BASYTAMA CONCEPTS OF SHARIA FINANCIAL LITERATURE ACCELERATION IN PREPARING EXCELLENT HUMAN RESOURCES BASED ON VILLAGE COMMUNITIES

Indonesia's Islamic finance sector (Halal Finance) is experiencing rapid growth. In a pandemic situation, Islamic banking grows consistently. It recorded that in 2020, Islamic banking grew by 9.22%. Based on the Islamic Finance Development Index issued by the Islamic Corporation for the Development of the Private Sector (ICD), Indonesia's Islamic finance industry managed to climb to rank two after previously occupying the 4th position. The productive age of the population also has considerable potential to increase the number of Islamic bank customers in Indonesia. This is also becoming more potential because based on data from the Central Statistics Agency in 2019 Indonesia has 83,820 villages. However, on the other hand, based on a survey from the Financial Services Authority (OJK) in 2019, the Islamic financial literacy index of the Indonesian people only reached 8.93%. Based on the potential and existing problems, this study aims to develop a concept of public interest in using Islamic bank products through the Bank Syariah Kita Bersama (Basytama) program which is part of a community empowerment strategy and builds superior human resources through the development of community-based Islamic financial ecosystem institutional aspects. village. This research is based on descriptive qualitative analysis. This is supported by the use of primary and secondary data, in primary data collection we use distributing questionnaires to people and conducting interviews by telephone or virtual conference based on in-depth interviews. contact. In addition, to help support research to obtain more comprehensive and extensive data, we also use secondary data through library research, using various trusted and credible reference sources. The conceptual model of Basytama focuses on aspects of Islamic banking, empowerment, and education in rural communities. We base this concept on Basytama programs such as collecting and distributing funds, collaborating with stakeholders at the village level, opening assistance programs, and researching village potentials through the Basytama Institute so that it is hoped that an increase in the competence and standard of living of the community will be achieved accompanied by an increase in the quality of life. Islamic financial literacy at the village level.


Introduction Background
Growth in implementing the Islamic monetary system increased rapidly in four decades in various countries such as Malaysia in the mid-1940s, in Pakistan in the late 1950s, and Egypt through the Mit Ghamr Bank and Nasser Social Bank. The growth of the Islamic finance sector was growing in the 1970s. According to (Siddiqi 1996), this time span is the time when Islamic banking in the world experienced a revival. The rise of the world of Islamic banking in various Islamic countries certainly affects the development of the Islamic finance sector in Indonesia.
Indonesia with the second largest Muslim population in the world with a Muslim population of 276,361,782 in 2021, amounting to 87.20% of the total population, and 12.70% of the total world population, feels various influences on the growth of the Islamic finance sector in Indonesia. various Islamic countries in the world. Starting in 1991 Bank Muamalat Indonesia was established and officially operated in 1992. However, the large development of Islamic banking in Indonesia only occurred after 1998 (Rae 2008).
Indonesia continues to show development and progress in the Islamic banking sector from year to year. The Global Islamic Economic Report (2020) reports that the value of Islamic financial assets is estimated to increase by 13.9 percent for 2019. The nominal value of $2.52 trillion increases to $3.88 trillion. In 2021, Islamic finance will also grow positively (Dinar Standard 2020). In May 2021, Islamic banking assets grew 15 percent. The data shows that the pandemic has not dampened the pace of Islamic banking to continue to grow.
Seeing significant and consistent progress and promising great potential. Researchers sparked the idea of a sharia bank product, Bank Syariah Kita Bersama (Basytama) by empowering rural communities which are expected to provide benefits for the wider community to improve various aspects that are the way to achieve prosperity.

Problem Formulation
Based on the background of the research to be conducted, the following problem formulations can be drawn: 1. How is the public interest in using Islamic bank products through the Bank Syariah Kita Bersama (Basytama) program which is part of the community empowerment strategy through the development of institutional aspects of the Islamic financial ecosystem community based village community? 2. Can the Bank Syariah Kita Bersama (Basytama) program help achieve an increase in people's living standards? 3. Is the Bank Syariah Kita Bersama (Basytama's program) can improve Islamic financial literacy at the village level?

