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All Journal Al-Kharaj: Journal of Islamic Economic and Business
Ahmad Mukhlishin
Universitas Ma'arif Lampung, Indonesia
Economics, Econometrics & Finance

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Credit Risk Management Analysis at PNM Mekar, Bumiratu Nuban District, Lampung Regency Ainun Farichah; Finny Ligery; Ahmad Mukhlishin
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): SettingsVol. 8 No. 1 (2026): All articles in this issue include authors from 3
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10051

Abstract

This study aims to analyze the credit risk management strategies implemented by PNM Mekaar in Bumi Ratu Nuban District, Central Lampung Regency, and to examine their relevance to Islamic economic values. The background of this research stems from the high risk of non-performing loans (NPL) in microfinance institutions, which can potentially disrupt institutional stability and the sustainability of community empowerment programs. The study employs a descriptive qualitative approach, with data collected through in-depth interviews with management, field staff, and clients, supported by observation and documentation. The findings indicate that credit risk management strategies at PNM Mekaar are carried out through a group responsibility system, weekly monitoring, business mentoring, and credit restructuring for clients experiencing financial difficulties. These strategies are relatively effective in reducing non-performing loans, although challenges remain, including low financial literacy, limited field facilitators, and external economic factors. From the perspective of Islamic economics, these practices align with the concepts of dhaman jama’i (collective guarantee), hisbah (social oversight), al-amanah (trustworthiness), and the principle of leniency for debtors as prescribed in the Qur’an. The study concludes that credit risk management at PNM Mekaar not only serves to maintain institutional soundness but also reflects the values of justice, solidarity, and the objectives of maqashid sharia in protecting wealth (hifdz al-mal) and enhancing community welfare. These findings are expected to provide practical contributions for PNM Mekaar in strengthening risk mitigation strategies and academic contributions to the literature on credit risk management in microfinance institutions from an Islamic perspective
Analysis Of Shariah Economic Value Implementation And Its Implications On The Local Economy Study Of Bumdes In Gedung Harapan Village, Penawar Aji, Tulang Bawang Muhammad Rizqi Muzakki; Didik Kusno Aji Nugroho; Ahmad Mukhlishin; Subandi
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): SettingsVol. 8 No. 1 (2026): All articles in this issue include authors from 3
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10053

Abstract

This research is motivated by the transformation of BUMDes Mekar Gemilang which revitalized its governance by integrating sharia values after experiencing failure in its savings and loan unit. This study aims to analyze the implementation of sharia values in the aspects of institutional governance, financing, business activities, and profit distribution at BUMDes Mekar Gemilang, as well as its implications for the local economy in Gedung Harapan Village, Penawar Aji District, Tulang Bawang Regency. This research employs a qualitative method with a descriptive approach. Data collection techniques were carried out through in-depth interviews, observation, and documentation. To ensure data validity, this study used source triangulation and technique triangulation. Data analysis was conducted through data reduction, data display, and conclusion drawing. The results show that: first, the implementation of sharia economic values at BUMDes Mekar Gemilang is comprehensively applied in the institutional aspect through the principles of trust (amanah) and deliberation (syura), in the financing aspect through a riba-free system with prudent capital management, in the business activity aspect through catfish farming that meets the halalan thayyiban principle, and in the profit distribution aspect through justice ('adl) by implementing an agreed profit-sharing system and a 5% social program for the poor. Second, the implementation of these sharia values has positive implications for the local economy, namely increasing community income through opportunities to buy and sell fresh fish, as well as absorbing part-time workers from economically disadvantaged groups through an inclusive rotating harvest system. This study concludes that the consistent application of sharia values in BUMDes management can create transparent, accountable, and socially just governance while making a real contribution to improving the economic welfare of the people of Gedung Harapan Village.
A Maqashid Shariah Review of the Fish Feed Debt Practice at CV Surya Pelangi, East Lampung Rohmad Hidayatulloh; Finny Ligery; Ahmad Mukhlishin
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 2 (2026): SettingsVol. 8 No. 1 (2026): All articles in this issue include authors from 3
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i2.10088

Abstract

This study aims to analyze the practice of fish feed debt transactions carried out by CV Surya Pelangi in East Lampung from the perspective of Maqashid Sharia. The debt system implemented by the company allows farmers to obtain feed on credit and make payments after harvest; however, the harvest must be sold back to the company at a price determined unilaterally. This condition is presumed to create an imbalance in economic relations and weaken the farmers’ bargaining position. This research uses a qualitative method with a case study approach. Data were collected through interviews, observations, and documentation, then analyzed descriptively through data reduction, data presentation, and conclusion drawing. The results of this study indicate that the practice of fish feed debt transactions at CV Surya Pelangi is carried out in a simple, flexible, and trust-based manner, without interest or collateral, using oral agreements supported by transparent administrative records. From the perspective of maqashid shari’ah, this practice reflects the principles of hifzh al-din, hifzh al-nafs, hifzh al-‘aql, hifzh al-nasl, and hifzh al-mal through fairness, transparency, and protection from usury and exploitation, although there are still weaknesses in the formal contract aspect and potential psychological pressure. The impacts are multidimensional, including improving access to capital and business sustainability, as well as strengthening social relationships, but also potentially creating economic vulnerability, thus requiring further refinement to optimize farmers’ welfare. This study concludes that the practice of fish feed debt at CV Surya Pelangi is conducted in a simple, flexible, and trust-based manner, with oral agreements and transparent record-keeping, without interest, penalties, or collateral. In general, this practice is in line with maqashid shari’ah principles as it is free from riba, gharar, and fraud, and has a positive impact on business sustainability and farmers’ social relationships. However, improvements are still needed, particularly in formalizing contracts to enhance legal certainty
Co-Authors Ainun Farichah Didik Kusno Aji Nugroho Finny Ligery Muhammad Rizqi Muzakki Rohmad Hidayatulloh Subandi