Abstract Baitul Mal Wat Tamwil (BMT) is a non-bank financial institution as an integrated
independent business center which is a bayt al-mal wa at-tamwil, which is an institution that
develops productive and investment businesses to improve the quality of small
entrepreneurs' businesses and encourage business forms.-a form of investment with the aim
of empowering worldly and ukhrawi businesses through donations, zakat and alms. In its
development, BMTs face the same problems, for example problematic customers …