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Analisis Manajemen Pengelolaan Zakat: Analysis of Zakat Management
Get PDFThis research aims to analyze the management of zakat (Islamic almsgiving) at BAZNAS (National Amil Zakat Agency) in Magelang District, focusing on the processes of zakat collection and distribution from muzakki (zakat payer) to mustaḥik (zakat recipient). Employing a qualitative method, this study utilizes both primary and secondary data. The findings reveal adherence to prevailing legal regulations in zakat management at BAZNAS in Magelang District. Planning involves budgeting in the Annual Zakat Collection and Distribution Plan (RKAT) and conducting awareness campaigns to enhance zakat payment consciousness. Organizational structure aligns with the Magelang District Chief's decree, while implementation comprises zakat collection and distribution phases. The majority of zakat funds are sourced from civil servants (ASN) in Magelang District and distributed among 8 beneficiary groups. Supporting factors in zakat management include official directives from the Magelang District Chief, contributions from village officials, and the success of developmental initiatives in zakat collection. However, there are inhibiting factors such as the rise in retired civil servants (ASN) and the transfer of supervision of state high schools from the district government to the provincial government
Dinamika Penghimpunan Zakat : Peluang dan Tantangan di LAZISMU
Get PDFThis study aims to analyze the effectiveness of zakat collection at the Muhammadiyah Zakat Management Institution (LAZISMU) Pinrang District Service Office, as well as to identify opportunities and challenges faced in the process. The method used is a qualitative approach with field research based on phenomenology. Data was collected through observation, in-depth interviews with managers, staff, and donors of LAZISMU, as well as document analysis. The results of the study indicate that zakat fund collection at LAZISMU Pinrang District has increased from 2022 to 2023, supported by strategies such as socialization, utilization of social media, zakat pickup services, and bank transfers. However, the effectiveness of fund collection still faces challenges such as limited human resources, lack of public understanding about zakat, and the tendency of zakat contributors to distribute zakat directly to beneficiaries. Efforts to address these issues include enhancing outreach, increasing and improving the quality of human resources, and building public trust to channel zakat through LAZISMU. The implications of this study emphasize the importance of continuous education for the public on zakat distribution through trusted institutions and enhancing the capacity of human resources at LAZISMU to optimize zakat fund collection and management. These findings can serve as a foundation for LAZISMU and other zakat institutions in designing more effective zakat fund collection strategies to enhance community welfare.Penelitian ini bertujuan untuk menganalisis efektivitas penghimpunan dana zakat pada Lembaga Amil Zakat Muhammadiyah (LAZISMU) Kantor Layanan Kabupaten Pinrang, serta mengidentifikasi peluang dan tantangan yang dihadapi dalam proses tersebut. Metode yang digunakan adalah pendekatan kualitatif dengan jenis penelitian lapangan (field research) berlandaskan fenomenologi. Data dikumpulkan melalui observasi, wawancara mendalam dengan pengelola, staf, dan donatur LAZISMU, serta studi dokumentasi. Hasil penelitian menunjukkan bahwa penghimpunan dana zakat di LAZISMU Kabupaten Pinrang mengalami peningkatan dari tahun 2022 ke 2023, didukung oleh strategi sosialisasi, pemanfaatan media sosial, layanan jemput zakat, dan transfer rekening. Namun, efektivitas penghimpunan masih menghadapi tantangan berupa keterbatasan sumber daya manusia, kurangnya pemahaman masyarakat tentang zakat, serta kecenderungan muzakki menyalurkan zakat secara langsung kepada mustahik. Upaya mengatasi problematika ini dilakukan melalui peningkatan sosialisasi, penambahan dan peningkatan kualitas SDM, serta membangun kepercayaan masyarakat agar menyalurkan zakat melalui LAZISMU. Implikasi penelitian ini menekankan pentingnya edukasi berkelanjutan kepada masyarakat tentang penyaluran zakat melalui lembaga terpercaya dan peningkatan kapasitas SDM di LAZISMU untuk mengoptimalkan penghimpunan dan pengelolaan dana zakat. Temuan ini dapat menjadi dasar bagi LAZISMU dan lembaga zakat lainnya dalam merancang strategi penghimpunan dana zakat yang lebih efektif demi meningkatkan kesejahteraan masyarakat. (Kata kunci: efektivitas, penghimpunan zakat, LAZISMU, strategi, tantangan)
POTENSI PANTAI AL-FATH STIRA PARADISE SEBAGAI DESTINASI WISATA DI KAMPUNG SERANG
