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All Journal Refleksi: Jurnal Kajian Agama dan Filsafat Ribhuna: Jurnal Keuangan dan Perbankan Syariah
Hasriah Hasanuddin
Universitas Islam Negeri Alauddin Makassar
Economics, Econometrics & Finance Social Sciences

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PERAN BMT DALAM MENINGKATKAN KEUANGAN MIKRO SYARIAH DI KALANGAN UMKM Hasriah Hasanuddin
RIBHUNA : Jurnal Keuangan dan Perbankan Syariah Vol. 4 No. 2 (2025): July 2025
Publisher : Islamic Banking Department, Faculty of Islamic Economics and Business, Institut Agama Islam (IAI) Ibrahimy Genteng Banyuwangi, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/ribhuna.v4i2.3297

Abstract

BMT or BaitulMaal wat Tamwil is an institution that has two functions, namely Baitul maal or fund house and baitul tamwil or business house. BMT is a sharia financial institution whose job is to store funds from third parties and the channeled to businesses that deserve help and of course profitable. This research aims to explain how the role of BMT in Islamic microfinance among MSMEs. With the existence of BMT, it is able to help the community, especially for MSME business actors. The results of the discussion show that the role of BMT in Islamic finance among MSMEs is very helpful. BMT is able to create decent jobs for the community in terms of capital. BMT provides capital to the community to be used as a business to connect their lives. The financing model carried out by BMT cannot be separated from the principles of sharia. The financing models that can be used are murabahah, musyarakah, mudarabah, and qardhul hasan. Based on this financing model, BMT produces a real impact on its application among MSMEs. The impact is that people do not need to be afraid of business capital anymore. BMT is here to help underprivileged people and make people independent to build their own businesses without having to depend on other people for capital. BMT of course still pay attention to sharia principles by prioritizing usury-free, responsible responsibility, upholding justice and the benefit of Muslims. Keywords : BMT, Sharia Microfinance, MSME
Tradisi Berpakaian Mispa Pasca-Haji dalam Masyarakat Bugis: Studi Kasus Desa Bulu-Bulu, Tonra Abu Haif; Hasriah Hasanuddin; Muh. Fauzi Isnan; Khaerunnisa Wahid; Firman Natzir; Nur Aidah Fauziah; Nurul Fatimah
Refleksi: Jurnal Kajian Agama dan Filsafat Vol. 24 No. 2 (2025)
Publisher : Faculty of Ushuluddin Syarif Hidayatullah State Islamic University, Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/refleksi.v24.i2.42818

Abstract

This study examines the tradition of wearing Mispa among the Bugis community in Bulu-Bulu Village, Tonra District, following the performance of the Hajj, from the perspectives of Islamic law and the sociology of religious law. The study aims to explore the social, cultural, and religious foundations underlying the persistence of the Mispa tradition among female pilgrims, as well as to analyze the normative tension between customary practices and Islamic legal prescriptions regarding aurat (modesty requirements). This research employs a qualitative field research method using normative-juridical and empirical approaches, with data collected through observation, in-depth interviews, and documentation. The findings reveal that the tradition of wearing Mispa functions not merely as an item of clothing but as a symbol of honor (siri’), spiritual commitment, and a marker of social identity within Bugis society. The tradition also encompasses socio-economic and cultural dimensions through the involvement of local artisans and constitutes an integral part of post-Hajj cultural expression. However, from the perspective of Islamic law, the practice of wearing Mispa, particularly the use of transparent fabric, raises normative concerns, as it potentially contradicts Islamic prescriptions regarding the covering of aurat. These findings highlight the existence of a dynamic negotiation between customary law and Islamic law, underscoring the importance of cultural and contextual approaches in responding to local religious practices within the demands of Islamic normative frameworks.
Co-Authors Abu Haif, Abu Firman Natzir Khaerunnisa Wahid Muh. Fauzi Isnan Nur Aidah Fauziah Nurul Fatimah