PERAN STRATEGIS BMT DALAM MENDUKUNG KEBERLANJUTAN PROGRAM PENGENTASAN KEMISKINAN: TINJAUAN MODEL DAN DAMPAK

Penulis

  • Annisa Maulidia Alfian UIN Imam Bonjol Padang
  • Ahmad Wira UIN Imam Bonjol Padang
  • Testru Hendra UIN Imam Bonjol Padang
  • Duhriah Duhriah UIN Imam Bonjol Padang

DOI:

https://doi.org/10.30829/hf.v12i1.25278

Kata Kunci:

BMT, IMFI, Poverty Alleviation, Islamic Finance, Economic Empowerment

Abstrak

This study aims to analyze the role of Baitul Maal wat Tamwil (BMT) as an Islamic Microfinance Institution (IMFI) in supporting the sustainability of poverty alleviation in Indonesia. The analysis highlights the strategic function of BMT in empowering microeconomic activities based on Islamic principles, especially for the poor and micro-entrepreneurs who are underserved by conventional financial institutions. Using a literature review approach and synthesis of empirical findings from various studies, this research concludes that BMT significantly contributes to increasing household income, expanding access to Islamic financing, and fostering community-based economic development. However, the sustainability of BMT's role depends heavily on sharia compliance, technological innovation, and institutional governance quality. Therefore, collaboration between government, BMT, and zakat institutions is essential to optimize the socio-economic impact. This study recommends strengthening human resources, digitalizing services, and conducting periodic evaluations to ensure the effectiveness and sustainability of Islamic microfinance in alleviating poverty.

Referensi

Abdul Mujib. (2017). Dewan Pengawas Syariah (DPS) pada Lembaga Keuangan Mikro Syariah di Wilayah Jawa Tenga. Jurnal Az Zarqa, 9(1).

Aditya, M. F., Ansori, M., & Mubarok, A. F. (2025). Peran Lembaga Keuangan Mikro Syariah dalam Meningkatkan Perekonomian Masyarakat di Desa Tahunan. 4(2), 3444-3455.

Adnan, M. A., & Ajija, S. R. (2015). The effectiveness of baitul maal wat tamwil in reducing poverty the case of indonesian islamic microfinance institution. Humanomics, 31(2), 160-182. https://doi.org/10.1108/H-03-2012-0003

Amalia, E. (2016). Keuangan Mikro Syariah. Gramata Publishing.

Ayunda, A., Ramadhani, I. G., Fahlevy, R., Hayati, F., Islam, U., Sumatera, N., & Medan, U. (2024). Peran Lembaga Keuangan Mikro Syariah (LKMS) Dalam Mendukung Ekonomi Kerakyatan dan Pengentasan Kemiskinan. 18(1), 1043-1052.

Aziz, N. (2008). Koperasi Syariah akan Diatur UU Koperasi. Republika Online.

Badina, T., & Rosiana, R. (2022). Peran Lembaga Keuangan Mikro Islam dalam Meningkatkan Kesejahteraan Pengusaha Mikro. Jurnal Ilmiah Ekonomi Islam, 8(1), 430. https://doi.org/10.29040/jiei.v8i1.3904

Fatriansyah, A. I. A., Junaedi, W., Fadhlihi, A., & Anggrayni, L. (2023). Baitul Mal Wat Tamwil (BMT) Strategi in the Era of Economic Disruption. Journal of Economics and Business, 1(2), 9. https://www.asianinstituteofresearch.org

Imaniyat, N. S. (2010). Aspek-Aspek Hukum BMT. Citra Adtya Bakti.

Khasanah, U., & Hirmantono, A. (2022). BMT (BAITUL MAAL WA TAMWIL) Sebagai Alternatif Pembiayaan : Studi Kasus Pada BMT At Tajdid Temayang Bojonegoro. Jurnal Manajemen Dan Akuntansi Medan, 4(2), 82-92. https://doi.org/10.47709/jumansi.v4i2.2225

Kholis, N. (2008). Ringkasan Riset Kajian Terhadap Kepatuhan Syariah dalam Praktik Pembiayaan di BMT Sleman, Yogyakarta. DPPM UII,.

KNKS (Komite Nasional Keuangan Syariah). (2019). Strategi Pengembangan Keuangan Mikro Syariah di Indonesia (Rekomendasi Kebijakan). KNKS (Komite Nasional Keuangan Syariah).

Mariyanti, T., & Mahfudz, A. A. (2016). Dynamic circular causation model in poverty alleviation: Empirical evidence from Indonesia. Humanomics, 32(3), 275-299. https://doi.org/10.1108/H-02-2016-0016

Miasary, S. D. (2020). Penerapan Model Profit-Loss Sharing untuk Investasi Modal Kecil. Zeta - Math Journal, 6(1), 1-5.

https://doi.org/10.31102/zeta.2021.6.1.1-5

Muhammad. (2011). Audit dan Pengawasan Syariah pada Bank Syariah. UII Press Yogyakarta.

