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Journal : Moderasi : Journal of Islamic Studies

Mitigasi Risiko Pembiayaan Mudharabah Studi BMT Assyafiiyah Berkah Nasional Kotagajah Perspektif Veithzal Rivai Tahun 2024 Anwar, M. Syaiful; Farida, Annikamah; Khotamin, Nur Alfi; Rahmawati, Rita
Moderasi : Journal of Islamic Studies Vol. 5 No. 1 (2025): June
Publisher : Lajnah Ta'lif wan Nasyr Nahdlatul Ulama (LTN-NU) Kabupaten Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/moderasi.v5i1.89

Abstract

Risk mitigation in mudharabah financing is a critical measure for Islamic microfinance institutions such as BMT Assyafi’iyah Berkah Nasional Kotagajah to maintain financial stability and reduce the risk of default. Risks such as moral hazard, information asymmetry, and limited member understanding of mudharabah contracts can significantly hinder financing operations. To address these challenges, the institution has implemented strategies including stringent screening of financing applicants by assessing business feasibility and financial history, conducting regular supervision, providing business mentoring, and educating members on the rights and obligations under mudharabah contracts. As a cooperative-based financial institution owned by its members, BMT Assyafi’iyah holds a significant responsibility to manage mudharabah financing in alignment with Islamic principles. The effectiveness of risk mitigation not only affects the operational sustainability of the institution but also the overall welfare of its members. This study aims to analyze the implementation of risk mitigation strategies in mudharabah financing at BMT Assyafi’iyah Berkah Nasional and evaluate their alignment with Veithzal Rivai’s risk mitigation principles. Using a descriptive qualitative approach and a case study method, data were collected through interviews, observations, and internal document analysis to gain a deep and contextual understanding. The findings indicate that although the institution has implemented key mitigation strategies—such as strict selection processes and business assistance—their effectiveness is still hindered by limited human resources, inadequate monitoring technology, and low member literacy regarding Islamic contracts. The study recommends capacity building, enhancement of technology-based monitoring systems, and intensive education for members. These findings provide valuable insights for other Islamic microfinance institutions aiming to improve the sustainability and Sharia compliance of their financing operations.
Co-Authors - Siswandari Abd. Rahman, Ika Marlina Abdul Djohar Abdul Hoyyi Abraham Yazdi Martin Abubakar Iskandar Adisti Permatasari Putri Hartoyo Afrizal Sidik Agung Santoso Agus Rusgiyono Agus Setiawan Agustifa Zea Tazliqoh Agustina Indriani Agustinus Lolok AHMAD BURHANUDDIN Ahmad Desta Reswandi Alan Prahutama Alan Prahutama Aldila Abid Awali Alfahari Anggoro, Alfahari Alinda Allima Stefiana Insani Ambariyani Ambariyani, Ambariyani Angga Saputra Anggita Puri Savitri Anggraeni, Devina Nurul Anggraeni, Nadiya Anggraini Susanti Kusumawardani Ani Mardiantari Ani, Adesi Rizki Indri Anik Djuraidah Anindya Aryu Inayati Anjas, Muhammad Annikmah Farida Annikmah Farida, Annikmah Annisa Nur Fathia Anton Suhartono Anwar, M. Syaiful Aprilia, Fadillah Apriliani, Afmi Arif Kurnia Wijayanto Aripin, Khairul Arsyad, Mufid Asep Mulyana Asep Mulyana Asep Yoyo Wardaya Asmuni Hayat Aulia Ikhsan Aziz, Hilmy Azzahra Nur Safitri Bawamenewi, Venni Alfrianni Betha Noranita Bhinekawati, Henny Budi Warsito Bunyamin Chrysmandini Pulung Gumauti, Chrysmandini