Garuda - Garba Rujukan Digital

Analysis Of Baitul Maal Wat Tamwil Problems Due To The Covid-19 Pandemic In Tasikmalaya Nasrulloh, Agus Ahmad; Nurhasanah, Elis; Wijaya, Trisna
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 6, No 1 (2022)
Publisher : Univeristas Islam Bandung

This study aims to determine the most dominant impact of the COVID-19 on Baitul Maal wa Tamwil (BMT) and to find the right solution to the problems faced by BMTs in Tasikmalaya. The method used in this research is descriptive mixed method (qualitative and quantitative) using Analytic Network Process (ANP). The results show that the impact of the pandemic on BMT finances is an increase the NPF ratio, and the solution to overcome this financial impact is the institutions should be more selective in terms of financing management, collateral, surveys, and financing risk. Impact on personnel or employees is the decrease in employee productivity, the solution is providing rewards to increase productivity, while the external impact affects the business stability of MSMEs who are the member of BMT, starting to get bottlenecks and went out of their business, and the solution is to provide business education to businessman.

Analisis Penanganan Risiko Pembiayaan Murabahah di BMT Al-Hidayah: Analisis Penanganan Risiko Pembiayaan Murabahah di BMT Al-Hidayah Nasrulloh, Agus Ahmad; Maryanti, Anisa; Asep, Suryanto
Islamic Economics and Business Review Vol 2 No 3 (2023): IESBIR, December 2023
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59580/iesbir.v2i3.6677

AbstractThe aim of this research is to analyze the risk management of Murabahah financing at BMT Al Hidayah during the Covid-19 pandemic. This type of research is qualitative research with descriptive methods. Data collection techniques used interview techniques with BMT Al Hidayah Kawalu Tasikmalaya, observation and documentation. The research results show that BMT Al Hidayah experienced a decrease in its Non- Performing Financing (NPF) ratio of 8.81% (2020) and 1.47% (2021). BMT Al Hidayah immediately carried out risk mitigation in the form of reducing financing distribution, carefully implementing the precautionary activity principle, and handling problematic financing. BMT Al Hidayah takes several actions, namely preventive actions through financing analysis using the 5C principle and revitalization actions, namely restructuring. Apart from that, BMT Al Hidayah also carries out curative actions, implementing these actions is carried out if various other actions have been carried out. If three warning letters have been issued, the final solution is to execute the guarantee or sell the financing customer's assets.Keywords: BMT; NPF; FinancingAbstrakTujuan penelitian ini adalah untuk menganalisis penanganan risiko pembiayaan Murabahah pada BMT Al Hidayah pada masa pandemi Covid-19. Jenis penelitian ini adalah penelitian kualitatif dengan metode deskriptif. Teknik pengumpulan data menggunakan teknik wawancara dengan pihak BMT Al Hidayah Kawalu Tasikmalaya, observasi, dan dokumentasi. Hasil penelitian menunjukkan bahwa BMT Al Hidayah mengalami penurunan rasio NonPerforming Financing (NPF) sebesar 8.81% (2020) dan 1,47% (2021). BMT Al Hidayah melakukan mitigasi risiko berupa pengurangan penyaluran pembiayaan, penerapan prinsip kegiatan-hatian yang dilakukan secara cermat, dan penanganan pembiayaan bermasalah. BMT Al Hidayah melakukan beberapa tindakan yaitu tindakan preventif melalui analisis pembiayaan yang menggunakan prinsip 5C dan tindakan revitalisasi yaitu restrukturisasi. Selain itu, BMT Al Hidayah juga melakukan tindakan kuratif, pelaksanaan tindakan ini dilakukan jika berbagai tindakan lain sudah dilakukan. Jika pemberian surat peringatan sebanyak 3 kali sudah disampaikan, maka solusi jalan terakhir yaitu dengan mengeksekusi jaminan atau penjualan aset nasabah pembiayaan.Kata kunci: BMT; NPF; Pembiayaan