Objectives
Based on the formulation of the problem, we can find out the research objectives, namely: 1. To find out the public's interest in using Islamic bank products through the Kita Bersama Syariah Bank (Basytama) program which is part of a community empowerment strategy through the development of community-based Islamic financial ecosystem institutional aspects village. 2. To find out that the Bank Syariah Kita Bersama (Basytama) program can help achieve an increase in people's living standards. 3. To find out that the Bank Syariah Kita Bersama (Basytama) program can increase Islamic financial literacy at the village level.

Benefits
From the background and objectives of the research above, the benefits of this research can be found, namely: 1. Providing information about public interest in the Islamic Bank program which is part of the community empowerment strategy through the development of institutional aspects of the Islamic financial ecosystem based on rural communities. 2. Providing information about programs with aspects of sharia banking, empowerment, and education can be implemented so as to support the development of literacy and welfare of rural communities. 3. The results of the study can be used as a reference for developing Islamic banking products based on rural communities.   7) Take over debt based on the akad Hawalah or other contracts that do not conflict with sharia principles; 8) Doing business with debit card and/or card financing based on sharia principles; 9) Buy, sell or guarantee at your own risk third party securities issued on the basis of real transactions based on Sharia Principles, between others, such as ijarah contract, musyarakah, mudharabah, murabahah, kafalah, or hawalah; 10) Buy securities based on sharia principles issued by the government and/or Bank Indonesia; 11) Receive payment from bills on securities and perform calculations with third parties or between third parties based on sharia principles; 12) Doing custody for the benefit of other parties based on a contract based on the principls sharia; 13) Provide a place to store goods and securities based on sharia principles; 14) Move money, either for its own sake as well as for the benefit of the Customer based on sharia principles; 15) Perform functions as a Trustee based on Wakalah contract; 16) Provide letter of credit or bank guarantee facilities based on Sharia Principles; 17) Carry out other activities commonly carried out in the field of banking and in the social sector as long as not contrary to Sharia Principles and in accordance with the provisions of the legislation. According to Kasmir (2010) the following are the types of Islamic bank products: 1) Funding Products a) The principle of buying and selling, by transferring ownership of goods.

Literature Review Theory
b) The principle of lease, namely the transfer of usufructuary rights to goods or services without being followed by a transfer of ownership of the goods being leased. c) The principle of profit sharing, namely working together to increase the assets owned. 2) Fundraising Products a) The principle of Wadiah (savings) is wadiah yad dhamanah, the party entrusted with is responsible for the integrity of the deposited property so that he may take advantage of the deposited property. Then there is the wadiah yad amanah, the entrusted property cannot be used by the entrusted person. b) Mudharabah Principle. c) Depositors or depositors of funds act as owners of capital while banks act as managers. Funds deposited by the bank are used to carry out financing.

3) Banking Service Products
Islamic banks can provide services to customers by getting compensation in the form of rent or profit.

Intersest
Intersest is defined as an impulse that causes a person to do what he wants to do voluntarily, and in a state of free choice (Sukanto 1985). When someone judges that something will be useful, it will become intersested, then it will bring satisfaction. When satisfaction decreases, interest will also decrease. So that intersest is not permanent, but interest is temporary or can change. There are several stages of intersest, including: a. Clear information before becoming a customer b. Careful consideration before becoming a customer c. The decision to become a line age (Sukanto 1985). Public intersest in Islamic banks is also an important factor that needs to be owned so that people can determine their decision to choose what bank services they want to use.

Research Methods Methods
The writing method in this work uses a descriptive method using a qualitative approach. This paper is structured to answer the formulation of the problem by describing the problem based on the theoretical basis to be studied. Studying the problem to create a solution in this paper is done by reading the literature that is following the focus of the problem at hand. In addition to supporting writing, the author also conducted a literature study which was then harmonized with existing ideas and problems.

Data Type
Writing in this scientific paper uses primary data and secondary data. Qualitative data in the form of analysis of problems related to superior HR development strategies oriented to increasing Islamic financial literacy in rural communities. Our primary data search used questionnaires and also semi-structured interviews with representatives of several elements of society evenly, so that more open data would be obtained. This type of semi-structured interview is included in the in-depth interview category, which in its implementation is more free than structured interviews (Gunawan 2013).

