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All Journal Al Birru: Jurnal Keuangan dan Perbankan Syariah Al Qardhu Jurnal Ekonomi dan Bisnis Islam
Hadratullah
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Religion Economics, Econometrics & Finance Social Sciences

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PENGARUH PRODUK TABUNGAN DAN TANGGUNG RENTENG TERHADAP EFESIENSI MITIGASI RESIKO PINJAMAN DI BAITUT TAMKIN NTB UNIT AIKMEL Hadratullah; Lilis Indiryawati
Al Birru: Jurnal Keuangan dan Perbankan Syariah Vol. 1 No. 2 (2022): Juli 2022
Publisher : Al Birru: Jurnal Keuangan dan Perbankan Syariah

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Abstract

Abstract This study aims to examine: The effect of savings products and rent costs partially and significantly on the efficiency of loan risk mitigation in Baitut Tamkin NTB Unit Aikmel, and the influence of savings products and rent costs simultaneously and significantly on the efficiency of loan risk mitigation in Baitut Tamkin NTB Unit Aikmel.This research is quantitative research. The variables in this study are savings products and loan savings and loan risk mitigation efficiencies. The population in this study was 208 people. The sample number was 67. The sampling technique in this study is proportionate random sampling. Data collection techniques use questionnaires, observations and interviews. The analysis technique used is multiple regression.The results showed that: Savings products had a partial and significant effect on loan risk mitigation efficiency shown regression coeffesien value of 0.547 and t calculated value of 3,264 greater than t table 1.999, Rent liability has no partial and insignificant effect with a co-efficiency value of 0.044 and a calculated value of 0.327 smaller than t table 1.999 and simultaneously there is an effect and significant savings and rent responsibility on loan risk mitigation efficiency, indicated by the value F calculated 27.525 greater than F table 3.14. Keywords: Savings Products, Renting Responsibilities, Loan Risk Mitigation
Analisis Efisiensi, Efektivitas dan Akuntabilitas Pengelolaan Sumber Dana Lembaga keuangan Mikro Syari’ah (Studi Kasus di BMT Al-Hasan Mitra Ummat) Hadratullah; Jiranah, Siti
Al-Qardhu Vol. 2 No. 2 (2024): (Februari) Jurnal Al-Qardhu
Publisher : Fakultas Syariah IAI Hamzanwadi Pancor, Lombok Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37216/alqardhu.v2i2.2440

Abstract

This research is motivated by the Islamic Microfinance Institutions which have experienced quite rapid development. BMT as an Islamic microfinance institution has developed. This development is marked by the increasing number of BMTs and the associations that support them. BMTs can carry out various types of business activities, both related to finance and non-finance. First, the collection of zakat, infaq, and shadaqah funds to be distributed to mustahiq (zakat recipients). Second, the collection of BMT funds by mobilizing funds and developing them in various savings. Third, the distribution of funds through micro and small business financing activities. The purpose of this study is to analyze the level of efficiency, effectiveness, and accountability of the management of Islamic microfinance institution funding sources at BMT Al-Hasan Mitra Ummat. The method used is field research with a Qualitative approach. Field research is where research whose data and information are obtained from activities in the research field directly from the research object. Data analysis used in this study is by collecting data through financial reports at BMT Al-Hasan Mitra Ummat from the period 2018-2020.
Co-Authors Jiranah, Siti Lilis Indiryawati