Baitul Maal Wa Tamwil Sebagai Lembaga Keuangan Mikro Syariah Pemberdaya Ekonomi Umat (Konsep dan Teori)

Solekha, Yasmin Afnan; Murdianah, Alisa Qotrunnada; Lestari, Nofia Sri; Asytuti, Rinda

doi:10.28918/velocity.v1i1.3647

Cited by 6 publications

(5 citation statements)

References 8 publications

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“…BMT (Baitul Maal wat Tamwil) adalah lembaga keuangan mikro berbasis syariah yang melakukan pengelolaan dana dari masyarakat dengan prinsip keuangan syariah untuk investasi dan pengembangan ekonomi umat Islam (Solekha et al, 2021).…”

Section: E Melakukan Pengelolaan Dana Dari Masyarakat Dengan Prinsip ...unclassified

Analisis Baitul Maal Wat Tamwil (BMT) Perspektif Al- Qur’an

Ghufron,

Dewi

2024

jkep

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This study intends to analyze aspects of baitul maal wat tamwil (bmt) from the perspective of the Koran. This study uses qualitative research. The type of data in this research uses secondary data sourced from the Qur'an, Hadith, books, and journals as references. The development carried out is to modify the BMT that researches in the field to become BMT according to the perspective of the Koran. Another development is that we know each of the differences between the BMT in the field and the word of God. The next development is to determine whether BMT has been explained in the Qur'an or not. Other developments also add knowledge constructs about Islamic banking to conventional banks. This study has a qualitative approach. Determining the number of samples in this study adjusted to the snowball sampling technique. The data collection technique in this study was the technique of taking data sources, which at first were small in number and then enlarged. This was because the small data sources had not been able to provide satisfactory data, so looking for other informants who were used as data sources.

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Section: E Melakukan Pengelolaan Dana Dari Masyarakat Dengan Prinsip ...unclassified

Analisis Baitul Maal Wat Tamwil (BMT) Perspektif Al- Qur’an

Ghufron,

Dewi

2024

jkep

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“…Adapun perbedaannya adalah, BMT memiliki skala lebih luas dibandingkan koperasi sebab masyarakat secara umum dapat memperoleh fasilitas pembiyaan dari BMT. Sebaliknya, aktivitas koperasi lebih eksklusif karena hanya anggota koperasi saja yang dapat terlibat dalam aktivitasnya (Solekha, Murdianah, Lestari, & Asytuti, 2021).…”

Section: Dinamika Hukum Kelembagaan Bmt DI Indonesiaunclassified

Dinamika Hukum Kelembagaan Baitul Maal Wat Tamwil dalam Ekosistem Ekonomi Syariah Indonesia

Muhammad Najih Vargholy

2023

Peradaban.j.econ.bus

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The institutionalization of Baitul Maal wat Tamwil (BMT) is regulated by Law Number 1 of 2013 concerning Microfinance Institutions. This law stipulates that the institutionalization of BMT is accommodated in two legal forms, namely Koperasi and Perseroan terbatas (PT). However, placing BMT in the form of Koperasi still raises ambiguity because conceptually, the two have differences. Therefore, this article conducts a historical review to explore the background of establishing the legal entity of BMT in the form of cooperatives or limited liability companies. This article is a normative legal research examined through legal regulation, conceptual, and historical approaches. The study finds that the ratio legis or legal reasons for regulating the institutionalization of BMT in the form of Koperasi and Perseroan terbatas (PT) are to provide a legal framework for BMT. Considering that BMT is an intermediary institution involved in activities such as collecting and channeling funds to and from the public, it undoubtedly involves high risks in all its activities. Kelembagaan Baitul Maal wat Tamwil (BMT) telah diatur dalam Undang-Undang Nomor 1 Tahun 2013 tentang Lembaga Keuangan Mikro. Undang-undang tersebut menentukan bahwa kelembagaan BMT diwadahi dalam dua bentuk hukum yaitu koperasi atau perseroan terbatas. Namun demikian, menempatkan BMT ke dalam bentuk koperasi masih menimbulkan kerancuan karena secara konseptual keduanya memiliki perbedaan satu sama lain. Oleh karena itu, dalam tulisan ini dilakukan pengkajian secara historis terhadap apa sebenarnya latar belakang penetapan badan hukum BMT dalam bentuk koperasi atau perseroan terbatas tersebut. Artikel ini merupakan penelitian hukum normatif yang dikaji melalui pendekatan peraturan perundang-undangan, pendekatan konseptual dan pendekatan historis. Kajian ini menemukan bahwa ratio legis atau alasan hukum dari pengaturan kelembagaan BMT dalam bentuk koperasi dan perseroan terbatas adalah untuk mewadahi BMT dalam suatu badan hukum. Mengingat bahwa BMT merupakan lembaga intermediasi yang melakukan kegiatan berupa penghimpunan dan penyaluran dana dari dan kepada masyarakat yang tentu memiliki resiko tinggi dalam segala kegiatannya

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“…Banks on a general scale are money traders; borrow money with interest and lend money also with interest and lend money also with higher interest. The bank takes advantage of the difference in interest on savings and loans (Solekha et al, 2021).…”

Section: The Implementation Of Riba In Modern Bankingmentioning

confidence: 99%

Riba in The Perspective of Sharia Bank Customers: A Systematic Literature Review

Ulama’i¹,

Rahmawati²,

Din³

2022

velocity

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This study aims to determine the Islamic bank customers to the understanding of usury. This type of research is literature review research. The type of data collected in this study is primary data, namely data obtained from various current and relevant literature regarding the level of understanding of Islamic bank customers about usury, such as from books, journals, articles, papers, and other related reading sources. The data analysis technique of this research was carried out using the data analysis technique of the Miles and Huberman model. The data analysis activities of this model include data reduction, data display and conclusion drawing or verification. The results of a systematic literature review found that usury is an additional take, both in buying and selling transactions and lending and borrowing in vanity. The prohibition of usury in the Qur’an was revealed in stages, preceded by a series of moral teachings relevant to the theme of the prohibition of usury. Conventional banks use the interest system to support their operations. In contrast to the interest system prevailing in conventional banks, Islamic banks determine the amount of return and profit sharing based on the amount of profit sharing between the customer and the bank without determining the percentage that must be paid by the customer. Bank interest is an evolution of the concept of usury that cannot be separated from the development of financial institutions. Riba in modern banking makes business decline and become unproductive. Education and religion can be used as the basis for mu’amalah for all mankind, especially Muslims. Islamic education can lead humans to become individuals who are able to survive in this world and the hereafter (al-falah). Education about usury provides important information that can be a guide for human life in contemporary mu’amalah.

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Baitul Maal Wa Tamwil Sebagai Lembaga Keuangan Mikro Syariah Pemberdaya Ekonomi Umat (Konsep dan Teori)

Cited by 6 publications

References 8 publications

Analisis Baitul Maal Wat Tamwil (BMT) Perspektif Al- Qur’an

Analisis Baitul Maal Wat Tamwil (BMT) Perspektif Al- Qur’an

Dinamika Hukum Kelembagaan Baitul Maal Wat Tamwil dalam Ekosistem Ekonomi Syariah Indonesia

Riba in The Perspective of Sharia Bank Customers: A Systematic Literature Review

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