The Role of Baitul Maal Wa Tamwil in Enhancing MSME Empowerment in Lubuklinggau: A Case Study of BMT Al-Azhaar
DOI:
https://doi.org/10.58879/ijcep.v5i1.79Keywords:
MSME Empowerment, Baitul Maal Wa Tamwil, Enhancing MSME EmpowermentAbstract
This study aims to analyze the role, strategy, and obstacles of BMT Al-Azhaar in enhancing the empowerment of Micro, Small, and Medium Enterprises (MSMEs) in Lubuklinggau City. This research uses a qualitative method, with data collected through observation, interviews, and documentation analyzed through data reduction, display, verification, and conclusion drawing. The results show that BMT Al-Azhaar plays two key roles in empowering MSMEs: financing and coaching. The financing role distances the community from usury-based practices and provides equitable Sharia-compliant financial support. In contrast, the coaching role helps free MSMEs from dependence on loan sharks through business guidance and mentoring. The strategies used by BMT Al-Azhaar include community-based, local resource-based, and sustainability-based approaches. The institution faces internal obstacles—such as limited human resources and non-performing loans—and external challenges, including public misconceptions equating BMT with conventional financial institutions due to fixed margin perceptions. This study contributes to the literature on Islamic microfinance by presenting a contextual model of MSME empowerment that integrates Sharia-compliant financing with coaching rooted in local values and spiritual ethics. Its novelty is identifying BMT’s empathetic strategies, such as installment deferrals for disaster-affected clients and proactive public education to address misunderstandings about murabahah contracts. These findings affirm BMT Al-Azhaar’s role as a financial provider and an agent of Islamic economic literacy and holistic empowerment.
References
Ahmad. (2025). Wawancara dengan Pegawai (Direktur) BMT AL-Azhar Lubuklinggau.
Ahmed, H. (2002). Financing Microenterprises: An Analytical Study of Islamic Microfinance Institutions. Islamic Economic Studies, 9(2).
Ahmed, H. (2011). Product Development in Islamic Banks. Edinburgh University Press.
Andri Soemitra. (2009). Bank dan Lembaga Keuangan Syariah (p. 448). Kencana.
Arif Subhan. (2014). Peranan Dosen IAIN Raden Intan Lampung dalam Pemberdayaan melalui Pengabdian Masyarakat di Kec. Sukarame Bandar Lampung. Jurnal Ilmu Dakwah Dan Pengembangan Komunitas, 9(2), 252.
Ascarya, I., & Yumanita, D. (2008). Measuring The Competitiveness of Islamic Banking in Indonesian Dual Banking System. Tazkia Islamic Finance and Business Review, 3(2).
Bhuiyan, M. A. H., Darda, M. A., & Hossain, M. B. (2022). Corporate Social Responsibility (CSR) Practices in Islamic Banks of Bangladesh. Social Responsibility Journal, 18(5), 968–983.
Dhiani, D., Farrah, F., & Suesilowati, S. (2023). Pengembangan Usaha Masyarakat Melalui Pelatihan Inovasi Produk Berbahan dasar Tepung Tempe sebagai pengganti Tepung Terigu di Desa Setiamekar. Bulletin of Community Engagement, 3(2), 271-280. https://doi.org/10.51278/bce.v3i2.903
Euis Amalia. (2009). Distributid dalam Ekonomi Islam (p. 7). Rajawali Press.
Faiz, M. R., Ismail, H., Wibowotomo, B., Sujito, S., Kurniawan, R., Falah, M. Z., & Mufti, A. S. (2023). Optimizing Instant Herbal Drink Production with IoT-Based Sachet Forming Machines to Increase Productivity and Quality. Bulletin of Community Engagement, 3(2), 109-118. https://doi.org/10.51278/bce.v3i2.886
Ibu Diana Nana. (2025). Wawancara dengan nasabah BMT Al-Azhar.
IBu Ida Farida. (2025). Wawancara dengannasabah BMT Masjid Al-Azhar.
Ibu Ida Nurmawati. (n.d.). Wawancara dengan Bu Ida Farida, nasabah BMT Masjid Al-Azhar.
