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All Journal Jurnal Ilmiah Peuradeun Journal EVALUASI SCAFFOLDING: Jurnal Pendidikan Islam dan Multikulturalisme Jurnal Dinamika Ekonomi Syariah AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Al Mashaadir : Jurnal Ilmu Syariah Equilibrium: Jurnal Ekonomi Syariah
Rahmati, Arinal
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Analisis Solutif Penyelesaian Pembiayaan Bermasalah di Bank Syariah: Kajian Pada Produk Murabahah di Bank Muamalat Indonesia Banda Aceh Ibrahim, Azharsyah; Rahmati, Arinal
IQTISHADIA Vol 10, No 1 (2017): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v10i1.2319

Abstract

This article aims to study the triggering factors of financing problems in BMI Banda Aceh and the policies taken to resolve the issues. In particular, the article also examines the effectiveness of applying these policies in reducing financing problems in BMI Banda Aceh. This research is expected to be a framework or model for other Islamic banks that have similar problems. The data was collected using an in-depth interview and documentation study. In analyzing data, this article utilized descriptive analysis method with qualitative approach. The findings show that finacing problems at BMI were triggered by 1) customers, 2) internal bank, and 3) fictitious factors. BMI applied a comprehensive policy to solve the problems starting from prevention to the culmination. The resolving techniques consist of ‘on the spot’, summons, billing, restructuring, collateral selling and written off, and penalty charging. In addition, BMI has also applied internal policy to the case that was not regulated by the financial authority such as the establishment of Remedial Team that was specifically formed to handle financing problems.Artikel ini bertujuan untuk mengkaji faktor-faktor penyebab terjadinya pembiayaan bermasalah di Bank Muamalat Indonesia (BMI) Banda Aceh dan kebijakan yang diambil untuk menyelesaikan persoalan tersebut. Secara khusus, artikel ini juga mengkaji keefektifan kebijakan tersebut dalam mereduksi pembiayaan bermasalah di BMI Banda Aceh. Penelitian ini diharapkan dapat menjadi framework atau model bagi bank syariah lain yang memiliki permasalahan yang sama. Data untuk penelitian ini dikumpulkan melalui wawancara mendalam dan studi dokumentasi yang kemudian dianalisis secara kualitatif. Hasil penelitian menunjukkan bahwa faktor penyebab pembiayaan murabahah bermasalah berasal dari 1) nasabah, 2) internal bank dan 3) faktor fiktif. Kebijakan yang diterapkan sangat komprehensif mulai dari pencegahan sampai dengan penyelesaian. Teknis penyelesaian dilakukan dengan metode on the spot, somasi, penagihan, restrukturisasi, penjualan jaminan, dan melakukan write off serta adanya penetapan terhadap denda. Selain itu, BMI juga mempunyai pola-pola kebijakan internal yang secara langsung tidak diatur secara detail oleh otoritas keuangan seperti pembentukan tim remedial yang khusus menangani pembiayaan bermasalah.
Pesantrenpreneur: Strategi Entrepreneurship di Pondok Pesantren Melalui Komoditas Talas Satoimo Rahmati, Arinal; Husnurrosyidah, Husnurrosyidah; Ruhamak, Muhammad Dian
EQUILIBRIUM Vol 8, No 2 (2020): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v8i2.8971

Abstract

This study aims to determine the strategy of the pesantrenpreneur in Islamic boarding school Ummul Ayman Pidie Jaya Aceh in producing students to have a good entrepreneurial spirit. This research uses a descriptive qualitative approach. This study's data were collected through in-depth interviews with informants and then matched the research results through interviews with documentary evidence that the authors had collected and processed it with the stages of data reduction, data presentation, and conclusion drawing. The results showed that it is necessary to develop an entrepreneurial interest in students to explore their potential, where apart from prayer is also accompanied by effort. With the increasing interest in entrepreneurship and getting to know market segmentation and also how to deal with consumers who have various behaviors, their creativity will emerge, which will have an impact on increasing the economic value of raw material products which may be developed in the form of semi-finished or even processed products. Ready for consumption, considering the high demand for this commodity will directly result in an increased trade surplus and a relatively good economic outlook. Besides, students also have businesses and become entrepreneurs so that they can become financially independent. Support from the local, regional government is also needed to run well and sustainably, which will impact the regional economy.
Co-Authors Affandi, Muhamad Arief Afifulloh, Mohammad Alfarasyi, Akram Azharsyah Ibrahim Benazir, Benazir Eko Setiawan Husni Kamal Husnurrosyidah, Husnurrosyidah Ilyas, Muslem Jayadi Jayadi Larasati, Oktafiani Liliana Mubarak, Fadhil Muhammad Dian Ruhamak Riedha, Ali Safitri, Julia Syahrial Razali, Muhammad