文章基本信息

标题：The Role of Islamic Microfinance Institution in Empowering Indonesian Fishing Communities
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作者：Azhar Alam ; Renaldi Sahrul Nizam ; Muhamad Taufik Hidayat 等
期刊名称：Universal Journal of Accounting and Finance
印刷版ISSN：2331-9712
电子版ISSN：2331-9720
出版年度：2021
卷号：9
期号：2
页码：178-183
DOI：10.13189/ujaf.2021.090205
语种：English
出版社：Horizon Research Publishing
摘要：There are still many fishing communities in Indonesia that live in poverty. That situation happens because they have been depending on moneylenders who provide high-interest rates. This study's focuses were: First, to reveal the role of Baitul Maal wa Tamwil (BMT) or Islamic Microfinance Institution (IMFI), which embrace fishermen by implementing the free late interest system. Second, to reveal the products of IMFI for the fishing community as a form of empowerment. This study was a descriptive qualitative with a case study method. Informants of this study consist of employees and clients of BMT Mandiri Sejahtera Jawa Timur in Blimbing (BMSB), Lamongan, Indonesia. Data collection techniques used were interview, observation, and documentation. The data analysis technique was interactive analysis consisting of data reduction, data presentation, and concluding. This study showed that: First, BMSB had a pretty good role, but not effective yet in empowering fishing communities. Second, BMSB only offered savings and mortgage financing products with Islamic principles. Third, BMSB did not foster a productive attitude toward fishermen in providing additional income.
关键词：Islamic Microfinance Institution;Empowerment;Fishermen