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All Journal Journal of Tropical Soils The Journal of Pure and Applied Chemistry Research COMPETITIVENESS JOURNAL MUSLIM HERITAGE: JURNAL DIALOG ISLAM DENGAN REALITAS IJFAC (Indonesian Journal of Fundamental and Applied Chemistry) Jurnal RESTI (Rekayasa Sistem dan Teknologi Informasi) Jurnal Akademika Kimia SYAMIL: Jurnal Pendidikan Agama Islam (Journal of Islamic Education) Jurnal Al-Ashlah Tasamuh: Jurnal Studi Islam Jurnal Studi Ilmu-ilmu Al-Qur'an dan Hadis JURNAL PENELITIAN Journal of Islamic Monetary Economics and Finance JURNAL PENELITIAN EKONOMI DAN AKUNTANSI (JPENSI) Jurnal Teknik Sipil dan Teknologi Konstruksi International Journal of Zakat (IJAZ) Jurnal Abdi Insani PUBLIKASI PENELITIAN TERAPAN DAN KEBIJAKAN Attractive : Innovative Education Journal Reswara: Jurnal Pengabdian Kepada Masyarakat Journal of Islamic Law Jurnal Ekonomi dan Manajemen Lumbung Inovasi: Jurnal Pengabdian Kepada Masyarakat Forum Bisnis dan Kewirausahaan International Journal of Economics, Management, Business, and Social Science Transformasi : Jurnal Kepemimpinan dan Pendidikan Islam JEMBATAN (Jurnal Ekonomi, Manajemen, Bisnis, Auditing, dan Akuntansi) ARRUS Journal of Social Sciences and Humanities Nekton Empowerment : Jurnal Pengabdian Pada Masyarakat Al-Muamalat : Jurnal Ekonomi Syariah Pappasang Balanca : Jurnal Ekonomi dan Bisnis Islam SYAMIL: JURNAL PENDIDIKAN AGAMA ISLAM (JOURNAL OF ISLAMIC EDUCATION) Makara Journal of Science Jurnal Pepadu Journal of Islamic Economics Lariba Al-Hukmi : Jurnal Hukum Ekonomi Syariah dan Keluarga Islam Jurnal Pengabdian Pada Masyarakat Priviet Social Sciences Journal Muslim Heritage Panrita Inovasi: Jurnal Pengabdian Kepada Masyarakat Jurnal Penelitian Al Irfani: Journal of Al Qur'anic and Tafsir Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Bulletin of Chemical Reaction Engineering & Catalysis ARUS JURNAL SAINS DAN TEKNOLOGI Jurnal Medika: Medika Jurnal Kecerdasan Buatan dan Teknologi Informasi Al-Mizan : Jurnal Ekonomi Syariah Amwaluna: Jurnal Ekonomi dan Keuangan Syariah International Journal of Islamic Business and Economics (IJIBEC) Rekayasa: Jurnal Penerapan Teknologi dan Pembelajaran Journal of Environmental and Science Education Jurnal Ilmiah Mahasiswa & Penelitian Keperawatan Al-Amal: Jurnal Manajemen Bisnis Syariah Tapis : Jurnal Penelitian Ilmiah Al-Infaq : Jurnal Ekonomi Islam
MUHAMMAD SAID
UIN Sunan Kalijaga
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Journal : Muslim Heritage

 1 
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
