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Efektivitas Monitoring Sebagai Upaya Meminimalisir Pembiayaan Bermasalah Alfani, Muhammad; Solihin, Khabib
JIOSE: Journal of Indonesian Sharia Economics Vol 2 No 1 (2023): Maret 2023
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v2i1.527

Abstract

Financing is a productive activity carried out by KSPPS (Shari'ah Savings and Loans Cooperative) by channeling funds to members who apply for financing. With the existence of financing activities, it cannot be separated from the existence of financing risks. Non-performing financing is a fatal risk if ignored. So to minimize the risk of problematic financing KSPPS (Shari'ah Savings and Loans Cooperative) needs to have a specific strategy, one of which is financing monitoring. Related to this, this research was conducted to examine how the effectiveness of monitoring in minimizing problem financing. This research is a qualitative descriptive study with the research object of KSPPS BMT Harber Tanggulasi Jepara. The data obtained through interviews, observation and documentation. The collected data were then analyzed using the Miles and Huberman model through three stages, namely data reduction, data presentation, and drawing conclusions. From this study it can be concluded that 1) The implementation of monitoring carried out by KSPPS BMT Harber Tanggulasi Jepara consists of three monitoring, namely indirect monitoring (administrative monitoring), direct monitoring (field monitoring), and follow-up monitoring. 2) Monitoring of problem financing by KSPPS BMT Harber Tanggulasi Jepara has been running effectively, this is evidenced by the decrease in the NPF rate from 15% to 12%. However, the officer in charge of financing must routinely evaluate performance. In order to be able to analyze the problem carefully and field execution can run well.
Peningkatan Kualitas Pengelola dalam Menyusun Laporan Keuangan pada BUMDes Ngudi Makmur Desa Sundoluhur Kecamatan Kayen Kabupaten Pati Solihin, Khabib; Ami'in, Siti Nur; Jumadi, Jumadi
Journal of Dedicators Community Vol 8, No 1 (2024)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jdc.v8i1.3740

Abstract

As a business entity managed by the community and village government, BUMDes must make financial reports of all business units as a form of accountability for managing funds provided by the village government to BUMDes. In general, BUMDes bookkeeping principles are not much different from bookkeeping financial statements at other institutions in general, BUMDes must record all financial transactions systematically according to the accounting system. Based on the results of observations and interviews, the problem faced by BUMDes in Sundoluhur village, Kayen sub-district, Pati district is the lack of knowledge and ability of BUMDes managers in compiling BUMDes financial reports correctly according to accounting standards. Based on the results of these observations, this service is carried out to increase knowledge and ability for BUMDes managers in preparing BUMDes financial reports properly and correctly in accordance with Financial Accounting Standards - Entities Without Accountability (SAK ETAP). This activity is carried out through several stages including planning, training, and assistance in preparing BUMDes financial reports. The result of this activity is that the BUMDes management is able to prepare financial reports properly and correctly in accordance with accounting standards by using the financial applications provided.
Analisis Komparasi Tingkat Kesehatan Bank Syariah Indonesia dan Bank Central Asia Syariah dengan Metode RGEC Nuriyah, Lailatun; Solihin, Khabib
JIOSE: Journal of Indonesian Sharia Economics Vol 4 No 1 (2025): Maret 2025
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v4i1.1599

Abstract

This study analyzes the comparative performance of Bank Syariah Indonesia (BSI) and Bank BCA Syariah using financial ratios with the RGEC approach (Risk Profile, Good Corporate Governance, Rentability, and Capital), based on the Financial Services Authority (OJK) Regulation No. 08/POJK.03/2014. This research employs a quantitative method with a descriptive analysis approach. Secondary data were used, obtained from financial reports and GCG reports of Bank BSI and Bank BCA Syariah for the 2019–2022 period. The analysis results indicate growth in financial ratios and GCG for both banks, leading to an increase in their composite scores each year. Bank BSI achieved composite scores of 80%, 82%, 88%, and 88% over the last four years, while Bank BCA Syariah recorded scores of 71%, 73%, 77%, and 84% over the same period. The average composite score accumulation for Bank BSI was 84.5%, whereas Bank BCA Syariah achieved an average of 76.25%. Bank BSI was ranked at level 2 ("Healthy") in 2019–2020 and improved to level 1 ("Very Healthy") in 2021–2022. Meanwhile, Bank BCA Syariah consistently maintained a level 2 ("Healthy") ranking throughout the four-year period. Thus, the health level of Bank BSI was superior to that of Bank BCA Syariah during 2019–2022.
Pelatihan Pengelolaan Website Desa Klepu dan Damarwulan Keling Jepara menuju Smart Village Solihin, Khabib; Fuaidi, Isyrokh; Maulana, Hadiyana Auliya; Mardiawan, Zaka
Kifah: Jurnal Pengabdian Masyarakat Vol 4 No 1 (2025): Juni 2025
Publisher : Mafapress Institut Pesantren Mathali'ul Falah Pati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/kifah.v4i1.1360

