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All Journal ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar AT TARIIZ : Jurnal Ekonomi dan Bisnis Islam
Hidayatullah, Chindy
Unknown Affiliation
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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ANALISIS PENGELOLAAN DAN UPAYA PENYELESAIAN KREDIT MACET PADA PT. BPR LPN SUNGAI RUMBAI PERIODE TAHUN 2024 Hidayatullah, Chindy; Ermawati , Eka; Wiska, Mayroza
AT TARIIZ : Jurnal Ekonomi dan Bisnis Islam Vol 4 No 03 (2025): AT TARIIZ : JURNAL EKONOMI DAN BISNIS ISLAM
Publisher : Pusat Studi Ekonomi, Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/attariiz.v4i03.1734

Abstract

Based on research aimed at analyzing the management and resolution of non-performing loans at PT. BPR LPN Sungai Rumbai during 2024, it can be concluded that non-performing loans are indeed a serious challenge because they can disrupt the bank's financial stability and reduce customer confidence. Using qualitative descriptive methods and a case study approach, data was collected through observation, interviews, and documentation. The results of the study show that the non-performing loan rate reached 10%, double the OJK maximum limit of 5%. To deal with this, BPR implemented various strategies such as creditworthiness evaluation, active collection, credit restructuring, and collateral seizure, which were applied in about 50% of cases. The main factor causing non-performing loans was the debtor's inability to meet their obligations due to a decline in income. In conclusion, the credit restructuring policy is the most effective solution because it adjusts to the debtor's financial condition. The findings of this study have been validated through data triangulation, ensuring the reliability and accuracy of the results. In addition, the implementation of adaptive restructuring oriented towards the debtor's economic recovery has proven to be able to significantly reduce the risk of non-performing loans in the long term.
Analisis Pengelolaan Dana Zakat di BAZNAS Kota Bukittinggi Hidayatullah, Chindy; Widianita, Rika
ARZUSIN Vol 6 No 5 (2026): ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/arzusin.v6i5.11036

Abstract

Zakat fund management is an important instrument in promoting community welfare through the economic empowerment of the ummah. Although zakat governance has been widely studied, research that specifically analyzes the processes of collecting, distributing, and the constraints in managing zakat funds at the National Zakat Agency (BAZNAS) of Bukittinggi City remains limited. This study aims to analyze zakat fund management at BAZNAS of Bukittinggi City and identify the constraints encountered in its implementation. This study employed a qualitative approach with a case study design, involving the leaders and administrators of BAZNAS of Bukittinggi City as well as several beneficiaries or mustahik selected through purposive sampling. Data were collected through in-depth interviews, observation, and documentation, and were then analyzed using the interactive analysis model of Miles, Huberman, and Saldaña, which includes data reduction, data display, and conclusion drawing. The results show that zakat fund management has been implemented through collection and distribution mechanisms that are in accordance with the provisions of Islamic law and the principles of organizational management. However, the optimization of zakat management still faces constraints in the form of low community participation outside the State Civil Apparatus (ASN), the suboptimal use of digital technology, and the dominance of consumptive distribution programs. These findings strengthen the application of George R. Terry’s management theory and the principles of good governance in the management of zakat institutions. The conclusion of this study emphasizes the importance of improving collection strategies, management transparency, service digitalization, and the development of productive zakat programs to increase the effectiveness of zakat management. The implications of the study include theoretical contributions to the development of zakat management studies and practical implications for BAZNAS in strengthening zakat governance that is more transparent, adaptive, and oriented toward the economic empowerment of mustahik.
Co-Authors Ermawati , Eka Rika Widianita Wiska, Mayroza