KSPPS BMT Bina Umat Mandiri

What KSPPS BMT Bina Umat Mandiri does

KSPPS BMT Bina Umat Mandiri is an Indonesian Islamic microfinance cooperative operating under the KSPPS (Koperasi Simpan Pinjam dan Pembiayaan Syariah — Sharia Savings, Loan, and Financing Cooperative) framework as a BMT (Baitul Maal wat Tamwil), a non-bank sharia microfinance institution that collects deposits from and extends financing to members on a sharia-compliant basis. The entity is headquartered in Tegal, Central Java, Indonesia, and operates with a 14-employee headcount, indicating a micro-scale, single-city community institution rather than a regionally or nationally scaled financial player.

The cooperative's business model follows the standard BMT structure: mobilizing member savings (simpanan) and channeling them into sharia-compliant financing products (typically murabahah, mudharabah, and musyarakah structures) for micro and small economic actors in its service area. Revenue is generated from the spread on member financing and fees on transactions, rather than interest in the conventional sense, consistent with Islamic finance principles. Members are typically retail — small traders, micro-entrepreneurs, and lower-income households — drawn from the local Tegal community.

Information on the company's product portfolio, membership base, financing volume, financial performance, leadership, ownership structure, partnerships, technology stack, and historical milestones is not available from the source material. The corporate website (bmtbum.co.id) returned only a loading/verification page with no substantive company content, and no third-party sources, regulatory filings, or news coverage were provided. Consequently, deeper technical, commercial, and governance detail cannot be substantiated from the input data.

Name

KSPPS BMT Bina Umat Mandiri

Website

https://bmtbum.co.id

Company type

Private

Headcount range

11–50 employees

Short description

KSPPS BMT Bina Umat Mandiri is an Indonesian sharia microfinance cooperative (BMT) operating in Tegal, Central Java, with 14 employees, providing sharia-compliant savings and financing services to local community members.

Ownership category

akta.pro rank

Product category

Islamic Microfinance / Cooperative Financial Services

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro industry

PRIMARYFSABAGAH

Shariah-compliant Financing Products (Murabaha, Ijara, Tawarruq, Istisna, Salam)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Islamic Banking

SECONDARYFSABAGAI

Islamic Deposit & Account Products (Current/Savings/Investment Accounts)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Islamic Banking

SECONDARYFSABAGAC

Islamic Corporate Banking

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Islamic Banking

Keywords

• Sharia microfinance
• Cooperative lending
• Islamic savings
• Community financing
• Baitul maal wat tamwil

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Core offering

KSPPS BMT Bina Umat Mandiri appears to be a Sharia-compliant cooperative financial institution (KSPPS) operating under the Baitul Maal wat Tamwil (BMT) model in Tegal, Central Java, Indonesia. Based on the entity type, it is understood to offer member-based Islamic savings (simpanan), Sharia-compliant financing (pembiayaan Syariah such as murabahah and musyarakah), and social-fund services (zakat, infaq, sadaqah) to local community members. Substantive product details could not be verified from the source content, which was a loading/verification page.

Differentiator

Problem solved

Functional benefit

Products and services

• Sharia Savings Products (Simpanan Syariah) Member-based Sharia-compliant savings deposits (such as simpanan pokok, simpanan wajib, and simpanan sukarela / mudharabah) offered by the cooperative to individual community members, providing a riba-free store-of-value option. [Inferred from KSPPS/BMT entity type.]
• Sharia Financing (Pembiayaan Syariah) Sharia-compliant financing products (such as murabahah, musyarakah, and qardhul hasan) extended to members for micro-enterprise, trade, and consumption needs. [Inferred from KSPPS/BMT entity type.]
• Social Fund Services (Baitul Maal) Collection and distribution of zakat, infaq, and sadaqah (ZIS) and other social-fund services for community welfare, as part of the Baitul Maal function of a BMT. [Inferred from BMT entity type.]

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Broad incumbents

• Bank Syariah Indonesia: Indonesia's largest Sharia bank, formed from the merger of BRI Syariah, BNI Syariah, and Bank Mandiri Syariah. It is the most consequential broad incumbent competing with BMTs as it pushes into the microfinance and UMKM segment across Java.
• Bank Muamalat Indonesia: One of Indonesia's first pure-play Sharia banks offering a full Islamic product suite. Competes with BMTs at the upper end of the microfinance customer base and serves as a benchmark for Sharia-compliant deposit and financing capabilities.
• Pegadaian: State-owned Indonesian pawnshop operator with an extensive Sharia-compliant (Gadai Syariah) product line and nationwide branch network. Competes with BMTs for short-term, small-ticket financing demand from lower-income borrowers.

Direct peers

• BTPN Syariah: Sharia-compliant community bank under SMBC Indonesia focused on the 'prasejahtera' (pre-prosperous) segment. Its target customer, Sharia product mix, and grassroots distribution model make it the closest direct comparable to a BMT.

Emerging players

• Amartha: Indonesian fintech peer-to-peer lending platform focused on micro and small UMKM financing. Represents the digital-native microfinance model increasingly competing with traditional BMTs for member financing relationships across Java.
• KoinWorks: Indonesian digital lending platform serving SMEs with working-capital and productive financing. Provides a useful benchmark for the digital Sharia and conventional financing alternatives that threaten to disintermediate small BMTs.

Regional players

• Bank BJB Syariah: Sharia unit of Bank BJB, primarily serving West Java but expanding across Java. A regional Sharia bank that overlaps with BMT activity in similar geographies and customer segments.

Others

• Asosiasi BMT Indonesia: National association representing BMT cooperatives in Indonesia. Serves as the industry body setting standards, training, and policy advocacy that shape the operating environment for institutions like the subject company.

Market position

Strengths3 records

Weaknesses3 records

Competitive moat2 records

Key risks3 records

Key highlights3 records

Customer concentration

• LinkedInlinkedin.com/company/kspps-bmt-bina-umat-mandiri

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about KSPPS BMT Bina Umat Mandiri