Peran Baitul Mal wat Tamwil (BMT) Al-Istiqamah dalam Pengembangan Usaha Mikro di Kabupaten Enrekang
The Role of Baitul Mal wat Tamwil (BMT) Al-Istiqamah in the Development of Micro Enterprises in Enrekang Regency
DOI:
https://doi.org/10.56324/drs.v4i1.21Abstract
This study examines the strategic role of Baitul Mal wat Tamwil (BMT) Al-Istiqamah in efforts to improve the micro-economy in Enrekang Regency and the supporting and inhibiting factors encountered in this effort. This type of research is qualitative, with managerial and Islamic economic approaches. Primary data sources are informants consisting of founders, administrators, members, and customers of BMT Al-Istiqamah, as well as the government of Enrekang Regency. Documents related to research as secondary data. Data collection techniques using observation, interviews, and documentation. Data analysis techniques use the stages of reduction, presentation, and drawing conclusions. The results showed that BMT Al-Istiqamah contributed to improving microeconomics in Enrekang. The roles played by BMT Al-Istiqamah are the empowerment of human resources and entrepreneurial spirit; improving microeconomic welfare; and preventing the public from practicing usury. Various factors supporting the success of BMT Al-Istiqamah are: strategic locations; the commitment of the founders, administrators, and members; high member savings participation; the high demand for microbusiness actors for BMT Al-Istiqamah; ease of obtaining capital assistance; and government support. The obstacles are the lack of human resources at BMT Al-Istiqamah, the lack of financial capital, the lack of technology utilization, and the number of customers who neglect to make deposit payments.
Keywords:
role, improvment, entrepreneurs, micro economiyDownloads
References
Adnan, M. A., & Ajija, S. R. (2015). The Effectiveness of Baitul Maal wat Tamwil in Reducing Poverty: The Case of Indonesian Islamic Microfinance Institution. Humanomics, 31(2), 160–182.
Amalia, E. (2009). Keadilan Distributif dalam Ekonomi Islam. Jakarta: RajaGrafindo Persada.
Antonio, M. S. (2000). Bank Syariah: Suatu Pengenalan Umum. Jakarta: Tazkia Institute.
Ari, F. S. (2019). Business Model in Islamic Microfinance: Case Study of Baitul Maal Wat Tamwil (BMT) La Tansa Gontor. Business Model in Islamic Microfinance: Case Study of Baitul Maal Wat Tamwil (BMT) La Tansa Gontor.
Ascarya, A., Rahmawati, S., & Tanjung, H. (2018). Design the roadmap of holistic financial inclusion for Baitul Maal wat Tamwil. Tazkia Islamic Finance and Business Review, 12(1), 271288.
Austhi, D. (2017). Motivasi berwirausaha dan kesuksesan berwirausaha pada wirausahawan wanita anne avanite. Agora, 5(1).
Dang, G., Sui Pheng, L., Dang, G., & Sui Pheng, L. (2015). Theories of economic development. Infrastructure Investments in Developing Economies: The Case of Vietnam, 11–26.
Dawami, Q., Razak, D. A., & Hamdan, H. (2021). Factors determining the successful performance of baitul maal wat tamwil in wonosobo. International Journal of Islamic Economics and Finance (IJIEF), 4(1), 79–100.
Direktorat Pemberdayaan Wakaf. (2006). Pedoman Pengelolaan dan Pengembangan Wakaf. Jakarta: Departemen Agama RI.
Edy, H. (2007). Indahnya Ekonomi Islam. Alfabeta.
Hamriah. (2019). “Pedagang Beras.” Wawancara, Pasar Sentral Enrekang, 12 Desember 2019.
Harahap, S. A. R., & Ghozali, M. (2020). Peran Baitul Mal Wa Tamwil (Bmt) Dalam Pengembangan Ekonomi Umat. HUMAN FALAH: Jurnal Studi Ekonomi Dan Bisnis Islam, 7(1).
Hasyim, A. I. (2017). Ekonomi Makro. Jakarta: Prenada Media.
Huda, N. (2022). Baitul Mal Wa Tamwil: Sebuah Tinjauan Teoretis. Amzah.
Imaniyati, N. S., & Bakti, P. T. C. A. (2010). Aspek-Aspek Hukum BMT (Baitul Maal wat Tamwil). Citra Aditya Bakti.
Lisa, O. (2016). Determinants Distribution of Financing and the Implications to Profitability: Empirical Study on Cooperative Sharia Baitul Maal wa Tamwil (BMT) in Indonesia. Asian Journal of Accounting Research, 1(2), 44–51.
Melina, F. (2020). Pembiayaan Murabahah Di Baitul Maal Wat Tamwil (Bmt). Jurnal Tabarru’: Islamic Banking and Finance, 3(2), 269–280.
