Abstract
The aim of the study is to explore the local tradition in Bondowoso Pendhalungan society which bases consideration in the risk management of the micro finance sector in Bondowoso. The method of this study was qualitative research used grounded method. We collected data through participatory observation for 3 years from 2013 until early 2016, semi-structured interviews and literature studies. The results showed the gap that the banks early warning sign (EWS) only considered the financial aspects, the non-financial aspect and transaction aspect, not concerning the cultural aspects. Based on the results of the research, it was found that financial performance in the form of loans, deposits and credit quality (non-performing loans) were affected by the implementation of local cultural tradition. From the results of the study, researchers gave suggestions for banking in Bondowoso and in Indonesia to consider aspects of the local culture or local wisdom as the basis of consideration of banking operations strategies in each region in Indonesia.
Highlights
The calendar used by the Pendhalungan society consist mostly with the Islamic nuances ďĞĐĂƵƐĞƚŚĞLJƵƐĞYŽŵĂƌŝLJĂŚĐĂůĞŶĚĂƌƐLJƐƚĞŵ &ƵƌƚŚĞƌŚĞƐƚĂƚĞĚƚŚĂƚƐŽŵĞĂĐƟǀŝƟĞƐŝŶƚŚĞWĞŶĚŚĂůƵŶŐĂŶƐŽĐŝĞƚLJĂƌĞƐƵĐŚĂƐĐŽŵŵĞŵŽƌĂƟŽŶ ŽĨ ĐŝƌĐƵŵĐŝƐŝŽŶ ĞŶŐĂŐĞŵĞŶƚ ĂŶĚ ǁĞĚĚŝŶŐ ƉĂƌƚLJ ƉůĂŶƟŶŐ ĂŶĚ ŚĂƌǀĞƐƚ ƚŚĂŶŬƐŐŝǀŝŶŐ dŚĞLJ ĂůƐŽ ƌĞĨĞƌƌĞĚŵŝƚŽŶŝ ͬƚŚŽŬ ƉĞƚŚŽŬ ĨŽƌ Ă ǁŽŵĂŶ ǁŚŽ ŚĂĚ ďĞĐŽŵĞ ƉƌĞŐŶĂŶƚ ƚŚĞ ĮƌƐƚ ƟŵĞ ;ƐĞǀĞŶƚŚ ŵŽŶƚŚƉƌĞŐŶĂŶĐLJͿǁŚŝĐŚŚĞůĚďLJŵƵƚƵĂůĐŽŽƉĞƌĂƟŽŶŽƌůŽĐĂůƉĞŽƉůĞĐĂůůŝƚĂƐŬŽůĞŵĂŶ”. It is as ŽŶĞŽĨůŽĐĂůǁŝƐĚŽŵŝƐĂĨŽƌŵŽĨƚŚĞŝƌŵƵƚƵĂůĂƐƐŝƐƚĂŶĐĞŝŶĐĂƌƌLJŝŶŐƚŚĞĐŽŵŵĞŵŽƌĂƟŽŶďLJŐŝǀŝŶŐ some of the money, food, power, and ideas
