Islamic Entrepreneurship Education

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Islamic Entrepreneurship Education (IM

EDU PROGRAM) : Actualization of The

Prophets Entrepreneurship in The Pillar ofIslamic Education on Islamic Organizations

Towards Indonesia as The Emerging

CountryPenulis : Ade SuyitnoAlamat : Bandung, Jawa Barat

Posted : 25/06/2013

No. Peserta: 009AB

Islam as the religion which is full of grace or it is well-known as rahmatan lilalamin, will lead the

mankind to the gate of happiness in the world and in the afterlife. It is proved by the role of Islam in

developing mankind civilization which is well-mannered, knowledgeable, and independent, which

was started by the struggle of the Prophet. From day by day, Islam has been facing degradation and

underdeveloped situation in many aspects because of the development of western countries.

Poverty and unemployment are the most obvious things which can be seen in all over the world with

the majority of Moslems. Based on the report of ILO Global Employment Trends 2012, the number of

unemployment in the countries which belong to OKI is 9,4%, beyond the average of worlds

employment which is 6,8%, and developed countries which is 6,3%. Besides, not less than 27,2% ofMoslems in all over the world (352 million Moslems) have income under USD 1,25/day/capita, or

about IDR 12.125/day/capita. Almost 10% of the percentage is in Indonesia.

Indonesia, as the biggest Muslim country shows high rate of poverty and unemployment. Based on

the source ofBiro Pusat Statistik (BPS)and the World Banks data, Indonesia is one of Muslim

countries, which is impoverished. The data of BPS reveal the number of indigent people Indonesia in

2012 is 29,88 million people. While the data coming from the World Bank reveal more number which

is 102,45 million people. (VOA, 02/03/2013).

The difference of number occurs because the World Bank has more high indicators than the BPS

does. However, the number is still high and it causes negative impact which is the increase ofcriminal rate, beggar and unemployment, this situation later will cause the circle of poverty. And

then, the data of unemployment based on educational indicator in BPS reveal high number, 6,32%

out of the total number of Indonesian people. This data of unemployment are quite high. This

situation needs to be handled intensively and seriously, because it involves a number of peoples

welfare. The complete data as follow:
http://pcim-rusia.org/sayembara/islamic-entrepreneurship-education-im-edu-program-actualization-of-the-prophets-entrepreneurship-in-the-pillar-of-islamic-education-on-islamic-organizations-towards-indonesi/http://pcim-rusia.org/sayembara/islamic-entrepreneurship-education-im-edu-program-actualization-of-the-prophets-entrepreneurship-in-the-pillar-of-islamic-education-on-islamic-organizations-towards-indonesi/http://pcim-rusia.org/sayembara/islamic-entrepreneurship-education-im-edu-program-actualization-of-the-prophets-entrepreneurship-in-the-pillar-of-islamic-education-on-islamic-organizations-towards-indonesi/http://pcim-rusia.org/sayembara/islamic-entrepreneurship-education-im-edu-program-actualization-of-the-prophets-entrepreneurship-in-the-pillar-of-islamic-education-on-islamic-organizations-towards-indonesi/http://pcim-rusia.org/sayembara/islamic-entrepreneurship-education-im-edu-program-actualization-of-the-prophets-entrepreneurship-in-the-pillar-of-islamic-education-on-islamic-organizations-towards-indonesi/http://pcim-rusia.org/sayembara/islamic-entrepreneurship-education-im-edu-program-actualization-of-the-prophets-entrepreneurship-in-the-pillar-of-islamic-education-on-islamic-organizations-towards-indonesi/http://pcim-rusia.org/sayembara/islamic-entrepreneurship-education-im-edu-program-actualization-of-the-prophets-entrepreneurship-in-the-pillar-of-islamic-education-on-islamic-organizations-towards-indonesi/http://pcim-rusia.org/sayembara/islamic-entrepreneurship-education-im-edu-program-actualization-of-the-prophets-entrepreneurship-in-the-pillar-of-islamic-education-on-islamic-organizations-towards-indonesi/http://pcim-rusia.org/sayembara/islamic-entrepreneurship-education-im-edu-program-actualization-of-the-prophets-entrepreneurship-in-the-pillar-of-islamic-education-on-islamic-organizations-towards-indonesi/http://pcim-rusia.org/sayembara/islamic-entrepreneurship-education-im-edu-program-actualization-of-the-prophets-entrepreneurship-in-the-pillar-of-islamic-education-on-islamic-organizations-towards-indonesi/http://pcim-rusia.org/sayembara/islamic-entrepreneurship-education-im-edu-program-actualization-of-the-prophets-entrepreneurship-in-the-pillar-of-islamic-education-on-islamic-organizations-towards-indonesi/http://pcim-rusia.org/sayembara/islamic-entrepreneurship-education-im-edu-program-actualization-of-the-prophets-entrepreneurship-in-the-pillar-of-islamic-education-on-islamic-organizations-towards-indonesi/


