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MUHAMMAD AGUS SALIM
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Other

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Journal : INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE

 1 
THE ROLE OF BAITUL MAAL WA TAMWIL BMT UGT NUSANTARA BRANCH OF RAAS DISTRICT IN IMPROVING THE PERFORMANCE OF UMKM Ahmad Zainullah; Hadi Sunaryo; Muhammad Agus Salim
International Journal of Cultural and Social Science Vol. 6 No. 1 (2025): International Journal of Cultural and Social Science
Publisher : Pena Cendekia Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53806/ijcss.v6i1.1028

Abstract

This study focuses on the role of Baitul Maal wa Tamwil (BMT) UGT Nusantara, Raas Sub-district Branch Office in improving the performance of Micro, Small, and Medium Enterprises (MSMEs) in the archipelago that have limited access to conventional financing. The research method used is qualitative with a case study approach, which allows for an in-depth understanding of the socio-economic context and local characteristics through in-depth interviews, participatory observation, and documentation. Data analysis was carried out using the Miles and Huberman technique which includes data reduction, presentation, and verification. The results of the study indicate that BMT UGT Nusantara not only provides sharia-based financing through the Modal Usaha Barokah (MUB) program with the Rahn contract, but also provides mentoring and entrepreneurship education that significantly increases the managerial capacity and productivity of MSMEs. The success of BMT in encouraging increased income and expansion of MSME businesses cannot be separated from the support of social capital and the active role of the sub-district government. The implications of this study emphasize the importance of Islamic microfinance institutions as agents of holistic local economic empowerment, as well as the need to develop integrated financing programs with assistance to ensure the sustainability and inclusiveness of MSME growth in remote areas.
Co-Authors Abdul Kodir Djaelani Abdul Rani Abdurahman Abdurrahman ABS, M Khoirul Achid Nurseha, Muhammad Achmad Agus Priyono Achmad Ardiansyah Afi Rachmat Slamet Afifuddin Afifuddin Afifuddin Afifuddin, Afifuddin Agung Caisar Wicaksono Ahmad Farhan Makky Ahmad Zainullah Alfian Budi Primanto Anies Fuady Anjali, Lia Apriliani, Titi Aprilianto Aprilianto Aqilla Tasya Ramadhani Ardiansyah Ardiansyah ARDIANSYAH ARDIANSYAH Ari Firmansyah Ariefudin Ariefudin Arini Fitria Mustapita Audi Hani Setiawati Ayu Yulita Putri Bahak Udin Basalamah, Muhammad Ridwan Bunga Vergia Rakhmah Chabiburrochman, M. Mas'ud Didik Supriyanto, Didik Dwi Cahyaningrum, Septiana Ega Prillia Santoso Eka Putri Septia Rini Eka Sulastri Eli Aliyana Elly Ernawati Fahmi Aldian Yuhanata Fajri Nasrullah Farhan Fani Ihsan Febi Mulyasari Hadi Sunaryo Hafidah Hafidah Hayati Hayati Ika Nuriyanti Ika Nurjanah Ike Roudhotul Ulfa Imdan Soalihin Inayati Widya Sari Indah Kusuma Wardani Ita Athia Ita Suhermin Ingsih Jeni Susyanti Kariaman Sinaga Khairil Umam Khairunnisa Khairunnisa Khairunnisa Khalikussabir, Khalikussabir Khoirul Anwar Brotosuharto Laksono Trisnantoro Leoni Alfina Lestari, Fiji Lisfatin Nihla Loviana Risca Mandagi Lutfi Amalia Masfiro Margianto Margianto Margianto Margianto Margiyanto, Margiyanto Moh Sofiyanto Moh. Hefni Munawar Mohammad Darwis Mohammad Rizal Muhammad Nur Avif Mustaufir, Mustaufir Neng Lina Sulastri Nisa’us Sholikah Nita Rahayu Novitasari Novitasari Nur Hanik Khukmiyah Nur Kholis Nurhidayah Nurhidayah Nuriyanti, Ika Nurmala Yunita Nurul Kholis Priyatno, Riski Ratma Ana Tasya Reynaldo Wiranata Ricky Setiawan Rifa Royhanah el Somita Rini Rahayu Kurniati Riza Eka Pratama Ronny Malavia Mardani Rosmah Sholichah Saraswati, Ety Setyo Wahyudi Shela Karlina Devi Sholihin, Dwi Rahmad Sholikah, Nisa’us Silfi Wahyu Firdayanti Silvy Anita Indah Cahyani Siti Fatimah Slamet Untung Subarkah, Imam Supratikta, Hadi Tajriyaan Rafik, Aynaani Tri Anjaswati Wahyu Arianti Widarko, Agus Widi Fitri Anggreini Yulianah Yulianah Yulinda Putri Melinia Yuspriyono Yuspriyono Zahrotun Nisa Zaidatul Fadinah Zidni Al Mubarok, Akhmad Zulfatun Hasanah Zulkarnain Ibrahim