ISLAMIC MICROFINANCE TOWARD THE REAL SECTOR
CASE STUDY BMT TANGERANG SELATAN
Abstract
Penelitian ini membuktikan bahwa lembaga keuangan mikro syariah belum berpengaruh signifikan dalam menumbuhkan sektor riil di level mikro. Hal ini disebabkan oleh dua aspek, yaitu internal dan eksternal. Aspek internal meliputi sumber daya manusia, variasi produk, dan pemanfaatan teknologi. Aspek eksternal meliputi nasabah, kebijakan pemerintah, dan kapitalisasi ekonomi. Aspek eksternal berpengaruh lebih dominan dibandingkan aspek internal. Strategi yang harus dilakukan adalah memperbaiki strategi terhadap nasabah, dan optimalisasi penggunaan teknologi. Penelitian ini merupakan penelitian
kualitatif. Data primer penelitian diperoleh melalui observasi (wawancara dan kuesioner) kepada para pakar dan praktisi lembaga keuangan mikro syariah. Data sekunder berupa hasil temuan dari berbagai sumber berupa data, jurnal, buku, dan lain sebagainya yang terkait dengan penelitian penulis.
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