Peran BPR dalam meningkatkan kesejahteraan ekonomi masyarakat Kelurahan Ngringo berdasarkan prinsip maslahah

Studi Kasus PT. BPR BKK Tasikmadu (Perseroda)

Abstract

This study aims to identify the application of the maslahah principle in the operations and financing services carried out by PT. BPR BKK Tasikmadu (Perseroda), and to analyze the role of PT. BPR BKK Tasikmadu (Perseroda) in improving the economic welfare of the Ngringo Village community through the perspective of the maslahah principle. The research employed a descriptive qualitative approach supported by quantitative data. Data were collected through interviews, observation, documentation, and questionnaires distributed to micro-financing customers. Data analysis was conducted using data reduction, data display, and conclusion drawing techniques, strengthened by SWOT analysis and the maslahah framework approach. The findings indicate that micro-financing dominates approximately 65% of the financing portfolio with relatively controlled risk levels. The overall average questionnaire score of 4.50 falls into the “very good” category, indicating that the financing services are perceived as transparent, professional, and beneficial by customers. The implementation of the maslahah principle is reflected in the fulfillment of dharuriyah, hajiyah, and tahsiniyah levels simultaneously. Furthermore, micro-financing contributes to business capacity improvement, reduces dependence on informal loans, and enhances community welfare materially, psychologically, and spiritually. Therefore, PT. BPR BKK Tasikmadu (Perseroda) functions not only as a financial intermediary institution but also as an instrument of economic empowerment based on maslahah principles.