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All Journal SEIKO : Journal of Management & Business Innovative: Journal Of Social Science Research
Sutantri Sutantri
Universitas Islam Tribakti (UIT) LIrboyo Kediri
Humanities Computer Science & IT Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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The Effect of KPRS Akad Selection on the Profitability of Bank Jatim Syari'ah Kediri Branch Sutantri Sutantri; Iva Khoiril Mala; Selah Nurul Ma'rifah
SEIKO : Journal of Management & Business Vol 6, No 2 (2023): July - December
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v6i2.5021

Abstract

One of the most productive financing products is KPR Syari'ah. The KPRS application at BJS Kediri uses two contracts, namely Murabahah and Musyarakah Mutanaqishah (MMQ). The difference in contracts causes different performance results for KPRS, especially in terms of profitability. Then, which contract has the potential to be more profitable for BJS Kediri? This research is a descriptive quantitative research. The sample is 28 from the performance and financial statements for the period 2016–2022. Data collection using documentation, observation and interview techniques. The data processing and analysis techniques used are the Coefficient of Determination Test and Moderated Regression Analysis (MRA) with the help of SPSS 29.0 Software for Window. The results showed that the contract that affects the profitability of BJS is MMQ, while the Murabahah contract. Then, NPF only moderated the effect of Murabahah on BJS Profitability and not on MMQ. Researchers concluded that the KPRS contract that is more profitable for BJS is MMQ, but it still requires more attention in several aspects such as promotion and recording system.
Pengembangan Model Bisnis Inklusif Berbasis Digital Untuk Pemberdayaan Ekonomi Masyarakat Melalui Baitul Maal Wal Tamwil (BMT) Hasan Cahyono; Sutantri Sutantri; Iva Khoiril Mala
Innovative: Journal Of Social Science Research Vol. 4 No. 1 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i1.7573

Abstract

Adanya urgensi pengembangan model bisnis inklusif berbasis digital dalam konteks pemberdayaan ekonomi melalui Baitul Maal Wal Tamwil (BMT) untuk mengatasi tantangan akses finansial dan kurangnya pemahaman akan peluang bisnis di kalangan masyarakat. Tujuan penelitian adalah mengidentifikasi dan mengembangkan model bisnis yang dapat meningkatkan aksesibilitas, menyederhanakan proses bisnis, dan mendukung keberlanjutan ekonomi inklusif melalui integrasi BMT dengan teknologi digital. Metode penelitian ini menggunakan pendekatan kualitatif dengan fokus interpretif terhadap Baitul Maal Wal Tamwil (BMT) dan masyarakat dengan mensintesis informasi dari literatur dan observasi untuk menjawab tujuan penelitian. Penelitian mengenai pengembangan model bisnis inklusif berbasis digital untuk pemberdayaan ekonomi melalui Baitul Maal Wal Tamwil (BMT) menunjukkan bahwa integrasi teknologi digital dapat meningkatkan efisiensi operasional, aksesibilitas keuangan, dan kontribusi terhadap inklusi keuangan bagi sektor informal, terutama usaha mikro dan kecil.
Co-Authors Hasan Cahyono Iva Khoiril Mala Iva Khoiril Mala Selah Nurul Ma'rifah