Publication Search

This research aims to (1) explain the murabahah financing system at BMT Insan Sejahtera, (2) SWOT analysis of the development of BMT Insan Sejahtera, (3) MUI fatwa regarding usury-free murabahah financing. This study uses a qualitative descriptive method. With primary and secondary data types. Data triangulation is carried out using the interview method. The results shown in the study (1) financing at BMT Insan Sejatera, present changes to the welfare of members. Based on the conclusions of the members, BMT has had a positive impact on increasing business and welfare. With amount based on murabahah financing as of January 1, 2024, to October 23, 2024, it is said to be Rp. 2,390,914,753.00 as many as 272 members, (2) The location of the current financing in the first quadrant (positive, positive) is a profitable position, which supports the implementation of an aggressive strategy (3) And that the installment payment period for murabahah financing at BMT Insan Sejatera does not affect the total price of the goods that have been agreed upon. This proves that the murabahah financing practice at BMT Insan Sejahtera does not contain usury.

Baitul Maal Wat Tamwil (BMT), as an Islamic microfinance institution, plays a crucial role in enhancing financial inclusion and empowering the economy of communities in Indonesia. By combining the functions of Baitul Maal for managing social funds and Baitul Tamwil for productive financing, BMT supports the growth of small and medium-sized enterprises and reinforces the principles of Islamic finance. This study examines the development of BMT in Indonesia during the period from 2014 to 2019 through a descriptive qualitative approach and literature review. The results indicate that the number of BMTs increased from around 4,000 units in 2014 to 4,500 units in 2018, with a significant contribution to promoting financial inclusion, especially for the lower-middle-income population. However, BMT faces challenges related to complex regulations, unintegrated data collection, and the need for enhanced transparency and accountability in its operations. This study aims to provide insights for better policy development to support the role of BMT.

Kecemasan akademis terkait Produk Non Agunan (PRONA) dalam pembiayaan musyarakah di KSPPS BMT Al Hikmah Semesta Jepara menjadi fokus penelitian ini. Metode penelitian yang digunakan adalah wawancara, observasi, dan dokumentasi untuk mengidentifikasi kekuatan, kelemahan, peluang, dan ancaman produk. Analisis lingkungan internal perusahaan dilakukan untuk menganalisis fungsi perusahaan. Matriks IFAS dan EFAS digunakan untuk merumuskan faktor strategis internal dan eksternal perusahaan. Hasil penelitian mengidentifikasi kekuatan dan kelemahan produk non agunan (PRONA), serta peluang dan ancaman yang dihadapinya. Analisis SWOT digunakan untuk merumuskan strategi perusahaan berdasarkan faktor internal dan eksternal yang mempengaruhi kinerja perusahaan. Kesimpulannya, Produk Non Agunan (PRONA) berpotensi untuk meningkatkan kapasitas ekonomi masyarakat dan membantu anggota yang menggunakan produk tanpa agunan. Penelitian ini memberikan pemahaman yang komprehensif tentang produk dan memungkinkan penelitian strategis yang efektif.

The research used a questionnaire method which was carried out at BMT Jambi City. This research used 100 samples as respondents with samples taken using Random Sampling Technique. The results of this research are: (1) Service quality has a significant effect on customer loyalty, (2) trust has a significant effect on customer loyalty, (3) religiosity has no significant effect on customer loyalty, (4) service quality has no significant effect on satisfaction, (5) ) trust has no effect on satisfaction, (6) religiosity has a significant effect on satisfaction (7) satisfaction has a significant effect on customer loyalty, (8) satisfaction does not mediate the effect of service quality on customer loyalty, (9) satisfaction does not mediate the effect of trust on customer loyalty ( 10) satisfaction does not mediate the effect of religiosity on customer loyalty

