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STRATEGI PENANGANAN NON PEFORMING FINANCING (NPF) PADA BANK PEMBIAYAAN RAKYAT SYARIAH M. Wanri Wahyudin
AD DIWAN Vol. 2 No. 1 (2022): AD DIWAN
Publisher : Program Studi Ekonomi Syariah

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Abstract

Pembiayaan bermasalah atau non performing financing (NPF) masih menjadi masalah yang harus dihadapi dengan serius oleh setiap perbankan karena dengan menekan tingkat NPF makan bank tersebut dapat dikatakan sehat, Bank Pembiayaan Rakyat Syariah atau BPRS merupakan sektor perbankan mikro yang masih menghadapi tingkat NPF yang masih diatas ketentuan Otoritas jasa Keungan (OJK) yaitu 5%. Penelitian ini bertujuan untuk menganalisa penyebab terjadinya pembiayaan bermasalah serta merumuskan strategi penanganannya. Teknik pengambilan data pada penelitian ini adalah dengan cara wawancara dengan pihak pengelola BPRS dan studi literature. Hasil penelitian ini menunjukan bahwa beberapa kasus terjadinya pembiayaan bermasalah diakibatkan oleh keadaan ekonomi terkini dan proses seleksi nasabah yang kurang relevan. Strategi yang dapat diterapkan oleh BPRS adalah dengan menganalisis data dan riwayat nasabah serta langkah untuk menekan tingkat NPF yaitu dengan langkah preventif dan kuratif
Inklusi Keuangan dan Literasi Keuangan Syariah di Era Digital: Analisis Dampaknya terhadap Pertumbuhan Ekonomi M. Wanri Wahyudin; Mastur Mastur; Vivi Ulfatul Aziz; Sutia Arini; Rima Devi Yani
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 8 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i8.12937

Abstract

The development of digital technology has driven transformation in the financial system, including within the Islamic finance sector. In this context, Islamic financial literacy and financial inclusion are important factors that can enhance public participation in the formal financial system and support economic growth. However, the levels of Islamic financial literacy and financial inclusion among the public remain relatively low, which may hinder the optimal contribution of Islamic finance to the economy. This study aims to analyze the impact of Islamic financial literacy and financial inclusion on economic growth in the digital era. The research employs a quantitative approach using multiple linear regression analysis with the assistance of SPSS software. The data were collected through questionnaires distributed to respondents who met the research criteria. The results show that Islamic financial literacy has a positive and significant effect on economic growth, indicating that increased public understanding of Islamic financial concepts and products can encourage more productive economic activities. Furthermore, financial inclusion also has a positive and significant effect on economic growth, suggesting that broader access to formal financial services contributes to increased economic activity. The findings of this study indicate that improving Islamic financial literacy and expanding access to financial services, particularly through digital financial technology, can serve as an important strategy in promoting more inclusive and sustainable economic growth.
Membangun Kepercayaan Pengguna Melalui Transparansi Akad Syariah Sebagai Strategi Peningkatan Penggunaan Fintech Syariah Moh. Asep Zakariya Ansori; M. Wanri Wahyudin; Hanan Alawiah; Syahra Putri Syuardiansyah; Suhendri Suhendri
As-Syirkah: Islamic Economic & Financial Journal Vol. 5 No. 1 (2026): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/

