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All Journal Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Innovative: Journal Of Social Science Research
Aulya, Nur
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Religion Humanities Computer Science & IT Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Penanganan Pembiayaan Murabahah Bermasalah BMT Barokah Salaman Aulya, Nur; Yeny Fitriyani; M. Pudail
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 11 No. 2 (2025): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v11i2.4023

Abstract

This study reviews the causes and handling of problematic murabahah financing at BMT Barokah Salaman, including terminating financing as a last resort. The research method used is qualitative, with case studies through in-depth interviews, observation, and documentation. The research findings indicate that external factors, such as a decline in business income, and internal factors, such as weak feasibility analysis and inadequate financial education, are the causes of problematic financing. In terminating murabahah financing, this strategy is the last resort when members consistently fail to meet their obligations and peaceful approaches are no longer effective. The termination process includes evaluation, sending warning letters, final settlement meetings with members and their families, enforcing collateral, terminating financing relationships, recording them in an internal blocklist, and transparent documentation and reporting. This strategy is implemented by upholding the principles of fairness, careful consideration, and protecting all parties without causing injustice. This study emphasizes the importance of strong and humane risk management in maintaining the sustainability of Sharia microfinance institutions.
Peran Pendidikan dalam Membentuk Karakter Mahasiswa Rasyid, A. Ramli; Amanda, Dias; Aulya, Nur; Aswandi, Aswandi; Anugrah, Adipar
Innovative: Journal Of Social Science Research Vol. 4 No. 3 (2024): Innovative: Journal Of Social Science Research (Special Issue)
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i3.10500

Abstract

Penelitian ini bertujuan untuk mengeksplorasi peran pendidikan karakter dalam membentuk karakter mahasiswa di Indonesia, dengan fokus pada pengembangan keterampilan berpikir kritis dan penerapan nilai-nilai karakter. Metode penelitian yang digunakan adalah studi literatur yang mencakup teori-teori terkait dengan pendidikan karakter dan keterampilan berpikir kritis. Hasil penelitian menunjukkan bahwa pendidikan karakter berperan penting dalam meningkatkan kemampuan berpikir generasi muda, serta mendorong mereka untuk berkontribusi positif dalam masyarakat. Implikasi dari penelitian ini adalah perlunya penerapan pendekatan kontekstual dalam pembelajaran untuk membantu mahasiswa mengaitkan teori dengan praktik dalam kehidupan nyata. Kesimpulannya, pendidikan karakter merupakan aspek krusial dalam pendidikan tinggi yang tidak boleh diabaikan, karena dapat membentuk individu yang tidak hanya cerdas secara akademis, tetapi juga memiliki moral dan nilai positif.
Co-Authors Amanda, Dias Anugrah, Adipar Aswandi Aswandi, Aswandi M. Pudail Rasyid, A. Ramli Yeny Fitriyani