Main Article Content
Abstract
Introduction
The Sharia consumer cooperative is one of the many legal forms of Islamic economic activity in Indonesia, including South Kalimantan Province. However, studies on the identity and rationality of this practice are still limited.
Objectives
This research aims to understand how Islamic identity influences economic decisions and how Sharia economic rationality is reflected in the practices of consumer cooperatives. The selection of Arrahmah Sharia Consumer Cooperative (Koperasi Konsumen Syariah Arrahmah) as the subject of the study is based on the institution's claim to be "more Sharia" compared to other cooperatives or Sharia financial institutions.
Method
A qualitative research method was employed using in-depth interviews and observations as data collection tools. Qualitative research was chosen for its relevance to case studies that required in-depth data exploration.
Results
The findings indicate that Islamic identity plays a key role in shaping the economic preferences of cooperative members, whereas Sharia economic rationality is reflected in the principles of justice and sustainability. In the context of Arrahmah Sharia Consumer Cooperative, the institution's assertion of being "more Sharia" is driven by knowledge of fiqh muamalah, particularly the section on usury and its dangers conveyed by Salafi scholars in study forums, websites, and other mass media. This knowledge serves as the main foundation and source of community identity, which distinguishes them from other cooperatives or financial institutions.
Implications
The success of Sharia economics lies not only in economic rationality, but also in the understanding and application of religious identity in every aspect of economic activities. Both are complementary and mutually supportive in achieving sustainable economic development goals, in line with religious values.
Originality/Novelty
This study provides insights into the dynamics of identity and rationality in the context of Sharia economics, focusing on the practices of consumer cooperatives in South Kalimantan.
Keywords
Article Details
Copyright (c) 2024 Yulia Hafizah, Erissa Nilasari, Fitriana Syarqawie, Pati Matu Jahra, Noorwahidah Noorwahidah
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References
Abdullah, M. M. (2014). Manajemen bisnis syariah [Sharia business management] (B. R. Hakim, Ed.). Aswaja Pressindo.
Abidin, M. Z., & Hafizah, Y. (2019). Conflict and integration in the Salafi-Wahabi purification movement in South Kalimantan. Wawasan: Jurnal Ilmiah Agama dan Sosial Budaya, 4(2), 191-201. https://doi.org/10.15575/jw.v4i2.6194
Amalia, E. (2009). Keadilan distributif dalam ekonomi Islam: Penguatan peran LKM dan UKM di Indonesia [Distributive justice in Islamic economics: Strengthening the role of microfinance institutions and small and medium enterprises in Indonesia]. Raja Grafindo Persada.
Amaliah, N., Puspita, L. M. N., & Hanif, P. (2024). Preferensi pengurus koperasi konvensional terhadap koperasi syariah di Provinsi Bengkulu [Preference of conventional cooperative administrators towards sharia cooperatives in Bengkulu Province]. Jurnal Ilmiah Edunomika, 8(1), 1-22. https://doi.org/10.29040/jie.v8i1.11605
Barker, C. (2003). Cultural studies: Theory and practice (3rd edition). Sage Publications.
Blumer, H. (1969). Symbolic interactionsm: Perspective and method. Prentice Hall.
Boettcher, J. W. (2004). What is reasonableness? Philosophy & Social Criticism, 30(5–6), 597–621. https://doi.org/10.1177/0191453704045756
Breakwell, G. M. (1987). Identity. In H. Beloff & A. Coleman (Eds.), Psychology survey 6 (pp. 94-114). British Psychological Society.
Castells, M. (2011). The power of identity the information age: Economy, society, and culture Volume II with a new preface. John Wiley & Sons.
