Determinan Sustainabilitas Lembaga Keuangan Mikro Syari’ah dan Upaya Penanggulangan Kemiskinan di Kabupaten Agam

Authors

  • Melya Husna Institut Agama Islam Negeri (IAIN) Bukittinggi, Indonesia
  • Hesi Eka Puteri Institut Agama Islam Negeri (IAIN) Bukittinggi, Indonesia
  • Winarno Winarno Institut Agama Islam Negeri (IAIN) Bukittinggi, Indonesia

DOI:

https://doi.org/10.30983/es.v3i2.2556

Abstract

 This study aims to analyze the determinants of the sustainability of Islamic microfinance institutions and efforts to reduce poverty in Agam district. Islamic microfinance institutions in this study are limited to Baitul Maal wa Tamwil in Agam Regency with a sample of 31 BMTs that existed until 2019. The method used is the mix method. Quantitative analysis uses Smart PLS 3.0 software as a data processing tool. Qualitative analysis uses interviews as a data collection tool. The results showed that management, human resources and culture were determinants of BMT sustainability in Agam District. This study also provides an analysis that BMT is an instrument that can be used in poverty alleviation in Agam District. Penelitian ini bertujuan untuk menganalisis faktor-faktor penentu sustainabilitas (keberlanjutan) lembaga keuangan mikro syariah dan upaya dalam penanggulangan kemiskinan di Kabupaten Agam. Lembaga Keuangan Mikro Syariah dalam penelitian ini dibatasi pada Baitul Maal wa Tamwil (BMT) yang ada di Kabupaten Agam dengan sampel sebayak 31 BMT yang ada sampai tahun 2019. Metode yang digunakan adalah mix method. Analisis kuantitatif mengunakan software Smart PLS 3.0 sebagai alat pengolahan data. Analisis kualitatif menggunakan wawancara sebagai alat pengumpulan data. Hasil penelitian menunjukkan bahwa Manajemen, SDM dan Budaya merupakan faktor penentu sustainabilitas BMT di Kabupaten Agam. Penelitian ini juga menyatakan bahwa BMT merupakan salah instrumen yang dapat digunakan dalam hal penanggulangan kemiskinan di Kabupaten Agam.

Author Biography

Melya Husna, Institut Agama Islam Negeri (IAIN) Bukittinggi

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References

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Hasil penelitian yang dilakukan pada bulan September tahun 2019

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Jonathan Murdock, 2000, Financial Performance and Outrech: A Global Analysis Of Leading Microbanks, Word Development.

Kuat Ismanto, Faktor-Faktor yang mempengaruhi eksistensi BMT di Pekalongan, Iqtishadia: Vol.7. No.1, 2015.

Morshed Lamiya, To Expand Microfinance for Poverty Allevation, What is The Main Constrain? Capital or Capacity Building?: Grameen Trust Experient. International Jurnal of Bussines and Globalisation, Vol.15, No.3, 2015.

Muhammad Kamal Zubair, Analisis Faktor-Faktor yang Mempengaruhi Sustainabilitas Lembaga Keuangan Mikro Syariah, Iqtishadia: Vol.9. No.2, 2016.

Muhammad Yunus, (2007), Bank Kaum Miskin, Terjemahan. Jakarta:Margin Kiri.

Yusuf Qardawi, (2007), Hukum Zakat, alih bahasa Didin Hafidhuddin dkk, Bogor : Litera Antar Nusa.

Jon kenedi dan Zul Efendi, Penerapan Teori Organisasi Z untuk Memperbaiki Kinerja BMT Agam Madani Di Kabupaten Agam, Ekonomika Syariah : Journal Of Economics Studies, Vol.1, No.2, Januari-Juli 2017.

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Published

2019-12-17

How to Cite

Husna, M., Puteri, H. E., & Winarno, W. (2019). Determinan Sustainabilitas Lembaga Keuangan Mikro Syari’ah dan Upaya Penanggulangan Kemiskinan di Kabupaten Agam. EKONOMIKA SYARIAH : Journal of Economic Studies, 3(2), 61–74. https://doi.org/10.30983/es.v3i2.2556

Issue

Vol. 3 No. 2 (2019): Juli-Desember 2019

Section

Articles

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