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Tabel 1. The level of open unemployment of citizen in age of 15 and above based on the highest

education achieved in 2010 to 2012 (%)

Education Level2010 2011 2012

February August February August February

Elementary and below 3.71 3.81 3.37 3.56 3.69Junior High School 7.55 7.45 7.83 8.37 7.80

Senior High School 11.90 11.90 12.17 10.66 10.43

Vocational School 13.81 11.87 10.00 10.43 9.51

Diploma I/II/III 15.71 12.78 11.59 7.16 7.50

University 14.24 11.92 9.95 8.02 6.95

Total 7.41 7.14 6.80 6.56 6.32

Source: Badan Pusat Statistik 2012

Although the data of poverty and unemployment decrease, however the number is still high and the

phase of decrease is too slow, therefore this situation has to be reduced especially in young

unemployment. Many ways have been done by the government, private sectors, or even the people

themselves. As we know, to solve this problem takes time and long process. Socio-economic

problem is still happening in Muslim countries, including Indonesia. According to Azyumardi Azra, an

intellectual Muslim, those two problems are able to influence peoples religion in activity and faith.

(Replubika, 23/11/2012)

The solution which has been developed by the government to solve unemployment is developing

new entrepreneur in Indonesia. It is also in line with the recent international study about the role of

entrepreneurship as the motor of economy. Zahra (1999:39) argues that the development of

entrepreneurship has been considered as one of main factors to develop socio-economy sector

because it opens million job opportunities, offers varied goods and services, and generally increases

national welfare and competitiveness.

Based on the data of State Minister for Cooperatives Small and Medium Enterprises 2012, out of

more than 230 million people in Indonesia, only 1,56% becomes entrepreneur. Ideally, there should

be 2% of entrepreneur out of the total number of people in a country. The percentage of

entrepreneur in Indonesia is low, even it is not the ideal percentage, whereas, in developed

countries such as America, Singapore, and England the percentage of entrepreneur is above 10%

out of the total number of people. The entrepreneurs become the motor of economy, which are

creative, innovative, and brave to take risks. An entrepreneur will optimize every source to be avaluable product.

Indonesia will be The Next Emerging Country with strong economics in the future. Based on IMF

Standard Chartered Research 2010, Indonesias economics pojection PDB/capita in 2020 will be in

the top 10 along with 3,2 trn USD and in 2030 will be in the top 5 along with 9,3 trn USD with China,

US, India and Brazil. Because of the increase of PDB, the role of Indonesia also increases in

international affairs and contributes to solve global economy crisis. Other potentials of Indonesia are


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abundant natural resources, human resources and stability of economics and then the number of

young generation in the age 14-20 is the most, 64 million people. The demography can be used

beneficially as the right time to grow.

Therefore, a strategic way is needed to establish human resources which are independent by having

entrepreneurial the Prophets character which will enhance quality of natural resources in Indonesiawell. Based on the explanations above, the writer is interested in the study of Islamic

Entrepreneurship Education (Im Edu Program): Actualization of the Prophets Entrepreneurship as

the Pillar of Education on Islamic Organizations towards Indonesia as the Emerging Country.

