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All Journal JAKBS Gudang Jurnal Multidisiplin Ilmu
Adinda Iklilatul Aura Salsabila
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Aktivitas Pembiayaan Multi Jasa Barokah (MJB) di BMT UGT Nusantara Capem Jember Kota Al Karimatus Sa'idah; Adinda Iklilatul Aura Salsabila; Fitri Musyarrofatin Nailiyah
Jurnal Akuntansi Keuangan dan Bisnis Vol. 1 No. 4 (2024): Januari - Maret
Publisher : CV. ITTC INDONESIA

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Abstract

This research discusses the financing activity of Multi Jasa Barokah (MJB) at BMT UGT Nusantara Capem Jember Kota, which is one of the sharia financing products that uses the ijarah contract. This researchoaims to understand the mechanism of MJB financing, analyze the factors that influence the demand and supply of MJB financing, evaluate the performance and risk of MJB financing, and provide recommendationsoto improve the effectivenessoand efficiency of MJB financing. This research uses a qualitative methodowith data collection techniques through observation, interviews, and documentation. The results of the study showothat MJB financing has several advantages, such as transactions in accordance with sharia, fast and easy process, competitive ujrah, flexible tenure and installment system, and no fines or penalties for late payment. However, MJB financing also faces some challenges, such as the availability of funds, management policies, operational performance, economic, social, and competitive conditions, as well as credit, liquidity, and operational risks. Therefore, the author gives some suggestions, such as increasing fund raising, quality of feasibility analysis, service and promotion, as well as internal control and compliance.
Restrukturisasi Perbankan Dan Sistem Serta Kebijakan Perbankan Di Indonesia Adinda Iklilatul Aura Salsabila; Ansori Makruf; As’adur Rofiq Alfaritsi; 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.v2i6.622

Abstract

Penelitian ini bertujuan untuk menganalisis restrukturisasi perbankan, serta sistem dan kebijakan perbankan di Indonesia, dan dampaknya terhadap stabilitas dan pertumbuhan ekonomi. Restrukturisasi perbankan merupakan proses penting untuk meningkatkan efisiensi operasional, kualitas aset, dan permodalan bank. Di Indonesia, sistem perbankan terdiri dari berbagai jenis bank yang diatur oleh Otoritas Jasa Keuangan (OJK) dan Bank Indonesia (BI). Kebijakan perbankan mencakup kebijakan moneter dan regulasi perbankan yang dirancang untuk menjaga stabilitas keuangan dan mendorong inklusi keuangan. Hasilnya menunjukkan bahwa restrukturisasi perbankan yang efektif, didukung oleh kebijakan yang tepat, dapat meningkatkan stabilitas sistem keuangan dan memacu pertumbuhan ekonomi. Penelitian ini menggunakan studi pustaka yaitu metode dengan pengumpulan data dengan cara memahami dan mempelajari teori-teori dari berbagai literatur yang berhubungan dengan judul.
Co-Authors Al Karimatus Sa'idah Ansori Makruf As’adur Rofiq Alfaritsi Fitri Musyarrofatin Nailiyah Rini Puji Astuti