LITERATURE STUDY ON FINANCING RISK MANAGEMENT RESEARCH IN BAITUL MAL WAT TAMWIL

Authors

  • Muhammad Noor Aiman Antasari State Islamic University
  • Difi Dahliana Antasari State Islamic University
  • Eka Mutia Salsabila Antasari State Islamic University
  • Raisa Radhiati Antasari State Islamic University

Keywords:

BMT, Risk Management, Problem Financing

Abstract

Previous research on financing risk management in BMT has been widely conducted. However, there has been no literature review on the topic. Therefore, this article aims to conduct a literature review of the results of financing risk management research on BMT. The review was performed on the research results published in national scientific journals indexed in Google Scholar as many as ten articles. The results of the review show that trained human resources play an essential role in risk management in BMT; BMT does not yet own complete regulation and standardized risk control system; submission of financing applications at BMT is carried out by the procedure; Problematic financing is handled gradually starting from a familial approach, the application of rescheduling and restructuring, then the last step is legal settlement.

References

Abidin, M. Z., & Hafizah, Y. (2019). Conflict and Integration in The Salafi-Wahabi Purification Movement in South Kalimantan. Wawasan: Jurnal Ilmiah Agama Dan Sosial Budaya, 4(2), 191–201. https://doi.org/10.15575/jw.v4i2.6194

Abidin, M. Z., Sabirin, M., Hafizah, Y., & Yuseran, M. (2023). Policies and Strategies for Improving the Research and Scientific Publications Quality at State Islamic Religious Colleges in Kalimantan . Millah: Journal of Religious Studies, 22(1), 61–94. https://doi.org/10.20885/millah.vol22.iss1.art3

Amri, A. D., Anggreyn, R., Ambiya, Q., Fitriana, I., Rizki, E., & Amanda, S. R. (2023). Analisis Promosi Dan Manajemen Resiko Pada BMT Al Ishlah Untuk Meningkatkan Kepercayaan Masyarakat di Kota Jambi. Jurnal Ekonomi, Mamanejen, Bisnis dan Ssosial (EMBISS), 3(4), 387–393.

Anam, H. (2023). Manajemen Risiko Operasional Bank Syariah; Teori dan Manfaat. Jurnal At-Tamwil: Kajian Ekonomi Syariah, 5(1), Article 1. https://doi.org/10.33367/at.v5i1.1476

Anshary, A. H., Faridah, R., Qamaruddin, M., Ma’mun, M. Y., & Aseri, Akh. F. (2023). Positive Attitudes Towards Digital Wallets in Banjarmasin, Indonesia. Proceedings of the International Conference on Intellectuals’ Global Responsibility (ICIGR 2022), 379–388. https://doi.org/10.2991/978-2-38476-052-7_42ss

Ardiansyah, A., Mulyani, S., & Audina, B. P. (2024). Analisis Penerapan Manajemen Risiko Pembiayaan Pada Baitul Wat Tamwil Syariah Riyal Kota Bekasi. EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi, 3(3), 136–145. https://doi.org/10.56799/ekoma.v3i3.2983

Azhari, F. (2021). The habibs’ polygamy lives with ahwal women (A case study in Banjar regency, South Kalimantan, Indonesia). Kasetsart Journal of Social Sciences, 42(1), 159–164. retrieved from https://so04.tci-thaijo.org/index.php/kjss/article/view/249460

Azhari, F. ., Hariyanto, & Hidayat, M. R. . (2023). Giving jujuran in socio-cultural marriage of Banjar Community. Kasetsart Journal of Social Sciences, 45(1), 215–224. retrieved from https://so04.tci-thaijo.org/index.php/kjss/article/view/269485

Balady, M. H., Kholifah, R. N., & Winata, T. S. A. (2023a). Analisis Manajemen Risiko Pembiayaan Pada Produk Layanan Berbasis Jamaah (LASISMA) Tanpa Jaminan Di BMT NU Cabang Kalibaru. Journal Of Indonesian Social Society, 1(3), 145–150.

