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Manajemen Strategi Koperasi Jasa Keuangan Mikro Syariah (KJKS) Studi Kasus di Baitul Mal Wat tamwil (BMT) Syariah Sejahtera Boyolali Harmoyo, Dwi
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 2 (2012): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v3i2.299-317

The purposes pf the research are: (1) to analyze the external factor andinternal factor of KJKS BMT Syariah Sejahtera. (2) To analyze the strengthen,weaknesses, opportunity, and threat of KJKS BMT Syariah Sejahtera. (3)To formulate the alternative strategic management of KJKS BMT SyariahSejahtera. The research uses descriptive qualitative method approach aboutstrategy management of KJKS BMT Syariah Sejahtera with businessenvironment analysis approach that consists of external environment andinternal environtment. The external environment consists of generalenvirontment such as: politic, economic, social, and technology (PEST) andalso industrial environment. Internal environmen tcosists of oganizationÂ aspek, moneter, weaknesses, opportunity and threat (SWOT Analysis) areÂ formulated in alternatif strategic mangement of KJKS BMT SyariahÂ Sejahtera. The result of the research show that general environment of KJKSÂ BMT Syariah Sejahtera shows a good enaugh prospect. IndustrialÂ environment shpws that there isi any high competition. Internal environmentÂ shows that KJKS BMT Syariah Sejahtera has three primer competitions.Â Based on the SWOT Analysis, shows that in SWOT â€“ 4K quadrant, theÂ position of KJKS BMT Syariah Sejahtera in the I quadrant in 0,09 positionÂ for strengthen-weaknesses and 2,40 for opprtunity-threat. The position showsÂ that the alternative strategic mangement that can be done byÂ KJKS BMT Syariah Sejahtera is the growth strategy in corporate strategyÂ and focus strategy in business strategy. The result of the research is aspctedÂ useful for KJKS BMT Syariah Sejahtera and others micro syariah finance,Â and also for the writer

Manajemen Strategi Koperasi Jasa Keuangan Mikro Syariah (KJKS) Studi Kasus di Baitul Mal Wat tamwil (BMT) Syariah Sejahtera Boyolali Dwi Harmoyo
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 2 (2012): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

The purposes pf the research are: (1) to analyze the external factor andinternal factor of KJKS BMT Syariah Sejahtera. (2) To analyze the strengthen,weaknesses, opportunity, and threat of KJKS BMT Syariah Sejahtera. (3)To formulate the alternative strategic management of KJKS BMT SyariahSejahtera. The research uses descriptive qualitative method approach aboutstrategy management of KJKS BMT Syariah Sejahtera with businessenvironment analysis approach that consists of external environment andinternal environtment. The external environment consists of generalenvirontment such as: politic, economic, social, and technology (PEST) andalso industrial environment. Internal environmen tcosists of oganization aspek, moneter, weaknesses, opportunity and threat (SWOT Analysis) are formulated in alternatif strategic mangement of KJKS BMT Syariah Sejahtera. The result of the research show that general environment of KJKS BMT Syariah Sejahtera shows a good enaugh prospect. Industrial environment shpws that there isi any high competition. Internal environment shows that KJKS BMT Syariah Sejahtera has three primer competitions. Based on the SWOT Analysis, shows that in SWOT – 4K quadrant, the position of KJKS BMT Syariah Sejahtera in the I quadrant in 0,09 position for strengthen-weaknesses and 2,40 for opprtunity-threat. The position shows that the alternative strategic mangement that can be done by KJKS BMT Syariah Sejahtera is the growth strategy in corporate strategy and focus strategy in business strategy. The result of the research is aspcted useful for KJKS BMT Syariah Sejahtera and others micro syariah finance, and also for the writer

SUPERVISION OF SHARIA COOPERATIVES BASED ON FINANCIAL STATEMENTS: Analysis of Financial Statements of BMT Tumang 2015-2019 Dwi Harmoyo; M. Arif Kurniawan
NUsantara Islamic Economic Journal Vol. 1 No. 1 (2022): 2022 January
Publisher : Department of Islamic Economic, Faculty of Economic and Business, Nahdlatul Ulama Islamic University (UNISNU) Jepara, Indonesia

