Baitul Maal Research Articles

Peran Baitul Maal Wa Tamwil dalam Pengembangan Ekonomi Syariah di Indonesia

Baitul Maal wa Tamwil (BMT) is an Islamic Microfinance Institution that has two main functions, namely as collectors, distributors, utilization of zakat funds, infaq, alms, waqf and can function as productive economic empowerment that provides financial services using sharia principles. . Its presence in the community has a significant impact on the Indonesian economy, especially in the field of microeconomics. This research was made using a qualitative descriptive method to analyze, summarize, and describe its role in the development of Islamic economics. Through SWOT analysis and interviews with respondents on mudarabah financing, it is shown that BMT has an important role in increasing micro-enterprises and improving economic development in Indonesia, although it still has several weaknesses. This institution encourages the economic growth of the community through financing to micro-enterprises that need funds for their business capital.

Evaluasi Program Pemberdayaan pada Yayasan Baitul Hikmah dengan Model Context-Input-Proses-Product

This study aims to evaluate the Development of Self-Reliance Community Program (P2KM) as corporate social responsibility that was conducted by Yayasan Baitul Hikmah PT. Elnusa Tbk by using CIPP model to know the impact of the program to the community on the periphery of the company. The program is expected that the life level of the community could be more prosperous with a commitment to a sustainable process. This research is qualitative research with a descriptive method. The results showed that the evaluation by using CIPP model showed that the program had been conducted by following concepts of community development step by step and have increased community economy-level on the periphery of the company. Moreover, the program also formed the local cadres for program sustainability that had been successful to establish a Baitul Maal wa Tamwil (BMT). The seriousness of managers and program assistants, community participation level, and community enthusiasm are supporting factors of the program. Meanwhile, the inhibiting factors are the cooperation with local authorities and related agencies that have not proceeded smoothly and the educational background of the program managers.

Penerapan COBIT-5 Domain DSS01 dan DSS05 Untuk Mengukur Kualitas Tata Kelola Sistem di KSPPS BMT Unit 068-Sampit

Baitul Maal wa Tamwil (BMT) is an institution that supports the economic activities of low-income communities based on the Islamic sharia economic system. KSPPS BMT KUBE SEJAHTERA 068 Sampit was formed on January 12, 2006 with the legal entity Cooperative No. 07/Kep-BH/DK.PM/VIII/2006, and is a Sharia Savings and Loans Cooperative (KSPPS) which has approximately ten years of experience serving and partnering with the community. At KSPPS BMT-Sampit there is still no auditing system to monitor whether the existing technology is running well and efficiently, as well as to provide an assessment of the maturity level of information system technology, therefore the author uses the Cobit 5 framework for the audit system by focusing on 2 domains that the choices are DSS01 (manage operation) and DSS05 (manage security service) based on the results of calculations that have been done, the maturity level of information technology in KSPPS BMT-Sampit is at level 4 (Predictable processes) for DSS01, and based on level 4 (Predictable Processes) for DSS05

PENGARUH PRODUK DAN PROMOSI TABUNGAN TAMARAH TERHADAP KEPUTUSAN NASABAH MENABUNG PADA KSPPS BAITUL MAAL WAT-TAMWIL (BMT) EL-USWAH DHARMASRAYA

This study aims to examine the effect of Tamara savings productsmand promotions on customer decisions to save at KSPPS BAITUL MAAL WAT-TAMWIL (BMT) EL-USWAH DHARMASRAYA.The variables used in this study are the dependent variable namely customer decisions (Y) and the independent variable consisting of the product (X1), promotions(X2). The type of data used in this study is quantitative data. The accumulated data used in this study are primary data from quenstionnaires and use purposive sampling techinique, data analysis techniques use classical assumption test, multiple linear regression analysis, F test, t test, R test using the SPSS 16 program, The population in this study are customers at KSPPS BAITUL MAAL WAT-TAMWIL (BMT) EL-USWAH DHARMASRAYA, the sample in this study amounted to 96 respondents, the results showed that the product had a significant positive effect on customer decisions to save, the promotion of Tamara savings had a significant positive effect on kep the customer delegate saves, products and promotion of Tamara savings collectively have a significant positive effect on customer decisions to save.