Mudharabah financing is a form of cooperation between shahibul mal (capital owner) who provides all the capital to mudharib (the manager). The profit sharing used in mudharabah financing, in this case there are two parties who make a business agreement, then the results of the business carried out by both parties or one of the parties, will be divided according to the portion of each party to the agreement. The purpose of this study is to determine the implementation of the profit-sharing system of mudharabah financing used to develop businesses in today's modern era. The research method used is literature review through literature study to collect data and research information by collecting materials from journals and scientific articles on mudharabah financing with profit sharing system. From the results of this study, the number of business actors in today's modern era, with the high need for small business capital, especially street vendors who at the same time find it difficult to fulfill the procedures for obtaining funding in the banking sector, this is a great opportunity for Sharia Financial Institutions (LKS) such as Baitul Mal wa Tamwil (BMT) to provide a forum for street vendors (mudharib) by issuing Mudharabah financing with the aim of improving the performance and income of a Micro, Small and Medium Enterprises (UMKM). So that mudharabah can play a role in sharia-based economic development and the growth of modern industrial society.

This study aims to analyze the role of Baitul Maal wa Tamwil (BMT) as an Islamic microfinance institution in eliminating loan shark practices in communities, particularly in Java and Sumatra. Loan shark practices persist due to the ease and speed of loan disbursement, despite the high interest rates that entrap small communities in difficult-to-escape debt cycles. BMT offers a fair and interest-free Islamic financing solution based on profit-sharing principles and a more inclusive approach. This study discusses BMT’s financing strategies, such as lenient requirements, fast processing, and financial education programs designed to compete with loan sharks. The main findings indicate that BMT plays a significant role in providing fairer financing access to small communities and helping reduce their dependence on loan sharks. However, this study also reveals several challenges BMT faces, such as limited capital, strict regulations, and low financial literacy among the public. These challenges hinder BMT's ability to effectively compete with loan sharks in terms of speed and accessibility. The results of this study emphasize the importance of strengthening BMT’s capital, developing human resources, and innovating Islamic financing products so that BMT can play a more prominent role in eradicating loan shark practices in the community. With the right strategy and support from various stakeholders, BMT has great potential to continue growing as a more equitable and empowering financing solution.      

Increasing the performance of small businesses can be done by using several elements such as coaching and supervision. Mudharabah financing is very suitable for micro businesses. Therefore, mudharabah financing is expected to play a role in developing micro business performance. This article was written based on a literature review of previous literature and research in the field of sharia financing to develop a model. There are several factors that support the success of mudharabah financing at BMT in developing micro business performance.

This study aims to analyze the significant influence of compensation, work environment, and workload on the job satisfaction of employees at the Sharia Savings and Loan Cooperative and Financing BMT Muamalat Jumapolo. This research uses quantitative data, with primary data sources. The population in this study consists of 97 employees of the Sharia Savings and Loan Cooperative and Financing BMT Muamalat Jumapolo. The sampling technique used is a census technique, so the entire population is used as the sample. The data analysis techniques used in this study are descriptive analysis, multiple linear regression analysis, t-test, F-test, and coefficient of determination (R2).The results of this study indicate that compensation (X1) does not have a significant influence on the job satisfaction of KSPPS BMT Muamalat Jumapolo employees. The work environment (X2) does not have a significant influence on the job satisfaction of KSPPS BMT Muamalat Jumapolo employees. Workload (X3) has a significant influence on the job satisfaction of KSPPS BMT Muamalat Jumapolo employees. The F-test results show a significant value of 0.000, meaning the model is appropriate for predicting the influence of compensation, work environment, and workload on job satisfaction. The R2 test results indicate that 37.1% of the variation in job satisfaction is explained by these variables, while the remaining 62,9% is explained by other variables outside the model, such as leadership style, work stress, organizational culture, and work discipline.

This research discusses the influence of service quality, and facilities on member satisfaction. The type of research used is quantitative research with data collection techniques using questionnaires. The population in this research is the members of KSPPS BMT Sejahtera Mandiri who are still actively making savings, totaling 77 respondents. The results of this research show that: 1) the service quality variable (X1) has a positive and significant effect on member satisfaction (Y). 2) the facility variable (X2) has a positive and significant effect on member satisfaction (Y). 3) the variables of service quality (X1), and facilities (X2) simultaneously influence member satisfaction (Y).  