This research discusses the supervision of sharia cooperative with financial statement basic, the document study of BMT Tumang Financial Statement from 2015 to 2019 Year. The research is sequential exploratory research, it's mean to mix between quantitative research and qualitative research, quantitative method to use financial statement analyze approach next to explained in qualitative descriptive approach. The purposes of the research to assess and describe into criteria (disobedient, less obedient, quite obedient, obedient) of cooperative compliance, financial compliance, and sharia compliance. Cooperative compliance that consists of cooperative principles such as: giving, democratist, justice of profit laverge, resource appreciate, and independence. Financial compliance that consists of financial management such as: capitaly, productive assets, efficiency, liquidity, and growth. Sharia compliance that consists of sharia principle such as: amanah, muamalah, khalifah, 'is, interest free, and uncentralistic economic. The result of the research show that BMT Tumang has obedient to compliance of membering, abedient to compliance of democratic, less obedient to compliance of justice, less obedient to compliance of profit laverge, quite obedient to compliance of resource appreciate, and less obedient to compliance of independence. BMT Tumang has less obedient to compliance of capitaly, obedient to compliance of productive assets, quite obedient to compliance of efficiency, less obedient to compliance of liquidity, less obedient to compliance of growth. BMT Tumang has obedient to compliance of amanah, quite obedient to compliance of muamalah, obedient to compliance of khalifah, less obedient to compliance of 'is, less obedient to compliance of interest free and obedient to compliance of uncentralistic economic. The research results would be better use observation and interview also. The supervision of sharia cooperative with financial statement basic aspected is useful for supervisors of sharia cooperative to compliance assessment.

SWOT ANALYSIS IN PRODUCTIVE MANAGEMENT OF CASH WAQF FUNDING AT MICRO WAQF BANK OF ALMUNA BERKAH MANDIRI KRAPYAK YOGYAKARTA Kholis, Muhammad Nur; Harmoyo, Dwi
Jurnal Asy-Syukriyyah Vol. 25 No. 1 (2024): Jurnal Asy-Syukriyyah
Publisher : STAI Asy-Syukriyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36769/asy.v25i1.427

The role of institutions in managing cash waqf provided security guarantees and wider investment of funds. Here, the question arises of how to manage cash waqf funding at Bank Wakaf Mikro (BWM) using the SWOT approach. This research aimed to determine the strength factors, weakness factors, opportunity factors, and threat factors in the implementation of cash waqf fund management by BWM Almuna Berkah Mandiri Krapyak. This research was a type of field research using qualitative descriptive methods. Data collection techniques were observation, interviews, and documentation. Meanwhile, the data analysis technique was obtained from various sources through triangulation and carried out continuously until saturation. The results of this research could conclude that the strength factors in managing cash waqf funding at BWM Almuna Berkah Mandiri were good human resources and infrastructure. Meanwhile, the weak factor was that social media management was not running well, so promoting customer products was less than optimal. The opportunity factor was the ease of technology, where customers would find it easy to get information from the Micro Waqf Bank. Finally, the threat factor in managing cash waqf funding was the existence of customers who were in trouble, where customers needed to make installment payments at the agreed time.

Penguatan Kewirausahaan Berbasis Pesantren Menuju Kemandirian Ekonomi: (Studi Kasus di Pondok Pesantren Mannallah Bantul Yogyakarta) Hikmah, Nuril; Kurniawan, Muhammad Arif; Harmoyo, Dwi
Al-Iqtishod : Jurnal Ekonomi Syariah Vol. 6 No. 1 (2024): Al-Iqtishod: Jurnal Ekonomi dan Bisnis Islam
Publisher : Program Studi Ekonomi Syariah Institut Agama Islam Sunan Kalijogo Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/iqtis.v6i1.2797

