Sharia Financial Inclusion Solutions and Strategies : Case of Mse-BMT in North Sumatera-Indonesia

Abstract

Micro Small Entreprises (MSE) has a strategic role in Indonesia, but for its development still faces various complex obstacles. This study examines efforts to increase Islamic financial inclusion at UMK-BMT in North Sumatra, by conducting in-depth interviews with 3 experts from BMT in Medan City and Deli Serdang Regency, North Sumatra. Organizing FGDs on 3 expert participants and 4 MSE partners, then distributing questionnaires to these 7 people. The Analysis is carried out with a qualitative-quantitative research approach using the ANP method. This study found that what needed to be done as a solution and strategy were, the main internal solution was to improve MSE's HR, followed by solutions to improve MSE's performance, the solution to improve HR's main was a solution to improve expertise, followed by solutions to improve character, solutions to improve the performance of MSE's main is a solution to increase sales turnover, then a solution to increase profits, the main external solution is the BMT capital solution followed by the government solution and the motive solution for using digital media for MSE's -BMT. The main BMT capital solution is a solution to increase the use of WA followed by a solution to increase the use of internet access, Motive Solution for the Use of Digital Digital Media is a solution to increase access capability followed by a solution to increase effectiveness, a solution to increase affordability, a solution to increase security, a solution to increase flexibility and a solution to increase efficiency, Government Solutions The main solution is to improve training and solution to improve facilities. The main strategy in determining solutions and strategies agreed by all respondents is to increase training followed by government subsidy facilities, skills improvement, character building.