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All Journal Journal on Education Iqtisadie: Journal of Islamic Banking and Shariah Economy
Abdul Majid Toyyibi
STAI AL FITHRAH
Economics, Econometrics & Finance Education

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PERSENTASE BAGI HASIL MUDHARABAH DAN RATE BUNGA DALAM PEMBERIAN MODAL USAHA MIKRO (STUDI KASUS BMT MUDA JATIM SURABAYA DAN KOPERASI K3PG GRESIK) Abdul Majid Toyyibi; Anni Mujahidah Duta Pertiwi
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 1 No. 2 (2021): September 2021
Publisher : Program Studi Perbankan Syariah STAI Al-Fitrah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (820.43 KB)

Abstract

This study aims to determine the Percentage of Profit Sharing and Interest Rate in the Provision of Micro Business Capital. Researchers also want to know how many use financing from BMT MUDA and K3pg Cooperatives. The research method uses a qualitative approach. This type of research uses a descriptive-comparative method by comparing the data for profit sharing and interest rates in providing micro business capital at BMT MUDA East Java Surabaya and K3PG Petrokimia Gresik. The researcher collected data by using observation, interview and documentation techniques. The results of research conducted by researchers on BMT MUDA and K3PG Cooperatives are more dominant in K3PG because in repayment of financing, K3PG is automatically deducted from the monthly salary. Meanwhile, in MUDA BMT, the payment is from the results of the managed business.
Financing Customer Default Risk Control System at BMT Amanah Ummah Surabaya Abdul Majid Toyyibi; Amelia Ningsih; Faisol Lurrohman
Journal on Education Vol 5 No 3 (2023): Journal on Education: Volume 5 Nomor 3 Tahun 2023
Publisher : Departement of Mathematics Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joe.v5i3.1717

Abstract

An Islamic financial institution such as BMT Amanah Ummah hopes for soundness in financing its customers, but the running of financing activities certainly emphasizes that technical rules must be implemented so that default problems will occur so that risk control is the main thing for BMT analysts. The purpose of this study is to determine the BMT risk control system in the occurrence of the risk of default on financing customers. While this research is a type of field research which then uses qualitative research as its approach. In order to get credible results, the researchers carried out data collection techniques, data analysis to the validity of the data. The results of his research are that an BMT Amanah Ummah analyst puts forward the precautionary principle as initial control because it is the main basic part that must be considered besides also having to review based on the character of the customer.
Co-Authors Amelia Ningsih Anni Mujahidah Duta Pertiwi Faisol Lurrohman