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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Dinar: Jurnal Ekonomi dan Keuangan Islam An-Nisbah: Jurnal Ekonomi Syariah Jurnal Ilmiah Ekonomi Islam Perisai : Islamic Banking and Finance Journal Jurnal Inovasi Hasil Pengabdian Masyarakat (JIPEMAS) Iqtishoduna: Jurnal Ekonomi Islam Amwaluna Jurnal Ekonomi dan Keuangan Syariah JMK Jurnal Manajemen dan Kewirausahaan Musyarakah: Journal of Sharia Economics (MJSE)
Ujang Syahrul Mubarrok
Prodi Manajemen, Fakultas Ekonomi Universitas Islam Kadiri (UNISKA) Kediri
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Musyarakah: Journal of Sharia Economics (MJSE)

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Strategi Optimalisasi Peran BMT dalam Membangun Perekonomian Jawa Timur Ujang Syahrul Mubarrok; Beny Mahyudi Saputra; Muhammad Akbar Izzulhaq
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Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (293.585 KB) | DOI: 10.2426/mjse.v2i1.5142

Abstract

The positive economic development of East Java was also followed by the development of the Islamic business industry. Various areas in East Java have established Islamic industries, such as Islamic hotels, halal culinary arts, halal tourism, and Islamic banks as Islamic financial service industries. Islamic banks as financial institutions that provide financing to the public, in their operations have not fully reached the micro-business sector in the lower East Java community. Small and micro customers who do not have collateral are paid less attention. Therefore, microfinance institutions such as Baitul Maal wat Tamwil (BMT) are needed to provide financing for micro-customers for the lower community in East Java. BMT itself has a dual role as a social institution managing ZISWAF funds and managing commercial and customer deposits. However, in its journey, BMT experienced several problems such as human resources and public perception of BMT which was still negative. So it takes a strategy to optimize the role of BMT in building the economy. This study aims to formulate a strategy to optimize the role of BMT by using SOAR analysis (strength, opportunity, aspiration, and result). Some of the strategies obtained from the discussion of this research are improving the quality of management and operations, strengthening the business structure and infrastructure of BMT, improving the quality of sharia supervision and compliance, empowering the community, and improving the people's economy.
Co-Authors Achsania Hendratmi Ahmad Yani Bayu Arie Fianto Beny Mahyudi Saputra Dzikrulloh, Dzikrulloh Izzani Ulfi Izzani Ulfi Izzani Ulfi Izzani Ulfi Kurniawati, Endah Muhammad Akbar Izzulhaq Muhammad Akbar Izzulhaq Nuraidya Fajariah Raditya Sukmana Ririn Tri Ratnasari Taufik Akbar Tjiptohadi Sawarjuwono Tjiptohadi Sawarjuwono Wahyudi, Muhamad Zufia Rahmawati