ANALISIS STRATEGI PEMBIAYAAN MUDHARABAH DALAM PEMBERDAYAAN USAHA (STUDI BTM AMANAH BANGUNREJO)

BMT (Baitul Maal Wat Tamwil) is a microfinance institution that serves as an intermediary between capital owners and recipients of capital. Therefore, the role of BMT needs to be further enhanced according to its function in collecting and distributing public funds, especially by paying more attention to financing to the productive economic sector, one of which is mudharabah financing. In this case, mudharabah financing is one of the financing used by BTM (Baitul Tamwil Muhammadiyah) Amanah Bangunrejo which is given to micro entrepreneurs in increasing their business. The problems discussed in this study are how is the mudharabah financing strategy in BTM Amanah Bangunrejo? And can the mudharabah financing strategy at BTM Amanah Bangunrejo empower businesses?. The purpose of this study is to describe and analyze the mudharabah financing strategy in empowering micro-enterprises. This research is descriptive qualitative, which describes and analyzes the problems raised. The data analysis technique in this study used descriptive qualitative data analysis. While the data collection techniques in this study used observation, interviews, and document retrieval. Based on the research, BTM Amanah Bangunrejo uses a business analysis strategy, a capital agreement and provision strategy, and a mentoring strategy. The mudharabah financing strategy has not been maximized in empowering micro-enterprises. Therefore, the researcher suggests that BTM Amanah Bangunrejo is more optimal in implementing the mudharabah financing strategy.

Pengaruh Persepsi Anggota, Kepercayaan Nasabah dan Anggaran Partisipatif terhadap Kinerja Manajerial Melalui Kepuasan Kerja Pada Baitul Maal Wat Tamwil “X” Kota Padang

This study aims to determine the effect of member perceptions, customer trust and participatory budgets on managerial performance through moderating job satisfaction in Baitul Maal wat Tamwil (BMT) "X" Padang city. This type of research includes quantitative types in the form of primary data collected by questionnaire, population and 25 research samples were taken using the census method Data analysis techniques used Structural Equations Model (path analysis) The results showed that managerial performance was explained directly by member perceptions, customer trust and participatory budgets through job satisfaction in BMT "X" cities The perception of members moderates the relationship of job satisfaction with managerial performance in BMT "X" Padang city. Customer trust does not moderate the relationship of job satisfaction with managerial performance in BMT "X" Padang city. Participatory budgets do not moderate the relationship of job satisfaction with managerial performance in BMT " X "Padang city.

SOSIALISASI BAITUL MAAL WA TAMWIL TERHADAP USAHA KECIL MENENGAH DAN PELAJAR SEKOLAH (Studi Kasus pada KSPPS BMT Pratama Cahaya Mentari Rawalumbu)

Baitul Maal wat Tamwil (BMT) is a microfinance institution that operates based on profit sharing. Conceptually, BMT has two functions: to develop a productive business, and also to invest in improving the economic quality and small entrepreneurs. This study aims to determine the financial management of the KSPPS PCM Rawalumbu. The method used qualitative data analysis based on the results of questionnaires. The results of this study indicate that the KSPPS PCM Rawalumbu, which was just born on November 25th, 2020, currently, has 70 (seventy) members, consisting of cooperative members and ordinary members. However, the financial support of this KSPPS still needs support from the Head of Muhammadiyah Rawalumbu (Pimpinan Cabang Muhammadiyah/PCM Rawalumbu) because it was just recently established. Financing lending still for consumptive needs (such as laptops, motorbikes, etc). However, it has met the adequacy of business needs, and the profit-sharing has also been in accordance with the existing agreement.

