Peran Baitul Maal Wa Tamwil (BMT) Usaha Gabungan Terpadu (UGT) Sidogiri Dalam Pemberdayaan Pedagang Mikro

Abstract

Capital is one of the problems faced by micro traders. The presence of BMT is a solution for those who need capital assistance to develop a business, so it needs a direct role from BMT. This study aims to determine the financing mechanism in BMT UGT Sidogiri Cabang Jombang and to know the role of BMT UGT Sidogiri Cabang Jombang in empowering micro traders. The research method used is descriptive analysis method. Data collection techniques used are observation, interviews, and documentation. The results of this study indicate that 1) the financing mechanism in BMT UGT Sidogiri Cabang Jombang is very easy and fast by going through several stages, namely the applicant proposes financing by meeting the requirements, then analysis and survey will be carried out. After submission in acc, the next stage is he contract process and the disbursement process. 2) The role of BMT UGT Sidogiri Cabang Jombang in empowering micro traders is by providing capital assistance through financing. In addition to financing, BMT UGT Sidogiri Cabang Jombang also provides financing but has not been maximized, namely only as an initiative in the form of providing motivations to traders.