STRATEGI PENGEMBANGAN BAITUL MAL WATTAMWIL SEBAGAI SUMBER PEMBIAYAAN ALTERNATIF BAGI USAHA MIKRO, KECIL, DANMENENGAH

Sony Hendra Permana, Masyithah Aulia Adhiem
| Abstract views: 60 | views: 130

Abstract

Baitul Maal Wat Tamwil (BMT) is one of the sharia microfinance institutions in Indonesia with people empowerment partnership as its philosophical base. BMT provides a faster, simpler procedures and requirements compared to conventional financial institutions. Furthermore, BMT is also known for its proactive and responsive services, thus making it a somewhat competitive institution. Despite its situation, BMT’s share in sharia economy is low compared to other similar institutions. This paper aims to explore how BMT can be a solution for MSME financing and also to identify its challenges using a qualitative descriptive method. The results showed that BMT has a vast potential to grow along and even compete with other formal financial institutions. Supports from local government in sharia cooperation development have a positive effect on BMT development, including policies implemented by the Governments of East Java and West Java, namely the program of quality improvement and sustainable managerial development of cooperation. Regardless of the current condition of supports, BMT still has some constraints, such as a minimal number of certified experts, a lack of understanding about the sharia finance system, and also rather weak supervision from the authorities. For these reasons, BMT needs to develop its human resources both in the quantity and qualification by enhancing its cooperative business management and also improving its information dissemination and education through a partnership with related stakeholders. In addition, the provision of human resources, strengthening of the monitoring and supervisory authorities, and the ease of DPS certification process carried out by the government and related authorities are essential for BMT

Keywords

BMT; MSME; financing; sharia cooperation

Full Text:

PDF

References

Buku

Azis, A. (2004). Buku Pedoman Pendirian BMT, Jakarta: PINBUK.

Manan, A. (2016). Hukum Ekonomi Syariah Dalam Perspektif Kewenangan Peradilan Agama, Jakarta: Prenadamedia Group.

Otoritas Jasa Keuangan. (2017). Roadmap Pengembangan Keuangan Syariah Indonesia 2017-2019, Jakarta: Otoritas Jasa Keuangan.

Ridwan, M. (2005). Manajemen Baitul Maal Wa Tamwil (BMT), Yogyakarta: UII Press.

Soemitra, A. (2016). Bank & Lembaga Keuangan Syariah. Jakarta: Kencana.

Jurnal dan Tesis

Imaniyati, N. S. (2004). Eksistensi Baitul Maal wat Tamwil (BMT) Sebagai Lembaga Keuangan Syariah di Indonesia, Pro Justitia, Vol. XXII, No. 4, Oktober, hlm. 71 -84.

Helton. (2016). Analisis Perkembangan Baitul Maal Wat Tamwil (BMT) Sebagai Lembaga Keuangan Mikro Syariah di Kecamatan Matur Kabupaten Agam, thesis, Program Pascasarjana Universitas Andalas.

Kholim, M. (2004). Eksistensi Baitul Maal Wattamwil dan Permasalahan Dalam Operasionalisasinya (Studi di Provinsi Jawa Tengah), thesis, Program Pascasarjana Universitas Diponegoro.

Sakti, A. (2013). Pemetaan Kondisi dan Potensi BMT: Kemitraan Dalam Rangka Memperluas Pasar & Jangkauan Pelayanan Bank Syariah Kepada usaha Mikro”, jurnal al-Muzara’ah, Vol. I, No. 1, hlm. 1-18.

Suyoto dan Endratno, Hermin. (2017). Peran Baitul Maal Wa Tamwil (BMT) Dalam Meningkatkan Kinerja Usaha Rumah Tangga di Purwokerto, Jurnal Sains Sosial dan Humaniora, Vol. I No. 1, Maret, hlm. 1-10.

Yusuf, S. D. (2014). Peran Strategis Baitul Maal Wa-Tamwil (BMT) Dalam Peningkatan Ekonomi Rakyat, Jurnal Al-Mizan, Vol. 10, No. 1, Juni 2, hlm. 69-80.

Internet

Aset bank Syariah Meningkat Tajam, (online), (http://republika.co.id/berita/ekonomi/syariah-ekonomi/17/03/06/ome769415-aset-bank-syariah-meningkat-tajam, diakses 18 Maret 2018).

Kementerian Koperasi dan Usaha Kecil dan Menengah, Perkembangan Data Usaha Mikro, Kecil, Menengah (UMKM) dan Usaha Besar (UB) Tahun 2012-2013, (online), (http://www.depkop.go.id/pdf-viewer/?p=uploads/tx_rtgfiles/sandingan_data_umkm_2012-2013.pdf, diakses 18 Maret 2018)

Menkop Puspayoga: Langkah Perhimpunan BMT Indonesia Selaras Dengan Reformasi Total Koperasi, (online), (http://www.depkop.go.id/content/read/menkop-puspayoga-langkah-perhimpunan-bmt-indonesia-selaras-dengan-reformasi-total-koperasi/, diakses 18 Maret 2018).

Persentase Jumlah Umat Islam Berbagai Daerah di Indonesia, (online), (http://sangpencerah.id/2014/12/persentase-jumlah-umat-islam-berbagai/, diakses 18 Maret 2018)

Sumber lainnya

Budiharjo, A. (2003). Pengenalan BMT, makalah, disajikan pada seminar tentang BMT, Bandung.

Mulyaningrum. (2009). Baitul Maal Wat Tamwil (BMT): Peluang dan Tantangan dalam Pengembangan Lembaga Keuangan Mikro Syariah, makalah, disampaikan pada seminar Islamic Finance dengan tema Opportunity and Challenge on Islamic Finance, 6 januari 2009.

Copyright (c) 2020 Kajian
Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.

Refbacks

  • There are currently no refbacks.