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All Journal Dirasat Islamiah: Jurnal Kajian Keislaman Al-Iftah: Journal of Islamic studies and society
Nur, Ermin
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Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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The Role of BMT Al-Istiqamah Sharia Cooperative in Improving Micro-Economy Nur, Ermin; Zubair, Muhammad Kamal
Al-Iftah: Journal of Islamic studies and society Vol 1 No 1 (2020): Al-Iftah: Journal of Islamic studies and society
Publisher : IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (244.108 KB)

Abstract

This study examines BMT (Baitul Mal WaTamwil) Al-Istiqamah in improving micro-economy in Enrekang. The purpose of this study was to determine the strategic role of BMT Al-Istiqamah in improving micro-economy. This type of research is qualitative with a managerial approach and Islamic economics; the research paradigm is direct involvement and intense interaction with informants; data sources are empirical data obtained in the field through the Founding Board, Manager, Members and BMT Al-Istiqamah customers' and Enrekang district government as primary sources, as well as the documents and books relating to research as secondary data . The result of this study indicated that BMT Al-Istiqamah took part in improving micro-economy in Enrekang. The role played by BMT Al-Istiqamah was the role of empowering human resources and an entrepreneurial spirit, the role of improving the welfare of the micro economy, and the role of alienating people from usury practices. The result of this study also indicated that the factors supporting the success of BMT Al-Istiqamah. The internal support to the microeconomics were strategic location, commitment of the board of directors, management and members, and high participation of members' savings, while the external support were the high demand of micro entrepreneurs to BMT al-Istiqamah, the ease of getting venture capital assistance felt by micro businesses, and government support.
Peran Baitul Mal wat Tamwil (BMT) Al-Istiqamah dalam Pengembangan Usaha Mikro di Kabupaten Enrekang: The Role of Baitul Mal wat Tamwil (BMT) Al-Istiqamah in the Development of Micro Enterprises in Enrekang Regency Nur, Ermin
Dirasat Islamiah: Jurnal Kajian Keislaman Vol. 4 No. 1 (2023)
Publisher : FAI UIM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56324/drs.v4i1.21

Abstract

This study examines the strategic role of Baitul Mal wat Tamwil (BMT) Al-Istiqamah in efforts to improve the micro-economy in Enrekang Regency and the supporting and inhibiting factors encountered in this effort. This type of research is qualitative, with managerial and Islamic economic approaches. Primary data sources are informants consisting of founders, administrators, members, and customers of BMT Al-Istiqamah, as well as the government of Enrekang Regency. Documents related to research as secondary data. Data collection techniques using observation, interviews, and documentation. Data analysis techniques use the stages of reduction, presentation, and drawing conclusions. The results showed that BMT Al-Istiqamah contributed to improving microeconomics in Enrekang. The roles played by BMT Al-Istiqamah are the empowerment of human resources and entrepreneurial spirit; improving microeconomic welfare; and preventing the public from practicing usury. Various factors supporting the success of BMT Al-Istiqamah are: strategic locations; the commitment of the founders, administrators, and members; high member savings participation; the high demand for microbusiness actors for BMT Al-Istiqamah; ease of obtaining capital assistance; and government support. The obstacles are the lack of human resources at BMT Al-Istiqamah, the lack of financial capital, the lack of technology utilization, and the number of customers who neglect to make deposit payments.
Co-Authors Muhammad Kamal Zubair, Muhammad Kamal