Masih banyak pesantren belum memiliki kemandirian dalam ekonomi, sehingga konsep kemandirian pesantren harus terus digalakkan tidak hanya demi kepentingan internal pesantren, tetapi juga demi kepentingan sosial kemasyarakatannya. Penelitian ini bertujuan untuk mengkaji penguatan kewirausahaan berbasis pesantren menuju kemandirian ekonomi di Pondok Pesantren Mannallah Bantul Yogyakarta. Metode penelitian yang digunakan adalah pendekatan kualitatif dengan desain studi kasus. Data dikumpulkan melalui wawancara mendalam, observasi partisipatif, dan dokumentasi. Hasil penelitian menunjukkan tiga temuan utama, di antaranya: Pertama, upaya penguatan kewirausahaan berbasis pesantren dilakukan melalui pemanfaatan lahan secara optimal, menciptakan produk yang mampu bersaing di pasar, serta meningkatkan keterampilan dalam berwirausaha. Kedua, faktor-faktor yang mempengaruhi keberhasilan program kewirausahaan meliputi kepemimpinan dan manajemen yang baik, sumber daya manusia yang memadai, pendidikan kewirausahaan, teknologi dan inovasi, infrastruktur dan fasilitas yang mendukung, kemitraan, monitoring dan evaluasi yang dilakukan secara rutin. Ketiga, dampak dari penguatan kewirausahaan berbasis pesantren ini adalah peningkatan kemandirian ekonomi santri, pengembangan keterampilan santri, dan peningkatan kesejahteraan santri dan komunitas.

Optimizing ZIS Funds in Islamic Banks: A Case Study of the Islamic Rural Bank in Yogyakarta Anda; Ayu, Navirta; Zahra; Dwi Harmoyo
Mutanaqishah: Journal of Islamic Banking Vol. 5 No. 2 (2025): July - December
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v5i2.2960

Purpose – This study aims to examine the strategies for optimizing the management of zakat, infak, and sadaqah (ZIS) funds in Islamic Rural Banks (BPRS) in the Special Region of Yogyakarta. Methodology – Using a qualitative approach and case study method, this research explores the practices of ZIS fundraising, distribution mechanisms, and empowerment program innovations implemented by the selected BPRS. Findings – The study finds that optimizing ZIS fund management in BPRS relies on three key strategies: community-based distribution, digital fundraising innovation, and collaborative empowerment programs. The synergy between BPRS, zakat institutions, and local stakeholders enhances public trust, increases participation, and strengthens the role of BPRS in promoting inclusive economic development. Implications – These findings provide actionable insights for BPRS and other Islamic financial institutions to design and implement more optimal and sustainable ZIS management strategies. The study also highlights the potential for BPRS to contribute more significantly to inclusive economic development through improved ZIS governance. Originality – This research contributes to the limited literature on the role of Islamic Rural Banks in ZIS management. It offers a fresh perspective by examining the integration of technology and stakeholder collaboration in a localized Indonesian context, which has been relatively underexplored in prior studies.

Analysis of Qordhul Hasan Financial Management at The Non-Bank Islamic Financial Institutions: Evidence from Islamic Saving and Loan Cooperative Miftahul Janah; Dwi Harmoyo; Edo Segara Gustanto
Mutanaqishah: Journal of Islamic Banking Vol. 4 No. 1 (2024): June 2024
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v4i1.1587

The purpose of this research is to find out the management of Qordhul Hasan and analyze it based on the management functions implemented at BMT Beringharjo. This research is field research with a qualitative and descriptive approach. Primary data were obtained from interviews with management, managers, and members of BMT Beringhgarjo, while secondary data is in the form of notes or papers from various scientific works, the internet, or publications about this research problem. Methods of data collection used observation, interviews, and documentation Assessment of the validity of the data used triangulation techniques, sources, and time Data analysis involves the processes of data collection, data reduction, statements, and concluding. The results of the study show that BMT Bringharjo has implemented Qardhul Hasan financing product management since the submission of the application to completion. BMT Bringharjo in implementing the functions of Qardhul Hasan's financing management as follows: Planning, including the source of funds targeting officers and administration. Organizing includes human resources, time scheduling, and fund allocation. Implementation includes application services, appraisal, realization, installments, billing, and settlement. Control includes monitoring borrower members based on current, substandard, doubtful, and loss categories with different handling according to the Qardhul Hasan financing category.

