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All Journal At-Tawassuth: Jurnal Ekonomi Islam Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Journal of Sharia Economics
Fatikha Rizqya Nur
Institut Agama Islam Negeri Kudus
Economics, Econometrics & Finance

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Analisis Manajemen Risiko Pembiayaan Murabahah dalam Meningkatkan Profitabilitas Perspektif Manajemen Syariah (Studi Kasus BPR Syariah Artha Mas Abadi) Fatikha Rizqya Nur; Tri Septiana Wulandari
AT-TAWASSUTH: Jurnal Ekonomi Islam Jurnal At-Tawassuth | Vol. VII | No. 2 | 2022
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/ajei.v7i2.12396

Abstract

Manajemen risiko ialah sebuah runtutan prosedur yang dilakukan guna melakukan identifikasi, mengukur, memantau serta mengendalikan risiko dari aktivitas operasional yang dijalankan oleh lembaga keuangan syariah. Manajemen risiko pembiayaan murabahah yang diimplementasikan oleh masing-masing bank itu berbeda. Jenis penelitian ini merupakan jenis riset kualitatif, dimana data penelitian diperoleh dari hasil wawancara, observasi dan dokumentasi, kemudian data tersebut akan diolah dan dianalisis secara deskriptif. Penelitian ini memiliki tujuan guna melihat implementasi manajemen risiko oleh BPR Syariah Artha Mas Abadi, khususnya pada pembiayaan murabahah yang dikaitkan dengan tingkat profitabilitas bank dan sisi manajemen syariahnya. Hasil penelitian ini menyimpulkan bahwasannya manajemen risiko pembiayaan murabahah di BPR Syariah Artha Mas Abadi telah terlaksana dengan baik dan sesuai dengan SOP dan regulasi yang telah ditetapkan oleh BPRS. Manajemen risiko yang diimplementasikan terdapat 4 tahapan, yaitu identifikasi risiko, pengukuran risiko, pemantauan risiko dan pengendalian risiko. Guna meminimalisir risiko, bank juga menjalankan analisa 5C yaitu character, capacity, capital, collateral, dan condition of economy pada calon nasabah pembiayaan murabahah. Manajemen risiko yang diiplementasikan juga berdampak pada meningkatnya profitabilitas bank di angka 80%-90%. Selain itu, konsep manajemen risiko yang diimplementasikan juga telah sesuai dengan konsep manajemen syariah seperti mengedepankan keadilan, keterbukaan, kekeluargaan dalam menyelesaikan sengketa dan terhindar dari unsur risywah.
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%.
Faktor-Faktor yang Mempengaruhi Niat Adopsi Mobile Banking Bank Syariah Indonesia di Kabupaten Kudus Fatikha Rizqya Nur; Nor Hadi; Adelina Citradewi
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 2 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v9i2.11129

Abstract

This article describes the results of testing the theory of planned behavior (TPB) which specifically examines the factors influencing intention of adoption of mobile banking. The research was conducted on customers of the Kudus branch of Bank Syari'ah Indonesia (BSI) in 2023. The research data was primary using a survey data collection technique, namely distributing questionnaires to BSI customers using mobile banking. The population is all customers of the BSI holy branch, with a total sample of 168 respondents. The sampling technique used is incident sampling. To analyze the data, the Structure of Equation Model (SEM) is used. The results showed that the hypothesis about the effect of perceived usefulness, perceived ease of use, and spiritual motivation proved to have a significant effect on the intention to adopt mobile banking. While social influence has no significant effect on the intention of adopting mobile banking. Meanwhile, the hypothesis that tests the effect of perceived usefulness, perceived ease of use, spiritual motivation, and adoption intention on the actual use of mobile banking is proven to have a significant effect. While the hypothesis about social influence has no effect on the actual use of mobile banking.
Co-Authors Adelina Citradewi Lisa Aminatul Mukarromah Moh. Agus Sifa' Nor Hadi Tri Septiana Wulandari