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All Journal JEBD Jurnal Pajak dan Analisis Ekonomi Syariah
Nuvailah Rosiyah
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Economics, Econometrics & Finance Engineering Other

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Manajemen Resiko Kredit pada Perbankan Syariah Eristiana Choirun Nisa; Nuvailah Rosiyah; Rosa Try Octavia
Jurnal Pajak dan Analisis Ekonomi Syariah Vol. 1 No. 4 (2024): Oktober: Jurnal Pajak dan Analisis Ekonomi Syariah
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jpaes.v1i4.670

Abstract

This study aims to analyze the implementation of credit risk management in Islamic banking, which is a crucial aspect in maintaining business stability and sustainability. The research focuses on identifying credit risk control strategies, such as supervisory oversight by the board of commissioners, risk management policies, and internal control systems. The research method used is a literature review, examining various sources, including journals, books, and official documents. The article shows that credit risks in Islamic banking arise from customers' failure to meet payment obligations and involve concentration and counterparty risks. Islamic banks apply several strategies to address non-performing loans, such as rescheduling, restructuring, reconditioning, and, when necessary, collateral seizure. The implementation of credit risk management helps banks reduce potential losses and improve operational efficiency. Effective credit risk management enables Islamic banks to mitigate losses and maintain customer trust while adhering to Sharia principles and OJK regulations. With the right strategies, Islamic banks can ensure financial stability and sustain long-term growth..
Analisis Faktor-Faktor Yang Mempengaruhi Minat Nasabah Menggunakan Produk Tabungan Umum Syariah Di BMT-UGT Nusantara Capem Jember Kota Nuvailah Rosiyah; Nova Lupita Nur Wulandari; Dewi Elok Faiqoh; Nur Hidayat
Jurnal Ekonomi dan Bisnis Digital Vol. 2 No. 3 (2025): Januari - Maret
Publisher : CV. ITTC INDONESIA

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Abstract

Baitul Maal Wat Tamwil (BMT) is a non-banking financial institution that supports community quality by supporting micro-enterprises by collecting funds from the community. The BMT UGT Sidogiri Cooperative began operating on June 6, 2000, and was converted to BMT UGT Nusantara in December 2020. This study aims to identify factors that influence customer interest in BMT UGT Nusantara's general savings products. The three main factors found are (1) clear and easy-to-understand product factors to inspire customer interest. (2) Service Factors: Friendly and Responsive - The first service increases customer satisfaction. (3) Procedure Factors: Fast and easy procedures in opening a BMT UGT sharia general savings account. The results of the study indicate that the combination of these three factors contributes significantly to increasing insight into BMT for the development of more effective strategies to maintain and sustain conservation.
Co-Authors Dewi Elok Faiqoh Eristiana Choirun Nisa Nova Lupita Nur Wulandari Nur Hidayat Rosa Try Octavia