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All Journal Attanwir : Jurnal Keislaman dan Pendidikan Al-Muraqabah: Journal of Management and Sharia Business
Aris Zulianto
STAI Attanwir Bojonegoro
Religion Economics, Econometrics & Finance Social Sciences

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Pengaruh Pengetahuan dan Brand Image Terhadap Minat Memilih Produk Tabungan Mudharabah pada Koperasi Syariah BTM Dinar Nasyiah 2 Sumberrejo Aris Zulianto
Attanwir : Jurnal Keislaman dan Pendidikan Vol. 10 No. 2 (2019): September
Publisher : STAI Attanwir Bojonegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (936.64 KB) | DOI: 10.53915/jurnalkeislamandanpendidikan.v10i2.20

Abstract

BTM Dinar Nasyiah merupakan lembaga keuangan yang bernaung di bawah undang-undang perkoperasian yang bergerak sesuai prinsip syariah. Keberadaan Koperasi Syariah tidak lain adalah untuk menolong kepada sesama manusia yang membutuhkan bantuan.Adanya pengetahuan bagi setiap kalangan masyarakat bukan lagi hal yang mennganggu aktifitas mereka. Dimana kemajuan lembaga keuangan syariah bukan lagi perihal kesenjangan masyarakat, namun dipengaruhi oleh kekuatan citra lembaga yang dicerminkan dari sikap anggotanya. Di saat masyarakat memperoleh manfaat baik dari menggunakan jasa lembaga tersebut maka citra lembaga di mata masyarakat akan semakin baik. Jenis data yang digunakan dalam penelitian ini adalah data kuantitatif serta berupa data sekunder yang meliputi tabel dan gambar dari hasil olah data SPSS versi 16.0. Metode pengumpulan data yang digunakan adalah angket. Metode analisis yang digunakan dalam penelitian adalah analisis regresi berganda. Hasil penelitian menunjukkan bahwa secara parsial pengetahuan masyarakat tidak berpengaruh terhadap minat memilih produk tabungan mudharabah. Sedangkan secara simultan pengetahuan masyarakat dan brand image berpengaruh signifikan terhadap minat memilih produk tabungan mudharabah. Besarnya pengaruh pengetahuan masyarakat dan brand image adalah 88,3%, sedangkan sisanya sebesar 0,117 atau 11,7% dipengaruhi oleh variabel lain.
Penerapan Manajemen Risiko Kredit Dan Likuiditas Dalam Memberikan Pinjaman Dan Pembiayaan Kepada Anggota (Studi Pada BMT Nashrul Umam Balen) Aris Zulianto; Nimas Dewi Lestari
Al-Muraqabah: Journal of Management and Sharia Business Vol. 2 No. 1 (2022): Al-Muraqabah: Journal of Management and Sharia Business
Publisher : Sharia Business Management Study Program, Faculty of Economics and Islamic Business at IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (275.943 KB) | DOI: 10.30762/almuraqabah.v2i1.189

Abstract

Based on the regulation of the Financial Services Authority (OJK) regarding the implementation of risk management in Islamic microfinance institutions, including the management of credit risk and liquidity risk. Credit risk (financing risk) is a risk that occurs due to the inability of the borrower and/or others to pay dependents to financial institutions. Whereas Liquidity risk is the risk that occurs as a result of NBFI liquidity management (Non-Bank Financial Services Institution) which failed. The purpose of this research is to know the application of risk management in providing financing to members. In this research, the author used a qualitative approach with a descriptive method and type of case study research on the object. With this methodology, the author describes the application of management credit and liquidity, methods of financing decisions, and integration of risk management in financing. The research results obtained are: (1) The application of risk management is to reduce financing so that NPL (Non-Performing Loan) financial institutions remain below standard; (2) In making financing decisions, the marketing department is required to: observe the main principle, namely 5C which relates to the overall state from prospective members, including character (character), capital (capital), capacity (ability), collateral (guarantee), and condition of the economy (state of the economy); (3) In the implementation of day-to-day operations of risk management integration credit and liquidity are indispensable in providing loans and financing to members. This is due to integration in implementation risk management for credit and liquidity risk can have implications for the liquidity position of BMT.
Co-Authors Nimas Dewi Lestari