Analysis of Financing Risk Management Implementation at Baitul Maal Wat Tamwil

Ainu Nadina*  -  Universitas Terbuka Semarang, Indonesia
Ferry Khusnul Mubarok  -  Universitas Islam Negeri Walisongo, Indonesia
Yuli Haryati  -  Universitas Terbuka Semarang, Indonesia

(*) Corresponding Author
DOI: 10.21580/al-arbah.2022.4.1.14664

Abstract

Purpose - This study aims to analyze the implementation of financing risk management in Sharia Cooperatives at BMT UAS Pamotan.

Method - The method uses a qualitative approach, using primary data from interviews with the finance staff and reading from various references.

Result - The implementation of financing risk management at BMT UAS Pamotan is through two approaches, namely internal and external. Internal approach by anticipating various possible risks, namely through management audits and evaluations. Meanwhile, externally through service maximization, and tightening 5C (Character, Capacity, Capital, Collateral, and Conditions).

Implication - There needs to be a closer method between the BMT and partners (customers) so that the possibility of financing risks arising can be minimized.

Originality- Analyzing qualitatively related to existing financing in Islamic microfinance institutions. 

 

Keywords: risk management, non-performing financing, cooperatives .

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Open Access Copyright (c) 2022 Ainu Nadina, Ferry Khusnul Mubarok, Yuli Haryati
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Al-Arbah: Journal of Islamic Finance and Banking
Published by Department of Sharia Banking, Faculty of Islamic Economics and Business, UIN Walisongo Semarang, Indonesia
Jl Prof. Dr. Hamka Kampus III Ngaliyan Semarang 50185
Phone: +62 852-3660-5533
Website: https://febi.walisongo.ac.id/
Email: alarbah@walisongo.ac.id

ISSN: 2716-3946 (Print)
ISSN: 2716-2575 (Online)

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License

 
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