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STRATEGI PENYELESAIAN PEMBIAYAAN BERMASALAH PADA AKAD MUDHARABAH DI BANK MUAMALAT INDONESIA SERTA PENGARUHNYA TERHADAP PENURUNAN TINGKAT NON PERFORMING FINANCING (NPF) BANK MUAMALAT INDONESIA Lestari, Nur Melinda; Wati, Setia
Jurnal Ekonomi Islam Vol 9 No 1 (2018): Jurnal Ekonomi Islam (MEI)
Publisher : Universitas Muhammadiyah Prof Dr Hamka

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The author conducts the research within the scope of the Troubled Financing Settlement Strategy on Mudharabah Agreement at Bank Muamalat Indonesia. Problem financing is a problem that is very influential on bank soundness and almost occur in some banks, not to mention the Bank Muamalat Indonesia classified as experiencing problematic financing sufficient to the spotlight in the 2014 period of 6.55% and 2015 of 7.11%. Facts prove that in 2016 Bank Muamalat Indonesia able to reduce the level of problem financing to 3.83% and in 2017 to 4.7% thus proving that in fact Bank Muamalat Indonesia able to complete financing problem well in the next year with the strategy of financing problem settlement Bank Muamalat Indonesia conducted in the year 2016. However, the current discourse of Bank Muamalat will be acquired by Minna Padi securities company due to lack of capital faced by Bank Muamalat Indonesia caused by high NPF (Non-Performing Finance) factor, more or less influenced by problematic financing including mudharabah financing. This study aims to determine the strategy of financing settlement on mudharabah contract. The results of this study show that in the handling of customers who experienced problematic financing, Bank Muamalat Indonesia using the strategy, revitalization: rescheduling, reconditioning, restructuring and management assistance, then if the customer is not well-settled then the Settlement is settled through the guarantee, Through BAMUI (Arbitration Board Muamalat Indonesia), and settlement by way of Litigation. The results of this study are expected to provide input to the high NPF (Non-Performing Finance) issues currently facing Bank Muamalat Indonesia and target the NPF to fall to 3%.

STRATEGI PENYELESAIAN PEMBIAYAAN BERMASALAH PADA AKAD MUDHARABAH DI BANK MUAMALAT INDONESIA SERTA PENGARUHNYA TERHADAP PENURUNAN TINGKAT NON PERFORMING FINANCING (NPF) BANK MUAMALAT INDONESIA Nur Melinda Lestari; Setia Wati
Ekonomi Islam Vol. 9 No. 1 (2018): Jurnal Ekonomi Islam (MEI)
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (559.81 KB)

The author conducts the research within the scope of the Troubled Financing Settlement Strategy on Mudharabah Agreement at Bank Muamalat Indonesia. Problem financing is a problem that is very influential on bank soundness and almost occur in some banks, not to mention the Bank Muamalat Indonesia classified as experiencing problematic financing sufficient to the spotlight in the 2014 period of 6.55% and 2015 of 7.11%. Facts prove that in 2016 Bank Muamalat Indonesia able to reduce the level of problem financing to 3.83% and in 2017 to 4.7% thus proving that in fact Bank Muamalat Indonesia able to complete financing problem well in the next year with the strategy of financing problem settlement Bank Muamalat Indonesia conducted in the year 2016. However, the current discourse of Bank Muamalat will be acquired by Minna Padi securities company due to lack of capital faced by Bank Muamalat Indonesia caused by high NPF (Non-Performing Finance) factor, more or less influenced by problematic financing including mudharabah financing. This study aims to determine the strategy of financing settlement on mudharabah contract. The results of this study show that in the handling of customers who experienced problematic financing, Bank Muamalat Indonesia using the strategy, revitalization: rescheduling, reconditioning, restructuring and management assistance, then if the customer is not well-settled then the Settlement is settled through the guarantee, Through BAMUI (Arbitration Board Muamalat Indonesia), and settlement by way of Litigation. The results of this study are expected to provide input to the high NPF (Non-Performing Finance) issues currently facing Bank Muamalat Indonesia and target the NPF to fall to 3%.

ANALISIS PENILAIAN DAN TANGGAPAN ALUMNI PERBANKAN SYARIAH PERIODE 2016-2018 Nur Melinda Lestari; Fatma Yeni
Ekonomi Islam Vol. 12 No. 1 (2021): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v12i1.6146

The tracer study is a tracing study conducted for alumni of the Islamic Banking Department of the Islamic Faculty of UHAMKA who graduated in 2016, 2017, and 2018. Tracer Study is an important part of the existence of universities, especially the Sharia Banking study program in an effort to examine the links and matches of graduate quality in the world of work especially in Islamic banking financial institutions and non-banking Islamic financial institutions with learning services that have been provided during the study period in the Sharia Banking study program. The implementation of tracer studies in tertiary institutions is focused on tracking graduates in order to get feedback from the education/learning processes and services that have been carried out, both to alumni and users of graduates in society (stakeholders). Periodically, the UHAMKA Islamic Banking Study Program conducts a Tracer Study with the aim of improving the quality of learning services based on feedback from alumni and graduate users through this Tracer Study. The Tracer Study of the UHAMKA Islamic Banking Study Program was carried out for graduates in 2016, 2017, and 2018 starting from June to November 2020. The Tracer Study conducted at the UHAMKA Sharia Banking Study Program used the survey method for alumni who graduated two years ago and to the users. In-depth interviews were conducted with several alumni and selected graduate users to strengthen the findings of the tracer study for improving learning services in the UHAMKA Islamic Banking Study Program. The results show that the learning system implemented by the Sharia Banking Study Program can be said to be successful, it's just that the introduction of Al-Islam and Muhammadiyah has to be raised in the future. Data mining was carried out on an IT-based basis in order to reach all the targets of the Tracer Study targets. Keywords: Tracer Study, Islamic Banking, UHAMKA

