The Role of BMT in Providing Financing for UMKM (Case Study: BMT Rizwa Manba'ul'ulum Tulungagung)

Authors

  • Erika Fatimatus UIN Sayyid Ali Rahmatullah Tulungagung
  • Mariska Aulia Putri UIN Sayyid Ali Rahmatullah Tulungagung
  • Richa Lusia Ernawati UIN Sayyid Ali Rahmatullah Tulungagung
  • Deni Yudiantoro UIN Sayyid Ali Rahmatullah Tulungagung

Keywords:

BMT, MSME, Bad credit

Abstract

This research is motivated by how the role of BMT in providing financing to MSMEs at BMT Rizwa Manbaul Ulum Tulungaung. Although BMT is a financing solution for MSMEs, there are still several challenges in the process, including MSME interest and bad credit risks that need to be addressed. This study aims to analyze the interest of MSMEs in taking financing at BMT, examine the procedures for providing financing for MSMEs, and identify strategies for handling bad credit risks implemented by BMT. The method used is descriptive qualitative with data collection techniques through in-depth interviews and observation. The results of this study indicate that the interest of MSMEs in taking financing at BMT is influenced by the convenience factor and conformity with Sharia principles. Bmt also provides various financing products, such as blessing business capital financing, motor vehicle financing, credit goods purchase, and barakah multi-purpose financing. In overcoming bad credit, BMT checks why customers do not regularly make installments and will provide offers to find a middle ground. The conclusion of this research is the need to optimize the role of BMT in offering financing to MSMEs while taking into account prudential principles and effective risk management.

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Published

2025-12-31

How to Cite

Fatimatus, E., Putri , M. A., Ernawati , R. L., & Yudiantoro, D. (2025). The Role of BMT in Providing Financing for UMKM (Case Study: BMT Rizwa Manba’ul’ulum Tulungagung). Journal of Research in Economics and Social Science, 1(2), 87–99. Retrieved from https://cesmid.or.id/index.php/jers/article/view/269

Issue

Vol. 1 No. 2 (2025): Journal of Research in Economics and Social Science

Section

ARTICLES

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Copyright (c) 2025 Erika Fatimatus

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