OPTIMIZATION STRATEGY OF MURABAHAH FINANCING AT KSPPS BMT NUSA UMMAT PRAGAAN
DOI:
https://doi.org/10.32806/nja.v3i2.791Keywords:
Murabahah Financing, Optimization, KSPPS strategy, Islamic FinanceAbstract
This study aims to analyze the strategy of optimizing murabahah financing at KSPPS BMT Nusa Ummat, Pragaan District, Sumenep Regency. Murabahah financing is one of the important instruments in Islamic finance that is widely used to support micro, small, and medium enterprises (MSMEs). However, in its implementation, there are various challenges that can affect the effectiveness of the financing, such as credit risk and suboptimal management. This study uses a qualitative descriptive approach with a case study method. Data were collected through interviews, observations, and documentation studies. The results of the study show that effective optimization strategies include strengthening risk management, improving service quality, and applying technology in operational processes. By implementing this strategy, it is hoped that KSPPS BMT Nusa Ummat can improve the efficiency and effectiveness of murabahah financing, as well as contribute more to local economic development.
References
Almansour, B. Y., Elkrghli, S., & Almansour, A. Y. (2023). Behavioral finance factors and investment decisions: A mediating role of risk perception. Cogent Economics & Finance. https://www.tandfonline.com/doi/abs/10.1080/23322039.2023.2239032
Aslam, M. N. (2024). Profit and Loss Sharing Finance – Application, Risk Management and Theories of Capital Structure [Doctoral, City, University of London]. https://openaccess.city.ac.uk/id/eprint/34000/
Bhand, L. A., Iqbal, T., & Ali, N. (2023). COMPARISON OF SHARIA COURT’S OF PAKISTAN, UNITED ARAB EMIRATES (UAE), INDONESIA AND MALAYSIA. Russian Law Journal, 11(2), Article 2.
F. Rahman, A. W. (2023). Pengaruh Pembiayaan Murabahah Terhadap Profitabilitas (ROA) Sibisa Al-Khairat Pamekasan. Jurnal Ekonomi dan Perbankan Syariah, 01(April), 112–124.
Fauji, D. A. S., PuspasariI, I. D., Aisyah, E. N., Rahadjeng, E. R., Saptaria, L., Rahman, F., Nurjannah, D., Mahmud, Subhan, E. S., Arisman, & Utami, B. (2021). Analisis Data Penelitian Manajemen: Studi Fokus Analisis Kualitatif. Dalam Fakultas Ekonomi Universitas Nusantra PGRI Kediri.
Jaya, I. M. L. M. (2020). Metode Penelitian Kuantitatif dan Kualitatif: Teori, Penerapan, dan Riset Nyata. Anak Hebat Indonesia.
Kadir, A., & Rahman, F. (2022). Implementasi Sistem Bagi Hasil Pada Produk Deposito Di Koppontren Auba Bata-Bata Palengaan Pamekasan. Investi, 05, 82–95.
Rahman, F., & Handayati, P. (2023). The Effect of Buying and Selling Financing and Profit Sharing Financing on Financial Performance at BPRS Bhakti Sumekar. internasional Jurnal of Integrative Science, 1(4), 219–232. https://doi.org/10.55927
Rozi, M. F., Mashudi, & Huda, Q. (2024). Program Innovation in the National Amil Zakat Management System: A Step Towards Enhancing the Welfare of Mustahik: Perisai : Islamic Banking and Finance Journal, 8(1), Article 1. https://doi.org/10.21070/perisai.v8i1.1678
Susminingsih, Asytuti, R., & Maghfiroh, W. (2021). The Effect of Islamic Work Ethic and Islamic Work Culture on the Productivity of Pekalongan Batik Workers in the Strengthening Sharia Ecosystem during the COVID-19 Pandemic Era. Penerbit NEM.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2024 Moh Yusri; Rizal Johan Putra, Muhamad Khusni Mubarok
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
