Adaptasi Digital dan Resiliensi Baitul Maal wat Tamwil (BMT): Strategi Keberlanjutan Lembaga Keuangan Mikro Syariah

The disruption of the digital economy requires Baitul Maal wat Tamwil (BMT) to adapt in order to maintain institutional sustainability and competitiveness. This study aims to describe the digital transformation of BMT and identify the factors influencing the resilience of Islamic microfinance institutions. This research employs a descriptive qualitative approach through observations, interviews, and literature reviews conducted at several BMT institutions in Pekalongan and its surrounding areas. Data were analyzed interpretively to understand digitalization processes and institutional resilience. The findings indicate that the utilization of QRIS, social media, administrative applications, and WhatsApp improves transaction efficiency and access to Islamic financial services. The success of digital transformation is influenced by human resource quality, institutional governance, digital literacy, and social relationships grounded in Islamic values. The findings highlight the importance of gradual digital adaptation while maintaining sharia principles and public trust.