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All Journal Riau Journal of Empowerment Jurnal Perbankan Syariah
Setia Rini Arista
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Agriculture, Biological Sciences & Forestry Economics, Econometrics & Finance Education Social Sciences

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Strategi Preventif dan Represif Pembiayaan Bermasalah untuk Konsistensi Kesehatan Bank (Studi Kasus BSI KC Bojonegoro) Yuria, Ima Yuriani; Setia Rini Arista
Jurnal Perbankan Syariah Vol. 3 No. 2 (2024): Jurnal Perbankan Syariah
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jps.v3i2.10219

Abstract

This research discusses preventive and repressive strategies in dealing with problematic financing so that the level of bank health that has been achieved is well maintained. Based on facts in the field, financing problems often occur among customers, especially at the Bank Syariah Indonesia Bojonegoro Branch Office. Therefore, the aim of this research is to find out more about the handling of problematic financing, both from preventive and repressive strategies carried out by BSI KC Bojonegoro, the factors that trigger problematic financing at BSI KC Bojonegoro, as well as the mechanisms implemented by BSI KC. Bojonegoro in overcoming financing problems. The method used in this research is a qualitative descriptive method using field research. The results of the research state that there are 2 strategies for handling problematic financing carried out by BSI KC Bojonegoro, namely preventive and repressive strategies. Preventive strategies include providing information regarding the legal consequences of breach of contract, then evaluating the management of the financing distribution portfolio, and evaluating the financing unit. Then repressive strategies include contacting customers, visiting customers' homes, giving warning letters, deliberation, rescheduling, reconditioning, restructuring, writing off, auction selling collateral, and finally taking legal action. Then there are 2 factors that cause financing problems, namely internal and external factors. It is hoped that this research can provide new insights regarding handling problematic financing to readers and can be used as evaluation material for BSI KC Bojonegoro.
Pengelolaan Sampah Berbasis Masyarakat: Revitalisasi Bank Sampah Syariah UIN Sunan Ampel Surabaya untuk Masa Depan yang Lebih Hijau Achmad Room Fitrianto; Ajeng Tita Nawangsari; Riska Agustin; Setia Rini Arista
Riau Journal of Empowerment Vol 7 No 1 (2024)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31258/raje.7.1.16-30

Abstract

The inadequate management of waste in a region has adverse effects on environmental pollution in that area. The resulting impacts include a decline in health due to disease outbreaks carried by waste, disruptions to aesthetics and comfort, disturbance of ecosystems, and economic losses. Current waste management practices often lack the principles of reduction, reuse, and recycling, leading to negative effects on public health and the environment. Comprehensive and integrated waste management is needed to achieve economic benefits, health for the community, and environmental safety. This study focuses on the revitalization of a Sharia-based Waste Bank (BSS) at Sunan Ampel State Islamic University (UINSA) in Surabaya, Indonesia. The aim is to support the university's commitment to environmental sustainability and implement quality waste management. The research employs a combination of qualitative and quantitative methods, including surveys, focus group discussions, and interviews, to assess the current waste management situation, stakeholders' perceptions, and potential strategies for waste bank revitalization. The study proposes a community-based waste management model through the revitalization of BSS to empower both internal and external stakeholders. This model integrates educational programs, financial incentives, and technological solutions to promote waste reduction, sorting, and recycling. The research contributes to enhancing waste management practices in the university and its surrounding communities while aligning with global sustainability goals.
Co-Authors Achmad Room Fitrianto Ajeng Tita Nawangsari Riska Agustin Yuria, Ima Yuriani