Strategi Baitul Maal Wa Tamwil Akad Kerjasama Pembiayaan Usaha Mikro Kecil Dan Menengah

Abstract

Abstract

The MSME sector has a strategic role in supporting Indonesia's economic growth. This significant contribution makes MSMEs able to absorb large amounts of Labor. Strategies that can be applied Baitul Maal Wa Tamwil (BMT) in implementing micro, small and medium enterprise loan cooperation agreements (MSMEs). The main objective of this study is to identify and analyze effective strategies to support the growth and sustainability of MSMEs through financing provided by BMT. This study uses a qualitative approach by conducting in-depth interviews and document analysis of BMT that successfully finance MSMEs. The analysis found that BMT has implemented several strategies, including diversification of loan products, community empowerment-based approach, and utilization of information technology to improve operational efficiency. With this BMT financing cooperation, MSMEs can finally understand production and marketing management better, and MSME revenues will continue to increase.

Keywords: Cooperation Strategy, Baitul Maal wat Tamwil; MSMEs