The Role of BMT Nur Insan Mandiri in Al-Qardhul Hasan Financing On Member's Welfare

Abstract

MSMEs are one of the community entities that suffer economically during the pandemic. Not a few MSMEs are out of business in this difficult time. To survive or even rise, they need funds that are usually obtained through financial institutions. BMT as one of the non-bank Islamic financial institutions has an important role for them. One of the products of BMT Insan Mandiri is Al Qardhul Hasan, which is a breath of fresh air for its members in need. This is after getting researchers to find out the role of BMT Nur Insan Mandiri in financing Al Qardhul Hasan for the welfare of members before and after getting financing. In addition to know the supporting factors and obstacles in its application. The supporting factors for the financing of Al-Qardhul Hasan at BMT Nur Insan Mandiri are the existence of grants, zakat, infaq, alms and other funds. Meanwhile, the obstacles in financing Al-Qardhul Hasan at BMT Nur Insan Mandiri in the introduction of financing have not been carried out intensively. The research methodology used is included in qualitative research where data is obtained from data in the form of interviews, while secondary data is obtained from literature and data documentation. The results of this study are, BMT Nur Insan Mandiri provides Al-Qardhul Hasan financing to members who experience a lack of capital. After receiving Al-Qardhul Hasan financing, four out of five members experienced increased income and welfare experiences.