IMPLEMENTATION OF SYARIAH ECONOMIC PRINCIPLES IN FINANCIAL MANAGEMENT AT BMT AL FALAH BERKAH SEJAHTERA
Keywords:
BMT Al Falah Berkah Sejahtera, Islamic economics, financial management, Islamic financing, financial literacy.Abstract
This study aims to analyze the implementation of sharia economic principles in financial management practices at BMT Al Falah Berkah Sejahtera. In the context of the increasing need for an ethical and Islamic value-based financial system, BMT as a sharia microfinance institution has an important role in realizing financial inclusion and community empowerment. This study uses a qualitative approach with literature study methods and documentation analysis to gain an in-depth understanding of the application of sharia values, such as justice, transparency and usury violations and the challenges faced by institutions in their practices. The results of this study indicate that BMT Al Falah Berkah Sejahtera has implemented sharia principles through a profit-sharing financing scheme, the establishment of a Sharia Supervisory Board, and community economic empowerment programs. However, challenges such as low literacy, regulatory dynamics, and competition with conventional institutions are still obstacles that need to be overcome. This study concludes that the success of implementing sharia principles is determined by the synergy between institutional commitment, value alignment and strategic innovation in facing changes in the external environment.
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