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All Journal Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Jurnal Serambi Ekonomi dan Bisnis
Desiyanti, Nur Alfiyah
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Economics, Econometrics & Finance Education

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Penerapan Manajemen Risiko untuk Meminimalisir Non Performing Financing pada Bank Muamalat KCP Darmo Surabaya Desiyanti, Nur Alfiyah; Wigati, Sri
Jurnal Serambi Ekonomi dan Bisnis Vol 8, No 1 (2024): September 2024 -Februari 2025
Publisher : Universitas Serambi Mekkah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32672/jseb.v8i1.8347

Abstract

This research aims to analyze the application of risk management in order to minimize non- performing financing (NPF) at Bank Muamalat KCP Darmo. Bank Muamalat as a sharia bank is committed to maintaining the quality of its financing portfolio by minimizing the risk of problematic financing. The research method used is qualitative with a case study approach, involving interviews with risk managers, document analysis and direct observation in the field. The research results show that Bank Muamalat KCP Darmo has implemented various risk management strategies, including risk identification, risk assessment, risk control and regular risk monitoring. The implementation of risk management has helped banks reduce NPF risk by increasing understanding of the risks faced and implementing effective prevention and mitigation measures. However, the research also highlights several challenges faced by Bank Muamalat KCP Darmo in implementing risk management. It is hoped that the results of this research can contribute to the development of more effective risk management practices in the Islamic banking industry.
Tinjauan terhadap Praktik Akad Ijarah dan Pembaruannya dalam Perkembangan Ekonomi Syariah di Lembaga Pegadaian Syariah Indonesia Desiyanti, Nur Alfiyah; Wahyudi, Septi Andini Islamiyah; Huda, Bahrul
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol. 7 No. 2 (2023)
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/alurban_vol7.i2/13410

Abstract

This research aims to make a significant contribution to understanding the practice of ijarah contracts in Islamic Pawnshop Institutions, potentially becoming a guide for practitioners, academics, and regulators in advancing the sharia economy in Indonesia. Focus of the research is on dynamics of the growing Islamic economy and the importance of ijarah as the main instrument in Islamic Pawnshop Institution. This research uses a Qualitative approach, this research method includes indirect data from the field and other parties. Secondary data sources are obtained from notes, journals, documentation articles related to ijarah contracts and their updates in the development of Islamic economics in Indonesia. The results concluded that the practice of ijarah in Indonesian Sharia Pawnshop Institution has complied with sharia principles, with important points such as transparency, free from usury, and strong sharia supervision. Technological updates, increased financial literacy, and product diversification are important elements in the renewal of ijarah practices. This research provides a comprehensive understanding in the context of Islamic economic development in Indonesia
Co-Authors Huda, Bahrul Sri Wigati Wahyudi, Septi Andini Islamiyah