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Sri Lumatus Sa'adah
Sekolah Tinggi Agama Islam Negeri Jember
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Peran BMT Mentari Sekawan dalam Meningkatkan Kesejahteraan Pedagang Kecil: Studi Kasus di Pasar Yosowilangun: The Role of Baitul Maal wat Tamwil (BMT) Mentari Sekawan in Improving the Welfare of Small Traders: A Case Study at Yosowilangun Market Sri Lumatus Sa'adah
Fenomena Vol 5 No 2 (2006): FENOMENA: Journal Penelitian STAIN Jember
Publisher : LP2M Universitas Islam Negeri Kiai Haji Achmad Siddiq Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/fenomena.v5i2.394

Abstract

The presence of Baitul Mal wa Tamwil (BMT) in Indonesia carries a strategic mission to empower small and medium enterprises and improve community welfare. This study aims to describe the role of BMT Mentari Sekawan in enhancing the welfare of small traders at Yosowilangun Market. A qualitative case study approach was employed. The findings reveal that: first, the efforts undertaken by BMT Mentari Sekawan include providing financing and capital, developing productive businesses, offering mentoring, and encouraging savings behavior; second, the fund management system is based on shari’ah principles and uses a profit-and-loss-sharing mechanism through mudharabah, murabahah, musyarakah, and qardhul hasan products; third, the benefits for small traders are material, namely easier business development due to additional capital, and psychological, namely inner satisfaction due to shari’ah legal assurance. This study recommends improving BMT performance, strengthening partnerships with traders, and government regulatory support for the development of micro shari’ah financial institutions. Kehadiran Baitul Mal wa Tamwil (BMT) di Indonesia memiliki misi strategis dalam pemberdayaan usaha kecil dan menengah serta peningkatan kesejahteraan masyarakat. Penelitian ini bertujuan mendeskripsikan peran BMT Mentari Sekawan dalam meningkatkan kesejahteraan pedagang kecil di Pasar Yosowilangun. Pendekatan yang digunakan adalah kualitatif dengan jenis studi kasus. Hasil penelitian menunjukkan bahwa: pertama, upaya yang dilakukan BMT Mentari Sekawan meliputi penyediaan sumber pembiayaan dan permodalan, pengembangan usaha produktif, pendampingan, serta motivasi menabung; kedua, sistem pengelolaan dana BMT berdasarkan prinsip syari’ah dengan mekanisme bagi hasil (profit and loss sharing) melalui produk mudharabah, murabahah, musyarakah, dan qardhul hasan; ketiga, manfaat yang diperoleh pedagang kecil bersifat material, yaitu kemudahan mengembangkan usaha karena tambahan modal, dan psikologis, yaitu kepuasan batin karena adanya jaminan hukum syari’ah. Penelitian ini merekomendasikan peningkatan kinerja BMT, penguatan kemitraan dengan pedagang, serta dukungan regulasi pemerintah bagi pengembangan lembaga keuangan syari’ah mikro.
Peran BMT Mentari Sekawan dalam Meningkatkan Kesejahteraan Pedagang Kecil di Pasar Yosowilangun: The Role of Baitul Maal wat Tamwil (BMT) Mentari Sekawan in Improving the Welfare of Small Traders in Yosowilangun Market Sri Lumatus Sa'adah
Fenomena Vol 6 No 2 (2007): FENOMENA: Jurnal Penelitian Islam Indonesia
Publisher : LP2M Universitas Islam Negeri Kiai Haji Achmad Siddiq Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/fenomena.v6i2.412

