Peran Pembiayaan Murabahah Baitul Maal Wat Tamwil dalam Mendukung Perkembangan Usaha Mikro
Main Article Content
Abstract
This research delves into the pivotal role played by Baitul Maal Wa Tamwil (BMT) in elevating micro-business income, specifically focusing on the impact of Murabahah financing offered by BMT Eka Mandiri in Indonesia. Employing a qualitative method, the study aims to comprehensively explore and understand the multifaceted role of Murabahah financing in supporting micro-businesses. The overarching goal is to shed light on how this form of financing contributes to the economic well-being of micro-entrepreneurs. The research findings underscore the positive and transformative impact of Murabahah financing provided by BMT Eka Mandiri on the income of micro-business actors. One of the key benefits identified is facilitating easier and more affordable access to capital. This improved accessibility empowers micro-business owners to enhance their production capacity and diversify their range of products, subsequently opening avenues for increased revenue. The Murabahah financing mechanism employed by BMT Eka Mandiri addresses the financial needs of micro-businesses and catalyzes business growth. By providing a structured and Sharia-compliant approach to financing, BMT Eka Mandiri fosters an environment where micro-entrepreneurs can thrive and expand their ventures. Furthermore, the research reveals that this form of financing contributes to the resilience and sustainability of micro-businesses.
Downloads
Article Details
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
References
Acarya, & Yumanita, D. (2015). Bank Syariah: Gambaran Umum. Jakarta: Bank Indonesia.
Ahdiat, A. (2022). Indonesia Punya UMKM Terbanyak di ASEAN, Bagaimana Daya Saingnya? Retrieved from https://databoks.katadata.co.id/datapublish/2022/10/11/indonesia-punya-umkm-terbanyak-di-asean-bagaimana-daya-saingnya
Bank Indonesia. (2015). Profil Bisnis Usaha Mikro, Kecil dan Menengah. Jakarta: LPPI dan Bank Indonesia.
Ernandang kusuma, A. (2017). Peran pembiayaan mudharabah dalam pengembangan kinerja usaha mikro pada bmt (baitul maal wat tamwil). Law and Justice, 2, 113–123.
Fitriyani, Y., Aini, Q., Afiffudin, M., & Syubannul Wathon Magelang, S. (2023). Persepsi Nasabah Terhadap Keputusan Pengambilan Pembiayaan Syariah Pada KSPPS BMT Anfa’ NU Kabupaten Magelang. Jurnal Ilmiah Ekonomi Islam, 9(01), 876–884.
Haeruddin, S., & Adawiyah, R. (2023). Implementasi Pembiayaan Murabahah di Koperasi Simpan Pinjam Pembiayaan Syariah (KSPPS) Firdaus Berkah Bersama Samarinda. Jurnal Ekonomi Syariah Mulawarman, 2(4), 234–240.
Halimatus Sa’diyah, & Renny Oktafia. (2022). Strategi Pemasaran Sebagai Upaya Meningkatkan Omset Penjualan UMKM Kerajinan Kopyah. Malia (Terakreditasi), 13(1), 107–122. https://doi.org/10.35891/ml.v13i1.2786
Hanim, L., & Noorman, M. (2018). Usaha Mikro, Kecil dan Menengah & Bentuk-bentuk Usaha. Semarang: Unisula Press.
Iftitakul, N. (2023). Analisis efektivitas pembiayaan modal usaha dengan menggunakan akad Ba'i al Wafa dan Rahn Tasjily: Studi pada BMT UGT Nusantara Cabang Malang Kota. [Undergraduate thesis].Universitas Islam Negeri Maulana Malik Ibrahim.
Jauhari, M., & Angraini, B. (2023). Peran Baitul Maal Wa Tamwil (Bmt) Darussalam Dalam Meningkatkan Pendapatan Pedagang Di Pasar Simpang Sungki Kecamatan Kertapati Palembang. Jurnal Kajian Ekonomi Syariah, 6(2), 1-11
Karim, A. A. (2010). Bank Islam Analisis Fiqih dan Keuangan. Jakarta: Raja Grafindo Persada.
Kemenag RI. (2023). Al-Qur’an dan Terjemahannya. Retrieved from https://quran.kemenag.go.id/quran/per-ayat/surah/9?from=1&to=129
Lubis, C., Nugroho, L., Fitrijanti, T., & Sukmadilaga, C. (2020). Peluang Pengusaha Mikro dan Kecil (UMK) Menggunakan Layanan Digital Lembaga Keuangan Mikro Syariah. Jurnal Al-Qardh, 5(1), 56–68. https://doi.org/10.23971/jaq.v5i1.1769
Moleong, L. J. (2018). Metode Penelitian Kualitatif. Bandung: Remaja Rosdakarya.
Muhammad Fahmul Iltiham. (2020). Mekanisme Penentuan Margin Pembiayaan Murabahah di Lembaga Keuangan Syariah. Malia (Terakreditasi), 12(1), 109–124. https://doi.org/10.35891/ml.v12i1.2386
Muneeza, A., Fauzi, M. F., Bin Mat Nor, M. F., Abideen, M., & Ajroudi, M. M. (2020). House financing: contracts used by Islamic banks for finished properties in Malaysia. Journal of Islamic Accounting and Business Research, 11(1), 168–178.
Purwanto, P., Fitriyani, Y., & Lidasan, D. M. S. (2021). Financing of the medium, small and micro enterprises sector by sharia banking: positive effects on economic growth and negative effects on income inequality. Ikonomika: Jurnal Ekonomi Dan Bisnis Islam, 6(2), 97–122. https://doi.org/ttps://doi.org/10.24042/febi.v6i1.9439
Riang, A., Isnaini, D., & Oktarina, A. (2023). Peran BMT Syari’ah Jaya Abadi dalam Peningkatan Pendapatan Usaha Mikro di Kecamatan Giri Mulya Kabuapaten Bengkulu Utara. Jurnal Baabu Al-ilmi, 8(1), 45-58
Sasa sunarsa. (2022). Tinjauan hukum islam dalam praktik pinjaman uang (penelitian di PT Permodalan Nasional Madani (PNM) mekar syariah cabang singajaya kabupaten Garut Jawa Barat). Al-Afkar, Journal for Islamic Studies, 5(3), 219.
Sihotang, M. K., & Nur Elyana, S. (2023). Peran Pembiayaan Murabahah Dalam Pengembangan Kinerja Usaha Mikro Pada Baitul Maal Wat Tamwil (BMT) UB Amanah Syariah Laut Dendang. Manajemen Akuntansi, 3(4), 2642–2650.
Sugiyono. (2018). Metode Penelitian Pendidikan. Bandung: Alfabeta.
Triska, K., & Kamaliah. (2023). Analisis Penerapan Pembiayaan Akad Murabahah Pada Bank Sumut Syariah Stabat. Ekonomi Dan Bisnis Islam, 2(1), 328–341.
Wulandari, R., & Tholhah, M. (2018). Implementasi Pembiayaan dengan Akad Murabahah di Koperasi Sembada Guna Syariah Takeran. Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah, 2(2). https://doi.org/10.30651/justeko.v2i2.2482