Diah Dwi Rizki Putri Qomariyah Diah
Universitas Nahdlatul Ulama Sunan Giri

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Implementation of Rahn Financing SOPs to Support the Sustainability of MSME Financing: A Case Study of the BMT At-Tajdid Sharia Cooperative: Implementasi SOP Pembiayaan Rahn dalam Menunjang Keberlanjutan Pembiayaan UMKM: Studi Kasus Koperasi Syariah BMT At-Tajdid Qurotul Aini Salma Sasaria Salma; Diah Dwi Rizki Putri Qomariyah Diah; Eko Arief Cahyono Eko; Sri Wahyuni Wahyuni; Moch. Darul Iksan Darul; Mey Shofi Nurmawati Shofi; M. Shohibul Hikam Hikam; M. Nashir Kholid Nashir; Moch. Sirodjul Mustofa Sirodjul
Jurnal Keuangan dan Perbankan Syariah Vol 5 No 2 (2026): Agustus 2026
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v5i2.6424

Abstract

Abstract   Purpose: This study aims to analyze the implementation of the Standard Operating Procedure (SOP) of rahn financing in supporting the sustainability of Micro, Small, and Medium Enterprises (MSMEs) financing at Koperasi Syariah BMT At-Tajdid Temayang Design/methodology/approach: This research employed a qualitative approach using field research and library research methods. Data were collected through interviews, observations, scientific journals, DSN-MUI fatwas, regulations, and other relevant literature. Data analysis was conducted using a descriptive qualitative approach to examine the implementation of the rahn financing SOP and its contribution to sustainable MSME financing. Research Findings: The findings indicate that the implementation of the rahn financing SOP includes administrative screening, field surveys based on character and collateral assessment, financing committee meetings, collateral valuation, and the determination of ujrah in accordance with sharia principles.   Contribution/Originality/Novelty: These processes contribute to financing risk mitigation, maintaining financing quality, and supporting the sustainability of financing distribution to MSMEs through more selective decision-making based on character and collateral aspects. This study contributes academically by enriching the literature on the implementation of rahn financing SOPs in Islamic microfinance institutions. The novelty of this research lies in its focus on SOP implementation as a preventive strategy to support sustainable MSME financing at Koperasi Syariah BMT At-Tajdid Temayang.