UMKM Indonesia VS Prinsip Ekonomi Syariah

  Bank Syariah   28 Oktober 2011

Oleh: Any Setianingrum ME Sy

Indonesia memiliki 51,3 juta unit UMKM (Usaha Mikro, Kecil dan Menengah) atau sekitar 99,91 persen dari total pelaku usaha bergerak di sektor UMKM (2009). Terdapat 97,1 persen (sekitar 90,9 juta) tenaga kerja di negeri ini yang bergantung pada sektor UMKM. Dengan jumlah penduduk 237,6 juta (2010) dan SDA yang dimiliki seharusnya Indonesia memiliki basis-basis UMKM yang kuat. Keberhasilan UMKM adalah keberhasilan masyarakat Indonesia, sebab sektor ini merupakan jumlah mayoritas dan memberikan kontribusi kepada negara pada banyak bidang. Data tahun 2009, kontribusi UMKM terhadap PDB sebesar Rp 2.609,4 triliun atau mencapai 55,6 persen. Kontribusi UMKM terhadap devisa negara sebesar Rp.183,8 triliun atau 20,2 persen, kontribusi terhadap pertumbuhan ekonomi nasional 2-4persen, dan merupakan nilai investasi yang signifikan mencapai Rp.640,4 triliun atau 52,9 persen.

Seharusnya Indonesia adalah rumah yang bersahabat bagi UMKM. Namun pada kenyataannya, tidak ringan kendala dan tantangan yang harus dihadapi sektor UMKM selama Republik ini berdiri. Diantara kendala klasik adalah permodalan, collateral, legalitas, akses pasar dan kualitas SDM. Salah satu contoh konkretnya, walaupun pemerintah telah banyak mengeluarkan kebijakan dan peraturan guna menumbuhkembangkan UMKM, pada kenyataannya dari data tahun 2010, baru sekitar 30 persen UMKM yang mendapat akses pelayanan bank dan lembaga keuangan lainnya.

Sudah seharusnya berbagai peraturan dan kebijakan pemerintah dikeluarkan untuk mendukung tumbuh kembang UMKM. Regulasi yang tidak adil akan menyebabkan berkurangnya produktivitas, meningkatnya ketergantungan pada impor, berkurangnya daya saing, dan menekan penghasilan masyarakat khususnya lapisan bawah, dan pada akhirnya perkembangan UMKM tersebut sulit terwujud. Pemegang kendali di negeri ini harus memiliki komitmen kuat pada kepentingan rakyat banyak, karena tindakan yang hanya mengamankan kepentingan individu/kelompok baik dengan regulasi yang tidak adil maupun praktek KKN/lainnya tidak akan menjamin tujuan individu/kelompok tersebut terkabul. Perjalanan keuntungan materi yang didapat dari kegiatan batil tidak ada yang bisa menjamin sampai pada tempatnya/tujuannya seperti yang diharapkan pelaku, justru bisa memberikan hasil sebaliknya kepada pelaku tersebut. Karena itulah regulasi harus dibuat benar-benar untuk kemaslahatan masyarakat luas.

Peluang bidang produk dan jasa masih sangat luas untuk digarap UMKM mengingat besarnya potensi sumber daya yang ada di wilayah Indonesia yang terbentang pada 17.504 pulau. Lingkaran peluang tersebut harus dipecahkan oleh berbagai elemen pelaku usaha dan lembaga/institusi terkait dengan pemerintah sebagai katalisatornya.

Bagaimana sulitnya menjadi pelaku usaha di negeri ini bisa digambarkan berdasarkan pemeringkatan Doing Business 2011, atau kemudahan berbisnis untuk wiraswasta lokal, yang dirilis Bank Dunia. Indonesia berada di peringkat 121 dari 183 negara, terhadap aspek-aspek regulasi bisnis kunci untuk perusahaan lokal. Peringkat 121 tersebut hampir sejajar dengan negara-negara kecil di Afrika, dan dibanding tahun lalu yang berada diperingkat 115, artinya tahun ini memburuk. Padahal secara keseluruhan yang terjadi di negara-negara di seluruh dunia, lebih dari setengah regulasi telah berubah dalam 5 tahun terakhir sehingga lebih mempermudah permulaan bisnis, perdagangan dan pembayaran pajak.

