Evi Sopiah
Universitas Islam Negeri Sunan Gunung Djati Bandung

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The Role of Baitul Maal Wa Tamwil in Encouraging MSMEs in Sukabumi District (Field Study at BMT Ibadurrahman Sukabumi City) Neni Nuraeni; Evi Sopiah
Al-Muamalat: Jurnal Ekonomi Syariah Vol 10, No 2 (2023): July
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v10i2.29447

Abstract

BMT Ibadurrahman is an economic and financial institution that applies Shariah principles in all its activities. The main target of BMT Ibadurrahman is micro, small, and medium enterprises abbreviated as MSMEs. The empowerment of MSME actors is one of the patterns of creating distributive justice patterns in the Islamic economy. In addition to creating distributive justice in the economy, making people aware of the dangers of usury is one of the objectives of BMT Ibadurrahman's presence in order to prevent people from getting involved in the vicious practice of usury. The empowerment pattern carried out by BMT Ibadurrahman is not so smooth because there are several things that need to be prepared. There are two factors that are one of the causes of obstruction of the MSME empowerment pattern carried out by BMT Ibadurrahman, both from internal and external perspectives. This is an obstacle for BMT Ibadurrahman in achieving the empowerment of MSMEs in Sukabumi City and Sukabumi Regency.BMT Ibadurrahman merupakan lembaga yang bergerak di bidang ekonomi dan keuangan yang dalam segala aktivitasnya menggunakan prinsip syariah. Sasaran utama BMT Ibadurrahman dalam para pelaku usaha mikro kecil menengah atau yang disingkat UMKM. Pemberdayaan para pelaku UMKM menjadi salah satu pola terbentuknya pola keadilan distributif dalam ekonomi Islam. Selain dari terciptanya keadilan distributif dalam perekonomian, menyadarkan masyarakat akan bahayanya riba menjadi salah satu tujuan hadirnya BMT Ibadurrahman dalam menjaga masyarakat agar tidak terjerat ke dalam ganasnya praktik riba. Pola pemberdayaan yang dilakukan oleh BMT Ibadurrahman tidak begitu mulus karena ada beberapa hal yang harus di persiapkan. Ada dua faktor yang menjadi salah satu penyebab terhambatnya pola pemberdayaan UMKM yang dilakukan oleh BMT Ibadurrahman, baik dari segi internal maupun eksternal. Hal ini menjadi rintangan BMT Ibadurrahman dalam tercapainya pemberdayaan UMKM yang ada di Kota Sukabumi maupun Kabupaten Sukabumi
Analysis of the Trickle-Down Effect and Multiplier Effect of Religious Tourism at Al-Jabbar Mosque: How does it impact local MSME? Fajar Andrian Sutisna; Evi Sopiah; Annisa Nur Salam
Al-Muamalat: Jurnal Ekonomi Syariah Vol 11, No 2 (2024): July
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v11i2.37955

Abstract

This research aims to analyze the trickle-down and multiplier effects of the Al-Jabbar Mosque as a religious tourism site using a qualitative approach and descriptive analysis method using NVivo software. Primary data was collected through interviews with 20 tourists, 10 local MSME actors, 5 MSME employees, also the food court manager, and Al-Jabbar Mosque management. The findings reveal that the presence of Al-Jabbar Mosque generates a trickle-down effect by creating business potential and job opportunities for the local community. Local Community can engage in trade within the food court, also benefit from special programs like rental fee discounts. Additionally, there are employment opportunities at the mosque, such as security. The mosque also opens opportunities for MSME employment and open service, such as photography. Currently, 70% of the 550 mosque employees are local residents. Tourist visits directly impact Rp144.648.000.000 monthly to local MSME income, assuming 344,941 visitors per month with an average expenditure of Rp344,833 on food, photography, and other services. Mathematical analysis shows a multiplier effect value of 1.22, indicating that for every Rp100,000 increase in tourist spending, local MSME income rises by Rp122,000. Practically, the research suggests that Al-Jabbar Mosque management should collaborate with the local community to develop new businesses.