Abstract

Pemanfaatan Teknologi Informasi termasuk website dan internet sangat dibutuhkan dalam membangun Smart Village. Di antara desa di Kecamatan Keling Kabupaten Jepara yang telah memanfaatkan teknologi informasi tersebut adalah Desa Klepu dan Damarwulan. Secara geografis terletak di dataran tinggi dengan kondisi alam yang indah, memiliki aset fisik dan digital. Kedua desa ini memiliki website desa sebagai sumber daya digital yang digunakan oleh pemerintah desa untuk menyebarkan informasi kepada masyarakat, termasuk data demografi, kegiatan desa, dan lainnya. Namun, pengelolaan kedua website tersebut belum optimal. Kekurangan dalam pengelolaan website ini mengakibatkan tingkat akses website yang rendah serta sebaran informasi yang tidak maksimal. Untuk mengatasi masalah ini, pengabdian dengan metode ABCD (Asset Based Communities Development) dilakukan dalam bentuk pelatihan pengelolaan website dan penulisan berita yang baik. Pelatihan ini dilaksanakan pada tanggal 14 Agustus 2023 di Pendopo Cafe Desa Klepu dan dihadiri oleh pengelola website, pemerintah desa, komunitas UMKM, dan lainnya. Pelatihan ini menjelaskan materi dan praktik pengelolaan website mulai dari langkah-langkah teknis dalam membangun dan mengelola website desa, pembelian domain, hosting, instalasi sistem, serta pengisian konten. Pentingnya menjaga keamanan website desa dan literasi digital masyarakat dalam mencapai konsep Smart Village juga menjadi perhatian utama dalam pelatihan. Dengan mengelola website desa secara profesional, Desa Klepu dan Damarwulan diharapkan dapat berkontribusi lebih baik dalam menuju konsep Smart Village, yang melibatkan penggunaan teknologi informasi untuk meningkatkan kualitas hidup masyarakat pedesaan.
Paradigm, Design And Characteristics Of Sharia Economy Hakim, M Arif; Solihin, Khabib; Fuaidi, Isyrokh
IQTISHOD: Jurnal Pemikiran dan Hukum Ekonomi Syariah Vol. 2 No. 2 (2023): Volume 2 Nomor 2, Oktober 2023
Publisher : STAI Al-Mas'udiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69768/ji.v2i2.36

Abstract

Islam berfokus pada semua aspek kehidupan manusia, termasuk ekonomi. Tujuan utamanya adalah untuk mempromosikan kebahagiaan dalam distribusi kekayaan, baik secara sosial maupun individu. Penelitian ini menggunakan metode penelitian deskriptif, menganalisis literatur seperti buku, artikel, jurnal, dan media massa sebagai sumber informasi. Metode ini melibatkan pengumpulan data dari berbagai sumber yang relevan dengan topik penelitian, sehingga menganalisis norma dan nilai ekonomi Islam terkait dengan isu-isu terkini. Secara keseluruhan, tugas manusia sebagai khalifah adalah menciptakan kebahagiaan dan kesejahteraan dalam hidup, sekaligus memenuhi kewajiban ibadah dan pengabdian secara penuh. Tuhan telah memberi umat manusia dua hal, bimbingan hidup dan sarana kehidupan. Asy-Syatibi menekankan bahwa penugasan dalam syariat harus sesuai dengan tujuan doktrin Islam, yaitu daruriyyah, hajiyyah, dan tahsiniyyah. Al-Ghazali mengidentifikasi maqashid sebagai tujuan utama dalam pemeliharaan agama, jiwa, keturunan, akal, dan harta. Ekonomi syariah tidak hanya merupakan kegiatan ekonomi Islam, tetapi juga mencerminkan perilaku ekonomi berdasarkan ajaran Islam. Tujuan ekonomi syariah sejalan dengan tujuan syariah Islam, yaitu untuk kebahagiaan dan kesejahteraan di dunia dan masa depan melalui kehidupan yang baik dan dihormati.
Strategi Penguatan Kemandirian Ekonomi Pesantren Melalui Usaha Mikro Kecil Menengah Solihin, Khabib; Azro'i, Imam
Santri: Journal of Pesantren and Fiqh Sosial Vol 5 No 1 (2024): June 2024
Publisher : The Institute of Research and Service Community IPMAFA Pati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/santri.v5i1.1209

Abstract

The economic independence of Pesantren is one of the essential elements to support the role of Pesantrenin in providing educational services to the community. With economic independence, pesantren have financial resources for infrastructure development, infrastructure facilities, land expansion, and human resource development. One Pesantren with good economic independence in Pati Regency is the Pesantren Maslakul Huda. To find out the strategy for strengthening the economic independence of Pesantren through Micro, Small, and Medium Enterprises (MSMEs), this research was carried out using a qualitative method. The data collection technique uses triangulation, and the data analysis technique uses the Miles and Huberman model. The study results show that the Pesantren Maslakul Huda has an MSMEs-based business unit that plays a role in strengthening its economic independence. Through ten business units based on MSMEs, Pesantren-Owned Enterprises (BUMP) Maslakul Huda has succeeded in making a significant contribution to Pesantren's finances. The profit generated shows BUMP success in operating independently and providing crucial financial support for the operational needs of Islamic boarding schools, including for the development of infrastructure, facilities and infrastructure, human resource development, and others. Various business strengthening strategies have been implemented, including business development, business revitalization, addition of business units, and strengthening business management to realize sustainable economic independence of the Pesantren Maslakul Huda.