ANALISIS KINERJA KEUANGAN BMT (KSPPS) (Studi Kasus BMT Pratama Cahaya Mentari Rawalumbu Kota Bekasi)

The purpose of this research is to improve the financial performance of Baitul Maal wat Tamwil (BMT) Pratama Cahaya Mentari Rawalumbu Kota Bekasi using SWOT analysis. In this study, using primary and secondary data obtained from financial reports. The research method used is a descriptive qualitative method. Based on the ministerial regulation, regarding the cooperative with achievements, it can be concluded that performance and financial management at BMT based on the results of the data are considered to have been running at 51%. This is due to the limited funds that can be used. In terms of cash flow, it is still minus because BMT KSPPS Pratama Cahaya Mentari has just been established, while there are fixed expenses that must be issued every month such as electricity and employee salaries. This is still assisted by the leadership of the Muhammadiyah Rawalumbu Branch.

PENGARUH KEPUASAN DAN NILAI YANG DIPERSEPSIKAN NASABAH TERHADAP MINAT MENGGUNAKAN BAITUL MAAL WA TAMWIL (BMT) DALAM PERSEPSI MASYARAKAT

Influence is a power that arises or arises from something (person or thing) which contributes to a person's character, belief, or action. Satisfaction is defined as a person's feeling of satisfaction that arises after using a product or enjoying a company's services which then compares the perception to the performance of a product and its expectations. The effect of one's satisfaction on a product or service will deliver value that someone will perceive in the form of being willing to buy or use the goods and services offered. Meanwhile, Baitul Maal Wa Tamwil (BMT) is a microfinance institution that operates using sharia principles.

Shariah Compliance for Islamic micro financing (Exploratory study in BAITUL MAAL WATTAMWIL in Depok City, Indonesia)

This study aims to analyze and evaluate the supervision of shariah compliance in the Baitul Maal Wattamwil (BMT) in the Depok City. The institutional and system approach is used to see the level of supervision carried out. This study uses primary data through interviews with the shariah supervisory board (SSB) and secondary data in the form of regulations issued by the Ministry of Cooperatives and Small and Medium Enterprises and similar research. This study found that the implementation of sharia supervision through an institutional approach or through a system approach still needed to be improved. In the institutional approach, there are still SSB that have not met the expected qualifications and the coaching process that has not yet run optimally, even though the composition, position, dual position and length of service of SSBs are in accordance with established rules and have been independent in carrying out sharia supervision. Whereas in the system approach carried out by the internal audit function, the external auditor and the Ministry of Cooperatives and Small and Medium Enterprises represented by the Dinas Koperasi have not been running optimally. Keywords: shariah compliance, shariah supervisory board, baitul maal wattamwil.

Analisis Strategi Penghimpunan Zakat, Infaq dan Dana Sosial Pada KBMT Dana Akhirat Arjasari Banjaran Bandung

Collection of zakat, infaq and social funds is one of the social functions that exist in sharia cooperatives. Efforts that can be made to implement social functions in sharia cooperatives must of course have a good collection, so that they are distributed in accordance with what is prescribed by Islam and all people in need can feel the maximum benefits from sharia cooperatives. In addition, the surrounding community can entrust or set aside some of their more opinion for zakat, infaq and social funds which will be redistributed by sharia cooperatives to people who are entitled to receive them with full trust. With that, the purpose of this study is to find out the description of the collection strategy and the opportunities and challenges in collecting zakat, infaq, and social funds in KBMT Dana Akhirat Arjasari Banjaran Bandung. The research method used is a case study with descriptive data analysis with a qualitative approach which can be obtained through informants and documents with data collection techniques through observation, interviews, and literature studies to be able to describe the collection and opportunities as well as challenges in collecting zakat, infaq and social funds. The results of the research on the analysis of strategies for collecting zakat, infaq and social funds that were carried out were in accordance with Islamic law but still optimized from internal parties and still did not have a special division of baitul maal in the management of zakat, infaq and social funds. Furthermore, in facing challenges in collecting zakat, infaq and social funds, the BMT Dana Akhirat Arjasari Cooperative must maximize its opportunities and strengths, such as having many members with various professions, establishing good relations with village officials, mosque and pesantren administrators, the amount of funds Zakat, infaq and social funds are quite large every year, there are educational scholarships for children of members who excel, establish good relations with DISKOP and UKM Kab. Bandung by DEKOPINDA.

