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Journal : Journal MISSY (Management and Business Strategy)

ANALISIS TINGKAT KESEHATAN UNIT SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH (USPPS) KOPERASI SYARIAH BMT AL-KAROMAH MARTAPURA Hayati, Laila; Rusdiana, Rusdiana; Rizqiani3, Hu’shila Awalia
Journal MISSY (Management and Business Strategy) Vol 3 No 2 (2022)
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Wiraraja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24929/missy.v3i2.2305

Abstract

The health assessment (PENKES) of Islamic savings and loan cooperatives and Islamic savings and loan and financing units (KSPPS/USPPS) of cooperatives is an assessment to measure the soundness of Islamic savings and loan and Islamic financing cooperatives and Islamic savings and loan units and cooperative financing on a periodic or incidental basis. Assessment of the health of cooperatives is very important to do, to find out more about the condition of cooperatives in terms of financial health, management and compliance with sharia principles. So the purpose of this research is to analyze the soundness of the sharia savings and loan and financing unit (USPPS) of the BMT Al-Karomah Martapura sharia cooperative in 2021. This type of research is qualitative research (Qualitative study). And including field research, using descriptive analysis with an inductive mindset. The subject studied was the Manager of the BMT Al-Karomah Martapura Sharia Cooperative. While the object is the soundness level of the Islamic savings and loan and financing unit (USPPS) of the BMT Al-Karomah Martapura Sharia Cooperative in 2021, covering all aspects of the health assessment, namely: aspects of capital, productive asset quality, management, efficiency, liquidity, cooperative identity, independence and growth, as well as compliance with Sharia Principles. The analysis follows the guidelines issued by the Deputy for Supervision of the Ministry of Cooperatives and Small and Medium Enterprises No. 07/Per/Dep.6/IV/2016. The results showed that the health level of the savings and loan and sharia financing unit (USPPS) of the BMT Al-Karomah Martapura Sharia Cooperative in 2021 was in the Fairly Healthy predicate with a total score of 74,80. From the predicate obtained as a whole on the aspects of financial health, management and compliance with sharia principles, they are already in a fairly good health condition.
Co-Authors Agung Prasongko, Wahyu Aimie Sulaiman Alawiyah, Titi Nur Amrullah Amrullah Amrullah Amrullah Amrullah Apriliani, Febi Arjudin Arjudin Asfiyantin, Saral Tri Ayu Made Ratna Dewi, Ida Azhari, Baiq Elina Baidowi Baidowi Bustami Rahman Dedoe, Amir Dewanda, Kartika Jara Dewi Sukmawati Dewi, Ida Ayu Made Ratna Dina, Yana Roza Dwi Novitasari Evahelda, Evahelda Gunawan, Rendi Hadiawati, Titin Harry Soeprianto Herdiyanti, Herdiyanti Hidayanti, Gusma Isnawati Isnawati Junaidi Junaidi KETUT SARJANA, KETUT Kurniawan, Eka Lutfianti, Lulu Lu’luilmaknun, Ulfa Mamika Ujianita Romdhini, Mamika Melda Yanti Muhammad Helmi Muhammad Husni Muhammad Rifai Muhammad Turmuzi Muthia, Anisyah Isni Nada, Lisa Katun Nani Kurniati Nani Kurniati Nia Agustina Novyandra Ilham Bahtera Nurfahrani, Nurfahrani Nurul Hikmah Nurul Husna Nyoman Sridana Oktaviani, Wulan Onis, Oniansy Pratama Saputra, Putra Primajati, Gilang Rahayu Ningsih Ramadhani, Tiara Ramdhani, Yomi Ratna Dewi, Ida Ayu Made Rifa’I, Ahmad Rizqiani3, Hu’shila Awalia Rusdiana Rusdiana Rusdiyanti, Dina Saputra, Putra Pratama Setyawati, Dwi Utami Siregar, Syarituah Siska Wulandari, Siska Sri Subarinah, Sri Sripatmi Sripatmi Sripatmi, Sripatmi Sudi Prayitno Syahrul Azmi Syamsul Bahri Sya’ban, Muhammad Fuad Syubhan Annur, Syubhan Taufik Bahtera, Novyandri Tria Junendra, Winni Triutami, Tabita Wahyu Ulfa Lu’luilmaknun Ulyana, Dyah Nurul Umami, Novita Usman Hadi Uswatun Hasanah Utami, Hana Putri Wahyu Triutami, Tabita Wahyu, Wadri Wardha Tsabita, Dhyah Wulandari, Nourma Pramestie Yulia Yulia Yulis Tyaningsih, Ratna