Kontribusi BMT Terhadap Peningkatan Kesejahteraan Anggota Melalui Pembiayaan Murabahah (Studi Kasus Pada BMT Harapan Umat Kabupaten Tulungagung)

Abstract

This study aims to examine the contribution of BMT Harapan Umat in Tulungagung Regency in improving the welfare of its members through the murabahah financing scheme. The background of this study is based on the high poverty rate and limited access to financing for MSME players, which are the main obstacles to business development. BMT, as a sharia-based microfinance institution, provides flexible financing solutions based on sharia principles that align with the needs of the lower-income population. This aligns with Islamic economics, particularly the principles of maqashid syariah, which aim to protect religion, life, intellect, lineage, and wealth. This study employs a qualitative approach using the case study method. Data collection techniques were conducted through in-depth interviews, observations, and documentation of BMT Harapan Umat managers and members. Data was analyzed using the Miles and Huberman interactive model, which includes data reduction, data presentation, and conclusion drawing. The results of the study indicate that the murabahah financing mechanism at BMT Harapan Umat is in line with the principles of Islamic economics, such as price transparency, clarity of contracts, and the absence of usury. Additionally, murabahah financing has a positive impact on the well-being of members, including increased income, business development, and improved family economic conditions. The strength of BMT also lies in its personal approach and intensive mentoring of members.