JPSDa: Jurnal Perbankan Syariah Darussalam最新文献

{"title":"PERAN ZAKAT DALAM INSTRUMEN KEUANGAN PUBLIK ISLAM BAGI MASYARAKAT INDONESIA","authors":"Qanitah An Nabila A'yun, Cindy Nurul Aulia Putri, F. Latifah","doi":"10.30739/jpsda.v2i1.1267","DOIUrl":"https://doi.org/10.30739/jpsda.v2i1.1267","url":null,"abstract":"Agama Islam telah mengatur segala bentuk kegiatan yang ada di dunia inimelalui al-Qur’an dan juga al-Hadist, begitupula dengan kegiatan ekonomi yangsering dilakukan dalam kegiatan sehari-hari sudah diatur dalam agama Islam, apakahkegiatan ekonomi sudah memberikan kemaslahatan bagi seluruh masyarakat, dengancara apa agama Islam memiliki solusinya. Seiring berkembangnya zaman ekonomi dinegara Indonesia pun mulai mengikuti perubahan dan perkembangan zaman. NegaraIndonesia sendiri pada kegiatan ekonominya menerapkan 2 instrumen, dimana padapenerapan instrumen keuangan publik konvensional dikenal dengan instrumen pajak,sedangkan pada instrumen khusus yang diterapkan pada kegiatan sistem ekonomiIslam menggunakan zakat, diantara kedua instrumen tersebut tentunya memilikifungsi dan perbedaan yang tentunya dianalisis mana yang lebih mengedepankankemaslahatan masyarakat dalam kegiatan distribusinya, namun dilihat dari sudutpandang agama Islam yang telah mengatur segala kebaikan dalam kegiatanekonominya, zakat adalah sebuah instrument yang tentunya akan memberikan banyakmanfaat dan kemaslahatan bagi masyarakat, sehingga zakat merupakan hal yangsangat penting dalam perekonomian untuk mengatasi masalah kemiskinan yang terjadidi negara Indonesia.","PeriodicalId":152041,"journal":{"name":"JPSDa: Jurnal Perbankan Syariah Darussalam","volume":"32 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-01-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132813142","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"PENGARUH PENDAPATAN, RELIGIUSITAS DAN PENGETAHUAN ZAKAT WARGA NU DESA KESILIR KECAMATAN SILIRAGUNG KABUPATEN BANYUWANGI TERHADAP MINAT MEMBAYAR ZAKAT MELALUI LAZISNU","authors":"Muhamad Annas, M. Munawir, Ilham Solihin","doi":"10.30739/jpsda.v2i1.1291","DOIUrl":"https://doi.org/10.30739/jpsda.v2i1.1291","url":null,"abstract":"Tujuan dari penelitian ini untuk mengetahui pengaruh pendapatan (X1), religiusitas(X2) dan pengetahuan zakat (X3) warga Nu Desa Kesilir Kecamatan SiliragungKabupaten Banyuwangi secara parsial dan simultan terhadap Minat (Y) membayarzakat melalui LAZISNU. Adapun penulisan artikel ilmiah ini menggunakan metodepenelitian kuantitatif menggunakan pendekatan explanatory research. Sampel dalampenelitian berjumlah 93 responden. Hasil penelitian secara positif dan signifikanpendapatan (X1), religiusitas (X2) dan pengetahuan zakat (X3) warga Nu Desa KesilirKecamatan Siliragung Kabupaten Banyuwangi secara parsial dan secara simultanberpengaruh terhadap Minat (Y) membayar zakat melalui LAZISNU. Hasil daripenelitian disimpulkan penelitian mampu menjawab hipotesis yang menyatakanbahwa variabel pendapatan (X1), religiusitas (X2) dan pengetahuan zakat (X3) wargaNu Desa Kesilir Kecamatan Siliragung Kabupaten Banyuwangi berpengaruh secaraparsial dan secara simultan terhadap Minat (Y) membayar zakat melalui LAZISNU.","PeriodicalId":152041,"journal":{"name":"JPSDa: Jurnal Perbankan Syariah Darussalam","volume":"64 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-01-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115366145","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"PENGARUH KUALITAS LAYANAN, KEPUASAN, DAN KEPERCAYAAN PADA PENGGUNAAN APLIKASI MOBILE BANKING TERHADAP MAHASISWA SEBAGAI NASABAH BANK SYARIAH DI UNIVERSITAS YUDHARTA PASURUAN","authors":"Abdillah Mundir, Muhammad Nizar, Dewi Rosyiqoh Athiroh","doi":"10.30739/jpsda.v2i1.1273","DOIUrl":"https://doi.org/10.30739/jpsda.v2i1.1273","url":null,"abstract":"This research is motivated by the existence of Islamic mobile banking at the University of Yudharta Pasuruan students. This study aims to determine how the quality of service, satisfaction, trust and customer loyalty to Islamic mobile banking. This research is a type of quantitative research using a descriptive