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All Journal Indonesian Journal of Islamic Economics and Business Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Jurnal Riset Manajemen dan Akuntansi (JURIMA) ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar Journal of Student Research Jurnal Manajemen dan Ekonomi Kreatif Jurnal Manajemen Dan Bisnis Ekonomi Maeswara: Jurnal Riset Ilmu Manajemen dan Kewirausahaan Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Maslahah: Jurnal Manajemen dan Ekonomi Syariah Journal Economic Excellence Ibnu Sina Moneter : Jurnal Ekonomi dan Keuangan Jurnal Inovasi Ekonomi Syariah dan Akuntansi Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis Jurnal Publikasi Manajemen Informatika Jurnal Akuntan Publik
Ahsan Putra Hafiz
Unknown Affiliation
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Peran Lembaga Keuangan Mikro Syariah (BMT) Dalam Percepatan Pertumbuhan Usaha Mikro Di Kota Jambi M. Khoirullah; A. A. Miftah; Ahsan Putra Hafiz
Jurnal Akuntan Publik Vol. 3 No. 3 (2025): September : Jurnal Akuntan Publik
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jap-widyakarya.v2i1.2750

Abstract

This study aims to (1) to find out how the role of Islamic microfinance institutions on micro businesses in Jambi city. (2) to find out how the development of Islamic microfinance institutions in Jambi city. (3) to find out what efforts are made by Islamic microfinance institutions (BMT) to increase their role towards micro enterprises in Jambi city. The problems discussed in this thesis are (1) how the role of Islamic microfinance institutions on micro businesses in Jambi city. (2) what influences the role of Islamic microfinance institutions (BMT) on micro businesses. (3) what efforts are made by Islamic microfinance institutions (BMT) to increase their role towards micro business ventures in Jambi city. The research method used is descriptive qualitative. The descriptive method of analysis is obtained through data sourced from observation, interviews, and documentation as well as other sources that support field research by finding data sources directly from the field, namely from the BMT through data collection and interviews with the parties concerned. The results of this study are the Financing mechanism at BMTs in Jambi city, namely BMT Al-Ishlah, BMT KOSSUMA, and BMT. Muslimah Masyitoh tends to be the same, the difference lies only in the tax year of the vehicle financing ceiling, and the length of installments. Financing includes several contracts, namely murabahah, ijarah, ar-Rahn, mudharabah, musyarakah and qordhul hasan. Analysis before channeling financing at BMT for prospective financing members includes: Character, Capital, Capacity, Condition, and Coleterol. The importance of Islamic microfinance by BMTs in Jambi city in empowering MSMEs is evidenced by the main target of BMT financing is small business actors who are not reached by banks. Simple procedures and applied financing are needed by Jambi city MSMEs in developing their businesses. The constraints of the Jambi city BMT cooperative in carrying out its business, namely financing in the context of empowering MSEs, include internal constraints and external constraints.
Analisis Sistem Tanggung Renteng sebagai Strategi dalam Meminimalisir Risiko Kredit Bermasalah di BUMDesma Bangkit Mandiri Kecamatan Kumpeh Ulu Jihan Salkiyano; Ahsan Putra Hafiz
ARZUSIN Vol 5 No 5 (2025): OKTOBER
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v5i5.7719

Abstract

The revolving fund management program through the Badan Usaha Milik Desa Bersama (BUMDESMA) Bangkit Mandiri of Kumpeh Ulu Subdistrict represents a transformation of the PNM Mekaar program, initiated in January 2023, with the aim of strengthening access to capital for underprivileged women engaged in ultra-micro enterprises. One of the key approaches implemented is the joint liability system within the Simpan Pinjam Perempuan (SPP, or Women’s Savings and Loans) groups, yet its effectiveness in addressing non-performing loans remains underexplored. This study aims to analyze the implementation of the joint liability system as a strategy to enhance member solidarity and minimize credit risk. A qualitative descriptive method was used, with data collected through field observation, in-depth interviews with group leaders and members, documentation, and literature review. The findings indicate that the joint liability system is effective in increasing participation, discipline, and member accountability, while also reducing non-performing loans and accelerating group capital turnover. Values of kinship, gotong royong (mutual cooperation), and transparency are embedded in group practices, reinforcing social and economic stability. Nevertheless, challenges persist, particularly low financial literacy and partial non-compliance with repayment obligations. This study underscores that the sustainability of the joint liability system requires intensive mentoring, strengthened group leadership capacity, and adaptive, sustainable institutional management.
PENGARUH PRODUK DAN PROMOSI TERHADAP KEPUTUSAN NASABAH MEMILIH PRODUK PEMBIAYAAN MURABAHAH PADA KOPERASI BMT BINA INSAN SEJAHTERA JAMBI Yunita Sari; Addiarahman; Ahsan Putra Hafiz
Jurnal Publikasi Manajemen Informatika Vol. 2 No. 2 (2023): MEI: JURNAL PUBLIKASI MANAJEMEN INFORMATIKA
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupumi.v2i2.724

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana pengaruh variable Produk, Promosi, dan Keputusan Nasabah pada Koperasi BMT Bina Inasan Sejahtera Kota Jambi.Penelitian ini menggunakan pendekatan metode Kuantitatif. Populasi yang menjadi analisis sebanyak 50 orang responden nasabah yang berada di kota Jambi. Pengumpulan data dengan menyebarkan angket pertanyaan kuesioner kepada nasabah Koperasi BMT Bina Insan Sejahtera Kota Jambi. Jenis data dalam penelitian ini adalah data primer.Pengukuran dengan skala Likert.Analisis data penelitian dengan menggunakan regresi linier berganda dengan menggunakan program SPSS versi 22.Hasil uji-t menunjukan bahwa produk dan promosi berpengaruh signifikan dan positif terhadap keputusan nasabah. Model analisis regresi linier berganda diperoleh dengan hasil uji-F menunjukan bahwa produk dan promosi secara bersama-sama berpengaruh signifikan terhadap keputusan nasabah dengan nilai R2 Untuk model ini sebesar 61% .Hasil penelitian ini adalah bahwa Produk dan Promosi berpengaruh terhadap Keputusan Nasabah Koperasi BMT Bina Insan Sejahterah Kota Jambi.
Co-Authors A. A. Miftah Abd. Malik Abdul Hakim Saputra Addiarahman Ade Igustiani B Ambok Pangiuk Ari Lesmana Arsa Arsa Atar Satria Fikri Awal Habibah Aztyara Ismadharliani Bimbi Agnesia Putri Dora Rahmayeni Elyanti Rosmanidar Fauzan Ramli Fitri Handayani Ghina Sevty Jou Ananda Hafiz Arsad Hanifa Putri Zavira Jannatul Jannatul Jihan Salkiyano Khusnul Istiqomah Kurniati Kurniati M. Khoirullah Muhamad Subhan Muhammad Idris muhammad ivan septian Nurlia Fusfita Nurrahma Sari Putri Puteri Anggi Lubis Rian Irawan Rika Susanti Riki Pransiska Rohana Saihuna Saihuna Selpiani Selpiani Septi Putri Saldianti Sissah Sissah Siti Hartina Uci Liati Yunita Sari