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All Journal Journal of Sharia Economics Journal of Islamic Banking
Moh. Agus Sifa'
Institut Agama Islam Al Hikmah Tuban
Economics, Econometrics & Finance

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Journal : Journal of Sharia Economics

 1 
Analysis of Murabahah Risk Management for Profitability Enhancement from a Sharia Management Perspective (Case Study of BPR Syariah Artha Mas Abadi) Fatikha Rizqya Nur; Lisa Aminatul Mukaromah; Moh. Agus Sifa'; Tri Septiana Wulandari
Journal of Sharia Economics Vol 4 No 2 (2022): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v4i2.438

Abstract

Risk management is a series of measures implemented by Islamic financial organizations to identify, quantify, monitor, and control operational risks. Each bank has a distinct risk management strategy for murabahah funding. This is a sort of qualitative study that employs descriptive data processing. This research intends to investigate the application of risk management by BPR Syariah Artha Mas Abadi, particularly in murabahah financing, which is related to the bank's profitability level and sharia management. The findings of this study indicate that the risk management of murabahah finance at BPR Syariah Artha Mas Abadi, which consists of four steps including identification, measurement, monitoring, and risk control, has been effectively implemented. In order to limit risk, the bank also conducts a 5C study on prospective murabahah financing clients, evaluating their character, capacity, capital, collateral, and economic situation. In accordance with sharia management principles such as fostering justice, openness, kinfolk, and eliminating the element of risywah, implemented risk management also has an influence on raising bank profitability by 80% to 90%.
The Effect of Promotion and Service on Custumer interest in Ba’i Bitsaman Ajil (BBA) at KSPPS BMT Artha Sejahtera Senori Eva Fahma Diafil Jilan; Moh. Agus Sifa'; Moch Zaenal Azis Muchtarom
Journal of Sharia Economics Vol 4 No 2 (2022): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v4i2.443

Abstract

The purpose of this study was to determine the effect of promotion and service both partially and simultaneously on the interest of Bai' Bitsaman Ajil (BBA) customers at KSPPS BMT Artha Sejahtera Senori Tuban. In answering these problems, the researchers used a quantitative approach. The population in this study were customers of Bai' Bitsaman Ajil (BBA) KSPPS BMT Artha Sejahtera Senori Tuban. The method of data collection in this study was by distributing questionnaires to 62 BBA product customers. The technique used is purpose sampling, analyzed using Validity Test, Reliability Test, Classical Assumption Test, Calculated F Test, and Partial t Test. The results of this study indicate that the promotion has a partial and significant effect on the interest of BBA customers, as evidenced by the value of t count (2.609) > t table (1.669) with a significance value of 0.011 < 0.05. The service has a partial and significant influence on the interest of BBA customers, as evidenced by the value of t count (3.002) > t table (1.669) with a significance value of 0.004 <0.05. And simultaneously promotion and service have a significant influence on customer interest, as evidenced by the F test, namely F count (21.089) > F table (3.15) with a significance value of 0.00 < 0.05.
Co-Authors Agus Wahyu Irawan Chusnu Fahruddin Eva Fahma Diafil Jilan Fatikha Rizqya Nur Heri Kuncoro Putro Lisa Aminatul Mukarromah Moch Zaenal Azis Muchtarom Moch Zaenal Azis Muctharom Tri Septiana Wulandari