Ă ƉĞĐƵůŝĂƌ ŽĨ ƚŚĞ ŵŽŶƚŚƐ ƵƐƚŽŵĞƌƐ ŶŽŶ ƉĞƌĨŽƌŵŝŶŐ ůŽĂŶ ;EW>Ϳ ǁŚŽ ďĞĐŽŵĞ ƚŚĞ ƐƵďũĞĐƚ ŽĨ ƚŚŝƐ ƌĞƐĞĂƌĐŚ ĂůƐŽ ƌĞŝŶĨŽƌĐĞĚ ƚŚĂƚ ŽƉŝŶŝŽŶ,Ğ ƐƚĂƚĞĚ ƚŚĂƚ ƚŚĞ ƚƌĂĚŝƟŽŶ ŽĨŬŽůĞŵĂŶ” or others ĐŽŵŵĞŵŽƌĂƟŽŶ ŝŶ ƚŚĞ WĞŶĚŚĂůƵŶŐĂŶ ƐŽĐŝĞƚLJ ŚĂƐ Ă ƐŽĐŝĂů ƐĂŶĐƟŽŶ tŚĞŶ Ă ƐŽŵĞŽŶĞ ŚĂƐ Ă ŵĂƚƵƌŝƚLJ ůŽĂŶ Ăƚ ƚŚĞ ďĂŶŬ ĂŶĚ Ăƚ ƚŚĞ ƐĂŵĞ ƟŵĞ ŚĞ ŵƵƐƚ ƚŽ ŐŝǀĞ ďĂĐŬĐĞĐĞĂŶƚŚĞ ĂŵŽƵŶƚ ŽĨ ĨƵŶĚǁŚŝĐŚŚĞƌĞĐĞŝǀĞĚĨƌŽŵŽƚŚĞƌƌĞƐŝĚĞŶƚƐǁŚĞŶŚĞŝŵƉůĞŵĞŶƚĞĚĂĐŽŵŵĞŵŽƌĂƟŽŶ,ĞǁŽƵůĚ ƉƌĞĨĞƌĂƌĞĨƵŶĚŬŽůĞŵĂŶ;ĐĞĐĞĂŶƌĞƉůŝĞƐͿŝŶĂĚǀĂŶĐĞƚŚĂŶƌĞƉĂLJŵĞŶƚƚŽƚŚĞďĂŶŬdŚĞŽĸĐĞƌŽĨĂŶŬyyĂůƐŽĂĚĚĞĚƚŚĂƚƚŚĞƉƵďůŝĐƉĞƌĐĞƉƟŽŶĂďŽƵƚŝŶǀĞƐƚŵĞŶƚĂŶĚƐĂǀŝŶŐƐ ŝŶĂĚĚŝƟŽŶƚŽďĞŝŶŐƚŚĞĐĂƵƐĞŽĨŶŽŶͲƉĞƌĨŽƌŵŝŶŐůŽĂŶƐĂůƐŽĐĂƵƐĞƐůŽǁŵŽďŝůŝnjĂƟŽŶŽĨƚŚŝƌĚƉĂƌƚLJ ĨƵŶĚƐ ƐůŽǁŶĞƐƐ ŝŶ ŽŶĚŽǁŽƐŽ ŵŽƌĞŽǀĞƌ ŝŶ ŽƚŚĞƌ dĂƉĂů ŝǀĞƐƚŽĐŬ ĞƐƉĞĐŝĂůůLJ ĐĂƩůĞ became the mainstay of the community investment product
ĂƐĞĚ ŽŶ ƚŚĞ ƌĞƐƵůƚƐ ŽĨ ƌĞƐĞĂƌĐŚ ĂŶĚ ĚŝƐĐƵƐƐŝŽŶ ŝƚ ĐĂŶ ďĞ ĐŽŶĐůƵĚĞĚ ƚŚĂƚ ƚŚĞ ƉĞƌĨŽƌŵĂŶĐĞƐ ŽĨ ĂŶŬ yy ŝŶ ƚŚĞ ĨŽƌŵ ƚŚĞ ĚŝƐďƵƌƐĞŵĞŶƚ ůŽĂŶ ƚŚĞ ĂĐƋƵŝƐŝƟŽŶ ŽĨ ƚŚŝƌĚͲƉĂƌƚLJ ĨƵŶĚƐ ĂŶĚ ƚŚĞ ůŽĂŶ ƋƵĂůŝƚLJ ƉĞƌĨŽƌŵĂŶĐĞ ǁĞƌĞ ĂīĞĐƚĞĚ ďLJ ƚŚĞ ŝŵƉůĞŵĞŶƚĂƟŽŶ ŽĨ ƚŚĞ ĐƵůƚƵƌĂů ƚƌĂĚŝƟŽŶ ĚŝǀĞƌƐŝƚLJ ŝŶ ƚŚĞŽŶĚŽǁŽƐŽƐŽĐŝĞƚLJdŚĞƌĞǁĞƌĞŐĂƉďĞƚǁĞĞŶƚŚĞďĂŶŬƐƌŝƐŬŵĂŶĂŐĞŵĞŶƚƐLJƐƚĞŵĂŶĚƐŽĐŝĂů ƉŚĞŶŽŵĞŶĂĂŶŬŝŶŐŚĂǀĞďĞĞŶĚĞƚĞĐƟŶŐĂŶĚŵĂŶĂŐŝŶŐƚŚĞƌŝƐŬďLJŝŵƉůĞŵĞŶƟŶŐĂƌůLJtĂƌŶŝŶŐ ^ŝŐŶ;t^ͿƐLJƐƚĞŵǁŚŝĐŚĚĞƚĞĐƚƐƚŚĞĮŶĂŶĐŝĂůĂƐƉĞĐƚƚŚĞŶŽŶͲĮŶĂŶĐŝĂůĂƐƉĞĐƚƐĂŶĚƚƌĂŶƐĂĐƟŽŶĂů ĂƐƉĞĐƚƐĂƌůLJǁĂƌŶŝŶŐƐŝŐŶ;t^ͿďĂŶŬŝŶŐƐLJƐƚĞŵŚĂƐŶŽƚĞŶĐůŽƐĞĚĂƐŽĐŝŽͲĐƵůƚƵƌĂůĂƐƉĞĐƚƐǁŚŝĐŚ ǁĂƐĞǀŝĚĞŶƚŽĨƚŚĞƌĞƐĞĂƌĐŚƚƵƌŶƐŝŶŽŶĚŽǁŽƐŽŚĂǀĞƚƌĞŵĞŶĚŽƵƐŝŵƉĂĐƚƚŽƚŚĞďĂŶŬƉĞƌĨŽƌŵĂŶĐĞ
