RETRUKSI KONSEPTUAL RISK AND RETRUN SEBAGAI DASAR
PENGEMBANGAN BAITUL MAAL WA TAMWIL YANG MANDIRI (Studi Kasus Pada BMT Bringharjo
Yogyakarta)
Oleh: Ema Pratiwi,
Rahmad Kadry
Fakultas Syariah & Hukum UIN Sunan
Kalijaga Yogyakarta
ABSTRACT
The purpose of this study
is to find out how Baitul Maal Wa Tamwil (BMT) can develop their independence
as microfinance institutions, based on the expansion of the nature and
development (metaphor) risk & return. With post positivism rational-istic
approach, the results of this study are: (1) the risk faced by BMT in addition
to financial risk (conventional), as well as more broadly in the form of
guaran-tees(goodwill) and guarantee facilities of customer funds. 2) On the
return, in addi-tion to financial return (conventional) the meaning has expanded
on customer loyalty, market expansion and social functioning of the BMT.
Keywords: metaphor, risk, return, independency
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