PERANAN BAITUL MAAL WAT TAMWIL DALAM MENINGKATKAN USAHA MIKRO MELALUI PEMBIAYAAN MUDHARABAH (Studi Kasus BMT Fajar Cabang Cileungsi Bogor Periode 2018-2019)

  • Sarwo Edy Universitas Pelita Bangsa
  • Rayu STAI Pelita Bangsa
Keywords: Islamic Microfinance Institutions; UMKM entrepreneurs; mudharabah financing

Abstract

This research is motivated by the presence of Islamic Microfinance Institutions in the form of BMT, namely BMT Fajar in the community, especially the people of Cileungsi-Bogor, is expected to bring changes in various aspects of people's lives. In the case of the people of Cileungsi Village, Bogor Regency, where the community is not familiar with Sharia Microfinance Institutions such as BMTs well. Until finally people prefer to make loans to Mobile Banks or so-called loan sharks with interest that are not small as business financing capital, it is the habit of borrowing capital to loan sharks that is the problem and attracts the author's interest to do research.

This study aims to determine the background of BMT Fajar in providing mudharabah financing, to know the mudharabah financing procedure, and to determine the role of mudharabah financing in BMT Fajar. The methodology used in this study used a qualitative approach, namely field research and library research. Field research is data collection techniques using observation, interview and documentation methods with Branch Heads, BMT Fajar Cileungsi-Bogor UMKM entrepreneurs, and their business customers. So as to get accurate data on the research process, and library research data, namely by means of data analysis using inductive, deductive and comparative.

Through interviews and observations, it can be seen that based on the results of the research it can be concluded that the role of BMT Fajar's Cileungsi branch in improving micro-businesses is by BMT Fajar to provide financing products that are not difficult in terms of capital, which do not apply the usury system in the operational system, but are replaced with a profit sharing system. between BMT and members in accordance with Islamic Sharia. One of them is through Mudharabah financing. Because they saw many Little Pengusa who had gone out of business. Whereas Small and Medium Enterprises have the potential for development in facing the Economic Crisis.

