Analisis Kritis Atas Rendahnya Pembiayaan Berbasis Bagi Hasil Pada BMT di Jepara

Author:

Ahmad Fatkur Rohman

Abstract

<p><em>T</em><em>he purpose of this study is to identify factors influencing the low volume of profit sharing-based financing products of BMT Jepara. This study uses interviews with several related parties, including: the academician, practitioners, and customers. The problem of low profit sharing-based financing products in this study is viewed from three aspects: internal,  external, and regulation aspects. Based on the results of the study, from the internal aspect of BMT, the problem of profit sharing-based financing productst is caused by six factors, namely: High risk, Lack of quality and quantity of Human Resources, Complicated handling, No product innovation, Asymmatric information, and Lack of socialization. Meanwhile, the external aspects of BMT is caused by three factors, namely: Moral hazard, Lack of community’s knowledge on Islamic banking products, and Low of demand. Finally, from the aspect of the regulation, the low profit sharing-based financing products caused by lack of support from the regulator. Based on the results of this study, BMT is expected to develop and innovate its products in order to minimize the risk, as well as to socialize  to  the  community  so  that  people  know  the  products  of  BMT.  To  the customers of BMT are expected to better understand   products of the Syariah Banking. The Regulators are expected to regulate supporting policies to encourage the  growth of profit sharing-based financing products so that the Islamic Bank would enhance the  economic welfare of the Islamic society in the future.</em></p>

Publisher

State Islamic College of Kudus

Cited by 2 articles. 订阅此论文施引文献 订阅此论文施引文献,注册后可以免费订阅5篇论文的施引文献,订阅后可以查看论文全部施引文献

1. Risk Management and Rate in Growing of Profit-Sharing Financing;International Journal of Finance & Banking Studies (2147-4486);2023-03-21

2. Sosialisasi Aplikasi Akad-Akad Pembiayaan Syariah pada Sumber Daya Insani Bank Pembiayaan Rakyat (BPR) Syariah Se JABODETABEKTEN;International Journal of Community Service Learning;2022-06-28

同舟云学术

1.学者识别学者识别

2.学术分析学术分析

3.人才评估人才评估

"同舟云学术"是以全球学者为主线,采集、加工和组织学术论文而形成的新型学术文献查询和分析系统,可以对全球学者进行文献检索和人才价值评估。用户可以通过关注某些学科领域的顶尖人物而持续追踪该领域的学科进展和研究前沿。经过近期的数据扩容,当前同舟云学术共收录了国内外主流学术期刊6万余种,收集的期刊论文及会议论文总量共计约1.5亿篇,并以每天添加12000余篇中外论文的速度递增。我们也可以为用户提供个性化、定制化的学者数据。欢迎来电咨询!咨询电话:010-8811{复制后删除}0370

www.globalauthorid.com

TOP

Copyright © 2019-2024 北京同舟云网络信息技术有限公司
京公网安备11010802033243号  京ICP备18003416号-3