Davis, J. L., Love, T. P., & Fares, P. (2019). Collective social identity: Synthesizing identity theory and social identity theory using digital data. Social Psychology Quarterly, 82(3), 254-273. https://doi.org/10.1177/0190272519851025
Efendi, R., & Bakhri, B. S. (2018). Konsep koperasi bung hatta dalam perspektif ekonomi syariah. Al-Hikmah: Jurnal Agama dan Ilmu Pengetahuan, 15(1), 111–135. https://doi.org/10.25299/jaip.2018.vol15(1).1594
Ernawati, J. (2011). Faktor-faktor pembentuk identitas suatu tempat. Local Wisdom: Jurnal Ilmiah Kajian Kearifan Lokal, 3(2), 1–9. https://doi.org/10.26905/lw.v3i2.1391
Fidiana, F. (2017). Tinjauan kritis kesyariahan koperasi syariah [Critical review of sharia cooperative sharia]. Iqtishadia Jurnal Ekonomi & Perbankan Syariah, 4(2), 137-154. https://doi.org/10.19105/iqtishadia.v4i2.1476
Frundt, H. J. (2005). Movement theory and international labor solidarity. Labor Studies Journal, 30(2), 19–40. https://doi.org/10.1177/0160449X0503000202
Hogg, M. A. (2001). A social identity theory of leadership. Personality and Social Psychology Review, 5(3), 184–200. https://doi.org/10.1207/S15327957PSPR0503_1
Hogg, M. A., Abrams, D., Otten, S., & Hinkle, S. (2004). The social identity perspective: Intergroup relations, self-conception, and small groups. Small Group Research, 35(3), 246–276. https://doi.org/10.1177/1046496404263424
Hund, S. A. & Benford, R. A. (2004). Collective identity, solidarity, and commitment. In D. A. Snow, S. A. Soule, & H. Kriesi (Eds.). The Blackwell companion to social movements, (pp. 433-457). Blackwell Publishing Ltd. https://doi.org/10.1002/9780470999103.ch19
Idris, M. (2016, Februari 25). Ini alasan nasabah syariah perbankan syariah RI masih minim [This is the reason why Indonesian sharia banking customers are still minimal]. detikfinance. https://finance.detik.com/moneter/d-3151148/ini-alasan-nasabah-syariah-perbankan-syariah-ri-masih-minim
Klandermans, B. (1984). Mobilization and participation: Social-psychological expansions of resource mobilization theory. American Sociological Review, 49(5), 583-600. https://doi.org/10.2307/2095417
Klaridermans, B. (1986). New social movements and resource mobilization: The European and the American approach. International Journal of Mass Emergencies & Disasters, 4(2), 13–37. https://doi.org/10.1177/028072708600400203
Lisa, A. N. (2021). Etika rasionalitas ekonomi terhadap kepentingan dalam diri manusia [Ethics of economic rationality towards human interests]. BALANCA : Jurnal Ekonomi Dan Bisnis Islam, 2(2), 95-105. https://doi.org/10.35905/balanca.v2i02.1425
Nugraha, F. (2018). Agama dan gerakan sosial ekonomi Muslim perdesaan: Penelitian terhadap jamaah majelis taklim dan baitul mâl wat tamwil di Kecamatan Arjasari Kabupaten Bandung [Religion and socio-economic movements of rural Muslims: Research on the congregation of the majlis taklim and baitul mâl wat tamwil in Arjasari District, Bandung Regency] [Doctoral thesis, UIN Sunan Gunung Djati Bandung]. https://digilib.uinsgd.ac.id/18989/
Osa, M. (1997). Creating solidarity: The religious foundations of the Polish social movement. East European Politics and Societies, 11(2), 339–365. https://doi.org/10.1177/0888325497011002007
Pepinsky, T. B. (2013). Development, Social Change, and Islamic Finance in Contemporary Indonesia. World Development, 41, 157–167.
Respati, A. R. & Pratama, A. M. (2023). Pangsa pasar perbankan syariah masih kecil, OJK bangun ekosistem dan dorong konsolidasi [The sharia banking market share is still small, the Financial Services Authority is building an ecosystem and encouraging consolidation]. Kompas.com. https://money.kompas.com/read/2023/04/12/141000026/pangsa-pasar-perbankan-
Saidi, Z. (2019). Tidak syariahnya bank syariah [Sharia banks are not sharia] (7th edition). Delokomotif.
Sakai, M. (2014). Establishing social justice through financial inclusivity: Islamic propagation by islamic savings and credit cooperatives in Indonesia. TRaNS: Trans -Regional and -National Studies of Southeast Asia, 2(2), 201–222. https://doi.org/10.1017/trn.2014.4
Sukmana, O. (2013). Konvergensi antara resource mobilization theory dan identity- oriented theory dalam studi gerakan sosial baru [Convergence between resource mobilization theory and identity-oriented theory in the study of new social movements]. Sosiologi Reflektif, 8(1), 39-62. https://ejournal.uin-suka.ac.id/isoshum/sosiologireflektif/article/view/524
Suretno, S., & Yusuf, R. (2021). Mahalnya pembiayaan di bank syariah [The high cost of financing in Islamic banks]. Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam, 5(2), 179-192. https://doi.org/10.30868/ad.v5i02.1679
Tarmizi, E. (2019). Harta haram muamalat kontemporer [Haram wealth from contemporary muamalah] (20th ed.). Berkat Mulia Insani.
