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Ilham Wahyudi
Sekolah Tinggi Agama Islam Salahuddin Pasuruan, Indonesia

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S Strategi Penanganan Pembiayaan Bermasalah Pada BPRS Daya Artha Mentari Pasuruan: Strategi Penanganan Pembiayaan Bermasalah Siti Ilfiah; Saiful Bakhri; Ilham Wahyudi
Cashless : Journal of Sharia Finance and Banking Vol. 1 No. 2 (2023): Cashless : Journal of Sharia Finance and Banking (Oktober)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/cashless.v1i2.322

Abstract

Problematic financing can affect the income of BPRS Daya Artha Mentari Pasuruan. This requires treatment to overcome problematic financing. The aim of this research is to find out the strategy for handling problematic financing carried out by BPRS Daya Artha Mentari Pasuruan. This research is field research with a qualitative approach. The research results discuss problematic financing caused by two factors, namely internal factors (coming from BPRS Daya Arha Mentari Pasuruan) and external factors (coming from members). Handling problematic financing at BPRS Daya Arha Mentari Pasuruan by contacting members by telephone, SP warnings, billing directly to the customer's location, conducting customer negotiations through rescheduling, Reconditioning, Restructuring, and confiscation of collateral.
Strategi Karyawan Dalam Meningkatkan Minat Anggota Menabung Dibmt Maslahah Cabang Gondangwetan Pasuruan Mita Amelia Pratiwi; Saiful Bakhri; Ilham Wahyudi
Cashless : Journal of Sharia Finance and Banking Vol. 2 No. 1 (2024): Cashless : Journal of Sharia Finance and Banking (April)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/cashless.v2i1.415

Abstract

Baitul Maal wa Tamwil (BMT) Maslahah Gondang Wetan Pasuruan Branch is a financial institution that implements a system based on Islamic sharia. In our business activities, we apply the principle of profit sharing (nisbah) and not the principle of profit sharing (riba) to guarantee halal income. The goal of every company is to create satisfied customers. Satisfying and retaining customers requires the right service strategy. The aim is to provide customer service and satisfaction so that customers can find out the reasons why customers are interested in saving, namely the quality of service and the public's reaction to customer satisfaction at BMT Maslaha, Gondang Wetang Branch, Pasuruan Branch. I am positive about the presence of BMT Maslaha Gondan Wetang Branch Pasuruan Branch because the service provided by officers at BMT Maslaha Gondan Wetang Branch Pasuruan Branch is very good. This public recognition is mainly due to the performance of the employees of BMT Maslaha, Gondan Wetang Branch and Pasuruan Branch, all of whom are Islamic boarding school graduates and have positive attitudes among their 4,444 active members. Apart from that, BMT Maslaha, Gondangwetang and Pasuruan savings products are always available for urgent needs and profit sharing is carried out every month. The relatively easy process is also the reason members choose to save at the BMT Maslaha Gondang Wetang Branch, Pasuruan Branch. In this case the researcher uses case study research by directly investigating the research topic. Employees of the Pasuruan branch of BMT Maslaha Gondan Wetang are being tested here. The aim of this research approach is to identify employee strategies in increasing customers' interest in saving at the Pasuruan branch of BMT Maslaha Gondang Wetang.The researcher's data source is an important factor to consider when deciding on data collection methods. The data sources used in this research are primary data and secondary data
Analisis Dampak Penerapan IT Terhadap Proses Pembukaan Rekening Tabungan Di Bank Muamalat KCP Pasuruan Konita Mardia; Saiful Bakhri; Ilham Wahyudi
Cashless : Journal of Sharia Finance and Banking Vol. 2 No. 1 (2024): Cashless : Journal of Sharia Finance and Banking (April)
Publisher : Universitas Nahdlatul Ulama Pasuruan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/cashless.v2i1.416

Abstract

Currently, it can be said that almost all banks in Indonesia have mobile banking applications to suit the lifestyle of their customers, including Bank Muamalat by launching a mobile banking application (Muamalat DIN). So in this research the researcher will discuss the impact of implementing IT (Mobile Banking) to find out what impacts it has had on customers and companies, where this research was carried out using qualitative methods, namely field research using primary and secondary data. The impact of implementing IT is very significant on the customer opening process, one of which is being able to provide direction or understanding to access various banking services at any time 24 hours a day and this also has a positive effect on the company