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Analisis Strategi Penyelesaian Pembiayaan Bermasalah Pada Produk Rahn Di KSPPS “BMT Berbagi” Jepara Rohman, Syifaur; Ansori, Miswan
WADIAH Vol. 8 No. 2 (2024): Wadiah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v8i2.1499

Abstract

This research aims to identify the factors that cause financing problems and strategies for handling them at the BMT Sharia Savings and Loans and Financing Cooperative (KSPPS) in Jepara. A descriptive qualitative approach is used to describe the problematic financing phenomenon experienced by Islamic financial institutions. Primary data was obtained through interviews and direct observation, while secondary data was collected from financial reports and periodicals. Data analysis was carried out using data reduction techniques, data presentation, and drawing conclusions according to Miles and Huberman's theory. The research results show that financing problems at KSPPS BMT Sharing are caused by internal factors, such as weak financing analysis, lack of supervision, and suboptimal coordination of the financing committee. External factors include the impact of the COVID-19 pandemic, economic inflation, and the character of members who are irresponsible in paying installments. The handling strategies implemented include preventive measures (financing analysis, monitoring and evaluation), revitalization (rescheduling, restructuring and reconditioning), as well as curative measures (collateral execution, liquidation and collection through third parties). The effectiveness of this strategy is proven by reducing the number of non-performing financing by 19% from 2022 to 2023
Analisis Strategi Penyelesaian Pembiayaan Bermasalah Pada Produk Rahn Di KSPPS “BMT Berbagi” Jepara Rohman, Syifaur; Ansori, Miswan
WADIAH Vol. 8 No. 2 (2024): Wadiah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v8i2.1499

Abstract

This research aims to identify the factors that cause financing problems and strategies for handling them at the BMT Sharia Savings and Loans and Financing Cooperative (KSPPS) in Jepara. A descriptive qualitative approach is used to describe the problematic financing phenomenon experienced by Islamic financial institutions. Primary data was obtained through interviews and direct observation, while secondary data was collected from financial reports and periodicals. Data analysis was carried out using data reduction techniques, data presentation, and drawing conclusions according to Miles and Huberman's theory. The research results show that financing problems at KSPPS BMT Sharing are caused by internal factors, such as weak financing analysis, lack of supervision, and suboptimal coordination of the financing committee. External factors include the impact of the COVID-19 pandemic, economic inflation, and the character of members who are irresponsible in paying installments. The handling strategies implemented include preventive measures (financing analysis, monitoring and evaluation), revitalization (rescheduling, restructuring and reconditioning), as well as curative measures (collateral execution, liquidation and collection through third parties). The effectiveness of this strategy is proven by reducing the number of non-performing financing by 19% from 2022 to 2023
Rancang Bangun Sistem Monitoring Dan Keselamatan Dengan Fitur Live Tracking Pada Mobil Rental Rohman, Syifaur; Zakiyah Amalia
Jurnal Ilmiah Teknik Mesin, Elektro dan Komputer Vol. 5 No. 2 (2025): Juli: Jurnal Ilmiah Teknik Mesin, Elektro dan Komputer
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/juritek.v5i2.4548

Abstract

The rapid development of the car rental industry demands a more sophisticated, efficient, and safe fleet supervision system. This research aims to design and implement an Internet of Things (IoT)-based monitoring and safety system with live tracking features on rental vehicles. The system incorporates a GPS module for location tracking, an ESP32 S3 microcontroller as a data processing center, as well as a geofencing feature to detect vehicle movements outside of a predetermined operational area. Data is sent and monitored in real-time through the Telegram platform. The test was conducted to analyze the effect of distance on the response time of the data transmission, as well as the relationship between engine rotation (RPM) and engine temperature. The results showed a positive relationship between distance and response time, where the farther the vehicle is from the Base Transceiver Station (BTS), the greater the delay value, with an average response time of 5,402 ms. Meanwhile, the highest engine temperature was recorded at 2000 r/min at 96°C, but the temperature returned to stability at 4000 r/min due to improved cooling efficiency. As an effort to prevent overheating, the system is equipped with a second fan motor that is active in the temperature range of 96°C to 94°C. Statistical tests using ANOVA One-Way and normality tests showed a significant influence between variables, so that the system designed proved to be effective in improving the supervision and safety of rental vehicles.