Articles
<![CDATA[Efek Pembiayaan Mudarabah dan Musyarakah pada Return on Equity (ROE) ]]>
<![CDATA[Safitri, Siti Zulia]]>;
<![CDATA[Hazmi, Faiqul]]>;
<![CDATA[Utami, Cahyaning Budi]]>
<![CDATA[ Sharef: Journal of Sharia Economics and Finance Vol 1 No 2 (2023): Journal of Sharia Economics and Finance Vol. 1 No. 2 (2023) ]]>
Publisher : <![CDATA[Universitas Islam Nahdlatul Ulama Jepara ]]>
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DOI: 10.34001/jsef.v1i2.746
<![CDATA[Penelitian ini bertujuan untuk mengetahui pengaruh pembiayaan mudarabah dan pembiayaan musyarakah terhadap tingkat Return On Equity (ROE) pada Bank Umum Syariah periode 2019-2021. Data yang digunakan dalam penelitian ini adalah data sekunder yang diperoleh dari Bank Umum Syariah yang terdaftar di Otoritas Jasa Keuangan (OJK). Sampel dalam penelitian ini berjumlah 9 Bank Umum Syariah yang menyajikan laporan keuangan Mudarabah, Musyarakah dan Return On Equity (ROE). Teknik analisis data yang digunakan dalam penelitian ini adalah metode regresi data panel, dengan metode pengumpulan data menggunakan cara dokumentasi, dan metode pengolahan data menggunakan program Eviews. Hasil penelitian menunjukan, secara individu (parsial) variabel pembiayaan Mudarabah dan Musyarakah tidak berpengaruh terhadap tingkat Return On Equity (ROE), dan secara bersama-sama (simultan) variabel pembiayaan Mudarabah dan Musyarakah berpengaruh signifikan terhadap tingkat Return On Equity (ROE) pada Bank Umum Syariah periode 2019-2021. Pengaruh pembiayaan Mudarabah dan Musyarakah terhadap tingkat Return On Equity (ROE) adalah sebesar 83.49% dan sisanya sebesar 16.51% dipengaruhi oleh faktor lain yang tidak diteliti dalam penelitian. Bagi pihak manajemen Bank Umum Syariah, diharapkan mampu mengembangkan lebih lagi terhadap pembiayaan yang berpotensi dapat meningkatkan profitabilitas dan lebih memperhatikan faktor pembiayaan macetnya sehingga mampu menekan kerugian dan meningkatkan profitabilitas Bank Umum Syariah.]]>
<![CDATA[Peran ESQ pada Kinerja Karyawan KSPPS BMT di Wilayah Kabupaten Jepara ]]>
<![CDATA[Noris, Faisal]]>;
<![CDATA[Hazmi, Faiqul]]>;
<![CDATA[Budi Utami, Cahyaning]]>
<![CDATA[ Sharef: Journal of Sharia Economics and Finance Vol 2 No 2 (2024): Journal of Sharia Economics and Finance Vol. 2 No. 2 (2024) ]]>
Publisher : <![CDATA[Universitas Islam Nahdlatul Ulama Jepara ]]>
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DOI: 10.34001/jsef.v2i2.1035
<![CDATA[Beberapa BMT di Kabupaten Jepara melakukan perekrutan karyawan menggunakan metode konvensional dengan melakukan skrining prestasi akademis dari para pelamar. serta belum mengakomodasi kecerdasan emosional dan kecerdasan spritual. Secara teoritis IQ atau kecerdasan intelektual hanya menentukan 20% dari kesuksesan, sementara porsi yang lebih besar ditentukan oleh Kecerdasan Emosional dan Kecerdasan Spiritual berdasarkan statemen - statemen tersebut maka perlu dibuktikan dengan penelitian. Penelitian ini bertujuan untuk menguji pengaruh dari Kecerdasan Emosi dan Kecerdasan Spiritual terhadap kinerja karyawan Koperasi Simpan Pinjam dan Pembiayaan Syariah KSPPS Baitul Maal Wat Tamwil BMT. Lokus penelitian adalah KSPPS dan BMT di wilayah kabupaten Jepara. Jenis penelitian ini adalah kuantitatif dengan menggunakan pendekatan deskriptif. Teknik pengumpulan data yakni kuesioner/angket menggunakan google form yang disebarkan melalui pesan whatsapp kepada para karyawan BMT di wilayah Kabupaten Jepara. Berdasarkan hasil penelitian, variabel EQ memiliki pengaruh positif sebesar 27%, sedangkan variabel SQ memiliki pengaruh positif sebesar 53% terhadap kinerja karyawan. Kedua variabel sama - sama mempengaruhi sebesar 79% sisanya dipengaruhi oleh faktor lain di luar variabel yang digunakan.]]>
<![CDATA[ANALISIS PEMBIAYAAN BERMASALAH PRODUK PEMBIAYAAN TEMPO DENGAN SKEMA BALLOON PAYMENT PADA KSPPS BMT SOKO GURU MA’ARIF JEPARA ]]>
<![CDATA[Santika, Putri]]>;
<![CDATA[Hazmi, Faiqul]]>
<![CDATA[ Jurnal Tabarru': Islamic Banking and Finance Vol. 7 No. 2 (2024): Jurnal Tabarru' : Islamic Banking and Finance ]]>
Publisher : <![CDATA[Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR) ]]>
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DOI: 10.25299/jtb.2024.vol7(2).17835