Balady, M. H., Kholifah, R. N., & Winata, T. S. A. (2023b). Analisis Manajemen Risiko Pembiayaan Pada Produk Layanan Berbasis Jamaah (LASISMA) Tanpa Jaminan Di BMT NU Cabang Kalibaru. Journal Of Indonesian Social Society (JISS), 1(3), Article 3. https://doi.org/10.59435/jiss.v1i3.222

Dahliana, D. (2022a). Pendekatan Balanced Scorecard dalam Mengukur Kinerja Baitul Mal wa Tamwil Amanah Kota Banjarmasin. Al-Iqtishadiyah : Ekonomi Syariah Dan Hukum Ekonomi Syariah, 7(1), Article 1. https://doi.org/10.31602/iqt.v7i1.5006

Dahliana, D. (2022b). Persepsi Nasabah Terhadap Peran BMT Kota Banjarmasin. Al-Iqtishadiyah : Ekonomi Syariah Dan Hukum Ekonomi Syariah, 6(1), Article 1. https://doi.org/10.31602/iqt.v6i1.3099

Djamil, F. (2022). Penyelesaian Pembiayaan Bermasalah di Bank Syariah. Sinar Grafika.

Elwardah, K. (2020). Optimalisasi Penyelesaian Pembiayaan Bermasalah Pada BMT Kota Mandiri Bengkulu. Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah, 6(2), 59–67.

Faridah, R., Mamun, M. Y., Qamaruddin, M., Naimah, & Badrian. (2023). Analysis of Consumer Attitude Towards Online Transportation in Banjarmasin. Dalam T. Suryanto, L. A. Sulejmani, J. Ali, R. Rena, S. Grima, & R. Piryu (Ed.), Proceedings of the International Conference on Sustainability in Technological, Environmental, Law, Management, Social and Economic Matters (ICOSTELM 2022) (Vol. 770, hlm. 54–60). Atlantis Press SARL. https://doi.org/10.2991/978-2-38476-112-8_7

Fikruddin, T., & Mufid, F. (2015). Strategi Penanganan Risiko Pembiayaan Murabahah pada BMT Se-Kabupaten Demak. 3(2). https://doi.org/10.21043/equilibrium.v3i2.1261

Fitri Wulandari and Syaugi Mubarak (2021). Islamic work ethics and lecturer performance: Mediating roles of person-organization fit and innovation in learning activities. Problems and Perspectives in Management, 19(3), 22-32. doi:10.21511/ppm.19(3).2021.03

Hamid, N., Muhaimin, M., Purwantoro, A., Muhari, M. D. A., Martial, T., & Munizu, M. (2023). Do Workload And OCB Affect Employee Performance Moderated by Satisfication?. Journal of Law and Sustainable Development, 11(4), e582. https://doi.org/10.55908/sdgs.v11i4.582

Hidayat, M. R., Rusdiana, R., & Komarudin, P. (2021). Strategi pendidikan kewirausahaan di sekolah dasar alam muhammadiyah banjarbaru. AdBispreneur: Jurnal Pemikiran dan Penelitian Administrasi Bisnis dan Kewirausahaan, 6(2), 125-138.

Hidayat, R., Aseri, A., & Hanafiah, M. (2023). Legalization of Informal Hibah and Wasiat through Isbat Hibah and Wasiat in Religious Courts. Mazahib, 22(1), 89-128. https://doi.org/10.21093/mj.v22i1.5152

Hidayati, T., Umar, M., & Azhari, F. (2022). Political Reorientation of Indonesian Sharia Economic Law: Legal Politic of Trade Law on Sharia Multilevel Marketing. Mazahib, 21(2), 245-290. https://doi.org/10.21093/mj.v21i2.4971

Hidayati, T., Umar, M., Azhari, F., & Abas, M. (2023). THE LEGAL CONSTRUCTION OF LICENSING AND SUPERVISION OF SHARIA MULTILEVEL MARKETING IN INDONESIAN TRADE LAW. Jurisdictie: Jurnal Hukum dan Syariah, 13(2), 237 - 263. doi:https://doi.org/10.18860/j.v13i2.17989

Hidayatullah, M. S., Azhari, F., Yusuf, M., & Fadillah, R. (2024). Reconceptualization of Ideal Islamic Bankers in The Sharia Framework (An Effort to Create a Sharia Compliance Ecosystem). Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies, 20(1), 107–127. https://doi.org/10.18196/afkaruna.v20i1.21393

Horida, H. (2022). Penerapan Manajemen Risiko Pembiyaan Lasisma di KSPPS BMT NU Jawa Timur Cabang Batang-Batang Sumenep [Disertasi]. IAIN Madura.

Huda, N., Dahliana, D., & Aseri, A. F. (2023). Improving The Quality of Prophetic Intelligence-Based Moral Education Programs with the CIPP Model. Eurasian Journal of Educational Research, 107(107), Article 107.

