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Lisnawati
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Journal : Jurnal Manajemen, Ekonomi, Keuangan dan Akuntansi

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Manajemen Resiko Pembiayan Mudharabah Pada Bank Syariah (Studi Kasus Pada Bank Muamalat Indonesia Cabang Banda Aceh) Lisnawati Lisnawati
Jurnal Manajemen, Ekonomi, Keuangan dan Akuntansi Vol. 1 No. 2 (2020): Januari 2020
Publisher : Politeknik Kutaraja

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Abstract

The purpose of this research was to determine the risk management of mudharabah financng in islamic banking with case study in Bank Muamalat Indonesia cabang Banda Aceh. This analysis is based on consept of mudharabah financing have higher risk than other financing, because there are loss profit sharing consept in islamic banking therefore islamic banking have special management to distribution this financing. The method of the research is using a qualitative approach with field research and case study strategy. The data collection is conducted direcly in Bank Muamalat Indonesia cabang Banda Aceh through interview with marketing manager and account manager of Bank Muamalat Indonesia cabang Banda Aceh. The results of the research showed that to avoid risk of mudharabah financing, Bank Muamalat Indonesia cabang Banda Aceh apply combination contract that is mudharabah wal murabahah contract. Mudharabah financing channeled to cooperative business because more lower risk. There are still obstacles to distribute mudharabah financing to other business
ANALISIS PEMBIAYAAN MUSYARAKAH PADA PENDAPATAN USAHA KECIL SEBELUM DAN SESUDAH PEMBIAYAAN MUSYARAKAH DI PT BPRS HIKMAH WAKILAH (KANTOR PUSAT) Azlina; Mirnawati; Lisnawati; Khairita H
Jurnal Manajemen, Ekonomi, Keuangan dan Akuntansi Vol. 4 No. 1 (2023): Mei 2023
Publisher : Politeknik Kutaraja

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Abstract

This research aims to determine the influence of Musyarakah financing on the increase of income for small businesses at PT BPRS Hikmah Wakilah Kantor Pusat. The data collection technique was conducted by gathering secondary data in the form of documents containing customer income from Musyarakah financing before and after the financing was provided. Out of a population of 391, the sample size was determined using the Slovin formula, resulting in 98 samples, and the sample was drawn using the simple random sampling technique. Data analysis techniques were carried out through descriptive statistics, normality tests, and hypothesis tests using SPSS 26.0. From the descriptive statistical results, it was found that the average income after financing was higher than before financing. The normality test using the Kolmogorov-Smirnov test showed that the data was not normally distributed, leading to the use of the nonparametric Wilcoxon Sign rank test for data comparison. The results of the Wilcoxon Sign rank test, an Asymp. A Sig (2-tailed) value of 0.000 was obtained, which is less than the critical limit of the research at 0.05. Thus, the research accepts the alternative hypothesis (Ha) and rejectsthe null hypothesis (Ho), indicating that there is a significant difference in income between before and after financing, and all samples experienced an increase in income after the financing or had a positive value.
Co-Authors Azlina Khairita H MIRNAWATI Mirnawati Mirnawati Rizaldy Khair