The Offering of Islamic Economic’s Solution for the Indonesian Economy with the Face of a People's Economy
The Offering of Islamic Economic’s Solution for the
Indonesian Economy with the Face of a People's Economy
Arin Setiyowati[1]
Introduction
BPS
data (March, 2019) shows that in 2019 the poor population in Indonesia reached
25.14 million people (9.41%). The poverty measurement carried out by BPS uses
the concept of ability to meet basic needs (basic needs approach). A decrease
in the number of poor people from 2018-2019 shows that in absolute terms the
poverty rate in Indonesia is still very large and efforts to overcome it are
proceeding slowly. So the government is expected to strengthen the people's
economy fairly, through a policy approach that is not pro-people, must be
changed into pro-people policies, or at least what needs to be developed is a
policy that is not against or neutral towards the people's economy so that the
distribution of justice is created.
Some of the policies launched by the
government in order to create fairness of distribution such as the Inpres
Village program behind (IDT), Farming Business Credit (KUT), Social Safety Net
(JPS), Rice for the poor (Raskin), and Direct Cash Assistance (BLT) which
lately rife done. However, whether the results show? The reality is that the
answer is not going well because it is allegedly prone to irregularities or
immaturity in the application structure.
On the other side, the developing Islamic
economy in Indonesia, particularly the Islamic financial institutions sector,
has proven to provide economic stabilization solutions during the crisis of
1998. Through the business excellence of Islamic banks, Islamic economics has
bargaining data in empowering the real sector. Unlike the capitalist economic
system that stimulates people to be greedy.
In addition, there are still many offers of
solutions to Indonesia's economic problems through Islamic economic products,
whether born from the negation process, modifications or original concepts as
value added to the economic system in Indonesia. Particularly in terms of
minimizing economic inequality and creating equity in the distribution of
wealth is very significant, so it really needs to be elaborated and
internalized serriously, so it can go hand in hand with an economic system that
has been right mapping the strategy and policy direction for the implementation
of Islamic economics in the Indonesian economy with a populist economy.
Through this paper, the author intends to explain the
Relevance of Islamic Economics if it is applied in the Indonesian economy with
a populist economy. And offer solutions from the Islamic economy to Indonesia's
economic problems.
Intersection and Role of Islamic Economy with Popular
Economy
Based on the divine values contained in the concept of Islamic Economy
which is pro-small people through equitable distribution of wealth that is
equipped with morals, it is very appropriate if placed in the container of
Indonesia. Which the socio-cultural conditions are based on the principle of
mutual cooperation, kinship and especially the domain of the majority of
Muslims.
So what is the role of the Islamic economy in the Indonesian economy:
a.
The
role of the Islamic Economy in the Indonesian economy especially the people's
economy basically has an important bargaining position, especially when seeing
that the majority of Indonesia's population is Muslim (88.8%). (Soeharto
Prawirokusumo, 2001, in Noor, 2013, p. 230)
b.
The
role of Islamic Economics in creating economic justice can be expected from
distribution instruments such as zakat, endowments, inheritance, donations and
alms which have considerable potential in Indonesia.
Islamic economic
alignments to the people's economy above can be done by empowering the people's
economy, through the distribution of assets in supporting the people's economy.
The Offering of Islamic Economic Solutions
Distribution policy in the Islamic Economic System upholds the value of
justice, so the concept of distribution is an important basis that is used as a
guide that is not to accumulate wealth only to one group, as stipulated in the
QS. Al-Hasyr (59): 7. "So that treasure does not only circulate among the
rich among you."
This verse becomes one of the cornerstones
of the concept of distribution in Islamic economics through zakai, inheritance,
endowments, infaq and alms, and muamalah agreements, especially in partnership
with the Profit and Loss Sharing (PLS) mechanism which is loaded with justice.
Intended for all parties and upholds cooperation as capital in the development
of the informal sector / people's economy so that they are independent and
empowered.
The following diagram is the instrument of
distribution in Islamic economics:
|
Keterangan :
 : Wajib
-----
> : Sunnah
Wk
: Wakaf
I : Infak
S : Sedekah
A :
Transaction contract in Islamic Economic
|
The diagram above shows the operational
framework for assets distribution instruments in the Islamic economy. Which is
able to meet community spaces from the smallest to the largest in the scope of
the state based on needs. Starting from a close family circle, relatives to the
general public. This means that the instrument is rigid and adjusted to the
distribution path to each object neatly.
So that the
opportunity of the suitability of the implementation of Islamic economics in
Indonesia with a populist economic face is at the operational points of the distribution
of assets, distribution instruments and muamalah contracts in Islamic economics
that uphold the value of justice and humanism. Specifically, transaction
agreements based on partnership are as needed in a people's economy.
[1] Mahasiswa program S3 Ilmu
Ekonomi Islam Universitas
Airlangga Surabaya angkatan 2019, dan Dosen Prodi Perbankan Syariah FAI UMSurabaya.
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