Analisis Ketahanan Keuangan dan Peran Strategis BMT Nusantara dalam Akselerasi Inklusi Keuangan Syariah bagi UMKM: Sebuah Tinjauan Literatur

Abdul Hamid; Suyono Suyono; Muh. Syarif

doi:10.55681/jige.v7i3.6371

Authors

Abdul Hamid Magister Manajemen Fakultas Ekonomi dan Bisnis Universitas Trunojoyo Madura
Suyono Magister Manajemen Fakultas Ekonomi dan Bisnis Universitas Trunojoyo Madura
Muh. Syarif Magister Manajemen Fakultas Ekonomi dan Bisnis Universitas Trunojoyo Madura

DOI:

https://doi.org/10.55681/jige.v7i3.6371

Keywords:

Sharia MSME Financing, Sharia Financial Inclusion, Financial Resilience

Abstract

Baitul Maal wat Tamwil (BMT) plays a strategic role as a frontline entity in narrowing the financial access gap for the "unbankable" population in Indonesia through personalized approaches and profit-sharing principles. However, this strategic position now faces disruptive challenges from the evolution of financial technology—such as digital banks and online lending—which are eroding the traditional market share of Sharia microfinance institutions. This article aims to comprehensively evaluate the financial resilience of BMT Nusantara and map its strategic role in accelerating Sharia financial inclusion, particularly within the Micro, Small, and Medium Enterprise (MSME) sector. The study employs a qualitative approach utilizing a systematic literature review of reputable scholarly articles to provide an in-depth picture of empirical realities. The findings indicate that BMTs' primary competitive advantage lies in emotional proximity, local rootedness, and the internalization of spiritual values—such as *qana’ah* (contentment)—which foster a sense of security and high trust among local clients; these attributes are difficult for modern digital platforms to replicate. Furthermore, the effectiveness of MSME empowerment is driven by the integration of flexible capital provision and intensive business mentoring to mitigate business risks. The study concludes that to ensure long-term resilience, BMTs must reposition their business models by adopting digital technology and enhancing human resource competencies, all while preserving their social identity as empowerment institutions. Practically, this research offers a strategic framework for BMT Nusantara to undergo a sustainable transformation into a resilient and efficient Sharia microfinance institution that retains the trust of the broader community amidst the dynamic competition of the digital economy era.

Downloads

Download data is not yet available.

References

Albar, A. S., & Rachmad, D. (2025). “Strategi manajemen islami untuk keberlanjutan bmt di era digital: studi literatur.” Rayah Al-Islam, 9(4), 638–657.

Alkhawarizmi, M. U. A. (2026). “Analisis Keamanan dan Kepercayaan Anggota terhadap Layanan Simpan Pinjam di BMT Maslahah Maron.” RIGGS: Journal of Artificial Intelligence and Digital Business, 4(4), 1704–1711.

Ananda, B. K. (2025). “Kesenjangan Dan Perlindungan Hukum Nasabah BMT Di Indonesia: Systematic Literature Review.” Al-Faruq: Jurnal Hukum Ekonomi Syariah Dan Hukum Islam, 4(2), 89–112.

Aprilia, H. M., & Sisdianto, E. (2024). “Peran teknologi informasi dalam meningkatkan transparansi dan akuntabilitas laporan keuangan bank syariah.” Jurnal Media Akademik (JMA), 2(12), 132–144.

Ar-Rifa’I, F. A. (2025). “Pemetaan Penelitian Pembiayaan di Baitul Mal wat Tamwil: Studi Bibliometrik VOSviewer dan Literature Review.” Velocity: Journal of Sharia Finance and Banking, 5(2), 197–213.

Budianto, E. W. H. (2022). “Pemetaan Penelitian Seputar Akad Musyarakah pada Lembaga Keuangan Syariah: Studi Bibliometrik VOSviewer dan Literature Review.” JESI (Jurnal Ekonomi Syariah Indonesia), 12(1), 25–36.

Djalaluddin, A., & Mumpuni, D. (2020). “Riba versus sedekah sebagai konsideran tazkiyah akuntansi dan bisnis.” Jurnal Akuntansi Multiparadigma, 11(3), 450–478.

Fahmi, F., & Ar-Rifa’I, A. (2025). “Pemetaan Penelitian Pembiayaan di Baitul Mal wat Tamwil: Studi Bibliometrik VOSviewer dan Literature Review.” Velocity: Journal of Sharia Finance and Banking, 5(2), 197–213.

Faruq, U., & Jennah, N. (2023). “Pengaruh Kualitas Pelayanan dan Kualitas Produk Terhadap Keputusan Menabung pada Produk Tabungan Mudharabah di KSPPS BMT NU Cabang Camplong.” Mabny: Journal of Sharia Management and Business, 3(1), 22–34.

