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All Journal Krisna: Kumpulan Riset Akuntansi Jurnal Akuntansi Multiparadigma Equilibrium Jurnal Maneksi (Management Ekonomi Dan Akuntansi) NISBAH: JURNAL PERBANKAN SYARIAH JURNAL ILMIAH AKUNTANSI UNIVERSITAS PAMULANG Ekuilibrium : Jurnal Ilmiah Bidang Ilmu Ekonomi Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Tabarru': Islamic Banking and Finance Amwaluna Jurnal Ekonomi dan Keuangan Syariah TAFAQQUH: Jurnal Hukum Ekonomi Syariah Dan Ahwal Syahsiyah Bilancia : Jurnal Ilmiah Akuntansi EconBank : Journal Economics and Banking jurnal syntax admiration Jurnal Akuntansi dan Bisnis Krisnadwipayana Eksos Transekonomika : Akuntansi, Bisnis dan Keuangan Archive: Jurnal Pengabdian Kepada Masyarakat Solidaritas: Jurnal Pengabdian CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Akuntansiku JURNAL ECONOMINA JAKBS IIJSE IJMA JAS (Jurnal Akuntansi Syariah) Jurnal Studi Akuntansi Pajak Keuangan
Iswanaji, Chaidir
Faculty Of Economics, Universitas Tidar, Magelang
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Menyibak Penerapan PSAK 102 Atas Prosedur Akad Murabahah Zezi Nanda Oktafiya; Chaidir Iswanaji
JAS (Jurnal Akuntansi Syariah) Vol 4 No 2 (2020): JAS (Jurnal Akuntansi Syariah) - December
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jas.v4i2.229

Abstract

This study aims to determine how the procedure or implementation of the murabahah financing contract at KSPPS BMT ARMA is it in accordance with PSAK 102 concerning murabahah or not. This research explains how the murabahah financing contract in KSPPS BMT ARMA. This study also discusses PSAK 102 regarding murabahah. The method used in this research is descriptive qualitative. This research was conducted at KSPPS BMT ARMA Magelang. In collecting data, the author uses several methods including observation is a method of direct observation carried out by researchers and interview methods. The results of the study can be seen that the accounting treatment of murabahah financing carried out at BMT ARMA is in accordance with accounting principles, namely PSAK 102.
Optimizing Business Model Canvas and SWOT for Enhancing Performance and Sustainability in Sharia Cooperatives Jaka Isgiyarta; Chaidir Iswanaji; Budi Hartono; Supanji Setiyawan; Erni Puji Astutik
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 1 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i1.6422

Abstract

The application of the Business Model Canvas (BMC) in the context of Shariah Cooperatives becomes imperative to formulate and evaluate effective business models. BMC provides a clear framework for identifying the key elements of a business model, including customer segments, value propositions, distribution channels, customer relationships, revenue streams, key resources, key activities, key partnerships, and cost structures. This research aims to explore the application of BMC in Shariah Cooperatives, with a focus on Baitul Maal wat Tamwil (BMT) as a case study. The research method involves Focus Group Discussions (FGDs) with Shariah Cooperative actors and customers to gather in-depth insights regarding the challenges and opportunities faced. The study results show that by using BMC, Shariah Cooperatives can identify and exploit unexplored market opportunities, as well as overcome existing internal weaknesses. Through SWOT analysis, the study also identifies the strengths, weaknesses, opportunities, and threats faced by Shariah Cooperatives, which can be used to formulate more effective development strategies. The findings are expected to provide insights for stakeholders in improving the performance and sustainability of Sharia Cooperatives, as well as contributing to the improvement of the economic well-being of the community.
IMPLEMENTASI PEMBIAYAAN KEPEMILIKAN EMAS DENGAN AKAD MURABAHAH PADA PRODUK SOLUSI EMAS HIJRAH DI BANK MUAMALAT KCP MAGELANG Baihaqi Yahya; Chaidir Iswanaji; Ayunda Putri Nilasari
Jurnal Studi Akuntansi Pajak Keuangan Vol. 3 No. 1 (2025)
Publisher : Institut Teknologi dan Bisnis Kristen Bukit Pengharapan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61696/jusapak.v3i1.690

