Masalah dan Solusi Model Pengembangan Pembiayaan Pertanian dari Aspek Keuangan Syari’ah

Abstract

This study aims to discuss the problems and solutions in terms of sharia financial aspects of the development of agricultural financing. This study used multiple linear regression analysis with ordinary least square method (OLS) combined with a descriptive explorative approach and developed by using literature review approach or literature study. The theory or conceptual approach is done by referring from several sources, such as books, scientific journals, and the internet. All existing idea descriptions are combined into a single frame of thought. The results showed that the variable of problem financing in agriculture sector had a significant negative effect on the profitability of sharia banking, therefore the application of financing concept for farmers through Sharia Finance Cooperative or Baitul Maal bi Tamwil (BMT) using Bai 'Salam".

The Study of Islamics Accounting on Agricultural Economics Contract in Madura

“…In addition to the issue of Human Resources that have low creative and innovative abilities, there are also other problems, as availability of funds to finance agricultural activities by farmers (Ridlwan, 2016), (Ngasifudin, 2016), (Sanrego & Rusydiana, 2009), (Roziq et al, 2014), (Maulida & Yunani, 2017). The reluctance of financial institutions to finance the agricultural sector is caused by the large risk of failure in the agricultural sector caused by fluctuations in crop yields and commodity prices (Pujiyono & Nugraha, 2016).…”

“…(Oktafia, 2017), (Sanrego & Rusydiana, 2009) and (Soekarni, 2014) have studied sharia financing to develop the business sector, even micro, small, and medium businesses. (Ulum, 2014), (Ghofur, 2015), (Ngasifudin, 2016), (Maulida & Yunani, 2017), (Susila, 2016) have studied to develop Islamic banking products. There are even studies that specifically observe financing and credit channeled to the agricultural sector, as (Nasution, 2016), (Roziq et al, 2014), (Khaleefa, 1993), (Elhiraika, 2003), (Pujiyono & Nugraha, 2016).…”

A Model for Minimizing Problems in Salam Financing at Islamic Banks in Indonesia

“…Based on Kaleem's research, the object of Salam financing actually can be extended to the field of animal husbandry which in Indonesia also has the potential to develop. Maulida and Yunani (2017) recommends the need to apply the concept of financing to farmers through the Islamic Finance Cooperative or Baitul Maal bi Tamwil (BMT) using the Bai' Salam contract with the "Group" system. BMT is a microfinance institution in Indonesia.…”

“…Therefore, this research will explore in more depth in the Indonesian context to create a model so that Salam financing can grow to complement existing Islamic bank products. Maulida and Yunani (2017) recommends the application of the concept of financing for ranchers through the Islamic Finance Cooperative or Baitul Maal bi Tamwil (BMT) utilizing the salam contract with a "group" framework. Rasheed and Mudassar (2010) proposed a model involving middleman as an agent of a bank (financier).…”

Increasing the Effectiveness of the Learning Exchange Model: The Role of MSME Facilitators in the CIKEPO MSME Community

“…Amid global economic dynamics, MSMEs support job creation, increased income, and equal economic distribution, becoming one of the pillars of the nation's economy (Siregar & Jaffisa, 2020). Therefore, developing economic development based on broader community participation as business actors is the government's commitment to current economic development (Adnyani et al, 2021;Heliantina, 2017;Maulida & Yunani, 2017). Based on data from the Ministry of Cooperatives and SMEs, the number of MSMEs in 2021 will reach 64.2 million with a contribution to GDP of 61.07% or 8,573.89 trillion rupiah.…”