Penerapan Manajemen Risiko Pembiayaan di BMT Maslahah, Cabang Pembantu Olean Situbondo

  • Subaidi Subaidi Universitas Ibrahimy
  • Ikmalul Ihsan Universitas Ibrahimy
Keywords: risk management, bad debt, financing, murabahah

Abstract

BMT Maslahah Sub-Branch Olean in Situbondo still faces several problems and risks in providing financing to customers, because the customer intentionally does not return the financing he has obtained, even though he was able to repay the loan. This study focuses on how the applications of risk management in the financing, the causes and the solutions in BMT Maslahah Sub-Branch Olean of Situbondo. This study uses a qualitative approach with a case study strategy. Data collection is done by connecting questions with data obtained from conclusions from the interview of several persons in BMT Maslahah Sub-Branch Olean in Situbondo. The results of the study indicate that the risk of loss is the high number of problematic financing, starting from the difficulties and even payment defaults from customers caused by the loss of the ability of customers to pay installments and profit sharing to them. The effort carried out by them in saving the problematic financing is by rescheduling, reconditioning, and restructuring. They also cooperate with insurance companies to cover the losses.

References

Abdulloh, B. & Saebani, B. A. (2014). Metode Penelitian Ekonomi Islam. Bandung: Pustaka Setia.
Alma, B. & Priansa, D. J. (2014). Manajemen Bisnis Syari’ah. Bandung: Alvabeta.
Anoraga, P. (2004). Manajemen Bisnis, Jakarta: PT Rineka Cipta.
Aziz, M. A. (2006). Tata Cara Pendirian BMT. Jakarta: Gd. Arthaloka.
Bakar, M. H. A. (2000). Apa Itu Ekonomi Islam. Jakarta: PTS Malaysia.
Brantas. (2009). Dasar-Dasar Manajemen. Bandung: Alfabeta.
Dermawi, H. (2008). Manajemen Risiko. Jakarta: Bumi Aksara.
Fahruddin, M. Z. (2013). Analisis Manajemen Risiko Operasional Pembiayaan Musyarakah pada Bank Muamalat Indonesia Kantor Cabang Yogyakarta. Skripsi: UIN Sunan Kalijaga Yogyakarta.
Ferry, N. I. (2004). Manajemen Risiko Perbankan. Jakarta: PT.Raja Grafindo Persada.
Hasibuan, M.S.P. (2009). Manajemen: Dasar, Pengertian, dan Masalah. Jakarta: Bumi Aksara.
Januarti, E. (2011). Penanganan Pembiayaan Bermasalah pada Produk Ijarah Muntahiya Bittamlik pada PT. Bank Muamalah Indonesia. Skripsi: UIN Syarif Hidayatullah Jakarta.
Karim, A. A. (2002). Ekonomi Mikro Islami. Jakarta: PT Raja Grafindo Persada.
Karim, A. A. (2013). Bank Islam: Analisis Fiqh dan Keuangan. Jakarta: PT. Raja Grafindo Persada.
Mujahidin, A. (2007). Ekonomi Islam. Jakarta: Raja Wali Pers.
Ridwan, M. (2004). Manajemen Baitul Maal Wa Tamwil. Yoyakarta: UII Press.
Rivai, V & Buchari, A. (2013). Islamic Ekonomics. Jakarta: PT Bumi Aksara.
Rivai, V. & Arifin, A. (2010). Islamic Banking. Jakarta: Bumi Aksara.
Rivai, V. & Veithzal, A. P. (2008). Islamic Vinancial Management. Jakarta: PT Raja Grafindo Persada.
Romdhoni, A. H. (2012). Analisis Manajemen Risiko Pembiayaan Mudharabah di Bank Syari’ah Surakarta Studi Kasus BSM dan BMI. Skripsi: UIN Sunan Kalijaga Yogyakarta.
Said, M. (2008). Pengantar Ekonomi Islam Dasar-Dasar dan Pengembangan. Pekanbaru: Suska Press.
Sugiyono. (2009). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta.
Sule, E. T. & Saefullah, K. (2010). Pengantar Manajemen. Jakarta: Prenada Media Group.
Supriyono, M. (2011). Buku Pintar Perbankan. Yogyakarta: C.V Andi Offset.
Tambubolon, R. (2004). Manajemen Risiko: Pendekatan Kualitatif untuk Bank Komersial. Jakarta: PT Elek Media Komputindo.
Winardi, J. (2012). Manajemen Perubahan. Jakarta: Prenada Media Group.
Zamili, M. (2015). Menghindar dari Bias: Praktik Triangulasi dan Kesahihan Riset Kualitatif. Jurnal Lisan Al-Hal, 7(2), 283–304. Retrieved from https://www.researchgate.net/publication/327743115_MENGHINDAR_DARI_BIAS_Praktik_Triangulasi_dan_Kesahihan_Riset_Kualitatif.
Published
2019-10-15
How to Cite
Subaidi Subaidi, & Ikmalul Ihsan. (2019). Penerapan Manajemen Risiko Pembiayaan di BMT Maslahah, Cabang Pembantu Olean Situbondo. Istidlal: Jurnal Ekonomi Dan Hukum Islam, 3(2), 92-102. https://doi.org/10.35316/istidlal.v3i2.154
Section
Articles