Integrasi Konsep Perbankan Syariah dengan Pengembangan Badan Usaha Milik Desa (BUMdes) Desa Maredan Siak

  • Adiyes Putra STAI Diniyah Pekanbaru
  • Yusri STAI Diniyah Pekanbaru
  • Nurhasanah STAI Diniyah Pekanbaru
  • Mukhyar STAI Diniyah Pekanbaru
  • Ali Wardana STAI Diniyah Pekanbaru
  • Fikri Sulthoni STAI Diniyah Pekanbaru
  • Herlina STAI Diniyah Pekanbaru
Keywords: BUMdes; savings and loans; Islamic banking

Abstract

The BUMdes business unit for saving and borrowing from Maredan Siak Village is still a conventional model where the profit is applied according to the practice of interest. Interest according to the fatwa of the Indonesian Ulema Council (MUI) has been declared extinct. Riba is very determined and forbidden by Islam. Therefore, for a person, the theoretical concept of sharia may not be the practice of saving and lending that contain usury. Besides, the unity of Islamic values ​​with Malaysian culture should strengthen BUMdes programs in Siak Regency. This is because Siak is a Malaysian region that is rich in Islamic culture. But the reality shows that the saving and lending activities of BUMdes-BUMdes were not carried out according to the sharia concepts. The expected progress of BUMdes is certainly progress that is following Islamic values. Islamic values ​​always encourage the achievement of progress in a healthy, Islamic, honest, and blessing. Blessing is impossible to achieve if the companies carried out are still in conflict with the Sharia principles. It is hoped that the advanced BUMdes will be BUMdes whose presence is felt by the community and does not suffocate the community.

References

BPS Kabupaten Siak, Kecamatan Tualang Dalam Angka 2017, Siak; 2017

Khairul Anwar, “Potret Politik Pembangunan Ekonomi Kampung Maredan 2014-2016”, dikutip dari https://ejournal.unri.ac.id/index.php/JIPN/article/download/5790/5348, Donwload hari Senin, 4 Maret 2019

Laporan Tahunan BUMdes Kampung Maredan Siak tahun 2018

Nusnasrina dan P. Adiyes Putra, Kegiatan Usaha Bank Syariah. Yogyakarta: Kalimedia, 2017

Nurnasrina dan P. Adiyes Putra, Manajemen Pembiayaan Bank Syariah. Pekanbaru: Cahaya Firdaus, 2019

Pidato Penghulu Kampung Maredan Siak dalam Sambutan Pembukaan Pengabdian Program Studi Perbankan Syariah STAI Diniyah Pekanbaru di Kampung Maredan Siang, 27 Februari 2019

Wawancara dengan Agus Direktur BUMkamp Maredan pada tanggal 27 Februari 2019

Wawancara dengan Ratna Pegawai BUMkamp Maredan pada tanggal 27 Februari 2019

Published
2019-12-30
How to Cite
Putra, Adiyes, Yusri Yusri, Nurhasanah Nurhasanah, Mukhyar Mukhyar, Ali Wardana, Mohammad Fikri Sulthoni, and Herlina Herlina. 2019. “Integrasi Konsep Perbankan Syariah Dengan Pengembangan Badan Usaha Milik Desa (BUMdes) Desa Maredan Siak”. Al-Mutharahah: Jurnal Penelitian Dan Kajian Sosial Keagamaan 16 (2), 413-33. https://ojs.diniyah.ac.id/index.php/Al-Mutharahah/article/view/6.