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All Journal Jurnal Kesehatan Olahraga Kelola: Journal of Islamic Education Management Jurnal Ilmiah Edunomika (JIE) Abdimasku : Jurnal Pengabdian Masyarakat Jurnal ABDIKU re-JIEM (Research Journal of Islamic Education Management) International Journal of Islamic Boarding School
SOLEH, BADRUS
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Religion Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences Other

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FENOMENA PEMBIAYAAN BAGI HASILPADA BMT UGT NUSANTARA DI PASURUAN Soleh, Badrus; Ridwan, Muhtadi; Khusnudin, Khusnudin
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 4 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i4.16167

Abstract

This research aims to analyze the obstacles that are factors in the lack of profit sharing financing at BMT UGT Nusantara. This research uses a qualitative approach with phenomenological methods to examine the process of determining financing schemes, implementing profit sharing financing and identifying the causes of the lack of profit sharing financing at BMT UGT Nusantara. Data collection was carried out through in-depth interviews with informants such as financial managers, business managers, branch heads, account officers and members of BMT UGT Nusantara. Apart from that, field observations and analysis of financing documents were also carried out to obtain a comprehensive picture.  Data analysis was carried out using three analytical steps suggested by Miles and Huberman (2007), namely data reduction, data exposure and conclusion drawing or verification. The results of this research indicate that determining the financing scheme is the internal authority of BMT UGT Nusantara with the knowledge and approval of members. Financing with a profit sharing scheme is only used for companies that are already established, while small businesses use non-profit sharing financing. The lack of financing with a profit sharing scheme is due to several obstacles such as high risk, quality of human resources, asymmetric information, moral hazard, minimal understanding of members and member preferences.
Co-Authors Abdul Aziz Hakim Ahmad Khumaidi Astri Norisa Irfandari Athena, Tera Buna'i Chatarina Umbul Wahyuni ERNY ROESMININGSIH Fauziyah, Selvi Hafidz, Moh Hilmi Qosim Mubah Ismail, Aflahah KACUNG WAHYUDI, KACUNG Karofis, Shofiatul Khusnudin Khusnudin, Khusnudin Kiptiyah, Mariyatul Kristanti Ayuanita, Kristanti Lis M, Ika Masrurah , Waqiatul Mutaqqin, Imam Ridwan, Muhtadi Siti Azizah Supratno, Haris