Peran Lembaga Keuangan Syariah di BMT NU Jombang dalam Meningkatkan Inklusi Keuangan dan Pemberdayaan UMKM

Studi Kualitatif di Wilayah Jombang

Abstract

Access to formal financial services remains a major challenge for MSMEs, particularly in rural areas such as Jombang. This gap leads to limited business capital and low financial literacy. On the other hand, Islamic microfinance institutions such as BMT NU Jombang hold great potential to bridge this financial inclusion gap and empower MSMEs sustainably.

This study employs a qualitative approach using a case study method. The theoretical framework is based on the concepts of Islamic financial inclusion, community-based economic empowerment, and the social intermediation function of microfinance institutions. Data were collected through in-depth interviews, field observations, and documentation involving BMT managers and MSME beneficiaries.

The findings indicate that BMT NU Jombang plays an active role in providing sharia-compliant financing, business management training, and financial literacy education. The uniqueness of this study lies in identifying a collaborative model between BMT and the local community, which not only improves financial access but also fosters the economic independence of the ummah. This research offers an institutional approach rooted in sharia values as a contextual inclusive strategy for strengthening MSMEs in rural areas.