<![CDATA[Studi ini membahas pembiayaan bermasalah pada produk pembiayaan tempo dengan skema balloon payment di KSPPS BMT Soko Guru Ma'arif Jepara. Faktor internal dan eksternal seperti penyelewengan dana, kurangnya pengendalian, situasi ekonomi, politik, dan alam menjadi penyebab utama permasalahan ini. Dampaknya meliputi Non Performance Financing (NPF) yang melebihi batas wajar, gangguan likuiditas dan profitabilitas BMT serta kesulitan ekonomi bagi anggota. Strategi yang telah diterapkan meliputi analisis mendalam, restrukturisasi pembiayaan, dan penagihan intensif, dengan penekanan pada langkah-langkah preventif dan kuratif. Penelitian ini memberikan pemahaman mendalam terkait resiko pembiayaan bermasalah dan menawarkan rekomendasi untuk mengatasinya dengan fokus pada peningkatan literasi keuangan anggota terkait skema pembiayaan tempo dengan balloon payment. Selain itu artikel ini juga membahas aspek-aspek lain dari pembiayaan mikro, termasuk dampaknya terhadap pengentasan kemiskinan, kesetaraan gender, dan inklusi sosial, serta strategi untuk menyelesaikan pembiayaan yang bermasalah di lembaga keuangan Islam.]]>
<![CDATA[Peningkatan Daya Saing Pengrajin Aluminium Masa Pandemi Covid-19 Melalui Pembentukan Paguyuban ]]>
<![CDATA[Jumaiyah]]>;
<![CDATA[Hazmi, Faiqul]]>;
<![CDATA[Syahriar, Alfa]]>;
<![CDATA[Wahidullah]]>
<![CDATA[ Dinamis: Jurnal Pengabdian Kepada Masyarakat Vol. 2 No. 1 (2022): Juni 2022 ]]>
Publisher : <![CDATA[Universitas Hasyim Asy'ari Tebuireng Jombang ]]>
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DOI: 10.33752/dinamis.v2i1.5835
<![CDATA[Because the covid pandemic of the 19 financial sector, especially small industries, was threatened with bankruptcy, people’s purchasing power fell due to mass layoffs. To build the resilience of small industries it is important to do. The aim of the community partnership program is to help the aluminum industry in Jepara Regency be sustainable. The service implementation method will be carried out in 2 (two) methods, namely the tutorial or lecture method and the implementation assistance where the dedication partner participates in a smaller program that is receiving, practicing knowledge. While in the second method, service partners will be asked to be active in carrying out the various activities provided. The results of this community partnership program The community gathering group was formed for the first time to raise awareness as a member of the group, Make joint agreements on products, materials and standard prices applied and the organizational structure and community activities. The second partner is able to create a delivery plan flow, prioritize work assignments, make a filing, the third partner is able to manage finances and simple bookkeeping training for micro businesses The four partners are able to do marketing through social media (OSS) on the https://www.oss.go.id/]]>
<![CDATA[Pengaruh Religiusitas Terhadap Impulse Buying dengan Intensitas Penggunaan Paylater sebagai Variabel Intervening pada Generasi Milenial ]]>
<![CDATA[Hazmi, Faiqul]]>
<![CDATA[ Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 1 (2023): Islamic economics and banking research ]]>
Publisher : <![CDATA[Universitas Islam Negeri Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/ba.v8i1.2874
<![CDATA[This study reveals the role of religiosity in influencing of impulsive buying risk. almost of the online shopping provide a paylater feature that helps users to purchase goods with payment at a later date (online debt). The object of this research is the millennial generation. The method used is quantitative using SmartPLS as a statistical tool. The results show that (1) The level of religiosity has a negative effect on impulse buying, meaning that the more religious a person will decreases of impulsive buying behavior; (2) Religiosity has a significant negative effect on the intensity of using paylater, meaning that the more religious a person will decrease behavior of indebtedness through paylater on online shopping; (3) The intensity of using paylaters has a significant positive effect on impulse buying, meaning that debt behavior through paylaters risks increasing impulsive purchases; (4) Religiosity has a significant negative effect on impulse buying with the intensity of using paylater as an intervening variable. This indicates that Religiosity is a variable that negatively affects impulse buying, so that the dimensions in Religiosity can be strengthened, which can reduce wasteful and wasteful lifestyles. caused by impulsive purchases without going through careful purchase considerations.]]>
<![CDATA[Identifikasi Mission Drift Pada Keadilan Jender dan Inklusi Sosial di Lembaga Keuangan Mikro Syariah ]]>
