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BMT as a
Social-Enterprise2
Jamil AbbasGeneral Manager – PBMT Social Ventures
Social Enterprise
A business created to solve social problem(s) in
a financially sustainable way.
Social Enterprise2
A social enterprise which also establishes or has
established another social enterprise to increase
its social impact.
Is BMT a social enterprise ?
BMT
Baitul
(House)
Tamwil
(Business)
Maal
(Social)
Baitul Maal wat TamwilThe House of Social and Business
The BMT model
Indonesia’s model of Islamic “social” microfinance
DONORSZakatInfaqShadaqahWakafQardh-al-hasanDonationCSR
MEMBERS
ISLAMIC BANKS & FINANCIAL INSTITUTIONS
INVESTORS
Commercial Financingfor MSME
Social Activities, incl. Non-Commercial Financing
The BMT model
MEMBERS
ISLAMIC BANKS & FINANCIAL INSTITUTIONS
INVESTORS
Commercial Financingfor MSME
The BMT model
DONORSZakatInfaqShadaqahWakafQardh-al-hasanDonationCSR
MEMBERS
ISLAMIC BANKS & FINANCIAL INSTITUTIONS
INVESTORS
Commercial Financingfor MSME
Social Activities, incl. Non-Commercial Financing
The BMT model
Poorest of the Poor
Grant
Micro enterprise
Commercial Loan – Microfinance
Poor
Non-commercial
•Grant
•Saving education
•Technical guidance
Poorest
of the Poor
•Non-commercial loan
•Saving education
•Technical guidance
Poor•Financial service
•Capacity Building
Micro-enterprise
The BMT model
Healthcare
Disaster Recovery
Education
Infrastructure
Developing Productive Community
Why is it important to make it clear that BMT is a social enterprise ?
• Simply the truth
• To update the social enterprise landscape in Indonesia
• For greater support from public
BMT as a
Social-Enterprise2
Why is it important to introduce the concept of
Social-enterprise2 to Islamic microfinance
institutions ?
• To bring in more sustainable solutions to the community.
• To optimally utilize local resources to solve social problems.
Summary
• BMT is clearly a social enterprise. Tamwil division alone is already a social enterprise, and, with Maal division, BMT’s social impact is soaring even more.
• There are still various social problems at the community. Social enterprise approach can solve many of those problems. BMT, through its Baitul Maal, can establish various social enterprises for the sake of the community.
• BMT, being a social enterprise which establishes other social enterprise
= Social-enterprise2.
Summary
• In establishing a social enterprise, BMT can collaborate with other organizations.
• Structure and ownership of the “BMT initiated / established” social enterprise should be designed in a such a way which is best for all stakeholders, especially the community.
We are not just helping the poor to survive but
we are trying to help them to stop being poor