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All Journal Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Nusantara Hasana Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Zaenudin Mansyur
Universitas Islam Negeri Mataram
Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Nursing Social Sciences

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Journal : El-Mal: Jurnal Kajian Ekonomi

 1 
Strategi Pengelolaan Modal Kerja dalam Menjaga Tingkat Likuiditas dan Profitabilitas pada BMT- Al Hidayah Kabupaten Lombok Timur Ainul Arofah; Zaenudin Mansyur; Zulpawati
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 4 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i4.1925

Abstract

The background of this research is the determination of working capital in relation between the liquidity trade off and profitability, the capital determination which is not appropriate will have an impact on the liquidity level causing BMT being unproductive, and it also impacts on profitability. This research aimed to determine the working capital management strategy in maintaining liquidity and profitability levels and how the impact of the strategy which has been implemented.This research was descriptive qualitative research using primary and secondary data, with data collection techniques namely observation, interviews and documentation of the financial reports from 2019 to 2021. The analysis used was data reduction, data presentation, drawing conclusions, and financial report analysis used the calculation of liquidity and profitability ratios. The results of the research showed that the working capital management strategy and policy used by BMT AI-Hidayah in maintaining the level of liquidity, namely establishing partnerships with sharia banks and non-banks, setting cash budgets, and allocating the funds to branch offices, while the policy used by BMT in maintaining its profitability level was distribution in the funding form. The impact of the policy implemented by BMT in terms of liquidity, namely having sufficient funds in its operations to pay the obligations. It can be seen in the ratio calculation from 2019 to 2021. NWC, current ratio, cash ratio are in a fairly good category. the impact on the profitability side was that BMT has increased revenue and this can be seen in the ROE calcultion which is in the very good category, while the ROI calcultion is in the fairly good category.
Peran Dewan Pengawas Syariah Terhadap Perkembangan Bisnis Koperasi Syariah di SMA Negeri 4 Praya Kabupaten Lombok Tengah Tahun 2021/2022 Muhamad Zaini; Zaenudin Mansyur; Baiq Ratna Mulhimmah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 5 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i5.2206

Abstract

The Sharia Cooperative at State Senior High School 4 Praya has recorded remarkable profit increases for three consecutive years. In 2020, they achieved a profit of IDR 90,045,658, which then saw rapid growth in 2021, reaching IDR 109,491,289, marking a growth of IDR 19,445,631. Not stopping there, the year 2022 was an even more impressive achievement with profits reaching IDR 164,032,600, indicating strong performance and the ability to maintain significant growth momentum. This study indicates that the factors influencing the business development of the Sharia Cooperative at State Senior High School 4 Praya include: a) Member Participation, b) Management Professionalism, c) External Factors. In the context of the cooperative's success at State Senior High School 4 Praya, it is heavily influenced by the complex interaction between member participation, management professionalism, and external factors. The role of the Sharia Supervisory Board in enhancing the business development of the Sharia Cooperative at State Senior High School 4 Praya includes: a) Supervisor, b) Advisor, c) Marketer, d) Supporter, e) Player. In the context of supervision and control, the Sharia Supervisory Board not only monitors but also provides guidance and support to ensure that the Sharia Cooperative can achieve its goals by adhering to Sharia principles, enhancing business development, and providing benefits to its members. The success of the Sharia Supervisory Board in its roles significantly contributes to the growth and sustainability of the Sharia Cooperative at State Senior High School 4 Praya.
Co-Authors Ainul Arofah Baiq Ratna Mulhimmah Imamuddin Imamuddin Muhamad Zaini Musawar Musawar Zulpawati