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All Journal Gadjah Mada International Journal of Business Islamic Ecomonics Journal Jurnal Manajemen Teori dan Terapan MUSLIM HERITAGE: JURNAL DIALOG ISLAM DENGAN REALITAS Journal of Management and Business Review Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Al Tijarah Jurnal Ecodemica : Jurnal Ekonomi Manajemen dan Bisnis AFRE Accounting Financial Review Jurnal Ekonomi & Keuangan Islam DIJB (Diponegoro International Journal of Business) Ihtifaz: Journal of Islamic Economics, Finance, and Banking Iqtishoduna: Jurnal Ekonomi Islam International Journal of Islamic Business and Economics (IJIBEC) FINANSIA : Jurnal Akuntansi dan Perbankan Syariah El-Barka: Journal of Islamic Economics and Business Indonesian Journal of Halal Research El-kahfi : Journal of Islamic economics Share: Jurnal Ekonomi dan Keuangan Islam CITIZEN: Jurnal Ilmiah Mulitidisiplin Indonesia Al Basirah Indonesian Journal of Islamic Economics and Finance Muslim Heritage Jurnal Pengabdian Masyarakat Bangsa Journal of Indonesian Society Empowerment Proceedings of Femfest International Conference on Economics, Management, and Business Islamic Business and Management Journal (IBMJ) Jurnal Akuntansi dan Keuangan Islam (JAKIs) KIC Shof Journal of Social Impact Proceedings of Femfest International Conference on Economics, Management, and Business International Journal of Islamic Business and Economics (IJIBEC)
Hartomi Maulana
Universitas Darussalam Gontor
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Islamic Microfinance Institutions and Non-Performing Financing (NPF): Challenges and Strategic Response Using Analytic Network Process (ANP) Approach Said, Muhammad; Maulana, Hartomi; Yudi Astuti, Rahma
MUSLIM HERITAGE Vol 10 No 2 (2025): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/muslimheritage.v10i2.11964

Abstract

Non-Performing Financing (NPF) is financing that does not comply with the initial contract schedule, causing disruption to the cash flow of Islamic microfinance institutions. The average Non-Performing Financing (NPF) of Islamic Microfinance Institutions (MFIs) in 2023 reached 13.09%. The urgency of this study reveals that Islamic MFIs or popularly called as Baitul Maal wa Taamwil (BMT) can be an alternative platform to enhance financial inclusion since they reach out even remote areas. However, NPF is often a problem faced by BMT. The purpose of this study is to analyse the issue of NPF in Islamic MFIs in Indonesia. The study also examines strategies to address issue of NPF in Islamic MFIs in Indonesia. To achieve the research objectives, the method used is through a qualitative approach with Analytic Network Process (ANP) used to be as analysis technique. Primary data sources were obtained through forum group discussions (FGDs) and pair-wise questionnaires and interviews with 10 respondents who are considered experts in related fields. The results of this study indicate that based on the ANP results internal management issue as main problem that causes NPF occur, followed by internal human resource issues, debtor/customer issues and regulatory issues. Main priority of the settlement strategy of NPF include strategy of improving internal management by improving internal human resources, then increasing sharia literacy, and government policy. The study suggests as the issues on internal management is in top rank, the Islamic MFIs should improve internal management elements including enhancing accountability and conducting professional administration.     Abstrak Pembiayaan macet (Non-Performing Financing - NPF) merupakan pembiayaan tidak lancar yang tidak sesuai jadwal kontrak awal, menyebabkan terganggunya arus kas lembaga keuangan mikro Syariah.  NPF pada Lembaga Keuangan Mikro Syariah (LKMS) pada tahun 2023 mencapai 13,09%. Urgensi penelitian ini mengungkapkan bahwa BMT dapat sebagai solusi keuangan inklusif dengan penyebarannya hingga daerah terpencil, yang dapat berinteraksi langsung kepada masyarakat pelaku Usaha Mikro Kecil (UMK). Sehingga NPF kerap menjadi sebuah persoalan yang dihadapi BMT. Dengan demikian tujuan penelitian ini adalah untuk menganalisis isu permasalahan penyebab terjadinya NPF pada LKMS di Indonesia dan menganalisis strategi guna meminimalisir kembali terjadinya NPF pada LKMS di Indonesia. Untuk mencapai tujuan penelitian, pendekatan kualitatif dengan Analytical Network Process (ANP) sebagai teknik analisis digunakan dalam studi ini. Metode ini dapat membantu hasil pengambilan keputusan atau sebuah kebijakan dalam mendapatkan alternatif terbaik diantara isu-isu dan strategi dihasilkan dengan menampilkan urutan prioritasnya. Sumber data primer didapatkan melalui forum group discussion (FGD), kuesioner pairwaise comparison, dan interview dengan 10 responden yang dianggap pakar dalam bidang terkait, yang terbagi dari regulator, akademisi dan praktisi. Hasil penelitian ini prioritas utama isu permasalahan NPF pada BMT terjadi pada manajemen internal, diikuti isu SDM internal, isu debitur/nasabah dan isu regulasi. Sedangkan prioritas utama strategi penyelesaiannya adalah peningkatan manajemen internalnya, diikuti peningkatan SDM internal, lalu peningkatan literasi syariah, dan kebijakan pemerintah. Penelitian ini menunjukkan karena isu manajemen internal berada pada peringkat teratas, LKM Islam harus meningkatkan elemen manajemen internal termasuk meningkatkan akuntabilitas dan melakukan administrasi profesional
Islamic Microfinance Institutions and Non-Performing Financing (NPF): Challenges and Strategic Response Using Analytic Network Process (ANP) Approach Said, Muhammad; Maulana, Hartomi; Yudi Astuti, Rahma
MUSLIM HERITAGE Vol 10 No 2 (2025): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/muslimheritage.v10i2.11964

