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All Journal Journal The Winners Jurnal Keperawatan dan Kesehatan Masyarakat CENDEKIA UTAMA el-Jizya: Jurnal Ekonomi Islam Jurnal Ilmiah Administrasi Publik (JI@P) MUSLIM HERITAGE: JURNAL DIALOG ISLAM DENGAN REALITAS Jurnal ORTOPEDAGOGIA Jurnal Manajemen Indonesia ADMINISTRASI PUBLIK Jurnal Basicedu Referensi : Jurnal Ilmu Manajemen dan Akuntansi Performance JCRS (Journal of Community Research and Service) JBIMA (Jurnal Bisnis dan Manajemen) Jurnal E-Bis: Ekonomi Bisnis Al-Mal:Jurnal Akuntansi dan Keuangan Islam Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Indonesian Journal of Islamic Business and Economics (IJIBE) Mabsya : Jurnal Manajemen Bisnis Syariah Journal Mathematics Education Sigma [JMES] Didaktika Disclosure: Journal of Accounting and Finance Journal of Management and Islamic Finance JAMAIKA: Jurnal Abdi Masyarakat Jurnal Ekonomi, Bisnis dan Manajemen Jurnal Basicedu Innovative: Journal Of Social Science Research DINAMIKA: Jurnal Manajemen Akuntansi, Bisnis dan Kewirausahaan Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Muslim Heritage INASJIF Miftah Jurnal Sains Student Research Jurnal Pajak dan Analisis Ekonomi Syariah Jurnal Ekonomi, Akuntansi dan Perpajakan
Sulasih Sulasih
Unknown Affiliation
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Nursing Public Health Social Sciences Other

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Journal : Jurnal Ekonomi, Akuntansi dan Perpajakan

 1 
Analisis Risiko dan Mitigasi pada Produk Saqura BMT Bahtera KC Purwokerto Debby Laura Sendy; Dian Fatimah Azzahra; Desi Dwi Ruswanti; Neli Nurul Azizah; Sulasih, Sulasih
Jurnal Ekonomi, Akuntansi, dan Perpajakan Vol. 2 No. 4 (2025): November: Jurnal Ekonomi, Akuntansi, dan Perpajakan (JEAP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jeap.v2i4.1659

Abstract

This study aims to analyze the risks and mitigation strategies applied to the Saqura product at BMT Bahtera KC Purwokerto. Saqura is a special sharia-based savings product intended for financing aqiqah and qurban worship with a weekly deposit system. This study used a qualitative descriptive method through observation, structured interviews, and documentation. The results showed that the main risks faced include liquidity, operational, reputation, sharia, fund distribution, and external risks. However, the risk level at the Purwokerto branch is still relatively low due to strict management and a routine monitoring system. Mitigation is carried out through the application of the 5C principle (Character, Capacity, Capital, Collateral, Condition), HR training, sharia audits, and cash management and active communication with members. In conclusion, BMT Bahtera KC Purwokerto has good growth potential with effective risk management, supporting the sustainability of the Saqura product and member trust in sharia financial services.                                                            
Co-Authors Agus Suroso Ahmad Suriansyah Aizza, Dianatul Anggita Syafni Aulia Anisatul Amalia Anjani, Wiwin Asky Humeriatunnisa Aslamiah Aslamiah Darmawati Darmawati Darmawati Darmawati Debby Laura Sendy Desi Dwi Ruswanti Diah Setyorini Gunawan Dian Fatimah Azzahra Ega Fransiska Endang Pudjiastuti Sartinah Findianingnsih, Arisa Findianingsih, Arisa Firmansyah, Dani Handini, Oktiana Hartotok, Hartotok Humamul Hakim Icuk Rangga Bawono, Icuk Rangga Intansari, Anggita Isty Ismiati Ismiati Isnaeni, Resti Ita Solihatun Jajang Jajang Jamal Abdul Aziz Kamsiah Kamsiah Khairunnisa Dwinalida M. Irwan Farouki Maamor, Selamah Maryani, Sri Maula, Muhammad Ihza Maulana, Mohamad Riski Maulida, Indah Ilma Mukarromah, Laili Murdjoko, Murdjoko Mustaghfiroh, Lailatul Neli Nurul Azizah Nindita Septiana Putri Novika Nur Fitriana Nur Najiba Sukmawati Oktiana, Rima Dwi Pandu Kurniawan Pari Purnaningsih Parno Parno Pratiwi, Rizka Sobriyani Purnaningsih, Pari Rahman, Ifa Hanifa Resti Isnaeni Rifda Naufalin Rohiwan, Sidik Sarpini Sarpini Setyanto, Refius Pradipta Sidik Rohiwan SUKMAWATI, NUR NAJIBAH Suliyanto . Suliyanto Suliyanto Sutriawati Sutriawati Trianingsih, Ade Ulya, Rifqo Yatul Unfah Ziyan Zuhwa Wagino Wahyuningtyas, Ida Puspitarini Weni Novandari Weni Novandari Yennie Juhar Latifah Yoiz Shofwa Shafrani, Yoiz Shofwa