Human Resources and Islamic Microfinance Sustainability: An Empirical Study of Baitul Maal wat Tamwil in Indonesia

Qosdan Dawami, Dzuljastri Abdul Razak, Hamdino Hamdan
Published Online: June 2021

Purpose: The main purpose of this study is to determine empirically the relationship between human resource adequacy and the sustainability of BMT in Indonesia. Methodology: This study used a triangulation design as research method. The total number of 285 questionnaires were distributed manually to BMT staffs and analyzed using SPSS. In addition, this study also conducted semi-structured interviews with some managers of BMT. Findings: The study findings exhibited that the relationship between human resource adequacy the sustainability of BMTs was significance and positive relationship. Originality: This study revealed the impact of human resources on the sustainability of BMT, which to the authors’ knowledge has not been conducted empirically. Research Implications: This study recommends managers of BMT to strengthen human resources management through conducting some training programs in order to improve BMT sustainability. KAUJIE Classification: P6, T7 JEL Classification: A19, C39, C51


Islamic Microfinance, Human Resources, Baitul Maal Wat Tamwil, Sustainability And Indonesia