This general sharia savings product is a deposit which in principle is a pure savings from the party who keeps it or entrusts it to the party who receives the deposit for use or not in accordance with the contract used. Sharia general savings itself has a mechanism where the mechanism is an important thing for banking. Knowing the financing mechanism will attract people's interest in saving or making loans to the cooperative. If the BMT mechanism is well organized it will also increase public trust in carry out transactions in the cooperative. The interesting thing about why researchers want to examine the general sharia savings financing mechanism is because when conducting observations and interviews the researchers found a positive response from members who saved. The focus of this research is how the general sharia savings mechanism at BMT Maslahah Capem Gending is used so that members can understand the mechanism to determine member responses and member growth in saving. This research uses a descriptive-qualitative approach by conducting observations, interviews with the head of the BMT Maslahah Capem Gending branch and members, supported by several journals related to general sharia savings. The results of research at BMT Maslahah Capem Gending regarding the sharia general savings financing mechanism have been running well and efficiently so that the growth of savings members increases from year to year.

The process of handling financing aims to identify strategies for addressing problematic financing in savings and loan cooperatives or BMT (Baitul Maal Wat Tamwil). The research method employed is qualitative, utilizing structured interviews, field observations, and documentation for data collection. The primary factors contributing to problematic financing in BMTs are identified as internal factors (suboptimal analysis of documents and adherence to financing standard operating procedures) and external factors (dishonesty and untrustworthiness among members, malicious intentions, procrastination by members, and unintentional factors such as relocation and natural disasters). Handling strategies involve communication via mobile phones (WhatsApp messages or calls), issuing warning letters, and executing collateral. Efforts to mitigate problematic financing include strict adherence to standard operating procedures, adequate task allocation, the application of prudence principles, and enhancement of employee skills.

Empowerment is basically a process that is run with the full awareness and preparation of the parties to increase the capacity and capability of the community in developing and helping themselves to the good state. Target awareness here is a small business, because most of them can not empower their business due to the difficulty of obtaining additional capital. BMT Maunah Tegal is one of the institutions supporting economic activity is shown to support the community and small businesses by presenting a variety of financing, one of which is murabahah. The purpose of this study was to describe the Murabaha financing and small business pemberdyaan performed at Baitul Mall wa Tamwil Maunah Tegal and determine the effect of Murabaha financing to small business empowerment.  The method used in this study is a quantitative method, technique of data collection through questionnaires addressed to the respondent customers Baitul Mall wa Tamwil Maunah Tegal, and to study the documentation. Samples from the Baitul Mall Customer wa Tamwil Maunah Tegal by 69 respondents.  Based on the survey results revealed that with df = ttable n-2, 69-2 = 67 finished ttable test of df 67 is 67 = 2292. T say if the significant value of t <t table so that H0 is rejected and H1 is accepted, whereas if t count> t table then H1 is accepted and H0 is rejected, so it can be concluded that the value of t (4364) and ttable of attachment (2292) then t count> t table so that H1 is accepted and H0 is rejected, thus meaning that the granting murabaha financing has significant influence to empower small businesses.

development of sharia economics in Indonesia, sharia financial institutions, especially Baitul Maal Wat Tamwil, have the main goal of being able to help and alleviate problems, especially the problem of limited capital based on Sharia principles. Because many entrepreneurs have limited business capital. Therefore, with this research, entrepreneurs who need it will have information about the financing mechanism with a Mudharabah agreement, for those who have limited business capital. BMT UGT Nusantara has several financing products, one of which is the mudharabah contract. Mudharabah financing is an agreement where the shohibul maal provides funds to the mudharib with the profits divided according to the profit sharing and nibah agreed at the beginning of the contract. The mudharabah financing mechanism at BMT UGT Nusantara Kepanjen requires members to fulfill the requirements, then the BMT will carry out analysis and observations to ensure the eligibility of the recipient of the financing, if it has been approved they will inform you of the disbursement of funds and carry out an agreement. When the contract is executed, BMT and the customer enter into an agreement on the division of the ratio and margin. This research uses qualitative methods, with field research and interviews with BMT staff as a means of obtaining information

This study aims to determine the accounting treatment of murabahah (recognition, measurement, presentation and disclosure) in accordance with PSAK no. 102. BMT in 13 population was studied. The descriptive analysis with qualitative and quantitative approaches wasused to deploythe questionnaires to respondents. The study showed that the accounting treatment of murabahah in BMT is not all adopted PSAK no. 102 properly. The average value of the percentage only reached 68.4%. There are weaknesses in the educational background of the respondents were limited to the knowledge of transaction records BMT.

