BMT'S STRATEGY IN RESPONDING TO FINANCING BOTTLENECKS: A CASE STUDY IN THE GENDING BRANCH (DESCRIBING BMT'S RESPONSE, INTERNAL SOLUTIONS, AND HUMANIST APPROACH)

Abstract

This study aims to analyze the strategic efforts of BMT Maslahah, Gending Branch, in addressing financing bottlenecks. A descriptive qualitative approach was employed, utilizing observation, interviews, and document analysis as data collection techniques. The findings reveal that most financing bottlenecks occur within micro and small business sectors, which are particularly vulnerable to economic fluctuations and weak business registration systems. The contributing factors are both internal such as limited analytical capacity and human resources and external, including economic crises and rising raw material costs. The strategies implemented by BMT include persuasive approaches, financing restructuring, and enhanced monitoring mechanisms. However, these efforts face challenges related to limited human resources, client resistance, and insufficient technological adoption. The study recommends strengthening human resource capacity, implementing simple digitalization systems, and improving member education. Through a comprehensive and sustainable strategy, BMT can maintain institutional stability while reinforcing its pivotal role in advancing the sharia-based economic empowerment movement.