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All Journal General Multidisciplinary Research Journal Journal of Financial and Business
Muhammad Zaim
Universitas Pahlawan Tuanku Tambusai
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Public Health

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Nilai-Nilai Hadist Sebagai Dasar Pengembangan UMKM: Peluang dan Tantangan di Era Modern Hidayat Hidayat; Wahyu Febri Ramadhan Sudirman; Muhammad Zaim
General Multidisciplinary Research Journal Vol. 1 No. 2 (2024)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/general.v1i2.27

Abstract

Introduction: This article aims to provide a better understanding of the Opportunities and Challenges in Micro, Small and Medium Enterprises Development with a hadith perspective a pproach. Methods: This research is a descriptive qualitative research using a literature research approach. The data sources in this research are primary and secondary data sources. primary and secondary data sources. Data collection techniques with keyword searches, subject searches and from recent scientific articles. from recent scientific articles. Results: Report the main result/findings is that the lack and lack of ability to read opportunities is a weak point in the development of Micro, Small and Medium Enterprises. In addition, marketing strategies, networking and promotion systems and funding often make Micro, Small and Medium Enterprises unable to compete in the distribution of their products in the market. So the research is expected to provide further policy recommendations to increase the strength of Micro, Small and Medium Enterprises as an opportunity and empower Micro, Small and Medium Enterprises in facing various challenges. Conclusion and suggestion: This article highlights the importance of research and a deeper understanding of the Opportunities and Challenges of Micro, Small and Medium Enterprises Development in Hadith Perspective. Along with the times, Micro, Small and Medium Enterprises are the main support in the country's economic growth, but along with its development there are many challenges in its development such as human resources, inability to monitor and lack of management knowledge and funding. This activity is a business that is in line with the teachings of Islam which is recommended in terms of buying and selling that is good and in accordance with Islamic religious law.
The Role of Baitul Maal Wat Tamwil (BMT) in Community Economic Empowerment Al Insani Mutiara Ramadhan; Muhammad Zaim; Sela Hermawati; Wahyu Febri Ramadhan Sudirman; Muhammad Syaipudin
Journal of Financial and Business Vol 1 No 2 (2025)
Publisher : Global Sustainability Research Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/jfb.v1i2.30

Abstract

This study aims to examine the role of Baitul Maal wat Tamwil (BMT) in empowering the community's economy, especially in areas with low levels of economic welfare. BMT as a sharia-based microfinance institution has two main functions: a social fund management institution (Baitul Maal) and a commercial financial institution (Baitul Tamwil). This study uses a qualitative approach with a case study method on several BMTs in the research area. Data were collected through in-depth interviews, observations, and documentation, then analyzed using thematic analysis techniques. The study results indicate that BMT has contributed to improving the community's standard of living through micro-business financing, entrepreneurship training, and management of social funds in the form of zakat, infaq, and sedekah. In addition, BMT also plays a role in strengthening the community's social capital by encouraging active participation in community-based economic activities. The obstacles BMT faces in economic empowerment include limited capital, lack of financial literacy in the community, and challenges in maintaining sharia principles amidst competition from conventional financial institutions.
Co-Authors Al Insani Mutiara Ramadhan Hidayat Hidayat Muhammad Syaipudin Sela Hermawati Wahyu Febri Ramadhan Sudirman