The Impacts of BMT Empowerment Program to MSMes Development: A Case Study in Magelang

Fahmi Medias, Eko Kurniasih Pratiwi, Nasitotul Janah


This study aims to determine the impact of the BMT (Baitul Maal wa Tamwiil)
empowerment program on the development of MSMEs (Micro, Small, and
Medium Enterprises) in Magelang. From this research, it is hoped that it can
provide accurate data and maps about the extent to which programs and
activities that have been carried out by BMT influence MSMEs in Magelang
Regency, with indicators: BMT and UMKM profiles; access that MSMEs have
to the BMT program, programs that have been implemented by BMT and the
impact of the BMT program on the development of MSMEs. This research uses
descriptive qualitative analysis. Respondents in this study consisted of several
large BMTs in Magelang, namely BMT LE Syariah, BMT Bima, BMT Karisma,
and BTM Amman. The results showed that the programs implemented by BMT
in the development of MSMEs had an impact on increasing business productivity
by increasing capital, increasing profits, and increasing managerial using
musyarakah, murabahah, wakalah and qardhul hasan contracts. Also, BMT
help to market their members’ business products in cooperation with institutions
and agencies (Cooperative agencies) in the form of collaboration activities of
MSMEs empowerment.


Impacts; Empowerment program; BMT; MSMEs

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