Data Source
This scientific work uses data from distributing questionnaires to various parties and groups with an age range of 15-50 years with the aim of getting opinions from each object briefly and using in-depth interviews with several community groups and also academics with the aim of getting in-depth views. On the other hand, we also conducted a literature study with the aim of adding information and data from various credible parties.

Data Analysis Technique
The data collected is then used as material in analysis. The analysis was carried out qualitatively so that conclusions can be drawn based on the discussion of each of the problems raised. The steps in analyzing the data are as follows: 1. Data Collection (Data Collection) Data and information were obtained from the informants using interviews, questionnaires, and documented literature studies. Then, it is combined into an observation note in which there are two aspects, namely a description note which is a natural record that contains what is heard, experienced, recorded, seen, felt without any response from the researcher to the phenomena that occur. The second is reflection notes, namely notes that contain the impressions of messages, comments, and interpretations of researchers about the phenomena they face, these notes are obtained from the results of interviews with various informants.

Data Reduction (Data Reduction)
Data reduction is a process of selecting, focusing on the steps of simplification, abstraction, and transformation of rough data that emerges from written records in the field.

Data Display (Data Display)
The presentation of the data is intended to facilitate the author in terms of seeing the description of the observations and the process of making conclusions because the observations are still in the form of independent data.

Conclusion Drawing
The final step in qualitative data analysis is drawing conclusions. Drawing conclusions is an attempt to find or understand the meaning of regularity, patterns, clarity, causal paths or, propositions (Bungin 2001). Before we formulate the conclusion after showing the data we conduct a swot analysis on the Basytama concept. Analysis Strengths -Weaknesses -Opportunities -Threats (SWOT) analysis is an analytical tool useful for managers in developing strategies such as power -opportunities (SO), weakness -opportunities (WO), strength -the threat (ST), and weaknesses -threat (WT) (David 2011)The implementation of the SO strategy will take advantage of the strengths of the company's internal side to later take advantage of external opportunities, the WO strategy aims to improve internally by taking advantage of external opportunities, the ST strategy will use the strengths of the company's internal body and reduce or avoid external threats, while the ST strategy will use the strengths of the company's internal body and reduce or avoid external threats. WT is a defensive technique carried out by companies in order to reduce internal weaknesses and avoid external threats.

Writing Stage
The stages of writing are used as the main framework in writing essays. This stage is the steps in finding problems, identifying problems, finding solutions, and expressing them in a written work in detail. There are 6 stages of writing scientific papers, namely as follows: 1. Assessing problems related to unbanked communities, the Islamic financial literacy index which is still quite low, and analyzing the potential of villages in Indonesia. 2. Identify related problems according to the topics studied. 3. Formulate the problem according to the focus of the problem being studied and analyzed. 4. Searching for data through distributing questionnaires, interviews with various elements of society, and literature studies.

5.
Collecting data to support the sharpness of the analysis of existing problems. 6. Analyze and discuss the concept of the right solution, to improve the Islamic financial literacy index and prepare superior human resources who are educated in sharia economics based on rural environments, then draw conclusions based on the findings and concepts that have been formulated.

Result and Discussions The Conditions of Village Community's Interest to Sharia Banking Products
In village as the main player in grounding the sharia economy, is expected to play a serious role. Based on the results of interviews with several informants, they need a sharia bank that is specific to the village scope. Where the socialization process is not only carried out by the bank, but also from the community itself so that it will foster a higher value trust, because it is proof of their trust and recommends it through the closest people. When interviewing several informants, they admitted that there were still many people in their villages who did not know about Islamic banking products and the urgency of Islamic finance in the midst of today's life.
In addition, based on the informants we interviewed, especially village youth, it was deemed necessary to be the main key holder for the implementation of Islamic economic grounding in the village community, they are willing if a program is held to introduce Islamic finance and banking in the community while deepening the knowledge. Another condition described by the informants is the lack of information about Islamic finance in the village, both Islamic financial institutions (LKS) and non-Islamic financial institutions (Non-LKS), because there is no direct socialization and education like conventional banks which generally have good behavior, compared to current Islamic banking which does not yet exist and does not yet live in the midst of rural communities, so it is natural that they lack information about the world of finance and Islamic banking. This is also in line with the informants' acknowledgment that the distance of Islamic banks is still further than conventional banks and the desire of rural communities to save in simple, easy, and fast conditions. Based on these things, it can be seen that it is necessary for Islamic banks to be present in the village community, but their presence is not only an ordinary Islamic banking, but is able to contribute and play a role in village development through the community. In addition, based on the results of our questionnaire with 29 respondents, our research subjects were 89.7% were students and 10.3% were the general public.

