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All Journal Liquidity: Jurnal Riset Akuntansi dan Manajemen
Noviendri Djalil
ITB Ahmad Dahlan
Economics, Econometrics & Finance

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Mitigasi Risiko Pembiayaan Terhadap Masyarakat Prasejahtera Pada Bank BTPN Syariah Noviendri Djalil; Andreas Rafael; Bahrul Rohman; Iswandi Iswandi; Wawan Santoso; Arief Safari; Ahmad Fakih Ijtihadi
Liquidity: Jurnal Riset Akuntansi dan Manajemen Vol 10 No 1 (2021): Liquidity
Publisher : Institut Teknologi dan Bisnis Ahmad Dahlan Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32546/lq.v10i1.776

Abstract

One of the essence of national development as stated in the fourth paragraph of the 1945 Constitution of The Republic of Indonesia Preamble is to create community welfare. To achieve this, the Bank Tabungan Pensiun Nasional Syariah (BTPNS) launched a financing product for people who are in the underprivileged category and generally have not been touched by banking services using sharia principles. Funding is given specifically to women who in fact have small businesses and have a business group of at least 5 people (groups). The distribution of this financing is definitely faced with various risks, such as financing risks and others. This study aims to determine the risk mitigation that must be carried out by Bank BTPN Syariah for financing provided to underprivileged people, so that these risks can be minimized. This research is a descriptive analysis study to see credit risk mitigation efforts conducted by Bank BTPN Syariah in order to minimize financing problem (Non Performing Financing) at the bank. Risk mitigation carried out by Bank BTPN Syariah to avoid financing problems by performing the procedure of giving financing which is tight, neat and structured and implementing 4 (four) pillars that are mutually sustainable in shaping the key character of customers consisting of brave attempted, discipline, hard work, and help each other.
Pembangunan Ekonomi Berkelanjutan: Pendekatan Studi Ekonomi Ibn Khaldun Noviendri Djalil
Liquidity Vol. 15 No. 1 (2026): Liquidity
Publisher : Institut Teknologi dan Bisnis Ahmad Dahlan Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32546/lq.v15i1.3378

Abstract

The need for a more holistic and ethical development paradigm has intensified as a result of the global crisis characterized by economic inequality, environmental degradation, and the dominance of a materialistic development paradigm. The purpose of this study is to examine Ibn Khaldun's economic theory and re-integrate it into the context of sustainable economic development. This study analyzes Ibn Khaldun's major work, the Muqaddimah, and compares it with the principles of sustainable development found in the Sustainable Development Goals (SDGs). This study uses a qualitative approach and library research methods. The study shows that Ibn Khaldun's ideas, particularly the concept of umran (civilization), fiscal justice, work ethics, and the proportional role of the state, align with the pillars of sustainable development that emphasize the balance between economic growth, social welfare, and system sustainability. Ibn Khaldun also placed moral values as the foundation of a standard for development focused on economic growth and long-term well-being. According to this study, Ibn Khaldun's ideas should be incorporated into a modern Islamic economic framework and utilized in public policymaking focused on multidimensional sustainability.
Co-Authors Ahmad Fakih Ijtihadi Andreas Rafael Arief Safari Bahrul Rohman Iswandi Iswandi Wawan Santoso