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All Journal Jumat Pertanian: Jurnal Pengabdian Masyarakat Istismar : Jurnal Kajian dan Penelitian Ekonomi dan Bisnis Islam
Siti Fatimah
Universitas KH. A. Wahab Hasbullah
Religion Agriculture, Biological Sciences & Forestry Biochemistry, Genetics & Molecular Biology Economics, Econometrics & Finance Social Sciences Other

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PROBLEMATIKA IMPLEMENTASI PEMBIAYAAN KAFALAH DAN STRATEGI PENANGANANNYA Siti Fatimah; Amin Awal Amarudin; Bekti Widyaningsih
ISTISMAR Vol. 9 No. 1 (2026): Juni
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/y77y4233

Abstract

Abstract: Sharia microfinance institutions play a role in expanding access to financing through kafalah contracts as a guarantee instrument. This study aims to analyze the problems of kafalah financing implementation and its handling strategies at BMT Rizqona IKABU. The study uses a qualitative approach with a case study type. Data were obtained through interviews, observations, and documentation, then analyzed using the Miles and Huberman model. The results of the study indicate that the implementation of kafalah financing faces nine problems, namely low public understanding, default and misuse of funds, competition between financial institutions, limited human resources, employee discipline, inconsistency in the application of sharia principles, technological network disruptions, the absence of managers, bad debts. To overcome this, BMT applies certain strategies, namely education and socialization, administrative selection and salary deduction mechanisms, product and service strengthening, collaborative work, persuasive and gradual approaches, the implementation of a tiered system, coordination with the IT team, job levels, and payment rescheduling. Keywords: Kafalah Financing, Kafalah Problems, Handling Strategies 
Pelatihan Pembuatan Pestisida Nabati Ramah Lingkungan di Desa Gambiran Kecamatan Mojoagung Mis Suhartini; Aufia Aisa; Lailatul Mathoriyah; Fauzan Achmada; Muchamad Rahman Bagus Tohari; Siti Fatimah; Ummi Karima
Jumat Pertanian: Jurnal Pengabdian Masyarakat Vol. 5 No. 1 (2024): April
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/abdimasper.v5i1.4169

Abstract

The lack of public understanding in the use of natural materials in making environmentally friendly pesticides is the basis for holding outreach to the Gambiran Village Farmers Group (POKTAN). Through this activity, it is hoped that farmers can increase their understanding of using natural materials to create works and not incur large costs because they can use materials that are easily accessible for products. This activity was carried out at the Gambiran village sports hall, Mojoagung Jombang on September 7, 2023. The target of this activity was the Gambiran Village farmer group with a total of 6 participants who were able to attend. This workshop and training was accompanied by resource person Mrs. Suhartini, SP, MM. as a lecturer at KH University. A. Wahab Hasbullah Jombang. The approach method in this activity includes lecture methods, discussions, question and answer sessions and practice in front of training participants directly. The results of this socialization received a positive response which can be seen from the results of the training, namely increasing the enthusiasm of residents to be enthusiastic about making vegetable pesticides.
Co-Authors Aisa, Aufia - Amin Awal Amarudin Bekti Widyaningsih Fauzan Achmada Lailatul Mathoriyah Mis Suhartini Muchamad Rahman Bagus Tohari Ummi Karima