Abstract

The presence of Sharia financial institutions based on community empowerment, such as BMT, offers a crucial solution to the limited access to capital for small and medium enterprises in Indonesia. This study aims to describe the role of BMT Mentari Sekawan in improving the prosperity of small traders at Yosowilangun Market. Using a qualitative case study approach, data were collected through observation, in-depth interviews, and documentation. The main findings indicate that BMT Mentari Sekawan provides business capital financing based on Sharia principles, manages funds through profit-and-loss-sharing systems, and offers business assistance. Traders perceive benefits such as easier access to capital, business development, and psychological satisfaction from the Sharia-compliant investment system. In conclusion, BMT plays a significant role in the prosperity of small traders through productive financing and profit-sharing principles. It is recommended that the government strengthen regulations and that BMT upgrade its legal status to BPRS for greater effectiveness. Kehadiran lembaga keuangan syariah berbasis pemberdayaan masyarakat seperti BMT menjadi solusi krusial bagi keterbatasan akses permodalan usaha kecil menengah di Indonesia. Penelitian ini bertujuan mendeskripsikan peran BMT Mentari Sekawan dalam meningkatkan kesejahteraan pedagang kecil di Pasar Yosowilangun. Menggunakan pendekatan kualitatif dengan metode studi kasus, data dikumpulkan melalui observasi, wawancara mendalam, dan dokumentasi. Temuan utama menunjukkan bahwa BMT Mentari Sekawan menciptakan sumber pembiayaan modal usaha berbasis prinsip syariah, mengelola dana dengan sistem bagi hasil (profit and loss sharing), serta memberikan pendampingan usaha. Manfaat yang dirasakan pedagang meliputi kemudahan akses modal, pengembangan usaha, dan kepuasan psikologis karena sistem investasi sesuai syariah. Kesimpulannya, BMT berperan signifikan dalam kesejahteraan pedagang kecil melalui pembiayaan produktif dan prinsip bagi hasil. Direkomendasikan penguatan regulasi pemerintah dan peningkatan status BMT menjadi BPRS untuk efektivitas yang lebih besar.
Pelaksanaan Hukum Kewarisan Islam dalam Masyarakat Kraton, Kecamatan Kencong, Kabupaten Jember: Implementation of Islamic Inheritance Law in the Kraton Community, Kencong District, Jember Regency Sri Lumatus Sa'adah
Fenomena Vol 7 No 1 (2008): FENOMENA: Jurnal Penelitian Islam Indonesia
Publisher : LP2M Universitas Islam Negeri Kiai Haji Achmad Siddiq Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/fenomena.v7i1.423

Abstract

Legal pluralism in Indonesia often leads to differing applications of inheritance law among Muslim communities, including in Kraton Village, Jember. This study aims to describe the applicable inheritance law, the level of public knowledge about Islamic inheritance law, and its implementation in the community. This qualitative research employs a phenomenological approach, using in-depth interviews, participant observation, and document studies. Subjects were community members aged 30–50 years, selected through purposive and snowball sampling. The findings indicate that the Kraton community applies three inheritance legal systems: customary law, Islamic law, and the Civil Code. Public knowledge of Islamic inheritance law remains low due to limited education and lack of socialization. The implementation applies bilateral individual principles and consensus-based distribution, but the 2:1 gender ratio is practiced only by a few families. Asset distribution occurs one thousand days after death without considering joint marital property. In conclusion, the community prioritizes family harmony over faraid provisions, necessitating intensive education on Islamic inheritance law. Pluralisme hukum di Indonesia sering menimbulkan perbedaan penerapan hukum kewarisan di kalangan masyarakat Muslim, termasuk di Desa Kraton, Jember. Penelitian ini bertujuan untuk mendeskripsikan hukum waris yang berlaku, tingkat pengetahuan masyarakat tentang hukum kewarisan Islam, serta pelaksanaannya di masyarakat tersebut. Penelitian kualitatif dengan pendekatan fenomenologis ini menggunakan wawancara mendalam, observasi partisipasi, dan studi dokumentasi. Subjek penelitian adalah masyarakat berusia 30–50 tahun, dengan teknik purposive sampling dan snowball sampling. Hasil penelitian menunjukkan bahwa masyarakat Kraton menerapkan tiga sistem hukum waris, yaitu hukum adat, hukum Islam, dan KUH Perdata. Pengetahuan masyarakat tentang hukum kewarisan Islam masih rendah karena tingkat pendidikan dan minimnya sosialisasi. Pelaksanaan hukum waris menerapkan asas bilateral individual dan musyawarah berdasarkan keikhlasan, namun asas segendong sepikul (2:1) hanya dijalankan sebagian kecil masyarakat. Pembagian harta dilakukan setelah seribu hari kematian tanpa memperhitungkan harta bersama. Kesimpulannya, masyarakat lebih mengutamakan kerukunan keluarga daripada ketentuan faraid, sehingga diperlukan penyuluhan intensif tentang hukum waris Islam.
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