Abstract

Non-Performing Financing (NPF) is financing that does not comply with the initial contract schedule, causing disruption to the cash flow of Islamic microfinance institutions. The average Non-Performing Financing (NPF) of Islamic Microfinance Institutions (MFIs) in 2023 reached 13.09%. The urgency of this study reveals that Islamic MFIs or popularly called as Baitul Maal wa Taamwil (BMT) can be an alternative platform to enhance financial inclusion since they reach out even remote areas. However, NPF is often a problem faced by BMT. The purpose of this study is to analyse the issue of NPF in Islamic MFIs in Indonesia. The study also examines strategies to address issue of NPF in Islamic MFIs in Indonesia. To achieve the research objectives, the method used is through a qualitative approach with Analytic Network Process (ANP) used to be as analysis technique. Primary data sources were obtained through forum group discussions (FGDs) and pair-wise questionnaires and interviews with 10 respondents who are considered experts in related fields. The results of this study indicate that based on the ANP results internal management issue as main problem that causes NPF occur, followed by internal human resource issues, debtor/customer issues and regulatory issues. Main priority of the settlement strategy of NPF include strategy of improving internal management by improving internal human resources, then increasing sharia literacy, and government policy. The study suggests as the issues on internal management is in top rank, the Islamic MFIs should improve internal management elements including enhancing accountability and conducting professional administration.     Abstrak Pembiayaan macet (Non-Performing Financing - NPF) merupakan pembiayaan tidak lancar yang tidak sesuai jadwal kontrak awal, menyebabkan terganggunya arus kas lembaga keuangan mikro Syariah.  NPF pada Lembaga Keuangan Mikro Syariah (LKMS) pada tahun 2023 mencapai 13,09%. Urgensi penelitian ini mengungkapkan bahwa BMT dapat sebagai solusi keuangan inklusif dengan penyebarannya hingga daerah terpencil, yang dapat berinteraksi langsung kepada masyarakat pelaku Usaha Mikro Kecil (UMK). Sehingga NPF kerap menjadi sebuah persoalan yang dihadapi BMT. Dengan demikian tujuan penelitian ini adalah untuk menganalisis isu permasalahan penyebab terjadinya NPF pada LKMS di Indonesia dan menganalisis strategi guna meminimalisir kembali terjadinya NPF pada LKMS di Indonesia. Untuk mencapai tujuan penelitian, pendekatan kualitatif dengan Analytical Network Process (ANP) sebagai teknik analisis digunakan dalam studi ini. Metode ini dapat membantu hasil pengambilan keputusan atau sebuah kebijakan dalam mendapatkan alternatif terbaik diantara isu-isu dan strategi dihasilkan dengan menampilkan urutan prioritasnya. Sumber data primer didapatkan melalui forum group discussion (FGD), kuesioner pairwaise comparison, dan interview dengan 10 responden yang dianggap pakar dalam bidang terkait, yang terbagi dari regulator, akademisi dan praktisi. Hasil penelitian ini prioritas utama isu permasalahan NPF pada BMT terjadi pada manajemen internal, diikuti isu SDM internal, isu debitur/nasabah dan isu regulasi. Sedangkan prioritas utama strategi penyelesaiannya adalah peningkatan manajemen internalnya, diikuti peningkatan SDM internal, lalu peningkatan literasi syariah, dan kebijakan pemerintah. Penelitian ini menunjukkan karena isu manajemen internal berada pada peringkat teratas, LKM Islam harus meningkatkan elemen manajemen internal termasuk meningkatkan akuntabilitas dan melakukan administrasi profesional
The Role of MSME Business Development Training on Increasing Business Performance of BMT Beringharjo Ponorogo Partners Harahap, Soritua Ahmad Ramdani; Firmansah, Yayan; Maulana, Hartomi; Kurniawan, Dhika Amalia; Astuti, Rahma Yudi; Rusli, Lathiefa; Abidin, M. Zaenal; Muhtar, Ali
Proceeding Kilisuci International Conference on Economic & Business Vol. 2 (2024): Proceeding Kilisuci International Conference on Economic and Business
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/5cg86650