This research examines the contribution of Islamic economics to economic development through instruments such as Baitul Mal Wattamwil (BMT), sukuk, sharia banks and waqf banks. The method used is a literature study with secondary data analyzed using content analysis. The research results show that Islamic economics makes an important contribution to economic development in Indonesia. BMT increases employment opportunities and reduces poverty, sukuk plays a role in state financing and infrastructure, sharia banks contribute to financing the real sector and social services, while waqf banks empower the community's economy. Islamic economics is an alternative economic development that pays attention to moral and social aspects, not just growth.

Murabaha bil wakalah financing at BMT AL-Ishlah, Jambi, experienced payment problems. The Islamic finance industry is growing rapidly, but problematic financing is a challenge. The research aims to identify the causes and strategies for solving murabahah bil wakalah financing problems. This research uses a qualitative approach, data collection is carried out by observation, interviews and documentation. Data analysis includes data reduction, data presentation, and conclusion verification. The research focuses on identifying internal and external factors that cause financing problems and exploring solutions to resolve them. The results of this research are internal factors including inaccurate credit analysis and inadequate application of the 5C principles. External factors include economic conditions, the COVID-19 pandemic, and customer behavior. Solving problems through non-litigation approaches such as friendship, financing restructuring and financial assistance. Research finds that proper handling can reduce the risk of problematic financing and support the sustainability of BMT in the Islamic finance industry.

Teaching the Al-Qur’an is the core of Islamic education, with the main aim of guiding children in reading, studying and understanding the Koran from an early age. The Al-Qur'an Education Park (TPQ) serves as an important platform to instill a love of the Al-Qur'an in children. Even though many TPQs have been successful with good administration and management and a large number of students, there are still TPQs that have not developed, such as the TPQ in Glidah Kedamean Village, Gresik. Observations show that learning management at TPQ does not meet recognized management and curriculum standards in education, resulting in suboptimal educational attainment. Responding to this problem, the Glidah Village TPQ Teacher Management Optimization team, together with KSPPS BMT Khoiru Ummah, initiated an intensive community service-based mentoring program using the Participatory Action Research (PAR) method. The mentoring process involves several stages, starting from identifying problems through field observations, organizing and planning programs, to implementing program actions. The results of discussions and implementation of mentoring revealed a number of problems faced by teachers regarding TPQ management. The implementation of this mentoring activity has been empirically proven to have a positive impact, increasing the effectiveness of management and the quality of education at the TPQ.

Islamic trade in Indonesia from pre-independence to contemporary times reflects various features, including nationalist missions, religious solidarity and Islamization. The pre-independence period was marked by nationalist and religious sentiments as a response to discriminatory Dutch colonialism. Religious solidarity is used to inspire unity and independence. After independence, the Islamic trade movement focused more on capitalizing religious organizations for the welfare of the people and da'wah. In the 1990s, the spirit of Islamization strengthened, influenced by the difficulty of access to trade resources and the search for Islamic identity amidst foreign domination. The BMT Movement, Islamic Banks, and Islamic philanthropic institutions responded to this phenomenon, prioritizing empowerment and community education. The phenomenon of the Indonesian trade movement is related to socio-political factors, such as the Dutch East Indies political system and the strength of non-indigenous trade. Islamic trade movements can be classified into two types: the pre-independence period, characterized by religious nationalism in business competition with non-indigenous groups; and post-independence, involving the consolidation of religious groups such as Muhammadiyah and NU, as well as the establishment of BMT and ZISWAF institutions. Islamic trade routes in the archipelago in the past included coastal areas, especially via sea routes which influenced the archipelago as an international trade center. The research method used is a qualitative Library Research approach with a historical-descriptive method. The research results show that the Islamic trade movement is developing in line with social and political dynamics in Indonesia.