Nasution, L. Z. (2020). Analisis Efektivitas Pembiayaan Mikro Syariah Bagi Pemberdayaan Masyarakat Miskin: Studi Pada Koperasi Mitra Manindo Mandailing Natal. Maker: Jurnal Manajemen, 6(2), 117-133.

https://doi.org/10.37403/mjm.v6i2.188

Novitasari, T. (2019). Peran Ojk Dalam Perlindungan Nasabah Bmt Ilegal: Studi Kasus Bmt Global Insani the Role of Otoritas Jasa Keuangan (Ojk) in Customer Protection of Illegal Bmt: Case Study Bmt Global Insani. Hukum Dan Masyarakat Madani, 9(2), 117-131.

https://www.medcom.id/ekonomi/analisa-ekonomi/5b2VgYvb-babak-barubmt-di-indonesia

Otoritas Jasa Keuangan. (2024, November 24). Dorong Pengembangan Usaha Mikro, OJK Luncurkan Roadmap Lembaga Keuangan Mikro (LKM) 2024- 2028. Otoritas Jasa Keuangan. https://ojk.go.id/id/berita-dankegiatan/siaran-pers/Pages/OJK-Luncurkan-Roadmap-Lembaga-KeuanganMikro-(LKM)-2024-2028.aspx

Primantoro, agustinus yoga. (2024, November 25). OJK Perkuat Tata Kelola Lembaga Keuangan Mikro. Kompas. https://www.kompas.id/artikel/ojkperkuat-tata-kelola-lembaga-keuangan-mikro Pudyastuti, E., Siregar, H., Purba, M. L., Yusditara,

W., & Samosir, H. E. S. (2022). Peran Lembaga Keuangan Mikro Dalam Pemberdayaan Ekonomi Masyarakat Kecil Menengah. Eqien - Jurnal Ekonomi Dan Bisnis, 11(04). https://doi.org/10.34308/eqien.v11i04.1298

Purnomo, J. H., & Hidayati, N. N. (2025). ISLAMIC SOCIAL BUSINESS MODEL IN ENHANCING COMMUNITY WELFARE : A MAQASHID SHARIAH AND. 1(1), 37-54.

Qadariyah, L., & Permata, A. R. E. (2017). Peran Lembaga Keuangan Mikro Syariah Dalam Perekonomian Di Indonesia : Studi Teoritik Dan Empirik. Dinar: Ekonomi Dan Keuangan Islam, 4(1), 1-14.

https://journal.trunojoyo.ac.id/dinar/article/view/5062

Rifa'i, A. (2017). The Role of Islamic People's Financing Banks in Implementing Inclusive Finance Through MSME Financing. Human Falah, 4(2), 194-217.

Rispan, & Kamilah. (2025). Pengentasan Kemiskinan Untuk Mencapai SDGs : Peran BMT Mandiri Abadi Syariah di Kota Medan. The Journal of Multidisciplinary Research on Scientific and Advanced, 3(1), 128-136.

Sa'diyah, M., & Athifa Meuthiya, A. (2014). Pengembangan Produk-Produk Lembaga Keuangan Mikro Syariah. Lembaga Keuangan Mikro Syariah, VOL 02(NO 01), 18. http://garuda.ristekdikti.go.id/journal/article/401337

Thantawi, T. R., Nurhasan, A. K., & Rizki. (2024). Merancang Lembaga

Keuangan Mikro Syariah Yang Tepat Pada Desa Gunung Sari, Kecamatan Pamijahan, Kabupaten Bogor. Sahid Development Journal, IV(Oktober).

Wulandari, P., & Pramesti, M. (2021). Designing sustainable Islamic

Microfinance to enhance the accessibility of poor borrowers in Indonesia: An appreciative intelligence approach. IOP Conference Series: Earth and Environmental Science, 716(1). https://doi.org/10.1088/1755-

/716/1/012065

Yaqin, A. (2021). Fungsi Sosial Baitul Maal Wa Tamwil (BMT) Pasca UU No 1 Tahun 2013 Tentang Lembaga Keuangan Mikro. Mabsya: Jurnal

Manajemen Bisnis Syariah, 3(2), 146-163.

https://doi.org/10.24090/mabsya.v3i2.5597

Zeller, M., & Meyer, R. L. (2002). The triangle of microfinance: financial sustainability, outreach, and impact. Johns Hopkins University Press.

Unduhan

Diterbitkan

2025-06-30

Terbitan

HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 12 │ No. 1 │ 2025

Bagian

Articles

Lisensi

Authors who publish with this journal agree to the following terms:

  1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
  2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
  3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).

HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam have CC-BY-SA or an equivalent license as the optimal license for the publication, distribution, use, and reuse of scholarly work.

In developing strategy and setting priorities, HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam recognize that free access is better than priced access, libre access is better than free access, and libre under CC-BY-SA or the equivalent is better than libre under more restrictive open licenses. We should achieve what we can when we can. We should not delay achieving free in order to achieve libre, and we should not stop with free when we can achieve libre.

HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam is licensed under a Creative Commons Attribution 3.0 International License

You are free to:

  • Adapt — remix, transform, and build upon the material for any purpose, even commercially.
The licensor cannot revoke these freedoms as long as you follow the license terms.