Pemetaan Permasalahan BMT (Baitul Mal Wat Tamwil): Pendekatan Teori Manajemen Strategi Environmental Scaning
Abstract views: 1766
,
PDF downloads: 668
Abstract
Baitul Mal wat Tamwil (BMT) is a sharia microfinance institution in Indonesia. The presence of BMTs, like microfinance institutions in various countries, is quite helpful for small communities. Various problems according to some previous researchers still cover BMT. This study aims to map various BMT problems with the approach of management strategy theory, especially environmental scanning. This type of research is qualitative and descriptive. Data sources used are secondary data sources in the form of documents. Documents are limited to textbooks and scientific journals with certain categories. Stages of qualitative research analysis include data collection, reduction, presentation and conclusion - verification. This study concludes that problem mapping of BMT can use an environmental scanning management strategy theory approach. The results of the BMT problem mapping: BMT internal environmental problems are in HR and service product concepts, industrial environment problems are in the bargaining power of consumers / customers (community acceptance), and BMT macro environment issues are in legislation and regulation.
[Baitul Mal wat Tamwil (BMT) adalah suatu lembaga keuangan mikro syariah di Indonesia. Kehadiran BMT, sebagaimana lembaga keuangan mikro di berbagai negara, cukup membantu bagi masyarakat kecil. Berbagai permasalahan menurut beberapa peneliti sebelumnya masih menyelimuti BMT. Penelitian ini bertujuan untuk memetakan berbagai permasalahan BMT tersebut dengan pendekatan teori manajemen strategi khususnya environmental scaning. Jenis penelitian ini adalah kualitatif dan bersifat deksriptif. Sumber data yang digunakan adalah sumber data sekunder berupa dokumen. Dokumen dibatasi berupa buku teks (textbook) dan jurnal ilmiah dengan kategori tertentu. Tahapan analisa penelitian kualitatif meliputi koleksi data, reduksi, penyajian dan konklusi –verifikasi. Penelitian ini menghasilkan kesimpulan bahwa pemetaan permasalahan BMT bisa menggunakan pendekatan teori environmental scanning manajemen strategi. Hasil pemetaan permasalahan BMT: permasalahan lingkungan internal BMT adalah pada SDM dan konsep produk jasa, permasalahan lingkungan industri adalah pada daya tawar konsumen/nasabah.]
Downloads
References
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/http://dx.doi.org/10.1108/H-03-2012-0003
Apriadi, F., & Findi A, M. (2013). Solusi Peningkatan Sumberdaya Manusia Pada Baytul Maal wat Tamwil ( BMT ) di Indonesia Melalui Pendekatan Analytic Network Process ( ANP ) The Solution of Human Resources Development for Baytul Maal wat Tamwil ( BMT ) in Indonesia : an Analytic Network Pr. Jurnal Al-Muzara’ah, 1(2), 107–118.
David, F. R. (2008). Manajemen Strategis. Jakarta: Salemba Empat.
Fadllan, Fadllan, dan Syafi’i Syafi’i. “IMPLEMENTASI PRODUK TABUNGAN UMUM SYARIAH DI KJKS BMT UGT SIDOGIRI CABANG PEMBANTU TLANAKAN PAMEKASAN.” IQTISHADIA: Jurnal Ekonomi & Perbankan Syariah 2, no. 2 (2015): 171–190.
Fidiana. (2017). Tinjauan kritis kesyariahan koperasi syariah. Iqtishadia Jurnal Ekonomi Dan Perbankan Syariah, 4(2), 138–154.
Hunger, J. D., & Wheelen, T. L. (2003). Manajemen Strategis. Yogyakarta: Penerbit Andi.
Karsidi, Rahab, & Mustofa, R. (2011). Strategi peningkatan profesionalisme praktisi baitul maal wat tamwil (bmt) di kabupaten banyumas. PERFORMANCE, 14(2), 13–34.
