence: 99%

Moneylender and the Welfare of Traders in Parung Market: Theological and Economic Approach

Maulidizen¹

2022

JICP

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This research focuses on traders in Parung Market, aiming to discuss Moneylender and the welfare of traders in the Parung Market from theological and economic perspectives. The purpose of this study is: (1) to determine the existence of Moneylender in trading, (2) Moneylender from a theological perspective, and (3) to analyze the impact of Moneylender practices on the welfare of traders in Parung Market from an economic perspective. This research is a descriptive-qualitative research method with a critical paradigm approach in a case study research method. The primary data collection method is observation, structured interviews, and documentation. Data processing and analysis techniques are data reduction, data presentation, conclusion drawing, and verification. While testing the validity of the data is done by testing the credibility. This research’s findings indicate that Moneylender have existed since 2013 due to the need for capital and the absence of financial institutions that provide capital lending facilities. In addition, the mechanism for accounts payable is carried out with an easy process, but debt payments use the installment system daily. Moneylender harms the welfare of traders in Parung Market. From a theological perspective, the practice of usury by Moneylenders is not following the principles of Islamic economics, namely the principle of justice, the principle of Ta’awun, and Maslahat, so it does not meet the spiritual needs of traders. Meanwhile, from an economic perspective, capital loans from Moneylender can only meet capital needs for the short term and support the business being carried out because the interest charged to traders is very high.

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Section: Literature Reviewmentioning

confidence: 99%

Moneylender and the Welfare of Traders in Parung Market: Theological and Economic Approach

Maulidizen¹

2022

JICP

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“…Cut Nyak Dhien Kota Langsa. Proses pengumpulan data dilakukan melalui tahapan observasi dan depthinterview, dan dokumentasi (Sugiyono, 2016;Fuad et al, 2019;Pratiwi et al, 2021).…”

Section: Metode Penelitianunclassified

“…Berdasarkan hasil pemantauan di lokasi juga ditemukan bahwa ada pihak ketiga yang menawarkan pembiayaan dan bahkan ada yang sudah mengambil jasa pembiayaan informal yang dilakukan oleh para rentenir atas nama koperasi untuk membantu usaha mereka. Tentu saja model pembiayaan yang ditawarkan menyalahi dari prinsip-prinsip syariah, seperti mengandung unsur riba dan gharar (Saepudin & Cahyani, 2016;Pratiwi et al, 2021). Namun demikian berdasar fakta lapangan, mereka lakukan peminjaman pada rentenir itu karena ada keterpaksaan untuk keberlangsungan usaha mereka.…”

Section: Pembinaan Dan Pengembangan Usahaunclassified

Analisis Potensi Perekonomian Pedagang Kaki-Lima di Kota Langsa

Budiman

2021

Ekobis

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This article is based on the results of research, focused on the activities of hawker traders along Cut Nyak Dhien Street, Langsa City. There are more than seventy street vendors with various types of merchandise. The research aims to determine the role of the informal sector street vendors of economically weak groups in obtaining employment, the prospect of developing a culinary tourism business on family economic growth, and additional sources of local revenue. Data obtained through observation, interviews and documentation, and then processed using descriptive analysis techniques. The analysis results showed that street vendors in urban areas are a popular alternative to work. This condition is in synergy with the government program that arranges this area as a center for culinary tourism and is very helpful for traders to increase family income, as well as having an impact on increasing visitors and increasing local income.

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“…These empirical facts that create a business climate for moneylenders still exist in competition with other financial institution businesses. Although moneylenders offer various benefits to borrowers, according to Samad and Saifulloh (2022) are categorised unfortunately, not all Muslim customers state that borrowing from conventional banking institutions is usury (Pratiwi et al, 2020). The impact of usury that a person receives from moneylenders is to bear a heavier economic burden, create prolonged household economic damage, and result in deeper poverty (Sitepu, 2020).…”

Section: Introductionmentioning

confidence: 99%

Does Micro Waqf Bank Avoid Loan Sharks Practice? Keeping on Indigent Productive Business

Fauzi,

Junaedi,

Mahmudin

2023

IEFR

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The Holy Qur'an reminds Muslims to conduct lawful economic activities to get the common good. The indigent with small and micro businesses are constantly faced with financing constraints, so the presence of Islamic microfinance institutions can provide this convenience. This study analyzes the role of micro waqf banks in preventing their customers from the loan shark practice. The study uses a qualitative method with an exploratory approach to micro waqf bank customers in the province of Banten. Data collection is sourced from interviews, observations, and literature studies, while data analysis uses triangulation techniques. The results are that most of the customers of micro waqf banks had transacted with loan sharks before becoming members of micro waqf banks. Micro waqf bank aims to provide financing, guidance, and business empowerment for poor productive communities around Islamic boarding schools. They are increasing the role of micro waqf banks, namely increasing weekly halaqah, inviting and reminding not to transact with moneylenders, increasing Islamic financial literacy, helping each other among group members, and disseminating product information. The avoiding effort of loan shark practice by increasing access to sharia finance, obtaining loans through individuals or mosques without usury, selling owned goods and cohesiveness between group members or joint responsibility, Efforts to increase productive businesses, namely product innovation and marketing, increasing the number of business products and business training. The implication is that increasing micro waqf banks' roles can prevent customers from using loan sharks in business and not entering deeper indigent. Keywords: Avoiding, Indigent, Loan Shark, Micro Waqf Bank, Productive Business

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Kredit Rentenir dan Silaturahmi

Cited by 6 publications

References 6 publications

Moneylender and the Welfare of Traders in Parung Market: Theological and Economic Approach

Moneylender and the Welfare of Traders in Parung Market: Theological and Economic Approach

Analisis Potensi Perekonomian Pedagang Kaki-Lima di Kota Langsa

Does Micro Waqf Bank Avoid Loan Sharks Practice? Keeping on Indigent Productive Business

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