Get PDFThis study discusses the potential of Al-fath Stira Paradise beach as a Sharia tourism destination based on the formulation of the problem, namely (1). What is the form of the potential of Al-fath Stira Paradise beach as a tourist destination in Kampung Serang, Pinrang Regency, (2). What are Al-fath Stira Paradise's efforts in supporting the tourism sector in Pinrang Regency, (3). What is the review of sharia tourism on the potential and role of Al-fath Stira Paradise in Kampung Serang, Pinrang Regency. The purpose of this study (1). To identify the form of the potential of Al-fath Stira Paradise beach as a tourist destination in Kampung Serang, Pinrang Regency, (2). To confirm Al-fath Stira Paradise's efforts in supporting the tourism sector in Pinrang Regency, (3). To analyze the review of sharia tourism on the potential and role of Al-fath Stira Paradise in Kampung Serang, Pinrang Regency. The type of research used is qualitative using a phenomenological approach, primary and secondary data types obtained by observation, interviews, documentation and literature studies. While the data processing techniques are observation techniques, interview techniques, and documentation techniques. The focus of this study is to focus on the potential of Al-fath Stira Paradise beach as a tourist destination in Serang Village, Pinrang Regency, Al-fath Stira Paradise's efforts to support the tourism sector in Pinrang Regency, a review of sharia tourism on the potential and role of Al-fath Stira Paradise in Serang Village, Pinrang Regency. The results of this study indicate that Al-fath Stira Paradise Beach has potential, in the form of natural/marine potential and man-made potential, to support this tourism into a sustainable tourism sector requires serious development and focus on goals, Al-fath Stira Paradise beach tourism is worthy of developing into sharia tourism by meeting the requirements/criteria of the OIC (Organization of Islamic Conference) formulation and in accordance with Islamic law.This study discusses the potential of Al-fath Stira Paradise beach as a Sharia tourism destination based on the formulation of the problem, namely (1). What is the form of the potential of Al-fath Stira Paradise beach as a tourist destination in Kampung Serang, Pinrang Regency, (2). What are Al-fath Stira Paradise's efforts in supporting the tourism sector in Pinrang Regency, (3). What is the review of sharia tourism on the potential and role of Al-fath Stira Paradise in Kampung Serang, Pinrang Regency. The purpose of this study (1). To identify the form of the potential of Al-fath Stira Paradise beach as a tourist destination in Kampung Serang, Pinrang Regency, (2). To confirm Al-fath Stira Paradise's efforts in supporting the tourism sector in Pinrang Regency, (3). To analyze the review of sharia tourism on the potential and role of Al-fath Stira Paradise in Kampung Serang, Pinrang Regency. The type of research used is qualitative using a phenomenological approach, primary and secondary data types obtained by observation, interviews, documentation and literature studies. While the data processing techniques are observation techniques, interview techniques, and documentation techniques. The focus of this study is to focus on the potential of Al-fath Stira Paradise beach as a tourist destination in Serang Village, Pinrang Regency, Al-fath Stira Paradise's efforts to support the tourism sector in Pinrang Regency, a review of sharia tourism on the potential and role of Al-fath Stira Paradise in Serang Village, Pinrang Regency. The results of this study indicate that Al-fath Stira Paradise Beach has potential, in the form of natural/marine potential and man-made potential, to support this tourism into a sustainable tourism sector requires serious development and focus on goals, Al-fath Stira Paradise beach tourism is worthy of developing into sharia tourism by meeting the requirements/criteria of the OIC (Organization of Islamic Conference) formulation and in accordance with Islamic law
Pola Mata Pencaharian Tradisional Dalam Masyarakat Kajang Studi Etnografi Tentang Kesejahteraan Ekonomi
Get PDFThis study was conducted to analyze and identify how the traditional livelihood patterns are carried out by the Kajang community, as one of the communities that still maintains the form of local wisdom that it has, so research becomes a form of study to provide an overview of the traditional livelihood patterns of the community and how they are able to utilize natural resources as basic livelihood materials or in meeting daily needs. The writing of this article is intended to find out how the livelihood patterns of the Kajang tribe are in identifying the level of welfare owned by each individual in the community, and also the urgency regarding the role of each community not only in the economic field but also social, cultural, and also government in the Kajang community with a fairly complex pattern. This study uses a qualitative approach based on ethnography to explain and analyze individual or group phenomena, events, social dynamics, attitudes, beliefs, and perceptions. So that through the process of identification and analysis, it can produce structured and