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All Journal ILMU USHULUDDIN Wawasan : Jurnal Ilmiah Agama dan Sosial Budaya Jaqfi : Jurnal Aqidah dan Filsafat Islam Religious: Jurnal Studi Agama-Agama dan Lintas Budaya NALAR: Jurnal Peradaban dan Pemikiran Islam Living Islam: Journal of Islamic Discourses TEMALI : Jurnal Pembangunan Sosial Khazanah Theologia Rayah Al Islam : Jurnal Ilmu Islam Khazanah Theologia Hanifiya: Jurnal Studi Agama-Agama Jurnal Syntax Imperatif : Jurnal Ilmu Sosial dan Pendidikan Equalita: Jurnal Studi Gender dan Anak Jurnal Perempuan & Anak Az-Zahra: Journal of Gender and Family Studies Jurnal Iman dan Spiritualitas Definisi: Journal of Religion and Social Humanities Gunung Djati Conference Series Socio Politica : Jurnal Ilmiah Jurusan Sosiologi Integritas Terbuka: Peace and Interfaith Studies Polyscopia
Yeni Huriani
UIN Sunan Gunung Djat Bandung
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Economics, Econometrics & Finance Education Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Social Sciences Other

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Journal : Rayah Al Islam : Jurnal Ilmu Islam

 1 
Membangun Keuangan Syariah Inklusif: Tantangan Dan Peluang Baitul Maal Wat Tamwil Dalam Masyarakat Multikultural Aslichan; Rejeki Waluyajati, Roro Sri; Huriani, Yeni; ahmad hambali, Radea yuli; Syawqi Albar, Akmal; Thoriq Al-Khaliel, Achnaf
Rayah Al-Islam Vol 9 No 2 (2025): Rayah Al Islam April 2025
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat, Sekolah Tinggi Ilmu Bahasa Arab Ar Raayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37274/rais.v9i2.1466

Abstract

Baitul Maal wat Tamwil (BMT) is a Sharia-based financial institution that supports financial inclusion and economic empowerment within multicultural societies. The principles of justice, solidarity, and sustainability adopted by BMT enable financial access not only for Muslim communities but also for non-Muslim communities. However, the implementation of BMT faces several challenges, including the stigma of Islamic finance exclusivity, low levels of Sharia financial literacy among the public, and suboptimal regulatory support.This study aims to analyze how the concept of multiculturalism can be integrated into BMT operations to strengthen its role as an inclusive financial model, as well as to identify challenges and strategies for optimizing its implementation. The research method employed is a literature review using a descriptive-critical analysis approach, based on academic sources including journals, books, and recent research reports relevant to multiculturalism, Islamic economics, and BMT practices in plural societies. The findings indicate that BMT has strong potential to serve as an effective inclusive financial model through strategies such as enhancing Sharia financial literacy, strengthening supportive regulations, and integrating financial technology (fintech
Co-Authors Abdul Syukur Adetia Nurfarida Agi Muhammad Abdul Ghani ahmad hambali, Radea yuli Albustomi, Ahmad Gibson Andika Tegar Pahlevi Andini Andini Asep Muhyidin Aslichan Asniah Asniah Bernardus Ario Tejo Sugiarto Budy Frasetya Taufik Qurrohman Busro, B. Dadah, Dadah Dadang Kahmad Dahlia, Siti Deni Miharja Erada, Rindi Ananda Zulfikar Erni Haryanti Ghani, Agi Muhammad Abdul Habib Akbar Al Apdolah Halim, Ilim Abdul Hambali , Radea Yuli Ahmad Hambali, Radea Yuli A Hannah, Neng Hermawan, Ucep Holina Holina Husnul Koimah Irma Riyani Jenjen Zainal Abidin Kahmad, Dadang Kustana, Kustana M. Taufiq Rahman, M. Taufiq Malik, Nida Husna Abdul Mighfaza, M. Helmi Mochamad Ziaul Haq Mohammad Taufik Rahman Muhamad Fauzi Murtadho, Diran Mustakimah, Lina Nablur Rahman Annibras Najihah, Bannan Naelin Nisrina Dhia Pinasti Nunung Kurniasih, Nunung Nurdiana, Rina Paelani Setia Pauzian, Muhamad Hilmi Rahmat, Efendi Rejeki Waluyajati, Roro Sri Rika Dilawati Rosyad, Rifki Rukman Rukman Shamsu, Lily Suzana binti Haji Syawqi Albar, Akmal Thoriq Al-Khaliel, Achnaf Viktorahadi, Bhanu Wahida, Endah Wahyudin Darmalaksana Walujayati, Roro Sri Rejeki Waluyajati, Roro Sri Rejeki Wasik, Abdul Yoshy Hendra Hardiyan Syah Yunika Sari Zulaeha, Eni Zulaiha, Eni