Muhammadiyah of West Java and Sharia Rural Financing Bank

  • Dadang Husen Sobana Universitas Islam Negeri Sunan Gunung Djati, Bandung
  • Sulaeman Jajuli Universitas Islam Negeri Sultan Maulana Hasanudin, Banten
  • Hendra Safri Intitut Agama Islam Negeri, Palopo
Keywords: Muhammadiyah, Sharia Rural Financing Bank (SRFB), Fatwa, SWOT Analysis


This article reveals the urgency of Regional Director of Muhammadiyah of West Java (RDMWJ) to have Islamic Rural Financing Bank (IRFB) or Sharia Rural Financing Bank (SRFB) that in Indonesia, it is mentioned by Bank Pembiayaan Rakyat Syariah (BPRS). By using descriptive method, this article found that with the issuance of Muhammadiyah fatwa on April 3, 2010, which stated that conventional bank interest was ḥarām, it was considered important and urgent that Muhammadiyah in West Java must have RSFB (BPRS) as other Muhammadiyah Regional in Indonesia. The framework of thinking in this research begins with the presence of a financial institution in the midst of a lot of solid economic activity and business activities are a necessity. Moreover, today there are no life activities that cannot be separated from the role and function of financial institutions, the RSFB (BPRS) is one of them. By using the SWOT analysis, the research results obtained indicate that it is time for Regional Director of Muhammadiyah of West Java to establish a Sharia Rural Bank as one of the solutions to the synergy of several existing business and to show the alignments of the people who need financing.


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