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All Journal Enrichment : Journal of Management
Segaf Segaf
UIN Maulana Malik Ibrahim, Indonesia
Economics, Econometrics & Finance

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Journal : Enrichment : Journal of Management

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Risk management strategy for the problem of borrowing money for Islamic commercial banks M. Rif'an Syadali; Segaf Segaf; Parmujianto Parmujianto
Enrichment : Journal of Management Vol. 13 No. 2 (2023): June: Management Science And Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v13i2.1392

Abstract

Despite the fact that Islamic banking has developed significantly over the years, corporate and financial institution risks cannot be separated. There is always a risk when Islamic banks act as financial intermediaries for Indonesian companies. Risk management helps you measure and mitigate risks and find solutions to problems. Bank Syariah Indonesia shows good progress in implementing risk management. The implementation of risk management is generally categorized into eight areas: credit risk, liquidity risk, market risk, operational risk, legal risk, compliance risk, reputation risk and strategic risk. A good implementation of risk management looks like this: Internal control processes and risk management processes must be checked during risk management. Therefore banks need to identify and manage risk management which is part of any banking system. Islamic banks are always faced with risks associated with various and complex transactions.
Case study at KSPPS BMT UGT nusantara Indonesia an analysis of using mobile applications to increase fee-based income Muchamad Iqbal Fatah; Nur Asnawi; Segaf Segaf; Parmujianto Parmujianto
Enrichment : Journal of Management Vol. 13 No. 2 (2023): June: Management Science And Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v13i2.1428

Abstract

Cooperative members with businesses such as street vendors, primary food traders, and other merchants can be empowered to offer PPOB payment services owned by cooperatives. The kind of examination utilized in this study is a subjective technique. According to the findings of the research that has been conducted, a number of factors influence members to use the UGT Mobile application. These factors include the fact that it is simpler to use than mobile banking in several banks, that it is safer because it is simple to communicate and handle complaints, and that members feel ownership because they are also cooperative owners. Based on the result, BMT UGT individuals are not exactly ideal in utilizing the Mobile UGT application because of the absence of information about the UGT Portable application. Then, BMT UGT's fee-based income growth is below par as a result of Mobile UGT's lack of maximum exposure to BMT UGT members and an uneven distribution of employee knowledge regarding the application's benefits. Thus, this study provides valuable insights into the use of mobile applications to increase fee-based income in microfinance institutions.
Co-Authors M. Rif'an Syadali Muchamad Iqbal Fatah Nur Asnawi Parmujianto Parmujianto Parmujianto Parmujianto