relevant research in accordance with the data collected regarding the level of welfare of the Kajang tribe through their livelihood patterns.Penelitian ini dilakukan untuk menganalisis dan mengidentifikasi bagaimana pola mata pencaharian tradisional yang dijalankan oleh masyarakat Kajang, sebagai salah satu masyarakat yang masih mempertahankan bentuk kearifan lokal yang dimilikinya, maka penelitian menjadi suatu bentuk kajian untuk memberikan gambaran tentang pola mata pencaharian tradisional masyarakat tersebut dan bagaimana mereka mampu memanfaatkan sumber daya alam sebagai bahan mata pencaharian pokok atau dalam memenuhi kebutuhan sehari-hari. Penulisan artikel ini dimaksudkan untuk mengetahui bagaimana pola mata pencaharian suku Kajang dalam mengidentifikasi tingkat kesejahteraan yang dimiliki oleh masing-masing individu dalam masyarakat, dan juga urgensi mengenai peran masing-masing masyarakat tidak hanya dalam bidang ekonomi tetapi juga sosial, budaya, dan juga pemerintahan pada masyarakat Kajang dengan pola yang cukup kompleks. Penelitian ini menggunakan pendekatan kualitatif berbasis etnografi untukmenjelaskan dan menganalisis fenomena, peristiwa, dinamika sosial, sikap, keyakinan, dan persepsi individu atau kelompok. Sehingga melalui proses identifikasi dan analisis, dapat menghasilkan penelitian yang terstruktur dan relevan sesuai dengan data yang dikumpulkan mengenai tingkat kesejahteraan suku Kajang melalui pola mata pencahariannya.
 
Optimalisasi Pengelolaan Pantai Lowita
Get PDFOptimal management of Lowita Beach can increase the flow of tourist visits. Several problems in the development of Lowita Beach tourism. First, waste management is not optimal, second, supporting facilities are inadequate, third, related to the application of sharia principles in the Lowita Beach area. So this study aims to determine the form of management at Lowita Beach which includes planning, implementation, evaluation, and review of sharia tourism towards optimizing management at Lowita Beach. This type of research is descriptive qualitative research that describes the situation at Lowita Beach. The types of primary and secondary data obtained through observation, interviews, documentation studies, and from reading sources. The focus of this study is on optimizing the management of Lowita Beach as a tourist destination in Suppa District, Pinrang Regency, which is reviewed from the perspective of sharia tourism. The results of the study Optimizing the management of Lowita Beach show 1) The planning of Lowita Beach management has planned several things in destination development including: Improving facilities and infrastructure, adding rides, and cleaning the environment. Intended to develop and make improvements in order to increase tourist visits to Lowita Beach. 2) The management of Lowita Beach has implemented various efforts, programs, and policies in developing tourist destinations in Lowita Beach. Namely the construction and development of infrastructure, promotion, improving environmental quality, and developing Human Resources. 3) Evaluation conducted by the Department of Tourism, Youth and Sports of Pinrang Regency. Waste management is a major problem in developing tourist destinations in Lowita Beach. 4) From the review of Sharia Tourism related to the principles of developing sharia tourism in Lowita Beach, it has fulfilled several principles so that Lowita Beach can be used as a tourism with a sharia concept in the future with various improvements, because the development of sharia tourism destinations requires readiness of human resources and requires seriousness and concentration, as well as optimal support from various parties.Pengelolaan Pantai Lowita yang optimal dapat meningkatkan arus kunjungan wisatawan. Beberapa permasalahan dalam pengembangan wisata Pantai Lowita. Pertama pengelolaan sampah yang belum optimal, kedua fasilitas pendukung yang kurang memadai, ketiga terkait penerapan prinsip syariah di kawasan Pantai Lowita. Sehingga penelitian ini bertujuan untuk mengetahui bentuk pengelolaan di Pantai Lowita yang meliputi perencanaan, pelaksanaan, evaluasi, serta tinjauan pariwisata syariah terhadap optimalisasi pengelolaan di Pantai Lowita. Jenis penelitian ini adalah penelitian kualitatif deskriptif yang menggambarkan situasi yang ada di Pantai Lowita. Jenis data primer dan sekunder yang diperoleh melalui observasi, wawancara, studi dokumentasi, serta dari sumber-sumber bacaan. Adapun fokus penelitian ini adalah pada pengoptimalisasian dalam pengelolaan Pantai Lowita sebagai destinasi wisata di Kecamatan Suppa Kabupaten Pinrang, yang ditinjau dari Perspektif pariwisata syariah. Hasil penelitian Optimalisasi pengelolaan Pantai Lowita menunjukkan 1) Perencanaan pengelolaan Pantai Lowita telah merencanakan beberapa hal dalam pengembangan destinasi diantaranya: Perbaikan sarana dan prasarana, penambahan wahana, dan pembersihan lingkungan. Ditujukan untuk mengembangkan dan melakukan perbaikan guna untuk meningkatkan kunjungan wisatawan di Pantai Lowita. 