Economic Empowerment Of Women Costumers Through The Future Package Program (PMD) At BTPN Syariah MMS, Tanjung Balai Selatan District

Abstract

Abstract - The Future Package (PMD) financing product is a financing provided by Bank BTPN Syariah to poor people, especially women, to empower underprivileged families to have a better life using the Murabahah and Wakalah agreement. This research is the first to aim to analyze and describe the implementation of the The Future Package (PMD) program at BTPN Syariah MMS Bank, Tanjungbalai Selatan District in an effort to empower the economy of female customers. Second, to determine the impact on customers in Tanjungbalai Selatan District with the The Future Package (PMD) at Bank BTPN Syariah. The research approach used in this research is descriptive qualitative with data collection methods using observation, interviews, and documentation. The results of the study conclude that first, as a whole, 90% of BTPN Syariah Bank has carried out the stages of financing requirements in accordance with the provisions. However, there is a less than optimal role of companion given by Bank BTPN Syaariah (maintenance). Second, the Future Package (PMD) 80% has a positive impact on the welfare of female customers in Tanjungbalai Selatan District to improve the economy of both families and communities. Those who want to open a business and increase business capital are helped by the Future Package program, although there are some customers who have not felt the impact of the Future Package (PMD) because of the less than optimal role of the companion given to them. Keyword : Community Economic Empowerment, Murabahah, Wakalah, Paket Masa Depan (PMD).