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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Jurnal Ekonomi, Bisnis dan Manajemen
Moh. Helmi Hidayat
Institut Dirosat Islamiyah Al-Amien Prenduan
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Analisis Kredit Macet Pada Produk Pembiayaan Murabahah di PT. BPRS Sarana Prima Mandiri Pamekasan Nurul Hidayati; Faiqotul Jannah; Moh. Helmi Hidayat
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 4, No 1 (2023): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v4i1.1150

Abstract

One of the determinants of success in a banking company is good and optimal management of financial resources and precisely choosing partners for cooperation with existing capital turnover. This study aims to find out how the process of settlement of bad loans in murabahah financing at PT.BPRS SPM Pamekasan. The method used is descriptive qualitative method. The resulting data is in the form of qualitative data, which was developed using a descriptive method. Descriptive method is a type of research that provides an overview or description of a situation as clearly as possible without any treatment of the object under study. Documentation in this journal research uses literature books and financial reports of PT. BPRS SPM in 2015- 2021, where in the data we carry out data observations, analyzes and draw conclusions. The research results show that the number of murabaha financing customers from 2015-2021 has increased. Whereas murabahah financing customers who are smooth and non-performing in 2015-2021 have more bad loans (bad credit), because one of them is caused by the large number of businesses that have gone bankrupt and the income that is not smooth in running their business. So it is advisable for bank management to always analyze the development of a customer's business to ensure partner customers do not commit bad loans to the bank.
The The Effect of Financial Literacy on Investment Decision with Motivation as an Intervening Variable Moh. Helmi Hidayat; Nur Hidayah Selviyanti
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 4 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i4.21002

Abstract

Objective: This study aims to determine the effect of financial literacy on student investment decisions with motivation as the psychological content of students in deciding to invest as an implementation of the campus curriculum, especially in the Faculty of Islamic Economics and Business. Research Design & Methods: a quantitative study with a population of students at the Islamic Faculty of Economics and Business in Madura. Data was collected via google form and offline dissemination by obtaining 168 respondents. Processing primary data using statistical analysis techniques Package for Social Science (SPSS) with multiple regression analysis methods, path analysis and sobel test. Findings: that financial literacy has a positive and significant effect on motivation. Furthermore, financial literacy and motivation indirectly have a positive and significant effect on investment decisions. In addition, the results of this study indicate that motivation is able to mediate financial literacy on investment decisions of Islamic Economics and Business Faculty students in Madura with a significant influence. Implications & Recommendations: : this research is expected to be used as one of the considerations for students in managing finances, by means of which students can have good financial literacy, interest in investment and be motivated to invest. Contribution & Value Added: this research is the first attempt to examine the effect of financial literacy on investment decisions with motivation as a psychological content. The results of this study indicate that motivation is able to mediate financial literacy on the investment decisions of Islamic Economics and Business Faculty students in Madura with a significant influence.
Analisis Kredit Macet Pada Produk Pembiayaan Murabahah di PT. BPRS Sarana Prima Mandiri Pamekasan Nurul Hidayati; Faiqotul Jannah; Moh. Helmi Hidayat
Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Vol 4, No 1 (2023): Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen
Publisher : Institut Dirosat Islamiyah Al-Amien Prenduan Sumenep

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/masyrif.v4i1.1150

Abstract

One of the determinants of success in a banking company is good and optimal management of financial resources and precisely choosing partners for cooperation with existing capital turnover. This study aims to find out how the process of settlement of bad loans in murabahah financing at PT.BPRS SPM Pamekasan. The method used is descriptive qualitative method. The resulting data is in the form of qualitative data, which was developed using a descriptive method. Descriptive method is a type of research that provides an overview or description of a situation as clearly as possible without any treatment of the object under study. Documentation in this journal research uses literature books and financial reports of PT. BPRS SPM in 2015- 2021, where in the data we carry out data observations, analyzes and draw conclusions. The research results show that the number of murabaha financing customers from 2015-2021 has increased. Whereas murabahah financing customers who are smooth and non-performing in 2015-2021 have more bad loans (bad credit), because one of them is caused by the large number of businesses that have gone bankrupt and the income that is not smooth in running their business. So it is advisable for bank management to always analyze the development of a customer's business to ensure partner customers do not commit bad loans to the bank.
Co-Authors Faiqotul Jannah Nur Hidayah Selviyanti Nurul Hidayati