Vignoles, V. L., Chryssochoou, X., & Breakwell, G. M. (2000). The distinctiveness principle: Identity, meaning, and the bounds of cultural relativity. Personality and Social Psychology Review, 4(4), 337–354. https://doi.org/10.1207/s15327957pspr0404_4
Wicklund, J. (1999). The sustainability of the entrepreneurial orientation—Performance relationship. Entrepreneurship Theory and Practice, 24(1), 37-48. https://doi.org/10.1177/104225879902400103
Zahrawani, D. R., & Sholikhah, N. (2021). Analisis penerapan good corporate governance (GCG) dan pengaruhnya terhadap kinerja lembaga bank syariah [Analysis of the implementation of good corporate governance (GCG) and its influence on the performance of sharia banking institutions]. Jurnal Ilmiah Ekonomi Islam, 7(3), 1799-1818. https://doi.org/10.29040/jiei.v7i3.3611
References
Abdullah, M. M. (2014). Manajemen bisnis syariah [Sharia business management] (B. R. Hakim, Ed.). Aswaja Pressindo.
Abidin, M. Z., & Hafizah, Y. (2019). Conflict and integration in the Salafi-Wahabi purification movement in South Kalimantan. Wawasan: Jurnal Ilmiah Agama dan Sosial Budaya, 4(2), 191-201. https://doi.org/10.15575/jw.v4i2.6194
Amalia, E. (2009). Keadilan distributif dalam ekonomi Islam: Penguatan peran LKM dan UKM di Indonesia [Distributive justice in Islamic economics: Strengthening the role of microfinance institutions and small and medium enterprises in Indonesia]. Raja Grafindo Persada.
Amaliah, N., Puspita, L. M. N., & Hanif, P. (2024). Preferensi pengurus koperasi konvensional terhadap koperasi syariah di Provinsi Bengkulu [Preference of conventional cooperative administrators towards sharia cooperatives in Bengkulu Province]. Jurnal Ilmiah Edunomika, 8(1), 1-22. https://doi.org/10.29040/jie.v8i1.11605
Barker, C. (2003). Cultural studies: Theory and practice (3rd edition). Sage Publications.
Blumer, H. (1969). Symbolic interactionsm: Perspective and method. Prentice Hall.
Boettcher, J. W. (2004). What is reasonableness? Philosophy & Social Criticism, 30(5–6), 597–621. https://doi.org/10.1177/0191453704045756
Breakwell, G. M. (1987). Identity. In H. Beloff & A. Coleman (Eds.), Psychology survey 6 (pp. 94-114). British Psychological Society.
Castells, M. (2011). The power of identity the information age: Economy, society, and culture Volume II with a new preface. John Wiley & Sons.
Davis, J. L., Love, T. P., & Fares, P. (2019). Collective social identity: Synthesizing identity theory and social identity theory using digital data. Social Psychology Quarterly, 82(3), 254-273. https://doi.org/10.1177/0190272519851025
Efendi, R., & Bakhri, B. S. (2018). Konsep koperasi bung hatta dalam perspektif ekonomi syariah. Al-Hikmah: Jurnal Agama dan Ilmu Pengetahuan, 15(1), 111–135. https://doi.org/10.25299/jaip.2018.vol15(1).1594
Ernawati, J. (2011). Faktor-faktor pembentuk identitas suatu tempat. Local Wisdom: Jurnal Ilmiah Kajian Kearifan Lokal, 3(2), 1–9. https://doi.org/10.26905/lw.v3i2.1391
Fidiana, F. (2017). Tinjauan kritis kesyariahan koperasi syariah [Critical review of sharia cooperative sharia]. Iqtishadia Jurnal Ekonomi & Perbankan Syariah, 4(2), 137-154. https://doi.org/10.19105/iqtishadia.v4i2.1476
Frundt, H. J. (2005). Movement theory and international labor solidarity. Labor Studies Journal, 30(2), 19–40. https://doi.org/10.1177/0160449X0503000202
Hogg, M. A. (2001). A social identity theory of leadership. Personality and Social Psychology Review, 5(3), 184–200. https://doi.org/10.1207/S15327957PSPR0503_1
Hogg, M. A., Abrams, D., Otten, S., & Hinkle, S. (2004). The social identity perspective: Intergroup relations, self-conception, and small groups. Small Group Research, 35(3), 246–276. https://doi.org/10.1177/1046496404263424
Hund, S. A. & Benford, R. A. (2004). Collective identity, solidarity, and commitment. In D. A. Snow, S. A. Soule, & H. Kriesi (Eds.). The Blackwell companion to social movements, (pp. 433-457). Blackwell Publishing Ltd. https://doi.org/10.1002/9780470999103.ch19
