Abstract

The purpose of this study is to determine the effect of the Religiosity, Hardworking on performance of Islamic microfinance or Baitul Maal wat Tamwil (BMT), Indonesia. BMT is a microfinance institution that operates based on sharia principles and is a legal entity. We distributed questionnaires to 52 employee respondents at BMT Ummat Sejahtera Abadi. The sampling technique used in this study is saturated sampling techniques and the test using path analysis. The results of this study indicate that religiosity and hard work will improve the performance of BMT human resources. Religiosity is the level of faith, understanding, and obedience in religion, understanding in a person in living or practicing the teachings of the religion he believes in, while hard work is interpreted as an effort to move and get maximum results at work. These two things are indicated to improve the performance of BMT human resources.