Muhammad. (2009). Lembaga Keuangan Mikro Syariah. Yogyakarta: Graha Ilmu.
Mursid, F. (2018). Kebijakan Regulasi Baitul Maal Wat Tamwil (BMT) di Indonesia. Nurani: Jurnal Kajian Syari’ah Dan Masyarakat, 18(2), 9–30.
Nasution, M. E. (2017). Pengenalan Eksklusif Ekonomi Islam. Jakarta: Kencana Prenada Media.
Nata, A. (2004). Metodologi Studi Islam. Jakarta: RajaGrafindo Persada.
Nourma, D. (2017). Regulasi keberadaan baitul maal wat tamwil (bmt) dalam sistem perekonomian di indonesia. Serambi Hukum, 11(01), 96–110.
Prastiawati, F., & Darma, E. S. (2016). Peran Pembiayaan Baitul Maal Wat Tamwil Terhadap Perkembangan Usaha dan Peningkatan Kesejahteraan Anggotanya dari Sektor Mikro Pedagang Pasar Tradisional. Journal of Accounting and Investment, 17(2), 197–208.
Pusat Pengkajian dan Pengembangan Ekonomi Islam. (2018). Ekonomi Islam. Jakarta: RajaGrafindo Persada.
Putra, P., & Isfandayani, I. (2020). Challenges in Management of Baitul Maal wa Tamwil Based on Waqf. 2nd Social and Humaniora Research Symposium (SoRes 2019), 562–565.
Rahayu, N. S. (2020). The intersection of Islamic microfinance and women’s empowerment: a case study of Baitul Maal wat Tamwil in Indonesia. International Journal of Financial Studies, 8(2), 37.
Rifa’i, M., Suprihatin, S., & Agustim, W. (2019). Kompetensi Wirausaha, Pembinaan, Serta Lokasi Usaha Pengaruhnya Terhadap Kesuksesan Berwirausaha Bagi Pelaku Usaha Skala Mikro. J-MACC: Journal of Management and Accounting, 2(2), 159–173.
Rivai, V., & Buchari, A. (2009). Islamic Economics. Jakarta: Bumi Aksara.
Rusby, Z., & Hamzah, Z. (2013). Analysis problem of Baitul Maal Wat Tamwil (BMT) operation in Pekanbaru Indonesia using analytical network process (ANP) approach. International Journal of Academic Research in Business and Social Sciences, 3(8), 215.
Sahil, I. (2019). Potensi Baitul Maal Wat Tamwil (BMT) Dalam Meningkatkan Pertumbuhan Ekonomi Di Indonesia. Al-Insyiroh: Jurnal Studi Keislaman, 5(2), 33–38.
Soelton, M., Ramli, Y., Permana, D., Martawireja, A. E., Nurhayati, M., Saratian, E. T. P., & Arief, H. (2021). Increasing Smes Social Impact With Baitul Maal Wat Tamwil. ICCD, 3(1), 52–56.
Subagiyo, R. (2017). Metode Penelitian Ekonomi Islam: Konsep dan Penerapan. Jakarta: Alim’s Publishing.
Sudjana, K., & Rizkison, R. (2020). Peran Baitul Maal Wat Tamwil (BMT) dalam Mewujudkan Ekonomi Syariah yang Kompetitif. Jurnal Ilmiah Ekonomi Islam, 6(2), 175–194.
Suryana. (2003). Kewirausahaan: Pedoman Praktis, Kiat dan Proses Menuju Sukses. Jakarta: SalembaEmpat.
Tabi, B. (2019). “Ketua Koperasi”. Wawancara, Kantor KS BMT Al-Istiqamah Enrekang, 24 Novemver 2019.
Wulandari, P. (2019). Enhancing the Role of Baitul Maal in giving Qardhul Hassan financing to the Poor at the Bottom of the Economic Pyramid: Case Study of Baitul Maal wa Tamwil in Indonesia. Journal of Islamic Accounting and Business Research.
Wulandari, P., & Kassim, S. (2016). Issues and Challenges in Financing the Poor: Case of Baitul Maal Wa Tamwil in Indonesia. International Journal of Bank Marketing.
Published
How to Cite
Issue
Section
This work is licensed under a Creative Commons Attribution 4.0 International License.
Copyright (c) FAI UIM
The copyright of the received article shall be assigned to the Fakultas Agama Islam Universitas Islam Makassar (FAI UIM) as the publisher of the journal. The intended copyright includes the right to publish the article in various forms (including reprints). The journal maintains the publishing rights to the published articles.
Authors are allowed to use their articles for any legal purposes deemed necessary without written permission from the Fakultas Agama Islam Universitas Islam Makassar (FAI UIM) with an acknowledgment of initial publication in this journal.
