Pemberdayaan Ekonomi Rakyat melalui Pengembangan Ekonomi Mikro Pola Baitul Maal Wattanwil di Perdesaan

Abstrak

Understanding of people’s economy, in reality there are a lot of parties that do not realize that in fact people’s economy functions as the backbone of local or rural economy and also national economy. Thus, people’economy needs attention, support and full protection. Supporting and strengthening people’s economy help improve people’s productivity and purchasing power, open job opportunities for people, and develop the economic added value of the economic sector. This writing aims at giving better understanding to those involved in empowering people’s economy through fund raising to develop productive efforts and investment to improve the economic quality of small-scale and micro-scale industries, in an effort to overcome poverty. The writing is based on literature study and empirical experience. In reality, the difficulties often faced by small-scale and micro-scale industries are the problems of funding, skills, and technology. The owners of small-scale and micro-scale industries find great difficulty in accessing banking financial institutions. The concept of syariah with an BMT approach is a right strategy which can be accepted by the society and promises to be financial institutions to facilitate people’s economy for areas with natural resources and also communities whose economy needs be empowered in all aspects of life.

Key words: people’s economy, empowering, the concept of syariah

 

Abstrak

Banyak pihak tidak menyadari bahwa ekonomi rakyat merupakan tulang punggung perekonomian lokal atau daerah bahkan nasional. Untuk itu, ekonomi rakyat memerlukan perhatian, pemihakan dan perlindungan penuh. Pemihakan ekonomi rakyat bertujuan meningkatkan produktivitas rakyat, meningkatkan daya beli rakyat, membuka lapangan kerja bagi rakyat dan menumbuhkan nilai tambah ekonomi pada sektor ekonomi yang digeluti oleh rakyat. Tujuan penulisan ini memberi pemahaman kepada pihak-pihak yang ikhlas memberdayakan ekonomi rakyat melalui menghimpun dana, pengembangan usaha-usaha produktif dan investasi guna meningkatkan kualitas ekonomi usaha kecil dan mikro dalam upaya mengentaskan kemiskinan. Metode dalam penulisan ini adalah studi literatur dan pengalaman empiris.Dalam kenyataan empiris, kesulitan yang sering terjadi pada usaha ekonomi mikro dan kecil adalah masalah permodalan, skill dan teknologi. Para pelaku usaha sangat sulit mengakses lembaga keuangan perbankan. Konsep syariah dengan pendekatan Balai Usaha Mandiri Terpadu (BMT) merupakan konsep yang tepat dan dapat diterima masyarakat perdesaan. Lembaga keuangan ini mampu untuk menfasilitasi upaya peningkatan ekonomi rakyat bagi daerah-daerah yang memiliki potensi sumber daya alam dan masyarakat yang ekonominya masih membutuhkan pemberdayaan dalam segala aspek kehidupan.

 

Kata-kata kunci: ekonomi rakyat, pemberdayaan, konsep syariah

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Referensi

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