TY  - THES
N1  - Prof. Dr. H. Abd. Salam Arief, M.A., dan Prof. Dr. H. Muhammad, M.Ag.
ID  - digilib22680
UR  - https://digilib.uin-suka.ac.id/id/eprint/22680/
A1  - MUHAMMAD KAMAL ZUBAIR, MAG, NIM. 0732613
Y1  - 2016/08/19/
N2  - Research on the sustainability of Islamic microfinance institutions aims to
identify the factors that determine the sustainability of Baitul Mal wat Tamwil (BMT)
as an Islamic microfinance institution (LKMS). Yogyakarta was chosen to be the
research site based on consideration of the quite rapidly development of BMT in this
region and its interesting and diverse characteristics in terms of the problems faced;
therefore, it was possible to obtain data required in accordance with the issues raised
in this study. Facts on the ground indicated that some BMTs were growing rapidly
and continued to expand their business, while some others were threatened to be in
bankruptcy. This condition could lead to threaten the sustainability and development
of Islamic microfinance institutions in the long term.
The problems in this study emphasized the constraints in the management of
BMT. These constraints could be divided into internal and external constraints. The
internal and external issues included institutions? performance which was not
maximized, the human resource capacity that had not been professional, financial
performance that had not been good, weak capitalization, limited infrastructures,
ineffective regulation, and supervision which was not maximized.
Models built through this study showed that the variables making up the
external factors, namely regulation, supervision, and infrastructure, proved to be
positively significant to affect sustainability of BMT, while for the internal factors,
only two of the five variables studied (human resources, management, capital, market
range, and product innovation) were significantly and positively affecting the
sustainability of BMT, namely human resources and capital.
The findings in this study were that the aspects of determined external and
internal factors that had an influence on the sustainability of BMT were the aspect of
regulation, supervision, infrastructure, human resources, and capital. These aspects
can be used as a guide to improving the performance of BMT towards sustainability
of Islamic microfinance institutions through the acceleration of independent
regulations of BMT, optimizing the role and function of the supervision of the Sharia
Supervisory Board (DPS) of BMT, developing BMT institutional infrastructure,
increasing the capacity of BMT human resources managers, and strengthening BMT
capital resources. Further results of this study can be utilized to design the necessary
policies, to encourage the development of BMT, so that sustainability of BMT can be
widespread and reach as well as empower micro businesses.
PB  - UIN SUNAN KALIJAGA YOGYAKARTA
KW  - Sustainability
KW  -  LKMS
KW  -  BMT
M1  - doctoral
TI  - SUSTAINABILITAS LEMBAGA KEUANGAN MIKRO SYARIAH
AV  - restricted
ER  -