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All Journal Uncang : Journal of sharia Banking and islamic finance
Iiz Izmuddin
Universitas Islam Negeri Sjech M.Djamil Djambek Bukittinggi
Economics, Econometrics & Finance

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STRATEGI PENGEMBANGAN PRODUK PEMBIAYAAN MUSYARAKAH DI KJKS BAITUL MAAL WA TAMWIL (BMT) AGAM MADANI NAGARI KOTO TUO, KECAMATAN IV KOTO, KABUPATEN AGAM Irvan Habib; Iiz Izmuddin
UNCANG : Journal of Sharia Banking and Islamic Finance Vol. 1 No. 2 (2025): December 2025
Publisher : Program Studi Ekonomi Islam - UIN Sjech M. Djamil Djambek Bukttinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/uncang.v1i2.10300

Abstract

This research is motivated by the development of Islamic financial institutions in Indonesia, which has driven innovation in financing products, one of which is financing under the musyarakah contract. However, in practice, Islamic microfinance institutions such as KJKS BMT Agam Madani face various challenges in developing these products, particularly following the COVID-19 pandemic, which has impacted the business continuity of MSEs. This study aims to determine the musyarakah financing product development strategy implemented by KJKS BMT Agam Madani and the obstacles encountered in this process. The research method used is a qualitative approach with descriptive methods. The data used are primary and secondary. Primary data were obtained directly from respondents through in-depth interviews and observation. Secondary data were collected from KJKS BMT Agam Madani's financial reports and supporting academic literature. Data collection techniques were conducted through interviews, observation, and documentation. Data were analyzed through data reduction, data presentation, and conclusion drawing. The research instruments were managers and employees of KJKS BMT Agam Madani, as well as customers (MSEs) in Nagari Koto Tuo. The research results indicate that product development strategies are implemented through adjustments to product characteristics, classification of the types of businesses financed, and implementation of marketing strategies such as outreach, training, and visual promotion. However, the development of musyarakah products faces obstacles such as declining purchasing power, high business risks, and limited capital due to customer withdrawals. This study recommends the importance of regular product evaluation, business mentoring, and strengthening risk mitigation strategies as part of efforts to strengthen musyarakah financing and support the sustainability of micro-enterprises.
Indonesia Analisis Implementasi Green Banking Pada Perbankan Syariah (Studi Kasus Bank Muamalat KCP Payakumbuh) Doni Iskandar; Iiz Izmuddin; Ali Rahman; Himmatul Khairi
UNCANG : Journal of Sharia Banking and Islamic Finance Vol. 1 No. 2 (2025): December 2025
Publisher : Program Studi Ekonomi Islam - UIN Sjech M. Djamil Djambek Bukttinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/uncang.v1i2.10328

Abstract

This research is based on the increasing environmental issues that encourage banks to transform their behavior and activities known as green banking. The concept of green banking is banking that emphasizes the implementation of sustainability in operational activities. Thus, banks strive to implement environmentally friendly practices by reducing the carbon footprint generated from banking operational activities. This study aims to analyze the implementation of the green banking concept in Islamic banking with a case study at Bank Muamalat KCP Payakumbuh. The research method used is descriptive qualitative with a field study approach, through direct interviews with parties at Bank Muamalat KCP Payakumbuh, and documentation. Data analysis techniques in this study are data collection, data reduction, data presentation, and drawing conclusions/verification. The results of the study indicate that Bank Muamalat KCP Payakumbuh has implemented green banking in stages based on research indicators, namely green banking indicators, namely Carbon Emissions, Green Building, Paperless, Reuse/Recycle/Refurbish Green Rewards And Green Investment. The implementation of environmentally friendly practices provides operational efficiency achieved through the implementation of green banking, helping banks reduce costs and increase work efficiency. The use of technology also plays a role in accelerating service processes and increasing customer satisfaction.
Co-Authors Ali Rahman Doni Iskandar Himmatul Khairi Irvan Habib