Irianto, W. S. G., Widiyaningtyas, T., Sujito, S., Habibi, M. A., Syah, A. I., Hadi, A. A., & Fuadi, A. (2023). Digitalisasi Produk UMKM Berbasis E-Katalog untuk Meningkatkan Komersialisasi Pemasaran di Lingkungan Komunitas UMKM PADUKA. Bulletin of Community Engagement, 3(2), 153-161. https://doi.org/10.51278/bce.v3i2.826
Karim, N., Tarazi, M., & Reille, X. (2008). Microfinanzas Conforme a Los Principios Del Islam: Un Nicho De Mercado Emergente. Focus Note, 49.
M. Nur Rianto Al-Arif. (2012). Lembaga Keuangan Syariah (p. 319). Pustaka Setia.
Mansur. (2025). Dokumentasi Profil BMT Syariah Al-Azhaar”. BMT Al-Azhar.
Mariadas, P. A., & Murthy, U. (2017). Factors Influencing The Adoption of Islamic Banking in Malaysia. International Journal of Business and Management, 12(11), 187.
Muslimin Kara. (20117). Konstribusi Pembiayaan Perbankan Syariah Terhadap Pengembangan Usaha Mikro Kecil Dan Menengah (UMKM) Di Kota Makassar. Jurnal Ilmu Syari’ah Dan Hukum, 47(1), 272.
Obaidullah, M., & Khan, T. (2008). Islamic Microfinance Development: Challenges and Initiatives. Islamic Research & Training Institute Policy Dialogue Paper, 2.
Pak Ahmad Sanuji. (2025). Wawancara dengan nasabah BMT Masjid Al-Azhar.
R.A.Y Prasetyo and S. Herianingrum. (2016). Peranan Baitul Maal Wat Tamwil Meningkatkan Usaha Mikro Melalui Pembiayaan Mudharabah. Jurnal Syarikah, 2(2), 253.
Rahmat Imanto; Maftukhatusolikhah; Ulil Amri. (2021). Analisis peran pembiayaan BMT Syariah Al-Azhaar terhadap peningkatan kesejahteraan anggota perspektif Maqashid Syariah. Jurnal Paradigma Ekonomika, 16(4), 821.
Siti Fatimah. (2013). Masyarakat Berdaya: Jurnal Kajian Islam dan Pemberdayaan Masyarakat (p. 3). PMI Fakultas Dakwah IAIN Sunan Ampel.
Sudarsono, H. (2007). Bank dan Lembaga Keuangan Syariah, Deskripsi dan Ilustrasi (p. 96). Ekonisia Kampus Fakultas Ekonomi UII.
Sudaryanto, R. dan R. R. W. (2002). . Strategi pemberdayaan UMKM dalam menghadapi pasar Bebas ASEAN : ISSO : 1978-6522. Jurnal Ekonomi Akuntansi Dan Manajemen, 1(2), 17.
Sugiyono. (2017). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Alfabeta.
Susminingsih, S., Fatimah, F., Hermuningsih, S., & Kirana, K. C. (2017). The Empowerment of Small and Medium Enterprises (SMEs) Through BMT and Cooperative Revolving Fund in Indonesia and Malaysia: International Collaborative Research. http://repository.uingusdur.ac.id/376/
Wajdi Dusuki, A. (2008). Banking for The Poor: The Role of Islamic Banking in Microfinance Initiatives. Humanomics, 24(1), 49–66.
Yumna, A. (2019). Examining The Outreach of Islamic Charity Based Microfinance Programmes: Empirical Evidence From Indonesia. Journal of Islamic Monetary Economics and Finance, 5(4 SE-Articles), 849–872. https://doi.org/10.21098/jimf.v5i4.1111
Yusuf Qardhani. (1995). Kiat Islam Mengentaskan Kemiskinan (p. 32). Gema Insani Press.
Published
Issue
Section
Copyright (c) 2025 Binbud Florado, Rachmiya Saputri, Muhammad saleh, Peny Cahaya Azwari
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
