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All Journal Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam
Widiyanto bin Mislan Cokrohadisumarto
Department of Management, Faculty of Economics, Universitas Islam Sultan Agung (UNISSULA)
Economics, Econometrics & Finance

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Developing The Sustainability Model of BMTs: Empirical Approach Widiyanto bin Mislan Cokrohadisumarto; Yuli Indah Sari; Yulinda Hardiana
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Vol 13, No 1 (2020): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v13i1.6859

Abstract

Maintaining the sustainability of microfinance institutions such as BMT is a must because this financial institution is badly needed by the community who do not want to be involved with usury practices. Efforts to build sustainability with a variety of approaches, especially from a more Islamic management approach are needed. This study aims to build a model of sustainability in BMT based on growth in the financing, community support, fraud, Islamic human capital, and Islamic leadership. This research was conducted using a quantitative approach (multiple linear regression with stepwise methods) to get the best model by developing moderating variables. The number of samples used was 105 respondents collected from BMT spread across the Semarang and Pekalongan Residency, Central Java, Indonesia. Based on the results of the study, to build BMT sustainability requires financing growth, support from the community, and good Islamic human capital. An interesting finding is that fraud does not affect the sustainability of BMT, this is possible because the fraud that occurs is still in low intensity. Islamic leadership and Islamic human capital are also unable to moderate the influence of fraud on the sustainability of BMT.
The Role of Network Quality as Moderating Variable on the Performance Enhancement of Islamic Microfinance Institutions (Cases of Baitul Mal Wat Tamwil) Muhamad Mutaqin; Widiyanto bin Mislan Cokrohadisumarto
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Vol 11, No 2 (2018): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v11i2.3198

Abstract

Islamic microfinance institutions (IMFI) -such as Baitul Mal Wat Tamwil (BMT)– have an important role in the development of micro-enterprises in Indonesia. Therefore, performance improvement BMT institutions should be carried out continuously in order to enhance its role in contributing to the development of the national economy, namely through the development of micro enterprises. The purpose of this study is to develop animprovement model the performance of BMT by involving the variables of human capital, Islamic business ethics, and moderation variable of network quality. Results of the study showed that the human capital and Islamic business ethics have a significant effect on the performance of BMT, and the network quality is able to strengthen the effect of human capital and Islamic business ethics in improving the performance of BMT. This result indicates that the network quality as moderation variable has an important role in improving the performance of BMT.
Co-Authors Muhamad Mutaqin Yuli Indah Sari Yulinda Hardiana