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이슬람 금융을 이슬람식으로 만드는 요소: 인도네시아의 샤리아 마이크로파이낸스 기관의 사례

Islamic Elements Embedded in Islamic Finance:A Case of Syariah Microfinance Institution in Indonesia

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초록

이 논문의 목표는 인도네시아 마이크로파이낸스 기관인 BMT 운영에 통합되어 있으며, BMT를 이슬람 금융 기관으로 규정하도록 하는 종교적 요소가 무엇인가를 탐구하는 것이다. 이를 통해 BMT의 종교적 정체성이 단순히 계약 방식에 국한되지 않으며, 이슬람식 이상을 실현하고자 하는 무슬림의 열망과 노력, 그리고 이들이 동원하는 무슬림 네트워크에 기반하고 있음을 주장하고자 한다. BMT를 이슬람적인 것으로 만드는 요소가 거래방식에 국한되지 않음을 밝힘으로써, 이 글은 학계의 논의에서 나타나는 형식주의적 경향, 즉 샤리아 적합성 여부에 초점 맞추어 이슬람 금융을 설명하려는 경향의 한계를 지적할 수 있을 것이다. 또한 이슬람 금융 활동가들의 인식과 실천의 중요성을 밝힘으로써 이슬람 금융을 활성화시킬 요소가 무엇인가에 대한 논의를 확장시킬 수 있을 것이다.

Abstract

This paper explores religious elements that are incorporated into operations of Indonesian microfinance institution (BMT) and are appropriated by its activists to define it as an Islamic financial institution. It will be argued that BMT’s Islamic identity is not limited to Islamic contracts, but includes BMT activists’ desires and efforts to realize religious goals, and Muslim networks they rely on. By demonstrating what makes BMT Islamic is not restricted to the contracts, this research can highlight the weaknesses in the formalistic approach to Islamic finance which deals mainly with syariah compliance. In addition, by stressing the importance of aspiration and commitment of Muslim activists, this paper proposes what are required to develop commercially viable, financially sustainable and religiously inspiring Islamic finance.

참고문헌 (54)

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