Factors determining the succesful performance of Baitul Maal Wat Tamwil in Indonesia : an empirical investigation /
aitul Maal wat Tamwil (BMT) has been considered a leading Islamic microfinance institution in Indonesia. The main objective of the establishment is to eradicate poverty and improve the social welfare of society by assisting the poor and micro-enterprises financially. However, despite the success sto...
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| Main Author: | |
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| Format: | Thesis |
| Language: | English |
| Published: |
Kuala Lumpur :
Kulliyyah of Economics and Management Sciences, International Islamic University Malaysia,
2021
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| Subjects: | |
| Online Access: | http://studentrepo.iium.edu.my/handle/123456789/10979 |
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| LEADER | 041050000a22004090004500 | ||
|---|---|---|---|
| 008 | 220418s2021 my f m 000 0 eng d | ||
| 040 | |a UIAM |b eng |e rda | ||
| 041 | |a eng | ||
| 043 | |a a-io--- | ||
| 084 | |a BPH683 | ||
| 100 | 1 | |a Dawami, Qasdan |9 5314 |e author | |
| 245 | 1 | |a Factors determining the succesful performance of Baitul Maal Wat Tamwil in Indonesia : |b an empirical investigation / |c by Qasdan Dawami | |
| 264 | 1 | |a Kuala Lumpur : |b Kulliyyah of Economics and Management Sciences, International Islamic University Malaysia, |c 2021 | |
| 300 | |a xiv, 184 leaves : |c 30 cm. | ||
| 336 | |2 rdacontent |a text | ||
| 337 | |2 rdamedia |a unmediated | ||
| 337 | |2 rdamedia |a computer | ||
| 338 | |2 rdacarrier |a online resource | ||
| 338 | |2 rdacarrier |a volume | ||
| 347 | |2 rdafft |a textfile |b PDF | ||
| 500 | |a Abstracts in English and Arabic. | ||
| 500 | |a "A dissertation submitted in fulfilment of the requirement for the degree of Master of Science (Finance)." --On title page. | ||
| 502 | |a Thesis (MSFIN)--International Islamic University Malaysia, 2021. | ||
| 504 | |a Includes bibliographical references (leaves 149-156). | ||
| 520 | |a aitul Maal wat Tamwil (BMT) has been considered a leading Islamic microfinance institution in Indonesia. The main objective of the establishment is to eradicate poverty and improve the social welfare of society by assisting the poor and micro-enterprises financially. However, despite the success story, several BMTs suffered failure and bankruptcy due to their inability to resolve existing problems such as a lack of capital structure of funding, inadequate human resources, and a lack of governance. Furthermore, the members of the BMT have relatively low income and a lack of business management skills. Hence, the purpose of the study is to determine key factors influencing the successful performance of the BMT in Indonesia. The study also aims to help the BMT managers reduce the risk of failure and enhance the chance of success in their business. This study is a field research with a mixed-method approach. In addition, this study employed triangulation as a data collection method through conducting semi-structured interviews with 3 directors of the BMTs and administering questionnaires to 225 employees of the BMTs. The quantitative data are analysed using several statistical test analyses such as reliability analysis, ANOVA, multiple regression analysis, F-test, and T-test, while the qualitative data use codification and thematic analysis. The findings exhibited five significant issues faced by the BMT in the operation and development in Indonesia, namely a lack of capital, loose regulations, inadequate human resources, a lack of understanding of Islamic transaction contracts, and a lack of financial technology. Moreover, the findings also pointed out that there are only three key factors of the successful performance of the BMT in Indonesia, namely the capital structure of funding, human resource adequacy, and product innovation. This study recommends the BMTs managers to keep practicing the seven principles of the BMTs, provide regular seminars and training programs to the staff and members, and provide more innovative products to fulfil the specific needs of the society. Keywords: Baitul Maal wat Tamwil, Islamic Microfinance, Poverty, Social Welfare, and Sustainability. | ||
| 655 | 7 | |a Theses, IIUM local | |
| 690 | |a Dissertations, Academic |x Department of Finance |z IIUM |9 5315 | ||
| 691 | |a Bayt al-mal |9 32396 | ||
| 691 | |a Banks and banking, Islamic |x Microfinance |9 32401 |z Indonesia | ||
| 700 | 0 | |a Dzuljastri Abdul Razak |e degree supervisor |9 5316 | |
| 700 | 0 | |a Hamdino Hamdan |e degree supervisor |9 5317 | |
| 710 | 2 | |a International Islamic University Malaysia. |b Department of Finance |9 5318 | |
| 856 | 4 | |u http://studentrepo.iium.edu.my/handle/123456789/10979 | |
| 900 | |a sz-asbh | ||
| 942 | |2 ICSI |c THESIS |n 0 | ||
| 999 | |c 500935 |d 533377 | ||
| 952 | |0 0 |1 0 |2 ICSI |4 0 |6 T B P H683 D00039 02021 |7 3 |8 IIUMTHESIS |9 969728 |a IIUM |b IIUM |c THESIS |d 2022-06-28 |g 0.00 |o t BPH 683 D39 2021 |p 11100429145 |r 1900-01-02 |t 1 |v 0.00 |y THESIS | ||