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Journal : Jurnal Ekonomi, Manajemen, Akuntansi

Peran Pembiayaan Murabahah Baitul Maal Wat Tamwil dalam Mendukung Perkembangan Usaha Mikro Euis Naely Minatika; Purwanto Purwanto; Achmad Labib
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 3 No. 3: Maret 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v3i3.2957

Abstract

This research delves into the pivotal role played by Baitul Maal Wa Tamwil (BMT) in elevating micro-business income, specifically focusing on the impact of Murabahah financing offered by BMT Eka Mandiri in Indonesia. Employing a qualitative method, the study aims to comprehensively explore and understand the multifaceted role of Murabahah financing in supporting micro-businesses. The overarching goal is to shed light on how this form of financing contributes to the economic well-being of micro-entrepreneurs. The research findings underscore the positive and transformative impact of Murabahah financing provided by BMT Eka Mandiri on the income of micro-business actors. One of the key benefits identified is facilitating easier and more affordable access to capital. This improved accessibility empowers micro-business owners to enhance their production capacity and diversify their range of products, subsequently opening avenues for increased revenue. The Murabahah financing mechanism employed by BMT Eka Mandiri addresses the financial needs of micro-businesses and catalyzes business growth. By providing a structured and Sharia-compliant approach to financing, BMT Eka Mandiri fosters an environment where micro-entrepreneurs can thrive and expand their ventures. Furthermore, the research reveals that this form of financing contributes to the resilience and sustainability of micro-businesses.
Mitigasi Risiko Pembiayaan Bermasalah Pada Baitul Maal Wat Tamwil Saudara Muhammad Alif Muzakki; Purwanto Purwanto; Yeny Fitriyani
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 3 No. 3: Maret 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v3i3.2958

Abstract

Baitul Mal Wat Tamwil (BMT) is a microfinance institution that provides financial services to the community based on Islamic principles. However, a common challenge faced by BMT is problematic financing. This researcher aims to determine the factors that cause financing risk and mitigate the risk of financing problems at BMT Brothers. A descriptive method with a qualitative approach was used because it can provide a comprehensive picture of how financing risk mitigation was carried out with BMT leaders as research respondents in November – December 2023. The research results were obtained by knowing the factors causing financing problems (internal and external), and then conducting a 6C analysis to mitigate financing risks. The research conclusion is that risk mitigation is important in maintaining member trust and reducing the risk of financing problems at your BMT. The limitation of this research is that it does not use quantitative methods and only examines one BMT. It is hoped that the research can provide input for further research to develop the analytical methods used and increase knowledge for further research.
Bisnis Website di Era Digital: Analisis Tantangan dan Peluang Pada Usaha Fastdigital Muhamad Makhfud Fakhrudin; Purwanto Purwanto
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 3 No. 3: Maret 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v3i3.2997