Islamic and Entrepreneurship

Islam categorizes entrepreneurship and trade into muamalah meaning that the issues are related to

horizontal relationship among humans which will be responsibly adjudicated in the afterlife. Mankind

is mandated to prosper the earth and lead it to the right directions also to strive in earning and

making a living. The Holy Quran cited the entrepreneurial spirit in the verses as follow:

QS.Al-Mulk:15, meaning:

He it is Who has made the earth subservient to you (i.e. easy for you to walk, to live and to do

agriculture on it); so walk in the path thereof and eat of His provision. And to Him will be the

Resurrection.

QS. Al-Baqarah: 275 meaning:

..trading is only like Rib (usury), whereas Allh has permitted trading and forbidden Rib

(usury).

Islam encourages its people to be an entrepreneur. There are a number of verses orhadiths whichencourage Muslims to be an entrepreneur, such as the importance of trading which is stated in

a hadith: Beheld trading by all of, in trading there 9 out of 10 doors that will lead to the welfare.(HR.

Ahmad). And then, the Prophet had ever been asked by his followers: What is the best

occupation?He answereda people works with his hand in trading and honest.(HR. Al Bazzar).

Therefore, ..Then when the (Jumuah) Salt (prayer) is ended, you may disperse through the land,

and seek the Bounty of Allh (by working, etc.), and remember Allh much: that you may be

successful.(QS. al-Jumuah: 10).

The concept of entrepreneur had been taught by the Prophet, long time ago before he became the

Prophet. The Prophet started his business when he was 12 years old by buying goods from the

market and selling them to other people in order to get profits. Together with his uncle, the Prophethad a business trip to Syria. His business had been growing fast until he met Khadijah a offered a

partnership by employing profit sharing system. During the partnership, the Prophet had a business

trip to the center of business in Hbasyah, Syria, and Jorash. (Ermawati, 2006:164)

Antonio (2007:80) in his book presents the analogy of studies and inspirations and activities of

guarding sheep towards elements of management as follow: 1. Pathfinding meaning looking for

fertile meadow, 2. Directing looking for fertile meadow, 3. Controlling meaning to control the sheep,


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thus they will not be lost or separate from their flocks, 4. Protecting to protect the sheep from beast

animals and thieves, 5. Reflecting to reflect and contemplate among nature, mankind, and God. And

then, Trim (2009) claims that credibility and capability of the Prophet exist in four important

characters known as FAST (Fathonah, Amanah, Shiddiq andTabligh) perfected by istiqamah of the

Prophet supported by Roziah Sidik who states that the Prophet was a genius proved by his ability as

a politician, a war expert, a diplomat, a government, a genius, a citizen planner, and a preacher.

The development history of Islam in all over the world is also influenced by trading which makes the

invasion of Islam becomes stronger and beneficial. Many versions of history state that Islam had

been brought to Indonesia through trades from Gujarati and Arabian traders. Next, one of the

founders of the biggest Islamic organization in Indonesia is KH. Ahmad Dahlan as the enlightenment

and the founder of Muhammdiyah also employed trades in strengthening the activities. KH. Ahmad

Dahlan not only developing his business but also became a teacher who taught how to read the Holy

Quran and he was also akhatib, an Islamic preacher. On trading he visited many towns in

Indonesia. In each of his trip he always conveyed the mission of Islamic values. (Een Rochahen,

2011:1)

Based on the explanations above, it is obvious that education of Islamic entrepreneurship has to be

explored and enhanced as the way to enhance the continuous productivity of peoples economics.

Islamic entrepreneurship had been epitomized actually by the Prophet, which has been spread well

to all over the world by the traders, thus now it exists in Indonesia and this was also supported by

founder of the biggest Islamic organization.