Idris, M. (2016, Februari 25). Ini alasan nasabah syariah perbankan syariah RI masih minim [This is the reason why Indonesian sharia banking customers are still minimal]. detikfinance. https://finance.detik.com/moneter/d-3151148/ini-alasan-nasabah-syariah-perbankan-syariah-ri-masih-minim
Klandermans, B. (1984). Mobilization and participation: Social-psychological expansions of resource mobilization theory. American Sociological Review, 49(5), 583-600. https://doi.org/10.2307/2095417
Klaridermans, B. (1986). New social movements and resource mobilization: The European and the American approach. International Journal of Mass Emergencies & Disasters, 4(2), 13–37. https://doi.org/10.1177/028072708600400203
Lisa, A. N. (2021). Etika rasionalitas ekonomi terhadap kepentingan dalam diri manusia [Ethics of economic rationality towards human interests]. BALANCA : Jurnal Ekonomi Dan Bisnis Islam, 2(2), 95-105. https://doi.org/10.35905/balanca.v2i02.1425
Nugraha, F. (2018). Agama dan gerakan sosial ekonomi Muslim perdesaan: Penelitian terhadap jamaah majelis taklim dan baitul mâl wat tamwil di Kecamatan Arjasari Kabupaten Bandung [Religion and socio-economic movements of rural Muslims: Research on the congregation of the majlis taklim and baitul mâl wat tamwil in Arjasari District, Bandung Regency] [Doctoral thesis, UIN Sunan Gunung Djati Bandung]. https://digilib.uinsgd.ac.id/18989/
Osa, M. (1997). Creating solidarity: The religious foundations of the Polish social movement. East European Politics and Societies, 11(2), 339–365. https://doi.org/10.1177/0888325497011002007
Pepinsky, T. B. (2013). Development, Social Change, and Islamic Finance in Contemporary Indonesia. World Development, 41, 157–167.
Respati, A. R. & Pratama, A. M. (2023). Pangsa pasar perbankan syariah masih kecil, OJK bangun ekosistem dan dorong konsolidasi [The sharia banking market share is still small, the Financial Services Authority is building an ecosystem and encouraging consolidation]. Kompas.com. https://money.kompas.com/read/2023/04/12/141000026/pangsa-pasar-perbankan-
Saidi, Z. (2019). Tidak syariahnya bank syariah [Sharia banks are not sharia] (7th edition). Delokomotif.
Sakai, M. (2014). Establishing social justice through financial inclusivity: Islamic propagation by islamic savings and credit cooperatives in Indonesia. TRaNS: Trans -Regional and -National Studies of Southeast Asia, 2(2), 201–222. https://doi.org/10.1017/trn.2014.4
Sukmana, O. (2013). Konvergensi antara resource mobilization theory dan identity- oriented theory dalam studi gerakan sosial baru [Convergence between resource mobilization theory and identity-oriented theory in the study of new social movements]. Sosiologi Reflektif, 8(1), 39-62. https://ejournal.uin-suka.ac.id/isoshum/sosiologireflektif/article/view/524
Suretno, S., & Yusuf, R. (2021). Mahalnya pembiayaan di bank syariah [The high cost of financing in Islamic banks]. Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam, 5(2), 179-192. https://doi.org/10.30868/ad.v5i02.1679
Tarmizi, E. (2019). Harta haram muamalat kontemporer [Haram wealth from contemporary muamalah] (20th ed.). Berkat Mulia Insani.
Vignoles, V. L., Chryssochoou, X., & Breakwell, G. M. (2000). The distinctiveness principle: Identity, meaning, and the bounds of cultural relativity. Personality and Social Psychology Review, 4(4), 337–354. https://doi.org/10.1207/s15327957pspr0404_4
Wicklund, J. (1999). The sustainability of the entrepreneurial orientation—Performance relationship. Entrepreneurship Theory and Practice, 24(1), 37-48. https://doi.org/10.1177/104225879902400103
Zahrawani, D. R., & Sholikhah, N. (2021). Analisis penerapan good corporate governance (GCG) dan pengaruhnya terhadap kinerja lembaga bank syariah [Analysis of the implementation of good corporate governance (GCG) and its influence on the performance of sharia banking institutions]. Jurnal Ilmiah Ekonomi Islam, 7(3), 1799-1818. https://doi.org/10.29040/jiei.v7i3.3611