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Pendampingan Implementasi Manajemen Risiko Pada Bank Pembiayaan Rakyat Syariah (BPRS) Bangun Derajat Warga Gita Danupranata; Riduwan Riduwan; Muhammad Khairudin Hamsin
MATAPPA: Jurnal Pengabdian Kepada Masyarakat Volume 5 Nomor 4 Tahun 2022
Publisher : STKIP Andi Matappa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31100/matappa.v5i4.2210

Abstract

Kegiatan pengabdian pendampingan implementasi manajemen risiko pada BPRS BDW bertujuan untuk menyiapkan kompetensi sumber daya insani sehingga mampu menyusun kebijakan manajemen risiko dan implementasinya. Metode pendampingan dilakukan dengan workshop, forum grup diskusi, serta monitoring dan evaluasi hasil. Materi workshop meliputi manajemen risiko bank syariah, dan kepatuhan syariah. Sedangkan hasil workshop dikaji lebih mendalam melalui forum grup diskusi yang diikuti oleh pendamping, direksi, komisaris dan pejabat kepala devisi bank syariah. Proses monitoring dan evaluasi digunakan untuk mengukur ketercapaian hasil pendampingan. Hasil pendampingan manajemen risiko dapat dilihat dari meningkatnya pengetahuan semua karyawan, dan pengurus bank syariah,serta terumuskanya kebijakan manajemen risiko yang meliputi risiko pembiayaan, likuiditas, operasional,  risiko kepatuhan dan risiko imbal hasil. Hasil yang lain menunjukkan adanya komitmen bersama dalam membangun budaya sadar risiko
Pendampingan Penguatan Kepatuhan Syariah Bagi Marketing BMT Bina Ihsanul Fikri Yogyakarta Riduwan Riduwan; Akhmad Arif Rifan; Rofiul Wahyudi
AKM Vol 4 No 1 (2023): AKM : Aksi Kepada Masyarakat Jurnal Pengabdian Kepada Masyarakat - Juli 2023
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/akm.v4i1.869

Abstract

Sharia compliance is a requirement for Islamic financial institutions because it can increase public trust. As part of an Islamic financial institution, Baitul Maal wa Tamwil (BMT) is required to maintain consistency in implementing Sharia compliance, both in operations and marketing. The Sharia principle that forms the primary basis is the fatwa of the National Sharia Council (DSN), the Indonesian Ulema Council (MUI). The fatwa is binding on all financial institutions, including BMT. Therefore all employees must master and implement it at work.Community service in the form of assistance in Strengthening Sharia Compliance at BMT Bina Ihsanul Fikri Marketing has succeeded in increasing understanding of Sharia principles and marketing commitment to its implementation—mentoring methods in focus group discussions and classical training with structured material. The training was conducted for marketing as many as 56 people. The assistance results show an increase in understanding of Sharia principles by 85.5% and a commitment to implement Sharia principles by 89.3% properly.
Mapping the field of Islamic banking and finance education: A bibliometric analysis and future research agenda Rofiul Wahyudi; Lina Handayani; Zalik Nuryana; Riduwan Riduwan
Journal of Education and Learning (EduLearn) Vol 17, No 4: November 2023
Publisher : Intelektual Pustaka Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11591/edulearn.v17i4.20947

Abstract

This article examined trends in Islamic education and finance publications using bibliometric analysis. The authors used co-citation and co-word analysis to examine 449 Islamic education and finance studies from Scopus database. In the co-citation analysis, 10 themes in Islamic education and finance were identified. After that, co-word analysis is used to understand and identify each research theme’s potential future research directions. The results showed that per year the average publication of articles was 2.65. There has been extensive research on this topic in the United States (US) and the United Kingdom (UK), and the most popped-up keywords are ‘education’, ‘finance education’, ‘banking education’ and very limited ‘Islamic finance education’. Further research can be developed using Islamic jurisprudence education, Islamic insurance education, Islamic capital market education, zakat education and waqf as keywords. In addition, the study offers a visualization map of theme patterns for future studies to create educational fields for Islamic banking and finance education, particularly in Muslim-majority nations like Indonesia, Malaysia, and the Middle East. This research contributes as a foundation for further research in enriching and developing knowledge about Islamic education and finance, especially in majority countries.
Financial relaxation of Islamic rural banks and private schools resilience during COVID-19 Riduwan Riduwan; Zalik Nuryana; Rofiul Wahyudi; Suyadi Suyadi; Lina Handayani
International Journal of Evaluation and Research in Education (IJERE) Vol 13, No 1: February 2024
Publisher : Institute of Advanced Engineering and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.11591/ijere.v13i1.26903

