De-Ideologization of Baitul Maal Rasulullah From Social Financial Institution to Financial Business Institution

A. Muh.  Nursyahid; Dedy  Rachmad

doi:10.36378/internationalconferenceuniks.v3i1.4812

A. Muh. Nursyahid Universitas Tazkia Bogor
Dedy Rachmad Universitas Tazkia Bogor

DOI: https://doi.org/10.36378/internationalconferenceuniks.v3i1.4812

Keywords: Baitul Maal, BMT, De-Ideologization, Islamic Economics, Microfinance.

Abstract

This research critically analyzes the phenomenon of de-ideologization in Baitul Maal wat-Tamwil (BMT) in Indonesia. Starting from the ideal of Baitul Maal Rasulullah SAW as a socio-religious financial institution based on the destruction of riba and the proliferation of sadaqa (QS. Al-Baqarah [2]: 276), BMT now tends to transform into a microfinance business entity. The shift in BMT's orientation towards profitability, practices perceived by the public as deviating from Islamic socio-financial principles, as well as conditions of stunted growth and minimal national contribution, are strong indicators of this de-ideologization. This impacts public trust and distances BMT from the Qur'anic ideology brought by Rasulullah. These findings emphasize the urgency of revitalizing the ideology of Baitul Maal in BMT operations to restore the trust of the ummah and realize a just contribution to Islamic economics.

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