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All Journal HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam
Wira, Ahmad
UIN Imam Bonjol Padang
Economics, Econometrics & Finance

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PERAN STRATEGIS BMT DALAM MENDUKUNG KEBERLANJUTAN PROGRAM PENGENTASAN KEMISKINAN: TINJAUAN MODEL DAN DAMPAK Alfian, Annisa Maulidia; Wira, Ahmad; Hendra, Testru; Duhriah, Duhriah
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 12 │ No. 1 │ 2025
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v12i1.25278

Abstract

This study aims to analyze the role of Baitul Maal wat Tamwil (BMT) as an Islamic Microfinance Institution (IMFI) in supporting the sustainability of poverty alleviation in Indonesia. The analysis highlights the strategic function of BMT in empowering microeconomic activities based on Islamic principles, especially for the poor and micro-entrepreneurs who are underserved by conventional financial institutions. Using a literature review approach and synthesis of empirical findings from various studies, this research concludes that BMT significantly contributes to increasing household income, expanding access to Islamic financing, and fostering community-based economic development. However, the sustainability of BMT’s role depends heavily on sharia compliance, technological innovation, and institutional governance quality. Therefore, collaboration between government, BMT, and zakat institutions is essential to optimize the socio-economic impact. This study recommends strengthening human resources, digitalizing services, and conducting periodic evaluations to ensure the effectiveness and sustainability of Islamic microfinance in alleviating poverty.
Co-Authors Alfian, Annisa Maulidia Duhriah, Duhriah TESTRU HENDRA