Dana Tabbaru’ Sebagai Jaminan Pembiayaan Anggota Baitul Maal Wa Tamwil Dalam Perspektif Hukum Pembiayaan

Tabbaru' fund is one of the funds raised in insurance sourced from voluntary funds which is different from premiums on sharia insurance. The purpose of insurance is to mitigate the risks that will be faced by Sharia financial institutions including Baitul Maal Wa Tamwil, one way is to raise Tabbaru's Funds. Dana Tabbaru' has several principles in its implementation, so in its application must be in accordance with the principles and laws of sharia. In practice, Tabbaru' Fund is also applied by other Sharia Financial Institutions such as Baitul Maal Wa Tamwil as a financing guarantee.

Peran Baitul Mal Wat Tamwil dalam Mewujudkan Ekonomi Syariah yang Kompetitif

Baitul Maal wa Tamwil (BMT) is an Islamic Microfinance Institution that serves two primary purposes: collecting and disbursing zakat, infaq, alms, and waqf monies; and enabling productive economic empowerment by offering financial services in accordance with sharia principles. Its presence in society has a big effect on the local economy, particularly in the microeconomic area. In order for business professionals to grasp their rights and duties and to develop their character and behavior, one of the organizations that plays a part in putting sharia-based procedures into effect is Baitul Maal wat Tamwil (BMT). BMT is founded on the norms found in the Al-Qur'an and Hadith. Fair, reasonable, healthy, and progressive business operations (which are ensured by legal certainty).

Masjid Pusat Ekonomi Kerakyatan

Indonesia is the largest Muslim population in the world. With the largest Muslim population in the world, the country of Indonesia is take advantage of these conditions and can be an opportunity to develop the economy Sharia in Indonesia. With the existence of Islamic Economics, it can provide activities Islamic economy and adheres to Islamic principles, namely the Qur'an and Sunnah Hadith. The prolonged economic crisis that has occurred in Indonesia is still have not been able to find the light. Poverty at the bottom and tend to be marginalized from every community activity, this can lead to gap between the rich and the poor. Upgrade the community's economy means increasing the ability of the community by develop the potential of the community. Therefore Baitul Maal Mattamwil (BMT) also plays an important role in developing the Islamic Economy in Indonesia. Because this BMT will also be able to help in increasing the business economy in the community for the lower middle class, this assistance can also in the form of additional capital or financing to be able to improve a business.

