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All Journal Jurnal Pengabdian Magister Pendidikan IPA Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Ulfatul Islamiyah
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Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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Implementasi Manajemen Risiko Pembiayaan Syariah dalam Upaya Menjaga Likuiditas Koperasi Syariah di BMT Maslahah Cabang Sukorejo Kabupaten Pasuruan Ulfatul Islamiyah; Abdillah Mundir; Alimatul Farida
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 4 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i4.7433

Abstract

This study discusses the implementation of Islamic financing risk management in maintaining the liquidity of Islamic cooperatives at BMT Maslahah Sukorejo Branch Pasuruan Regency. Risk management is a crucial aspect of the operational activities of Islamic cooperatives to ensure business continuity and minimize problematic financing risks that could disrupt liquidity stability. This study employs a qualitative descriptive method, with data collected through interviews, observations, and documentation. Data analysis is conducted using data reduction, data presentation, and conclusion drawing. The findings indicate that BMT Maslahah implement risk management through identification, measurement, monitoring, and risk control stages. The main strategies involve appliying the 5C principles (Character, Capacity, Capital, Condition, and Collateral) in financing analysis, strict supervision by Account Officer (AO) and Recovery Officer (RO), as well as restructuring policies for customers facing payment diffficulties. The effectiveness of risk management implementation at BMT Maslahah Sukorejo Branch is reflected in the controlled Non-Performing Financing (NPF) rate, maintained liquidity stability, and increased efficiency in financing management. However, challenges remain, such as limited resources for customer assistance, external economic conditions, and the need for innovation in risk mitigation strategies. Therefore, strengthening policies and adopting a more adaptive approach are necessary for the cooperative to continue sustainable growth in accordance with Islamic principles.
Program Pengabdian Masyarakat: Metode Pembenah Tanah melalui Kombinasi Biochar Abu Sekam dan Bakteri Bacillus sp. di Lahan Sawah Poktan Karya Tani Desa Kertosari Maharani, Marcellia; Pratama, Sandy Yoga; Ardian Isa Fahrezi; Fajriansyah Aulia Firdaus; Afhinka Faza Naulia; Andini Dwi Fitriana; Ulfatul Islamiyah; Isna Khilbasa Mas’ula; Vivi Fitriani; Della Puspita; Adelia Putri Karinda
Jurnal Pengabdian Magister Pendidikan IPA Vol 8 No 4 (2025): Oktober-Desember 2025
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jpmpi.v8i4.13525

Abstract

Kertosari Village, Pakusari District, Jember Regency is one of the regions with relatively high rice productivity. One of the farmer groups in the village is Poktan Karya Tani who manages rice fields while also running a side business in the form of the brick industry. Community service activities aim to:increase the capacity of farmers to utilize local waste, a useful product in the form of a biofertilizer combined with biochar such as husk and bacillus sp. Community service consists of a series activities including outreach, training in making biochar, and application biochar. Socialization activities can increase farmers' knowledge regarding the importance of using biological fertilizers in combination with husk ash biochar. Based on the results of the comparison of pretest scores and posttest, there was an increase in farmers' understanding with an average of around 60% - 90%. increased to 100% after socialization was carried out. Potassium levels increased after applying a biological fertilizer combination of husk ash biochar and bacillus sp. Soil potassium levels reached 3.13 me/100g and continued to increase higher after 4 weeks, reaching 6.10 me/100g in the very high category. Fe levels in the soil also decreased from 1.3 ppm to 0.5 ppm.
Co-Authors Abdillah Mundir Adelia Putri Karinda Afhinka Faza Naulia Alimatul Farida Andini Dwi Fitriana Ardian Isa Fahrezi Della Puspita Fajriansyah Aulia Firdaus Isna Khilbasa Mas’ula Maharani, Marcellia Pratama, Sandy Yoga Vivi Fitriani