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Sistem Pengendalian Resiko Gagal Bayar Nasabah Pembiayaan Di BMT Amanah Ummah Surabaya Toyyibi, Abdul Majid
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 5 No. 01 (2025): Maret 2025
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v5i01.951

A Sharia financial institution such as BMT Amanah Ummah expects a health in financing its customers, but the running of financing activities certainly emphasizes that the implementation of technical rules that will occur in the event of default problems so that risk control becomes the main thing for BMT analysts. The purpose of this study is to determine the BMT risk control system in the occurrence of the risk of default of financing customers. While this study is a type of field research which then uses qualitative as its research approach. In order to obtain credible results, the researcher carried out data collection techniques, data analysis to the validity of the data. The results of the study are that an analyst of BMT Amanah Ummah prioritizes the principle of prudence as an initial control because it is the main basic part that must be considered in addition to also having to review it based on the character of its customers.

Evaluating the Financial Performance of BMT Al Fithrah After Rebranding as BMT Kedinding: A Case Study on Savings and Funding in Surabaya Toyyibi, Abdul Majid; Hidayat, Imam; Farhan, Shohibatul
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 12, No 2: Agustus 2025
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v12i2.29364

This study analyzes the shift in profitability experienced by BMT Al Fithrah following its transformation into BMT Kedinding in Surabaya after implementing a new strategy in the management of savings and funding. The primary focus of this research is to understand how the institution’s approach to managing savings and financing has influenced its profitability post-rebranding and strategic realignment. Additionally, this study explores the key factors affecting profitability, including fund management policies and customer relationship practices.The objective of this research is to gain a comprehensive understanding of how changes in saving and funding strategies have impacted the profitability performance of BMT Kedinding. It also seeks to uncover managerial and operational insights that can support the institution’s future growth and financial sustainability. A qualitative case study approach was adopted, with data collected through in-depth interviews with BMT Kedinding’s management and direct observation of operational activities. The data were analyzed thematically to identify recurring patterns associated with improvements in profitability.The findings reveal that the transformation into BMT Kedinding, accompanied by more structured and focused management of savings and funding, has led to significant positive changes in the institution's profitability. This is evidenced by increased profits and the expansion of branches beyond Surabaya. Improved service quality, stronger customer relationships, and more efficient fund management have emerged as critical drivers of revenue growth and financial stability. Consequently, this study concludes that the post-rebranding saving and funding strategies have made a substantial contribution to enhancing the profitability of BMT Kedinding.

Problematika Akad Pinjaman Suka Rela Sebagai Relasi Bisnis Dalam Praktek Di Lembaga Keuangan Syariah (Studi Kasus BMT di Surabaya Utara) Toyyibi, Abdul Majid; Bilal, Bilal; Fauzi, Muhammad
Tijarah: Jurnal Ekonomi Syariah Vol 2, No 1 (2023): Tijarah: Jurnal Ekonomi Syariah
Publisher : CV Widina Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59818/tijarah.v2i1.318

Islamic financial institutions have dominated the various needs of the community, especially in BMT Nusantara and BMT Maslahah. Its existence is a great hope to be able to provide high benefits, especially non-profit financing so that the need for it will form a marker for the community of the importance of BMT in the midst of society. This research uses a type of field research with a descriptive qualitative approach, the research was carried out in the northern Surabaya area and collected data in the form of direct observation followed by direct interviews to the documentation needed in this study. In the end, data analysis was carried out previously by checking through the validity of the data using data trianggulation with the aim that the research obtained could be directed and could be accounted for its validity. The result of this study is that BMT Nusantara in its application is based on the rules and provisions of the Fiqh rules as its guidelines, while BMT Maslahah also makes the teachings of fiqh as its basis for meeting its requirements and validity. Furthermore, judging from the business strategy, it is more about the fulfillment of society in its needs so that the strategy does not interest the benefits but rather the taawun which is essentially recommended in Islamic law.

Implementation Of Electronic Money In Developing Payment Transactions Through Islamic Economic Perspective Toyyibi, Abdul Majid
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 1 No. 1 (2019)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2019.1.1.4098

AbstractPurpose - By upholding the value of sharia principles economic activities. Electronic money is a financial transaction that is used by the community as a substitute for cash, and ottopay is part of it, to help become a financial intermediary with an electronic system through QR and billers.Method - The research is based on researching ottopay in its transactions by using a descriptive qualitative.Result - From the research method process used in the study resulted in the study that the implementation of ottopay in topping up by filling directly via the bank ATM or through an agent by clicking the wallet menu then top up and following the steps until the confirmation is successful and the balance is ready whenever it can be used.Implication - The existence of the Ottopay system is a support for the community to be able to think forward in the world of finance and technology, in addition, ottopay can be used as a business opportunity to provide benefits in the form of added value in the form of turnover that can be owned by merchants and can be used as additional income for the community. Originality - The implementation of ottopay between users and publishers and users and merchants is in accordance with the rules of the DSN MUI fatwa, therefore the benefits of the ottopay application can guarantee security, easy and practical use so that people's economic turnaround is faster because it has an electronic digital system.

Evaluating the Financial Performance of BMT Al Fithrah After Rebranding as BMT Kedinding: A Case Study on Savings and Funding in Surabaya Toyyibi, Abdul Majid; Hidayat, Imam; Farhan, Shohibatul
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 12, No 2: Agustus 2025
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v12i2.29364

This study analyzes the shift in profitability experienced by BMT Al Fithrah following its transformation into BMT Kedinding in Surabaya after implementing a new strategy in the management of savings and funding. The primary focus of this research is to understand how the institution’s approach to managing savings and financing has influenced its profitability post-rebranding and strategic realignment. Additionally, this study explores the key factors affecting profitability, including fund management policies and customer relationship practices.The objective of this research is to gain a comprehensive understanding of how changes in saving and funding strategies have impacted the profitability performance of BMT Kedinding. It also seeks to uncover managerial and operational insights that can support the institution’s future growth and financial sustainability. A qualitative case study approach was adopted, with data collected through in-depth interviews with BMT Kedinding’s management and direct observation of operational activities. The data were analyzed thematically to identify recurring patterns associated with improvements in profitability.The findings reveal that the transformation into BMT Kedinding, accompanied by more structured and focused management of savings and funding, has led to significant positive changes in the institution's profitability. This is evidenced by increased profits and the expansion of branches beyond Surabaya. Improved service quality, stronger customer relationships, and more efficient fund management have emerged as critical drivers of revenue growth and financial stability. Consequently, this study concludes that the post-rebranding saving and funding strategies have made a substantial contribution to enhancing the profitability of BMT Kedinding.

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