Baitul Mal Wat Tamwil Dan Inklusi Keuangan sebagai Solusi Keuangan Masyarakat Marginal
DOI:
https://doi.org/10.32493/amq.v3i1.51223Keywords:
Baitul Maal wat Tamwil, Ekonomi syariah, Inklusi keuangan, Kaum Marginal, Pemberdayaan ekonomiAbstract
Baitul Maal wat Tamwil (BMT) merupakan lembaga keuangan berbasis syariah yang mendukung inklusi keuangan dan pemberdayaan ekonomi di masyarakat marginal. Prinsip keadilan, solidaritas, dan keberlanjutan yang dianut BMT memungkinkan akses keuangan tidak hanya bagi umat Muslim menengah ke atas, tetapi juga bagi komunitas penduduk menengah ke bawah. Namun, implementasi BMT menghadapi tantangan berupa stigma eksklusivitas keuangan Islam, rendahnya literasi keuangan syariah di masyarakat, dan regulasi yang belum optimal. Tujuan penelitian ini adalah menganalisis bagaimana konsep multikulturalisme dapat diintegrasikan dalam operasional BMT sehingga mampu memperkuat posisinya sebagai model keuangan inklusif, serta mengidentifikasi tantangan dan strategi optimalisasi penerapannya. Metode penelitian yang digunakan adalah studi pustaka dengan pendekatan analisis deskriptif-kritis terhadap literatur akademik berupa jurnal, buku, dan laporan penelitian terkini yang relevan tentang multikulturalisme, ekonomi syariah, dan praktik BMT di masyarakat plural. Hasil kajian menunjukkan bahwa BMT memiliki potensi menjadi model keuangan inklusif yang efektif melalui strategi peningkatan literasi keuangan syariah, penguatan regulasi yang mendukung, integrasi teknologi keuangan (fintech).
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