Analisa Faktor-Faktor yang Mempengaruhi Keterlambatan Pembayaran pada Manajemen Keuangan BMT Muamalah Syariah Tebuireng
DOI:
https://doi.org/10.61722/jiem.v2i9.2433Keywords:
BMT Muamalah Syariah ; Financial Management ; Influencing Factors ; Late PaymentsAbstract
This study analyzes the factors that influence late payments in the financial management of BMT Muamalah Syariah Tebuireng. Late payments can be caused by various complex factors in the context of sharia financial management. According to the literature, several main factors that can influence late payments include a lack of understanding and awareness of the obligation to pay on time, economic instability which causes low liquidity, and less effective risk management. In addition, internal factors such as complex internal processes and lack of coordination between units within BMT can also contribute to payment delays. Observations of practices at BMT Muamalah Syariah Tebuireng show that although sharia principles are emphasized, challenges such as compliance with administrative procedures and regulations are often factors that slow down payments. By understanding these factors through literature studies and observations, more effective strategies in financial management can be identified to reduce late payments in the context of BMT Muamalah Syariah Tebuireng.
References
Akbar, F. M. A., Hartono, B. D., & Rosidta, A. (2021). Pemetaan Resiko Pada Pembiayaan Istishna’Bmt Rukun Abadi Untuk Perumahan Subsidi Di Griya Wonosari. Zhafir: Journal of Islamic Economics, Finance, and Banking, 3(1), 25–36.
Alimin, A., & Fahlefi, R. (2020). Pelaksanaan Denda atas Nasabah Mampu Penunda Pembayaran Utang di Lembaga Keuangan Syariah. Tsaqafah, 16(1), 51. https://doi.org/10.21111/tsaqafah.v16i1.4006
Andni, R. (2024). Strategi Dalam Mengurangi Pembiayaan Bermasalah Pada Bmt Harapan Umat Pati. Journal of Sharia Economics, 5(1), 1–22. https://doi.org/10.22373/jose.v5i1.3220
Ascarya, A., & Sakti, A. (2022). Designing micro-fintech models for Islamic micro financial institutions in Indonesia. International Journal of Islamic and Middle Eastern Finance and Management, 15(2), 236–254. https://doi.org/10.1108/IMEFM-05-2020-0233
Fitriani, & Abd.Hafid. (2020). Analisis Potensi BMT di Desa Kading Kecamatan Barebbo. IEB JOURNAL : Islamic Economics and Business Journal, 2(2), 125–139. https://doi.org/10.30863/iebjournal.v2i2.3002
Haryanti, P., & Dewi, S. N. (2024). Praktik Semi Bank pada Koperasi-Baitul Maal Wa Tamwil (BMT) Muamalah Syariah Tebuireng Jombang. An-Nisbah: Jurnal Perbankan Syariah, 5(1), 19–30. https://doi.org/10.51339/nisbah.v5i1.1242
Jannah, K., & Hikmah, S. F. (2022). Pengaruh Margin Dan Kualitas Pelayanan Islami Terhadap Keuasan Anggota Pada Pembiayaan Murabahah Di Bmt Muamalat Kalibaru Kabupaten Banyuwangi. JPSDa: Jurnal Perbankan Syariah Darussalam, 2(2), 208–219. https://doi.org/10.30739/jpsda.v2i2.1491
Mahzudin, M. F., & Haryanti, P. (2023). Pembiayaan Mudharabah Bermasalah Di Lembaga Keuangan Syariah Dalam Perspektif Islamic Business Ethics: Studi di KSPPS BMT Bina Ummat Sejahtera. Journal of Cross Knowledge, 1(2).
Maidawati. (2022). Pembiayaan bermasalah dan implikasinyanya terhadap kesejahteraan anggota pada kspps bmt jati baru padang. Menara Ekonomi, VIII(1), 49–57. https://www.jurnal.umsb.ac.id/index.php/menaraekonomi/article/view/3282
Mardatillah, Parmitasari, R. D. A., & Abdullah, M. W. (2023). Penerapan Prinsip Dan Kepatuhan Pada Pengelolaan Keuangan Syariah. Jurnal Ekonomi, Manajemen Dan Akuntansi, Vol. 2 No., 284–295. https://doi.org/https://doi.org/10.572349/neraca.v2i1.593
Meliani, I., & Ismunandar, A. (2022). Analisis Strategi Account Officer pada Pembiayaan Bermasalah BMT EL Hidayah Lampung Timur. Al Wathan : Jurnal Studi Keislaman, 3(02), 54–55.
Melina, F. (2020). Pembiayaan Murabahah Di Baitul Maal Wat Tamwil (Bmt). Jurnal Tabarru’: Islamic Banking and Finance, 3(2), 269–280. https://doi.org/10.25299/jtb.2020.vol3(2).5878
Muzakki, M. A., Purwanto, & Fitriani, Y. (2024). Mitigasi Risiko Pembiayaan Bermasalah pada baitul Maal Wat Tamwil Saudara. EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi, 3(3), 53–61. https://doi.org/https://doi.org/10.56799/ekoma.v3i3.2958
Nasrulloh, A. A. (2020). Pengembalian Fungsi Baitul Mal Wa Tamwil melalui Strategi Penyelesaian Masalah Rentenir di Tasikmalaya. Amwaluna: Jurnal Ekonomi Dan Keuangan Syariah, 4(1), 75–95. https://doi.org/https://doi.org/10.29313/amwaluna.v4i1.5271
Pramitasari, purmia okky. (2013). ANALISIS FAKTOR-FAKTOR YANG BERHUBUNGAN DENGAN KEJADIAN STRES KERJA PADA KARYAWAN BANK (Studi pada Karyawan Bank BMT). Jurnal Kesehatan Masyarakat, 2(1), 1–10.
Rochmah, E. N., & Purwanto, Y. F. (2024). Analisis Perbandingan Risiko Pembiayaan Murabahah dan Mudharabah Baitul Maal. Arbitase: Journal of Economic and Accounting, 4(3), 241–249. https://doi.org/10.47065/arbitrase.v4i3.1666
Sumarlin, A., Sirajuddin, Syarifuddin, & Jamaluddin, N. (2024). Economics and Digital Business Review Etos Kerja Dalam Al-Qur ’ an. Economics and Digital Business Review, 5(1), 284–299. https://doi.org/https://doi.org/10.37531/ecotal.v5i2.1303
Sutanti, A., & Haryanti, P. (2022). Efektivitas Kebijakan Restrukturisasi Pembiayaan Bermasalah pada Masa Pandemi Covid-19. Journal Of Institution And Sharia Finance, 5(1), 75–84. https://doi.org/10.24256/joins.v5i2.3362
Suwarni. (2017). Analisis Rasio Keuangan Koperasi Syariah. Jurnal Ilmiah Ekonomi Dan Manajemen, 2(5), 102–109. https://doi.org/https://doi.org/10.61722/jiem.v2i5.1254
Widyaningsih, B., Rahmatika, A. N., & Ishlahiyah, S. F. (2024). Analisis strategi penerapan rekrutmen manajemen kinerja etos kerja dan motivasi kerja pada pegawai kjks bmt rizqona ikabu tambakberas jombang. Jurnal Ilmiah Ekonomi Dan Manajemen, 2(7), 104–111. https://doi.org/: https://doi.org/10.61722/jiem.v2i7.1832
Downloads
Published
Issue
Section
License
Copyright (c) 2024 JURNAL ILMIAH EKONOMI DAN MANAJEMEN
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
