Claim Missing Document
Check
Articles

Implementasi Manajemen Risiko Pembiayaan Syariah dalam Upaya Menjaga Likuiditas Koperasi Syariah di BMT Maslahah Cabang Sukorejo Kabupaten Pasuruan Ulfatul Islamiyah; Abdillah Mundir; Alimatul Farida
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 4 (2025): 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.v7i4.7433

Abstract

This study discusses the implementation of Islamic financing risk management in maintaining the liquidity of Islamic cooperatives at BMT Maslahah Sukorejo Branch Pasuruan Regency. Risk management is a crucial aspect of the operational activities of Islamic cooperatives to ensure business continuity and minimize problematic financing risks that could disrupt liquidity stability. This study employs a qualitative descriptive method, with data collected through interviews, observations, and documentation. Data analysis is conducted using data reduction, data presentation, and conclusion drawing. The findings indicate that BMT Maslahah implement risk management through identification, measurement, monitoring, and risk control stages. The main strategies involve appliying the 5C principles (Character, Capacity, Capital, Condition, and Collateral) in financing analysis, strict supervision by Account Officer (AO) and Recovery Officer (RO), as well as restructuring policies for customers facing payment diffficulties. The effectiveness of risk management implementation at BMT Maslahah Sukorejo Branch is reflected in the controlled Non-Performing Financing (NPF) rate, maintained liquidity stability, and increased efficiency in financing management. However, challenges remain, such as limited resources for customer assistance, external economic conditions, and the need for innovation in risk mitigation strategies. Therefore, strengthening policies and adopting a more adaptive approach are necessary for the cooperative to continue sustainable growth in accordance with Islamic principles.
Peran Literasi Keuangan Islam terhadap Perilaku Keuangan Siswa Evi Nailur Rokhmah; Abdillah Mundir; Sukamto Sukamto; Fateemah Aleemama
Jesya Vol 9 No 2 (2026): ARTICLES : RESEARCH JUNI 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v9i2.2705

Abstract

Penelitian ini dilatarbelakangi oleh pentingnya literasi keuangan Islam dalam membentuk perilaku keuangan siswa pada lingkungan pendidikan berbasis Islam, di tengah masih adanya kecenderungan perilaku konsumtif meskipun siswa telah memiliki pemahaman dasar mengenai pengelolaan keuangan. Penelitian ini bertujuan untuk menganalisis peran literasi keuangan Islam dalam membentuk perilaku keuangan siswa di Muslimeen Suksa School Hat Yai, Thailand, serta mengidentifikasi kesenjangan antara pemahaman dan praktik keuangan siswa. Penelitian menggunakan pendekatan kualitatif dengan desain studi kasus melalui teknik wawancara mendalam, observasi, dokumentasi, dan kuesioner pendukung. Hasil penelitian menunjukkan bahwa literasi keuangan Islam berperan dalam membentuk perilaku keuangan siswa, terutama dalam kemampuan membedakan kebutuhan dan keinginan, membiasakan menabung, serta menghindari perilaku konsumtif. Nilai-nilai Islam seperti amanah, kesederhanaan, dan tanggung jawab juga terinternalisasi dalam praktik keuangan sehari-hari. Namun, temuan utama penelitian ini menunjukkan adanya cognitive-behavioral gap, yaitu kesenjangan antara pemahaman normatif siswa terhadap prinsip keuangan Islam dengan praktik nyata pengelolaan keuangan sehari-hari. Sebagian siswa telah memahami pentingnya menabung, pengendalian konsumsi, dan larangan israf, tetapi belum mampu menerapkannya secara konsisten akibat pengaruh lingkungan sosial, gaya hidup, dan lemahnya kontrol diri. Penelitian ini menegaskan bahwa efektivitas literasi keuangan Islam tidak hanya ditentukan oleh aspek pengetahuan, tetapi juga oleh keberhasilan internalisasi nilai syariah menjadi kebiasaan finansial yang berkelanjutan. Temuan ini memberikan kontribusi ilmiah melalui penegasan konsep cognitive-behavioral gap sebagai faktor utama dalam menjelaskan ketidaksesuaian antara pemahaman dan perilaku keuangan siswa.
Efektivitas Distribusi Bantuan Pangan Nontunai (BPNT) kepada Keluarga Penerima Manfaat: Analisis Berdasarkan Indikator 6T dan Perspektif Ekonomi Islam Sofiyah Nurus Sobah; Abdillah Mundir; Sukamto
Kartika: Jurnal Studi Keislaman Vol. 6 No. 3 (2026): Kartika: Jurnal Studi Keislaman (August)
Publisher : Lembaga Pendidikan Tinggi Nahdlatul Ulama (LPT NU) PCNU Kabupaten Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59240/kjsk.v6i3.935

Abstract

Food intervention policies in Indonesia have evolved from a goods assistance scheme (Raskin/Rastra) to a cashless, digital-based aid (BPNT/Sembako). However, the effectiveness of this program in reducing the persistently high poverty rate of 9. 03% (BPS, 2024) in Kalirejo village remains questionable. This study aims to assess the effectiveness of BPNT distribution for Beneficiary Families (KPM) by utilizing the 6T indicators (Targeting, Quantity, Price, Timing, Administration, and Quality), alongside the perspective of distributive justice in Islamic Economics and Malthusian Theory concerning the disparities in local food availability.  This research employs a descriptive qualitative approach through in-depth interviews and participatory observation of the implementation of the Prosperous Family Card (KKS) and the role of E-Warong. The findings indicate that the  digitization of aid does enhance the flexibility and autonomy of KPM, but its effectiveness is hindered by digital infrastructure disparities, literacy barriers, and targeting errors (including both inclusion and exclusion errors). The study reveals that the current policy appears to prioritize distribution mechanisms (output) over economic empowerment (outcome). Theologically, the inaccuracies in data violate the principles of trust and distributive justice ('adl). The research concludes that digital transformation must be accompanied by strengthening local distribution chains and aligning social aid policies with sustainable economic empowerment programs to ensure the long-term welfare of the community
Pengaruh Sertifikasi Halal dan Inovasi Produk terhadap Kinerja Pemasaran UMKM Makanan dan Minuman di Kecamatan Dlanggu Kabupaten Mojokerto Muhammad Haris Muhasibi; Abdillah Mundir; Ifdlolul Maghfur
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 4 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i4.20172

Abstract

The dynamics of the food and beverage industry require Micro, Small, and Medium Enterprises (MSMEs) to balance compliance with religious regulations and business innovation strategies. This study aims to investigate the impact of Halal Certification and Product Innovation on Marketing Performance among MSME actors in the food and beverage sector in the Dlanggu District area. Utilizing a quantitative approach and survey methods, primary data were gathered from 99 business respondents determined through a purposive sampling technique. Hypothesis testing was carried out using multiple linear regression analysis in SPSS. The research findings partially support the view that the ownership of Halal Certification provides a significant positive contribution to boosting local marketing performance. On the other hand, the aspect of Product Innovation does not show a significant effect on marketing achievements. Even so, when tested simultaneously, the interaction between Halal Certification and Product Innovation variables proved to have a very significant influence, contributing 72.7% to variations in marketing performance. This research emphasizes that, for the characteristics of suburban consumers, the presence of innovation in new products will receive a positive response and be absorbed by the market only if it is supported by a valid guarantee of halal legality.