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Journal : IQTISHODUNA

STRATEGI PENGEMBANGAN BMT (BAITUL MAAL WA TAMWIL) DALAM MEMBERDAYAKAN USAHA KECIL MENENGAH Siswanto, Ely
IQTISHODUNA IQTISHODUNA (Vol 4, No 3
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (282.496 KB) | DOI: 10.18860/iq.v0i0.271

Abstract

The sustainability of syariah microfinance institution depends on the organization it professionally, and the strategic implementation comprehensively in positioning BMT (Baitul Maal wa Tamwil) as one of microfinance intermediary institution. The BMT’s existence created positive public image to participate in  developing BMT and improving people wealth broadly. Optimism toward BMT’s prospect is a main capital in developing BMT concept not only  as a development agent, but also as a profit institution who financing of small business enterprise actively. The aim of this research is : 1)to identified and analyst BMT’s model  which can develop the potential of small business enterprise; 2) to describe BMT’s effort to develop potency of small business enterprise.The  result of this research is that BMT development strategy tend to financial viability oriented, institutional soundness oriented and social effect oriented. These strategy must be supported by ability of fiqh and economic analysis and enough resources. Internally, institutional soundness toward financial management  and managerial aspect must be increased by BMT to make small business financing efficiently.
STUDI EKSPLORASI PEMBIAYAAN USAHA KECIL DAN MENENGAH (UKM) DI SENTRA-SENTRA INDUSTRI KECIL DI JAWA TIMUR Siswanto, Ely
IQTISHODUNA IQTISHODUNA (Vol 7, No 1
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (289.813 KB) | DOI: 10.18860/iq.v0i0.1742

Abstract

This research tried to explore and describe the opinion and preference of small and medium enterprises around the financing supervisory in centers of SMEs in East Java. The good description in financing and financial supervisory models would be the basic for determining the best formulation in financing and financial supervisory programs. Small and medium enterprises (SMEs) in Indonesia are developed in centers of small and medium enterprises (sentra UKM) to supervisory efectively. The centers of SMEs in this research involved Sentra Industri Mebel Kayu Pasuruan, Sentra Industri Tempe Malang, Sentra Industri Kerajinan Perak Lumajang and Sentra Industri Sandal Sepatu Mojokerto. The result of this research indicating the need for financing and financial supervisory which accommodate non financial development such as marketing, technology, and management. Furthermore, exploratory for this research indicated that there are financing and financial supervisory established in the centers known as MAP model.