Operasionalisasi Pemasaran Syari’ah Pada Produk Baitul Maal Wat Tamwil (Bmt) Di Provinsi Banten
DOI:
https://doi.org/10.26486/jpsb.v2i2.341Abstract
Tujuan dari penelitian ini adalah untuk mengetahui sejauh mana penyimpangan dalam operasionalisasi pemasaran syariah pada produk BMT di Provinsi Banten, Mengapa dan bagaimana pemasaran syariah terjadi penyimpangan pada produk di BMT.
 Metode penelitian yang akan digunakan adalah metode pendekatan deskriptif kualitatif fenomenologis. Studi fenomenologis mencoba untuk menjelaskan atau mengungkap makna konsep atau fenomena yang didasarkan pada pengalaman kesadaran yang terjadi pada beberapa individu.
Sampel yang akan di teliti berjumlah 6 BMT dari setiap Kabupaten dan Kota yang ada di Provinsi Banten. Dengan subyek peneliti atau informan adalah pengurus (Ketua, Sekretaris, Bendahara) atau pengelola (Manajer, staf) BMT dan mitra BMT pada sejumlah BMT yang tersebar di Provinsi Banten. Teknik analisis yang digunakan adalah dengan menggunakan model interaktif. Dalam model analisis ini terdapat 3 (tiga) komponen analisis, yaitu: reduksi data, display data dan penarikan kesimpulan
Kesimpulannya BMT dalam operasionalisasi pemasaran syari’ah BMT di Banten dalam hal ini produk seperti bentuk simpanan di BMT tidak ada yang menyimpang dari prinsip-prinsip syari’ah. Sedangkan pada produk pembiayaaan terjadi  penyimpangan dari ketentuan syari’ah.
Sebab-sebab penyimpangan yang terjadi pada pembiayaan produk, terlihat bahwa ternyata banyak produk-produk BMT yang belum dipahami oleh pengurus, pengelola dan nasabah, bagaimana seharusnya yang sesuai dengan konsep syari’ah.References
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