Kusumadewi, M., Aseri, A., & Seff, S. (2024). E-Procurement in the Procurement System for Goods/Services by the Government in Indonesia: Perspective of Saddu al-Dhariah. Ulul Albab: Jurnal Studi dan Penelitian Hukum Islam, 6(1), 101-122. doi:http://dx.doi.org/10.30659/jua.v6i1.36682

Maharani, S. S., & Pravitasari, D. D. (2022). Pengaruh Sumber Daya Manusia, Teknologi, Good Corporate Goverence, dan Manajemen Risiko Terhadap Kinerja Keuangan di Masa Pandemi Covid19 Pada BMT di Kabupaten Tulungagung. Jurnal Pendidikan Ekonomi (JURKAMI), 7(1), 113–122.

Makiah, Z. (2021). REKONSILIASI ISLAM DAN SAINS DALAM PERSPEKTIF NIDHAL GUESSOUM. Khazanah: Jurnal Studi Islam dan Humaniora, 19(1), Article 1. https://doi.org/10.18592/khazanah.v19i1.4150

Makiah, Z., Hasan, N., Aisyah, L., & Sodiqin, A. (2022). A CONVERGENCE IN A RELIGION COMMODIFICATION AND AN EXPRESSION OF PIETY IN HALAL CERTIFICATION. Khazanah: Jurnal Studi Islam Dan Humaniora, 20(2), 153–170. https://doi.org/10.18592/khazanah.v20i2.7113

Mubarak, F., Mukhtar, H., Wahyuddin, W., Mahmudah, M., & Syaugi, S. (2021). العبارات الاصطلاحية في القرآن الكريم (دراسة تحليلية دلالية في سورة آل عمران) / The Idiom in al-Qur’an al-Karim (Semantic Analysis in Surah Āl Imran). Diwan: Jurnal Bahasa Dan Sastra Arab, 7(2), 139-159. https://doi.org/10.24252/diwan.v7i2.22375

Mubarak, S. (2023). Implementing the Fiqh of Disaster in Islamic Criminal Law Perspective and Legal Relevance of Mui’s Fatwas during the COVID-19 Pandemic. International Journal of Criminal Justice Sciences, 18(1), 79–96.

Mubarak, Z., Faridah, R., Yuliani, R., Sukarni, S., & Fong, M. (2023). Does Sharia Dormitory Business Unit support Islamic University Sustainability? Market, Financial, and Maqashid Sharia Analysis. IKONOMIKA: Jurnal Ekonomi dan Bisnis Islam, 8(1), 37–52. https://doi.org/10.24042/febi.v8i1.15990

Mubin, M. A. (2022). Implementasi Prinsip 7P, 3R Dan 5C Sebagai Upaya Meminimalkan Pembiayaan Bermasalah pada Lembaga Keuangan Mikro Amanah Makmur Sejahtera Kota Kediri. OPTIMAL Jurnal Ekonomi Dan Manajemen, 2(3), Article 3. https://doi.org/10.55606/optimal.v2i3.453

Muhaimin, Subhan, M., Anshary, A. H., Azhari, F., & Haisy, N. (2023). Use of Hajj Funds for Infrastructure Development: A Review of Deposit Contract and Use of Hajj Funds. Journal of Law and Sustainable Development, 11(10), 1–17. https://doi.org/10.55908/sdgs.v11i10.852

Nelly, R., Siregar, S., & Sugianto, S. (2022). Analisis Manajemen Risiko Pada Bank Syariah: Tinjauan Literatur. Reslaj : Religion Education Social Laa Roiba Journal, 4(4), Article 4. https://doi.org/10.47467/reslaj.v4i4.1008

Noval, M., Raharjanti, R., & Ali, M. A. (2020). Ownership on Islamic Economic Perspective and Director Ownership on Sharia Companies with Moderation Roles of Independent Commissioners. Jurnal Ekonomi dan Bisnis Islam, 5(1), 17-42.

Oktapian, M. C., & Fauzi, A. (2023). Analisa Penerapan Pengendalian Risiko Pada Pembiayaan di BMT Rahmat Kediri. Jurnal At-Tamwil: Kajian Ekonomi Syariah, 5(1), Article 1. https://doi.org/10.33367/at.v5i1.1478

Peraturan Bank Indonesia Nomor 10/18/PBI/2008, 10/18/PBI/2008 (2008). https://ojk.go.id/id/kanal/syariah/regulasi/peraturan-perbankan-syariah-pbi-dan-sebi/Pages/peraturan-bank-indonesia-nomor-10-18-pbi-2008-3.aspx

Putri, S. D. A., & Dahliana, D. (2023). Minat Pedagang Muslim pasar Tradisional di Kotabaru terhadap Produk Bank Syariah. Al-Ujrah | Jurnal Ekonomi Syariah, 1(02), Article 02.

