ICO EDUSHA
Vol. 6 No. 1 (2025): Proceedings of International Conference On Islam Educationm Management and Shar

Management Strategy for Non-Performing Financing (NPF) at BMT Nusantara Sempu Sub-Branch: The Perspective of Maqasid Syariah

Musthofa, Ahmad Bagir (Unknown)
Lely Ana Ferawati Ekaningsih (Unknown)



Article Info

Publish Date
11 Jan 2026

Abstract

This study aims to analyze risk management strategies for non-performing financing (NPF) at BMT Nusantara Capem Sempu from a maqasid syariah perspective. Employing a qualitative case study approach, data were collected through in-depth interviews and direct observation, and analyzed using SWOT analysis. The findings indicate that NPF arises from internal factors (weaknesses in feasibility analysis and post-disbursement monitoring) and external factors (economic instability among clients in the agricultural and trade sectors). Implemented strategies include preventive measures (strict feasibility analysis, prudential principles, and customer education) and curative actions (financing restructuring, persuasive collection, and collateral execution as a last resort). A key finding is that managerial decisions integrate financial, social, and religious values within the maqasid syariah framework. This integrated approach has proven effective in reducing NPF, enhancing member trust, and ensuring operational sustainability.

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Journal Info

Abbrev

prd

Publisher

Subject

Religion Humanities Economics, Econometrics & Finance Education Social Sciences Other

Description

Proceedings of Annual Conference for Education Management and Sharia Economics The journal publishes articles of interest to education practitioners, teachers, education policy makers, and researchers. This journal encompasses research articles, original research report, reviews in Islamic education ...