SUSTAINABILITY LEMBAGA KEUANGAN MIKRO SYARIAH DI INDONESIA
DOI:
https://doi.org/10.30997/al-kaff.v3i5.21776Keywords:
Dana Syirkah Temporer, Keberlanjutan, LKMS, Modal Disetor, Murabahah, Pembiayaan Mudharabah, Tabungan WadiahAbstract
Lembaga Keuangan Mikro Syariah (LKMS) memiliki peran strategis dalam mendukung inklusi keuangan syariah dan meningkatkan kesejahteraan masyarakat berpenghasilan rendah. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi keberlanjutan (sustainability) LKMS di Indonesia dengan menggunakan metode regresi berbasis data runtut waktu (time series). Variabel dependen dalam penelitian ini adalah Dana Syirkah Temporer, dengan empat variabel independen yaitu Pembiayaan Murabahah, Modal Disetor, Tabungan Wadiah, dan Pembiayaan Mudharabah. Hasil penelitian menunjukkan bahwa pembiayaan murabahah merupakan faktor dominan yang mendukung keberlanjutan, sementara modal disetor tidak berpengaruh karena LKMS lebih bergantung pada penghimpunan dana masyarakat. Tabungan wadiah mencerminkan tingkat kepercayaan masyarakat, sedangkan pembiayaan mudharabah memberikan peluang bagi pengembangan usaha produktif. Secara keseluruhan, keberlanjutan LKMS ditentukan oleh efektivitas pengelolaan produk keuangan syariah dan kemampuan lembaga dalam memperkuat kepercayaan masyarakat. Secara keseluruhan, penelitian ini menegaskan bahwa keberlanjutan LKMS di Indonesia sangat dipengaruhi oleh efektivitas pengelolaan produk keuangan syariah serta kemampuan lembaga dalam memperkuat kepercayaan masyarakat. Temuan ini memberikan implikasi penting bahwa strategi penguatan LKMS perlu diarahkan pada pengembangan produk pembiayaan yang sesuai kebutuhan dan optimalisasi penghimpunan dana yang berkelanjutan.
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