Co-Authors A. Taufik Arief Aam Rusydiana, Aam Abd. Rahman Abdillah, Fardan Abdul Wahab Mohammad, Abdul Abdullah, Mahmoud Addy Rachmat Adiara Firdhita Alam Nasyrah Adipati Napoleon Ady Mara, Ady Afreni Hamidah Agustiarini, Vitri Ahmad Ahmad Akbar, Firman Muhammad Abdurrohman Aldes Lesbani Alfarado, Daniel Amri Amri Anang Wahid M.Diah Andi Dinul Islam Firdaus Andi Kiki Patmawati Anggreini, Fevica Dwi Aprianti, Tine Ariandi, Muhammad Amir Arief Mufraini, Arief Arkanudin Arkanudin Armaini, Sri Atapukan, Ruhana Awaliyah, Annisa Nurhikmah Ayuandiani, Wulan Bambang Yudono Batuallo, Ignasia Debbye Bayinah, Ai Nur Bijak Riyandi Ahadito Bunyamin, A. Bunyamin, Andi Bustan Bustan, Bustan Cendhikalistya, Gustrin Oktaviayu Dahliana, Andi Besse Danovan, Seno David Bahrin Dedi Rohendi Desnelli Desnelli Dhamayanti, Erika Dwi Surti Junida Dwipayana, Hendra Eddy Ibrahim Elisa Nurnawati Fatma Fatma Fauziah, Fenty Ferlinahayati Ferlinahayati Gaffar, Farida Giri Dwinanda Hamdani, Fikri Hartomi Maulana Hasanudin Hasanudin Hasanudin Hayati, Tiara Nur Heni Yohandini herlan junaidi, herlan Hidayat, Raihan Hildawati Hildawati, Hildawati Ibrahim Ibrahim Ida Ayu Putu Sri Widnyani Ikram, Ahmad Indriyanti Izzudin, Muhammad Jam'an, Andi Jamiah Jamiah, Jamiah Julinar Julinar Jumadi Jumadi Kasnelly, Sri Kuswandi Kuswandi Lambang Basri Said Leily Nurul Komariah Madi , Minhajuddin Madi, Abdullah Habar Maesarah, Aolia Mappanganro, Mappanganro Marsuq Marsuq Maspaeni Masud, Masdar Meiliza, Cici Miftahul Jannah Minhajuddin Madi Mirani, Mirani Mirna Apriani Mirna Mirna mohamad jamil Muhammad Faisal Muhammad Faizal Muhammad Hendri Muhammad Nur Muhammad Nur Ihsan, Muhammad Nur Muhammad Tahir Muhammad Taufiq Muhammad Yunus Muhammad Yusuf Muhammad, Firman Muharam, Akbar Malik Muhyin, Muhyin Musifa, Eva Mustakim Mustakim Nafis, Muhammad Cholil Najma Annuria Fithri, Najma Annuria Nani Nagu Nova Yuliasari Novia Novia Novianti, Omega Nurkholis, Lalu Moh. Nurlailia, Umi Nurlisa Hidayati Nurusshobah, Nurusshobah Okzani, Syahrial Paizin, Khaerul Pardi, M. Habib Husnial Pawesty, Enik Poedji Loekitowati Hariani Pratama, Syahrul Putra, Arya Nirwansyah Dwi Rahim, Muhammad Rafiiy Rahmawati, Aisha Maulia Rahmawati, Rahmawati Rasiam, Rasiam rendana, muhammad Restika, Indah RINI RINI Rizki, Widya Twiny Rizkiani, Delisa SABARUDDIN, . Sabbahatun, Sri Safitri, Siska Said, Muhammad Ide Sakmawati, Sakmawati Sakur Jaelani, Muammad Sapri, Rasti Satria Jaya Priatna, Satria Jaya Sayakhmad, Olimov Selfiani Selfiani, Selfiani Selpiana, Selpiana Siti Asiah Siti Rozaimakh Sheikh Abdullah, Siti Solly Aryza SR, Naharuddin Sri Mulyani Sabang Sri Suryani Sry Muliyani Subroto Subroto Suci Wulandari Sudirman, San Suhardiman Suhardiman Suheyanto Suheryanto Sulaiman, Adibah Suparta, Munzier Suprani, Yun - Surahman Amin, Surahman Suroso, Eddy Suswanto, Riza Eko Suyuti DM, Yusnan Syahrir, Dimas Kenn Syarif Hidayattullah, Ahmad Syarkawi, Mukhtar Thahir Tahir, Muh. Tarmizi Taufiq Hanafi , Azizan M Tenriware, Tenriware Tikawati Tikawati, Tikawati Tsani, Musmuliadi Umiyati Umiyati, Umiyati Urmila, Rafiatul Usnawati , Ulya Vilantina, Vilantina Wahana, Syainullah Wahyudi, Ickhsanto Widia Purwaningrum Wijaya, Yonggi Yama, Indo Yazila, Syukran Yudi Astuti, Rahma Yun Suprani, Yun Yusran Haskas Yusro Hakimah, Yusro Zahra, Inas Afifah Zainal Fanani