Notwithstanding Baitul Maal wat Tamwil (BMT) has spread tremendously over the past three decades ... more Notwithstanding Baitul Maal wat Tamwil (BMT) has spread tremendously over the past three decades in Indonesia, some of them faced various obstacles that hamper their effectiveness and sustainability. While some of others sustained and developed well, even in the economic crisis conditions. Hence, this study aims to investigate the factors that determine the successful performance of BMT. This study is a field research with triangulation as a mixed method approach through semi-structured interviews and questionnaires. Whereby the empirical data were collected by means of conducting semi-structured interviews with 3 managers of the BMTs and administering questionnaires to 285 employees of the BMTs. This study examined five factors that influence the BMT performance, namely the capital structure of funding, the governance of the BMT, the human resource adequacy, the product innovation and the repayment of financing products. The results pointed that among the five selected factors, onl...
The challenge of mitigating poverty remains one of the greatest issues affecting humankind. The n... more The challenge of mitigating poverty remains one of the greatest issues affecting humankind. The number of people living in extreme poverty globally amounted to 736 million (UNDP, 2019). In Indonesia, the population living in poverty are in huge numbers amounting to, 25.95 million people (BPS, 2018). Despite of several schemes implemented by the government, the issues of poverty remains inevitable. The purpose of the study is to examine the structure of Baitul Maal Wat Tamwil institution (BMT) which has been playing a pivotal role in poverty alleviation since 1995 albeit facing some issues in its operations. It utilizes the concepts of Zakat, Infaq, Sadaqa and Waqf and Qardhul Hasan (ZISWAQ) which are based on Shariah principles. This study employed content analysis to evaluate the issues and effectiveness of BMT from previous studies and secondary sources. The results indicated that these concepts can indeed be used. However, there are operations issues and that BMT has to address s...
Journal of Islamic Business and Management (JIBM), 2021
Purpose: The main purpose of this study is to determine empirically the relationship between huma... more Purpose: The main purpose of this study is to determine empirically the relationship between human resource adequacy and the sustainability of BMT in Indonesia. Methodology: This study used a triangulation design as research method. The total number of 285 questionnaires were distributed manually to BMT staffs and analyzed using SPSS. In addition, this study also conducted semi-structured interviews with some managers of BMT. Findings: The study findings exhibited that the relationship between human resource adequacy the sustainability of BMTs was significance and positive relationship. Originality: This study revealed the impact of human resources on the sustainability of BMT, which to the authors’ knowledge has not been conducted empirically. Research Implications: This study recommends managers of BMT to strengthen human resources management through conducting some training programs in order to improve BMT sustainability
The purpose of this research is to investigate the pivotal determinants influencing the consumer’... more The purpose of this research is to investigate the pivotal determinants influencing the consumer’s preference towards the products and services of Islamic banking, apart from reviewing previous studies that considered perceived religiosity has an intense relationship with the individual’s intention and attitude. Moreover, this study also examines the direct relationship between the preference of customers and the Service quality offered by Islamic banks. This study utilized quantitative approach through conducting a survey to 60 students of International Islamic University Malaysia from various departments. Correlation and regression will be applied for data analysis. The result of the study indicated that the Attitude and the Service quality offered by Islamic banks are the major determinants influencing the customers’ behaviour towards Islamic banking. On the other hand, the Image of the bank and the Religiosity were determining insignificantly to the intentions of customers to ch...
Notwithstanding Baitul Maal wat Tamwil (BMT) has spread tremendously over the past three decades ... more Notwithstanding Baitul Maal wat Tamwil (BMT) has spread tremendously over the past three decades in Indonesia, some of them faced various obstacles that hamper their effectiveness and sustainability. While some of others sustained and developed well, even in the economic crisis conditions. Hence, this study aims to investigate the factors that determine the successful performance of BMT. This study is a field research with triangulation as a mixed method approach through semi-structured interviews and questionnaires. Whereby the empirical data were collected by means of conducting semi-structured interviews with 3 managers of the BMTs and administering questionnaires to 285 employees of the BMTs. This study examined five factors that influence the BMT performance, namely the capital structure of funding, the governance of the BMT, the human resource adequacy, the product innovation and the repayment of financing products. The results pointed that among the five selected factors, onl...
The challenge of mitigating poverty remains one of the greatest issues affecting humankind. The n... more The challenge of mitigating poverty remains one of the greatest issues affecting humankind. The number of people living in extreme poverty globally amounted to 736 million (UNDP, 2019). In Indonesia, the population living in poverty are in huge numbers amounting to, 25.95 million people (BPS, 2018). Despite of several schemes implemented by the government, the issues of poverty remains inevitable. The purpose of the study is to examine the structure of Baitul Maal Wat Tamwil institution (BMT) which has been playing a pivotal role in poverty alleviation since 1995 albeit facing some issues in its operations. It utilizes the concepts of Zakat, Infaq, Sadaqa and Waqf and Qardhul Hasan (ZISWAQ) which are based on Shariah principles. This study employed content analysis to evaluate the issues and effectiveness of BMT from previous studies and secondary sources. The results indicated that these concepts can indeed be used. However, there are operations issues and that BMT has to address s...
Journal of Islamic Business and Management (JIBM), 2021
Purpose: The main purpose of this study is to determine empirically the relationship between huma... more Purpose: The main purpose of this study is to determine empirically the relationship between human resource adequacy and the sustainability of BMT in Indonesia. Methodology: This study used a triangulation design as research method. The total number of 285 questionnaires were distributed manually to BMT staffs and analyzed using SPSS. In addition, this study also conducted semi-structured interviews with some managers of BMT. Findings: The study findings exhibited that the relationship between human resource adequacy the sustainability of BMTs was significance and positive relationship. Originality: This study revealed the impact of human resources on the sustainability of BMT, which to the authors’ knowledge has not been conducted empirically. Research Implications: This study recommends managers of BMT to strengthen human resources management through conducting some training programs in order to improve BMT sustainability
The purpose of this research is to investigate the pivotal determinants influencing the consumer’... more The purpose of this research is to investigate the pivotal determinants influencing the consumer’s preference towards the products and services of Islamic banking, apart from reviewing previous studies that considered perceived religiosity has an intense relationship with the individual’s intention and attitude. Moreover, this study also examines the direct relationship between the preference of customers and the Service quality offered by Islamic banks. This study utilized quantitative approach through conducting a survey to 60 students of International Islamic University Malaysia from various departments. Correlation and regression will be applied for data analysis. The result of the study indicated that the Attitude and the Service quality offered by Islamic banks are the major determinants influencing the customers’ behaviour towards Islamic banking. On the other hand, the Image of the bank and the Religiosity were determining insignificantly to the intentions of customers to ch...
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Papers by Qosdan Dawami