Vol. 1 No. 2 (2025): Juni
Articles

IMPLEMENTATION OF SAJADAH SAVINGS (WADIAH TERM DEPOSIT) TO IMPROVE MEMBER WELFARE AT BMT NU (NUANSA UMAT) GENTENG BRANCH

PDF
  • Hoirul Ma’muli,
  • Nawal Eka Susanti
Hoirul Ma’muli
Universitas KH Mukhtar Syafaat
Nawal Eka Susanti
Universitas KH Mukhtar Syafaat

Published 2025-06-29

Keywords

  • Islamic Savings, BMTNU, Community Welfare, Sharia Economics, Genteng.

Abstract

This study aims to analyze the role of optimizing Islamic savings in Baitul Maal wat Tamwil Nuansa Umat (BMT NU) in improving the welfare of the Muslim community in the Genteng area. Using a qualitative approach with a case study method, this research examines how the management and implementation of Sharia principles in savings products at BMT NU contribute to the economic well-being of the community. The focus of this study is to understand the extent to which the use of Islamic savings can positively impact access to financial services and local economic development. The results show that the optimization of Islamic savings based on the principles of profit-sharing, trustworthiness, and transparency encourages greater participation from the community in Sharia-based economic activities, potentially improving their welfare. These findings are expected to serve as a foundation for BMT and other Islamic financial institutions in developing more effective programs to support the economic growth of the Muslim community.

PDF

References

  1. Antonio, M. S. (2001). Bank Syariah: Dari Teori ke Praktik. Jakarta: Gema Insani Press.
  2. Hidayat, S. (2020). Pengaruh Literasi Keuangan Syariah terhadap Penggunaan Produk Tabungan di BMT. Jurnal Ekonomi Islam Indonesia, 15(1), 33–44.
  3. Kementerian Koperasi dan UKM. (2021). Pemberdayaan Ekonomi melalui BMT: Strategi dan Tantangan. Jakarta: Kementerian Koperasi dan Usaha Kecil dan Menengah.
  4. Lestari, I. (2021). Pengaruh Digitalisasi Layanan Tabungan Syariah terhadap Kepuasan Nasabah di BMT NU. Tesis. Universitas Airlangga.
  5. M. Muhammad, & Sei, A. (2009). Manajemen Dana Syariah. Yogyakarta: UII Press.
  6. Nasution, F. (2019). Mikrofinansial Syariah: Solusi Pemberdayaan Ekonomi Umat Melalui BMT. Jakarta: Pustaka Islam.
  7. Nuraini, S. (2022). Peran BMT dalam Mendorong Inklusi Keuangan Syariah di Pedesaan. Jurnal Ekonomi Syariah Indonesia, 11(3), 211–223.
  8. Otoritas Jasa Keuangan (OJK). (2020). Laporan Tahunan Perkembangan Lembaga Keuangan Mikro Syariah di Indonesia. Jakarta: OJK.
  9. Rahman, M. (2021). Optimalisasi Pengelolaan Tabungan Syariah di BMT sebagai Upaya Meningkatkan Kesejahteraan Masyarakat. Jurnal Keuangan Syariah, 8(2), 142–155.
  10. Siti, R., & Yuliani, N. (2022). Analisis Literasi Keuangan Syariah terhadap Keputusan Menabung di BMT. Jurnal Keuangan Syariah Indonesia. Diakses dari: https://scholar.google.com
  11. Sofyan, A. (2021). Peran BMT dalam Pemberdayaan Ekonomi Masyarakat Muslim melalui Tabungan Syariah. Jurnal Ekonomi Islam Indonesia. Diakses dari: https://scholar.google.com
  12. Sumiyanto. (2005). Koperasi Syariah: Konsep, Prinsip dan Implementasi. Jakarta: RajaGrafindo Persada.
  13. Susilawati, N. (2019). Strategi Pengelolaan Dana dalam Peningkatan Kesejahteraan Anggota di BMT. Jurnal Ekonomi Islam, 10(2), 78–86.