Islamic Micro Finance: Fighting Moneylenders (A Capital Strengthening Efforts for Traditional Market Traders)

Sabirin Sabirin, Jeremia Persadanta

Abstract


Capitalization in business is very important because if we don’t have enough
capital on our business, it can limiting our business movement, especially for
traditional market traders, limitation of capital can hold up the opportunity to
gain the optimal revenues to maintain the viability of their business. However
because some factors, like complicated administration if they have to
borrowing money from a bank or micro financial institutions, whether is
principled conventional or sharia, at the end of this condition made traders
from traditional market trapped in informal financial institution, that is rentenir
(loan sharks) or also known as moneylenders. Inovation is needed to
developing micro sharia financial institution to a primary source of capital for
traders at traditional market so they will be spared from bondage moneylenders
who would trouble them in the future. Apart being an easy primary source for
their capital, the participants will also get mentoring and empowerment
program, so that their business continuity can be assured. This paper discusses
the development model of "Islamic microfinance institutions" Islamic Micro
Finance: Melati (Fighting Moneylenders). The method that used in thin
research is explorative descriptive by analyzing the right strategy to developing
micro sharia financial institution in Indonesia. Islamic Micro Finance : Melati
(Fighting Moneylenders) is a commercial institution that also prioritizes social
functions. Islamic Micro Finance : Melati (Fighting Moneylenders) is providing
financing acitvity to the participants to start a business with the more easy
requirements and provide mentoring and empowerment program, so that
business continuity can be guaranteed and traders would be free from the
practice of moneylenders (Loan Sharks)

Keywords


Capital; Traditional Market Traders; Moneylenders; Micro Sharia Financial Institutions

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