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All Journal Studia Economica: Jurnal Ekonomi Islam Journal of Aswaja and Islamic Economics GLOSSARY
Rinda Asytuti
Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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BMT'S TRANSFORMATION: TOWARDS A SUSTAINABLE INCLUSIVE FINANCIAL MODEL Maryani Ayu Rahma; Putri Damayanti; Rinda Asytuti
JASIE Vol 3, No 1 (2024): JUNI
Publisher : JASIE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.3194/jse.v3i1.10179

Abstract

This study discusses BMT's strategy in transforming to support inclusive and sustainable finance using qualitative methods and theapproach in this study is a content analysis study. The result of this study is that every financial institution in Indonesia uses an inclusive financial system, because with this inclusive finance makes an easy requirement which means that people from the lower class can access and use existing facilities easily because of easy requirements.
Zakat Management: Challenges and Solution for Zakat Management Institutions in Indonesia Rinda Asytuti; Ayu Azra Nadhifa; Nazla Aqila Zamrie; Ratih Kurnifiana
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 2 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i2.26262

Abstract

The main objective of this study is to analyze the crucial role of Islamic economic institutions namely the National Zakat Agency (BAZNAS), Zakat Institutions (LAZ), and Zakat Collection Units (UPZ) in optimizing zakat management in Indonesia. In addition, this study comprehensively identifies the main challenges faced by these institutions and formulates prospective improvement strategies. Using a descriptive qualitative approach based on an in-depth literature review and relevant secondary data analysis, the results of the study confirm that Indonesia has established a solid legal and institutional framework for zakat. However, optimization is hampered by several persistent issues, including the need to improve the institutional capacity of amil, low public awareness and participation, limitations in reporting transparency, and the use of a digital system that is not yet fully integrated. Strategic steps are needed to improve the professionalism of zakat administrators, strengthen accountability through good governance, promote a more equitable and even distribution of zakat, and extensively develop technology- and digital-based zakat services. By integrating technological innovation and the principles of good governance, zakat management can be optimized. These efforts are important for realizing social justice and sustainable community welfare in Indonesia.
Model Pembiayaan BMT BAHTERA: Studi Literatur tentang Praktik Inovasi Pembiayaan Mikro berbasis Syariah M. Najmuddin; Rahmi Nurmulia; Wulan Lailatur Rohmah; Rinda Asytuti
Glossary : Jurnal Ekonomi Syariah Vol. 3 No. 2 (2025)
Publisher : Sekolah Tinggi Ilmu Syariah (STIS) Ummul Ayman Pidie Jaya, Ace

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/gose.v3i2.388

Abstract

Innovations in Islamic microfinance products at BMT BAHTERA play an important role in the development of Micro, Small and Medium Enterprises (MSMEs) in Indonesia. This research analyzes various sharia-based financing product innovations at BMT BAHTERA, such as mudharabah, musyarakah and rahn, which have helped expand access to financing, increase financial inclusion, and encourage the growth of MSMEs. Using a qualitative approach through literature review and in-depth interviews, this research identifies that BMT BAHTERA's financing product development includes innovative features such as flexible payment schemes, customer mentoring and digital integration. Despite facing challenges such as limited understanding of MSMEs and the need for policy alignment, the potential for this product development is huge, supported by technological developments and increasing public awareness of Islamic finance. This research contributes to the Islamic finance literature and provides recommendations for further development to support the sustainable growth of MSMEs.
Co-Authors Ayu Azra Nadhifa M. Najmuddin Maryani Ayu Rahma Nazla Aqila Zamrie Putri Damayanti Rahmi Nurmulia Ratih Kurnifiana Wulan Lailatur Rohmah