The Model of Spiritual Capital Implementation in Islamic Microfinance Institutions (Case Study at BMT SunanDrajat)

Warizal, Warizal (2020) The Model of Spiritual Capital Implementation in Islamic Microfinance Institutions (Case Study at BMT SunanDrajat). American Journal of Humanities and Social Sciences Research, 4 (9). ISSN 2378-703X

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Abstract

BMT Sunan Drajat is a sharia microfinance institution in the Sunan Drajat Islamic Boarding School. Its existence is still new, but its development is very good. Spiritual capital is generally applied in Islamic financial institutions, but many of its applications are not yet optimal. The purpose of this research is to find out how the spiritual capital is applied in BMT Sunan Drajat and what are the differences with other Islamic financial institutions. The research method used is qualitative research with a phenomenological approach. The results show that the spiritual capital applied by BMT Sunan Drajat is operational-based spiritual capital, because these values are directly applied in five forms such as Spiritual Recruitment & Training, Spiritual Metting, Spiritual Service, Spiritual Products and Spiritual Compliance where all of these forms are aimed at reach Mqashid As-Sharia.

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