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COLLABORATION OF ISLAMIC FINTECH AND BMT AS THE CATALYST FOR SUPPORTING SMALL AND MICRO ENTREPRENEURSHIPS (SMEs) Fiska Silvia Raden Roro*), Trisadini P. Usanti , Xavier Nugraha ,Antonius Gunawan Dharmadji , Citi Rahmati Serfiyani Department of Private Law Faculty of Law Airlangga University Jl. Dharmawangsa Dalam Selatan, Surabaya 60286, Indonesia *) fiska@fh.unair.ac.id Keywords: BMT, Islamic fintech, Lending/ Loan, Funding, SMEs Theme :Trade and Business Presentation Preference : oral ABSTRACT One of the Islamic financial institutions which play a role in supporting the Islamic financial industry and the Indonesian economy is Baitul Mal wa Tamwil. Baitul Mal wa Tamwil (BMT) emerged as an option for SMEs (small and Macro Entrepreneurships) in Indonesia to obtain loans in a simpler way. BMT is an integrated independent business center and supporting financing of economic activities. Meanwhile, entering the disruptive iinovation era, BMT began to face some problems in its survival and development. This paper aims is to analyses the problems and to give solutions for BMTs in order to collaborate with Islamic fintech in the term of funding as catalyst of SMEs. The methodology of this reserach is a normative method with a conceptual approach and statute approach. As an catalyst, it is needed a synergy from the development of fintech to BMT as a sharia-based microfinance institution to be able to further encourage the growth of SMEs in Indonesia. BMT still has many problems and requires serious monitoring from the Financial Services Authority (OJK) and the Ministry of Coops. Moreover, we still find some illegal BMTs whose do not have licenses yet and/ or their operations are not in accordance with their business permit. Furthermore, still there is a lack of literacy about loan in Islamic business law perspective, Islamic Fintech platform and BMT itself.