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All Journal Jurnal Ilmiah Ekonomi Islam International Journal of Economics, Business and Accounting Research (IJEBAR)
Muhammad Tho'in
Institut Teknologi Bisnis AAS Indonesia
Economics, Econometrics & Finance Social Sciences

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A PERAN LEMBAGA KEUANGANSYARIAH BMT HIRA DALAM PEMBERDAYAAN EKONOMI MASYARAKAT DONOYUDAN KALIJAMBE SRAGEN: peran lembaga bmt hira Widodo; Muhammad Tho'in; Iin Emy Prastiwi
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 4 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i4.19811

Abstract

This study aims to analyze the role of Baitul Maal wat Tamwil (BMT) Hira in the economic empowerment of the community in Donoyudan Village, Kalijambe District, Sragen Regency. The study employed a qualitative approach with a descriptive design. Data were collected through in-depth interviews, field observations, and documentation, and were analyzed using domain, taxonomic, componential, and cultural theme analysis. The findings show that BMT Hira contributes to economic empowerment through the provision of sharia-based financing, savings services, financial education, business assistance, and the management of ZISWAF funds. These roles demonstrate the integration of the Baitul Tamwil function through financing services and the Baitul Maal function through social activities. In its implementation, BMT Hira faces several challenges, including limited public understanding of Islamic finance, financing risks associated with agricultural activities, limitations in capital and technology, and competition from informal financing sources. BMT Hira responds to these challenges through direct education using a jemput bola approach, flexible financing arrangements based on business conditions and harvest periods, cooperation with larger institutions, information system modernization, and relatively accessible and responsive services while maintaining sharia principles. The study indicates that economic empowerment through BMT involves the integration of financing, social functions, education, business assistance, and institutional adaptability to local community conditions.
MARKETING STRATEGY ANALYSIS OF SHARIA MICRO FINANCIAL INSTITUTIONS IN MURABAHAH FINANCING PRODUCTS Muhammad Tho'in
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 5 No 2 (2021): IJEBAR, VOL. 05 ISSUE 02, JUNE 2021
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v5i2.2374

Abstract

This research was conducted with the aim of knowing various kinds of promotion strategies for Sharia micro-Sharia financial institutions with the object of research, namely BMT Samara in promoting financing products and identifying strategies to obtain and increase the number of members (customers). The product that is the focus of this research is the murabahah financing product. This research is in the form of field research with descriptive qualitative analytic methods. The research data comes from interviews, observations, and questionnaires. The results showed that BMT Samara implemented a promotional mix strategy, including: 1). Advertising through radio broadcasts, talk shows and banner media; 2). Sales promotion of its financing products; 3). Even and experiences through recitation activities, breaking fast with orphans in the month of Ramadan, and distributing gifts on Idul Fitri; 4). Public relations and publicity through the slaughter of sacrificial animals during Idul Adha; 5). Personal selling through the activity of reducing employees to the community accompanied by pamphlets; 6). Direct marketing through the internet, namely the website; 7). Interactive online marketing is carried out with social media accounts for Facebook, Instagram, and WhatsApp group; 8). Word of mouth marketing. The most dominant promotional strategy in attracting new members or customers is events and experiences and public relations and publicity. The implication of conducting this research is that a variety of promotional strategies are needed and continue to make marketing innovations for Sharia microfinance institutions in order to increase the number of members (customers) and maintain the existence of their superior products in order to be able to compete and develop in the midst of intense competition in the financial industry.
Co-Authors Iin Emy Prastiwi Lutfiana Novita Sari Widodo