approach. The data collection technique is using questionnaires or questionnaires distributed to students at the University of Yudharta Pasuruan who use mobile banking. The object of this research is 106 people. The data analysis technique used to test the hypothesis in this research is multiple linear regression analysis. Based on the results of the study, it was found that: service quality has a positive effect on the variables of service quality, satisfaction, trust, most of them answered agree, strongly agree and a small part choose less agree. From the results of the research instrument, all items have a correlation index greater than 0.05 and a Cronbach Alpha index of 0.769 (X1), Cronbach Alpha 0.705 (X2), Cronbach Alpha 0.767 (X3) which means that it is reliable in accordance with the provisions of the reliability of the alpha value. Variables of service quality, satisfaction, trust have a positive effect on the loyalty variable, this is indicated by the value of multiple linear regression coefficients of 0.08 (X1), 0.062 (X2), 0.727 (X3) units, this means if there is an increase of one the unit for the Loyalty variable, then the level of service quality satisfaction, trustworthiness is .08 (X1), 0.062 (X2), 0.727 (X3), and vice versa. Based on the t-test, it explains the significant results, between the loyalty variables and the service quality, satisfaction, and trust variables. this is indicated by the value of tcount > ttable. Simultaneously the quality of service and trust have a positive and significant effect shown 0.000","PeriodicalId":152041,"journal":{"name":"JPSDa: Jurnal Perbankan Syariah Darussalam","volume":"26 1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-01-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125679066","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Kajian Etika Bisnis Islam Di Koperasi Pesantren (Studi Kasus Di Pesantren Darussalam Blokagung Banyuwangi)","authors":"Nurul Inayah, M. Munawir, Muntaqo Ahmad Wakhidun","doi":"10.30739/jpsda.v1i2.1016","DOIUrl":"https://doi.org/10.30739/jpsda.v1i2.1016","url":null,"abstract":"Tujuan penelitian ini adalah untuk 1) untuk mengetahui penerapan etika bisnis Islam di Toko Ausath Mart Pondok Pesantren. Darussalam Blokagung Banyuwangi. 2) Untuk mengetahui sudah sesuaikah Toko Ausath Mart dalam mengembangkan usahanya menurut Etika Bisnis Islam. Alat analisis data yang digunakan dalam penelitian ini adalah deskriptif analitik. Yaitu data yang diperoleh tidak dianalisis menggunakan rumus statistika, namun data tersebut dideskripsikan sehingga dapat memberikan kejelasan sesuai kenyataan realita. Berdasarkan hasil penelitian dan pembahasan yang telah dilakukan dapat ditarik kesimpulan. 1) Penerapan Etika Bisnis Islam yang dilakukan oleh Toko Ausath Mart Pondok Pesantren Darussalam Blokagung Banyuwangi telah tergambar jelas sesuai dengan prinsip bisnis yang dicontohkan oleh Rasulullah yakni: a) Jujur; penyampaian yang dilakukan dari pihak Ausath mart kepada pengurus pesantren dan pengurus Pesantren kepada kepala Asrama kemudian kepala Asrama menyampaikan kepada warga asrama, disampaikan murni tanpa dengan menambahkan kebohongan. b) Amanah; penyampaian yang dilakukan dari pihak Ausath mart kepada pengurus pesantren dan pengurus Pesantren kepada kepala asrama kemudian kepala Asrama menyampaikan kepada warga asrama, di sampaikan dengan benar dan tidak dengan pemaksaan. c) Fatanah; penyampaian yang dilakukan dari pihak Ausath mart kepada pengurus pesantren dan pengurus Pesantren kepada kepala asrama kemudian kepala asrama menyampaikan kepada warga asrama, ini menunjukkan bahwa kecerdasan dari unit Ausath mart. d) Tabligh; penyampaian yang dilakukan dari pihak Ausath mart kepada pengurus pesantren dan pengurus Pesantren kepada kepala Asrama kemudian kepala Asrama menyampaikan kepada warga asrama, semua penyampaian dilakukan dengan baik dan benar sesuai dengan apa yang disampaikan di awal dan tidak merugikan sebagian pihak. 