Implementation of risk management in murabahah financing at BMT UGT Nusantara Pasuruan

Melinda, Eka and Segaf, Segaf ORCID: https://orcid.org/0000-0003-0017-1021 (2023) Implementation of risk management in murabahah financing at BMT UGT Nusantara Pasuruan. Enrichment: Journal of Management, 13 (2). pp. 914-920. ISSN 2087-6327

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Abstract

Islamic finance is one sector that is experiencing rapid growth in the global financial industry. In its business activities, Islamic finance will certainly be faced with risks related to its function as an intermediary institution. Risk management is needed to handle, identify and manage risks that may occur. Risk management implemented at BMT UGT Nusantara Pasuruan, including risk in Murabahah financing at BMT UGT Nusantara Pasuruan. With a qualitative descriptive research model with a real phenomenon approach in the field, namely at BMT UGT Nusantara Pasuruan. The results of the research discussing the application of risk management at BMT UGT Nusantara Pasuruan include the risk management process for murabahah financing at BMT UGT Nusantara Pasuruan previously with the assistance process, namely by identifying the ability of members to return the financing. Then a risk measurement is carried out by identifying the form and value of the collateral submitted. Then handling risks, which is carried out by BMT UGT Nusantara Pasuruan, namely by rescheduling members who can still be fostered, and finally, by applying the principles of 5C analysis or (character, capacity, capital, collateral, economic condition). The results of this study are expected to provide a broader picture and knowledge for stakeholders in Islamic financial institutions regarding the implementation of murabahah financing risk management and for other researchers can be a contribution of thoughts, insights for readers, and as a reference for further research

Item Type: Journal Article
Keywords: Financing; Murabahah; Risk Management
Subjects: 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1502 Banking, Finance and Investment > 150205 Investment and Risk Management
15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1502 Banking, Finance and Investment
Divisions: Faculty of Economics > Department of Islamic Banking
Depositing User: Segaf Segaf
Date Deposited: 19 Nov 2023 22:34

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