Abstract

In the digital era, business is growing rapidly, especially in the context of website business. This article analyses the challenges and opportunities faced by FastDigitale Enterprises, a start-up in the website building business. The main challenges include cybersecurity, data privacy, fierce competition, rapid technological trends, dependence on technology, lack of digital skills, cost of implementing technology, customer acceptance, customer trust, legal compliance, scalability, changing consumer behavior, and limited resources. On the other hand, opportunities involve website creation for local businesses, e-commerce solutions, personal portfolios & blogs, web application development, mobile responsive websites, digital consulting services, and security & secure web development. With a holistic approach, this article details strategies to overcome challenges and Capitalism on opportunities, guiding FastDigitale to success in the digital age.
Co-Authors A'yuni, Diah Syifaul Abdul Ghofur Abdul Latip, Abdul Abdul Rosyid Abdul Syukur Achmad Labib Achmad Labib Achmad Nur Alfianto Achmad Nur Alfianto Ade Wahyudin, Ade Adi Fahrudin Adiguna, Vinsent Brilian Aditya, Marcellino Ahmad Bayu Ahmad Efendi Efendi Ahmad Mustofa Ahmad Rofiq, Ahmad Ajib Susanto Akhmadi Akhmadi Alfaqih, Muhammad Yusuf Alfianto, Achmad Nur Amalia Amalia Angkoso, Sutanto Prasetyo Anisatul Azizah, Anisatul Ansori, Miswan Aqqad, Muslihul Arabiyah, Syarifah Arifin Arifin Aryanti, Yosi Assodiqoh, Nur Ma'rifah Aulia, Rahma Budiyarsih Catur Supriyanto Chatarina Umbul Wahyuni Dakusta Puspitasari, Dakusta Datu Mussolini Sinsuat Lidasan Defa Meliasari Dhea Yustiana Safitri Diah Rahmawati Djamil, Abdul Dyna Marisa Khairina Edi Noersasongko Eka Oktaviani Eka Oktaviani Endang Mugiastuti Erwin Dwi Nano Euis Naely Minatika Fachrizi, Ach Resa Fadilla, Nurlita Dewi Faizin, Muhammad Asrofi Fatkhul Ngali Fauziah, Nur Dinah Ferry Firmawan Fitri Wulandari Fitriyani, Yeny Fuad Yanuar Ahmad Rifa'i Giyoto Hadiyanto, Ide Prima Hafel, Muhlis Haifah Nabilatul Azizah Halipah Halipah Hasyim HS, Ahmad Fuad Heni Pujiastuti Hery Widijanto Honorata Ratnawati, Honorata Ratnawati Ibnu Firmansyah, Ibnu In'amuzzahidin, Muh Indahsari, Sutriyana Iqbal Maulana Isnaeni, Fenty Chakimatul Ivan Wagner Jaluanto Sunu, Jaluanto Sunu Johan Arifin Kar, Kevin Lensrich Kholidah, Nur Korniadi, Kristian Kristiadi, David Kusumo Nugraheni, Dinar Mutiara Labib, Achmad Lafi Na’imatul Bayyinah Laili Syarifah Leana, Ni Wayan Anik Lia Nur Cahyani Lidasan, Datu Mussolini Sinsuat M. Pudail Makbul Muksar Makrifatul Ulum Malikhatul Khayati Mar’atus Sholikhah Marjuni, Aris Maryono . Maryono Maryono Masvika, Hendra Memmase, Joice Zhenrike Milna Wafirah Milna Wafirah Misbah Zulfa Elizabeth Muchammad Muchammad Muhamad Makhfud Fakhrudin Muhammad Afif Ma’ruf Muhammad Alif Muzakki Muhammad Sulthon Muhammad Sulthon Mukhamat Nasikin Nailatul Muna Najiyah, Nabila Lailatun Nala Khilmi Nawal Nur Arafah Niken Febrian Nova Rijati Nugroho, Yudistira Nur Alfianto, Achmad Nur Hidayah Nur Khasanah Nur Latifah Pambudi, Fajar Pandu Dwi Handika Paramita, Cinantya Pasya, Dhel Juni Pratama, Rama Adi Pudail, M. Qariru, Davin Elian Qomari, Nurul Ramadani, M. Kevin Rianti, Nurul Safia Rifa'i, Fuad Yanuar Akhmad Rifai, Fuad Yanuar Akhmad Rifa’i, Fuad Yanuar Akhmad Riliandhita, Riliandhita Risqa Naila Khusna Syarifah Rizki Yati, Heliana Rohana, Dwi Kristika Rosowulan, Titis Salman Faris Insani, Salman Faris Saputra, Ahmad Ghulami Adyan Danar Saputri, Amalia Oevina Sausan Salsabila Setiyo, Eko Setyawan, Mahendra Anang Shodiq Abdullah Sholikhun, Muhammad Shrestha, Rajendra P Sinaga, Daurat Siswanto Siswanto Siti Khoiriyah Subanji Subanji Sudirman Sudirman Sugeng Utaya Sulis Rokhmawanto Susanti, Weti Sutopo Sutopo Syamsuri Syarifuddin, Sitti Aetika Syifa, Fatimatus Tajun Yuhsinun Tandirerung, Thella Tituk Utari Tri Nur Fadilah Ulin Ni’matul Mustaniroh Wagiyo Wagiyo Wahab Wahab Wahyu Budi Santosa Wibowo, Titania Jenny Wijaya, Danang Bagus Wijaya, Roma Wijayanti, Ariyani Wahyu Wisnu Azhari Yaacob, Noorayisahbe Mohd. Yeny Fitriyani Yeny Fitriyani Yusup Rohmadi Zahra, Aulia Putri Fatiya Zainal Arifin Hasibuan