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The Impact of Microfinance Institutions on the Growth of Umkm: a Case Study of Baitul Maal Wa Tamwil (BMT) at Al-Amin Mosque, Deli Serdang Hani, Fildzah; Syahputri, Salsabila; Ritonga, Dendi Dwi Putra; Hayati, Fitri
International Journal Of Education, Social Studies, And Management (IJESSM) Vol. 5 No. 1 (2025): The International Journal of Education, Social Studies, and Management (IJESSM)
Publisher : LPPPIPublishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52121/ijessm.v5i1.605

Abstract

This study aims to analyze the impact of Baitul Maal wa Tamwil (BMT) at Al-Amin Mosque, Deli Serdang, on the growth of Micro, Small, and Medium Enterprises (MSMEs). Using a mixed-method approach through quantitative surveys and qualitative interviews, this study examines changes in indicators of turnover, business assets, workforce, and profitability of MSMEs before and after receiving financing from BMT. The results of the study indicate that BMT financing services have a positive impact on MSME growth. Average turnover increased by 60%, business assets increased, and 40% of respondents were able to employ additional workers. In addition, business profitability also increased significantly. However, this study also found several obstacles, such as low financial management capabilities and limited market access. This indicates the need to strengthen technology-based service innovation and coaching programs to support the sustainability of MSMEs. This study concludes that BMTs play a strategic role in empowering the local economy through sharia-based microfinance services. The results of this study provide recommendations for the development of similar MFIs to support MSME growth more effectively and inclusively.
Analisis Efektivitas Penerapan DMAIC dalam Meningkatkan Efisiensi dan Kualitas Produk PT Sarana Lalulintas Indonesia Syahputri, Salsabila; Daulay, Aqwa Naser; Nurbaiti, Nurbaiti
Journal of Economics and Management Scienties Volume 7 No. 4, September 2025
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/jems.v7i4.193

Abstract

Persaingan industri manufaktur yang semakin ketat menuntut perusahaan untuk meningkatkan efisiensi proses dan kualitas produk agar tetap kompetitif. PT Sarana Lalu Lintas Indonesia menghadapi masalah berupa tingginya tingkat cacat produk, waktu siklus produksi yang tidak efisien, serta frekuensi downtime mesin yang signifikan. Untuk mengatasi permasalahan tersebut, penelitian ini menerapkan metode DMAIC (Define, Measure, Analyze, Improve, Control) sebagai strategi peningkatan kinerja produksi. Penelitian dilakukan dengan pendekatan kualitatif melalui observasi lapangan, wawancara dengan manajemen dan operator, serta analisis dokumentasi data produksi selama satu tahun. Tahap Define mengidentifikasi akar masalah melalui pemetaan proses, tahap Measure menetapkan baseline kinerja, tahap Analyze menggunakan diagram fishbone untuk menemukan penyebab utama inefisiensi, tahap Improve mengimplementasikan solusi seperti standarisasi SOP, pelatihan intensif, pemeliharaan preventif, dan teknologi monitoring digital, sedangkan tahap Control memastikan keberlanjutan perbaikan melalui monitoring real-time dan audit internal. Hasil penelitian menunjukkan penurunan tingkat cacat produk hingga 50%, pengurangan waktu siklus produksi sebesar 20%, dan penurunan downtime mesin dari 15% menjadi 5%–6%. Kesimpulannya, penerapan DMAIC secara sistematis mampu memberikan perbaikan berkelanjutan, meningkatkan efisiensi operasional, konsistensi kualitas produk, dan memperkuat daya saing perusahaan di pasar.
The Impact of Microfinance Institutions on the Growth of Umkm: a Case Study of Baitul Maal Wa Tamwil (BMT) at Al-Amin Mosque, Deli Serdang Hani, Fildzah; Syahputri, Salsabila; Ritonga, Dendi Dwi Putra; Hayati, Fitri
International Journal Of Education, Social Studies, And Management (IJESSM) Vol. 5 No. 1 (2025): The International Journal of Education, Social Studies, and Management (IJESSM)
Publisher : LPPPIPublishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52121/ijessm.v5i1.605

Abstract

This study aims to analyze the impact of Baitul Maal wa Tamwil (BMT) at Al-Amin Mosque, Deli Serdang, on the growth of Micro, Small, and Medium Enterprises (MSMEs). Using a mixed-method approach through quantitative surveys and qualitative interviews, this study examines changes in indicators of turnover, business assets, workforce, and profitability of MSMEs before and after receiving financing from BMT. The results of the study indicate that BMT financing services have a positive impact on MSME growth. Average turnover increased by 60%, business assets increased, and 40% of respondents were able to employ additional workers. In addition, business profitability also increased significantly. However, this study also found several obstacles, such as low financial management capabilities and limited market access. This indicates the need to strengthen technology-based service innovation and coaching programs to support the sustainability of MSMEs. This study concludes that BMTs play a strategic role in empowering the local economy through sharia-based microfinance services. The results of this study provide recommendations for the development of similar MFIs to support MSME growth more effectively and inclusively.