Model Pembiayaan Baitul Maal Wa Tamwil dan Peranannya Dalam Pembinaan Kesejahteraan Usaha Kecil Menengah (UKM)

Abstract

Model Pembiayaan Baitul Maal Wa Tamwil dan Peranannya Dalam Pembinaan Kesejahteraan Usaha Kecil Menengah (UKM)

Azhar Muttaqin

Staf Pengajar Program Studi Ahwal Syakhshiyyah, Fakultas Agama Islam
Universitas Muhammadiyah Malang
e-mail : elfarisazhar@gmail.com

ABSTRACT

Development of Small and Medium Enterprises (UKM) are often not accompanied by the required  capital adequacy. Banks are often unable to provide these needs because it’s complicated  procedure. Baitul Maal wa Tamwil (BMT) as a financial institution of Sharia was designed from scratch as an institution in direct contact with the micro sector of the economy, be able to attract  people to dynamically have coorperated with it. BMT will certainly play its role better so from time to time the number  of  users of financial services institutions is increasing.
Just how far the role of what is taken and the transaction is evolving to sustain the development  of  UKM,  the  researcher  conducted  an  analysis  of  documents  and interviews with one of the  BMT in the city of Malang, that is Kanindo Sharia. The results are shown to be role Kanindo a place in the small and medium business community. In addition to filing procedure easier, as well as the supervision of the coaching. Model of financing the most interest is murabaha, because the  proposed product is not only of individual UKM but also to the interests of the consumer. Measure  of success only on the two products, namely mudaraba and musharaka. Both the  product  itself also received attention and the great appeal of the UKM business community.

Keywords : Baitul Maal Wa Tamwil (BMT), Pembiayaan, Kanindo Syari’ah, Usaha Kecil Menengah (UKM).