Sharia Compliance in the Development of Islamic Micro Finance as a Economic Sustainability
DOI:
https://doi.org/10.21111/jiep.v7i2.12783Kata Kunci:
Sharia Compliance, Islamic Micro Finance, Sustainable EconomyAbstrak
As a microfinance institution, BMT Assyafi'iyah Berkah Nasional Lampung sometimes faces limitations in operational and investment capital, which affects their ability to expand services and help more members. Many community members, especially in rural areas, do not understand the concept of sharia finance and the benefits of using BMT services, which hinders member growth. The purpose of this study was to determine how the Implementation of Sharia Compliance affects the sustainability of the Baitul Mal Wa Tamwil (BMT) Assyafi'iyah Berkah Nasional Lampung program in poverty alleviation efforts. This study used a qualitative method using triangulation techniques to test the validity of the data. The results of this study found that Murabahah activities carried out by BMT Assyafi'iyah Berkah Nasional in Lampung have a significant impact on poverty alleviation with the management of trustworthy loan funds. Through the distribution of zakat funds, the community is helped in building their businesses. Zakat funds that are managed well can be used to provide business capital to mustahik and are beneficial. Thus, zakat and murabahah play an important role in supporting BMT to carry out its function as an institution that helps empower the people's economy and improve economic sustainability and community welfare.Referensi
Anwar, M. K., Ridlwan, A. A., & Laili, W. N. R. (2023). the Role of Baitul Maal Wat Tamwil in Empowering Msmes in Indonesia: a Study of Indonesian Islamic Microfinance Institutions. International Journal of Professional Business Review, 8(4), 1–20. https://doi.org/10.26668/businessreview/2023.v8i4.913
Anwar, S., Baehaqi, B., & Sulistyowati, S. (2023). Analisa Akad Hutang Piutang Yang Diterapkan Pada Baitul Maal Wa Tamwil (Bmt) Makmur Mandiri Periode Tahun 2019-2021. AL HUKMU: Journal of Islamic Law and Economics, 02(1), 1–6. https://doi.org/10.54090/hukmu.104
Arief, Y. S., & Alfarizy, M. Y. (2019). Pengaruh Kualitas Pelayanan Syariah Terhadap Kepuasan Konsumen. Journal of Islamic Economics and Philanthropy, 2(03), 403. https://doi.org/10.21111/jiep.v2i03.3779
Ascarya, A., Sukmana, R., Rahmawati, S., & Masrifah, A. R. (2023). Developing cash waqf models for Baitul Maal wat Tamwil as integrated Islamic social and commercial microfinance. Journal of Islamic Accounting and Business Research, 14(5), 699–717. https://doi.org/10.1108/JIABR-09-2020-0267
Astuti, R. Y., & Prayogi, I. A. (2019). PENERAPAN PENGHIMPUNAN DAN PENDISTRIBUSIAN DANA ZAKAT BERDASARKAN ZAKAT CORE PRINCIPLE (Studi Kasus di Lembaga Yatim Mandiri Solo). Journal of Islamic Economics and Philanthropy, 2(04), 570. https://doi.org/10.21111/jiep.v2i04.4425
Firmansyah, R., & Nashirudin, M. (2023). Relevance Analysis of Akad Ijarah Muntahiyah Bittamlik at BMT Syariah Bening Suci Prambanan with Fatwa of DSN MUI No. 27/DSN-MUI/III/2002. JMM17 : Jurnal Ilmu Ekonomi Dan Manajemen, 10(1), 37–43. https://doi.org/10.30996/jmm17.v10i1.8456
Habib, F. (2023). Islamic Finance and Sustainability: The Need to Reframe Notions of Shariah Compliance, Purpose, and Value BT - Islamic Finance, FinTech, and the Road to Sustainability: Reframing the Approach in the Post-Pandemic Era (Z. H. Jumat, S. Hafiz Khateeb, & S. Nazim Ali (eds.); pp. 15–40). Springer International Publishing. https://doi.org/10.1007/978-3-031-13302-2_2
Hania, B. T., & Fajaruddin, A. (2019). Business System Analysis Based on Multi Level Marketing in the Perpsective of Islamic Business Ethics (Case Study: Pt. Veritra Sentosa International). Journal of Islamic Economics and Philanthropy, 2(01), 203–233. https://doi.org/10.21111/jiep.v2i01.3098
Hassan, M. K., Muneeza, A., & Sonko, K. N. M. (2022). Islamic finance in Africa. Islamic Finance in Africa, 2–13. https://doi.org/10.4337/9781802209907.00011
Hendratmoko, H., Nadratuzzaman Hosen, M., & Muafi, M. (2024). Influence of sharia compliance on MSMEs’ intention to use Islamic crowdfunding in Indonesia. Jurnal Ekonomi & Keuangan Islam, 10(2), 277–295. https://doi.org/10.20885/jeki.vol10.iss2.art10
Hidayah, N., Azis, A., & Muslim, M. B. (2022). Complying with Sharia While Exemptinfrom Value-Added Tax: MurÄbaḥah in Indonesian Islamic Banks. Ahkam: Jurnal Ilmu Syariah, 22(1), 59–82. https://doi.org/10.15408/ajis.v22i1.22833
Hossain, M., Ahmad, Q. K., & Islam, M. M. (2022). Towards a Sustainable Economy. Towards a Sustainable Economy, XXII(3), 219–230. https://doi.org/10.4324/9781003231912
Hukum, J. (2023). Istinbáth SERVICES COOPERATION IN IMPROVING COMMUNITY MICRO. 22(1), 105–116.
Irwansyah, M. G., & Retnowati, T. (2023). The Principle of Accountability of Zakat Institutions In Management and Its Application In Amil Zakat Baitul Maal Hidayatullah Institution. Eduvest - Journal of Universal Studies, 3(1), 246–254. https://doi.org/10.59188/eduvest.v3i1.730
Mardani, D. A., Mahmudin, W., & Muflihah, R. (2023). Determinasi Pembiayaan Bermasalah Menggunakan Maqosid Syariah Index (Studi Terhadap BMT Di Kota Tasikmalaya). EKSISBANK: Ekonomi Syariah Dan Bisnis Perbankan, 7(1), 66–79. https://doi.org/10.37726/ee.v7i1.713
Marwa, M. H. M., Al-Fatih, S., Hussain, M. A., & Haris. (2023). The Position and Role of the Sharia Supervisory Board in Ensuring Sharia Compliance Equity Crowdfunding in Indonesia. Jurnal Hukum Unissula, 39(2), 212–230. https://doi.org/10.26532/jh.v39i2.33330
Md Rejab, S. N., Wahid, H., Yaacob, S. E., & Lateh, N. (2023). Factors Influencing Trust on Zakat Institutions in Achieving Sustainable Development Goals (SDG). International Journal of Academic Research in Business and Social Sciences, 13(7), 783–794. https://doi.org/10.6007/ijarbss/v13-i7/17803
Nadina, A., Mubarok, F. K., & Haryati, Y. (2022). Analysis of Financing Risk Management Implementation at Baitul Maal Wat Tamwil. AL-ARBAH: Journal of Islamic Finance and Banking, 4(1), 51–62. https://doi.org/10.21580/al-arbah.2022.4.1.14664
Ningsih, F., & Prabowo, P. S. (2022). Pengaruh Corporate Identity terhadap Keputusan Menggunakan Produk Simpanan Mudharabah Khusus Pelajar di Baitul Maal Wat Tamwil (BMT) Madani. Journal Of Institution And Sharia Finance, 5(1), 23–33. https://doi.org/10.24256/joins.v5i1.3357
