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Opportunities and Challenges in Developing Islamic Pension Funds in Indonesia

ETIKONOMI · Vol. 19 No. 2 (2020) · hlm. 311–322

DOI
10.15408/etk.v19i2.16284
ISSN
2461-0771, 1412-8969
Terbit
2020-10-08
Penerbit
Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah Jakarta
Bahasa
eng

Abstrak

Despite the rapid development of the Islamic financial sector in Indonesia, the development of Islamic pension funds is way behind those of the other Islamic financial sectors. This study aims to explore the opportunities and challenges faced by Indonesian Islamic pension funds. Utilizing a qualitative research method, the study conducted Focus Group Discussions with 23 large pension funds spread across five big cities in Indonesia. It was revealed that opportunities and prospects for developing Islamic pension funds in Indonesia are relatively good. However, various internal and external challenges were found, such as a lack of knowledge; the weak commitment of founders; lack of quality human resources; relatively unfavorable tax treatment; limited investment instruments; competition with government pension schemes; and public literacy problems. Therefore, two broad strategies are recommended to develop the Islamic funds, namely the provision of direct/indirect incentives to market players, and literacy programmes to targeted/priority groups. These strategies are expected to encourage and accelerate the growth of Indonesia's Islamic pension fund industry in the future.JEL Classification: H55, H75, J32How to Cite:Kasri, R. A., Haidlir, B. H., Prasetyo, M. B., Aswin, T. A., Rosmanita, F. (2020). Probability of Paying Zakat from Micro Financing Project Return. Etikonomi: Jurnal Ekonomi, 19(2), 311-322. https://doi.org/10.15408/etk.v19i2.16284.

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  • University of Indonesia
  • National University of Malaysia
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Rekan penulisOrganisasiArtikel bersama
Bambang Shergi LaksmonoUniversity of Indonesia2
Wahyu JatmikoUniversity of Indonesia2
A. AzizonUniversity of Indonesia2
Mohamad Sattar RasulNational University of Malaysia1
Budiman Mahmud MusthofaUniversity of Indonesia1
Diaz PranitaUniversity of Indonesia1

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Sumber metadata: OAI-PMH (metadata jurnal) http://journal.uinjkt.ac.id/index.php/etikonomi/oai, pertama di-harvest 8 Nov 2026, terakhir terlihat 8 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en">Opportunities and Challenges in Developing Islamic Pension Funds in Indonesia</dc:title>
	<dc:creator xml:lang="en">Kasri, Rahmatina Awaliyah</dc:creator>
	<dc:creator xml:lang="en">Haidlir, Banu Muhammad</dc:creator>
	<dc:creator xml:lang="en">Prasetyo, Muhammad Budi</dc:creator>
	<dc:creator xml:lang="en">Aswin, Tika Arundina</dc:creator>
	<dc:creator xml:lang="en">Rosmanita, Fenny</dc:creator>
	<dc:subject xml:lang="en">Islamic pension fund</dc:subject>
	<dc:subject xml:lang="en">pension fund</dc:subject>
	<dc:subject xml:lang="en">Islamic non-banking institution</dc:subject>
	<dc:subject xml:lang="en">Islamic finance</dc:subject>
	<dc:description xml:lang="en">Despite the rapid development of the Islamic financial sector in Indonesia, the development of Islamic pension funds is way behind those of the other Islamic financial sectors. This study aims to explore the opportunities and challenges faced by Indonesian Islamic pension funds. Utilizing a qualitative research method, the study conducted Focus Group Discussions with 23 large pension funds spread across five big cities in Indonesia. It was revealed that opportunities and prospects for developing Islamic pension funds in Indonesia are relatively good. However, various internal and external challenges were found, such as a lack of knowledge; the weak commitment of founders; lack of quality human resources; relatively unfavorable tax treatment; limited investment instruments; competition with government pension schemes; and public literacy problems.  Therefore, two broad strategies are recommended to develop the Islamic funds, namely the provision of direct/indirect incentives to market players, and literacy programmes to targeted/priority groups. These strategies are expected to encourage and accelerate the growth of Indonesia's Islamic pension fund industry in the future.JEL Classification: H55, H75, J32How to Cite:Kasri, R. A., Haidlir, B. H., Prasetyo, M. B., Aswin, T. A., Rosmanita, F. (2020). Probability of Paying Zakat from Micro Financing Project Return. Etikonomi: Jurnal Ekonomi, 19(2), 311-322. https://doi.org/10.15408/etk.v19i2.16284.</dc:description>
	<dc:publisher xml:lang="en">Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah Jakarta</dc:publisher>
	<dc:date>2020-10-08</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.uinjkt.ac.id/index.php/etikonomi/article/view/16284</dc:identifier>
	<dc:identifier>10.15408/etk.v19i2.16284</dc:identifier>
	<dc:source xml:lang="en">ETIKONOMI; Vol. 19 No. 2 (2020); 311-322</dc:source>
	<dc:source>2461-0771</dc:source>
	<dc:source>1412-8969</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.uinjkt.ac.id/index.php/etikonomi/article/view/16284/pdf</dc:relation>
	<dc:rights xml:lang="en">Copyright (c) 2020 ETIKONOMI</dc:rights>
</oai_dc:dc>