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Journal : Cross-Border Journal of Business Management

Microfinance Risk Management at Bank Kalbar Syariah, Sambas Branch Ahmad Yasir
Cross-Border Journal of Business Management Vol. 1 No. 1 (2021): Cross-Border Journal of Business Management
Publisher : Institut Agama Islam Sultan Muhammaad Syafiuddin Sambas

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Abstract

This research was conducted to see whether the implementation of risk management at Bank Kalbar Syariah Sambas Branch is in accordance with the regulations with PBI No. 23/13 / PBI / 2011, because they still experience problematic financing for customers who are unable to fulfill their obligations to the bank in a timely manner. The approach and type in this research is a qualitative approach with descriptive character. This type of research is field research (field research). Researchers analyzed how the application of micro financing risk management, types of risks faced by microfinance and inhibiting and supporting factors in resolving micro-financing risks at Bank Kalbar Syariah, Sambas Branch in minimizing risk. The results showed that, the bank has implemented financing risk management in accordance with PBI No. 23/13 / PBI / 2011, the bank implements two risk management processes, namely before risk and after risk. Where the types of risk often faced by the Sambas Branch of the Kalbar Syariah bank are credit risk, market risk, and operational risk. In the settlement of micro-financing risks at Bank Kalbar Syariah, Sambas Branch is to cooperate with the insurer and insure collateral or guarantees from customers to the insurance company
KONTRIBUSI PT. BCP (BULUH CAWANG PLANTATION) DALAM MENINGKATKAN KESEJAHTERAAN MASYARAKAT PERSPEKTIF EKONOMI ISLAM DI DESA MENTIBAR KECAMATAN PALOH fitri fitri; wahab; Ahmad Yasir
Cross-Border Journal of Business Management Vol. 3 No. 2 (2023): Cross-Border Journal of Business Management
Publisher : Institut Agama Islam Sultan Muhammaad Syafiuddin Sambas

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Abstract

This study uses a descriptive qualitative approach with a sample of 20 Mentibar Village residents, Village Leaders and Heads, and is a type of field research. Data collection techniques used are observation, interviews and documentation. The data used in the form of primary data are people who work at PT. BCP (Buluh Cawang Plantation), Leaders and Head of Mentibar Village, Secondary data obtained from various journals, articles, theses and other sources. The data analysis technique used is data reduction, data display and conclusion drawing. Data validity techniques used are triangulation and Member Check. The results of the research and discussion that have been carried out are related to the contribution of PT. BCP (Buluh Cawang Plantation) in improving the welfare of the community from an Islamic economic perspective in Mentibar Village, Paloh District, the following conclusions can be drawn: The contribution made by PT. BCP (Buluh Cawang Plantation) is very good. The form of contribution given by PT. BCP (Buluh Cawang Plantation) physical assistance and natural disaster assistance. Meanwhile, the Islamic Economics Review of the contributions made by PT. BCP (Buluh Cawang Plantation) for the community, there are several parts that have been contributed, such as Nurturing the Soul and Nurturing. Meanwhile, improving the welfare of society is in accordance with an Islamic economic perspective because it has achieved the goals of Islamic economics, namely realizing human goals to achieve world happiness and prosperity.