2) Apakah sudah sesuai pengembangan usaha yang dilakukan unit Ausath mart menurut etika bisnis islam berdasarkan cara kerjasama dengan pengurus Pesantren dan pengurus Pesantren menyampaikan kepada seluruh Kepala Asrama kemudian kepala Asrama menyampaikan kepada warga asramanya dengan tidak ada unsur pemaksaan yang melanggar aturan etika Islam dalam berbisnis. Karena dengan prinsip tersebut dapat menjadikan bisnis yang dijalankan oleh unit Ausath mart akan meraih kesuksesan baik kesuksesan di dunia maupun di akhirat.","PeriodicalId":152041,"journal":{"name":"JPSDa: Jurnal Perbankan Syariah Darussalam","volume":"51 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-08-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123432277","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Efisiensi Wakaf Tunai Dalam Meningkatkan Keuangan Dan Perbankan Syariah","authors":"Ani Faujiah","doi":"10.30739/jpsda.v1i2.1014","DOIUrl":"https://doi.org/10.30739/jpsda.v1i2.1014","url":null,"abstract":"Waqf has long been known by the Muslim community as a form of charity that plays an important role in social, economic and cultural development in order to improve the welfare of the community. One form of waqf that has recently been introduced is cash waqf. Cash waqf as an alternative to poverty alleviation has been implemented in several Islamic countries. In Bangladesh waqf has been managed by Social Investment Bank Ltd (SIBL) which has developed a social capital market in the voluntary sector, cash waqf opens unique opportunities for investment creation in the fields of religion, education and social services. This research is a qualitative research that is literature review. The approach used is descriptive critical analysis. Types and sources of data are secondary data obtained from research results, articles and reference books that discuss the same topic. Waqf is a muamalah activity that has spiritual, social and economic dimensions. Traditionally, so far, waqf has only been interpreted as a gift in the form of immovable property such as land and buildings whose purpose is limited to the construction of houses of worship and education. However, in fact waqf of movable goods such as cash waqf (money) has long been practiced by Muslims such as during the Umayyad and Abbasid dynasties, only not as popular as land or building waqf. Currently, along with the development of public understanding of Islamic philanthropic practices, waqf especially cash waqf is directed towards economic development and empowerment,","PeriodicalId":152041,"journal":{"name":"JPSDa: Jurnal Perbankan Syariah Darussalam","volume":"81 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-08-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131737103","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Analisis Penetapan Ujrah Menurut Ekonomi Islam Studi Kasus BMT UGT Sidogiri Glenmore","authors":"Anggita Desy Mayang Rianti, Sofi Faiqotul Hikmah","doi":"10.30739/jpsda.v1i2.1015","DOIUrl":"https://doi.org/10.30739/jpsda.v1i2.1015","url":null,"abstract":"This study aims to find out 1) How is the analysis of determination of the case study of hajj funding financing case study at BMT UGT Sidogiri Glenmore?, 2) What is the Islamic Economic perspective on the determination of the ujroh in financing the hajj bailout fund at BMT UGT Sidogiri Glenmore?This type of research uses the type of field research, with a descriptive qualitative approach, and the data collection technique used is a direct interview technique. The conclusion from the results of this study is related to the determination of ujrah which is in accordance with DSN fatwa no. 09 / DSN-MUI / IV / 2000, that the community's need to obtain the benefits of an item often requires another party through an ijarah agreement, namely the transfer of use rights (benefits) contract for an item / service within a certain time with lease payments (ujroh), without must be followed by the transfer of ownership of the goods themselves. Then that the contract (ijarah) is in accordance with Islamic teachings. DSN considers it necessary to stipulate a fatwa on the ijarah agreement to be used as a guideline by the LKS.","PeriodicalId":152041,"journal":{"name":"JPSDa: Jurnal Perbankan