STRATEGY OF ISLAMIC PHILANTHROPY MANAGEMENT FOR ECONOMIC EMPOWERMENT AT BMH GERAI PONOROGO USING SWOT APPROACH

Based on the 2017 Zakat Outlook data from BAZNAS shows the great potential of Islamic philanthropy in economic empowerment. Among these Islamic philanthropic institutions, namely LAZ Baitul Maal Hidayatullah Ponorogo. This study aims to determine the management of Islamic philanthropy for economic empowerment and development strategies for economic empowerment programs at BMH Gerai Ponorogo using descriptive qualitative methods and data collection techniques through documentation, non-participant observation, and semi-structured interviews. Then analyzed using descriptive analysis methods and SWOT analysis. This research shows that Islamic philanthropic management for economic empowerment of BMH Gerai Ponorogo uses a special allocation from infaq funds and also shadaqah for the BMH Gerai Ponorogo economic empowerment program in the form of grants for business capital. Currently there are 2 main programs of economic empowerment, namely “Pesantren Berdaya” Catfish Cultivation, Shaleh Hidyatullah Children's Education Center, Sumoroto, Kab. Ponorogo and Oyster Mushroom Cultivation for Dai Tangguh in Kec. Parang, Kab, Magetan, East Java. In the aspect of Islamic economic empowerment materially in the form of capital and business assistance. Meanwhile, spiritually this economic empowerment program aims to support Islamic preaching on these two objects. For the economic empowerment strategy, it is seen in 3 aspects: enabling aspects (pre-program implementation), BMH Gerai Ponorogo conducted a survey and a feasibility test for the type of business. Then in the aspect of empowering (implementing) BMH Gerai Ponorogo also participates in mentoring and business assistance by controlling it regularly for 1-3 months. For limited guidance, apart from meetings, also through online media such as YouTube, WhatsApp, Facebook to provide direction/advice and consultation on program development. For the aspect of protecting (evaluation) BMH Ponorogo Gerai accommodates complaints and obstacles experienced and formulates solutions. Overall, the BMH Gerai Ponorogo economic empowerment program has major problems in human resources and competency in managing economic empowerment. Researchers recommend the provision of training or recruitment of special experts for the development of economic empowerment programs both intensively and extensively at the BMH Gerai Ponorogo.

Investigating the Dimensionality of Work Life Balance in Islamic Perspective (Wlbip): An Insight from Indonesia

Purpose: This study aims to investigate the dimension of Work Life Balance with Islamic perspective (WLBIP) approach in the employee of Baitul Maal Wa Tamwil or Islamic Financing Savings and Loan Cooperatives in Special Region of Yogyakarta (DIY) Province, Indonesia. Methodology: This study is conducted to all managers and employees of Baitul Maal Wa Tamwil in DIY Province. The study is carried out to 28 Baitul Maal Wa Tamwil with the target sample of 200 respondents. The questionnaire returned is from 150 respondents. Findings: WLBIP can be measured with 3 indicators: (1) time balance in Islamic perspective (TBIP); (2) involvement balance in Islamic perspective (IBIP); and (3) satisfaction balance in Islamic perspective (SBIP). Significance: The concept and research regarding WLB with Islamic approach are still not found yet. The results of the study with non-Islamic approach are still inconsistent. This study introduces the concept of WLBIP with 3 dimensions: (1) time balance in Islamic perspective (TBIP); (2) involvement balance in Islamic perspective (IBIP); and (3) satisfaction balance in Islamic perspective (SBIP). This three dimensions use WLB concept approach by considering the balance between the worldlife and the afterlife aspects. Limitations/Implications: The limitations of this study are that the author only examined the employee of financial service company with quantitative approach. Therefore, future studies need to use qualitative approach with wider sample (not only Muslim respondents). The antecedents and consequences of WLBIP also needs to be analyzed further. The theoretical implication is that this study contributes to the enrichment of WLB theory, especially from Islamic perspective, which is called WLBIP. Thus, it can contribute to the literature of Islamic Management and Islamic Organizational Behavior.

STRATEGI PEMASARAN 4P: PRODUCT, PRICE, PLACE DAN PROMOTION PRODUK DEPOSITO PADA BAITUL MAAL WA TAMWIL DI PAYAKUMBUH

The problem in this article is how to apply the product, price, place, and promotion of deposit products at Baitul Maal wa Tamwil in Payakumbuh. The research uses qualitative methods and belongs to field research with semi-structured interviews and documentation as data collection techniques. The results of the findings show that BMT in Payakumbuh applies a marketing strategy (product) of deposit products carried out in the form of socialization to prospective customers and sending a letter of a deposit offer. Furthermore, the marketing strategy (price) is carried out by notifying the amount of ratio to be given on the nominal amount of deposits and providing convenience in the form of ball pick-up and giving deposit accounts to distant customers so as not to have to come to the office to deposit funds. The marketing strategy (place) of deposit products is to pay attention to the position of the BMT office to make it easier for customers to make transactions. Lastly, the marketing strategy (promotion) of deposit products on BMT is carried out with various advertisements in the form of brochures, letters of offer, and banners. Then BMT also promotes products through social media such as Facebook, Instagram, WhatsApp, and Twitter. In addition, BMT also uses sales promotion by giving gifts to customers for a number of funds and personal sales conducted by the marketing department in the form of direct socialization

