UPAYA MITIGASI RISIKO PEMBIAYAAN MURABAHAH PADA KSPPS BMT AMANAH UMMAH SURABAYA

Authors

January 17, 2020

Downloads

Sharia Cooperation as a micro financial institution does its function to collect and distribute money. Sharia cooperation, as how it works, is initiated by its members, for the members, and from the members. Therefore, the fund channeling done by sharia cooperation is only focusing to the members’ welfare. On doing the business, BMT utilizes Sharia contracts such as mudharabah, musyarakah, murabahah, and many more. BMT which was established based on cooperation basic law, must follow the provisions from Ministry of Cooperation in carrying out the business activities.This study uses a qualitative approach with a case study method. The results of this study are risk control measures in murabahah financing contained in the Standard Operating Procedure (SOP). The form of risk control is directed at risk mitigation actions, if risk mitigation is less accurate it will lead to problematic financing. To reduce the number of problematic financing is carried out with preventive measures when submitting, analyzing, realizing and paying off. By focusing on these stages, the possibility of a risk can be minimized.

Keywords: Risk, Financing Risk, Murabahah Agreement, Sharia Cooperative, BMT




REFFERENCES

Afifudin dan Beni Ahmad Saebani. 2012. Metodelogi Penelitian Kualitatif. Bandung:Pustaka Setia

Ahmadiono. 2014. Mengendalikan Risiko Lembaga Keuangan Mikro Syariah. Jember:Al-Mashraf, Vol.1, No.  01 Oktober

Ajija, S. Rohmatul, dkk. 2018. Koperasi BMT Teori, Aplikasi dan Inovasi. Karanganyar.CV. Inti Media Komunika

Al-Hasan, Fahadil Amin. 2018. Analisis pelaksanaan Akad Murabahah di LembagaKeuangan Syariah (BMT)

Antonio. M. Syafii. 2001. Bank Syariah dari Teori ke Praktek. Jakarta: Gema InsaniPress

Djojosoedarso, Soeisno. 1999. Prinsip-prinsip manajemne risiko dan asuransi. Jakarta.Salemba Empat

Bi.go.id diakses pada 18 November 2018 pukul 20.22 Tentang Undang-UndangNomor 20Tahun 2008

Cokrohadisumarto, Widiyanto bin Mislan, dkk.2016. BMT: Praktik dan kasus. Jakarta.Rajawali Pers.

Fikruddin, Tahta. 2015. Strategi Penanganan Risiko Pembiayaan Murabahah padaBMT Se-Kabupaten Demak. Kudus. Equilibrium 3(2) 254-270

Hendrojogi. 2004. Koperasi Asas-Asas, Teori dan Praktik. Jakarta: PT. RajaGrafindoPersada

Karim, Adiwarman Azwar. 2010. Bank Islam: Analisis Fiqih dan Keuangan. Jakarta: PT.RajaGrafindo Persada

Kusmiyati, A. N. S. 2007. Risiko Akad dalam pembiayaan Murabahah pada BMT diYogyakarta (dari Teori ke Terapan). Yogyakarta. La_Riba Jurnal EkonomiIslam Vol 1 (1)27-41

Lubis, Suhrawardi K. Dan Farid Wajdi. 2012. Hukum Ekonomi Islam. Jakarta. SinarGrafika

Muhamad. 2016. Manajemen Keuangan Syariah Analisis fiqh danKeuangan.Yogyakarta. UPPSTIM YKPN

Nawawi, Ismail. 2009. Ekonomi Kelembagaan Syariah: Dalam Pusaran EkonomiGlobalSebuahTuntutan dan Realitas. Surabaya. CV. Putra Medika Nusantara.

Rivai, Veithzal dan Andria Permata Veithzal. 2008. Islamic Financial Management:Teori, Konsepdan Aplikasi Panduan Praktis untuk Lembaga Keuangan,Nasabah, Praktisi danMahasiswa. Jakarta: Raja Grafindo Persada

Rivai, Veithzal dan Rifki Ismal. 2013. Ismalic Risk Management Fot Islamic Bank.Jakarta: Gramedia Pustaka Utama.

Romdhoni, A. H. 2016. Analisis Komparasi Manajemen Risiko pada KoperasiSyariah diKabupaten Boyolali. Surakarta. Jurnal Ilmiah Ekonomi Islam Vol.02 (03) 1-15

Suyanto, Bagong dan Sutinah. 2008. Metode Penelitian Sosial: Berbagai PendekatanAlternatif. Jakarta. Kencana

Yusuf, Saifullah. 2017. Perubahan Berkelanjutan: Gotong Royong MemakmurkanJawa Timur.Surabaya. Airlangga university press.

Yin, R. K. 2009. Studi Kasus: Desain dan Metode. Jakarta. Raja Wali


Most read articles by the same author(s)

1 2 3 > >>