ITQAN FINANCING RISK MANAGEMENT: UPAYA PENINGKATAN BUSINESS SUSTAINABILITY PADA KOPERASI SIMPAN PINJAM SYARIAH DI JAWA TENGAH

TUZAKA, ELIYA (2024) ITQAN FINANCING RISK MANAGEMENT: UPAYA PENINGKATAN BUSINESS SUSTAINABILITY PADA KOPERASI SIMPAN PINJAM SYARIAH DI JAWA TENGAH. Doctoral thesis, Universitas Islam Sultan Agung Semarang.

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Abstract

Sharia Microfinance Institutions (LKMS) are able to contribute to strengthening the financial system, and can increase the growth of Indonesia MSMEs. However, in its managements, LKMS often experiences low levels of financial liquidity, especially in the run-up to the Eid Al-Fitr holiday, the new school year, and covid pandemic. This is largerly due to LKMS members withdrawing large amounts of funds, non smooth financing installment payments, which will further reduce the LKMS’s ability to maintain the sustainability of its business. Therefore, the aim of this reseach is expected to be a solution to overcome obstacles and challenges in improving business sustainability in LKMS in Indonesia through the role of Itqan Financing Risk Management. This research is explanatory research using primary and secondary data. The population in the study werw all LKMS (BMT members of PBMTI and BTM) in central Java, and we distributed 200 questionnaires at all LKMS, of which 122 questionnaires were returned. Then the data results were re- selected based on the criteria of purposive sampling method to obtain 105 LKMS data from members of PBMTI and BTM Central Java Network. This research data analysis uses Partial Least Squarfe (PLS) based on the Structural Equation Modeling (SEM). The results of this research show that Itqan Financing Risk Identification, Itqan Financing Risk Assessment, and Itqan Financing Risk Monitoring have an important role in improving Business Sustainability. Financial performance was found to have an important role, both directly and indirectly in improving Business Sustainability. It is hoped that the contribution of Itqan Financing Risk Identification, Itqan Financing Risk Assessment, and Itqan Financing Risk Monitoring will provide an understanding that financing risk management that applies Itqan values can improve of financial performance and Business Sustainability and be able to ensure that LKMS operations are in accordance with sharia values. Keywords: Sharia Microfinance Intitutions; Itqan Financing Risk Management; Financial Performance; Business sustainability

Item Type:	Thesis (Doctoral)
Subjects:	H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management
Divisions:	Pascasarjana Pascasarjana > Program Doktor Ilmu Manajemen
Depositing User:	Pustakawan 4 UNISSULA
Date Deposited:	12 Feb 2025 06:53
URI:	http://repository.unissula.ac.id/id/eprint/38713

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