ECONOMIC EMPOWERMENT OF PESANTREN AND ITS IMPACT ON COMMUNITY WELFARE IN RAJAPOLAH, TASIKMALAYA: A CIBEST MODEL APPROACH Milah, Joharul; Nasrulloh, Agus Ahmad; Friantoro, Dian
Al-Infaq: Jurnal Ekonomi Islam Al-Infaq: Jurnal Ekonomi Islam, Vol. 15, No. 1 (2024)
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/ajei.v1i1.2722

This study aims to determine the impact of economic empowerment program of islamic boarding school or pesantren through the procurement of the Laundry business unit of Pesantren Darussalam in Rajapolah Tasikmalaya by measuring community welfare after participating in the the Pesantren economic empowerment program. The research method used is descriptive quantitative using the CIBEST Model which measures the level of material and spiritual welfare of the community. The data collection technique in this study used a questionnaire with a sample size of 39 people who had participated in the DN Laundry business unit program. The results showed that the economic empowerment of Pesantren Darussalam Rajapolah Tasikmalaya through the DN Laundry business unit program can increase community income and spirituality. This shows that the DN Laundry business unit program is the right empowerment program to have a positive impact on improving community welfare.

Optimization of Islamic Financial Schemes for MSMEs Development Nasrulloh, Agus Ahmad; Nurhasanah, Elis; Sukmawati, Heni; Joni, Joni
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 8 No. 2 (2024): December 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v8i2.8252

Abstract The growth rate of Micro, Small, and Medium Enterprises (MSMEs) in the City/District of Tasikmalaya has increased steadily over the past six years at around 6.18% annually. MSMEs face challenges related to capital and business development, and the proposed solution is cooperation with financial institutions. However, MSMEs find it difficult to obtain financing from formal financial institutions due to a lack of collateral and sufficient knowledge about financing schemes suitable for their businesses. As a result, MSMEs have to seek funding from non-formal lenders with ribawi contracts, which contradict Islamic principles and local regulations. This practice is also inconsistent with Local Regulation No. 7 of 2014 of Tasikmalaya City and Governor Regulation No. 1 of 2022 of West Java. The aim of this research is to analyze opportunities, challenges, and strategies for optimizing shariah finance in the MSME sector in Tasikmalaya City/Regency. The type of research carried out was descriptive research with a mixed-method approach (qualitative and quantitative) using the Analytic Network Process (ANP). There were 8 respondents in this research, consisting of academics, practitioners, and regulators of Islamic financial institutions in Tasikmalaya City/Regency. The research results show that there are four problems and four solutions to optimize Islamic financial schemes in developing MSMEs, namely community problems, institutions, access, and regulations. The problems and solutions that must be addressed are primarily in society. Massive Islamic financial education needs to continue to be carried out, supported by access to Islamic financing and also the government's firmness in supporting MSMEs through Islamic financial institutions. Tingkat pertumbuhan UMKM di Kota/Kabupaten Tasikmalaya meningkat stabil selama enam tahun terakhir dengan pertumbuhan 6,18% setiap tahunnya. UMKM mengalami kendala terkait modal dan pengembangan usaha, dan solusi yang diusulkan adalah kerjasama dengan lembaga keuangan. Namun, UMKM kesulitan mendapatkan pembiayaan dari lembaga keuangan resmi karena tidak memiliki jaminan dan pengetahuan yang cukup tentang skema pembiayaan yang cocok untuk bisnis mereka. Akibatnya, UMKM harus mencari dana dari pemberi pinjaman non-formal dengan akad ribawi, yang bertentangan dengan prinsip Islam dan regulasi setempat. Praktik ini juga tidak sejalan dengan Peraturan Daerah Kota Tasikmalaya Nomor 7 Tahun 2014 dan Peraturan Gubernur Jawa Barat Nomor 1 Tahun 2022. Tujuan dari penelitian ini adalah untuk menganalisis peluang, tantangan dan strategi optimalisasi keuangan syariah pada sektor UMKM di Kota/Kabupaten Tasikmalaya. Jenis penelitian yang dilakukan adalah penelitian deskriptif dengan pendekatan Mixed Method (kualitatif dan kuantitatif) dengan menggunakan Analytic Network Process (ANP). Terdapat 8 orang responden dalam penelitian ini yang terdiri dari praktisi, akademisi, dan regulator lembaga keuangan syariah di Kota/Kabupaten Tasikmalaya. Hasil penelitian menunjukkan bahwa terdapat empat permasalahan dan empat solusi untuk mengoptimalkan skema keuangan syariah dalam mengembangkan UMKM, yaitu permasalahan masyarakat, kelembagaan, akses, regulasi. Permasalahan dan solusi yang harus dibenahi terutama pada masyarakat. Edukasi keuangan syariah secara masif perlu terus dilakukan, didukung dengan akses pembiayaan syariah dan juga ketegasan pemerintah dalam mendukung UMKM melalui lembaga keuangan syariah.

