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All Journal Journal of Finance, Economics, and Business Jurnal Publikasi Ekonomi dan Akuntansi
Imtiyaz, Nakhwah Bahirotul
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Reconstruction of Sharia Economic System in Indonesia in Sharia Banking Wulandari, Elsa Dwi; Arishandy, Mulya Andana; Imtiyaz, Nakhwah Bahirotul
Journal of Finance, Economics and Business Vol. 3 No. 1 (2024): JFEB, May 2024
Publisher : Laboratorium Riset Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59827/jfeb.v3i1.121

Abstract

This article discusses the reconstruction of the Islamic economic system in Indonesia, particularly in the sector of Islamic banking. The Indonesian government has taken significant steps to support the development of Islamic banking, ranging from the phase of Islamic value freedom to specific regulations. Despite its rapid growth, Islamic banking still faces challenges, especially in the implementation of murabahah financing contracts. The article also highlights government policies aimed at enhancing the role of Islamic banking and adapting to economic and technological changes. The strategic transformation of Islamic banking into the digital realm is considered essential to meet customer needs with a focus on satisfaction. The implementation of policies, including credit relaxation for Small and Medium Enterprises (SMEs), is part of the government's efforts to support the economy through Islamic banking. The development roadmap for 2020-2025 emphasizes the creation of an efficient and contributive Islamic banking system to the national economy. This article provides a comprehensive overview of the restructuring of Islamic banking in Indonesia through a literature research approach, emphasizing the government's role, addressing challenges, stimulating digital innovation, and implementing policies for the sustainable development of Islamic banking
Rescheduling Pembiayaan Bermasalah Di KSPPS BMT Mandiri Sejahtera Cabang Dukun Imtiyaz, Nakhwah Bahirotul; Arifin, Sirajul
Jurnal Publikasi Ekonomi dan Akuntansi Vol. 6 No. 2 (2026): Mei : Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/jupea.v6i2.5936

Abstract

This study aims to analyze the implementation of rescheduling in handling problematic financing at KSPPS BMT Mandiri Sejahtera Dukun Branch. The research employed a qualitative method with a descriptive approach to gain an in-depth understanding of the strategies used by the institution to overcome financing problems. Data were collected through interviews with the Branch Manager and Account Officer, as well as through an analysis of financing collectability data from March 2024 to March 2025. Supporting data were also obtained through documentation and observation related to the financing management process within the institution. The results indicate that the main causes of problematic financing originate from weaknesses in the initial survey and analysis process of prospective members, as well as external factors such as crop failure and declining business activities of members. To address these issues, KSPPS BMT Mandiri Sejahtera Dukun Branch implements several strategies, including routine monitoring of financing members, intensive communication, and the application of rescheduling policies as the main instrument in financing restructuring. The implementation of rescheduling has proven to be effective and remains in accordance with Islamic financial principles. Based on financing collectability data, the quality of financing is relatively well maintained, with the Non-Performing Financing (NPF) ratio remaining below 5% in accordance with the standards set by financial authorities. Therefore, the implementation of rescheduling plays an important role in reducing problematic financing while maintaining the stability and sustainability of Islamic financial institutions.
Co-Authors Arishandy, Mulya Andana Sirajul Arifin Wulandari, Elsa Dwi