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All Journal Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah IJED: International Journal of Economy Development Research
WAHIDAH, SOFIATUL
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Economics, Econometrics & Finance

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IMPLEMENTATION OF RISK MANAGEMENT OF THE MUDARABAH CONTRACT AT BMT UGT NUSANTARA BONDOWOSO KOTA BRANCH wahidah, Sofiatul
IJED: International Journal of Economy Development Research Vol 3, No 1 (2024)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/ijed.v3i1.9420

Abstract

This study aims to explain the implementation of risk management in the mudarabah contract at BMT UGT Nusantara Bondowoso Kota Branch, especially in financing the agricultural sector. Qualitative methods are used to collect data through interviews, observations, and documentation studies. The results of the study show that the financing risks at BMT include payment congestion due to crop failures and customer dishonesty in reporting business results. The risk management implemented involves risk identification using the 5C principle (Character, Capacity, Capital, Collateral, Condition), risk measurement based on collectibility categories, risk monitoring through direct supervision and evaluation of customer finances, as well as risk control through warning letters and collateral confiscation. Although risk management at BMT UGT Nusantara Bondowoso Kota Branch is quite good, there are still shortcomings in socialization to customers about the importance of risk management. Increased accuracy in analyzing financing and training to customers is expected to minimize the risk of problematic financing for mudarabah. 
PROFIT ANALYSIS AS A COMPANY PERFORMANCE INDICATOR IN THE PERSPECTIVE OF IBNU KHOLDUN'S COMPANY THEORY Adinata, Uslan; Wahidah, Sofiatul; Suib, Mohammad Syaiful
IJED: International Journal of Economy Development Research Vol 4, No 1 (2025)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/ijed.v4i1.10839

Abstract

The aim of this research is to influence the company as an indicator in using Ibn Khaldun's theory. The research method used is a qualitative qualitative method to describe and make it easier for researchers with data collection techniques, observations, comments and literature studies. The research results show that Ibnu Khaldun is not only profit-oriented towards material benefits but also has non-material aspects such as piety, patience and gratitude.
STRATEGI PEMASARAN : UPAYA MENINGKATKAN REPUTASI BANK DAN COSTUMER TRUST PADA TABUNGAN DI BANK SYARIAH INDONESIA HIMMAH, MUFIDATUL; FITRIA, ANIS; WAHIDAH, SOFIATUL; ATIQURRAHMAN, ATIQURRAHMAN
JURNAL PROFIT Vol 6, No 2 (2022): Economic Banking
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v6i2.3665

Abstract

This study discusses the marketing strategy of the savings product Tabungan and how the marketing strategy can have an impact on the level of company reputation and the level of customer trust in BSI Probolinggo . This study aims to (1) understand and find out more about the marketing strategy used by BSI Probolinggo , in maeting its Tabungan savings product. (2) describe the efforts of BSI Probolinggo in marketing its products to continue to maintain the existence of the products they have and overcome the marketing problems they face. (3) to determine the impact of the marketing strategy on the level of reputation and customer trust in the company. Using this type of qualitative research with direct observation and interview methods. From the observations made by the author, the results of the study are as follows: (1) Tabungan savings is a savings product that is most in demand by customers with a percentage of 36.5% of the use of a total of 6 fundraising products offered with 5fivesavings products and 1-time deposit producWorship (2) the use of an effective sales strategy turns out to have an impact on the level of company reputation and the trust given by customers, the more products sold indicate that the public has interest and trust in the product, and automatically increases the reputation of the company (3) the marketing strategy used by the company BSI Probolinggo  is still traditional, with direct marketing methods by Customer Service. (4) the lack of use of digital technology in marketing Tabungan savings products. (5) To maintain customer loyalty, usually, BSI Probolinggo  gives gifts to customers, shopping discounts and other direct prizes.
Co-Authors Adinata, Uslan ATIQURRAHMAN, ATIQURRAHMAN Fitria, Anis HIMMAH, MUFIDATUL Mohammad Syaiful Suib