Pulung Chyntia Arum Widyastusti Cinta, Nur Cuhandi Danil, Mahmud Daniyati, Dian Dedy Douglas Harianja Devy, Happy Sista Diah Safitri Diah Safitri Dian Daniyati Dian E Idris Gentini Dina Rosmalia Listya Utami Dwi Ispriyanti Ebeit Devita Simatupang Eka Nurzannah Eko Adi Sarwoko Eko Adyan Sukanianto Elvia Ivada Erfan Sofha Esti Zaduqisti Esti Zaduqisti Eti karini Fajar Heru Setiawan Fajar, Malik FANDI AHMAD Farda Nur Sa'adah Farhati, Muthia Zahra Farida, Annikamah Fatima, Suwanto Fauzi, Kiki Rizki Fikri, Aan Maudlihul Firda Megawati Fitri, Rina Nuzulia Fitria Aprilia Suherman Fitrian Fariz Ichsandi Fitta Setiajiati Gamal Abdel Nasser Masikki Gotfridus Goris Seran Habib Ismail, Habib Hafii Risalam Hanien Nia H Shega Hasbi Yasin Hasbi Yasin Herliansyah, Muhammad Rudy Ika Sartika Ika Trisnawati A Ikha Rizky Ramadani Ikhwanudin Illahi, Muhammad Jaya Indrayati Galugu Indria Tsani Hazhiah Irhamuddin Istiroha Ita Dwilestari Iwannudin Levina, Geralda Lies Kurnia Irwanti Lina Karlinasari M. Muslih M. Muslih Husein M.Pd S.T. S.Pd. I Gde Wawan Sudatha . Madani, Hilmi Naufal Maharani Febriana Putri Marthin Nosry Mooy Maslachah, Maslachah Mega Susilowati Melati Puspa Nur Fadlilah Moch. Abdul Mukid Moch. Abdul Mukid Mohammad Yahya Mono Pratiko Gustomi Muchammad Aziz Chusen Muhammad Abid Muhyidin Muhammad Andi Septiadi Muhammad Hilman Rizki Abdullah Muhammad Husein Maruapey muhammad luthfie Muhammad Rendi Ramdhani Muhammad Yusuf Muhimmi, Aliyatul Mumaiyizah, Mumaiyizah Mustafid Mustafid Mustafid Mustafid Mustopa, Eliza Nur Fauziah Mutiara Ardin Rifkiani Nabila, Eva Salsa Nabilah, Siti Nafidhatul Firda Eka Syahfitri Nariswari Diwangkari, Nariswari Niken Anggraini Dewi Noor Fitri Novian Trianggara Novie Eriska Aritonang Nugraha, Rayhan Cahya Nur Alfi Khotamin Nur Alfi Khotamin, Nur Alfi Nurhikmah Megawati Nuril Faiz Nurohmah, Siti NurRizki, Muhammad NURUL QOMARIYAH Nurul Ramadhany Nurwijayanti Octafinnanda Ummu Fairuzdhiya Onny Kartika Hitasari Oom Komala Pagiling, luther Pratama Ganang Widayaka Pratiko, Mono Puji Retnowati Purnama, Maulana Hasyim Purnamasari, Irma Purwo Jatmiko Putri, Listya Eka Rachmawati, Siti Hesti Rahayu Ningtyas Rahman, Muhammad Faizal Rezza Rahmawati, Rizky Devi Rakhmat, Rakhmat Ramdani, Faisal Tri Riana Ikadianti Rifana, Haikal Zaky Rifki Adi Pamungkas, Rifki Adi Rindayati, Rindayati Rini, Etika Risqi, Muhammad Riyan Eko Putri Rizki Taher Dwi Kurniawati Rizqi Izrul Alamsyah Robertus Heri Sulistyo Utomo Roestamy, Martin Ronny Gusnadi Rosyadi, Hanang Rosyidah, Haniatur Rudi Santoso Rukun Santoso Rumuzi, Moh. Rustandi, Resyiana Saffira Rutinaias Haholongan Sabella, Shalsa Putri Sabhariyah, Riesmiati Samantha, Kenia Santoso, Haris Saprudin Saprudin, Saprudin Sastrawan, Berry Satriawan, Handi Seftina, Any Shifa Seta Satria Utama Shinta Dewi Rismawati Sirojuddin, Wawan SISWOYO Siti Nur Qomariah Sri Wijayanti Sri Wijayanti St.Nawal Jaya Suarman, Agus Sudarno Sudarno Sugito - Sugito Sugito Sugiyanto - Sukanianto, Eko Adyan Sukarelawati Sukarelawati Sultoni, Muhammad Rafli Suparti Suparti Susanti, Mey Syah, Hengky Firman Syahfitri, Nafidhatul Firda Eka Syeh Sarip Hadaiyatullah Tarno Tarno Tarno Tarno Tatik Widiharih Tatik Widiharih Thoha, Silvia Milady Azkiya Tri W., Vian Sigit Triana Sofiani Triana Sofiani Trianah Shofiani Triastuti Wuryandari Trisnawati A, Ika Ula, Fashihatul Ulfah Juniarti Siregar umah, khoiroh Umam, Misbahul Fuadil Umar A. J, Sabrina Mubarak USWATUN HASANAH Vica Nurani Wati, Eka Masitho Wilis Ardiana Pradana Yuanita Syaiful Yuciana Wilandari Yuciana Wilandari Yulianita . Yunisa Ratna Resti Yunita, Norma Zahroh, Roihatul Zulfa, Iin Dana