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Filename: drivers/Session_files_driver.php

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File: /home/baitulmalacehpro/public_html/application/libraries/Ion_auth.php
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Function: driver

File: /home/baitulmalacehpro/public_html/application/controllers/dashboard/Pages.php
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Backtrace:

File: /home/baitulmalacehpro/public_html/application/libraries/Ion_auth.php
Line: 76
Function: driver

File: /home/baitulmalacehpro/public_html/application/controllers/dashboard/Pages.php
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File: /home/baitulmalacehpro/public_html/index.php
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Function: require_once

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Filename: drivers/Session_files_driver.php

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Backtrace:

File: /home/baitulmalacehpro/public_html/application/libraries/Ion_auth.php
Line: 76
Function: driver

File: /home/baitulmalacehpro/public_html/application/controllers/dashboard/Pages.php
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Function: require_once

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Filename: drivers/Session_files_driver.php

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Backtrace:

File: /home/baitulmalacehpro/public_html/application/libraries/Ion_auth.php
Line: 76
Function: driver

File: /home/baitulmalacehpro/public_html/application/controllers/dashboard/Pages.php
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File: /home/baitulmalacehpro/public_html/index.php
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Filename: drivers/Session_files_driver.php

Line Number: 313

Backtrace:

File: /home/baitulmalacehpro/public_html/application/libraries/Ion_auth.php
Line: 76
Function: driver

File: /home/baitulmalacehpro/public_html/application/controllers/dashboard/Pages.php
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Function: __construct

File: /home/baitulmalacehpro/public_html/index.php
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Filename: drivers/Session_files_driver.php

Line Number: 354

Backtrace:

File: /home/baitulmalacehpro/public_html/application/libraries/Ion_auth.php
Line: 76
Function: driver

File: /home/baitulmalacehpro/public_html/application/controllers/dashboard/Pages.php
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File: /home/baitulmalacehpro/public_html/index.php
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File: /home/baitulmalacehpro/public_html/application/libraries/Ion_auth.php
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Function: driver

File: /home/baitulmalacehpro/public_html/application/controllers/dashboard/Pages.php
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File: /home/baitulmalacehpro/public_html/index.php
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File: /home/baitulmalacehpro/public_html/application/libraries/Ion_auth.php
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Function: driver

File: /home/baitulmalacehpro/public_html/application/controllers/dashboard/Pages.php
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Function: __construct

File: /home/baitulmalacehpro/public_html/index.php
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File: /home/baitulmalacehpro/public_html/application/libraries/Ion_auth.php
Line: 76
Function: driver

File: /home/baitulmalacehpro/public_html/application/controllers/dashboard/Pages.php
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Function: __construct

File: /home/baitulmalacehpro/public_html/index.php
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Function: require_once

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File: /home/baitulmalacehpro/public_html/application/libraries/Ion_auth.php
Line: 76
Function: driver

File: /home/baitulmalacehpro/public_html/application/controllers/dashboard/Pages.php
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Function: __construct

File: /home/baitulmalacehpro/public_html/index.php
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Function: require_once

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File: /home/baitulmalacehpro/public_html/application/libraries/Ion_auth.php
Line: 76
Function: driver

File: /home/baitulmalacehpro/public_html/application/controllers/dashboard/Pages.php
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Function: __construct

File: /home/baitulmalacehpro/public_html/index.php
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Function: require_once

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File: /home/baitulmalacehpro/public_html/application/libraries/Ion_auth.php
Line: 76
Function: driver

File: /home/baitulmalacehpro/public_html/application/controllers/dashboard/Pages.php
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Function: __construct

File: /home/baitulmalacehpro/public_html/index.php
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Function: require_once

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File: /home/baitulmalacehpro/public_html/application/libraries/Ion_auth.php
Line: 76
Function: driver

File: /home/baitulmalacehpro/public_html/application/controllers/dashboard/Pages.php
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File: /home/baitulmalacehpro/public_html/application/libraries/Ion_auth.php
Line: 76
Function: driver

File: /home/baitulmalacehpro/public_html/application/controllers/dashboard/Pages.php
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Function: __construct

File: /home/baitulmalacehpro/public_html/index.php
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Function: require_once

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File: /home/baitulmalacehpro/public_html/application/libraries/Ion_auth.php
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Function: driver

File: /home/baitulmalacehpro/public_html/application/controllers/dashboard/Pages.php
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File: /home/baitulmalacehpro/public_html/application/libraries/Ion_auth.php
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Function: driver

File: /home/baitulmalacehpro/public_html/application/controllers/dashboard/Pages.php
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Function: __construct

File: /home/baitulmalacehpro/public_html/index.php
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Function: require_once

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File: /home/baitulmalacehpro/public_html/application/controllers/dashboard/Pages.php
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Function: ip_address

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File: /home/baitulmalacehpro/public_html/application/controllers/dashboard/Pages.php
Line: 92
Function: set_cookie

File: /home/baitulmalacehpro/public_html/application/controllers/dashboard/Pages.php
Line: 66
Function: add_count

File: /home/baitulmalacehpro/public_html/index.php
Line: 315
Function: require_once

Modal Usaha Mikro | Baitul Mal Aceh

Modal Usaha Mikro

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Sejak tahun 2017 pemerintah pusat telah menerbitkan Pembiayaan Ultra Mikro (UMi), suatu program pembiayaan yang menyasar usaha di bawah kategori mikro dan kecil. Pembiayaan Ultra Mikro merupakan program tahap lanjutan dari program bantuan sosial yang menyasar usaha mikro yang berada di lapisan terbawah, yang belum bisa difasilitasi perbankan melalui program Kredit Usaha Rakyat (KUR). 


Kelompok usaha ini sebelumnya luput dari perhatian lembaga keuangan karena dianggap tidak bankable. Kondisi ini kemudian menimbulkan kesenjangan pertumbuhan kelompok usaha ultra mikro yang mengalami kesulitan untuk berkembang. Padahal, mengutip data Kementerian Koperasi dan UKM pada tahun 2019, segmen ultra mikro terdiri dari sekitar 65 juta unit usaha mikro yang mewakili 99% dari total jumlah usaha di Indonesia. Untuk itu, segmen mikro dan ultra mikro memiliki peran krusial dalam mendukung pertumbuhan ekonomi Indonesia. Data tersebut menjadi landasan pemerintah dalam mengeluarkan kebijakan resmi membentuk Holding Ultra Mikro guna memberikan kepastian terhadap pelaku UMKM yang selama ini kesulitan mendapatkan permodalan dari lembaga keuangan. 


Searah dengan kebijakan pemerintah tersebut, Baitul Mal Aceh (BMA) melalui instrumen dana zakat memiliki korelasi untuk berkontribusi pada sektor usaha ultra mikro yang dijalankan oleh mustahik. Karena selama ini mustahik pelaku usaha ultra mikro khususnya di Aceh kesulitan mendapatkan modal usaha. Mustahik terpaksa meminjam dana pada rentenir dengan sistem riba yang sangat merugikan.


Bantuan yang diberikan berupa modal senilai Rp. 5.000.000 per orang. Sasaran dari bantuan ini adalah mustahik dari keluarga miskin yang sedang menjalankan usaha berkategori ultra mikro. Ada pun sebaran mustahik penerima bantuan ini pada tahun 2022 adalah sebagai berikut: