PENGEMBANGAN MODEL SISTEM PENGENDALIAN ALIANSI “ALKAMIL” PADA BMT

Abstract

The aim of their study is develop a model of alliance control system implemented in the BMT
and BMT ALKAMIL Alliance joined in an alliance "ALKAMIL" in Malang. This research is a
survey research using primary data. Primary data obtained from the manager of BMT and alliances.
The method is a method of data collection questionnaires, in-depth interview method (indept
interview), direct observation methods, and FGD (Focus Group Discussion). Data analysis methods
used in this research is descriptive statistical analysis. The research was conducted in two phases.
The results of these studies in stage I, suggesting that the accumulation of funds belonging to
the alliance BMT derived from principal savings, mandatory, voluntary, and from bank loans (the
largest). While channeling their funds to SMEs / SMEs through a variety of financing. BMT-BMT
liquidity levels appear to be less good. Controls relating to the collection and disbursement of funds
for each BMT already have a system of internal control but have not gone well, so there is also an
independent agency or an alliance whose job is to oversee the development and control in the
disbursement of funds from Islamic Bank to the BMT and the BMT to SMEs / SMEs but also has
not run as expected. Among the unclear organizational structure discriptionnya job, recording system
and the authority is also not clear, as well as in its implementation, there are parts that have not been
performing their duties and responsibilities as appropriate. It is therefore necessary to model the
development of good control in sharia-based alliance for the collection and disbursement of funds
can be run well, smooth and reliable.