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BMT is a financial institution which is sought after by small entrepreneurs for financing their business operations. This institution provides finance to help small entrepreneurs who cannot access finance from the larger banking sector. In addition, the existence of BMTs is a blessing for the lower income group in society, keeping them away from illegal money lenders who burden them with much higher interest rates. Since its appearance in 1992, the BMT has been receiving positive responses from all sections of society in Indonesia. Many people take advantage of these opportunities which are available through the setting up of a BMT institution; however, many of them failed and ended up bankrupt. It is because they faced many problems in their operations. Therefore, this research selected BMT in Pekanbaru as a case study in order to analyze the problems faced by BMT whether these problems due to internal or external factors. In this regard, the study employs the method of Analytic Network Process (ANP). The data used are primary data obtained from interviews (depth interview) with academicians, practitioners, and regulators, who have an understanding of the subject matter covered. This paper concluded that the internal problems of lacking quality of Human resource become a major problem to be resolved through training and education. While externally, the major problem that must be immediately to resolve is the absence of specific regulation governing BMT.

Analysis Problem of Baitul Maal Wat Tamwil (BMT) Operation in Pekanbaru Indonesia Using Analytical Network Process (ANP) Approach