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All Journal Moderasi : Journal of Islamic Studies BISMA: Bimbingan Swadaya Masyarakat
Anwar, M. Syaiful
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Religion Arts Humanities Economics, Econometrics & Finance Social Sciences Other

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Mitigasi Risiko Pembiayaan Mudharabah Studi BMT Assyafiiyah Berkah Nasional Kotagajah Perspektif Veithzal Rivai Tahun 2024 Anwar, M. Syaiful; Farida, Annikamah; Khotamin, Nur Alfi; Rahmawati, Rita
Moderasi : Journal of Islamic Studies Vol. 5 No. 1 (2025): June
Publisher : Lajnah Ta'lif wan Nasyr Nahdlatul Ulama (LTN-NU) Kabupaten Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/moderasi.v5i1.89

Abstract

Risk mitigation in mudharabah financing is a critical measure for Islamic microfinance institutions such as BMT Assyafi’iyah Berkah Nasional Kotagajah to maintain financial stability and reduce the risk of default. Risks such as moral hazard, information asymmetry, and limited member understanding of mudharabah contracts can significantly hinder financing operations. To address these challenges, the institution has implemented strategies including stringent screening of financing applicants by assessing business feasibility and financial history, conducting regular supervision, providing business mentoring, and educating members on the rights and obligations under mudharabah contracts. As a cooperative-based financial institution owned by its members, BMT Assyafi’iyah holds a significant responsibility to manage mudharabah financing in alignment with Islamic principles. The effectiveness of risk mitigation not only affects the operational sustainability of the institution but also the overall welfare of its members. This study aims to analyze the implementation of risk mitigation strategies in mudharabah financing at BMT Assyafi’iyah Berkah Nasional and evaluate their alignment with Veithzal Rivai’s risk mitigation principles. Using a descriptive qualitative approach and a case study method, data were collected through interviews, observations, and internal document analysis to gain a deep and contextual understanding. The findings indicate that although the institution has implemented key mitigation strategies—such as strict selection processes and business assistance—their effectiveness is still hindered by limited human resources, inadequate monitoring technology, and low member literacy regarding Islamic contracts. The study recommends capacity building, enhancement of technology-based monitoring systems, and intensive education for members. These findings provide valuable insights for other Islamic microfinance institutions aiming to improve the sustainability and Sharia compliance of their financing operations.
Production of Eco-friendly Liquid Hand Soap Using Local Products for Community Empowerment Anwar, M. Syaiful; Oktofan, Niko Ilham; Yu, Chen Bao
Bisma : Bimbingan Swadaya Masyarakat Vol. 6 No. 1 (2024): April 2024
Publisher : STAI Miftahul ULa Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59689/bisma.v2i2.453

Abstract

This community service project aimed to empower the Sedati, Sidoarjo community by producing eco-friendly liquid hand soap using local ingredients, specifically "daun sirih" (betel leaves). With the ongoing challenges of the COVID-19 pandemic, the project utilized a service-learning approach to educate local residents on sustainable soap production as part of the new normal. The activities included training on the benefits and production of hand soap from natural, environmentally friendly materials. The project not only contributed to public health efforts but also provided a low-cost, locally sourced alternative to commercial hand sanitizers. The participants, primarily housewives, gained new skills and knowledge in soap production, thereby increasing their awareness of eco-friendly practices and contributing to community resilience.
Empowerment of Cash-for-Work Program in Routine Bridge Maintenance Projects Anwar, M. Syaiful; Adiansyah, Nur
Bisma : Bimbingan Swadaya Masyarakat Vol. 6 No. 1 (2024): April 2024
Publisher : STAI Miftahul ULa Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59689/bisma.v2i2.454

Abstract

This study examines the implementation of the Cash-for-Work (CFW) program in routine bridge maintenance projects along the Surabaya-Gresik-Sadang road section. The primary objective of the program is to provide employment opportunities for individuals affected by the COVID-19 pandemic, particularly unemployed, low-income, and displaced workers. The program aims to contribute to national economic recovery by enhancing the purchasing power of the local community while ensuring the maintenance and improvement of public infrastructure. Through a participatory action research approach, this project engaged the local population in community-driven maintenance work, thus reducing unemployment and promoting sustainable economic development. The findings highlight the program's success in creating local employment, improving infrastructure, and alleviating the economic challenges faced by the community due to the pandemic
Co-Authors Adiansyah, Nur Farida, Annikamah Nur Alfi Khotamin, Nur Alfi Oktofan, Niko Ilham Rita Rahmawati Yu, Chen Bao