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All Journal Perisai : Islamic Banking and Finance Journal Economica: Jurnal Ekonomi Islam Misykat al-Anwar Jurnal Kajian Islam dan Masyarakat Amwaluna Jurnal Ekonomi dan Keuangan Syariah Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah Jurnal Vokasi Bisnis Digital, Akuntansi Lembaga Keuangan Syariah dan Usaha Perjalanan Wisata Jurnal Vokasi Bisnis Digital, Akuntansi Lembaga Keuangan Syariah dan Usaha Perjalanan Wisata EKOBIMA Ekonomi Bisnis dan Manajemen
Pupun Saepul Rohman
Politeknik Bisnis Mayasari Tasikmalaya
Religion Economics, Econometrics & Finance Education Social Sciences Other

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Optimizing Capital Management in Baitul Maal wat Tamwil: Issues and Approaches Rohman, Pupun Saepul; Laila, Nisful; Fianto, Bayu Arie; Ascarya, Ascarya; Rusydiana, Aam Slamet
Economica: Jurnal Ekonomi Islam Vol. 15 No. 1 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2024.15.1.20131

Abstract

Baitul Maal wat Tamwil (BMT) is a microfinance institution operating under Sharia principles, integrating social welfare and commercial finance to promote poverty alleviation and economic empowerment. Despite its potential, BMTs face significant capital challenges that hinder their sustainability and impact. This study explores these challenges using a qualitative methodology with a literature review approach. Six key issues are identified: (1) limited capital from low member savings, (2) inadequate accumulation of social funds, (3) mismatch between available funds and customer needs, (4) reliance on external funding, (5) low business volume, and (6) weak integration between the social (Baitul Maal) and commercial (Baitul Tamwil) functions. These issues restrict BMTs from fully achieving their financial inclusion and social welfare objectives. To address these challenges, the study suggests optimizing low-cost funds, managing cash waqf, strengthening Baitul Maal, collaborating with zakat institutions, and integrating Islamic social finance with commercial operations. Additionally, increasing principal and mandatory savings is recommended to improve capital stability. Resolving these issues is essential for enhancing BMTs' role in poverty alleviation and ensuring their long-term sustainability and effectiveness within the Islamic finance framework.
Co-Authors Aam Slamet Rusydiana, Aam Slamet Adhy, Dewanto Rosian Ai Yani Ai Yeni Almaya, Devi Amirullah, Mulia Ascarya Ascarya Atina Shofawati, Atina Bayu Arie Fianto Dewi, Fertika Puspita Firmansyah, Atep Khaer, Rijalul Krisnaningsih, Diah Liana Dewi Megawati, Rizka Azkiya Nisful Laila Ramdani Ramdani Ramdani Ramdani Rizka Azkiya Megawati Sri Herianingrum Yeni, Ai