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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Abdimas Langkanae
Ani Khusnul Hatimah
Universitas Islam Negeri Fatmawati Sukarno Bengkulu
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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Upaya Mitigasi Risiko Pasar Pembiayaan Cicil Emas Bank Syariah Indonesia Kantor Cabang Adam Malik Kota Bengkulu Ani Khusnul Hatimah; Supardi Mursalin; Katra Pramadeka
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 11 No 2 (2026)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v11i2.31383

Abstract

This study aims to identify the forms of market risk and analyze market risk mitigation efforts in gold installment financing at Bank Syariah Indonesia's Adam Malik Branch Office in Bengkulu City. This study employed a qualitative method with a descriptive approach. Data sources consisted of primary and secondary data. Primary data were obtained through in-depth interviews and observations of pawning officers and customers using gold installment products, while secondary data were obtained from official bank documents, standard operating procedures (SOPs), and relevant literature. Data collection techniques included interviews, observation, and documentation. Data analysis utilized the stages of data reduction, data presentation, and conclusion drawing, referring to the ISO 31000:2018 risk management framework. The results indicate that the primary market risk stems from gold price fluctuations, which impact the value of collateral and potentially lead to losses for the bank. Risk mitigation efforts include customer eligibility analysis, setting appropriate margins, regular gold price monitoring, and ongoing financing oversight. The implementation of ISO 31000:2018-based risk management helps the bank manage risk systematically and structuredly, resulting in safer and more stable financing. This research is expected to contribute to the development of Islamic banking risk management, especially in gold installment financing products.
Pendampingan UMK Bakso 99 Seluma Dalam Penyusunan Laporan Keuangan Sederhana Untuk Kelayakan Pembiayaan Syariah Melalui Metode Participatory Action Research (PAR) Ardiansyah; Fitri Dhivi Lovika; Ani Khusnul Hatimah; Khairiah Elwardah; Kustin Hartini
Abdimas Langkanae Vol. 5 No. 1 (2025)
Publisher : Pustaka Digital Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53769/jpm.v5i1.400

Abstract

Usaha Mikro Kecil (UMK) memegang fungsi berharga dalam meningkatkan perekonomian daerah, tetapi tantangan dalam penyusunan laporan keuangan masih menjadi kendala dalam mengakses pembiayaan, terutama yang berbasis syariah. Penelitian ini bertujuan untuk mendampingi UMK Bakso 99 Seluma dalam penyusunan laporan keuangan simpel guna menunjang kelayakan pembiayaan syariah. Metode digunakan ialah Participatory Action Research (PAR) yang melibatkan pelaksana usaha yang aktif. Hasil pendampingan menunjukkan peningkatan signifikan dalam pencatatan transaksi harian, penyusunan laporan laba rugi, arus kas, dan neraca. Selain itu, pemahaman pelaku usaha terhadap prinsip-prinsip keuangan syariah seperti keadilan, transparansi, dan bebas riba juga meningkat. Karena adanya pendampingan ini, UMK dapat makin siap dalam mengakses pembiayaan syariah.
Co-Authors Ardiansyah Fitri Dhivi Lovika Katra Pramadeka Khairiah Elwardah Kustin Hartini Supardi Mursalin