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All Journal Jurnal Ekonomi Syariah Pelita Bangsa Khidmah: Jurnal Pengabdian Masyarakat STIT Tanggamus
Eka Nurzanah
Universitas Ma'arif Lampung
Religion Education Languange, Linguistic, Communication & Media Social Sciences Other

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Analisis Kebijakan Restrukturisasi Pembiayaan Akibat Force Majeure Pada BMT Assyafi’iyah Berkah Nasional KC Metro Almanda Dafitri; Haris Santoso; Eka Nurzanah
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 11 No. 01 (2026): JESPB Edisi April 2026
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v11i01.3184

Abstract

This study analyzes the financing restructuring policy at BMT Assyafi’iyah Berkah Nasional KC Metro in response to force majeure events, such as natural disasters and significant business downturns. These conditions can reduce members’ ability to meet their obligations and increase the risk of Non-Performing Financing (NPF). The study aims to assess how the restructuring policy is implemented and how effective it is in assisting affected members. A descriptive qualitative method was used, with data collected through interviews, observation, and documentation. The results show that restructuring is carried out selectively through internal evaluation and board approval, effectively easing members’ burdens, maintaining business continuity, and controlling NPF. Therefore, the institution is advised to strengthen its monitoring and evaluation systems, as well as restructuring guidelines, and to enhance business support for its members. On the other hand, members are expected to understand the applicable procedures, maintain active communication when facing difficulties, and improve financial management so that obligations are met and the partnership can be sustained.
PEMBERDAYAAN EKONOMI KELURAHAN MULYOSARI KECAMATAN METRO BARAT KOTA METRO MELALUI PELATIHAN PEMBUATAN KERAJINAN BERNILAI JUAL DARI LIMBAH SAMPAH : Ekonomi Sirkular, Limbah Plastik, Pemberdayaan Masyarakat, Pelatihan Kerajinan eka Nurzanah; Uswatun Hasanah; Ambariyani
Khidmah: Jurnal Pengabdian Masyarakat Vol 4 No 01 (2026): Khidmah: Jurnal Pengabdian Masyarakat STIT Tanggamus
Publisher : P3M STIT TANGGAMUS

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Permasalahan limbah plastik rumah tangga menjadi isu lingkungan yang berdampak pada kualitas lingkungan dan kesehatan masyarakat. Di sisi lain, keterbatasan keterampilan dan peluang usaha membuat potensi ekonomi dari limbah plastik belum dimanfaatkan secara optimal. Kegiatan pengabdian kepada masyarakat ini bertujuan meningkatkan pemberdayaan ekonomi masyarakat Kelurahan Mulyosari, Kecamatan Metro Barat, Kota Metro melalui pelatihan pembuatan kerajinan bernilai jual dari limbah plastik. Metode yang digunakan adalah Asset-Based Community Development (ABCD) dengan tahapan discovery, dream, design, define, dan destiny. Kegiatan dilaksanakan melalui sosialisasi, pelatihan teknis, praktik langsung, dan pendampingan kepada komunitas Fatayat PAC Metro Barat. Hasil kegiatan menunjukkan peningkatan keterampilan peserta dalam mengolah limbah plastik menjadi produk kerajinan seperti tas, dompet, dan wadah serbaguna yang layak jual. Selain meningkatkan keterampilan, kegiatan ini juga menumbuhkan kesadaran masyarakat tentang pengelolaan limbah berbasis ekonomi sirkular serta membuka peluang usaha baru guna mendukung kemandirian ekonomi masyarakat dan pengurangan limbah lingkungan lokal.
Co-Authors Almanda Dafitri Ambariyani Haris Santoso Uswatun Hasanah