Pengaruh Tingkat Pendapatan dan Gaya Hidup terhadap Minat Menabung Masyarakat di Kecamatan Mondokan Kabupaten Sragen Parni; Harmoyo, Dwi; Mawftiq, Rarasati
Quranomic: Jurnal Ekonomi dan Bisnis Islam Vol. 1 No. 1 (2022): Quranomic: Jurnal Ekonomi dan Bisnis Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam IIQ An Nur Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37252/jebi.v1i1.192

This research aimed to determine: 1) how income and lifestyle influence the interest in saving partially, 2) how income and lifestyle simultaneously. The type of research used was quantitative research. The independent variables were income (X1) and lifestyle (X2), the dependent variable was interest in saving as variable Y. The sampling technique in this research was Proportionate Stratified Random Sampling with a sample of 300 respondents from a population of 13,406 Heads of Families, namely the Mondokan District community aged productive and income. The instrument testing technique used validity and reliability tests, tools for instrument testing using Microsoft Excel and SPSS 15. While the data analysis techniques used classical assumption tests, multiple linear analysis, and descriptive analysis. The results showed that: 1) income had an effect on interest in saving with a sig value. 0.018 < 0.050, while lifestyle had no effect on interest in saving with a value of sig. 0.151 > 0.050, 2) income and lifestyle simultaneously affected the interest in saving with a value of sig. 0.026 < 0.050.

Analisis Prinsip Kehati-hatian dalam Proses Pembiayaan pada Perusahaan Pinjaman Online Syariah yang Terdaftar pada Otoritas Jasa Keuangan Ul-Ashwat, Natasya; Harmoyo, Dwi
Quranomic: Jurnal Ekonomi dan Bisnis Islam Vol. 2 No. 1 (2023): Quranomic: Jurnal Ekonomi dan Bisnis Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam IIQ An Nur Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37252/jebi.v2i1.409

For this reason, this study discusses about 5C in the financing process for Islamic online loans. The method used is descriptive analysis with a qualitative approach. Data collection techniques using interviews, documentation, online observation. The results of this study explain that: (1) The financing process in Islamic online loans is in accordance with existing theory and has the same flow from starting to register by filling out forms and collecting the files needed, file selection, re-examination, bidding. product, financing approval, realization, then return. (2) Every company has implemented the 5C principle, but on the principle of character and capacity, some companies only analyze online without meeting the prospective borrower directly, while the collateral does not fully guarantee that the prospective borrower is able to complete the financing. (3) Constraints that often occur are data fraud, completeness of data on prospective borrowers and difficulties for the team to decide on appropriate financing.

Analisis SWOT Dalam Pengelolaan Pembiayaan Dana Wakaf Tunai Secara Produktif di Bank Wakaf Mikro Almuna Berkah Mandiri Krapyak Yogyakarta Nur Kholis, Muhammad; Harmoyo, Dwi
Quranomic: Jurnal Ekonomi dan Bisnis Islam Vol. 3 No. 1 (2024): Quranomic: Jurnal Ekonomi dan Bisnis Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam IIQ An Nur Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37252/jebi.v3i1.645

Peran lembaga dalam pengelolaan wakaf tunai memberikan jaminan keamanan dan investasi dana yang lebih luas, maka muncul pertanyaan bagaimana pengelolaan pembiayaan dana wakaf tunai di Bank Wakaf Mikro dengan pendekatan SWOT. Tujuan penelitian ini adalah: 1) Mengetahui faktor kekuatan, faktor kekurangan, faktor peluang, dan faktor ancaman di dalam pelaksanaan pengelolaan dana wakaf uang oleh Bank Wakaf Mikro Almuna Berkah Mandiri Krapyak. Penelitian ini merupakan jenis penelitian lapangan (field research) dengan menggunakan metode deskriptif kualitatif. Hasil dari penelitian ini dapat disimpulkan bahwa faktor kekuatan dalam pengelolaan pembiayaan dana wakaf tunai di Bank Wakaf Mikro Almuna Berkah Mandiri yaitu sumber daya manusia dan sarana prasarana. Untuk faktor kelemahannya dalam pengelolaan pembiayaan dana wakaf tunai yaitu media sosial yang kurang berjalan maksimal dalam mempromosikan produk-produk nasabah. Untuk faktor peluangnya yaitu kemudahan teknologi, dimana para nasabah akan sangat mudah dalam mendapatkan informasi-informasi dari Bank Wakaf Mikro. Yang terakhir faktor ancaman dalam pengelolaan pembiayaan dana wakaf tunai yaitu adanya nasabah yang macet, dimana nasabah tidak melakukan pembayaran cicilan pada waktu yang sudah disepakati.

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