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All Journal Social Science Academic AL-UJRAH: Jurnal Ekonomi Islam
Nurwahyuni Nurwahyuni
STAI Muhammadiyah Tulungagung
Religion Humanities Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Analisis Faktor-Faktor Penyebab Pembiayaan Bermasalah pada Akad Murabahah dan Proses Penyelesaiannya di BMT Harapan Ummat Tulungagung Mohammad Saiful Rifai; Nurwahyuni Nurwahyuni; Chosinawarotin Chosinawarotin
AL-UJRAH Vol 3 No 1 (2024): Desember
Publisher : Prodi Ekomoni Syariah STAI Al Akbar Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Indonesia's population, which exceeds 280 million, is not accompanied by a sufficient number of job opportunities. The difficulty in finding employment has led to high unemployment rates. This situation forces the society to become more creative in generating income, one of which is by starting a business. Running a business requires a considerable amount of capital, especially with the rising prices of goods. Murabahah financing is one solution to address this issue. Murabahah is a sale and purchase agreement between a customer and a financial institution, with an agreed-upon margin value. BMT Harapan Ummat Tulungagung is one of the financial institutions offering this service. This study aims to examine the standard assessment of the feasibility of Murabahah financing approval, the factors causing problematic financing, and the resolution stages. The research adopts a phenomenological approach with a field research type using a descriptive qualitative method. The findings reveal that the feasibility assessment of potential customers for financing approval is based on the 5C principle. First, Character is assessed through interviews with the customer and cross-checked with the local community. Second, Collateral refers to the requirement that financing must be secured by collateral such as land or building certificates, civil servant identification (SK ASN), or vehicle registration certificates (BPKB) for motorbikes or cars. Third, Capacity is evaluated from the financial reports of the business, salary slips, employment status, and business location surveys for self-employed customers. Fourth, Condition is assessed from internal factors such as the economic status and the number of dependents, and external factors such as the environmental conditions. Fifth, Capital is evaluated from the physical evidence of the ongoing business and can also be measured by the assets owned. The factors causing problematic Murabahah financing in BMT Harapan Ummat Tulungagung from external factors include: 1) educational expenses; 2) daily living expenses; 3) business disruptions; 4) unpaid receivables; and 5) existing loans from other places. Internal factors include the absence of penalties for problematic financing in the agreement letter, which ultimately leads customers to neglect their obligations. The resolution stages for problematic financing in BMT Harapan Ummat Tulungagung are: 1) contacting the customer through messages and phone calls; 2) visiting the customer's residence, either with or without prior agreement; 3) negotiating installment payments through restructuring or selling the Murabahah collateral to cover the remaining payment obligations; and 4) waiting for the customer to acknowledge the need for payment. The final stage occurs when the customer cannot be contacted or met.
Transformasi Ekonomi Syariah di Era Digital: Analisis Konseptual terhadap Integrasi Fintech dan Maqāṣid al-Sharī‘ah Muchamat Amarodin; Nurwahyuni Nurwahyuni; Mohammad Saiful Rifai
Social Science Academic Vol. 4 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ssa.9544

Abstract

The development of digital technology has driven major changes in the global financial system, including in the Islamic economic sector through the emergence of financial technology (fintech). This phenomenon presents opportunities for increased efficiency and financial inclusion, but also raises the need for integration that aligns with Islamic principles. This study aims to analyze the characteristics of Islamic economic transformation in the digital era, identify forms of fintech integration within the Islamic economic system, explain the role of maqāṣid al-sharī'ah as an evaluative framework, and formulate a conceptual model of fintech integration based on Islamic values. The study uses a qualitative approach based on library research, with an integrative literature review. Data were obtained from scientific journals, academic books, policy documents, and other relevant publications, then analyzed using content analysis and thematic analysis. The results show that fintech integration in the Islamic economy is developing through peer-to-peer financing services, digital payments, and Islamic crowdfunding that adapt contracts such as mudhārabah, musyārakah, murābaḥah, and wakālah. Other findings indicate that the maqāṣid al-sharī'ah (Islamic principles) play a crucial role in assessing the security, fairness, transparency, and social welfare of digital innovation. This study concludes that the transformation of the Islamic economy will be more sustainable if fintech is developed through a synergy between technology, regulation, governance, and maqāṣid al-sharī'ah orientation, thus creating a modern, inclusive, and valuable digital financial ecosystem.
Co-Authors Chosinawarotin Chosinawarotin Mohammad Saiful Rifai Muchamat Amarodin