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Journal : International Journal of Islamic Business and Economics (IJIBEC)

Joint Liability Based Financing To Prevent Non-Performing Financing In Bank Wakaf Mikro Purwanto; Abdul Ghofur; Shodiq Abdullah
International Journal of Islamic Business and Economics (IJIBEC) Vol. 6 No. 1 (2022): IJIBEC VOL. 6 NO. 1 JUNE 2022
Publisher : Faculty of Islamic Economics and Business of UIN K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v6i1.4361

Abstract

The Indonesian government has made various efforts to reduce it, one of which is establishing a Micro Waqf Bank. The focus of the establishment of the Bank Wakaf Mikro is to empower the poor by providing assistance and providing microfinance for productive activities. Interesting to assess is the financing mechanism applied, namely joint liability. The purpose of this study is to examine whether joint liability-based financing can prevent non-performing financing. Data were collected from 215 respondents from Micro Waqf Bank customers in Magelang Regency. Data analysis was carried out statistically by using Structural Equation Model (SEM) Partial Least Square. The results show that joint liability-based financing has a significant effect on preventing non-performing financing. This means that joint liability based on Bank Wakaf Mikro can prevent defaults or non-performing financing. This means that joint liability based on the distribution of fund financing by Bank Wakaf Mikro can prevent defaults or non-performing financing. Problem financing in joint liability-based financing can be prevented because of the necessity of forming a group when applying for financing, so prospective customers will choose group members who have integrity and can be trusted.
Contribution of Local Wisdom as a Halal Tourism Attraction: Case Study of Pekalongan City Central Java Indonesia Abdul Ghofur; Kuat Ismanto
International Journal of Islamic Business and Economics (IJIBEC) Vol. 6 No. 1 (2022): IJIBEC VOL. 6 NO. 1 JUNE 2022
Publisher : Faculty of Islamic Economics and Business of UIN K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v6i1.5199

Abstract

The purpose of this paper is to analyze the contribution of local wisdom as a halal tourism attraction. This research is carried out with a qualitative research framework. Primary research data is collected by qualitative research methods, namely through observation, interviews, and documentation. Secondary data is obtained through the assessment of articles, books, research reports, documents, and other sources that are valid and support the theme of the research. Observations are carried out in the region and tourist attractions, while interviews are conducted to the Tourism Office and the managers of tourist attractions, communities, and tourists. The collected data is analyzed descriptively and qualitatively. The results of this study show that Pekalongan City has the prospect of becoming a halal tourism destination because it has fulfilled the components of halal tourism (attractions, access, amenities, communication, environment, supporting facilities, and celebration). On the other hand, the attractions and attractions owned by Pekalongan City are interesting and diverse. Pekalongan City has distinctive and unique local wisdom and can be an object and attraction of regional tourism. In addition, it is also supported by community security and creativity activities that support local wisdom as a tourism attraction. Culture, Islamic traditions, and local wisdom in Pekalongan City have not been maximally packaged into tourist attractions. The implication of this study is that the packaging of local wisdom into a tourist attraction will contribute to the development of regional tourism. The abandonment of local wisdom as a regional tourism attraction will negate Indonesia which is rich in cultural diversity as a differentiator with other countries in the field of halal tourism.