Khan, S., & Akhter, W. (2017). Service quality and the moderating effect of Shari’ah perception on client satisfaction: A comparison of islamic and conventional microfinance in Pakistan. Cogent Economics and Finance, 5(1), 1–20. https://doi.org/10.1080/23322039.2017.1315206
Liñares-zegarra, J., & Wilson, J. (2017). The size and growth of microfinance institutions. The British Accounting Review. https://doi.org/10.1016/j.bar.2017.11.006
Masyithoh, N. D. (2013). ANALISIS NORMATIF UNDANG-UNDANG NO. 1 TAHUN 2013 TENTANG LEMBAGA KEUANGAN MIKRO (LKM) ATAS STATUS BADAN HUKUM DAN PENGAWASAN BAITUL MAAL WAT TAMWIL (BMT). Economica Jurnal Ekonomi Islam, V(1), 17–36.
Mia, M. A., Lee, H. A., Chandran, V., Rasiah, R., & Rahman, M. (2017). History of microfinance in Bangladesh: A life cycle theory approach. Business History, 6791, 1–31. https://doi.org/10.1080/00076791.2017.1413096
Mobin, M. A., Masih, M., & Alhabshi, S. O. (2017). Religion of Islam and Microfinance: Does It Make Any Difference? Emerging Markets Finance and Trade, (January), 1–33. https://doi.org/10.1080/1540496X.2016.1268526
Porter, M. E. (1980). COMPETITIVE STRATEGY, 1(2), 12–17.
Porter, M. E. (1991). Towards a Dynamic Theory of Strategy, 12, 95–117.
Rusydiana, A., & Devi, A. (2018). CHALLENGES IN DEVELOPING BAITUL MAAL WAT TAMWIIL ( BMT ) IN INDONESIA USING ANALYTIC NETWORK PROCESS ( ANP ) CHALLENGES IN DEVELOPING BAITUL MAAL WAT TAMWIIL ( BMT ) IN INDONESIA USING ANALYTIC NETWORK PROCESS ( ANP ). Business and Management Quarterly Review, 4(2), 51–62.
Sakti, A. (2013). PEMETAAN KONDISI DAN POTENSI BMT : Kemitraan dalam rangka Memperluas Pasar & Jangkauan Pelayanan Bank Syariah kepada Usaha Mikro 1 MAPPING OF CONDITIONS AND POTENTIAL OF BMT : Partnership to Expand the Market and Linkage of Islamic Banking Services to the. Jurnal Al-Muzara’ah, I(1), 1–18.
Satori, D., & Komariah, A. (2014). Metodologi penelitian kualitatif. Bandung: Alfabeta.
Sugiyono. (2018). Metode Penelitian Manajemen. Bandung: Alfabeta.
Susilowati, L. (2018). Model Strategi Tumbuh Dan Bertahan Pada Pengelolaan Baitul Maal Wat Tamwil (BMT) Di Kabupaten Tulungagung Dan Ponorogo. Iqtishadia Jurnal Ekonomi Dan Perbankan Syariah, 5(2), 163–187. https://doi.org/10.19105/iqtishadia.v5i2.1891
Thompson Jr., A. A., & Strickland III, A. J. (2003). Startagic Management, Concepts and Case. Boston: McGraw-Hill Higher Education.
Trimulato. (2018). Manajemen Sumber Daya Manusia Islam Bagi SDM di Bank Syariah. Iqtishadia Jurnal Ekonomi Dan Perbankan Syariah, 5(2), 238–265. https://doi.org/10.19105/iqtishadia.v5i2.1627
Wijiharta. (2017). Analisis Pemanfaatan Sistem Informasi Kepegawaian Pada Manajemen Kepegawaian : Studi Kasus Pada STEI Hamfara Yogyakarta. MUKADDIMAH: Jurnal Studi Islam, 2(1), 115–126.
Wulandari, P., Liyu, S. K., Sulung, A., Iwani, N., & Putri, S. (2016). Unique aspects of Islamic microfinance financing process: experience of Baitul Maal Wa Tamwil in Indonesia. Humanomics, 32(3), 1–19. https://doi.org/http://dx.doi.org/10.1108/H-09-2014-0062
The journal operates an Open Access policy under a Creative Commons Non-Commercial Share-Alike license. All articles published Open Access will be immediately and permanently free for everyone to read and download.
• Creative Commons Attribution-NonCommercial (CC-BY-NC)
Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah by http://ejournal.iainmadura.ac.id/index.php/iqtishadia is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
Based on a work at http://ejournal.iainmadura.ac.id.
