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All Journal Gudang Jurnal Multidisiplin Ilmu Jurnal Imiah Pengabdian Pada Masyarakat (JIPM)
Sofiatul Munawaroh
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Manajemen Risiko Kredit Dalam Meminimalisir Risiko Ketidakmampuan Pembayaran Debitur Di PT. BPR Wutama Artha Jaya Jember Intan Mustikawati Putri; Silvi Salavi Sauqina; Sofiatul Munawaroh; Ayyu Ainun Mustafidah
Jurnal Imiah Pengabdian Pada Masyarakat (JIPM) Vol 1 No 3 (2024): Januari - Maret
Publisher : CV. ITTC INDONESIA

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Abstract

Credit Risk Management Approach in Minimizing the Risk of Debtor Inability to Pay at PT. BPR Wutama Artha Jaya Jember is still less relevant due to bad credit caused by several influencing factors and a lack of accountability on the part of the debtor, thus affecting the financial reporting entity, the profits generated and the impact on the bank's health. The purpose of this research is to determine the procedures for granting PT credit. BPR Wutama Artha Jaya Jember and its relationship to the problems that occur. The methods used are the Literature Study Method and the Qualitative Method. The results of this research are that to overcome bad credit at PT. BPR Wutama Artha Jaya is giving fines and for debtors who experience delays in payments as punishment for debtors so that debtors will be more disciplined in subsequent payments. The procedures for handling bad credit at BPR Wutama can be said to be poor due to the presence of irresponsible debtors, as evidenced by the periodic increase in NPL from quarterly reports, however, with the principle of prudence in following up on bad credit, efforts are still being made to handle bad credit. . And it is best for bank officers to carry out credit analysis in accordance with the established SOPs and in accordance with the actual situation, as well as emphasizing the performance of debtor development in order to minimize the risks that occur due to problem loans.
Sejarah Dan Kebijakan Bank Syariah Di Indonesia Sofiatul Munawaroh; Zulvi Lailatul Hidayah; Izha Afkarina; Rini Puji Astuti
Gudang Jurnal Multidisiplin Ilmu Vol. 2 No. 6 (2024): GJMI - JUNI
Publisher : PT. Gudang Pustaka Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59435/gjmi.v2i6.507

Abstract

Bank Syariah di Indonesia pertama kali didirikan tahun 1992 yang bernama Bank Muamalat. Meskipun perkembangan perbankan syariah di Indonesia lebih lambat dari pada Negara lain namun Perbankan Syariah akan semakin berkembang. Pada tahun 1992-1998 di Indonesia hanya memiliki satu bank syariah yaitu Bank Muamalat yang terus eksis sampai sekarang. Kebijakan Pengembangan Perbankan Syariah yang dilaksanakan berdasarkan Strategi Pengembangan Perbankan Syariah adalah untuk mencapai Kepatuhan dengan prinsip-prinsip syariah yang dilakukan dengan menerbitkan panduan; Menerapkan aturan praktis untuk mendorong tata kelola perusahaan yang baik; Produktivitas dan daya saing untuk melakukan perubahan kegiatan usaha bank konvensioanal menjadi bank umum berbasis syariah dan membuka cabang; Dalam rangka melindungi sistem dan menciptakan manfaat ekonomi guna meningkatkan kontribusi sektor perbankan syariah; Pengembangan sumber daya insani (SDI); Rencana aksi untuk meningkatkan kinerja sosial bank syariah yang dilakukan melalui peran perbankan syariah dalam memfasilitasi hubungan Valuntary Sector (dana sosial) dan perkembangan ekonomi masyarakat.
Co-Authors Ayyu Ainun Mustafidah Intan Mustikawati Putri Izha Afkarina Rini Puji Astuti Silvi Salavi Sauqina Zulvi Lailatul Hidayah