Abstract

Bank Muamalat is a sharia-based bank in Indonesia, which has various financing products. Oneof the financing products available at Bank Muamalat is the Solusi Emas Hijrah (SOLEH) financing. Bank Muamalat creates opportunities for people who want to invest or own gold, in addition to its easy requirements, the financing is also free from usury. The research method applied in this study is a qualitative approach, with data collection techniques that include interviews, observations, and documentation. This financing procedure goes through several stages, including submission, feasibility analysis, agreement, disbursement of funds, and installment payment mechanisms by customers. However, behind that, there are obstacles such as late payments, which can affect the smoothness of transactions, due to a lack of understanding. This study is expected to provide useful insights for Islamic banking institutions in optimizing the implementation of the Murabahah agreement on gold financing products
ANALISIS KESADARAN PENGELOLAAN IJIN USAHA DAN PEMBUKUAN PADA UMKM YANG DIKELOLA DIFABEL DI KABUPATEN GUNUNGKIDUL Siti Afidatul Khotijah; Agustina Prativi Nugraheni; Chaidir Iswanaji
KRISNA: Kumpulan Riset Akuntansi Vol. 13 No. 2 (2022): KRISNA: Kumpulan Riset Akuntansi
Publisher : Faculty of Economics and Business, Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/kr.13.2.2022.290-298

Abstract

The awareness of business actors, especially those with disabilities, is not yet fully available. This study aims to analyze the awareness of people with disabilities who manage MSMEs in making an inventory of their products. In addition, the conformity of the product inventory method with the Statement of Financial Accounting Standards (PSAK) will also be analyzed. This study uses purposive sampling where the main requirement is individuals with disabilities who have MSME businesses in Gunungkidul Regency. This research is a descriptive qualitative study. The type of data used in this study is primary data derived from interviews and observations of respondents. The triangulation method will be used to test the validity of the data, while the data analysis uses coding analysis. The results of this study indicate that most of the people with disabilities in Gunungkidul who run MSMEs are physically disabled. MSMEs that are run by disability have not registered for a business license with the Gunungkidul Regency government. Bookkeeping has also not been fully applied to businesses managed by disability.
Implementasi Internet of Things Untuk Pengaturan Penyiraman Tanaman Melon di Latansa Garden Bagus Fatkhurrozi; Hery Teguh Setiawan; Chaidir Iswanaji; Ramadhan Egi Dimas Said; Wahyu Abdi Kholik
Archive: Jurnal Pengabdian Kepada Masyarakat Vol. 5 No. 2 (2026): Juni 2026
Publisher : Asosiasi Pengelola Publikasi Ilmiah Perguruan Tinggi PGRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55506/arch.v5i2.271

Abstract

Latar Belakang: Budidaya melon di Latansa Garden menghadapi tantangan dalam manajemen irigasi konvensional, yang sering menyebabkan inefisiensi air dan fluktuasi kualitas hasil panen karena ketidakakuratan penyiraman. Tujuan: Tujuan dari kegiatan pengabdian kepada masyarakat adalah mengimplementasikan sistem penyiraman otomatis berbasis IoT yang dapat memonitor kelembaban udara secara real-time. Metode: Kegiatan dilaksanakan dalam empat tahapan sistematis selama 6 bulan dengan kegiatan: persiapan, implementasi dan instalasi, pendampingan dan pelatihan, serta evaluasi dan pelaporan. Hasil: Sistem penyiraman otomatis berbasis sensor kelembaban udara dan mikrokontroler telah berhasil dikembangkan dan dipasang yang terintegrasi dengan aplikasi Blynk IoT. Sistem ini mampu mendeteksi tingkat kelembaban tanah dan mengaktifkan pompa air secara otomatis sesuai kebutuhan tanaman.  Kesimpulan: Penerapan sistem IoT mampu menghemat penggunaan air hingga 25–30% dibandingkan metode penyiraman manual. Selain itu, waktu dan tenaga kerja petani menjadi lebih efisien karena tidak perlu melakukan penyiraman secara rutin.
ANALYSIS OF FACTORS IN THE INTEREST OF KSPPS BINAMA MEMBERS IN CHOOSING MURABAHAH AGREEMENT FINANCING Kiki Andhika Veda Prasetyo; Chaidir Iswanaji; Octavia Lhaksmi Pramudyastuti
TRANSEKONOMIKA: AKUNTANSI, BISNIS DAN KEUANGAN Vol. 4 No. 1 (2024): January 2024
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/transekonomika.v4i1.536

