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Strategi Mitigasi Risiko Pembiayaan Muḍarabah pada Baitul Maal wat Tamwil (BMT) Lin Sururoh; Miftahur Rahman; Achmad Abdul Fatah
Kartika: Jurnal Studi Keislaman Vol. 6 No. 2 (2026): Kartika: Jurnal Studi Keislaman (May)
Publisher : Lembaga Pendidikan Tinggi Nahdlatul Ulama (LPT NU) PCNU Kabupaten Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59240/kjsk.v6i2.561

Abstract

Risk management is an important aspect in maintaining the sustainability of Islamic financial institutions, particularly in muḍarabah financing, which is characterized by profit-sharing but also involves risks of loss and uncertainty. This study aims to analyze the risk mitigation strategies implemented by USPPS BMT An-Nawawi Berjan Purworejo in managing muḍarabah financing. The research method employs a qualitative approach with descriptive analysis, utilizing documentation, interviews with managers, marketing staff, and employees, as well as references from reliable sources. Data analysis techniques include reduction, display, and verification, while data validity is examined through triangulation. The findings indicate that risk mitigation strategies are effective, as evidenced by the annual decline in non-performing financing (NPF). The main strategy applied is reconditioning in risk management. Internal obstacles include employees’ lack of focus in analyzing prospective customers, while external obstacles arise from muḍarib customers who demonstrate poor intentions in fulfilling their obligations. Overall, the implementation of risk mitigation strategies at USPPS BMT An-Nawawi Berjan can be considered successful, as it minimizes problematic financing and supports the sustainability of muḍarabah products
Analisis Kinerja Keuangan Bank Muamalat Indonesia Periode 2020-2024 Berdasarkan Metode RGEC: Studi Pasca Akuisisi BPKH Asrifah, Dini; Miftahur Rahman; Septian Fiktor Riyantoro
Kartika: Jurnal Studi Keislaman Vol. 6 No. 2 (2026): Kartika: Jurnal Studi Keislaman (May)
Publisher : Lembaga Pendidikan Tinggi Nahdlatul Ulama (LPT NU) PCNU Kabupaten Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59240/kjsk.v6i2.605

Abstract

Academic concerns arise from Bank Muamalat Indonesia (BMI) financial performance pressures due to Covid-19 pandemic, global economic turmoil, and intense sharia banking competition, destipe OJK regulations and BPKH acquisition worth Rp 5 trillion in 2023. This study aims to analyze BMI’s health level from 2020-2024 using RGEC method and compare changes pre- and post-acquisition. Descriptive quantitative method employs secondary data from BMI’s audited annual reports (purposive sampling), analyzed through ratios; NPF, FDR, GCG self-assessment, ROA, ROE, BOPO, and CAR. Results reveal healthy risk profile (average NPF 2,47%, FDR very healthy rank 1-2), stable GCG (rank 2-3), very healthy capital (average CAR >25% rank 1), but weak earnings (ROA/ROE <0,5%, BOPO >96% rnak 4-5). BPKH acquisition effectively strengthens capital and reduces credit risk exposure. Implications recommend BMI pursue cost restructuring, digitalization, and sharia financing expansion for sustainable profitability enhancement.
VERIFIKASI METODE ANALISIS LOGAM Pb, Cd, Cr, Cu, Ni, Co, Fe, Mn DAN Ba PADA AIR MENGGUNAKAN INDUCTIVLY COUPLED PLASMA-OPTICAL EMISSION SPECTROMETER (ICP-OES) Purna Pirdaus; Miftahur Rahman; Rina wati; Ni Luh Gede Ratna Juliasih; Dian Pratama; Agung Abadi Kiswandono
Analit : Analytical and Environmental Chemistry Vol. 3, No. 01 April (2018) Analit : Analytical and Environmental Chemistry
Publisher : Jurusan Kimia FMIPA Universitas Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23960/aec.v3i1.2018.p

Abstract

Verifikasi metode analisis merupakan salah satu cara untuk memastikan bahwa suatu metode memberikan hasil yang valid dan sesuai dengan tujuan. Verifikasi metode analisis US.EPA 200.7 untuk pengujian logam berat di air telah dilakukan dengan parameter verifikasi meliputi linieritas, presisi, akurasi, batas deteksi dan batas kuantifikasi. Hasil uji menunjukkan bahwa metode mempunyai linieritas yang baik dengan nilai koefisien korelasi >0,995. Nilai presisi yang diperoleh lebih kecil dari nilai Hortwitz menunjukkan keberterimaan metode dengan rentang RSD dari 1,21  sampai 10,82%. Tehnik spiked sample telah dilakukan untuk akurasi metode uji dengan hasil persen perolehan kembali (% recovery) telah memenuhi syarat 80-100%. Batas deteksi untuk logam Pb, Cd, Cr, Cu, Ni, Co, Fe, Mn dan Ba secara berturut-turut adalah 0,037, 0,003, 0,009, 0,005, 0,007, 0,004, 0,011, 0,007 dan 0,010 mg/L. Untuk batas kuantifikasi diperoleh secara berturut-turut yaitu 0,122, 0,009, 0,031, 0,018, 0,025, 0,012, 0,111, 0,023 dan 0,034 m DOI: http://dx.doi.org/10.23960/aec.v3.i1.2018.p1-10