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IJSTR >> Volume 8 - Issue 8, August 2019 Edition

International Journal of Scientific & Technology Research  
International Journal of Scientific & Technology Research

Website: http://www.ijstr.org

ISSN 2277-8616

The Dynamics Of The Development Of Baitul Maal Wa Tamwil In Indonesia With The Swot Analysis Approach

[Full Text]



Uus Ahmad Husaeni, Tini Kusmayati Dew



BMT; Commercial, Economic Empowerment; Microfinance; SMEs; and Social.



This research is motivated by the fundamental changes in micro finance industry map caused by the many penetration done by big players (rich people), so Baitul Maal Wa Tamwil (BMT) position began to lose its identity and must be transformed to face competition in micro finance sector. The purpose of this study is to prove the total change of microfinance business and analyze the position and role of BMT in the economic empowerment of people. This research is qualitative with library approach, where primary data are collected from primary sources in the form of related literature and secondary data in the form of publication report and interview. The data are then presented and analyzed by descriptive-analytical method using SWOT approach. The main conclusion of this research is that there has been a commercialization of microfinance business in Indonesia, so that BMT who carry out the mission of economic empowerment of people should focus on choosing the role as well as transform themselves. The transformation is done by changing its role and position to two alternatives; commercial or social, which is then supported by good corporate governance.



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