Bagaimana kedudukan UMKM dalam prinsip ekonomi syariah? Dalam prinsip ekonomi syariah, penopang utama perekonomian adalah sektor rill, sedangkan sektor moneter hanya sebagai pendukung. Prinsip tersebut dapat terlihat pada kinerja bank syariah yang memiliki tingkat FDR (Financing to Deposit Ratio) selalu di kisaran 100%, dimana sebagian besar pembiayaan disalurkan pada sektor UMKM. Bank syariah bukanlah financial sector based banking sebagaimana bank konvensional.
Sebaliknya, bank syariah adalah real sector based banking. Seluruh dana di bank syariah yang dikeluarkan harus memiliki underlying asset yang jelas. Sedangkan, banyak dana bank konvensional tidak mempunyai dampak terhadap pertumbuhan sektor riil, hal tersebut tercermin pada angka LDR (Loan to Deposit Ratio) yang masih berada dikisaran 70 persen (2009), lebih rendah dibanding FDR bank syariah. Dana bank konvensional juga banyak dibelikan SBI (Sertifikat Bank Indonesia) untuk mendapatkan pendapatan suku bunga tanpa risiko dan banyak pula digunakan untuk spekulasi di pasar uang, yang tidak mendorong pertumbuhan sektor riil.

Prinsip ekonomi Syariah menekankan perlunya menggerakkan sektor riil yang minus kegiatan maisir (spekulasi/judi), gharar (ketidakjelasan), riba, serta berbasis halal haram dan manfaat mudarat. Perekonomian yang dibangun di atas kekuatan sektor riil bertumpu pada produktivitas seluruh level masyarakat sesuai dengan kemampuan dan kapasitasnya sehingga menciptakan keseimbangan ekonomi yang adil dan proposional, hingga membentuk mata rantai perekonomian yang stabil dan tidak mudah goyah/mengalami tekanan, khususnya ketika dia membesar. Berbeda halnya jika penopang utama perekonomian adalah sektor keuangan yang rentan melibatkan unsur maisir, gharar, riba dan mengabaikan pertimbangan halal haram serta manfaat mudarat. Bangunan perekonomian tersebut akan sangat rentan mengalami tekanan ketika besar, karena mata rantai ekonomi yang terbentuk tidak memiliki persenyawaan komprehensif dikarenakan tidak berkontribusi secara riil dengan seluruh unsur ekonomi, yang meliputi konsumen, produsen, barang/jasa riil, kejelasan transaksi, nilai moral dan etika yang sejalan dengan halal haram serta manfaat mudarat.

Saat ini dunia justru dikuasai oleh transaksi derivatif yang 100 kali lebih cepat berputar dibanding sektor riil. Demikian pula di Indonesia, transaksi non riil tersebut memiliki kecepatan 2 kali dibanding sektor riil. Besarnya volume transaksi derivatif tersebut hanya mudah diakses oleh pemilik modal, tidak bagi masyarakat luas, khususnya golongan menengah bawah. Lain halnya jika perekonomian besar karena banyaknya basis-basis industri, perdagangan, proyek dan kegiatan usaha individu/kemitraan, maka yang terjadi adalah simbiose mutualisme diatara seluruh level masyarakat/peserta ekonomi tanpa menimbulkan Zero sum game (keadaan dimana ada pihak yang mengambil keuntungan dengan menimbulkan kerugian di pihak lain).

Prinsip ekonomi syariah sangat mendukung pertumbuhan dan perkembangan UMKM, yang merupakan jumlah mayoritas dimana umat berada di dalamnya. Melalui denyut nadi kegiatan usaha yang digerakkan oleh rakyat lah, bangunan ekonomi sebuah negara akan mengukuhkan kekuatan, kestabilan, kemandirian dan kedaulatannya. Dan bukan melalui denyut nadi UMKM negara lain/perusahaan besar negara lain yang menditribusikan produk/jasanya di pasar milik rakyat Indonesia.

Penulis adalah akademisi dan pengamat ekonomi syariah
Redaktur: Siwi Tri Puji B

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