STRATEGI PENYELESAIAN PEMBIAYAAN BERMASALAH PADA AKAD MUDHARABAH DI BANK MUAMALAT INDONESIA SERTA PENGARUHNYA TERHADAP PENURUNAN TINGKAT NON PERFORMING FINANCING (NPF) BANK MUAMALAT INDONESIA Nur Melinda Lestari; Setia Wati
Ekonomi Islam Vol. 9 No. 1 (2018): Jurnal Ekonomi Islam (MEI)
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (559.81 KB)

The author conducts the research within the scope of the Troubled Financing Settlement Strategy on Mudharabah Agreement at Bank Muamalat Indonesia. Problem financing is a problem that is very influential on bank soundness and almost occur in some banks, not to mention the Bank Muamalat Indonesia classified as experiencing problematic financing sufficient to the spotlight in the 2014 period of 6.55% and 2015 of 7.11%. Facts prove that in 2016 Bank Muamalat Indonesia able to reduce the level of problem financing to 3.83% and in 2017 to 4.7% thus proving that in fact Bank Muamalat Indonesia able to complete financing problem well in the next year with the strategy of financing problem settlement Bank Muamalat Indonesia conducted in the year 2016. However, the current discourse of Bank Muamalat will be acquired by Minna Padi securities company due to lack of capital faced by Bank Muamalat Indonesia caused by high NPF (Non-Performing Finance) factor, more or less influenced by problematic financing including mudharabah financing. This study aims to determine the strategy of financing settlement on mudharabah contract. The results of this study show that in the handling of customers who experienced problematic financing, Bank Muamalat Indonesia using the strategy, revitalization: rescheduling, reconditioning, restructuring and management assistance, then if the customer is not well-settled then the Settlement is settled through the guarantee, Through BAMUI (Arbitration Board Muamalat Indonesia), and settlement by way of Litigation. The results of this study are expected to provide input to the high NPF (Non-Performing Finance) issues currently facing Bank Muamalat Indonesia and target the NPF to fall to 3%.

PENGARUH TINGKAT LITERASI MAHASISWA PERBANKAN SYARIAH TERHADAP INKLUSI KEUANGAN PRODUK PERBANKAN SYARIAH DALAM TRANSAKSI E_COMMERCE Nur Melinda Lestari
Ekonomi Islam Vol. 10 No. 2 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (792.876 KB)

Survey of the Financial Services Authority (OJK) in early 2018 showed sharia financial literacy levels were only 8% based on inclusion rates, for sharia banks themselves reaching highest literacy rates of 6,6% literacy rates and 9% inclusion rates, this was the goal of the banking sharia, of the many obtained in each academic year, must be able to contribute to development of shariah banking literacy levels. Student markets are large for e-commerce and the market. This study looks at the level of financial inclusion of Islamic banking in e-commerce transactions. The instrument test was conducted to test the quality of the instruments used in the study using the classic assumption test, normality test, autocorrelation test, and heteroscedasticity test, the data analysis technique of this study used simple regression analysis. Keywords: Student Literacy Mahasiswa, M-banking Inclusion

ANALISIS PENILAIAN DAN TANGGAPAN ALUMNI PERBANKAN SYARIAH PERIODE 2016-2018 Nur Melinda Lestari; Fatma Yeni
Ekonomi Islam Vol. 12 No. 1 (2021): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

The tracer study is a tracing study conducted for alumni of the Islamic Banking Department of the Islamic Faculty of UHAMKA who graduated in 2016, 2017, and 2018. Tracer Study is an important part of the existence of universities, especially the Sharia Banking study program in an effort to examine the links and matches of graduate quality in the world of work especially in Islamic banking financial institutions and non-banking Islamic financial institutions with learning services that have been provided during the study period in the Sharia Banking study program. The implementation of tracer studies in tertiary institutions is focused on tracking graduates in order to get feedback from the education/learning processes and services that have been carried out, both to alumni and users of graduates in society (stakeholders). Periodically, the UHAMKA Islamic Banking Study Program conducts a Tracer Study with the aim of improving the quality of learning services based on feedback from alumni and graduate users through this Tracer Study. The Tracer Study of the UHAMKA Islamic Banking Study Program was carried out for graduates in 2016, 2017, and 2018 starting from June to November 2020. The Tracer Study conducted at the UHAMKA Sharia Banking Study Program used the survey method for alumni who graduated two years ago and to the users. In-depth interviews were conducted with several alumni and selected graduate users to strengthen the findings of the tracer study for improving learning services in the UHAMKA Islamic Banking Study Program. The results show that the learning system implemented by the Sharia Banking Study Program can be said to be successful, it's just that the introduction of Al-Islam and Muhammadiyah has to be raised in the future. Data mining was carried out on an IT-based basis in order to reach all the targets of the Tracer Study targets. Keywords: Tracer Study, Islamic Banking, UHAMKA

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