2) Pengelolaan Pantai Lowita telah melaksanakan berbagai upaya, program, serta kebijakan dalam mengembangkan destinasi wisata yang ada di Pantai Lowita. Yaitu pembangunan dan pengembangan infrastruktur, promosi, peningkatan kualitas lingkungan, pengembangan Sumber Daya Manusia. 3) Evaluasi yang dilakukan oleh Dinas Pariwisata Pemuda dan Olahraga Kabupaten Pinrang. Pengelolaan sampah menjadi masalah utama dalam mengembangkan destinasi wisata yang ada di Pantai Lowita. 4) Dari tinjauan Pariwisata Syariah terkait prinsip-prinsip pengembangan wisata syariah di Pantai Lowita telah memenuhi beberapa prinsip sehingga Pantai lowita dapat dijadikan sebagai wisata dengan konsep syariah kedepannya dengan berbagai perbaikan, karena pengembangan destinasi wisata syariah diperlukan kesiapan sumber daya manusia dan memerlukan keseriusan dan konsentrasi, serta dukungan yang optimal dari berbagai pihak
Dinamika Pola Komunikasi Keluarga dalam Pemberian Nafkah: Studi Khuruj Jamaah Tabligh
Get PDFThis study aims to identify the dynamics of family communication patterns in providing sustenance during the implementation of khuruj by members of Jamaah Tabligh at the Al-Ittihad Labatu Mosque, Labukkang Village, Ujung District, Parepare City. This study also examines the impact of khuruj on the provision of sustenance, both physically and mentally, and how family communication patterns are maintained despite physical separation. A qualitative approach with a descriptive case study design was used in this study. Data were collected through in-depth interviews and participatory observations of Jamaah Tabligh family members involved in khuruj. The findings of the study indicate that family communication, which includes deliberation and communication based on religious values, plays a significant role in maintaining household harmony even though the husband leaves the family for a certain period of time. The provision of sustenance that is material and emotional shows that despite limited communication, religious values and understanding between family members can maintain relationship stability and reduce the potential for conflict. This study is expected to provide practical guidance for the Jamaah Tabligh community in managing family communication during khuruj.Penelitian ini bertujuan untuk mengidentifikasi dinamika pola komunikasi keluarga dalam pemberian nafkah selama pelaksanaan khuruj oleh anggota Jamaah Tabligh di Masjid Al-Ittihad Labatu, Kelurahan Labukkang, Kecamatan Ujung, Kota Parepare. Penelitian ini juga mengkaji dampak khuruj terhadap pemberian nafkah, baik secara lahir maupun batin, serta bagaimana pola komunikasi keluarga terjaga meskipun terjadi perpisahan fisik. Pendekatan kualitatif dengan desain studi kasus deskriptif digunakan dalam penelitian ini. Data dikumpulkan melalui wawancara mendalam dan observasi partisipatif terhadap anggota keluarga Jamaah Tabligh yang terlibat dalam khuruj. Temuan penelitian menunjukkan bahwa komunikasi keluarga, yang meliputi musyawarah dan komunikasi berbasis nilai agama, berperan signifikan dalam menjaga keharmonisan rumah tangga meskipun suami meninggalkan keluarga untuk waktu tertentu. Pemberian nafkah yang bersifat material dan emosional menunjukkan bahwa meskipun terbatasnya komunikasi, nilai-nilai keagamaan dan kesepahaman antar anggota keluarga dapat mempertahankan stabilitas hubungan dan mengurangi potensi konflik. Penelitian ini diharapkan memberikan panduan praktis bagi komunitas Jamaah Tabligh dalam mengelola komunikasi keluarga selama khuruj
Seeking Alternative of Trademark Cancellation in Indonesia: From Trademark Law to Religious Ethical Corporative Theory: Indonesia
Get PDFBackground: Trademark disputes in Indonesia often arise due to similarity in principle (persamaan pada pokoknya) and bad faith registration, as regulated under Law No. 20 of 2016 on Trademarks and Geographical Indications. However, Indonesia’s legal framework lacks clarity in protecting famous marks, preventing dilution, and ensuring procedural fairness in cancellation cases. A comparative analysis with Germany’s Markengesetz (Trademark Act) and an ethical assessment through Religious ethical Corporative Theory reveal critical gaps in Indonesia’s approach
Purpose: This study aims to analyze the legal, economic, and ethical implications of trademark cancellation in Indonesia, comparing its framework with Germany’s trademark system while incorporating Islamic corporate responsibility principles
Methods: The research employs normative legal analysis, integrating statutory interpretation, comparative legal research, and doctrinal analysis. Primary sources include Indonesian and German trademark laws, while secondary sources consist of journal articles, case law, and intellectual property treaties. The study also applies Religious ethical Corporative Theory to examine the moral and reputational consequences of bad faith trademark practices.
