Trade-off Antara Kesinambungan Keuangan dan Jangkauan Lembaga Keuangan Mikro Syariah di Perdesaan Jawa Barat
DOI:
https://doi.org/10.31685/kek.v20i1.180Abstract
Sebagaimana lembaga keuangan mikro konvensional, Lembaga Keuangan Mikro Syariah (LKMS), diharapkan dapat memfokuskan layanannya kepada rumah tangga miskin. Layanan bagi rumah tangga miskin menyebabkan biaya operasi lembaga yang tinggi, sehingga berpotensi menimbulkan konflik dengan keberlanjutan keuangan. Tulisan ini menganalisis keberlanjutan dan jangkauan layanan LKMS untuk menunjukkan ada trade-off antara keduanya. Metodologi yang digunakan dalam penulisan ini adalah stochastic frontier approach (SFA) untuk menganalisis keberlanjutan dan model Consultative Group to Assist the Poorest (CGAP) untuk menganalisis jangkauan layanan LKMS. Hasil estimasi dengan SFA menunjukkan seluruh LKMS efisien. Model CGAP menunjukkan bahwa jangkauan layanananya lebih difokuskan kepada rumah tangga tani yang relatif sejahtera. Hal tersebut menunjukkan bahwa ketika LKMS dituntut untuk efisien supaya berkelanjutan maka jangkauan layanannya beralih kepada rumahtangga tani yang relatif sejahtera (fenomena trade-off). Untuk mengatasi trade-off antara keberlanjutan dan jangkauan layanan bagi rumah tangga miskin diperlukan sinerji antara LKMS dengan pemerintah dan lembaga-lembaga sosial lainnya.References
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