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Default Cover for Islamic Banking and Agricultural Development in Aceh: A Strategic Partnership Model Using ANP Methodology
Volume 14, Issue 1 (2025)
Islamic Banking and Agricultural Development in Aceh: A Strategic Partnership Model Using ANP Methodology
Affiliation Details
  • Haris Al Amin: Politeknik Negeri Lhokseumawe
  • Muhammad Ramadhan: UIN Sumatera Utara
  • Sugianto Sugianto: UIN Sumatera Utara
, Pages: 49-66 , DOI: 10.22373/share.v14i1.24028

Abstract

The persistent challenges to farmer welfare in Aceh, Indonesia, stem from interconnected internal and external constraints. Bank Aceh Syariah (BAS) has emerged as a pivotal institution in addressing these issues through partnership-driven empowerment models. This study develops a comprehensive empowerment framework leveraging BAS strategic role to enhance agricultural sustainability and farmer livelihoods. Employing a mixed-methods approach, it integrated qualitative interviews with multi-stakeholder perspectives (academics, government agencies, farming communities, and BAS policymakers) into an Analytic Network Process (ANP) analysis using Super Decisions Software 3.10. The findings identify significant internal barriers, such as knowledge deficits, limited access to technology, and innovation stagnation, alongside external challenges like climate risks, market volatility, and restricted access to Islamic financial services. The study highlights the interdependent dynamics of socioeconomic, environmental, and institutional factors shaping agricultural development. The proposed strategic framework emphasizes coordinated actions in resource distribution, policy alignment, and market integration, facilitated through strengthened BAS-farmer partnerships. This research contributes to the discourse on sustainable agricultural ecosystems by offering actionable recommendations for policymakers, emphasizing the critical role of integrated financial and institutional strategies in fostering resilience and development.

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ABSTRAK - Perbankan Syariah dan Pembangunan Pertanian: Model Kemitraan Strategis dengan Metode ANP. Kesejahteraan petani di Aceh, Indonesia, terus menghadapi tantangan yang kompleks akibat berbagai hambatan internal dan eksternal yang saling terkait. Bank Aceh Syariah (BAS) telah berperan sebagai institusi strategis dalam upaya mengatasi permasalahan tersebut melalui implementasi model pemberdayaan berbasis kemitraan. Penelitian ini merumuskan sebuah kerangka pemberdayaan yang komprehensif dengan memanfaatkan peran strategis BAS untuk meningkatkan keberlanjutan sektor pertanian sekaligus kesejahteraan petani. Dengan menerapkan pendekatan metode campuran, penelitian ini mengintegrasikan wawancara kualitatif dari berbagai pemangku kepentingan—meliputi akademisi, instansi pemerintah, komunitas petani, dan pembuat kebijakan BAS—ke dalam analisis Analytic Network Process (ANP) menggunakan perangkat lunak Super Decisions 3.10. Hasil analisis mengidentifikasi hambatan internal utama, seperti kesenjangan pengetahuan, keterbatasan akses terhadap teknologi, dan minimnya inovasi, serta tantangan eksternal berupa kerentanan terhadap perubahan iklim, ketidakstabilan pasar, dan akses yang terbatas ke layanan keuangan syariah. Temuan penelitian ini mengungkapkan adanya keterkaitan yang erat antara faktor sosial-ekonomi, lingkungan, dan kelembagaan yang memengaruhi pembangunan sektor pertanian. Kerangka strategis yang dihasilkan menekankan pentingnya intervensi terkoordinasi dalam alokasi sumber daya, harmonisasi kebijakan, dan penguatan akses pasar melalui kemitraan yang diperkuat antara BAS dan petani. Penelitian ini menegaskan urgensi pendekatan finansial-kelembagaan yang terintegrasi untuk menciptakan ekosistem pertanian yang tangguh serta memberikan rekomendasi strategis yang relevan bagi pembuat kebijakan dalam mendukung inisiatif pembangunan berkelanjutan.

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