<![CDATA[Hazmi, Faiqul]]>;
<![CDATA[Utami, Cahyaning Budi]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 1 (2024) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v10i1.2397
<![CDATA[Islamic Microfinance institutions (IMFIs) their operations are expected to not only consider financial performance, but must accommodate the principles of gender justice, because humans both men, women and people with disabilities are equally as khalifatullah fil ard to manage the earth as God wills. However, several studies show a shift in the mission carried out by IMFIs. This research aims to determine the forms of mission drift that occur at IMFIs, especially Baitul Maal Wat Tamwil in 3 districts in Central Java, District of Jepara, Kudus and Demak. These three regions were chosen because they have different levels of IMFIs development. The research results show that the forms of mission drift that occur include: (1) Differences in the accessibility of financial services based on gender; (2) Changes in IMFIs customer priorities; (3) Product changes that prioritize bankable customers; (4) Increasing of Margin, Ujroh profit sharing portion and costs; (5) Changing the focus of financing to be more profit-oriented. The implication of the results of this research is that MFIs need to mainstream gender by paying attention to the portion of financing and absorbing public funds in a Gender-equity manner by encouraging balance between the portions of men and women. Regulators need to carry out strict supervision so that their commitment to maintaining the IMFIs mission values, apart from that, stimulus to institutions that prioritize gender justice also needs to be provided.]]>
<![CDATA[Model Evaluasi Kinerja Lembaga Keuangan Mikro Syariah Berbasis Konsep Mobadala, Kesetaraan Gender dan Inklusi Sosial. ]]>
<![CDATA[Hazmi, Faiqul]]>;
<![CDATA[Utami, Cahyaning Budi]]>;
<![CDATA[Munasir]]>;
<![CDATA[Chouarfa, Houda]]>
<![CDATA[ IQTISHODUNA: Jurnal Ekonomi Islam Vol. 14 No. 1 (2025): April ]]>
Publisher : <![CDATA[LPPM, Universitas Islam Syarifuddin Lumajang ]]>
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DOI: 10.54471/iqtishoduna.v14i1.2916
<![CDATA[This research aims to evaluate the performance of Islamic Microfinance Institutions (IMFIs) based on gender justice and social inclusion. This research focuses on IMFIs in 3 cities: Jepara, Kudus and Demak. Data collection techniques were carried out through observation, interviews, primary data documentation and secondary data collection in the form of financial reports. This research uses a decision support system tool, the Simple Additive Weighting (SAW) method, to measure the financial performance of Islamic banks from a gender perspective. The research results show (1) Apart from quantitative performance measurements, IMFIs need to consider qualitative measurement aspects, such as gender justice and social inclusion; (2) Preparation of a strategy model for evaluating IMFIs performance based on gender justice & social inclusion; (3) The proposed ranking model is an adaptation model for the Maqosid Syariah Index ranking by adding gender justice conception items to the construct in performance evaluation as part of the principles of Iqomatul Adli and elements of Al-Maslahah. Mobadalah-based gender justice is a theoretical concept that pursues fairness and reciprocity in granting rights and fair treatment of all individuals, regardless of sex or gender identity.]]>
<![CDATA[Strategi Penyelesaian Non Performing Financing Pada KSPPS BMT di Kabupaten Jepara ]]>
<![CDATA[Hazmi, Faiqul]]>;
<![CDATA[Sofwan, Ali]]>;
<![CDATA[Hidayat, Solikhul]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 1 (2023) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v9i1.2689
<![CDATA[High number of non performing financing (NPF) has a negative impact on Islamic Microfinance (BMT), that problems affect to financial performance in low condition, liquidity problems, as well as difficulties in covering operational costs, difficulties to payback financial obligations, and BMT will eventually losses then will be converted by reducing the amount of capital. That things will be resulting in the threat of sustainability. The aims of this study, are explain the strategies used by BMT`s in Jepara to solve their NPF. The research method used a descriptive qualitative approach, this research used purposive sampling, the criteria is the key person in carrying out steps to resolve NPF in their institutions. The research finding is, there are strategies to overcome the problems of high NPF. The strategy used by 2 models, first preventive action in the form of forming strong financing organs and carrying out effective financing analysis second curative action after the financing is disbursed (1) Customer Nurturing (2) Rescheduling, (3) Reconditioning, (4) Restructuring, (5) Collateral Confiscation through litigation and non-litigation. Other findings is (6) The strategy as solution through the organizational path that became afiliation of the KSPPS BMT. ]]>