Abstract

Research aim : This research aims to determine the role of MSME business development training on improving the business performance of BMT Beringharjo Ponorogo partners. Design/Methode/Approach : In this research and service, we use direct observation methods in the field and use training and mentoring methods for BMT Beringharjo Ponorogo partners. Research Finding : The result of carrying out this research and service is that the MSME partners of BMT Beringharjo are able to understand and implement the concepts of financial recording, marketing methods through normal means and digital marketing, warehousing operations and HR management within the scope of their respective MSMEs
Co-Authors Abadi, M. Kurnia Rahman Affandi, Muchammad Taufiq Ahmad Efendi Ahmad Setiyono Ahmad Suminto Ahmad Suminto Ahmad, Rusyda Afifah Ali, Badri Anas, M. Khalilurrahman Ari Anggara, Fajar Surya Asmarani, Mutia Bayu Segarahin Bimantara, Andika Rendra Cahya, Irfan Dwi Dhika Amalia Kurniawan Dwi Kurnia Nurunisa Ely Windarti Hastuti, Ely Windarti Farhan Fadhlurrahman Harahap, Soritua Ahmad Ramdani Harahap, Soritua Ahmad Ramdhani Hayatul Maemunah Hudan Ngisa Anshori  Huril A'ini Iqbal Imari Iqbal ‘Imari Iqbal, Ahmad Khoirul Umam Labolo, Sultan Nanta Setia Dien Lathiefa Rusli M. Shabri Abd. Majid M. Shabri Abd. Majid M. Zaenal Abidin Mentari Mentari Fazrinnia Mohammad Nurfaiz Mauludin Mohammad Zaenal Abidin Mohd Thas Thaker, Mohamed Asmy bin Mohd. Zaidi Bin Md Zabri Mufti Afif MUHAMMAD SAID Muhammad Zuhri Muhtar, Ali Mulyono Jamal Mumtaza, Isyraq Muzaki, Rofi Naufalt Arkyananto Nusa Dewa Harsoyo, Nusa Dewa Raden Muh. Syakur Fathurrahman Rahma Yudi Astuti, Rahma Yudi Rahmadani, Muhammad Rizky Rahmania, Nurul Rahmanita, Fahmilia Ramdani Harahap, Soritua Ahmad Ravie, Aufa Riza Ashari Rizky Rahmadani, Rizky Roihan, Muhammad Royyana Akmalia Sabila, Muna Ahda Salsabella, Oktavira Hanggreanda Sa’id, Roudhoh Hannaaris Setiawan Bin Lahuri Simanjuntak, M. Sahban Soritua Ahmad Ramdani Harahap Soritua Ahmad Ramdani Harahap Soritua Ahmad Ramdani Harahap Soritua Ahmad Ramdani Harahap Syafi’i, M Syahruddin Syahruddin Syamsuri Tarique, Kazi Md Taufani, Mochammad Kharits Ulya, Alfina Zein Syarifa Use Etica Willy Tambayong Yayan Firmansah yogi banar sasongko Yudi Astuti, Rahma Zahroturrosyidah, A’isa Zaki Rosyadi Zarkasyi, M. Ridlo zulfa, indana