Peranan koperasi dan bmt dalam penguatan ekonomi kerakyatan di indonesia
Abstract
Cooperatives and Baitul Maal wat Tamwil (BMT) are two important institutions in the development of Indonesia’s economy, particularly in strengthening an equitable people-based economic system. Cooperatives play a strategic role in improving members’ welfare through the principles of kinship and economic democracy as regulated in Law Number 25 of 1992. Meanwhile, BMT serves as an Islamic microfinance institution that provides financing for productive activities while also carrying out social functions through the management of zakat, infaq, and sadaqah funds. This study employs a literature review method by analyzing various sources related to cooperatives and BMT. The findings indicate that cooperatives and BMT complement each other in promoting community economic empowerment, expanding access to fair financing, and supporting inclusive and sustainable economic growth. Therefore, strengthening cooperatives and optimizing the role of BMT are essential strategies for improving the economic welfare of Indonesian society.
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