The Pillar of Education on Islamic Organizations and Entrepreneurship Education

Indonesias the largest Muslim country, has many Islamic organizations that have branches

pgrosesif and proselytizing movement from national to district and village level Such asMuhammadiyah, NU, MUI, Persis, and others. This potential can be developed as a medium for the

propagation of Islamic faith, morals and independence of the people in the context of Islamic

economics to reduce poverty in Indonesia. Islamic entrepreneurship education is the solution for

creating entrepreneur that will create jobs and improving the welfare of the Ummah. In this model

were emphasized to establish an entrepreneurial Muslims because as a consequence of the role of

entrepreneurs in the development of people and the economic motor of the country based on Islamic

sharia fit that has been demonstrated by the prophet Muhammad. It is in because of the number of

entrepreneurs in Indonesia are still few and of those few be reduced by a greedy entrepreneur.

As a good role model on Islamic education is of Mumammdiyah. where the education here is very

inspired of the founders of Muhammadiyah by its founder, KH. Ahmad Dahlan and his objectives.The objectives of Islamic Organisations are to spread the lesson of the Prophet through educational

institutions (from elementary to university), to held meetings, religious gatherings,to establish

religious contribution, to build mosques, and to published books, brochures, newspapers, and

magazines. Special characteristic of Islamic Organizations is Islamic identity. Educational base of

Islamic Organizations is Islam which is based on the Holy Quran and the Prophets As-Sunnah and

the goal of to create Muslim mankind.


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Educational system in Islamic Organizations can be seen from Data Amal Usaha Islamic

Organizations 2012 from the web of Muhammdiyah which established and run, 4.623

playgroup/Quran-based playgroup, 2.604 Elementary School, 1.772 Junior High School, 1.143

Senior High School, 67 religious boarding school, 172 university dan 6.118 mosques. The

educational system has great potential to create independent young generation that contributes to

the number of educated unemployment in Indonesia. Thus, seriousness and entrepreneurialeducation form are needed in Islamic Organizations which can improve the way of thinking,

creativity, and entrepreneurship among young generations.

Entrepreneurial education is the way to enhance students potential to be creative and able to notice

any opportunities and able to value economical resources around their surroundings to be more

valuable things. Positive characters in entrepreneurial education will improve young generations

potential and independence in Indonesia. Entrepreneurial education is in line with the objectives of

National Education System number 20, 2003 which is based on Pancasila and Basic Constitution of

Indonesia that state to develop students potential to be faithful and pious mankind who believes in

God, good characters, healthy, educated, creative, independent and responsible.

Islamic Entrepreneurship Education (IM EDU PROGRAM) : Actualization of The Prophets

Entrepreneurship in The Pillar of Islamic Education

A. Model

Indonesia of Islamic Entrepreneurship Education shortened Im Edu Program is actualization of the

Prophets entrepreneurship in the pillar of education on Islamic Organizations both formal education

and non-formal education. Entrepreneurship education is really important to be taught because it will

create creative and independent mankind. This Islamic entrepreneurship education is an integrated

way from elementary to university with different objectives and learning plans.

Tabel 2. Entrepreneurship Education Program in Formal Education Level of Islamic Organizations

Education

Level

Learning Activities Learning outcome

Elementary Handicrafts, extracurricular Being competent to be creative and honest

Junior HighSchool

Learning subjects, Handicrafts,extracurricular: Students

Cooperation

Being competent to be creative, confident,and trustworthy.

Senior HighSchool

Learning subjects, local subject,extracurricularr, reading of the Holy

Quran, Islamic entrepreneurship.

Being competent to be creative, haveentrepreneurial knowledge and to be brave

to establish small enterprises guilelessly.

University Subjects, Islamic Students Activities

and Business which is in line with

DIKTI program.

Being competent to be creative, innovative,

brave to take risks and to start establishing

enterprises which based onsyariah orIslamic-based.


