Baitul Maal wa Tamwil (BMT) is the microfinance institution that has a significant role to help breaking moneylenders practice which have been trapped the community. However, practically BMT still has not been able to break riba due to need for urgent funds; fast process, easy requirements, and short-term for payment; community have many difficulties to access finance institution;the lack of BMT socialization; the lack of community awareness to leave riba.
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