Summary
Faculty of Islamic Economics and Business of Institut Agama Islam Negeri (IAIN) Jember The value of culture in the form of signs and symbols that are very diverse is presented ƚŚĞ ǀĂůƵĞƐ ŽĨ ǁŝƐĚŽŵ dŚĞ ǀĂůƵĞƐ ŽĨ ǁŝƐĚŽŵ ŝŶ ƚŚĞŝƌ ůŽĐĂů ĐŽŶƚĞdžƚ ǁĞƌĞ ůĂƚĞƌ ŬŶŽǁŶ ĂƐ ůŽĐĂů ǁŝƐĚŽŵ ;DĂůŝŬ ϮϬϭρͿ ĐĐŽƌĚŝŶŐ ƚŽ ^ƵLJŽƚŽ ^ƵLJĂƚŶŽ ;ϮϬϭρͿ ŝŶ /ŶĚŽŶĞƐŝĂ ƚŚĞ ůŽĐĂů ǁŝƐĚŽŵ ĂƉƉůŝĞĚŶŽƚŽŶůLJůŽĐĂůůLJŽŶĐƵůƚƵƌĞŽƌĞƚŚŶŝĐŽƌŝŐŝŶďƵƚĂůƐŽĐŽƵůĚďĞĚĞƐĐƌŝďĞĚĂƐĂĐƌŽƐƐͲĐƵůƚƵƌĂů Žƌ ĐƌŽƐƐͲĞƚŚŶŝĐ ƚŚĞƌĞďLJ ĨŽƌŵŝŶŐ Ă ŶĂƟŽŶĂů ĐƵůƚƵƌĂů ǀĂůƵĞ /ƚ ĐĂŶ ƚĂŬĞ Ă ƐĂŵƉůĞ ŽĨ ƚŚĞ ǀĂƌŝŽƵƐ ĨŽƌŵƐ ŽĨ ůŽĐĂů ǁŝƐĚŽŵ ŝŶ /ŶĚŽŶĞƐŝĂŶ ƐŽĐŝĞƚLJ ƐƵĐŚ ĂƐ ƚŽůĞƌĂŶĐĞ ŵƵƚƵĂů ĐŽŽƉĞƌĂƟŽŶ ŵŽƌĂůĞ respect for nature and so on. ĂƐĞĚ ŽŶ ,ŽĨƐƚĞĚĞƐ ƐƚƵĚLJ ;ϭεΘϬͿ ŚĞ ŝĚĞŶƟĮĞĚ ĐƵůƚƵƌĞ ŝŶ ƌĞůĂƟŽŶ ƚŽ ƚŚĞ ĚŝŵĞŶƐŝŽŶ ;ĂͿ ŝŶĚŝǀŝĚƵĂůŝƐŵ ǀƐ ĐŽůĞĐƟǀŝƐŵ ;ďͿ ŵĂƐĐƵůŝŶŝƚLJ ǀƐ ĨĞŵŝŶŝŶŝƚLJ ;ĐͿ ůĂƌŐĞ ǀƐ ƐŵĂůů ƉŽǁĞƌ ĚŝƐƚĂŶĐĞ ;ĚͿ ƐƚƌŽŶŐ ǀƐ ǁĞĂŬ ƚŚĂƚ Ăůů ŽĨ ƚŚĞ ĚŝŵĞŶƐŝŽŶƐ ŝŶ ƚŚĞ ĂǀŽŝĚĂŶĐĞ ŽĨ ƵŶĐĞƌƚĂŝŶƚLJ ŽŶĚ ;ϭεΘΘͿ ŝŶ ƐƵďƐĞƋƵĞŶƚƐƚƵĚŝĞƐĂĚĚĞĚƐŚŽƌƚͲƚĞƌŵĂŶĚůŽŶŐͲƚĞƌŵŽƌŝĞŶƚĂƟŽŶdŚĞ ĚĞǀĞůŽƉŵĞŶƚ ŽĨ Ă ďƵƐŝŶĞƐƐ ŶĞĞĚƐ ĐƌŽƐƐͲĐƵůƚƵƌĂů ĐŽŵƉĞƚĞŶĐLJ ĂƐ ƚŚĞ ĨŽƌŵĂƟŽŶ ŽĨ ĂůůŝĂŶĐĞƐƌĞůĂƚĞĚǀĞŶĚŽƌƐĚŝƐƚƌŝďƵƚŽƌƐĐƵƐƚŽŵĞƌƐĂŶĚƚŚĞŝƌƐĞĐƚŽƌŽƌŐĂŶŝnjĂƟŽŶƐƚŽĨƵůĮůůŚƵŵĂŶ ŶĞĞĚƐŝŶĂŶLJŚĞŵŝƐƉŚĞƌĞ;WĞƌůŵƵƚĞƌϭεεϳͿĐĐŽƌĚŝŶŐƚŽ
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