Peningkatan Efisiensi LKMS Inklusif Melalui Skim Pembiayaan Mikro Takaful Untuk PKL Surabaya
DOI:
https://doi.org/10.30651/jms.v1i1.413Abstract
Surabaya sebagai kota metropolis kedua di Indonesia, isu terkait tenaga kerja informal khususnya pedagang kaki lima merupakan salah satu isu abadi yang sangat kompleks untuk diselesaikan. Satu hal yang perlu digarisbawahi adalah PKL menjadi salah satu solusi alternatif dalam mengurangi angka pengangguran di Surabaya sebagai kota urban. Sehingga wajar saja kalau PKL layak mendapatkan jamsostek (jaminan sosial ketenagakerjaan), mengingat tempat kerjanya yang rentan kecelakaan kerja dan jaminan hari tua untuk keluarga mereka. Sementara UU SJSN dan jamsostek maupun UU pelaksana lainnya belum secara signifikan menganggarkan untuk mereka. Sehingga perlu segera diadakan skim coverage baru yang diinisiasi oleh lembaga non pemerintah untuk jamsostek PKL. Melalui Lembaga keuangan mikro syariah (LKMS) dengan karakter inklusifitasnya, maka salah satunya BMT mengadakan skim pembiayaan mikrotakaful untuk tenaga kerja informal, khususnya PKL dalam rangka coverage kecelakaan kerja dan jaminan hari tua. Dengan menggunakan metode penelitian PAR (Partisipation Action Research) dengan PKL-PKL di sentra PKL yang sudah disediakan oleh Pemkot Surabaya maupun yang masih liar, dan dari pihak LKMS. Sehingga diharapkan dari penelitian ini mampu menjadi new inside dalam Islamic Economic science dan menjadi solusi alternatif mewujudkan kesejahteraan umat.ÂDownloads
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