Islamic Cooperatives: A Review of the Theory of Truth in Islamic Economic Philosophy Nasrulloh, Agus Ahmad; Syarif, Nurrohman; Ridwan, Ahmad Hasan
JURNAL EKONOMI SYARIAH Vol 10, No 1 (2025): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v10i1.14262

Introduction to The Problem: Islamic cooperatives have an important role in the national economy, especially for business actors in the Micro, Small and Medium Enterprises sector. However, currently the function and role of this financial institution cannot run optimally because it is faced with problems originating from internal and external Islamic cooperatives. This is allegedly contrary to the theory of truth in Islamic philosophy.Purpose/Objective Study: This research aims to examine and analyse the role and function of Islamic cooperatives in terms of the theory of truth in Islamic philosophy.Design/Methodology/Approach: This research is a type of qualitative research in the form of library research which is qualitative in nature.Findings: Islamic cooperatives have a strategic role in supporting the development of MSMEs, with approaches that are aligned with theories of truth, such as correspondence theory that emphasises conformity with reality, coherence theory that prioritises consistency in value systems, pragmatism theory that focuses on practical benefits, and performative theory that assesses the effectiveness of actions in achieving goals. The low level of Islamic financial literacy among MSME players, which often hinders their understanding of the benefits of Islamic financing. In addition, intense business competition in the market is also a significant obstacle that requires a special strategy. By overcoming these obstacles, Islamic cooperatives can further strengthen their function as a key pillar in supporting the sustainable growth of MSMEs.Paper Type: Research Article

Problem and Solution Decomposition KSPPS Baitul Maal wa Tamwil in Maintaining the Sustainability of MSMEs Nasrulloh, Agus Ahmad; Marlina, Lina; Nurhasanah, Elis; Joni
Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Vol. 9 No. 2 (2025): Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v9i2.4867

This study analyzes the problems and solutions faced by KSPPS Baitul Maal wa Tamwil (BMT) in supporting the sustainability of Micro, Small, and Medium Enterprises (MSMEs) in Tasikmalaya. Using the Analytic Network Process (ANP) method and involving nine expert respondents from academic, practitioner, and regulatory backgrounds, the study identifies key internal and external challenges. The most dominant internal issue is the low quality of human resources, while the main external problem is the lack of public literacy and awareness of Islamic finance. Solutions include improving HR competence through Islamic economics training and implementing effective regulations for BMTs and the community. The study highlights the effectiveness of the ANP method in mapping issues and offers both theoretical and practical implications. Key recommendations are digital infrastructure development, stronger supervision from regulators, and collaboration with educational and religious institutions to strengthen public trust and financial literacy in the Islamic microfinance sector.

Pengembalian Fungsi Baitul Mal Wa Tamwil melalui Strategi Penyelesaian Masalah Rentenir di Tasikmalaya Nasrulloh, Agus Ahmad
Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Vol. 4 No. 1 (2020): Amwaluna : Jurnal Ekonomi dan Keuangan Syariah
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v4i1.8084

