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All Journal Perisai : Islamic Banking and Finance Journal SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Jurnal Pengabdian Indonesia
Nazia, Zumrotun
Maulana Malik Ibrahim Islamic University Malang
Religion Humanities Economics, Econometrics & Finance Education Social Sciences

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Implementation of Risk Management in Bank Syariah Mandiri Griya Financing Products Zumrotun Nazia; Nanang A. Daud
Perisai : Islamic Banking and Finance Journal Vol 6 No 1 (2022): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v6i1.1596

Abstract

This study aims to determine the implementation of risk management in the financing products of the Mandiri Griya Islamic Bank. This research uses a descriptive qualitative method with a field study approach, as well as in-depth interviews with informants. The results of this study indicate that the implementation of risk management on BSM Griya financing products at BSM KCP Malang Turen has been in accordance with the guidelines and provisions imposed by the BSM head office. As for what has been done by BSM KCP Malang in managing risk on BSM Griya products, among others, first starting with identifying risks, risk assessment and also risk control, then each implementation is reported to the head office. BSM KCP Malang Turen also conducts an online system in an effort to minimize the risk of financing and bank operations. Meanwhile, the problem of human resources is an obstacle in the implementation of BSM Griya financing. The steps for handling non-performing financing for the BSM Griya product are carried out by first identifying the customer's journey, and in terms of collectibility for further action by the bank.
PENINGKATAN LITERASI KEUANGAN SYARIAH DI DESA SENDANG MELALUI DIGITALISASI: PELUANG DAN TANTANGAN DI ERA MODERN Muhammad Adi Adrian; Agus Suaidi Hasan; Zumrotun Nazia; Anna Putri Syafitri; Niswatin Mubarriroh
Jurnal Pengabdian Indonesia (JPI) Vol. 2 No. 1 (2026): Vol. 2 No. 1 Edisi Januari 2026
Publisher : PT. Jurnal Center Indonesia Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/jpi.v2i1.1965

Abstract

Sharia financial literacy has become important with the development of digital financial services and the increasing need for financial management in accordance with sharia principles. However, the understanding of rural communities regarding digital-based sharia finance is still limited. This community service activity aims to improve Islamic financial literacy in Sendang Village through a digital approach. The methods used include face-to-face and online education, assistance in using Islamic financial applications, and interactive discussions on the opportunities and risks of digital finance. The results of the activity showed that community participation reached 75% with an increase in understanding of Islamic finance products and principles of 60%. However, challenges such as the digital divide and the risk of online fraud were still found. Overall, this activity shows that digitalization is effective in increasing Islamic financial literacy when supported by continuous education and the active role of the government and Islamic financial institutions in creating a safe and inclusive ecosystem.
Risk Analysis of Murabahah Financing in Barokah Business Capital Products at BMT UGT Sidogiri: A Sharia Microfinance Risk Management Perspective Nazia, Zumrotun
SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Vol 8 No 1 (2026): SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah
Publisher : STEI Kanjeng Sepuh Gresik Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59636/saujana.v8i1.456

Abstract

BMT UGT Sidogiri, as a non-bank financial institution operating based on sharia principles, has an obligation to implement risk management in order to minimize potential risks in a measurable and effective manner. Risk management includes establishing risk analysis policies and procedures, determining risk limits, and implementing the process of identifying, measuring, controlling, and monitoring risks. This study aims to analyze the risks of murabahah financing in the Modal Usaha Barokah product and to examine the role model of risk management applied by BMT UGT Sidogiri Capem Karangploso. This research is a qualitative study using a case study approach at BMT UGT Sidogiri Capem Karangploso. Data collection techniques were carried out through observation, interviews, and documentation. The validity of the data was then checked using triangulation techniques. The research results indicate that the Murabahah Financing Risk Analysis process conducted by BMT is not comprehensive, which will certainly have a negative impact on the organization or institution, as well as on financing profitability. This also gives rise to various types of unwanted risks and losses. The incomprehensive implementation of risk management is caused by a lack of human resources (HR) knowledge regarding Islamic financial transactions and a lack of oversight by the Sharia Supervisory Agency (DPS) in overseeing the financing process.
Co-Authors Hasan, Agus Suaidi Mubarriroh, Niswatin Muhammad Adi Adrian Nanang A. Daud Syafitri, Anna Putri