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All Journal International Journal of Nusantara Islam JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia Jurnal Asy-Syari'ah Diponegoro Law Review Al-Mustashfa JURISDICTIE Jurnal Hukum dan Syariah Jurnal Ilmiah Ekonomi Islam Jurnal Ilmiah Al-Syir'ah Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan IKRA-ITH EKONOMIKA Journal of Economicate Studies AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT Amwaluna Jurnal Ekonomi dan Keuangan Syariah JURNAL ILMIAH KESEHATAN SANDI HUSADA TEMALI : Jurnal Pembangunan Sosial Rayah Al Islam : Jurnal Ilmu Islam Coopetition : Jurnal Ilmiah Manajemen JES (Jurnal Ekonomi Syariah Bertuah : Jurnal Syariah dan Ekonomi Islam Airlangga International Journal of Islamic Economics and Finance Journal of Islamic Economics and Philanthropy Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah Ekonomica Sharia: Jurnal Pemikiran dan Pengembangan Ekonomi Syariah El-Ecosy : Jurnal Ekonomi dan Keuangan Islam J-Alif : Jurnal Penelitian Hukum Ekonomi Syariah dan Budaya Islam Jurnal Iqtisaduna Mimbar Agama Budaya Journal Islamic Economics Ad Diwan Jurnal Ekonomi Syariah dan Bisnis Al-Manahij : Jurnal Kajian Hukum Islam JURNAL ECONOMINA Likuid: Jurnal Ekonomi Industri Halal Jurnal Multidisiplin West Science Innovative: Journal Of Social Science Research Indonesian Journal of Advanced Research (IJAR) Ekalaya : Jurnal Ekonomi Akuntansi Bisma : Business and Management Journal ISLAMICA : Jurnal Ilmu-Ilmu Agama Islam Jurnal Global Ilmiah Anayasa International Journal of Nusantara Islam Journal of Islamic Law (EJIL) Jurnal International Economic Sharia International Journal of Law Social Sciences and Management Jurnal Ilmiah Kesehatan Sandi Husada Mashlahah: Journal of Islamic Economics Ekopedia: Jurnal Ilmiah Ekonomi
Jubaedah, Dedah
UIN Sunan Gunung Djati Bandung, Indonesia
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Journal : Indonesian Journal of Advanced Research (IJAR)

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The Strategy and Effectiveness of Baitul Maal wa Tamwil in Eradicating Loan Shark Practices in Java and Sumatra Jubaedah, Dedah; Sopiah, Evi; Fatahillah, Ikhwan Aulia
Indonesian Journal of Advanced Research Vol. 3 No. 11 (2024): November 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijar.v3i11.12373

Abstract

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.
Co-Authors Abdurrahman Wahid, Abdurrahman Achmad Ridwan, Achmad Ageng Septa Rini Ageng Septa Rini Ahmad Fathan Aniq Ahmad Fauzi, Abdul Aziiz Ahmad Lukman Nugraha Ahmad Luqman Hakim ahmad yani Annisa Eka Rahayu Annisa Tania Dewi anton athoillah Antoni Julian Apriani, Triana Armelia Prakasa Asman Taeali Asri Sundari Athoillah, Mohamad Anton Ayi Nurbaeti Berizi, Ahmad Burhanudin, Bunbun Muhamad Cahyanti, Irni Sri Dermawan, Muhammad Jagat Dewi, Annisa Tania Ending Solehudin Evi Sopiah, Evi Fadhlya Hidayatunnisa, Nurul Fatahillah, Ikhwan Aulia Febriyani, Putri Agus Feby Pebryanti Suhendi Friasta, Intan Ghozali, Mohamad Gojali, Dudang Gómez, José Manuel Naranjo Gunariah, Frilla Hadi, Sholikul Hafizd, Jefik Zulfikar Hasan Bisri Hasanudin Hasanudin Heni Pujiastuti Heryana, Sandi Hidayah, Paisah Nurul Hisam Ahyani ian rakhmawan suherli Ilmia, Anisa Intan Friasta Ishandawi Iwan Setiawan Janwari , Yadi Janwari, Yadi Jauhari, Moh. Ahsanuddin Kamaludin, Asep Kikin H Mutaqin Kusuma, Nurul Rahmah Kuswandi, Yudi Lestari, Putri Sri M Aditiya, Iip Maricar, Hudzaifah Muhammad Maulana, Fauzan Aziz Maulin, Mery Mohamad Anton Athoillah Mohd Roslan Mohd Nor Muhammad, Bohari Agus Muharni, Yusraini Mukhlas, Oyo Sunaryo Mursyidah Zein, Ai Imas Mustofa Mustofa Mutakin, Ali Naeli Mutmainah Nanang Sobarna Nasrudin Noradin, Muhammad Farhan Bin Mat Nur Hida, Ziyana Nurhasana, Nurhasana Nurjamil Nursari, Nina Pandu Pribadi Pangestu, Gaidha Khusnul Parhan, Parhan Pramayanti, Dian Ikha Putra, Haris Maiza Rahmah Kusumah, Nurul Rahmah, Yulia Fithriany Rahmawati, Indriyani Dwi Rajiman, Arman Rosidah, Rose Rudi Ahmad Suryadi, Rudi Ahmad Rukmanda, Meirani Rahayu Said, Nuralika Yepsi Sarmilantiva Salimudin, Mumud Santika, Ganjar Sar'an, Mohamad Shinta Mona Lisca Siskanti, Siskanti Slamet Santoso Sofian Al Hakim, Sofian Sri Lestari, Putri Suhendi, Feby Pebryanti Suherli, Ian Rakhmawan Sulaeman Sulaeman Sulaeman Supriatna Supriatna Sutiana, Yana Tajul Arifin Wawan Oktriawan Widiastuti, Dwi Suci Yadi Janwari Yeli Yuliani Yuliani, Yeli Yuniarti, Vinna Sri Yusup, Deni Kamaludin