This study aims to find problems and solutions to restore the function of Baitul Mal Wa Tamwil through strategies to resolve moneylenders in Tasikmalaya. The method used is a qualitative-quantitative method with an analytic network process (ANP) approach. The results showed that the main problems that hampered the implementation of BMT functions caused by moneylenders in terms of educational problems were "weak education regarding usury (usury fiqh)", economic problems namely "urgent life necessities", environmental problems namely "very easy to access moneylenders" And from the regulatory problem namely "there is no firmness of the government towards moneylender". While the best solution to restore the function of BMT through the moneylender settlement strategy consists of an educational solution that is "socialization by academics and legislators regarding the importance of BMT, usury fiqh", economic solutions namely "convoluted non-interest government revolving fund assistance", the environmental solution is "the role of the RT and RW leaders to eradicate moneylenders", and a regulatory solution namely "the firmness of the government in overcoming the rampant moneylenders including sanctions".

Analysis Of Sharia Financial Aspects In Baitul Maal Wa Tamwil During Covid-19 Pandemic Nasrulloh, Agus Ahmad; Wijaya, Trisna
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 7, No 2 (2023)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/amwaluna.v7i2.10856

This study aims to examine the impact of the Covid-19 pandemic on the financial aspects of BMTs or Baitul Maal wat Tamwil (sharia cooperatives) in Tasikmalaya, as well as finding solutions deemed appropriate according to respondents’ agreement. The method used is the Analytic Network Process (ANP). The results of the study show that there are three elements in the financial aspects affected by the pandemic. The first is liquidity. The pandemic caused a high number of problematic financing, hence the solution is limiting financing approval. The second is profitability. To boost the already-low availability of funds, a BMTs should sell unproductive assets. Lastly is the third party funding. The drop in creditors’ level of confidence must be solve by fostering public trust. The implication of this study will improve the financial condition of BMT, so it can rise from the downturn due to the pandemic.

Perbandingan Mekanisme Penentuan Ujroh Pembiayaan Gadai Emas Syariah di Bank BJBS dan Bank BSI Wijaya, Trisna; Nasrulloh, Agus Ahmad
JURNAL EKONOMI SYARIAH Vol 7, No 2 (2022): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v7i2.5684

Gold pawn financing is one of the financing that the public is interested in. the gold pawn financing has a lower risk than other financing product, because the collateral has been held by creditor, stable gold price and gold price tend to rise. With a low risk profile, several Islamic financial institutions are interested to provide this financing product, including BJB Sharia Bank and BSI Bank. The profit taken by the bank named ujrah. BJB Shariah Bank dan BSI bank has a different mechanism to calculate the ujrah. The rules regarding sharia gold pawn financing have been regulated in fatwa DSN-MUI number 25 in 2002 about rahn and number 26 in 2002 about gold rahn. This regulation should be used as the guideline for financial institutions that provides gold pawn financing.

FASILITAS DAN SISTEM KOMPENSASI DAMPAKNYA PADA KINERJA KARYAWAN DI BANK BJB SYARIAH KCP. KUNINGAN Apriyani, Regi Destanti; Rahmat, Biki Zulfikri; Nasrulloh, Agus Ahmad
JURNAL EKONOMI SYARIAH Vol 6, No 2 (2021): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v6i2.3738

Good employee performance will be achieved if you pay attention to what factors can influence it. The case that occurred at Bank BJB Syariah KCP Kuningan was that employees complained about work facilities and the compensation system. The method used in this study is a descriptive method with a qualitative approach. With two data sources, namely primary data sources consisting of leaders and all employees at Bank BJB Syariah KCP. Brass and secondary data sources consisting of documents both in writing and photos at Bank BJB Syariah KCP. Brass. Data collection techniques used are interviews, observation and documentation. The research instrument is the researcher himself as the main instrument in the research, observation guide and interview guide. The results showed that the facilities provided by Bank BJB KCP. Kuningan is inadequate, the internet network is often disturbed, the lack of operational vehicles, the parking area is not large enough, thus disrupting employee performance. As for compensation, the institution has given it fairly and fairly well in accordance with existing regulations. Both of these things certainly have an impact on employee performance, so that it can be said that the failure of the BJB Syariah Bank, Kuningan Sub-Branch Office, has not been able to meet the needs to improve employee performance.

Title

Found 10 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 10 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 10 Documents
Search