Rasyid, M., Aseri, A. F., Sukarni, S., & Aseri, M. (2023). Scientific Consideration in the Concept of Islamic Law in Indonesia : A Study on The Fatwas of Falakiyah Of MUI. Al-Daulah: Jurnal Hukum Dan Perundangan Islam, 13(2), 202–229. https://doi.org/10.15642/ad.2023.13.2.202-229

Rasyid, M., Aseri, M., Sukarni, S., Aseri, A. F., & Faid, M. S. (2023). Science And Its Role In Changes In Islamic Legal Thought (An Analysis Of Changes In The Fatwa Of The Indonesian Ulema Council Due To Recent Scientific Findings). Syariah: Jurnal Hukum dan Pemikiran, 23(2). https://doi.org/10.18592/sjhp.v23i2.11361

Riinawati, R. (2022). Building Public Accountability Through Financial Management in Madrasah. AL-TANZIM: Jurnal Manajemen Pendidikan Islam, 6(1), 268–280. https://doi.org/10.33650/al-tanzim.v6i1.3069

Sajjad, M. B. A., Kalista, S. D., Zidan, M., & Christian, J. (2020). Analisis Manajemen Risiko Bisnis. Jurnal Akuntansi Universitas Jember, 18(1), 51–61.

Sanawiah, Ramdhani, M. T., Ariyadi, Norcahyono, Aseri, A. F., Lawang, K. A., & Amruzi, M.F.A. (2023). Law Politics of People’s Mining Based On Maqashid Syariah’s Welfare And Social Justice Viewpoint. Russian Law Journal, 11(3s), Article 3s. https://doi.org/10.52783/rlj.v11i3s.774

Sari, N., Handayani, Y. I., & Ningsih, W. F. (2023). Analisis Manajemen Risiko Pembiayaan Layanan Berbasis Jamaah Pada BMT NU Jawa Timur Cabang Wuluhan Jember. Riset Akuntansi (RISTENSI), 4(2), 137–158.

Seff, S., & Hidayatullah, M. S. (2020). Urgency Of The Application Of Sharia Guarantee In Islamic Banking In Indonesia. Syariah: Jurnal Hukum dan Pemikiran, 20(2), 201-216.

Snyder, H. (2019). Literature review as a research methodology: An overview and guidelines’. Journal of Business Research, 104, pp. 333–339,. Journal of Business Research, 104. https://doi.org/10.1016/j.jbusres.2019.07.039.

Sukarni, S., & Mahmud, H. bin. (2024). Development and Concept of Environmental Fiqh in the Works of Banjar Scholars: Historical and Thought Analysis. Syariah: Jurnal Hukum dan Pemikiran, 24(1). https://doi.org/10.18592/sjhp.v24i1.12906

Sukarni, S., & Mansyuroh, F. A. (2022). Forest Waqf: An Alternative Solution for Protecting Environment in Kalimantan. Islamica: Jurnal Studi Keislaman, 17(1), 46-67. https://doi.org/10.15642/islamica.2022.17.1.46-67

Sukarni, S., & Mansyuroh, F. A. (2022). Forest Waqf: An Alternative Solution for Protecting Environment in Kalimantan. Islamica: Jurnal Studi Keislaman, 17(1), 46-67. https://doi.org/10.15642/islamica.2022.17.1.46-67

Suparno, D., Tjahjawulan, I., Martodiryo, S., Anshary, A., Mulyono, M., Badrian, B., Indrariani, E & Suwondo, T. (2023). The influence of financial literacy, digital literacy, digital marketing, brand image and word of mouth on the z generation's interest in Islamic banks.International Journal of Data and Network Science, 7(4), 1975-1982.

Susilo, E. (2015a). Analisis Perbandingan Penerapan Manajemen Risiko Pembiayaan Lembaga Keuangan Mikro Syariah Studi Kasis di BMT Berningharji Yogyakarta dan BPRS Madina Mandidi Sejahtera Yogyakarta. Ekonomi Bisnis & Kewirausahaan, 4(2), 22–47.

