ANALISIS POTENSI DAN KENDALA PENDIRIAN BAITUL MAAL WA TAMWIL (BMT) DI KECAMATAN KUANTAN TENGAH KABUPATEN KUANTAN SINGINGI

Abstract

ABSTRACT

 This research is motivated by the large number of MSME actors in Kuantan Tengah District with the majority of the community being Muslim. Furthermore, BMT does not yet exist in Kuantan Tengah District. This study aims to determine the Potential and Constraints of Establishing a BMT in Kuantan Tengah District. The population in this study was the people of Central Kuantan District, which amounted to 49,286 people, using the slovin formula, the researchers only took 44 people as samples. Furthermore, the data collection techniques used were observation, interviews and documentation. And the data were analyzed descriptively qualitatively by using SWOT analysis. The results of this study can be concluded that the potential for establishing BMTs in Kuantan Tengah District has the most micro-enterprises in Kuantan Tengah District, the majority of which are Muslims, then there are job opportunities for the people of Kuantan Tengah District, there are quite a number of Islamic educational institutions in Kuantan Tengah District. there is a need for capital for MSME actors who still lack capital in running their business, there is openness and support from the community who already know about BMT, and BMT has not yet been established in Kuantan Tengah District. Meanwhile, the obstacles to establishing a BMT in Kuantan Tengah District are that BMT is not yet popular among the public, the capital owned by BMT is still limited, then the system and procedures that regulate it are not standardized because BMT is still a cooperative legal entity, as well as the existence of competing financial institutions such as banking both conventional and sharia and cooperatives under the guise of moneylenders, and the lack of a sense of community responsibility in the process of paying installments of financing.

 Keywords: Potential and Constraints. Establishment of BMT, Kuantan District

 ABSTRAK

Penelitian ini dilatar belakangi oleh banyaknya pelaku UMKM di Kecamatan Kuantan Tengah dengan mayoritas masyarakat beragama Islam. Selanjutnya BMT belum ada berdiri di Kecamatan Kuantan Tengah. Penelitian ini bertujuan untuk mengetahui Potensi dan Kendala Pendirian BMT di Kecamatan Kuantan Tengah. Populasi dalam penelitian ini adalah Masyarakat Kecamatan Kuantan Tengah yang berjumlah 49,286 jiwa, dengan menggunakan rumus slovin maka peneliti hanya mengambil 44 orang sebagai sampelnya. Selanjutnya teknik pengumpulan data yang digunakan adalah Observasi, wawancara dan dokumentasi. Serta data dianalisa secara deskriptif kualitatif dengan menggunakan Analisis SWOT. Hasil penelitian ini dapat disimpulkan bahwa potensi pendirian BMT di Kecamatan Kuantan Tengah memiliki pelaku usaha mikro terbanyak di Kecamatan Kuantan Tengah yang mayoritas beragama Islam, kemudian ada peluang kerja bagi masyarakat Kecamatan Kuantan Tengah, adanya lembaga pendidikan Islam yang cukup banyak di Kecamatan Kuantan Tengah, selanjutnya ada kebutuhan modal bagi pelaku UMKM yang masih kekurangan modal dalam menjalankan usahanya, adanya keterbukaan dan dukungan masyarakat yang sudah mengetahui tentang BMT, serta belum berdiri BMT di Kecamatan Kuantan Tengah. Sedangkan Kendala pendirian BMT di Kecamatan Kuantan Tengah yaitu BMT belum populer dikalangan masyarakat, modal yang di miliki BMT masih terbatas, kemudain sistem dan prosedur yang mengatur belum baku karena BMT masih berbadan hukum koperasi, serta adanya lembaga keuangan pesaing seperti perbankan baik konvensional maupun syariah dan koperasi yang berkedok rentenir, dan kurangnya rasa tanggung jawab masyarakat dalam proses pembayaran angsuran pembiayaan.

Kata Kunci : Potensi dan Kendala, Pendirian BMT, Kecamatan Kuantan Tengah