<![CDATA[ASSISTANCE IN THE PREPARATION OF FINANCIAL REPORTS AT THE "LESTARI MANDIRI" MICROFINANCE INSTITUTION RAGUKLAMPITAN JEPARA ]]>
<![CDATA[Hazmi, Faiqul]]>;
<![CDATA[R. Musfiroh, Mayadina]]>;
<![CDATA[Fauzan Mubarok, Ahmad]]>
<![CDATA[ Abdi Dosen : Jurnal Pengabdian Pada Masyarakat Vol. 6 No. 3 (2022): SEPTEMBER ]]>
Publisher : <![CDATA[LPPM Univ. Ibn Khaldun Bogor ]]>
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DOI: 10.32832/abdidos.v6i3.1246
<![CDATA[This service activity assists the microfinance institution Lestari Mandiri Raguklampitan Batealit Jepara. The activities of Lestari Mandiri microfinance service partners include providing savings and loan services to their members independently and visitors. The organization is owned, managed, and utilized independently by the community in the local village. The purpose of the service is to increase knowledge in terms of recording and making financial reports according to standards. The problems faced by partners are recording savings and loan transactions is still done manually so it requires accuracy and thoroughness from the manager so that it is less efficient. These things may be problems and risks in the form of data, data redundancy, and the difficulty of knowing financial information in the form of costs, income, and balance sheets, as well as difficulties in getting late and accurate payment data (2) This is the first point, causes another problem in the form of recording payments as well as the management of financing carried out by the manager. The solution provided is under business needs by (1) Providing training in financial reporting to comply with standards. (Providing training in financing management). This mentoring and training method is carried out with an in-house training approach, strengthening groups, and continuous mentoring. The results obtained are gaining new knowledge, Improving financing procedures, partners can make financial reports independently, and making it easier for partners to make decisions that are taken.]]>
<![CDATA[Empowering Microfinance Institutions through Credit Risk Analysis Training: Experience from Pecangaan, Jepara ]]>
<![CDATA[Utami, Cahyaning Budi]]>;
<![CDATA[Hazmi, Faiqul]]>;
<![CDATA[Choeri, Imron]]>;
<![CDATA[Salam, Nur Cahyo Muhammad Agus]]>;
<![CDATA[Kaila, Adinda Nafaul]]>
<![CDATA[ ICODEV: Indonesian Community Development Journal Vol. 6 No. 2 (2025) ]]>
Publisher : <![CDATA[Da'wa Faculty UIN Saizu Purwokerto ]]>
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DOI: 10.24090/icodev.v6i2.15288
<![CDATA[Kredit macet merupakan salah satu risiko kredit yang dihadapi lembaga keuangan. Dalam 10tahun terakhir, di Jepara, terdapat 5 lembaga keuangan mikro terutama koperasi gagal dalammengelola risiko kredit yang menyebabkan hilangnya uang masyarakat. Analisa pembiayaandan “Kalkulator Risiko” merupakan langkah preventif bagi lembaga untuk meminimalkan risikokredit yang mungkin muncul. Program pengabdian ini bertujuan untuk memberikan pelatihananalisa keuangan dan penggunaan “Kalkulator Risiko” untuk karyawan koperasi di lingkunganKecamatan Pecangaan, Jepara. Metode pelakanaan pengabdian terdiri dari sosialisasi penyusunan“Kalkulator Risiko”, pelatihan Analisa pembiayaan, simulasi dan pelatihan penggunaanKalkulator Risiko serta monitoring dan evaluasi. “Kalkulator Risiko” memiliki kriteria dan bobotyang dapat dipilih sesuai dengan karakteristik nasabah. Output dari “Kalkulator Risiko” adalahlembar persetujuan yang memuat skor calon nasabah dalam 3 kategori yaitu ditolak (skor < 300),direkomendasikan (300 – 350), dan diterima (skor > 350). Kalkulator Risiko cukup potensialuntuk digunakan pada lembaga keuangan mikro sejenis, namun perlu melakukan penyesuaiandengan karakteristik masing-masing lembaga. Hasil dari program pengabdian ini adalah melaluiKalkulator Resiko maka mitra mampu melakukan analisa pembiayaan dengan objektif dariberhati-hati.]]>