Multiculturalism, Living Qur’an Islamic Objectives: Muhammadiyah’s Portrait In West Papua

Abstract
 The topic of Multiculturalism Living Quran Muhammadiyah Papua and Application of Islamic Objectification Theory Kuntowijoyo intends to highlight the application of Da'wah bil regards Persyarikatan Muhammadiyah West Papua. Where is the application of da'wah bil hal Muhammadiyah West Papua by pioneering educational institutions from kindergarten to college, religious institutions such as mosques, pesantren, taklim assemblies, missionary corps and so on. Social institutions such as orphanages. Economic institutions such as Baitul Maal wa Attamwil (BMT). Philanthropic institutions such as Lazis Muhammadiyah. Health institutions such as clinics, and others. In the opinion of the author, once again, is the application of da'wah bil hal. Where the da'wah bil thing is the Muhammadiyah pattern in general and the West Papua Muhammadiyah pattern, according to the author, is the application of Kuntowijoyo's social theory of objectification of Islam. Plus, because of the existence of Muhammadiyah West Papua in the Muslim Minority zone, this is also an application of the application of da'wah bil things that is unique in the frame of multi-culturalism and mainstreaming religious moderation. 
 Keyword: Multiculturalism, Living Qur'an, Muhammadiyah West Papua, Islamic Objectification .

Strategi Fundraising Zakat Profesi (Studi Kasus Baitul Maal Hidayatullah Ponorogo)

Zakat as a pillar of Islam has a very important role because it has two dimensions, namely vertical as a form of obedience and obedience to Allah SWT, and a dimension of caring for fellow humans as servants. Zakat is divided into two, namely zakat fitrah and zakat maal. Zakat mal is divided into several types of zakat, including business zakat, agricultural products, livestock, gold, silver, minerals and found items. Seeing the importance of zakat, there must be a good manager in it. LAZNAS Baitul Maal Hidayatullah Ponorogo is a national amil zakat institution which is engaged in the collection of zakat funds, which is found in almost every city in Indonesia. Because many amil zakat institutions, especially those in Ponorogo district, demand the Baitul Maal Hidayatullah Ponorogo amil zakat institution to continue to improve the quality and professionalization as a good institution of competence and professionalism in collecting professional zakat funds. The purpose of this study is to determine the strategy of professional zakat fundraising in Baitul Maal Hidayatullah Ponorogo. This research method is to use a qualitative method using a case study approach. The results of this study The strategy carried out by Baitul Maal Hidayatullah Ponorogo using direct and indirect strategies, using education to the community in Ponorogo is door to door and through social media. It is proven to be successful where the professional zakat funds collected have increased every year.

Analisis Kebijakan Fiskal dalam Perspektif Ekonomi Islam; Sebuah Kajian Historis Pada Masa Umar bin Khattab

Fiscal policy in the Islamic period underwent various developments, both progress, and setbacks. Umar bin Khattab became one of the successful caliphs in the economic field, especially in managing his public finances. This article aims to identify fiscal policies in the time of the Caliph Umar bin Khattab, starting from the budget policy system, the financial management and allocation system, and its success. The method used is a qualitative approach. The data source used is secondary data with library research techniques, namely by collecting data derived from books, research results, websites, and other relevant sources. Analysis of data using descriptive technical analysis. The results of the discussion showed that fiscal policy during the Caliph Umar bin Khattab used a balanced budget system that was managed through Baitul Maal. Fiscal policy instruments developed include zakat, infaq, sedkah, wakaf, ghanimah, fa'i, kharaj, jizyah, ushur, and khums. Meanwhile, in terms of expenditure on budget allocation based on a priority scale, then it is used to fulfill the needs of mustahik, defense and security, social and religious, and state administration.