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Eko Arief Cahyono
Universitas Nahdlatul Ulama Sunan Giri
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DIGITALISASI DAN INOVASI DALAM SISTEM OPERASIONAL LEMBAGA KEUANGAN SYARIAH BMT MEKAH BOJONEGORO: Peluang dan Tantangan Meysa Afriska Dewi; Eko Arief Cahyono; Karomatul Hidayah
J-HES NIDA EL-ADABI: Jurnal Hukum Ekonomi Syariah Vol 3 No 2 (2025): Desember 2025
Publisher : LPPM STAI Nida El-Adabi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59166/mizanuna.v3i2.321

Abstract

Digital transformation has become an urgent necessity for Islamic Financial Institutions (LKS), including Baitul Maal wat Tamwil (BMT), in responding to technological developments and the demand for more efficient financial services. This study aims to analyze the implementation of digitalization in the operational system of BMT MEKAH Bojonegoro, identify the strategic opportunities it offers, and explore the challenges encountered during the transformation process. This research employs a qualitative descriptive approach, using data collected through observation, in-depth interviews, and documentation studies. The findings indicate that digitalization, marked by the launch of the BMT MEKAH Barokah mobile application, has successfully enhanced transparency, operational efficiency, and member trust. The innovation in Islamic financing, particularly through murabahah contracts, provides inclusive and Sharia-compliant financial solutions for micro-entrepreneurs. However, challenges such as low digital literacy, regulatory limitations on cooperatives, and uneven infrastructure remain significant obstacles. Therefore, digital transformation at BMT MEKAH presents substantial potential as a means of empowering the ummah’s economy, provided it is supported by appropriate policies, enhanced human resource capacity, and a strong commitment to Sharia values in institutional operations.
Implementation of Rahn Financing SOPs to Support the Sustainability of MSME Financing: A Case Study of the BMT At-Tajdid Sharia Cooperative: Implementation of Rahn Financing SOPs to Support the Sustainability of MSME Financing: A Case Study of the BMT At-Tajdid Sharia Cooperative Eko Arief Cahyono Eko; Qurotul Aini Salma Sasaria Salma; Diah Dwi Rizki Putri Qomariyah Diah; Mey Shofi Nurmawati Shofi; Sri Wahyuni Wahyuni; Moch. Darul Iksan Darul; M. Nashir Kholid Nashir; M. Shohibul Hikam Hikam; Moch. Sirodjul Mustofa Sirodjul
Jurnal Keuangan dan Perbankan Syariah Vol 5 No 2 (2026): Agustus 2026
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v5i2.6424

Abstract

Abstract   Purpose: This study aims to analyze the implementation of the Standard Operating Procedure (SOP) of rahn financing in supporting the sustainability of Micro, Small, and Medium Enterprises (MSMEs) financing at Koperasi Syariah BMT At-Tajdid Temayang Design/methodology/approach: This research employed a qualitative approach using field research and library research methods. Data were collected through interviews, observations, scientific journals, DSN-MUI fatwas, regulations, and other relevant literature. Data analysis was conducted using a descriptive qualitative approach to examine the implementation of the rahn financing SOP and its contribution to sustainable MSME financing. Research Findings: The findings indicate that the implementation of the rahn financing SOP includes administrative screening, field surveys based on character and collateral assessment, financing committee meetings, collateral valuation, and the determination of ujrah in accordance with sharia principles.   Contribution/Originality/Novelty: These processes contribute to financing risk mitigation, maintaining financing quality, and supporting the sustainability of financing distribution to MSMEs through more selective decision-making based on character and collateral aspects. This study contributes academically by enriching the literature on the implementation of rahn financing SOPs in Islamic microfinance institutions. The novelty of this research lies in its focus on SOP implementation as a preventive strategy to support sustainable MSME financing at Koperasi Syariah BMT At-Tajdid Temayang.
Co-Authors Abdul Wahid Nur Hadi Abror Yusuf Aditya Jefri Ardiansyah Afif Zainal Musthofa Agil Mutiara Nurjanah Ahmad Misbakhul Khoir Ahmad Muthi’ Uddin Aini, Retno Ana Mar'atus Safitri Anam, Khurul Anang, Arif Al Anida Ulya Silvina Ayu Setyaningsih Baiti Qoiriah, Anisa Burhanatut Dyana Dea Puput Mulyati Dery Ariswanto Diah Dwi Rizki Putri Qomariyah Diah Dilla Nisa’ul Mufida Diska Dwi Anjani Dwi Purbo Yuwono Eva Pitri Dispayanti Evan Maulana Jauhari Faisal Kusumo Farida Isroani Fatimatus Solikah Fatimatus Solikah, Sita Habib Faliqul Umam Habibullah, Hakim Mustofa Hakim Mustofa Habibullah Ilaina Tazkiroh Indah Listyorini Indri Putri Pratiwi Ira, Ira Aristiasari Isna Nurfaizah Karomatul Hidayah Khoir, Ahmad Misbakhul khoirul fadhila Fadhila Kholishatul Lailiyah Kurniasih Kurniasih Kurniasih Kurniasih Laila Nurul Hidayah Lailatul Isrokiyah Laily Rima Febrianti Lisa Aminatul Mukaromah M Iqbal Maulana M Rizqi Romadloni M. Jauharul Ma'arif M. Nashir Kholid Nashir M. Shohibul Hikam Hikam Malia Fransisca Melisa Agustin Maharani Melyza Wilda Aulia Mey Shofi Nurmawati Shofi Meysa Afriska Dewi Miftakhun Nasikhatin Ni’amah Mira Putri Agestina Moch. Darul Iksan Darul Moch. Sirodjul Mustofa Sirodjul Moh. Nur Hidayatulloh Mohammad Anshori Mohammad Rosidin Mubarokah, Nazilatul Muhammad Albar Muhammad Arifin Muhammad Zaenal Abidin Muhammmad Zaenal Abidin Munir Munir Mutiah Mutiah Mutiah Mutiah Mutiah Naufal, M Taufik Niken Ayu Putri Prameswari Nur Aswajum Muthoharoh Nurul Huda Putri Nabila Putri, Sofia Amaralda Qurotul Aini Salma Sasaria Salma Rachmatika Aghitsni Rara Romadona, Sefia Ratih Tri Oktaviana Sari Rawin Iksana Putra Ria Ardaniatus Sholikhah Ririn Fauziyah Rizqi Ramadhani Rohmad Apriyanto Rosidin, Mohammad Sabilla Putri Khairunisa Sella Damawati Sendy Nova Erlangga Putra Silvina, Anida Ulya Sindy Wahyu Silvia Sindy Wahyu Silvia Siska Putri Aprillia Sofia Amaralda Putri Sri Wahyuni Wahyuni Suttrisno Toni Hermansyah Umma Shofiatuz Zuhroh Yogi Prana Izza Yulia Indahsari Zahrotul Ni’mah Zahrotul Ni’mah Zakariya, Muhammad