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Source: a number of sources from the writer

Practical and implement entrepreneurship education in education system of Islamic Organizations is

given in senior high school, university and Mosque Youth in the Islamic Organizations in Indonesia.Entrepreneurship education program for Islamic Organizations youth in senior high school level,

university students, and mosque youth is started by Economic Council of Islamic Organizations and

its educational section to activate the academicians in universities to optimize tri dharma of

universities in education and citizen productivity by focusing on Islamic entrepreneurship. This

academy will contribute to senior high school students and university students by giving knowledge

of business which is based on Islamic rules according to the Prophet, development of business plan,

training of entrepreneurial management, evaluation and development strategy.

In the implementation phase of Islamic Organizations youth entrepreneurship, their enterprises will

be categorized into 5 people with different background. In this phase they will be guided directly by

Islamic businessmen who have been successful and they are given a chance to join internship in

real business based on their interest. After finishing the internship they will be guided to develop

business plan based on local potential and technology. In some business categories wakafland

including productive wakafagreement which are owned byAmal Usaha Islamic Organizations can

be optimized as a land to be cultivated as agribusiness and the products will be produced and sold

in modern markets with technology system.

The governments supports can be done by having check -balance program from the institution and

giving credits known as KUR (Kredit Usaha Rakyat). And then the Muslim businessmen who have

been successful can give Corporate Social Responsibility (CSR) in order to develop productive

young generation in Islamic entrepreneurship education.

B. Implementation

The implementation program of Im Edu can be established by referring to the vision of education

and economics based on Islamic Organizations is crystallizing the local potential and technology for

Islamic entrepreneurship education in the pillar of education in Islamic Organizations. The

implementations as follow:

1. Forging Islamic Entrepreneurship Education based on local potential in the level of education

in Islamic Organizations from elementary, junior high school, senior high school, to university

and community of Islamic Organizations.2. Identifying local potential in the area in which Islamic Organizations exists and it will be

included into entrepreneurship education curriculum.

3. Training for Mentor addressed to teachers, lecturers, and Islamic figures who become the

head ofmajelis talimor religious council, which will be the main point of entrepreneurship

education and it also should include practical learning by Islamic businessmen.

4. Implementing entrepreneurship education in the learning subjects, extracurricular of Islamic

entrepreneurship in senior high school and subjects in university and also Islamic Students


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Activities in university. Output program is creative entrepreneurs based on local wisdom and

islamic value.

5. Religious gathering of entrepreneurship is started in mosques of Islamic Organizations.

6. Training and implementing integrated program of Iam Edu Program for students, college

students, community of religious youth in developing business plan, business management

and practice of enterprises.7. Evaluating and developing Islamic Entrepreneurship Education.

In the model solution in this paper will focus on the entrepreneurship education In Islamic

Organization to ummah empowernment. Implementation is supported by entrepreneurship education

trough optimization of zakat, waqf and shodakoh for empowering the ummah in the alleviation of

poverty. Zakat as an instrument of distribution of welfare is a significant instrument for the fulfillment

of basic needs of the poor coreligionists Chairman of the National Board of Amil Zakat, Zakat Didin

Hafidhuddin mention the potential national reach Rp. 213, 7 billion each year if calculated from the

occupation of Indonesia reached 250 million. collected only 10% of 2.2 trillion not to mention the

potential shodakoh as an instrument of distribution of welfare in Islam. Then the potential of waqf as

instrumentation for the economic empowerment of the ummah In Indonesia.

Data waqf land Indonesia in 2011 reached 426 003 locations with an area 3,492,045,373,754 square

meters or 349,204,537 acres. And has certified 282,321 locations and 132,396 locations not yet

certified. Thus, the land is still widely neglected. Then the potential endowments tunia (productive)

Ministry of Religious Affairs in 2007, never assume if 40 Million Muslim waqf pay Rp 100,000.00 per

year, it will be collected the money from endowments amounting to Rp 400 billion. If payment is

increased to Rp 500,000.00 per year, the amount of funds that will be collected sebeasr Rp 20

trillion. If the results of Islamic banks around 10 percent, the value of the results that can be received

from the investment fund endowments is about 2 Billion/year. Number is only estimated 40 million

Muslim population of about 182 million Muslims in Indonesia. It can be optimized Endowmentseconomic assets that can be developed for productive business media based on Islam who later

cooperation with BMT and Islamic banks to be SMEs for the poor and unemployed.

