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All Journal Al-Muzdahir: Jurnal Ekonomi Syariah
Muhammad Awaludin Islam
Institut Pesantren Sunan Drajat Lamongan
Economics, Econometrics & Finance

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Preferensi Santri Putra pada BMT Sunan Drajat Paciran Di Pondok Pesantren Sunan Drajat Lamongan Fatkhur Rouf; Muhammad Awaludin Islam; Musbikhin Musbikhin
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 3 No. 2 (2021): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (487.537 KB) | DOI: 10.55352/ekis.v3i2.306

Abstract

BMT Sunan Drajat is a sharia financial institution within the pesantren environment. Therefore, the preference of students for participating in saving at BMT Sunan Drajat needs to be taken into account. This study aims to find out how the preferences of students at BMT Sunan Drajat. While the research methodology uses a quantitative approach methodology with testing starting with theories or hypotheses using the chi square approach. The results of this study show that the calculated Chi Square value is 14.474. Because the Chi Square value is > 13.362, based on the basis for making the decision above, it can be concluded that H0 is rejected and Ha is accepted. Thus it can be interpreted in terms of facilities that male students have a good preference for BMT Sunan Drajat
Penerapan Manajemen Resiko pada Produk Pembiayaan di Lembaga Keuangan Mikro Syariah di KSPPS MUI Sekapuk Ujungpangkah Gresik Muhammad Awaludin Islam; Sutopo Sutopo
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 4 No. 1 (2022): Januari :  Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (521.853 KB) | DOI: 10.55352/ekis.v4i1.313

Abstract

BMT KSPPS MUI is a sharia microfinance institution that manages these funds using financing products. financing products that are carried out are not free from risks, especially during the current pandemic. To prevent this risk from occurring, risk management is applied to financing products at the KSPPS MUI Sekapuk Branch. This research aims to: 1). know how to apply risk management to financing products and 2). find out what are the obstacles in implementing risk management in financing products. Because carrying out the implementation of risk management can prevent bad financing. The method used in collecting data in this study uses interviews, operations and documentation. While the research methodology uses a qualitative approach methodology. While the object is the BMT KSPPS MUI Sekapuk Branch. The results of this study show that 1). implementation of risk management using Surfe which is carried out according to the 5C standard, Billing rules that are applied to the maximum, NPF handling that uses rescheduling, returns and reconditioning, Use of reserve funds as an amticipation of losses from macat financing. 2). The ability to pay members has decreased, Members have moved domiciles, The macro economy has declined, The habit of members who often borrow in multiple places, Transferring or changing positions in internal financial institutions, Managers' ability to collect is not good.
Co-Authors Fatkhur Rouf Musbikhin Musbikhin Sutopo Sutopo