Susilo, E. (2015b). Analisis Perbandingan Penerapan Manajemen Risiko Pembiayaan Lembaga Keuangan Mikro Syariah Studi Kasus di BMT Beringharjo Yogyakarta dan BPRS Madina Mandiri Sejahtera Yogyakarta. Jurnal Ekonomi Bisnis Dan Kewirausahaan, 4(2), Article 2. https://jurnal.usahidsolo.ac.id/index.php/IAB/article/view/56

Syahirah, S., & Ismail, A. H. (2023a). Analisis Implementasi Manajemen Risiko Pada Pembiayaan Murabahah Di KSPPS BMT UB Amanah Laut Dendang. EBMA: Ekonomi Bisnis Manajemen dan Akuntansi, 4(1), 1914–1926.

Syahirah, S., & Ismail, A. H. (2023b). Analisis Implementasi Manajemen Risiko Pada Pembiayaan Murabahah Di KSPPS BMT UB Amanah Laut Dendang. Ekonomi Bisnis Manajemen dan Akuntansi (EBMA), 4(1), Article 1. https://doi.org/10.36987/ebma.v4i1.4687

Syarofi, M. (2022). Implementasi Manajemen Risiko Pada Lembaga Keuangan Non-Bank Syariah (Studi Analisis Unit Simpan Pinjam Pola Syariah Ausath Banyuwangi). RIBHUNA : Jurnal Keuangan Dan Perbankan Syariah, 1(1), Article 1.

Syaugi, S., & Rahmah, A. (2021). Investment Decisions through Total Asset Growth toward Price to Book Value on the Jakarta Islamic Index. Muqtasid: Jurnal Ekonomi Dan Perbankan Syariah, 12(1), 63-74.

Syaugi, S., Badrian, B., & Mubarak, F. (2020). PERAN KEARIFAN LOKAL DALAM UPAYA DERADIKALISASI FAHAM RADIKAL DI KALIMANTAN SELATAN. Khazanah: Jurnal Studi Islam Dan Humaniora, 18(2), 155–172. https://doi.org/10.18592/khazanah.v18i2.4155

Tanjung, M., & Novizas, A. (2020). Eksistensi Baitul Mal Wa Tamwil (BMT) Dalam Perekonomian Islam. Jurnal Magister Ilmu Hukum (Hukum dan Kesejahteraan), 3(1), 27–35.

Wafa, F. E., Rahmah, Gafur, A., & Ansharullah. (2024). Analysis of Sharia Financial Literacy Levels of Nagara’s Muslim Community. Al-Intaj: Jurnal Ekonomi dan Perbankan Syariah, 10(2). http://dx.doi.org/10.29300/aij.v10i2.3971

Wajdi, M., Barata, F., Syamil, A., Prasetyani, D., Tunjungsari, H., Aliyyah, I., Fatmawati, E & Aseri, A. (2023). Exploring the role of supplier integration, customer integration on operational performance by mediating the SMEs supply chain flexibility.Uncertain Supply Chain Management, 11(4), 1851-1858.

Yuliani, R., Mubarak, Z., Arifah, A., & Hayat, A. (2023). Evaluating The Feasibility of Replacing Official Vehicle Facility (ROVF) in Balangan Regency: Case Study In Cost-Benefit Analysis. International Business and Accounting Research Journal, 7(1), Article 1.

Yusuf, M. (2022). The Effect of Prophetic Leadership on Employee Work Motivation at The Islamic Higher Education. Al-Tanzim: Jurnal Manajemen Pendidikan Islam, 6(1), Article 1. https://doi.org/10.33650/al-tanzim.v6i1.3326

Yusuf, M., & Abduh, M. R. (2022). SHARIA LAW ANALYSIS OF BINARY OPTION. Syariah: Jurnal Hukum dan Pemikiran, 22(2), 141–149. https://doi.org/10.18592/sjhp.v22i2.6454

Yusuf, M., Abduh, M. R., & Sofyani, H. (2023). Islamic bank spin-off: a systematic literature review. Journal of Accounting and Investment, 24(2), 355–384. https://doi.org/10.18196/jai.v24i2.17736

Yusuf, M., Azhari, F., Amruzi, F. A., Wahidi, M. M. I., & Anafarhanah, S. (2023). Green Economy Financing According to Fiqh Al-Biah as Part of Maqashid Sharia. Pena Justisia: Media Komunikasi Dan Kajian Hukum, 21(1). https://doi.org/10.31941/pj.v21i1.2725

Zulfa, M. S. (2014). Analisis Tentang Manajemen Risiko dalam Operasional Pembiayaan Muraba’ah di BMT Amanah. Iqtishadia, 7(1), 157–178.

Downloads

Published

2024-09-20