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All Journal Jurnal Ilmiah Ekonomi Islam
Sopyan Ardana
Institut Teknologi Bisnis AAS Indonesia
Economics, Econometrics & Finance Social Sciences

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PENGARUH OPRASIONAL PEMBIAYAAN SYARIAH DAN PEMBERDAYAAN UMAT TERHADAP PENGEMBANGAN EKONOMI DI KSPPS BMT BINA MANDIRI INSANI Sopyan Ardana; Agus Marimin; Iin Emy Prastiwi
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 5 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i5.19826

Abstract

This study examines the role of KSPPS BMT Bina Mandiri Insani in fostering economic development among its members, particularly by increasing income levels and promoting economic self-reliance. A quantitative approach was employed using a survey method involving 80 respondents selected through purposive sampling. Data were gathered through structured questionnaires based on a Likert scale, supported by limited interviews and documentation. The data were analyzed using multiple linear regression after passing validity, reliability, and classical assumption tests. The findings reveal that operational systems, community economic empowerment, and Islamic financing collectively exert a positive and significant influence on members’ economic development. Individually, Islamic financing emerges as the most influential variable. These results highlight that BMT functions not only as a financial intermediary but also as a strategic instrument for empowering communities and supporting sustainable economic growth based on Islamic principles.
Co-Authors Agus Marimin Iin Emy Prastiwi