Abstract

The development of Islamic fintech in Indonesia faces user trust challenges despite offering financial services based on sharia principles. This research aims to analyze the influence of sharia contract transparency on user trust and its implications for increasing Islamic fintech usage. The research method employs a literature study with a qualitative approach, analyzing trusted journal articles using keywords "Islamic fintech", "sharia transparency", "user trust", and "sharia-based digital financial innovation". The research findings indicate that sharia contract transparency plays a crucial role in building user trust by providing clear information regarding contract types, transaction mechanisms, rights and obligations, as well as sharia legal foundations. Transparency is capable of reducing risk perception and uncertainty, while simultaneously increasing public sharia financial literacy. Trust functions as a mediating variable that bridges sharia principle transparency with the increase in Islamic fintech usage. This research affirms that contract transparency is not merely a normative obligation, but also an effective business strategy for building long-term relationships with users and strengthening the competitiveness of the Islamic finance industry. Practically, the research findings can serve as a reference for Islamic fintech providers in designing more transparent and accountable operational communication, as well as providing input for regulators in strengthening Islamic fintech governance in Indonesia.
Pendampingan Pelaku UMKM di Desa Cinangneng: Upaya Peningkatan Daya Saing dan Legalitas Produk Lokal M. Wanri Wahyudin; Abdul Husenudin; Hamdan Yuhafi; Rahmat Setiabudi
El-Mujtama: Jurnal Pengabdian Masyarakat  Vol. 6 No. 5 (2026): El-Mujtama: Jurnal Pengabdian Masyarakat 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmujtama.v6i5.11482

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a vital role as the backbone of the rural economy. However, most MSME operators in Cinangneng Village, Tenjolaya District, Bogor Regency, still face fundamental challenges regarding limited understanding of halal certification, business legality documentation, and low adoption of digital payment systems and modern financial management. This Community Service Program (PkM) aims to enhance the capacity, product legality, and digital competitiveness of Cinangneng MSMEs through a participatory approach and intensive, sustainable mentoring. The program was conducted on Thursday, August 13, 2026, at the Cinangneng Village Hall through a strategic collaboration between students of Prabu Siliwangi Islamic University (UNIPRAS), Ummul Quro Al-Islami Institute (IUQI)/Bogor Islamic University (UIB), Halal Center Mathla'ul Anwar (HCMA), and Bank BTN. The implementation methodology adopted a Participatory Action Research (PAR) framework integrated into five stages: needs identification, program planning, education and mentoring implementation, monitoring and controlling, and impact evaluation. The initiative involved 31 total participants, targeting 8 food-processing MSME units lacking halal certification, alongside bank account opening and QRIS facilitation for 20 participants. The results demonstrated significant improvements in understanding product halal urgency, business identification number (NIB) and halal registration preparation, QRIS-based cashless payment adoption, and digital financial literacy access. This multi-institutional synergy successfully transformed the governance of Cinangneng MSMEs into administratively organized, halal-assured, and digitally adaptive business entities.
JOB PLACEMENT AND TRAINING QUALITY ON EMPLOYEE PERFORMANCE: ORGANIZATIONAL COMMITMENT IN ISLAMIC BOARDING SCHOOLS Mastur; Wawan Prahiawan; Roni Kambara; Fajar Suryono; M. Wanri Wahyudin
TADBIRUNA: Jurnal Manajemen Pendidikan Islam Vol 6 No 1 (2026): TADBIRUNA
Publisher : Program Studi Manajemen Pendidikan Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51192/jurnalmanajemenpendidikanislam.v6i1.2994

Abstract

This study aims to examine the influence of employee placement and training quality on employee performance in Islamic boarding schools (pesantren), with employee commitment as a mediating variable. The main issue addressed is the low effectiveness of placement and training in enhancing employee performance and graduate quality. The study employed a quantitative approach with a causality design. The population consisted of 83 pesantren employees, all included using a saturated sampling technique. Data were collected through questionnaires, interviews, documentation, and direct observation. Data analysis was conducted using Partial Least Squares (PLS), including outer model testing for validity and reliability and inner model assessment to evaluate relationships among variables and mediation effects. The results indicate that employee placement has a positive but not significant effect on performance, while training quality has a positive and significant impact. Both placement and training significantly influence employee commitment, which in turn mediates the relationships between placement and training and employee performance. The mediation is partial for placement and full for training quality, highlighting the crucial role of commitment in enhancing HR intervention effectiveness. Employee performance can be optimally improved through effective placement and high-quality training if supported by strong employee commitment. Pesantren should adjust placement and training strategies to strengthen loyalty, motivation, and dedication, thereby sustainably improving graduate quality