Strategy For Increasing Interest in Sharia Banking Products and Sharia Financial Literacy
Bank Syariah Kita Bersama (Basytama) is an accelerative concept in alleviating the problems of low Islamic financial literacy in Indonesia and developing villages to prepare superior human resources who can later become pioneers of the sharia economy in their home environment. Basically, Basytama has four main functions in improving the financial literacy of sharia, introduce Islamic banking, and set up a superior human resource: 1. The basic function Basytama is collecting funds in rural communities by basing the concept of sharia, so the contract-contract and financial activity in it in line with this concept. The opening of Islamic financial products in the village is carried out in stages which are adjusted to the level of Islamic financial literacy, interest, and potential based on the results of research analysis from the Basytama Institute. and Research Center. and youth organizations, can be trained and receive simple material with the aim of being able to apply it to life in a practical and practical way. become agents of change in their respective environments, at least from their own families. The development program can be carried out by involving Basytama in the curriculum of Islamic boarding schools, facilitating the community, especially youth mosques/Islamic boarding schools in taking professional certifications such as becoming zakat amil in their environment by collaborating with associations in accordance with their fields, opening courses for local youth to be able to Studying at Basytama directly in turns, the aim is to foster interest and prepare them to become the nation's successors who will ground the sharia economy in Indonesia. The next main function is from the research center. Basytama continues to explore the potential of the village by optimizing its research team by utilizing the research team in digging up data on the village. On the other hand, the research center is also a medium for Basytama to provide assistance to the local community, by opening assistance it will certainly make it easier for Basytama to obtain data as well as prepare superior human resources who are trained in the field of research and science. The four programs above become a coherent unit where each program has its own focus, but all of them are related and focus on developing superior human resources in the village based on improving Islamic financial literacy. In summary, the Basytama concept is described as follows. This program will certainly provide benefits to the village community, especially in the short and long term.

Cooperation and Regeneration
The educational process and various socialization steps are deemed to be less than optimal if they do not revive the sharia economy from within the community itself. With this strategy, Basytama continues to optimize education and assistance programs through the Basytama Institute and Research Center so that it will give birth to agents of change from the community itself. In order to give birth to the successors and spreaders of the sharia economy itself, Basytama builds relationships with youth institutions in the village such as Islamic boarding schools, youth mosques, and organizations to make it easier to socialize and educate sharia economics. The following is an overview of the Basytama implementation development strategy.

Conclusion
Based on the results of the investigation through the distribution of questionnaires and interviews as well as alternative solutions, several points were obtained as follows: 1. Public knowledge, especially regarding Islamic financial literacy, which has an impact on Islamic banking information is still quite low and socialization is needed is shown in the results of our data acquisition when surveying the community online, where as many as 24.1% of village youth do not know about Islamic financial information. 2. Based on the situation experienced by the community through a survey we conducted and found that as many as 27.6% of the public do not know the concept of Islamic finance, then with Basytama can be a step in solving the problem. Basytama's role is to become an Islamic bank that aims to introduce Islamic financial products through village development, so that it is designed programs that maintain the function of the bank, but accompanied by programs that embrace the village. 3. The data we obtained through the survey found that in the application of Islamic finance to the family or nearby environment there are still 27.6% who have not implemented it, therefore efforts to improve Islamic financial literacy in villages, through Basytama which focuses on optimizing the role of youth in the village so that later become agents of change at least in their homes.

Suggestion
As a step in resolving and improving the condition of the community's Islamic financial literacy, collaboration with the central government is needed in this case with the financial services authority which can later be distributed to other Islamic financial institutions, both banks and non-banks. Excellence can be more comprehensive and more competitive. In line with this, it is also necessary to receive education from DSN MUI, especially in halal product certification, which is often an obstacle for rural communities to expand their business area, due to lack of knowledge and facilities being sought.