"Marissa Haque:Indonesia, BMT, dan Usaha Mikro Tahun 2011 "

Marissa Haque, beberapa kali dalam talkshownya bicara tentang BMT dan pengembangan usaha kecil dan mikro. Kali ini Wartawan Tamaddun Zubaeri At berhasil mewawancarainya, ketika Marissa menghadiri acara BMT Summit dan Top Managemen BMT Workshop yang diselenggarakan oleh BMT Center di Jakarta bulan Oktober lalu.

Kehadirannya di acara tersebut membuktikan bahwa Marissa peduli BMT.

Berikut pandangan Marissa tentang BMT dan usaha mikro tahun 2011.

Mbak Marissa, apa pendapat anda tentang BMT?
Saya tahu BMT, karena di dekat rumah saya ada BMT. Saya banyak mendengar tentang kelebihan layanan BMT. Dalam akad BMT sesuai syariah tidak ada denda dan kadang tidak pakai jaminan.

BMT juga dalam pembiayaan tetap menggunakan prinsip 5 C + 1 S sebagaimana lembaga keuangan selama ini, yakni karakter, kapasitas, modal, jaminan, kondisi dan satu tambahan syariah dalam memberikan pembiayaan keapada anggota.

Menurut mbak Marissa, apa yang mesti diupayakan untuk BMT?
Menurut saya, perlu diusahakan adanya payung hukum yang jelas buat BMT dari pemerintah terkait dengan perlindungan. Kita tahu, BMT di saat krisis kemarin mampu bertahan dan dapat memulihkan ekonomi bangsa, karena denyutnya riil, nyata pada sektor mikro.


TAMZIS pembiayaannya fokus pada pasar, sejauhmana sumbangsih BMT kepada pasar?
Kebetulan saya sedang menyelesaikan tesis saya fakultas ekonomi UGM berkaitan dengan BMT, khususnya pada salah satu BMT di Jogjakarta. Saya melihat bagimana BMT memberi sumbangsih besar dalam menghapus lintah darat atau rentenir, padahal pedagang butuh modal. Nah, itulah tugas BMT untuk memberi modal. Makanya diawal saya katakan BMT perlu perlindungan hukum dari pemerintah.

BMT selain memberi modal usaha, sebenarnya BMT juga mengajarkan pola hidup syariah, bagaimana menurut mbak?
Itu memang yang diharapkan dari BMT. Penelitian saya di BMT yang saya teliti setiap bulannya mengadakan pengajian umum dan penggeraknya anaknya sultan yakni Gusti Pembayun dan saya dua kali ikut pengajian tersebut.

Dalam pengajian pedagang juga dikenalkan dengan istilah-istilah ekonomi syariah kepada pedagang. Saya kira istilah-istilah tersebut ketika sering diucapkan dan dipraktekkan, pedagang akan lebih mudah dan cepat memahami. Bisa juga mengenalkan ekonomi syariah melalui radio komunitas yang ada disuatu pasar tertentu, dan itu tidak perlu biaya mahal tapi mengena.

Bagaimana prospek BMT di Tahun 2011?
Baik, dan akan semakin baik. Tapi persoalan BMT terbesar adalah payung hukum yang tidak ada atau belum ada.

Apa yang mesti dilakukan BMT untuk meningkatkan pelayanan?
Ya sosialisasi. Bikin pengajian akbar dipasar-pasar. Itu dahwah lo, bukankah khalifah Umar berdakwah dipasar, yakni dakwah bil hal (dakwah dengan tindakan).

