Peran Baitul Maal Wa Tamwil (BMT) Dalam Membangun Ekonomi Inklusif

Abstract

This study examines the role of Baitul Maal wat Tamwil (BMT) in building an inclusive economy in Indonesia with a focus on its contribution in providing financial access to low-income communities and MSME actors who are not served by formal financial institutions. The purpose of this study is to understand the extent to which BMTs can expand financial inclusion, identify the challenges faced by BMTs in their operations, and evaluate their impact on community welfare and the reduction of economic disparities. The research method used is descriptive qualitative with secondary data analysis from journals, annual reports, and other relevant documents. The results of the study are expected to provide an in-depth understanding of the effectiveness of BMTs in promoting more inclusive economic growth as well as recommendations for optimizing the role of BMTs in achieving social welfare.