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Silfana, Nadia
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Strategi Implementasi Manajemen Risiko Pembiayaan Pada KSPPS KSA “Kedung Salman Alfarizy” Jepara Silfana, Nadia; Hazmi, Faiqul
Jurnal Iqtisaduna Vol 10 No 2 (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v10i2.47896

Abstract

This research aims to explain the financing risk management strategy implemented by KSPPS KSA "Kedung Salman Alfarizy" Jepara. Sharia financing is increasingly in demand by various levels of society. This is in line with Sharia Microfinance Institutions (LKMS) which aim to provide financial services by Sharia principles to the public. Sharia Financing Savings and Loans Cooperative (KSPPS) is one of the institutions that offer financing on a micro-scale, providing financial support to individuals and businesses without violating Sharia principles. This research uses a qualitative approach from primary and secondary data with qualitative descriptive analysis techniques. This research concludes that preventive financing analysis steps are implemented based on the 5C principles: Character, Capacity, Capital, Collateral, and Economic Conditions. Apart from that, KSPPS KSA "Kedung Salman Alfarizy" Jepara implemented curative strategies such as monitoring, rescheduling, reconditioning, and restructuring to overcome problematic financing. To reduce the negative impact of problematic financing, it is important to empower the institution internally and provide education to members of KSPPS KSA "Kedung Salman Alfarizy" Jepara in maintaining a healthy organizational and financial balance.
Analisis SWOT sebagai Strategi Pengembangan Badan Keswadayaan Masyarakat (BKM) di Kecamatan Pecangaan Kabupaten Jepara Hazmi, Faiqul; Utami, Cahyaning B.; Choeri, Imron; Silfana, Nadia; Mustofa, Ah Bisri
Jurnal Pengabdian Multidisiplin Vol. 3 No. 2 (2023): Jurnal Pengabdian Multidisiplin
Publisher : Kuras Institute & Scidac Plus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51214/japamul.v3i2.640

Abstract

BKM (Badan Keswadayaan Masyarakat) merupakan hibah dari pemerintah dalam program Kotaku (Kota tanpa Kumuh) pada tahun 2014, namun pergantian birokrasi membuat keberlanjutan BKM menjadi tidak jelas. Di Kecamatan Pecangaan hanya 2 BKM yang aktif sementara 12 lainnya non aktif. Kegiatan pengabdian ini bertujuan untuk memberikan pendampingan kepada pengurus BKM di Kecamatan Pecangaan dan menganalisis SWOT BKM Kecamatan Pecangaan. Dari hasil analisis SWOT diperoleh bahwa BKM berada di kuadran III yang mengindikasikan bahwa BKM memiliki peluang tumbuh namun tidak dapat dimaksimalkan karena kelemahan internal yang dimiliki, sehingga diperlukan strategi untuk mengatasi kelemahan tersebut. Beberapa langkah yang dapat ditempuh diantaranya: (1) mengalokasikan laba untuk memberikan bagi hasil kepada para pengurus dengan jumlah yang sesuai; (2) menjalin kerjasama dengan berbagai stakeholder; (3) memperkuat modal sosial yang dimiliki pengurus dan anggota; (4) memanfaatkan bantuan LBH untuk memberikan somasi pada anggota dengan kredit macet.
Penerapan Manajemen Risiko untuk Meminimalkan Perguliran Bermasalah di UPK-BKM Wilayah Kecamatan Pecangaan Hazmi, Faiqul; Utami, Cahyaning Budi Utami; Choeri, Imron; Silfana, Nadia; Mustofa, Bisri
Jurnal Pengabdian Pada Masyarakat Vol 9 No 1 (2024): Jurnal Pengabdian Pada Masyarakat
Publisher : Universitas Mathla'ul Anwar Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30653/jppm.v9i1.686

Abstract

UPK-BKM di wilayah kecamatan Pecangaan mengalami permasalahan Non-Performing Loan (NPL) yang sangat tinggi. Hal tersebut disebabkan karena permasalahan (1) Penyaluran pinjaman dilakukan secara peer-to-peer lending oleh ketua koordinator dengan ketua Kelompok Swadaya Mandiri (KSM) sehingga tidak transparan (2) Penanganan pinjaman dilakukan sentralistik tanpa melibatkan peran masing-masing pengurus (3) Lemahnya sistem kolektibilitas kredit. (4) Tidak mempunyai tata kelola risiko yang baik. Metode pelaksanaan pengabdian dilaksanakan dengan Inhouse Training, pendampingan pembuatan Standar Operation and Procedure (SOP) dan Risk Mapping untuk merubah pola kerja perguliran dana yang terkonstruk sejak lama dengan pola perguliran dana yang baru dengan transparansi melalui center-meeting pada saat pencairan dana serta memasukan unsur Mubadalah atau saling melengkapi atau menggantikan antara suami atau istri ataupun penjamin pada penyaluranya atau penerimaan dana. Kegiatan pendampingan lapangan penanganan perguliran dana yang terlanjur macet (NPL existing) melalui pola rescheduling, reconditioning, restructuring, refinancing. Kegiatan tersebut dilaksanakan selama delapan bulan dengan hasil berupa penambahan perguliran macet baru sebesar 0%. UPK-BKM in the Pecangaan sub-district area is encounter tremendous non-performing Non-Performing Loan (NPL) volumes. This is due to problems (1) Loan distribution is carried out peer-to-peer lending by the head of the coordinator with the head of the Independent Self-Help Group (KSM) that is making lending distribution not transparent (2) Loan handling is carried out centrally without involving the role of each administrator (3) Weak credit collectibility system. (4) Needing good Risk Management. The method of implementing the service is carried out with In-house Training, assistance in creating Standard Operations and Procedures (SOP), and Risk Mapping to change the workflow of fund lending which has been constructed for a long time with a new fund lending flow with transparency through center-meeting at the time of disbursement of funds and including elements of Mubadala is it complement or replace each other between husband or wife or guarantor in the distribution or receipt of funds. Field assistance activities for handling the circulation of funds that are already stuck (existing NPL) through rescheduling, reconditioning, restructuring, and refinancing models. This activity was carried out for eight months with results in the form of an increase in new Non-Performing Financing (NPL) weighted 0%.
Co-Authors Bisri Mustofa Hazmi, Faiqul Imron Choeri Mustofa, Ah Bisri Utami, Cahyaning B. Utami, Cahyaning Budi Utami