Syariah Darussalam","volume":"5 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122076966","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Faktor-Faktor Yang Mempengaruhi Loyalitas Anggota BMT UGT Sidogiri Capem Sempu","authors":"Muhamad Annas, Nawal ika Susanti, Siti Koyimah","doi":"10.30739/jpsda.v1i2.995","DOIUrl":"https://doi.org/10.30739/jpsda.v1i2.995","url":null,"abstract":"The competitive conditions of Islamic microfinance institutions, especially in BMTs are getting tighter from time to time, so that each BMT must create a new marketing strategy in order to maintain and gain a wider share and can increase the loyalty of its members, namely by improving the company's image and the quality of Islamic services as one factor. This study aims to determine the effect of corporate image and Islamic service quality on member loyalty at BMT UGT Sidogiri either partially or simultaneously. The method used is a quantitative approach with a sample of 80 respondents who are members of the BMT UGT Sidogiri Capem Sempu. This study uses multiple linear regression analysis. The results of this study indicate that there is a significant influence between corporate image and Islamic service quality on the loyalty of members of BMT UGT Sidogiri Capem Sempu either partially or simultaneously. Variable corporate image and Islamic service quality can explain the variable loyalty of members by 89.1%, which means that the image of the company and the quality of Islamic services affect the loyalty of members at BMT UGT Sidogiri Capem Sempu by 89.1%. And the model formed is Member Loyalty = 0.591 + 0.186 Corporate Image + 0.660 Islamic service quality.","PeriodicalId":152041,"journal":{"name":"JPSDa: Jurnal Perbankan Syariah Darussalam","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129073494","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Pengaruh Kepercayaan, Transparansi dan Akuntabilitas terhadap Minat dan Keputusan Muzakki Menyalurkan Zakat, di (LAZISNU) Kabupaten Banyuwangi","authors":"Muhammad kanzul Fikri, Ahmad ainun Najib","doi":"10.30739/jpsda.v1i2.890","DOIUrl":"https://doi.org/10.30739/jpsda.v1i2.890","url":null,"abstract":"The purpose of this study was to determine the effect of trust, transparency and accountability on muzakki's interests and decisions. Subjects in this study were muzakki in Banyuwangi district which were channeled through LAZISNU with a total of 110 respondents. This type of research uses quantitative methods with the type of experiment in the form of explanatory research. The results showed that there was a significant influence between trust in muzakki interest with tcount ˃ttable (4.390> 1.659) and a significance value of 0.00 <0.05. There is a significant influence between transparency on muzakki interest with tcount ˃ttabel (2.763> 1.659) and a significance value of 0.007 <0.05 and there is a significant effect between accountability on muzakki interest with tcount ˃ttabel (3.674> 1.659) and a significance value of 0.00 <0.05, and there is a significant influence between accountability on muzakki decisions with tcount ˃ttable (2.481> 1.659) and a significance value of 0.015 <0.05 and there is a significant influence between muzakki interest on muzakki decisions with tcount ˃ t table (3.905> 1.659) and a significance value of 0.00 <0.05, but the insignificant effect between trust in muzakki decisions with t count 0.05 and transparency towards decisions muzakki with tcount 0.05.","PeriodicalId":152041,"journal":{"name":"JPSDa: Jurnal Perbankan Syariah Darussalam","volume":"164 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115323884","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Strategi Pemasaran Produk Penghimpunan Dana Tabungan Rinjani Ib Bsr Pada Bprs Bumi Rinjani Kepanjen Kantor Kas Lawang","authors":"Yuliyanti M. Manan, Karima Nur Azizah","doi":"10.30739/jpsda.v1i2.999","DOIUrl":"https://doi.org/10.30739/jpsda.v1i2.999","url":null,"abstract":"Tingkat persaingan yang semakin tinggi antar bank dikarenakan banyaknya produk unggul yang diciptakan menjadi alasan untuk setiap bank meningkatkan