References

Abdullah Zaky Al-Kaaf, Ekonomi dalam Perspektif Islam, Bandung: CV Pustaka Setia, 2002.
Ahmad Ifham Sholihin, Pedoman Umum Lembaga Keuangan Syariah, Jakarta: Gramedia Pustaka Utama, 2010, hlm. 172.
Arikunto, Suharsimi, Prosedur Penelitian Suatu Praktek, Jakarta: Rineka Cipta, 1991.
Ascarya, Akad dan Produk Bank Syariah, Jakarta: PT. Raja Grafindo Persada, 2008.
Didik Ahmad Supadie, Sistem Keuangan Ekonomi Syariah Dalam Pemberdayaan Ekonomi Rakyat, Semarang; Pustaka Rizki Putra, hlm. 55-58.
Hartanto, Jogiyanto, Strategi Penelitian Bisnis, Yogyakarta: Andi, 2018.
Kamir, Bank dan Lembaga Keuangan lainnya, Jakarta: PT. Raja Grafindo Jakarta, 2005, hlm. 92.
M. Nadzaratuzzaman H, Hasan Ali, A Bahrul Muhtasib, Materi Dakwah Ekonomi Syariah, Jakarta: PKES, 2018, hlm. 168.
Moleong, Lexy J, Metode Penelitian Kualitatif & RND, Bandung: Alfabeta, 2007.
M. Nur Al Arif, Dasar-dasar Pemasaran Bank Syariah, Bandung: Alvabeta, 2010, hlm. 4.
Muhammad, Lembaga-lembaga Keuangan Umat Kontemporer, Yogyakarta: UII Press, 2000, hlm. 119.
Muhammad, Pengantar Akuntansi Syariah, Jakarta: Salemba Empat, 2002, hlm. 260.
Muhammad, Lembaga-lembaga Keuangan Umat Kontemporer, 2000, hlm.17-18.
Muhammad, Bank Syariah. Yogyakarta: Ekonisia, 2002.
Muhammad Ridwan, Manajemen Baitul Maal Wat Tamwil (BMT). Yogyakarta: UII Press, 2004.
M. Syafi’i Antonio, Bank Syariah Dari Teori ke Praktek, Jakarta: Gema Insani, 2001, hlm. 95.
Perwataatmadja, Karnaen A, Membumikan Ekonomi Islamdi Indonesia, Depok: Usaha Kami. 1996.
Pandia, Frianto, Manajemen dana dan Kesehatan Bank, Jakarta: Rineka Cipta, 2012.
Sudarsono, Heri, Bank dan Lembaga Keuangan Syariah, Yogyakarta: Ekonisia, 2003.
Soekanto, Soerjono, Pengantar Penelitian Hukum, Jakarta: Universitas Indonesia Press, 1986.
Sugiono, Metode Penelitian Kualitatif & RND, Bandung: Alfabeta, 2010.
Sukmadinata, Nana Syaodih, Metode Penelitian Pendidikan. Bandung: Remaja Rosdakarya, 2007.
Sutan Remy Syahdeni, Perbankan Islam dan Kedudukannya dalam tata Hukum Perbankan Indonesia, Jakarta: Raja Grafindo Persada, 2002, hlm. 26.
Usman, Rachmadi, Aspek-aspek Hukum Perbanjan Islam di Indoesia, Bandung: PT. Citra Aditiya Bakti, 2002.
Zainul Arifin, Dasar-dasar Manajemen Bank Syariah, Jakarta: Pustaka Alfabeth, 2005, hlm. 210.
Zed Mestika, Metode Penelitian Kepustakaan, Jakarta: Yayasan Obor Indonesia, 2004.
Skripsi
Ananda, F., & Setiawan, A. H. Analisis perkembangan Usaha mikro dan kecil setelah memperoleh pembiayaan mudhorobahdari BMT At-Taqwa Halmahera di Kota Semarang (Doctoral dissertation, Universitas Diponegoro), 2011.
Dewi, E. K., & Astari, A. Peran pembiayaan Mudhorobah dalam pengembangan kinerja usaha mikro pada BMT (Baitul maal watamwil).Law and justice, 2(2), 113-123, 2018.
Heny yuningrum, Mengukur Kerja Operasional BMT Pada Tahun 2010 ditinjau Dari Segi Efisiensi dengan Data Envelopment Analisis (DEA), Studi Kasus BMT di Semarang: 2012, hlm.39
Iswanto, M Alif. Pengaruh Pembiayaan Mudhorobah terhadap peningkatan pendapatan nasabah di BMT AL-Falah Sumber Kabupaten Cirebon. Skripsi Sarjana: Jurusan Muamalah Ekonomi Perbankan Islam. Cirebon: 2012.
Prasetya, R. A., & Herianingrum, S peranan Baitul maal wat tanwil meningkatkan usha mikro melalui pembiayaan Mudhorobah. JURNAL SYARIKAH: JURNAL EKONOMI ISLAM, 2(2), 2016
Utomo, Budi. Analisis Pembiayaan Mudhorobah Pada Bank Syariah Mandiri Kantor Cabang Pembantu Banyumanik. Skripsi Sarjana: Jurusan Syariah dan ekonomi Islam. Salatiga: 2014.
Internet
http://bmtfajar.blogspot.com/2015/09/pembiayaan.html, BMT Fajar, 2015, (3 mei 2020 : 09.41)
https://qazwa.id/blog/mudharabah, Qazwa, 2018 (3 mei 2020: 09.28)
Silmikaffah, “Fungsi dan peranan Lembaga keuangan”, wordpress.com.2013.http:/www.silmikaffah.wordpress.com/?s=Fungsi+dan+peranan+lembaga+keuangansubmit=search.
https://www.djkn.kemenkeu.go.id/artikel/baca/13317/UMKM-Bangkit-Ekonomi-Indonesia-Terungkit.html (24 oktober 2020: 09.54)
https://www.medcom.id/ekonomi/analisa-ekonomi/5b2VgYvb-babak-baru-bmt-di-indonesia (24 oktober 2020: 10.27)
Published
2021-04-10
How to Cite
Edy, S., & Rayuningsih. (2021). PERANAN BAITUL MAAL WAT TAMWIL DALAM MENINGKATKAN USAHA MIKRO MELALUI PEMBIAYAAN MUDHARABAH (Studi Kasus BMT Fajar Cabang Cileungsi Bogor Periode 2018-2019). Jurnal Ekonomi Syariah Pelita Bangsa, 6(01), 47 - 54. https://doi.org/10.37366/jespb.v6i01.176
Abstract viewed = 1110 times
PDF Indonesia downloaded = 861 times

Most read articles by the same author(s)