Ghofur, U. (2024). “Systematic Literature Review (SLR) Peran Asuransi Syariah dalam Membantu Perkembangan UMKM.” Jurnal Ekonomi Aktual, 3(3), 97–104.

Hakim, L. N. (2024). “Peran Budaya Organisasi sebagai Pemoderasi terhadap Motivasi dan Kepemimpinan Transformasional dalam Kinerja Karyawan: Tinjauan Literatur.” Jurnal Gentiaras Manajemen Dan Akuntansi, 16(1), 96–110.

Hartono, J. (2025). “Analisis Kepuasan Anggota Terhadap Kualitas Interaksi Pelayanan di BMT NU Cabang Leces Probolinggo.” Menulis: Jurnal Penelitian Nusantara, 1(3), 40–43.

Jain, A. G., & Elmariah, H. (2022). “BMT for myelodysplastic syndrome: when and where and how.” Frontiers in Oncology, 15(6), 147–159.

Khaer, R., & Firmansyah, A. (2023). “Meta-Analysis Of Wakaf Based Sharia Microfinance Institutions: Meta-Analysis Lembaga Keuangan Mikro Syariah Berbasis Wakaf.” Perisai: Islamic Banking and Finance Journal, 7(2), 237–254.

Macoy, K., & Hana, U. A. (2025). “Perlindungan Konsumen dalam Transaksi Dagang di Era Digital.” Jurnal BANSI (Bisnis, Manajemen Dan Akuntasi), 5(2), 154–166.

Marianingsih, I., & Hidayat, A. R. (2025). “KONTRIBUSI TEAMWORK DALAM MENINGKATKAN EFISIENSI OPERASIONAL DAN PROFITABILITAS CABANG BMT.” ESA, 7(2), 148–157.

Modja, I. W. A., & Angga, A. A. (2025). “Perlindungan Hukum Kepada Nasabah Pada Aktivitas Transaksi Di Aplikasi Pinjaman Online.” Jurnal Media Akademik (JMA), 3(9), 179–189.

Monalisa, A., & Sunarti, G. (2024). “Human Resource Management of Baitul Maal wat Tamwil in the Digital: Challenges and Opportunities.” Jurnal Kajian Manajemen Dakwah, 6(2), 106–116.

Mukaromah, L. A. (2025). “Model Interkoneksi Nilai Islam, Regulasi Sosial, Dan Tradisi Kesehatan Melalui Kuliah Tamu Internasional: Penguatan Kesadaran Kritis Mahasiswa Uis Malaysia.” Journal of Research Applications in Community Service, 4(4), 153–168.

Mulyana, I. (2024). “Sinergi Antara Bank Syariah dan P2P Lending Fintech dalam Meningkatkan Akses Pembiayaan bagi UMKM di Jawa Barat: Analisis Systematic Literature Review (SLR).” Jurnal Hukum Ekonomi Syariah, 3(2), 40–45.

Oktaviany, M., & Syintatoro, M. (2026). “Integrasi Program Pemberdayaan dan Pembiayaan Syariah dalam Membangun Kemandirian UMKM BMT Bina Ummat Sejahtera (Jakarta/Montong).” IMANIF: Islamic Economics, Management, and Finance Journal, 1(1), 46–59.

Ramadhani, N. R., & Rahman, T. (2025). “MARKETING STRATEGIES OF BMT IN EFFORTS TO INCREASE THE NUMBER OF CUSTOMERS: A SYSTEMATIC LITERATURE REVIEW.” Jurnal Ilmiah Al-Tsarwah, 8(1), 14–25.

Rasidi, M., & Arifin, M. S. (2020). “Pengaruh kualitas pelayanan terhadap loyalitas nasabah dengan kepuasan sebagai variabel intervening pada BMT Kampoeng Syariah.” KEADABAN: Jurnal Sosial Dan Humaniora, 1(5), 177–185.

Saidy, E. N. (2025). “REKONSEPTUALISASI PERAN INTERMEDIASI PERBANKAN SYARIAH DALAM PEMBERDAYAAN EKONOMI UMAT: TINJAUAN SISTEMATIS PENDEKATAN PEMBIAYAAN MIKRO DI INDONESIA.” Sipakainge: Inovasi Penelitian, Karya Ilmiah, Dan Pengembangan (Islamic Science), 3(3), 106–144.

Sutianingsih, S. (2025). “Strategi Re-Positioning dan Digitalisasi Pemasaran untuk Peningkatan Nilai Tambah Produk Susu Kambing di Akbar Jaya Farm Kudus Jawa Tengah.” JANAKA: JURNAL PENGABDIAN MASYARAKAT KEWIRAUSAHAAN INDONESIA, 6(2), 68–75.