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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Journal of Economic, Public, and Accounting (JEPA) Jurnal Ilmu Manajemen Profitability BJRM (Bongaya Journal of Research in Management) Banco: Jurnal Manajemen dan Perbankan Syariah Balanca : Jurnal Ekonomi dan Bisnis Islam Moneta: Jurnal Manajemen & Keuangan Syariah Al Rikaz : Jurnal Ekonomi Syariah Journal of Principles Management and Bussines FUNDS: Jurnal Ilmiah Akutansi, Keuangan, dan Bisnis Islamic Financial And Accounting Review Jurnal Ilmiah Manajemen & Kewirausahaan
Damirah
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Risk Management Analysis of the Baznas MSMEs Empowerment Program Sahriani; Syahriyah Semaun; Damirah; Muliati; Musmulyadi
Jurnal Ilmu Manajemen Profitability Vol. 10 No. 2 (2026): AGUSTUS 2026
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/bscpft33

Abstract

This research is motivated by the important role of Micro, Small, and Medium Enterprises (MSMEs) as the backbone of the national economy, but are often hampered by limited capital and weak risk management. BAZNAS Mamuju Tengah Regency is present through an integrated MSME empowerment program to address these issues. This study aims to analyze how the risk management strategy implemented by BAZNAS Mamuju Tengah Regency. The research method used is descriptive qualitative. Primary data was obtained through in-depth interviews with BAZNAS administrators and MSME beneficiaries, as well as direct observation of the mentoring process in the field. Data were analyzed using data reduction, data presentation, and conclusion drawing techniques to obtain an objective picture of the risk mitigation implemented. The results of the study show 1). The form of the MSME empowerment program of BAZNAS Mamuju Tengah Regency is carried out by integrating the Capital, Mental, and Managerial (3M) pillars as a holistic empowerment framework. 2). The risk management strategy is carried out through a structured cycle, starting from identifying potential moral hazard to routine monitoring. He revealed that the policy of distributing aid in the form of physical assets (non-cash) was highly effective in reducing the risk of aid misuse to as low as 1-2%. Furthermore, six months of intensive mentoring was proven to increase business resilience and discipline in financial reporting.
Co-Authors -, Nur Wahidah Abdul Hamid Adani S, Andi Putri Zahirah An Ras Try Astuti Aris, Muhammad Saleh Darmawati Darwis DEWI SARTIKA Fahmiah Akilah Fatur Ramadhan, Muhammad Annazhi Firman Gustia H, M Nasri hilda, Evi Andriana Hj. St Nurhayati Ismayanti Jumaisah Kasmawati, sabilawati M.M, Besse Faradiba Milniati, Misna Muliati Multazam Mansyur Addury Musmulyadi Musmulyadi, Musmulyadi Nirmala Sari Nur, Sri Wahyuni Nurfadhilah Nurhayati Ali Ramadhan, Fitrah Anugrah Rezki Fani Rini Purnamasari, Rini Riska Rismala Rizal Rizkyanti, Rizkyanti S, Mirna Sahara, Ira Sahriani Siti Nuraeni Sitti Jamilah Amin Soumena, Yasin St. Aminah St. Nurhayati Suarning Sulkarnain Sultan, Sudarmi Sumiati Syahriyah Semaun Wulandari, Yusma