LINKAGE PROGRAM BANK SYARIAH DENGAN BMT: TINJAUAN KRITIS BAGI PENGEMBANGAN SISTEM KEUANGAN ISLAM YANG LEBIH KAFFAH
ABSTRACT: This study aims to
determine the BMT’s reason for not continuing linkage with Islamic Bank. Whereas
linkage program is a good strategy to achieve a more inclusive financial
system. This study used a qualitative approach and single-case studies as the
strategy. Primary data collection using in-depth interview, while secondary
data obtained from the annual financial statements of BMT. The expalanation
building was used as the technique of analysis by explaining the results of
in-depth interviews, in order to know what is BMT’s reason for this case. The
results showed that the linkage program that used mudaraba contract which the
rate of return should be variable on the income of BMT, but in fact is still
based on the amount of financing. Linkage contract which is not in accordance
with mudaraba system contract caused BMT did not continue linkage with Islamic
banks.
Keywords: Islamic Bank, BMT,
inclusive financial, linkage program
Penulis: Denizar Abdurrahman
Mi’raj, Muhamad Nafik H.R
Kode Jurnal: jpmanajemendd151482
