MANAJEMEN PERMODALAN BMT (Baitul Maalwat Tamwil) DI MASA PANDEMI COVID-19

This study is to understand the impact of the Covid-19 pandemic and capital management for the sustainability of the BMT business. To get the maximum possible income, BMT financing activities also adhere to shari'ah principles, which can be in the form of profit sharing, profit or management services. The use of existing BMT capital during the Covid-19 pandemic is currently: First, productive use for financing members, the public, and other BMTs who apply for financing for businesses in the economic fields of medical devices, food and retail, so they do not have risks that can reduce BMT assets. Second, unproductive use, namely Human Resours  training funds, during the Covid-19 pandemic, BMT human resources are needed who are able to work smartly and creatively to minimize risks during an economic recession. Third, the use of funds to mitigate risks such as allowance for non-performing financing, additional general reserve funds and an allowance for retained earnings. During the Covid-19 pandemic, most MSMEs who became customers or members of BMT experienced a decrease in turnover which resulted in bad credit (increased NPF in Islamic financial institutions), so to anticipate the risks of default from members, reserve funds are needed to recovering BMT operations so that they can run as they should