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All Journal Media Riset Bisnis Ekonomi Sains dan Terapan
Ramandini, Nurul
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Computer Science & IT Economics, Econometrics & Finance Education Other

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PERAN BMT DALAM MENGATASI KETIMPANGAN EKONOMI, MEMBANGUN INKLUSI KEUANGAN DI ERA DIGITAL Rofi, Hafidz Ainur; Rizky Fauzi, Abiseka Sahal; Wibiksana, M Rangga; Ramandini, Nurul
Media Riset Bisnis Ekonomi Sains dan Terapan Vol 2, No 4 (2024): Media Riset Bisnis Ekonomi Sains dan Terapan
Publisher : Taksasila Edukasi Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71312/mrbest.v2i4.217

Abstract

The digital transformation of the financial sector has created significant opportunities for Baitul Maal wa Tamwil (BMT) to enhance financial inclusion and expand services to unbanked communities. This study examines the role of digitalization in improving BMT's operational efficiency, the challenges faced, and strategic opportunities in the digital economy era. The findings indicate that the adoption of mobile applications, management information systems (MIS), business process digitalization, and partnerships with fintech has improved financial accessibility and supported the growth of micro, small, and medium enterprises (MSMEs).However, digitalization also presents several challenges, including digital disparities, cybersecurity risks, high implementation costs, and regulatory adaptation. Therefore, effective strategies such as enhancing digital literacy, investing in cybersecurity, and fostering collaboration with government and fintech are crucial for ensuring the sustainability of BMT’s digital transformation. With the right approach, BMT can not only strengthen its competitiveness in the microfinance sector but also play a greater role in fostering a more inclusive, equitable, and sustainable economy in Indonesia.Keywords: Baitul Maal wa Tamwil (BMT), financial inclusion, digitalization, fintech, microfinance.
PERBANDINGAN EKOSISTEM MUSLIM-FRIENDLY TRAVEL INDONESIA, MALAYSIA, DAN ARAB SAUDI BERDASARKAN STATE OF THE GLOBAL ISLAMIC ECONOMY REPORT 2024/25 Rizky Fauzi, Abiseka Sahal; Ramandini, Nurul
Media Riset Bisnis Ekonomi Sains dan Terapan Vol 5, No 1 (2026): Media Riset Bisnis Ekonomi Sains dan Terapan (In Press)
Publisher : Taksasila Edukasi Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71312/mrbest.v5i1.804

Abstract

The growth of the global Muslim market is driving an increase in demand for halal tourism; the SGIE Report 2024/25 notes that Muslim outbound travel spending amounted to US$ 217 billion (2023) and is projected to reach US$ 384 billion by 2028 (CAGR 12.1%). This study aims to analyze Indonesia's position in Muslim-friendly travel, compare it with Malaysia and Saudi Arabia, and identify the drivers/barriers to ecosystem-based competitiveness. The analysis uses the Global Islamic Economy Indicator (GIEI) framework, which is a weighted composite index with 52 metrics in five dimensions (financial, regulatory, awareness, social, innovation). The methods used are literature study and comparative analysis of SGIE 2024/25 data and scientific references related to the concepts of halal tourism and Muslim-friendly tourism. The results show that Malaysia leads the Muslim-Friendly Travel sector (136.8), followed by Indonesia (102.4) and Saudi Arabia (91.1), which is in line with the 2024 GMTI, which ranks Indonesia and Malaysia at the top, while Saudi Arabia is in the next position. Malaysia's excellence is supported by policy integration, standardization/certification, and promotion; Saudi Arabia excels in religious demand and investment acceleration; while Indonesia is strong in destination potential, but needs to strengthen service standardization, global promotion, digital innovation, and ecosystem coordination to improve competitiveness.Keywords : SGIE, GIEI, pariwisata halal, Muslim-friendly tourism, Indonesia
Co-Authors Rizky Fauzi, Abiseka Sahal Rofi, Hafidz Ainur Wibiksana, M Rangga