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All Journal Jurnal Akuntansi Indonesia Islamic Ecomonics Journal Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Journal of Islamic Monetary Economics and Finance Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Journal of Islamic Economics and Philanthropy Islamiconomic: Jurnal Ekonomi Islam Nusantara Islamic Economic Journal Equilibrium: Jurnal Ekonomi Syariah Engagement: Jurnal Pengabdian Kepada Masyarakat
Atika Rukminastiti Masrifah
Universitas Darussalam Gontor
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : Islamic Ecomonics Journal

 1 
Baitul Māl Wat Tamwīl (BMT) sebagai Alternatif Strategis Memajukan Usaha Mikro Kecil Sektor Pertanian Atika Rukminastiti Masrifah
Islamic Economics Journal Vol 3, No 1 (2017)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1806.376 KB) | DOI: 10.21111/iej.v3i1.1387

Abstract

Micro and Small Enterprises (MSE’s) has an important role in economic development in Indonesia. However, MSE’s still has a lot of problem. They are still having difficulties to access business financing provided by Islamic financial institutions and banking. This paper attempts to analyze the benefit, opportunity, cost and risk of Islamic financial institutions espesially Baitul Mal wat Tamwil (BMT) in promoting MSE’s utilizing Analytical Network Process (ANP) method with Benefit Opportunity Cost Risk (BOCR) approach, including the proposed alternative strategies. Results of this study show that the highest priority of cost and risk is the lack of support and the understanding of community. Moreover the highest priority of benefit and opportunity is that Islamic Financial Institutions has a just profit-loss sharing system i.e., taking into account the possibility of profit and loss, and BMT has a wide and deep outreach for the poor and poorest. The priorities of strategic alternative in the agricultural sector to promote SME are providing alternative financing schemes based on sub-activities, establishing Linkage Program between BUS-BPRS-LKA-Government, organizing incentive schemes, and forming a National Agrarian Bank, which will be totally focused on projects in agriculture.
Efisiensi Baitul Māl wat Tamwīl (BMT) Pesantren di Indonesia Atika Rukminastiti Masrifah
Islamic Economics Journal Vol 6, No 1 (2020)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1796.917 KB) | DOI: 10.21111/iej.v6i1.4548

Abstract

Pesantren and Baitul Māl Wa Tamwīl (BMT) are not seemingly equal things to compare. The first focuses on spiritual and religious education, while the latter concentrates on the economic and financial activities. Nevertheless, Pesantrens have been considering the significance of economic development and empowerment, through a micro-finance institution. Hence, the analysis of its performance, in particular, the efficiency level is inevitable. This paper attempts to analyze the technical efficiency (including pure technical and scale efficiencies) of some Pesantren BMTs by using Data Envelopment Analysis (DEA). Additionally, this article also analyses the role of Pesantren BMTs for developing Micro-Entreprises (MEs), as well as toanalyse the roles of Pesantren BMT in ME’s wealth management. The results show that: first, generally, the efficiency of Pesantren BMTs is relatively low. Scale efficiency also indicates that operating of BMTs are still far from the optimal scale. Moreover, the average technical efficiencies (TE), scale efficiency (SE), and pure technical efficiency (PTE) of Pesantren BMTs in terms of intermediation have always been higher than those in terms of production. The possible improvements for inefficient Pesantren BMTs include increasing debitors (Y1) and total financing (Y2). They have to always been struggling to collect sizeable depositors, especially MEs, as well as total financing as their main purpose to empower them and enhance their economic development. The other possible improvements are to increase the collection (X4) and the distribution funds of ZISWAF (Y3). This result suggests that most Pesantren BMTs still focus on baitut tamwīl activities, extending financing as their main business. While the future, BMTs should play a more active role in baitul māl activities as their primary business. Second, Pesantren BMTs are useful for developing MEs and contribute a tremendous social benefit to society in several ways. Although the efficiency of BMTs is relatively low since generally, BMTs have achieved both profit and social benefit. Therefore, Islamic financing might be an appropriate model for MEs.
Baitul Māl Wat Tamwīl (BMT) sebagai Alternatif Strategis Memajukan Usaha Mikro Kecil Sektor Pertanian Atika Rukminastiti Masrifah
Islamic Economics Journal Vol. 3 No. 1 (2017)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1806.376 KB) | DOI: 10.21111/iej.v3i1.1387

