Many people squinting to BMT. But to my
knowledge, BMT is a social institution that is vital to establish an economic
growth of a more humane society. I think Indonesian government partisanship
on the growth and management of BMT is
not maximized. Since, BMT may not be a government priority in
helping the local economy.
Whereas, legally BMT based on cooperative
law. Scandinavian countries are very diligent
in doing the spread of cooperatives, as it
turns out it is so close to the
community in developing the local
economy. I do not blame anyone who squinted
against the BMT, this
may be because BMT is a small financial
institutions are often not attractive to most
people is no exception in it is the graduates
of Islamic economics. our concern for the homeless
and destitute is a gift that God has given us.
As performed by Muhammad Yunus initiated
the Grameen Bank in Bangladesh,
apparently initiated by his sympathy for
the small community who are unable to meet daily
basic needs. Maybe you or I so enjoy life with a beautiful
and simple, easy
to buy food,
buy a drink, with just one credit card friction
we can make
economic transactions. But in part it was not for
our brothers, they are unable to pay its debts,
can not afford to buy their children's school uniforms. Role of government in reducing poverty should be supported by economic scholars.
Especially economic scholars of Islam, poverty
is an important
thing to be
resolved.
If we explore more deeply what is needed by the indigent and the poor
both in Indonesia and in other countries,
the most basic needs are food, drink and other. They do not have the luxury needs than we
like most. Muhammad Yunus expresses a very
clear explanation that the poor are highly sensitive to repay debts
on time. This surprised
all parties, both government and
the researchers and economists. BMT is also the same characteristics
with the Grameen Bank, concerned about the poor, run the real sector economy, and very close to the
entire community. BMT was established to assist the poor.
Some of the BMT program fits perfectly with what is required of the poor. For
example, BMT create a mentoring program to establish a Sharia-based micro-businesses.
BMT officials are not only tasked to provide financial services only, but also provide
religious guidance so that its impact is the benefit of the world and the
hereafter.
I have not seen the development and growth of BMT
in other countries. I do not know how BMT proliferated in other
countries. BMT in Indonesia have similar characteristics
to the cooperative. BMT members can make savings and loan activities.
However, at
least I want to distinguish borrowing system between the BMT and Cooperatives. The following tables and explanations.
Case
|
Cooperatives
|
BMT
|
The
determination of the results
|
Previous
|
After trying, after there is an
advantage
|
Predetermined
|
Interest, the value of rupiah
|
Agree on the proportion of profit sharing for each
party such as: 50:50, 40:60, 35:65, etc
|
In the
event of loss
|
Borne by the customer only
|
Borne by both parties
|
Calculated from where
|
Of the funds lent
|
Of profit that would be
obtained is not necessarily the
magnitude
|
Focal
point of business projects
|
The
amount of interest to be paid must be received by Cooperatives
customers
|
The
success of the project /
business is so
common concern: the customer and BMT.
|
We know its
magnitude number
|
Fixed. (%) Times the amount of loans that have been definitely known
|
Proportion (%) so the amount of profits that have not = yet known
|
Legal status
|
Contrary
to the QS. Lukman: 34
|
Implement
the QS. Lukman: 34
|
Many people who
are interested to set up Islamic financial institutions. But the interest
is not driven by Islamic
financial management
competencies. So that not a few Islamic financial institutions can only survive within a few years and after it went bankrupt. Of course this is not our common hope. Islamic financial institutions
should be able to stand
up and survive. Because the primary function of BMT is protect the poor and create new hope for them.
|
Source : Pinbuk (Small Business Incubation Center) Indonesia.
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