THE ROLE OF ISLAMIC COOPERATIVES IN DEVELOPING SOCIETIES’

ECONOMY
CERTIFICATE
PREFANCE
CONTENS
CHAPTER I :INTRODUCTION
A.The Background of Problem
B.The Formulation of Problem
C.TheAims of Writing
D.TheMethod of Writing
CHAPTER II :General Description of Cooperatives
A.Definition of Cooperatives
B.Difference between Islamic and Conventional Cooperatives
C.Management system of Islamic Cooperatives
CHAPTER III :The Role of Islamic Cooperatives in Developing societies’
Economy
A.The Role of Islamic Cooperatives
B.Empowering Micro Busineses
C.Promblems and Policies in Developing societies’
CHAPTER IV :CLOSING
A.Conclusions
B.Suggestion
REFERENCE
CURRICULUM VITAE
SCORE OF SHEET
 CHAPTER I

INTRODUCTION

A.The Background of problem

Cooperative are one of the pillars of Indonesian economy builder that plays
a role in the development of various trade sectors agricultural businesses
sectors.Cooperatives are the teacher’s of national econonomy has a very strategic
position and role in growing and developing people’s economic
potential.Cooperatives are associtions of economic interest,these joint ventures
are democtarycally supervised.Cooperative are economic oraganizatios,called
organizations because there are cooperative members who form
them.Although,this organization is not arbitrary,because it has a special
nature,namely as an economic organization.The organization carries out economic
activies.The aim of the actifity is to achieve the welfare and prosperty of the
members.

Cooperative members have the same basic ambition,the basic aspirations of

cooperative members are to achieve prosperty or affluence.Thisprosperty or
affluence wants to be achieved together.This ambition want to be realized
together.cooperatives have social character cooperative members don’t want to
prosper themselves.Cooperative members help each other to improve the
prosperity of each member.we can get the nature or social characters of
cooperatives,which is to help weak member of cooperative.
 Cooperative are very necessary in Indonesia because the welfare of the
sosieteies’will increase if economic growth improvement,the growth of the
developing economy is not in only determined by large economic actors,butalso by
micro small not only be aimed at economic interest,but must also meet social
aspects,culture and mutual cooperation,cooperative can develop by improving
management,increasing human resource capabilities and provide capital/financial
in accourdance with their feasibility and cabilities.

The father of cooperative Indonesia is Bung Hatta,in order to explain the

advantages of compete.cooperative should is distinguished from other economy
organization,in terms of the purpose for the profit,in term of a cooperative minimal
owned by members,while the other effort owned by the owner of the capital1.In
managing cooperatives there are two main actors who play a role in dicision making
namely members and management.Members are the owners of cooperative
business entity.Management is person who can make dicisions based on fair
principles and is responsible for developing cooperatives.In general business units
that are not cooperatives are seeking maximum profits,while cooperatives other
than seeking profit also perform services to their members.

B.The Formulation of Problem

As for the purpose and benefits of writing this paper is to know and explain
how the role of Islamic cooperatives in developing societies’ economy.

1
Hendarkusnadi,ekonomikoperasi (fakultasEkonomi UI) hal.12
C.TheAims of Writing

Cooperative aims are to advance welfare members in particular and

community at large.

D.The Method of Writing

1.Reading books and journals related to the topic.

2.Collect material from several raeading source such as books,articles and

Journals related to the topic.

3.Outline journal book and articles related to the topic

 CHAPTER II
General Description of Cooperatives
A. Definition of Cooperatives
Cooperative in general comes from the word latin,from the word latin
namely “cum” meaning with,and “apersi” meaning work.From these two
words in English known by the term “co” and “operation”,which means work
together.The word cooperation into the term economic as “cooperative”
which means the organizations with the member ship of which is
voluntary.Economics explain that the cooperative is some thing the
assembly of the above equality as a human being with no distinction of
religion and politics volunteered to become members and to meet the needs
of the joint shall be borne together.2The definition of cooperatives according
to law no.25 of 1992 articles 1 is :a business entity consisting of persons,or
legal entities with the bases cooperative activities based on cooperative
principles as well the people’s economy which is based on the principle of
kinship.

B.Difference between Islamic and Conventional Cooperatives

1.Understanding of Islamic Cooperation
The understanding of Islamic Cooperative or Baitulqirath technically can be
said aste cooperative principle,purpose and business activities based on Islamic
sharia,namely the quran and as-sunnah.The general sense of the islamic is a
cooperative business entity which is doing business with sharia principles.3

2
Syamsuddin Mahmud.Dasar-dasar Ilmu Koperasi dan Gerakan Koperasi,(Jakarta internusa,2000),hal.109
3
Buchori Nur S,Koperasi Syariah,(Sidoarjo:Kelompok Masmedia Buana Pustaka,2009),hal.27
Islamic cooperative are very much different from cooperative
conventional,because on the hand cooperatives conventional to use a system of
interest while the cooperative services of sharia using the system for result or sell
buy.

In the Islamic economy must be sourced to the alquran and hadist.justice,

the prohibition on riba,compete in goodness please help give priority to buying

and selling.4

2.The understanding of cooperatives conventional

In general cooperatives conventional and Islamic cooperatives refers to the

basic principles of cooperatives is the same,namely according to law no.25 1992
about cooperatives,namely : Among others,membership is voluntary and
opened.5 Cooperative conventional in operations use the system interest in the
service to members,bost in provide loans or in serve saving members.Cooperative
conventional in Indonesia is very much,cooperative conventional in Indonesia is
very much,but it’s been a lot to change the body is being cooperative
developers,because many a cooperative began to realize that will be the meaning
of verse in alquran.From the meaning of usury according to the Arabic language is
more ( increased ),as is the definition of according to the term syarak is “a the
extra in the transaction selling bought and an additional over financial
capital/debt because of the factors time in absolute.

4
Lembaga Diklat Profesi Pinbuk Jakarta.2018.M121
5
UU No.25 Tahun1992 tentang Perkoperasian
C.Management system of Islamic Cooperatives

Each of the organization has a done to develop the each other’s company.
however,not all the financial have the same businessr,as for the businesses
conducted by Islamic cooperative,namely :

a.Thebusiness which is lawful,good and beneficial (thayyib) as well as

favorable with the system for result or sell buy without usury or
indefiniteness (gharar).

b.The business must be in accordance with the provisions of national sharia

board of committee mufti Indonesia.

c.The business that make it at odds with applicable law.

The laws of Islamic economy,can be defined as the branch of science that studies
how humans meet needs that are limited by tool dissatisfaction needs limited. 6

The development of Islamic cooperative that exist around us centainly very

help serving members of the community to get venture capital cheap and
ablessing.Islamic cooperative can free up members of the public from the practice
loan sharks (creditor) who overload their loan with high interest.A result of the
practice for loan sharks such their effrorts are less developed,because it must pay
interest on the loan that expensive.The Islamic economic system when
implementedin the community is certainly a blessing for his efforts.In this case we

6
Muhammad,Ekonomi Mikro,dalam Perspektif Islam (Yogyakarta:BPTE,2005)hal.162
can see in the area about the presence of Islamic cooperative called Baitul Qiradh
as institutions which channel financing (capital loans)to small businesses for
example merchants who sell in the markets,which they do not have acces to
banking will be served by the Islamic cooperative and made them as members of
the cooperative.