Abstract

The aim of this research is to identify the factors that influence members in choosing murabahah financing. This type of research uses qualitative research with a case study approach. Collecting the data produced in this research, the author conducted interviews with members and employees of the financing services office regarding the factors that influence a member to choose financing with a murabahah agreement. Based on the results of research that has been carried out, there are several factors that influence a member to choose murabahah financing, namely the financing factor in accordance with Islamic sharia, the factor that is cheaper than leasing, the trust factor. Based on the financing arrangements conducted for the implementation of the murabahah contract at KSPPS BINAMA Magelang Branch, it can be inferred that the institution plays a multifaceted role as a sharia-based cooperative, distributing financing to communities utilizing murabahah agreements while also serving as a financing provider and member companion. This is evidenced by member testimonials affirming the efficacy of KSPPS BINAMA's lending activities in supporting MSME development and meeting their needs, coupled with the commendable and amicable service provided by the cooperative.
PROBLEM SOLVING ANALYSIS OF PEOPLE'S BUSINESS CREDIT FINANCING BASED ON MURABAHAH AGREEMENT AT PT. BANK SYARIAH INDONESIA TBK. MAGELANG SINGOSARI SUB-BRANCH OFFICE Andi Faisal Ridho; Chaidir Iswanaji; Suci Nasehati Sunaningsih
CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Vol. 2 No. 1 (2022): OCTOBER
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/cashflow.v2i1.488

Abstract

This study aims to determine the resolution of murabahah contract problems related to the factors that influence the micro-financing of the People's Business Credit (KUR) carried out by the financial institution PT Bank Syariah Indonesia Tbk., Magelang Singosari Sub-Branch Office in channeling People's Business Credit (KUR) funds. The method used in this study is descriptive qualitative and data analysis used in this study uses primary and secondary data. The results of the analysis of customer funding of Bank BSI Magelang Singosari Sub-Branch Office are inseparable from the factors and risks. One of them is bad money, which causes a decrease in bank liquidity and affects the reliability of customer savings. In the case of non-performing loans, banks must analyze the factors that affect bank liquidity so as not to cause losses and provide an analysis of bad credit settlement through time relief and installment assistance, especially if the creditor is affected by a disaster, if it is not paid on purpose, it will be confiscated.
ANALYSIS OF MURABAHAH FINANCING FOR GOLD INSTALLMENT PRODUCT AT BANK SYARIAH INDONESIA BRANCH OFFICE MAGELANG GATOT SUBROTO Erissa Zumarnis; Chaidir Iswanaji; Nibras Anny Kahbibah
CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Vol. 3 No. 2 (2024): JANUARY
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/cashflow.v3i2.938

Abstract

This study aims to investigate the implementation of Murabahah financing, the challenges encountered in implementing Murabahah financing, and the strategies employed to overcome these obstacles at Bank Syariah Indonesia Magelang Gatot Subroto Sub-Branch Office. The research utilizes both secondary and primary data, with data collection techniques including interviews. The study adopts a qualitative research approach. The findings reveal that the Murabahah Agreement is established when a customer wishes to purchase gold from the bank in installments over an agreed period of time. The term "gold installments" is used to market the bank's gold installment financing products to customers. The bank will order the desired type of gold from PT. ANTAM once the customer's installments are fully paid. The bank then delivers the goods or gold to the customer in accordance with the initial agreement stated in the contract. This practice is implemented by the bank to mitigate potential risks. The challenges faced by Bank Syariah Indonesia at Magelang Gatot Subroto Sub-Branch Office involve promoting gold installment products. To address these challenges, the marketing team must regularly update the gold installment brochure using social media or other promotional platforms to enhance effectiveness. This is crucial due to the daily fluctuations in gold prices. The bank undertakes these efforts to ensure that customers are constantly informed about the latest gold price percentages
Analisis Permasalahan Dan Solusi Pembiayaan Murabahah Pada Kspps Karisma Kantor Cabang Grabag Dimas Daib Dzakiansyah; Chaidir Iswanaji
Jurnal Akuntansi Keuangan dan Bisnis Vol. 3 No. 4 (2026): Januari - Maret
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62379/jakbs.v3i4.4318