C. Outcome Program

Im Edu Program is a continuous model of Islamic entrepreneurship education, thus it can increase

the number of youth who become a businessman and decrease the number of educated

unemployment and young generations in society:

1. The program is designed by using triple heilxapproach which integrates between Muslim

businessmen and government together to build competence of young entrepreneurship in

university and society.

2. Produce competent young Islamic entrepreneurship that can be independently and positively

impact on the economic empowerment of the people based on the nature of the FAST

Prophet Muhammad.


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3. The program combines both Islamic entrepreneurship and technology which are based on

local potential designed by exploring local finance and local strength existing in society.

4. The program is not only business-oriented, but also it is skills-oriented meaning that it trains

students, college students, youth to have soft-skills, therefore if they choose not to establish

their own enterprise, they have got enough self-development training.

Conclusion

Poverty and unemployment are the crucial problems that have to be reduced as soon as possible.

Educated unemployment becomes the focus of the weak point of national independence. The

Prophets entrepreneurship education in school, university, and mosque of Islamic Organizations is

one of the solutions to create Muslim young generations who are creative, independent, sensitive to

their surroundings and useful for other people by having strong foundation of FAST (Fathonah,

Amanah, Shiddiq dan Tabligh). Young generations of Islamic Organizations will be the

ambassador independence in Indonesia and support Indonesia to be The Next Emerging Country.

Recommendation

1) The program of entrepreneurship education will be successful if the stakeholders in triple helix;

Muslim academicians, goverment and businessmentogether teach Islamic entrepreneurship

holistically and establish business incubator and BMT in each mosque In Indonesia.

2) The need for synergy governments and Islamic organizations in Indonesia to jointly develop

the independence of the people, reduce poverty and unemployment in the form of a joint program of

sustainable in Islamic entrepreneurship education. Government support in the form of regulations,

facilities and programs.

3) Good support from Indonesian government in seeking shodakoh, waqf, infaq collection and

more optimal funding trough channeled Islamic organization in Indonesia which has a branchofficials to the village level in the form of productive empowerment programs.

Implication

This model of Islamic entrepreneurship education can be a suggestion for the government to

implement integrated and holistic entrepreneurship education starting from education level to reach

the objectives of National Education. For international level, this model can be transferred

technology from developed countries and from Muslim intellectuals who live overseas to accelerate

new development of technology-based entrepreneurship. This model can Implement Islamicorganization based on the education and empowerment of the people in his preaching that exist

elsewhere as the row so that the model of this paper make trikle down effect for Muslims in

Indonesia especially and International.

REFERENCES


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Al-Quran

Antonio, Syafii. 2007. Muhammad saw: The Super Leader Super Manager. Jakarta: ProLM.

Badan Pusat Statistik. 2012. Data Pengangguran di Indonesia Berdasarkan Tingkat Pendidikan

Een Rochaeni.2011. Esai Film Sang Pencerah Kehidupan Dan Kepribadian Kh Ahmad Dahlan

Yang Mencerahkan. Suara Muhammadiyah 05 / 96 | 1 15 Maret 2011. Di akses pada 16 Maret

2013.

ILO.2012. Data Report of ILO Global Employment Trends 2012

Kemenag.2011. Data Wakaf di Indonesia dan Potensinya

Trim, bambang. 2009. Briliant Enterpreneur Muhammad saw. Bandung: Salamadani.

Zahra, S.A. (1999). The changing rules of global competitiveness in the 21st century.Academy of

Management Executive, 13(1), 3642.

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gerogoti-negara-islam-kemiskinan-dan-pendidikan di akses pada 17/03/2013VOA. 2013. Indonesia, Salah Satu dari 5 Negara Muslim Termiskin di Dunia

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