Abstract

Micro and Small Enterprises (MSE’s) has an important role in economic development in Indonesia. However, MSE’s still has a lot of problem. They are still having difficulties to access business financing provided by Islamic financial institutions and banking. This paper attempts to analyze the benefit, opportunity, cost and risk of Islamic financial institutions espesially Baitul Mal wat Tamwil (BMT) in promoting MSE’s utilizing Analytical Network Process (ANP) method with Benefit Opportunity Cost Risk (BOCR) approach, including the proposed alternative strategies. Results of this study show that the highest priority of cost and risk is the lack of support and the understanding of community. Moreover the highest priority of benefit and opportunity is that Islamic Financial Institutions has a just profit-loss sharing system i.e., taking into account the possibility of profit and loss, and BMT has a wide and deep outreach for the poor and poorest. The priorities of strategic alternative in the agricultural sector to promote SME are providing alternative financing schemes based on sub-activities, establishing Linkage Program between BUS-BPRS-LKA-Government, organizing incentive schemes, and forming a National Agrarian Bank, which will be totally focused on projects in agriculture.
Efisiensi Baitul Māl wat Tamwīl (BMT) Pesantren di Indonesia Atika Rukminastiti Masrifah
Islamic Economics Journal Vol. 6 No. 1 (2020)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1796.917 KB) | DOI: 10.21111/iej.v6i1.4548

Abstract

Pesantren and Baitul Māl Wa Tamwīl (BMT) are not seemingly equal things to compare. The first focuses on spiritual and religious education, while the latter concentrates on the economic and financial activities. Nevertheless, Pesantrens have been considering the significance of economic development and empowerment, through a micro-finance institution. Hence, the analysis of its performance, in particular, the efficiency level is inevitable. This paper attempts to analyze the technical efficiency (including pure technical and scale efficiencies) of some Pesantren BMTs by using Data Envelopment Analysis (DEA). Additionally, this article also analyses the role of Pesantren BMTs for developing Micro-Entreprises (MEs), as well as toanalyse the roles of Pesantren BMT in ME’s wealth management. The results show that: first, generally, the efficiency of Pesantren BMTs is relatively low. Scale efficiency also indicates that operating of BMTs are still far from the optimal scale. Moreover, the average technical efficiencies (TE), scale efficiency (SE), and pure technical efficiency (PTE) of Pesantren BMTs in terms of intermediation have always been higher than those in terms of production. The possible improvements for inefficient Pesantren BMTs include increasing debitors (Y1) and total financing (Y2). They have to always been struggling to collect sizeable depositors, especially MEs, as well as total financing as their main purpose to empower them and enhance their economic development. The other possible improvements are to increase the collection (X4) and the distribution funds of ZISWAF (Y3). This result suggests that most Pesantren BMTs still focus on baitut tamwīl activities, extending financing as their main business. While the future, BMTs should play a more active role in baitul māl activities as their primary business. Second, Pesantren BMTs are useful for developing MEs and contribute a tremendous social benefit to society in several ways. Although the efficiency of BMTs is relatively low since generally, BMTs have achieved both profit and social benefit. Therefore, Islamic financing might be an appropriate model for MEs.
Co-Authors Achmad Firdaus Anisa Rosdiana Zein Eka Risana Putri Faaza Frisky Aulia Faaza Frisky Aulia Furqan hifdzur rahman Haris Setyaningrum Imam Haryadi Iqbal Imari Khoirul Umam Marta, Joan Muhammad Ridha Irsyadillah Muljawan, Dadang Noor, Feri rafid nopram Ramadhan, Mohammad Ali Ratih Winarsih rifai, muhammad rizqi Safitri, Fajrin Intan Susilo, Adib . Syofi Aruni Mafaza Yumna, Aimatul