This study aims to determine the perceptions of Islamic Financial Cooperative (BMT) managers in the Indonesian BMT Association on the acceptance of core banking technology. The Technology Acceptance Model (TAM) is used because it has simple theoretical characteristics (parsimony) and is supported by data (verifiability). This study develops the TAM model by integrating new variables –perceptions of maqashid sharia, perceptions of economies of scale, perceptions of market structure, and perceptions of technology procurement costs. These new variables are used to measure intention in using technology and actual usage in BMT operations. This study used PLS-SEM with smartPLS 3. The study was conducted in Central Java in six ex-Residency at 35 BMT with 300 respondents consisting of six levels of position level. The research found that maqashid sharia and market structure directly influenced the intention of BMT managers in using core banking technology. This new finding strengthens a theoretical model regarding the role of maqashid sharia in the acceptance of information technology in BMT. In addition, the perception of economies of scale has no significant effect on intention in using technology or its actual usage. The perception variable of technology procurement costs was found to have no significant effect on intention in using technology.

This pre-research academic study is oriented to how to integrate the implementation of Interdependency Theory from Islamic Perspective in the practice of Islamic microfinance institutions (IMI) and the economic dynamics of society according to its geographic market area. the existence of Islamic microfinance institutions (IMI) and the economic dynamics of society cannot be separated. Between the two there is a relationship of economic dynamics as a mutually beneficial business relationship (symbiotic mutualism). Both of them have their respective potential resources that can actually be locked, but the enormous potential of both resources is also a driving force for economic growth and rapid growth. IMI in the position of exploring unlimited resources is the initiator, dynamist and mover. IMI as a catalyst in community economic empowerment. Then LKMS as an exogenous variable and community business economy (small and micro enterprises as endogenous variables). It is a historical fact that since humans have been on this earth for a long time, resources have always been the object of activity that has the potential to benefit both individually, collectively within a company or by a country. But also historical facts from the past until now, the feudalists realized their dreams by exploiting good natural resources, including controlling human resources which increased the exploitation of communities in the imbalance of groups between countries.

Purpose: This study seeks to examine the trends in existing studies in the field of Baitul Maal wat Tamwilmicrofinance in terms of theories, themes, methodologies, and contexts.Theoretical framework: This study utilized bibliometric analysisand the software Publish or Perish in conjunction with the Scopus database. Articles published in 37 journals between 2011 and 2022 were chosen. This study employed systematic data to identify trends in expanding markets and qualitative inductive analysisto identify pertinent themes within the topic.Design/methodology/approach:We analysedthe profile of international publica-tions on blended learning in management and business from 2001 to 2021. We identified when, who, where and what was published on the subject, singling out the authors and journals with the greatest impact based on the h-index and CiteScore (Scopus), as well as exploring the cooperation between countries.Findings: The results show that Six research themes have been developed indicating potential explorative and exploitative research themes. This study identified the dominance of the qualitative approach in BMTresearch.Research, Practical & Social implications: We suggest practical implications as empirical evidence that could be used in a variety of ways, including as a springboard to formulate intervention initiatives aimed at promoting engagement and the development of Islamic microfinance in Baitul Maal wat Tamwiland as a measure of both the economic and non-economic impact.Originality/value:This study aims to fill the research gap by conducting a comprehensive bibliometric analysis of the literature surrounding Islamic microfinance "Baitul Maal wat Tamwil" in Indonesia.