Bagaimana BMT ke depan?
Harapannya, BMT tetap low profil, setia melayani sektor mikro yang penting high profit (keuntungan tinggi) itu lebih penting. BMT tidak boleh berubah identitas apalagi spirit. Islam itu harus kaya, makanya harus high profit, itu berkaitan harga diri. Rasulullah sendiri umur 12 tahun sudah dagang, jadi interpreneurship. Ada juga hadis yang mengatakan 90% rizki di jalan Allah diperoleh dari usaha dagang

Sumber: http://www.tamzis.com/index.php?option=com_content&task=view&id=163&Itemid=9

Photo Courtesy of RA Menik Kodrat

"Marissa Haque: Indonesia, BMT, dan Usaha Mikro Tahun 2011 "

Serba Illegal Logging: dalam Riset Marissa Haque Fawzi

illegal logging info
question and answer about illegal logging
Illegal logging problem

about illegal logging

illegal logging in Indonesia

http://www.greenpeace.org/international/en/campaigns/forests/threats/illegal-logging/
http://www.google.co.id/search?q=++illegal+logging+in+Indonesia&ie=utf-8&oe=utf-8&aq=t&rls=org.mozilla:en-US:official&client=firefox-a
http://webarchive.nationalarchives.gov.uk/+/http://www.dfid.gov.uk/casestudies/files/asia/indonesia-illegal-logging.asp

a refusal towards illegal logging

Indonesia Forest Defenders camp

information about condition indonesia forest

The Ministry of Forestry Republic of Indonesia

impact of illegal logging

http://www.illegal-logging.info/item_single.php?it_id=530&it=news

http://www.orangutan.org/logging.php

http://www.greenpeace.org/international/en/campaigns/forests/threats/illegal-logging/

http://www.google.co.id/search?q=about+illegal+logging&ie=utf-8&oe=utf-8&aq=t&rls=org.mozilla:en-US:official&client=firefox-a

The Truth Behind Chopping Down Tress: in Marissa Haque Fawzi

ILLEGAL LOGGING

Source: http://www.matscorpio96.co.cc/

Illegal logging is the harvest, transportation, purchase or sale of timber in violation of laws. The harvesting procedure itself may be illegal, including using corrupt means to gain access to forests; extraction without permission or from a protected area; the cutting of protected species; or the extraction of timber in excess of agreed limits.

Illegalities may also occur during transport, such as illegal processing and export; fraudulent declaration to customs; and the avoidance of taxes and other charges.

THE PROBLEM

Illegal logging is a pervasive problem, causing enormous damage to forests, local communities and to the economies of producer countries. Despite the economic importance of trade in timber and forest products, major international timber consumer countries, such as the EU, have no legal means to halt the import of illegally sourced forest products because the identification of illegally logged or traded timber is technically difficult. Therefore, a legal basis for normative acts against timber imports or other products manufactured out of illegal wood is missing. Currently, scientific methods to pinpoint the geographic origin of timber is under development. Possible actions to restrict imports cannot meet with WTO regulations of non-discrimination. They must instead be arranged in bilateral agreements.

SCALE

It is estimated that illegal logging in public lands alone causes losses in assets and revenue in excess of 10 billion USD annually. Formulation and Implementation of National Action Plans to Combat Illegal Logging and Other Forest Crime. Results of ENA-Fleg. World Bank Technical Paper. Although exact figures are difficult to obtain, given the illegal nature of the activity, reliable estimates indicate that more than a considerable share, in some cases more than the half of all logging activities in particularly vulnerable regions Africa, Southeast Asia, the Russian Federation and some of the Baltic states – is illegal.

CONSEQUENCES

Illegal logging contributes to deforestation and by extension global warming, causes loss of biodiversity and undermines the rule of law. These illegal activities undermine responsible forest management, encourage corruption and tax evasion and reduce the income of the producer countries, further limiting the resources producer countries can invest in sustainable development. Illegal logging has serious economic and social implications for the poor and disadvantaged.

Furthermore, the illegal trade of forest resources undermines international security, and is frequently associated with corruption, money laundering, organized crime, human rights abuses and, in some cases, violent conflict. In the forestry sector, cheap imports of illegal timber and forest products, together with the non-compliance of some economic players with basic social and environmental standards, destabilise international markets. This unfair competition affects those European companies, especially the small and medium sized companies that are behaving responsibly and ready to play by fair rules.