Results: The study finds that Indonesia’s trademark cancellation system lacks procedural safeguards, particularly in protecting famous marks against dilution and bad faith registration. Unlike Germany’s Markengesetz, which establishes strict criteria for likelihood of confusion and dilution, Indonesia's legal provisions remain vague, leading to inconsistent enforcement and potential legal exploitation by multinational corporations. Additionally, from an Islamic corporate ethics perspective, bad faith trademark registration is not only a legal violation but also a breach of business accountability (Mas’uliyyah tijariyyah), warranting both legal and ethical remedies.
Implication: This study provides three key contributions: (1) A comparative legal analysis demonstrating the need for stronger trademark protection mechanisms in Indonesia; (2) Integration of Islamic corporate ethics, highlighting moral accountability beyond legal compliance; and (3) Policy recommendations, urging Indonesia to adopt clearer evidentiary standards, align with international trademark regimes, and implement ethical accountability frameworks. By bridging legal, economic, and ethical perspectives, this study offers a novel framework for analyzing trademark disputes in emerging markets.
Originality: Integration of Islamic corporate ethics, highlighting moral accountability beyond legal compliance
Background: Trademark disputes in Indonesia often arise due to similarity in principle (persamaan pada pokoknya) and bad faith registration, as regulated under Law No. 20 of 2016 on Trademarks and Geographical Indications. However, Indonesia’s legal framework lacks clarity in protecting famous marks, preventing dilution, and ensuring procedural fairness in cancellation cases. A comparative analysis with Germany’s Markengesetz (Trademark Act) and an ethical assessment through Religious ethical Corporative Theory reveal critical gaps in Indonesia’s approach
Purpose: This study aims to analyze the legal, economic, and ethical implications of trademark cancellation in Indonesia, comparing its framework with Germany’s trademark system while incorporating Islamic corporate responsibility principles
Methods: The research employs normative legal analysis, integrating statutory interpretation, comparative legal research, and doctrinal analysis. Primary sources include Indonesian and German trademark laws, while secondary sources consist of journal articles, case law, and intellectual property treaties. The study also applies Religious ethical Corporative Theory to examine the moral and reputational consequences of bad faith trademark practices.
Results: The study finds that Indonesia’s trademark cancellation system lacks procedural safeguards, particularly in protecting famous marks against dilution and bad faith registration. Unlike Germany’s Markengesetz, which establishes strict criteria for likelihood of confusion and dilution, Indonesia's legal provisions remain vague, leading to inconsistent enforcement and potential legal exploitation by multinational corporations. Additionally, from an Islamic corporate ethics perspective, bad faith trademark registration is not only a legal violation but also a breach of business accountability (Mas’uliyyah tijariyyah), warranting both legal and ethical remedies.
Implication: This study provides three key contributions: (1) A comparative legal analysis demonstrating the need for stronger trademark protection mechanisms in Indonesia; (2) Integration of Islamic corporate ethics, highlighting moral accountability beyond legal compliance; and (3) Policy recommendations, urging Indonesia to adopt clearer evidentiary standards, align with international trademark regimes, and implement ethical accountability frameworks. By bridging legal, economic, and ethical perspectives, this study offers a novel framework for analyzing trademark disputes in emerging markets.