strategi pemasaran. \u0000Seperti halnya bank syariah, BPRS dalam meningkatkan jumlah nasabah dan jumlah nominal penghimpunan dana adalah dengan menerapkan strategi pemasaran yang tepat dan menarik. BPRS mempunyai visi, misi, tujuan dan sasaran yang harus dicapai, sehingga strategi pemasaran perlu untuk dilakukan. \u0000               Penelitian ini bertujuan untuk mengetahui strategi pemasaran produk penghimpunan dana Tabungan Rinjani IB BSR pada BPRS Bumi Rinjani Kepanjen Kantor Kas Lawang \u0000Jenis penelitian yang digunakan adalah penelitian kualitatif berupa analisis deskriptif. Dimana data diperoleh melalui wawancara secara langsung dengan informan yang disebut dengan data primer dan data – data dari buku, jurnal dan literatur lainnya yang disebut dengan data sekunder. \u0000Berdasarkan hasil penelitian, maka dapat disimpulkan bahwa BPRS Bumi Rinjani Kepanjen kantor kas Lawang menerapkan beberapa strategi pemasaran pada produk Tabungan iB BSR yang dilakukan untuk mencapai tujuan pemasaran. Strategi tersebut diantaranya adalah menentukan Target Pasar, dilakukan dengan merangkul semua sasaran dengan strategi jalur nasabah dan pemanfaatan relasi. Menentukan Bauran Pemasaran melalui penerapan marketing mix 4P (product, price, promotion, place) serta strategi jemput bola dengan metode pendekatan, pengenalan diri, pengenalan produk (promosi) terhadap calon nasabah dengan mendatanginya secara langsung.","PeriodicalId":152041,"journal":{"name":"JPSDa: Jurnal Perbankan Syariah Darussalam","volume":"115 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124154725","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

{"title":"Peran BWM Al-Fithrah Wava Mandiri Surabaya terhadap UMKM (Nasabah BWM) yang usahanya terdampak Pandemi Covid 19: Fenomenologi Study","authors":"Ahlul Maghfiroh, Naylil Muna, Moh. Arifin, Nasyiatul Farida","doi":"10.30739/jpsda.v1i2.994","DOIUrl":"https://doi.org/10.30739/jpsda.v1i2.994","url":null,"abstract":"Penelitian ini di latar belakangi oleh hadirnya Pandemi Covid 19 di tengah perekonomian masyarakat, terlebih pada UMKM dimana daya jual beli akan menurun dengan adanya kebijakan PSBB yang di berlakukan, Peran pemerintah dan Lembaga keungan sangat di perlukan masyarakat, salah satunya adalah peran Bank Wakaf Mikro (BWM) dalam menaungi pelaku UMKM. Penelitian ini bertujuan untuk mengetahui peran BWM Al Fithrah Wava Mandiri Surabaya terhadap pelaku UMKM yang resmi terdaftar menjadi nasabahnya dimana usahnya benar-benar terdampak Pandemi Covid 19. Rumusan masalah dari penelitian ini : Pertama,  Siapa saja Pelaku UMKM yang resmi menjadi nasabah BWM Al Fithrah Wava Mandiri namun usahnya sangat terdampak pandemi Covid 19? Kedua, Sejauh mana Peran BWM dalam menindaklanjuti hal tersebut, dan yang ketiga adalah kebijakan yang akan di keluarkan BWM Al Fithrah Wava Mandiri yang menyudut pada permasalahan tersebut.Metode penelitian yang digunakan dalam penelitian ini adalah metode penelitian kualitatif dengan jenis penelitian Fenomenology Study, bersumber dari data primer yang diperoleh pada saat melakukan penelitian di BWM Al Fithrah Wava Mandiri Surabaya dan didukung dengan data sekunder yang dapat diperkuat dengan literatur review sebagai pelengkap dengan menggunkan teknik pengumpulan data melalui wawancara, observasi dan dokumetasi. Berdasarkan hasil penelitian di lapangan, Kebijakan Restrukturisasi yang di berikan BWM Al-Fithrah Wava Mandiri sangat berperan bagi nasabah BWM Al-Fithrah Wava Mandiri sebagai pelaku UMKM, Kebijakan ini sesuai dengan CNBC Indonesia-Presiden RI dalam keterangan pers hari selasa 24/3/2020 yang menyampaikan bahwa Otoritas Jasa Keuangan (OJK) memberikan kelonggaran atau relaksasi kredit yang diperuntukkan bagi usaha kecil dan pekerja informal yang sedang menjalankan angsuran, hal ini sangat membantu dan memudahkan nasabah sebagai pelaku UMKM mengenai keringanan waktu yang diberikan.","PeriodicalId":152041,"journal":{"name":"JPSDa: Jurnal Perbankan Syariah Darussalam","volume":"9 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127458175","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}