Kamila Faradila
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ASSET AND LIABILITY MANAGEMENT STRATEGY TO IMPROVE PROFITABILITY OF ISLAMIC BANKS Erina Effi Abidah; Ainani Tajriani; Kamila Faradila; Andi Amri
TRANSACTION : Journal of Taxation, Accounting, Management and Economics Volume 2 Issue 1 January 2024
Publisher : Arsil Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62287/transaction.vi.46

Abstract

This journal research aims to investigate the role of asset and liability management strategies' role in increasing Islamic banks' profitability. In this research, the Literature Review method was used. Where this research contains at least almost 80% of national and international articles and journals and e-books published on various platform providing articles, journals, and e-books at national and international levels that discuss asset and liability management strategies for Sharia banks. Literature Review is a national and international literature search carried out using the Google Scholar database (Knopf, 2006; Sugiyono, 2017). In the context of a changing and complex economy, a deep understanding of how Islamic banks can manage their assets and liabilities is crucial. By focusing on sharia principles, this research will identify strategies that can help sharia banks achieve optimal levels of profitability, while still complying with sharia provisions.
Analisis Strategi dan Tantangan Lembaga Amil Zakat Masjid Raya Bintaro Jaya dalam Penyaluran Pinjaman Dana Infaq (Bank Infaq) Guna Memberdayakan UMKM di Tangerang Selatan. Kamila Faradila; Andi Amri
Iqtishodiah: Jurnal Ekonomi dan Perbankan Syariah Vol. 7 No. 2 (2025): Iqtishodiah
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62490/iqtishodiah.v7i2.1413

Abstract

Penelitian ini bertujuan untuk menganalisis strategi dan tantangan yang dihadapi oleh Lembaga Amil Zakat Masjid Raya Bintaro Jaya dalam penyaluran dana infaq melalui program Bank Infaq guna memberdayakan UMKM di Tangerang Selatan. Pendekatan yang digunakan adalah kualitatif dengan metode pengumpulan data melalui wawancara, observasi, dan dokumentasi. Program ini menawarkan pinjaman tanpa bunga dan biaya administrasi kepada pelaku UMKM mikro sebagai bentuk pemberdayaan ekonomi berbasis syariah. Hasil penelitian menunjukkan bahwa meskipun program ini efektif dalam meningkatkan kemandirian ekonomi mustahik, terdapat tantangan seperti pengelolaan risiko, pengawasan pengguna dana, serta pengembangan kapasitas usaha mustahik. Strategi adaptif seperti pendampingan berkelanjutan dan penegakan disiplin terbukti meningkatkan efektivitas penyaluran dana dan mengurangi risiko kegagalan usaha. Temuan ini diharapkan dapat memberikan wawasan strategi bagi lembaga zakat dan pemangku kebijakan dalam meningkatkan keberhasilan program pemberdayaan ekonomi berbasis zakat dan infaq di masa mendatang.