{"id":12104,"date":"2025-03-23T22:49:39","date_gmt":"2025-03-23T22:49:39","guid":{"rendered":"https:\/\/ppmindonesia.com\/?p=12104"},"modified":"2025-03-23T22:50:57","modified_gmt":"2025-03-23T22:50:57","slug":"koperasi-syariah-membangun-ekosistem-ekonomi-berbasis-qaryah-thayyibah","status":"publish","type":"post","link":"https:\/\/ppmindonesia.com\/index.php\/2025\/03\/23\/koperasi-syariah-membangun-ekosistem-ekonomi-berbasis-qaryah-thayyibah\/","title":{"rendered":"KOPERASI SYARIAH: Membangun Ekosistem Ekonomi Berbasis Qaryah Thayyibah"},"content":{"rendered":"

Oleh; Lalu Agus Sarjana; Aktifis dan Tokoh Pusat Peranserta\u00a0 Masyarkat (PPM) NTB<\/span><\/p><\/blockquote>\n

ppmindonesia.com. Mataram <\/b>– Konsep Qaryah Thayyibah<\/a> adalah keseimbangan antara nilai-nilai ijtima\u2019iyah (sosial) dan iqtishadiyah (ekonomi syariah). <\/span><\/p>\n

Dalam sistem ekonomi Islam, pendekatan yang digunakan bukan sekadar fiqh muamalah, melainkan fiqh iqtishadiyah, yang mencakup prinsip keadilan, keseimbangan, dan kesejahteraan duniawi serta ukhrawi. <\/span><\/p>\n

Sistem ekonomi Islam tidak hanya membahas aspek produksi, konsumsi, dan distribusi barang dan jasa, tetapi juga berorientasi pada maqashid syariah\u2014yaitu tujuan syariat dalam mewujudkan kemaslahatan umat secara berkeadilan dan berkelanjutan. <\/span><\/p>\n

Oleh karena itu, instrumen ekonomi Islam seperti zakat, infaq, shadaqah, dan wakaf menjadi bagian integral dalam mewujudkan kesejahteraan kolektif.<\/span><\/p>\n

PPM dan Model Koperasi Syariah<\/strong><\/p>\n

Sejak awal, Pusat Peranserta Masyarakat (PPM) telah mengembangkan model ekonomi berbasis usaha bersama dengan prinsip kekeluargaan, sebagaimana yang diamanatkan dalam Pasal 33 UUD 1945. <\/span><\/p>\n

Model koperasi yang diterapkan dalam konsep PPM ini bersinergi dengan gagasan Baitul Maal wat Tamwil (BMT) yang diinisiasi oleh ICMI (Ikatan Cendekiawan Muslim Indonesia). <\/span><\/p>\n

Namun, hingga saat ini, koperasi syariah masih menghadapi tantangan regulasi, karena belum memiliki payung hukum yang secara khusus mengatur operasionalnya.<\/span><\/p>\n

Meskipun demikian, dalam praktiknya, koperasi syariah telah menetapkan Dewan Syariah Nasional (DSN) sebagai lembaga yang mengawasi aspek kepatuhan syariah dalam aktivitas ekonomi yang dijalankan. <\/span><\/p>\n

Hal ini menjadi faktor yang sangat krusial, terutama dalam mengembangkan koperasi sektor riil maupun koperasi simpan pinjam, yang kini semakin berkembang di berbagai daerah.<\/span><\/p>\n

Keunggulan Koperasi Syariah<\/strong><\/p>\n

Dibandingkan dengan koperasi konvensional, koperasi syariah menawarkan sistem yang lebih adil, transparan, dan amanah. Prinsip syariah menekankan pada:<\/span><\/p>\n

    \n
  1. Menjauhi Korupsi, Kolusi, dan Nepotisme<\/strong><\/li>\n<\/ol>\n
      \n
    • Koperasi syariah berlandaskan amanah dan kejujuran dalam seluruh operasionalnya.<\/span><\/li>\n
    • Setiap transaksi dilakukan secara transparan dan adil, sehingga tidak ada praktik kecurangan atau manipulasi.<\/span><\/li>\n<\/ul>\n
        \n
      1. Asas Kekeluargaan, Gotong Royong, dan Keadilan Sosial<\/strong><\/li>\n<\/ol>\n
          \n
        • Semua anggota berpartisipasi secara sukarela dan aktif dalam usaha bersama.<\/span><\/li>\n
        • Tidak ada pemaksaan dalam transaksi; semua dilakukan dengan ridha dan akad yang jelas.<\/strong><\/span><\/li>\n<\/ul>\n
            \n
          1. Menghindari Spekulasi dan Riba<\/strong><\/li>\n<\/ol>\n
              \n
            • Sistem ekonomi syariah melarang transaksi spekulatif (gharar) dan permainan uang semu (money game & fiat money).<\/span><\/li>\n
            • Semua transaksi berbasis pada jual beli nyata (bai’) yang halal dan berkah.<\/span><\/li>\n<\/ul>\n

              Peran Teknologi AI dalam Koperasi Syariah<\/strong><\/p>\n

              Di era digital, teknologi Artificial Intelligence (AI) dapat dimanfaatkan untuk meningkatkan efisiensi, transparansi, dan tata kelola koperasi syariah. <\/span><\/p>\n

              Dengan penerapan AI, berbagai aspek seperti administrasi, manajemen keuangan, kepemimpinan, dan hubungan sosial dapat dikelola secara optimal. <\/span><\/p>\n

              Teknologi ini akan memastikan bahwa koperasi benar-benar berfungsi untuk kesejahteraan seluruh anggota, bukan hanya segelintir orang.<\/span><\/p>\n

              Kembali kepada Sistem Bai\u2019, Meninggalkan Riba<\/strong><\/p>\n

                \n
              • Islam telah menetapkan prinsip ekonomi yang jelas:<\/span><\/li>\n
              • Sistem bai’ (jual beli yang halal) adalah sah dan diberkahi.<\/span><\/li>\n
              • Sistem riba adalah haram dan merusak tatanan ekonomi.<\/span><\/li>\n<\/ul>\n

                Firman Allah dalam QS. Al-Baqarah: 275 menegaskan:<\/span><\/p>\n

                “Allah telah menghalalkan jual beli dan mengharamkan riba.”<\/span><\/p>\n

                Oleh karena itu, koperasi syariah bukan hanya sekadar instrumen ekonomi, tetapi juga jalan menuju kesejahteraan yang berkah, adil, dan berkelanjutan, sebagaimana yang dicita-citakan dalam konsep Qaryah Thayyibah. (lalu agus sarjana)<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

                Oleh; Lalu Agus Sarjana; Aktifis dan Tokoh Pusat…<\/p>\n","protected":false},"author":4,"featured_media":12102,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"kia_subtitle":"","footnotes":""},"categories":[208,36],"tags":[66,1155,1101,1013],"newstopic":[],"class_list":["post-12104","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-berita","category-nasional","tag-koperasi","tag-koperasi-syariah","tag-ppm-ntb","tag-qaryah-thayyibah"],"yoast_head":"\nKOPERASI SYARIAH: Membangun Ekosistem Ekonomi Berbasis Qaryah Thayyibah - ppmindonesia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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