Abstract
Indonesia's Islamic finance sector (Halal Finance) is experiencing rapid growth. In a pandemic situation, Islamic banking grows consistently. It recorded that in 2020, Islamic banking grew by 9.22%. Based on the Islamic Finance Development Index issued by the Islamic Corporation for the Development of the Private Sector (ICD), Indonesia's Islamic finance industry managed to climb to rank two after previously occupying the 4th position. The productive age of the population also has considerable potential to increase the number of Islamic bank customers in Indonesia. This is also becoming more potential because based on data from the Central Statistics Agency in 2019 Indonesia has 83,820 villages. However, on the other hand, based on a survey from the Financial Services Authority (OJK) in 2019, the Islamic financial literacy index of the Indonesian people only reached 8.93%. Based on the potential and existing problems, this study aims to develop a concept of public interest in using Islamic bank products through the Bank Syariah Kita Bersama (Basytama) program which is part of a community empowerment strategy and builds superior human resources through the development of community-based Islamic financial ecosystem institutional aspects. village. This research is based on descriptive qualitative analysis. This is supported by the use of primary and secondary data, in primary data collection we use distributing questionnaires to people and conducting interviews by telephone or virtual conference based on in-depth interviews. contact. In addition, to help support research to obtain more comprehensive and extensive data, we also use secondary data through library research, using various trusted and credible reference sources. The conceptual model of Basytama focuses on aspects of Islamic banking, empowerment, and education in rural communities. We base this concept on Basytama programs such as collecting and distributing funds, collaborating with stakeholders at the village level, opening assistance programs, and researching village potentials through the Basytama Institute so that it is hoped that an increase in the competence and standard of living of the community will be achieved accompanied by an increase in the quality of life. Islamic financial literacy at the village level.
Highlights
BackgroundGrowth in implementing the Islamic monetary system increased rapidly in four decades in various countries such as Malaysia in the mid-1940s, in Pakistan in the late 1950s, and Egypt through the Mit Ghamr Bank and Nasser Social Bank
Analysis Strengths - Weaknesses - Opportunities - Threats (SWOT) analysis is an analytical tool useful for managers in developing strategies such as power - opportunities (SO), weakness - opportunities (WO), strength - the threat (ST), and weaknesses - threat (WT) (David 2011)The implementation of the SO strategy will take advantage of the strengths of the company's internal side to later take advantage of external opportunities, the WO strategy aims to improve internally by taking advantage of external opportunities, the ST strategy will use the strengths of the company's internal body and reduce or avoid external threats, while the ST strategy will use the strengths of the company's internal body and reduce or avoid external threats
Based on the results of the investigation through the distribution of questionnaires and interviews as well as alternative solutions, several points were obtained as follows: 1. Public knowledge, especially regarding Islamic financial literacy, which has an impact on Islamic banking information is still quite low and socialization is needed is shown in the results of our data acquisition when surveying the community online, where as many as 24.1% of village youth do not know about Islamic financial information
Summary
BackgroundGrowth in implementing the Islamic monetary system increased rapidly in four decades in various countries such as Malaysia in the mid-1940s, in Pakistan in the late 1950s, and Egypt through the Mit Ghamr Bank and Nasser Social Bank. The growth of the Islamic finance sector was growing in the 1970s. According to (Siddiqi 1996), this time span is the time when Islamic banking in the world experienced a revival. The rise of the world of Islamic banking in various Islamic countries certainly affects the development of the Islamic finance sector in Indonesia. Indonesia with the second largest Muslim population in the world with a Muslim population of 276,361,782 in 2021, amounting to 87.20% of the total population, and 12.70% of the total world population, feels various influences on the growth of the Islamic finance sector in Indonesia. The large development of Islamic banking in Indonesia only occurred after 1998 (Rae 2008)
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