Abstract

The pandemic of COVID-19 has increased tensions between Islamic rural banks and private schools. Many parents lose their jobs and are thus unable to pay their children’s school tuition. Private schools, on the other hand, are heavily reliant on tuition and bank financing. As a result, student enrollment falls, school finances suffer a deficit, many parents and students lose trust in the school, and some students may wish to drop out. This research aimed to investigate the effectiveness of financial relaxation on schools’ resilience. It was qualitative research with a case study approach focusing on the causal relationship of an Islamic rural banks with a private school affected by the COVID-19 pandemic in Muhammadiyah 1 Yogyakarta Vocational High School and Islamic rural banks’ Bangun Drajat Warga (BDW). The research finding reveals that BDW Islamic rural banks has implemented financing relaxation three times to ease the school’s burden and it has resulted in an improvement in the school’s resilience by as much as 33%. Besides, due to the high ideological commitment and adaptability of Muhammadiyah 1 Yogyakarta Vocational High School as well as the success of gaining parents’ trust regarding online teaching and learning, there has been an increase in the school tuition by as much as 80%. Although though the COVID-19 epidemic is coming to an end, it is still important to study the financial flexibility of Islamic rural banks and private schools in similar crises in the past to better prepare for the future.
The Resiliensi Keuangan Strategis dalam Mempertahankan Keunggulan Kompetitif: Studi Kasus Kualitatif tentang Kapabilitas Dinamis, Adaptasi Sumber Daya, dan Transformasi Strategi Perusahaan Anggono Ahyunianto; Aftoni Sutanto Sutanto; Riduwan Riduwan
Indonesian Journal of Multidisciplinary on Social and Technology Vol. 4 No. 3 (2026): Juli - Oktober
Publisher : PT Ilmu Data Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/ijmst.v4i3.12648

Abstract

Perubahan lingkungan bisnis yang semakin kompleks menuntut perusahaan memiliki kemampuan keuangan yang adaptif untuk mempertahankan keberlanjutan dan keunggulan kompetitif. Strategi keuangan dipahami sebagai aktivitas pengelolaan sumber daya finansial, kapabilitas strategis yang memungkinkan perusahaan merespons tekanan eksternal, melakukan adaptasi sumber daya, dan membangun resiliensi organisasi. Penelitian ini bertujuan untuk menganalisis bagaimana resiliensi keuangan strategis dibangun melalui kapabilitas dinamis, adaptasi sumber daya, dan transformasi strategi perusahaan dalam mempertahankan keunggulan kompetitif. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus pada perusahaan yang menghadapi dinamika perubahan lingkungan bisnis. Data penelitian diperoleh melalui wawancara mendalam dengan informan kunci yang memiliki peran strategis dalam pengambilan keputusan keuangan dan manajemen perusahaan, dan didukung oleh dokumen internal perusahaan sebagai data sekunder. Analisis data dilakukan menggunakan NVivo 15 melalui tahapan pengkodean terbuka, pengembangan kategori, dan pembentukan tema utama berdasarkan pendekatan Miles dan Huberman. Hasil simulasi pengolahan NVivo 15 menunjukkan bahwa terdapat empat tema dominan, yaitu kemampuan perencanaan keuangan adaptif, fleksibilitas alokasi sumber daya, pembelajaran organisasi, dan transformasi strategi bisnis. Model konseptual penelitian menunjukkan bahwa kapabilitas dinamis menjadi mekanisme penghubung antara strategi keuangan dan resiliensi perusahaan dalam menciptakan keunggulan kompetitif berkelanjutan. Penelitian ini menyimpulkan bahwa resiliensi keuangan strategis merupakan kemampuan organisasi dalam mengintegrasikan pengelolaan keuangan, adaptasi sumber daya, dan inovasi strategi untuk menghadapi ketidakpastian bisnis.
Efektivitas Eksekusi Jaminan Hak Tanggungan pada Pembiayaan Bermasalah di Bank Tabungan Negara Kantor Cabang Syariah Solo Dani Dwi Meylawati; Andy Putra Wijaya; Riduwan Riduwan; Mufti Alam Adha
Jurnal Hukum Ekonomi Syariah Vol. 7 No. 2 (2024): Oktober
Publisher : Prodi Hukum Ekonomi Syariah Fakultas Agama Islam, Universitas Muhammadiyah Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/jhes.v7i2.22583

Abstract

Financial institutions, including the branch office of BTN Syariah in Solo City, often face non-performing financing. One strategy the branch office of BTN Syariah in Solo City uses to resolve non-performing financing is to execute the mortgage guarantee, which is carried out as the last alternative. This research aims to determine the effectiveness of strategies to overcome obstacles in implementing the execution of the mortgage guarantee for non-performing financing at the branch office of BTN Syariah in Solo City. This field research uses a descriptive qualitative approach. The object of this research is the branch office of BTN Syariah in Solo City. The primary and secondary data sources are collected through observation, interviews, documentation, and triangulation. The results state that the execution of the mortgage guarantee on non-performing financing at the branch office of BTN Syariah in Solo City has yet to be said to be effective. The strategy to overcome obstacles in implementing the execution of mortgage guarantees carried out by the branch office of BTN Syariah in Solo City is visiting a notary and attempting to rescue the non-performing financing, continuing to sell the collateral until it is sold with no period, and trying to cooperate and ensuring that the steps in the execution process are under legal provisions. Meanwhile, the strategy to overcome obstacles carried out by the State Property and Auction Services Office (KPKNL) is proposing additional auction officials to maximize services. In addition, KPKNL is collaborating with various parties to organize outreach regarding the procedures for bidding for auctions and updating regulations related to auctions.