The Islamic Financial System as a Solution to Poverty Problems in Indonesia
Keywords:
Bank-Based Industry, Islamic Financial System, Market-Based Industry,Abstract
Poverty is one of the main challenges faced by Indonesia, a country rich in natural resources and human potential. The presence of Islamic financial system is considered suitable for poverty alleviation programs. Islamic economics adheres to the principle of synergy (ta'awun) by creating economic justice to equalize the distribution of income and wealth, which is the goal of Islamic financial system. This research is a qualitative study with an inductive reasoning approach through a library research process. The data sources used to build the concept are secondary data derived from previous research in the form of articles discussing poverty. The research results show that the poverty rate in Indonesia tends to decrease from year to year. Market and banksbased industry have philosophical principles and operational bases that are integrated with social values and economic activities. Poverty will be reduced if all elements of society work together to support programs originating from the government and from other institutions, such as banking support for poverty alleviation.
References
Amijaya, R. N. F. 2023. Does Islamic Finance Matter for Poverty Development in Indonesia. Airlangga Journal of Innovation Management. Vol. 4. No. 2 https://doi.org/10.20473/ajim.v4i2.49756
Atmodjo S.S., dkk. 2023. Pengantar Ekonomi Makro. Jakarta Timur: Kreasi Skrip Dijital
Chapra, M. U. (2000). Islam dan Tantangan Ekonomi. Jakarta: Gema Insani Press
Chapra, M. U. (2008). The Global Financial Crisis: Can Islamic Finance Help Minimize the Severity and Frequency of Such a Crisis in the Future?. Paper. Presented at the Forum on the Global Financial Crisis to be held at the Islamic Development Bank.
Endriani, Santi. (2015). Konsep Uang: Ekonomi Islam vs Ekonomi Konvensional. Anterior Jurnal, Vol 15 No 1
Development of Total Islamic Financial Assets: Early Momentum in 2025. Available online: (archived on July 25, 2025).
Hasyim, K., dkk. 2025. Peran Lembaga Keuangan Syariah dalam Memerangi Kemiskinan di Jayapura. Jurnal Istiqro: Jurnal Hukum Islam, Ekonomi dan Bisnis, 11, 1: 35-41
Kaminsky, G. L., & Reinhart, C. M. (1999). The Twin Crises: The Causes of Banking and Balance-Of Payments Problems. The American Economic Review, 89(3), 473–500.
Ketoviki, M., & Mantere, S. 2010. Two Strategies for Inductive reasoning in Organizational research. The Academy of Management Review, 35(2), 315–333.
Lestari, W.P.E., dkk. 2024. Peran Lembaga Keuangan Syariah dalam Meningkatkan Akses Keuangan pada Daerah Terpencil. Jurnal Ekonomi dan Bisnis 12, 2: 269-275
Mashuri. (2014). Sistem Keuangan Syariah Solusi Pengentasan Kemiskinan. Iqtishaduna, Vol 3, No 2.
Mohammad Yahya Mamun Mutho‟. (2021). Paradigma Sistem Keuangan Islam Dalam Menghadapi Krisis. Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan SyariahVolume 6, No. 3, p(670 - 690)
Mervyn K. Lewis dan Latifa M. Algaould. (2001) Perbankan Syariah, Terjemahan, Burhan Subrata. Jakarta: PT Serambi Ilmu Semesta.
Nufus, S.H and M. Yazid. 2023. Analysis of Islamic Financial Institutions on Proverty in Indonesia. Iqtishaduna: Jurnal Ekonomi dan Keuangan Islam. Vol. 14. No. 2
Pratama, E.P.P.A., dkk. 2022. Peran Lembaga Keuangan Syariah dalam Pengentasan Kemiskinan di Indonesia. Jurnal Kesehatan Tambusai 3, 4: 570-577
Percentage of Poor Population (P0) by Province and Region (Percent), 2025. Available online: https://www.bps.go.id/id/statistics-table/2/MTkyIzI=/persentase-penduduk-miskin--p0--menurut-provinsi-dan-daerah.html (archived on July 25, 2025).
Nurastuti, W. 2011. Teknologi Perankan. Yogyakarta: Graha Ilmu
Sakinah, dkk. 2023. Kebijakan Ekonomi Moneter Islam. Depok: CV. Semesta Irfani Mandiri
Wiroso. (2009). Produk Perbankan Syariah. Jakarta: Penerbit LPFE Usakti
Yadi, Janwari. (2016). Pemikiran Ekonomi Islam. Bandung: PT Remaja Rosdakarya
Yogasnumurti, R.R., dkk. 2023. Upaya Pengentasan Kemiskinan melalui Lembaga Keuangan Syariah di Provinsi Sumatera Selatan. El-Amwal: Jurnal Ekonomi dan Keuangan Syariah 6, 1: 84-94
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2024 Wahidatun Nafiah Alfarda, Saifudin Yusuf, Hardining Estu M, Imam Nur Ngaini, Andrean Permadi

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.



