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All Journal Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan
Akrom, Maulana
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Arts Computer Science & IT Economics, Econometrics & Finance Education Social Sciences

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IMPLEMENTATION OF 5C BASED FINANCING IN BMT ALFA DIRHAM MANDIRI Akrom, Maulana; Fatahillah, Mubarok; Husnaeni, Nurul; Adawiyah, Robiaatuul
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 1 No. 12 (2022): November
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v1i12.2265

Abstract

This research is to analyze the implementation of 5C-based financing (Character, Capacity, Capital, Collateral, Condition) at BMT Alfa Dirham Mandiri, aiming to obtain data regarding planning, implementation, and assessment of 5C principle-based financing at BMT Alfa Dirham Mandiri. The type of research used is qualitative. The data collection techniques used were interviews, observation, and documentation. The data source for this research is primary, namely collected through direct interviews. This research shows that BMT Alfa Dirham Mandiri, as a sharia microfinance institution, applies financing based on murabahah, mudharabah, kafalah bil ujrah, wadiah and musyarakah contracts. Financing is carried out according to strict SOPs, from application to disbursement of funds. The 5C principle (Character, Capacity, Capital, Collateral, Condition of Economy) is applied to assess the feasibility of financing, with collateral only for financing above 3 million. Implementation of the 5C principles reduces the risk of financing problems. The research results show that: 1). Financing planning includes applying for financing, assessing financing. 2). implementation of financing through various contracts such as murabahah, mudhorobah, musyarakah. Kafalah bil ujrah, and wadiah. 3) The 5C principles in BMT Alfa Dirham Mandiri are as a financing assessment tool, the 5C principles include character, capacity, capital, collateral, and economic conditions.
STUDY OF SOCIAL FUNCTIONS IN THE ECONOMIC ACTIONS OF SHARIA MICROFINANCE INSTITUTIONS Barnamij, Najhah; Fa’iq, Mohamad; Riyadi, Ahmad; Ulfain, Ulfain; Akrom, Maulana; Dwi Wulandari, Faizah
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 2 No. 12 (2023): November
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v2i12.2288

Abstract

Abstract Provide the perception toward the social function of the economic action undertaken. 2) determine the form of the social functions performed by the actors in sharia microfinance institutions. This study used a qualitative method with phenomenological approach. The findings of this study are: 1) the perception of the social function by the actors of sharia microfinance institutions respectively: a) perception of social function is as management of zakat, infaq, and alms known in the concept of Baitul Maal. b) the social function as a medium of empowerment of poor communities where the sharia microfinance institutions are capable in producing new entrepreneurs. c) the social function as propaganda/symbols of Islam, Islamic microfinance institutions serve to eradicate the practice of existing usurer in the community. 2) The form of social functions held by sharia microfinance institutions are: a) The distribution of social grants, the distribution of development aid in the form of mosques, procurement assistance of Al-Quran, home renovation, distribution of Zakat funds as well as scholarships to students who cannot afford school. b) Help the poor public capital, capital assistance is intended for the poor, capital assistance is also easy for small traders in accessing financing. c) Optimalization the role of sharia microfinance institutions by opening branches in remote areas which aim to facilitate the public in accessing Sharia financial institutions and also propaganda symbols of Islam in religious activities.
Co-Authors Adawiyah, Robiaatuul Ahmad Riyadi Barnamij, Najhah Dwi Wulandari, Faizah Fa’iq, Mohamad Husnaeni, Nurul Mubarok Fatahillah Ulfain, Ulfain