Abstract

Murabahah financing is the dominant product in Islamic microfinance institutions due to its simple mechanism and fixed margin certainty. However, this type of financing still carries the potential risk of non-performing financing (NPF). This study aims to analyze the condition of murabahah financing and to identify the contributing factors and mitigation strategies for non-performing financing at KSPPS Karisma Grabag Branch Office. This research employs a qualitative approach using a case study method through interviews, observations, and documentation. The findings indicate that the level of non-performing financing ranges from 1% to 3%, which is still considered under control. The main contributing factors include unstable income, multiple financing obligations in other institutions (over-credit), as well as health and employment issues of members. The mitigation strategies implemented consist of persuasive approaches, direct visits, issuance of warning letters, and financing rescheduling and restructuring. These strategies are considered effective in maintaining financing quality stability. The study recommends strengthening feasibility analysis, classifying members based on financing categories, and improving monitoring systems to minimize the risk of non-performing financing.
Sustainable Business Model in Small and Medium-Sized Enterprises: A Study in Yogyakarta and Magelang Octavia Lhaksmi Pramudyastuti; Chaidir Iswanaji; Supanji Setyawan; Atika Atika; Alex Johanes Simamora
EKUILIBRIUM : JURNAL ILMIAH BIDANG ILMU EKONOMI Vol 18 No 2 (2023): September
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24269/ekuilibrium.v18i2.2023.pp213-226

Abstract

This study aims to analyze Yogyakarta and Magelang Small and Medium-Sized Enterprises (hereafter) SMEs based on sustainable business model implementation. This study gives new evidence of Yogyakarta and Magelang SMEs’ businesses based on sustainable business model where Indonesian SMEs’ experience the economic crash of Covid-19. This study uses a qualitative descriptive method. Specifically, uses method of qualitative evaluative where this study evaluates SMEs business process by using sustainable business model. Research sample includes 40 SMEs in Yogyakarta and Magelang. Evaluation of SMEs’ business is based on elements of sustainable business model including key partner, key activity, key resources, value proposition, customer relationship, channels, customer segment, cost structure, revenue stream, cash flow management, pivoting plan, and ecological concern. This study uses a “yes and no” questionaries with 13 questions that refers to the elements of sustainable business. Based on the result, this study finds that most SMEs in Yogyakarta and Magelang, implement the elements of a key partner, key activity, key resources, value proposition, customer relationship, channels, cost structure, pivoting plan, and ecological concern. On the other hand, most SMEs do not implement elements of customer segment, revenue stream, and cash flow management.  Socialization and special training is needed from various parties related to the implementation of sustainable business models for SMEs.
Co-Authors Ahmad Prabowo Alex Johanes Simamora Alkadri Kusalendra Siharis Andi Faisal Ridho Anisa Dwi Kurnia Annisa Aulia Machmudah Astrid Prasetyati Cahyani Atika Atika Ayunda Putri Nilasari Aziz Muslim Bagus Fatkhurrozi Baihaqi Yahya Budi Hartono Dimas Daib Dzakiansyah Eni Sulistiani Erissa Zumarnis Erni Puji Astutik Fandi Dwi Cahyo Fatimah, Ari Nurul Fitrah Aisyah Awwahah Fitri Salekhah Ghina Fitri Ariesta Susilo Hery Teguh Setiawan Jaka Isgiyarta Kiki Andhika Veda Prasetyo Kiki Rahmawati Lucia Rita Indrawati M. Zidny Nafi' Hasbi May Linda Nugraheni May Linda Nugraheni Mohammad Amin Muhamad Wahyudi Nibras Anny Kahbibah Niken Kusumasari Nugraheni, Agustina Prativi Octavia Lhaksmi Pramudyastuti Octavia Lhaksmi Pramudyastuti Ramadhan Egi Dimas Said Ramdani, Deni Rudi Prasetio Shendy Setya Vernandya Siti Afidatul Khotijah Siti Afidatul Khotijah Siti Afidatul Khotijah Suci Nasehati Sunaningsih Suci Nasehati Sunaningsih Supanji Setiyawan Supanji Setyawan Umi Hidayati Vania Sila Afriani Wahyu Abdi Kholik Zezi Nanda Oktafiya