Social Financial Inclusion of Digital Based and Cooperation to Increase Competitiveness in Baitul Maal Wat Tamwil
DOI:
https://doi.org/10.54298/ijith.v2i2.102Keywords:
Social Financial Inclusion, Digital, Cooperation, Competitiveness, Baitul Maal Wat TamwilAbstract
This research is aimed to find out the Social Financial Inclusion of Digital-based and Cooperation in Baitul Maal Wat Tamwil (multisite study of BMT UGT Nusantara Pasuruan and BMT NU Ngasem Bojonegoro). This research used descriptive qualitative method. Data analysis used in this research was done by collecting data sources through profound interview, observation, and the Internet, social media of BMT UGT Nusantara Pasuruan and BMT NU Ngasem Bojonegoro. The technic of analyzing qualitative data in this research was done gradually through data colleting, data reduction, data display, and conclusion. The finding showed that digital implementation of both BMT is done by using social media and promotion, submission and responsibility for social financial management. The cooperation program was also done by both BMT in order that the social financial can be inclusive. The cooperation concepts that was done by both BMT were; cooperation with inter-BMT sector, cooperation with off-BMT institutions, and cooperation with local organizations or communities. The result showed that the inclusion of digital-based social financial and cooperation in this research is able to increase the competitiveness of BMT.
Downloads
References
Atkinson, John. (2002). Four Steps to Analyse Data from a Case Study Method. Presented at the ACIS. ACIS 2002 Proceedings.
Beik, Irfan Syauki dan Laili Dwi Arsyianti. (2016). Ekonomi Pembangunan Syariah. Jakarta: Raja Grafindo Persada.
Badan Pusat Statistik. (2020, October 12). Statistik Telekomunikasi Indonesia 2020 website: https://www.bps.go.id/publication/2021/10/11/e03aca1e6ae93396ee660328/statistik-telekomunikasi-indonesia-2020.html
Djazuli, Atjep, etc. (2002). Lembaga-Lembaga Perekonomian Umat. Jakarta; Raja Grafindo Persada.
Komite Nasional Keuangan Syariah, Digitalisasi Kunci Penguatan BMT, (2020, April 30) website https://knks.go.id/berita/237/digitalisasi-kunci-penguatan-bmt?category=1
Lawasi, Eva Silvani dan Boge Triatmanto. (2017). Pengaruh Komunikasi, Motivasi dan Kerjasama Tim terhadap Peningkatan Kinerja Karyawan, Jurnal Manajemen Dan Kewirausahaan, 5(1). 47-57.
Martiana, A., Panena, Z. C. N., & Fuadi, N. F. Z. (2022). Pro-poor capital assistance: A strategic analysis of Baitul Maal wat Tamwil microfinance. Al-Uqud: Journal of Islamic Economics, 6(1), 1–13. https://doi.org/10.26740/aluqud.v6n1.p1-13
Nurfalah, Irfan dan Aam Slamet Rusydian (2019). Digitalisasi Keuangan Syariah Menuju Keuangan Inklusif: Kerangka Maqashid Syariah. Jurnal Ekonomi, Keuangan, Perbankan dan Akuntansi, 11(1). 55-76
Porter, Michael E. (2001). Competitive Advantage. Edisi Bahasa Indonesia (4th ed.). Jakarta: PT Indeks Kelompok Gramedia.
Peraturan Otoritas Jasa Keuangan Nomor 76/POJK.07/2016. (2016) about “Peningkatan Literasi dan Inklusi Keuangan di Sektor Jasa Keuangan Bagi Konsumen dan/atau Masyarakat”.
Prihadi, Dana. (2020). Pengenalan Dasar Manajemen Publik Relasi, Yogyakarta: KBM Indonesia.
Ridwan, Ahmad Hasan. (2013). Manajemen Baitul Mal Wa Tamwil. Bandung: Pustaka Setia.
Ridwan, Muhammad. (2004). Manajemen Baitul Maal Wa Tamwil. Yogyakarta: UII Press Yogyakarta.
Strategi Nasional Keuangan Inklusif. (2017, October 30), website https://snki.go.id/strategi-nasional-keuangan-inklusif/
Thomas, Lewis dan Elaine B. Johnson. (2014). Contextual Teaching Learning. Jakarta: Kaifa.
Yin, Robert K. (2014). Case Study Research Design and Methods (5th ed.). Thousand Oaks, CA: Sage.
Wulandari, Tata. 2022. “Peningkatan Penerimaan Zis Melalui Platform Digital Sebagai Pendukung Upaya Pemulihan Ekonomi Umat Di Tengah Pandemi Covid-19.” Bilancia: Jurnal Studi Ilmu Syariah Dan Hukum 16(1):21–39. DOI: 10.24239/BLC.V16I1.777.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2023 Fatkhur Rohman Albanjari
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- 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.
- 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).