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

Dosen Pembimbing:	MUTAMIMAH, MUTAMIMAH | nidn0613106701
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:	https://repository.unissula.ac.id/id/eprint/38713

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