Originality: Integration of Islamic corporate ethics, highlighting moral accountability beyond legal compliance
 
Pappaseng values: A cultural framework for national character development
Get PDFPappaseng, a form of traditional Bugis oral literature, serves as a cultural medium for transmitting moral values through proverbs, advice, songs, and dialogic expressions. These forms function as pedagogical tools for both individual and communal character development. This study aims to explore the potential of Pappaseng as a culturally rooted framework for national character education in Indonesia. Employing a qualitative descriptive method through library research, the analysis draws upon primary Pappaseng texts and secondary sources from anthropology, education, and local wisdom studies. The research addresses the limited integration of indigenous oral traditions within current character education models. The findings reveal that Pappaseng embodies essential values, such as honesty (lempu’), wisdom (amaccang), and courage (getteng), that can be meaningfully integrated into educational practices to promote ethical awareness and national identity. These values are transmitted not only through interpersonal advice but also via traditional artistic expressions, including kaddo bora (songs) and dialogic storytelling. This study offers a novel contribution by positioning Pappaseng as an underutilized indigenous epistemology within the discourse on character education. As such, it provides a culturally relevant resource for strengthening national character through formal education and community engagement initiatives
The Application of Da'wah Communication in Ciputat Community in the Digital Era
Get PDFThis research analyzes the application of digital da'wah communication in the Ciputat community, which has become increasingly relevant in the era of information technology. A qualitative method with a descriptive approach was used through observations and interviews with religious figures and community members actively involved in digital da'wah. The results show that social media platforms such as Instagram, YouTube, and WhatsApp have become the main media for delivering sermons and religious information. Community participation, especially among the youth, in religious discussions through social media has increased. However, challenges such as a lack of digital literacy and the potential spread of inaccurate information were also identified. Therefore, improving digital literacy and monitoring da'wah content is essential.Penelitian ini menganalisis penerapan komunikasi dakwah digital di masyarakat Ciputat, yang semakin relevan di era teknologi informasi. Metode kualitatif dengan pendekatan deskriptif digunakan melalui observasi dan wawancara dengan tokoh agama serta masyarakat yang aktif dalam dakwah digital. Hasil penelitian menunjukkan bahwa media sosial seperti Instagram, YouTube, dan WhatsApp menjadi platform utama untuk menyampaikan ceramah dan informasi keagamaan. Partisipasi masyarakat, terutama generasi muda, dalam diskusi agama melalui media sosial meningkat. Namun, tantangan seperti kurangnya literasi digital dan potensi penyebaran informasi yang tidak akurat juga ditemukan. Oleh karena itu, peningkatan literasi digital dan pengawasan konten dakwah sangat diperluka
Murabahah Financing Strategy by BMT in Increasing Access to Sharia Finance
No full textThis study discusses the role of Baitul Maal wa Tamwil (BMT) in increasing access to Islamic finance in Indonesia through murabahah financing strategies. With the largest Muslim population in the world, Indonesia has great potential in developing Islamic financial institutions, and BMT is present as an alternative for people who do not have access to conventional banks. Murabahah financing implemented by BMT can provide working capital to small business actors with simpler and more transparent procedures. This study uses a qualitative method with a literature study approach to examine concepts related to the role of BMT in developing the community's economy through murabahah financing. The results of the study indicate that BMT needs to implement an appropriate financing structure, including determining the purchase price, profit margin, and monitoring the performance of the financed project to reduce risk. This approach also considers customer characteristics to ensure the success of financing and BMT's contribution to poverty alleviation and improving community welfare.Penelitian ini membahas peran Baitul Maal wa Tamwil (BMT) dalam meningkatkan akses keuangan syariah di Indonesia melalui strategi pembiayaan murabahah. Dengan populasi Muslim terbesar di dunia, Indonesia memiliki potensi besar dalam pengembangan lembaga keuangan syariah, dan BMT hadir sebagai alternatif bagi masyarakat yang tidak memiliki akses ke bank konvensional. Pembiayaan murabahah yang diterapkan oleh BMT dapat memberikan modal kerja kepada pelaku usaha kecil dengan prosedur yang lebih sederhana dan transparan. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi pustaka untuk mengkaji konsep-konsep terkait peran BMT dalam mengembangkan ekonomi masyarakat melalui pembiayaan murabahah. Hasil penelitian menunjukkan bahwa BMT perlu menerapkan struktur pembiayaan yang tepat, termasuk penentuan harga beli, margin keuntungan, dan pemantauan kinerja proyek yang dibiayai untuk mengurangi risiko. Pendekatan ini juga memperhatikan karakteristik nasabah untuk memastikan keberhasilan pembiayaan dan kontribusi BMT terhadap pengentasan kemiskinan serta peningkatan kesejahteraan masyaraka