Koperasi Simpan Pinjam dan Pembiayaan Syariah Sanama (KSPPS BMT Sanama) before known as Koperasi Serba Usaha sanama (KSU Sanama) is sharia-based cooperative for extending financial and other services to micro and small enterprises. Sanama using Baitul Maal Wattamwil or BMT as sharia-based concept into the operation. BMT offered two concept, Baitul Tamwil focus to develop business activities and productive investment with the goal of profit (profit-oriented for organization and member). Baitul Maal focus on social, non-profit and also prioritized to assist productive activities of the poor.