以伊斯兰微融资风险管理为基础的社会特征的分析(合作伙伴Manindo,摄政Mandailing Natal,北苏门答腊)

Lokot Zein Nasution
{"title":"以伊斯兰微融资风险管理为基础的社会特征的分析(合作伙伴Manindo,摄政Mandailing Natal,北苏门答腊)","authors":"Lokot Zein Nasution","doi":"10.56874/islamiccircle.v1i1.97","DOIUrl":null,"url":null,"abstract":"Distribution of Islamic microfinance is often constrained by the characteristics of the poor who tend to be conservative. This has implications for the difficulty of efforts to improve the welfare of the poor through increased work ethic and productivity. Various discourses propose the application of risk management based on mapping the characteristics of the poor in the distribution of micro-scale financing, including for the sharia segment. Therefore, this study aims to analyze the characteristics of the poor as the basis for risk management of Islamic micro finance. This research takes a case study on the Mitra Manindo Cooperative in Mandailing Natal Regency, North Sumatra Province. The research method was carried out by taking 102 research samples using questionnaires and analyzed through the development analysis approach. The results of the study concluded that: (i) Mitra Manindo Cooperative members have different business characteristics and performance; (ii) each member has a different level of business problems; and (iii) each member has different characteristics, especially in the work ethic. Characteristics of members in general can be categorized into four clusters, namely dynamic, active, passive, and potential. Based on these results, a cluster-based management method is needed which has implications for the urgency of financing management as a form of financing mitigation. Characteristic mapping is an effort to reduce the uncertainty (gharar) of sharia microfinance governance that emphasizes the importance of transparency, fairness, and equity. This finding can be a proliferation in constructing the mapping design of the characteristics of the poor as a single segment of microfinance.","PeriodicalId":143943,"journal":{"name":"Islamic Circle","volume":null,"pages":null},"PeriodicalIF":0.0000,"publicationDate":"2020-07-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Analisis Manajemen Risiko Pembiayaan Mikro Syariah Berbasis Karakteristik Masyarakat (Studi pada Koperasi Mitra Manindo, Kabupaten Mandailing Natal, Sumatera Utara)\",\"authors\":\"Lokot Zein Nasution\",\"doi\":\"10.56874/islamiccircle.v1i1.97\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"Distribution of Islamic microfinance is often constrained by the characteristics of the poor who tend to be conservative. This has implications for the difficulty of efforts to improve the welfare of the poor through increased work ethic and productivity. Various discourses propose the application of risk management based on mapping the characteristics of the poor in the distribution of micro-scale financing, including for the sharia segment. Therefore, this study aims to analyze the characteristics of the poor as the basis for risk management of Islamic micro finance. This research takes a case study on the Mitra Manindo Cooperative in Mandailing Natal Regency, North Sumatra Province. The research method was carried out by taking 102 research samples using questionnaires and analyzed through the development analysis approach. The results of the study concluded that: (i) Mitra Manindo Cooperative members have different business characteristics and performance; (ii) each member has a different level of business problems; and (iii) each member has different characteristics, especially in the work ethic. Characteristics of members in general can be categorized into four clusters, namely dynamic, active, passive, and potential. Based on these results, a cluster-based management method is needed which has implications for the urgency of financing management as a form of financing mitigation. Characteristic mapping is an effort to reduce the uncertainty (gharar) of sharia microfinance governance that emphasizes the importance of transparency, fairness, and equity. This finding can be a proliferation in constructing the mapping design of the characteristics of the poor as a single segment of microfinance.\",\"PeriodicalId\":143943,\"journal\":{\"name\":\"Islamic Circle\",\"volume\":null,\"pages\":null},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2020-07-10\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Islamic Circle\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.56874/islamiccircle.v1i1.97\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Islamic Circle","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.56874/islamiccircle.v1i1.97","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 0

摘要

伊斯兰小额信贷的分布往往受到穷人的特点的限制,他们往往是保守的。这就影响了通过提高职业道德和生产力来改善穷人福利的努力的难度。各种论述建议在绘制穷人特征的基础上应用风险管理来分配微型融资,包括伊斯兰教法部分。因此,本研究旨在分析穷人的特征,作为伊斯兰小额金融风险管理的基础。本研究以北苏门答腊省曼达林纳塔尔县的米特拉马尼多合作社为例进行了研究。研究方法采用问卷调查的方式,选取102个研究样本,通过发展分析法进行分析。研究结果表明:(i) Mitra Manindo合作社成员具有不同的业务特征和业绩;(ii)各成员的业务问题程度不同;(三)每个成员都有不同的特点,特别是在职业道德方面。成员的特征一般可以分为四类,即动态、主动、被动和潜在。根据这些结果,需要一种基于集群的管理方法,这对融资管理作为一种缓解融资形式的紧迫性具有影响。特征映射是一项努力,旨在减少伊斯兰教小额信贷治理的不确定性(gharar),强调透明、公平和平等的重要性。这一发现可以在构建将穷人作为小额信贷的一个单一部分的特征的绘图设计方面起到推广作用。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Analisis Manajemen Risiko Pembiayaan Mikro Syariah Berbasis Karakteristik Masyarakat (Studi pada Koperasi Mitra Manindo, Kabupaten Mandailing Natal, Sumatera Utara)
Distribution of Islamic microfinance is often constrained by the characteristics of the poor who tend to be conservative. This has implications for the difficulty of efforts to improve the welfare of the poor through increased work ethic and productivity. Various discourses propose the application of risk management based on mapping the characteristics of the poor in the distribution of micro-scale financing, including for the sharia segment. Therefore, this study aims to analyze the characteristics of the poor as the basis for risk management of Islamic micro finance. This research takes a case study on the Mitra Manindo Cooperative in Mandailing Natal Regency, North Sumatra Province. The research method was carried out by taking 102 research samples using questionnaires and analyzed through the development analysis approach. The results of the study concluded that: (i) Mitra Manindo Cooperative members have different business characteristics and performance; (ii) each member has a different level of business problems; and (iii) each member has different characteristics, especially in the work ethic. Characteristics of members in general can be categorized into four clusters, namely dynamic, active, passive, and potential. Based on these results, a cluster-based management method is needed which has implications for the urgency of financing management as a form of financing mitigation. Characteristic mapping is an effort to reduce the uncertainty (gharar) of sharia microfinance governance that emphasizes the importance of transparency, fairness, and equity. This finding can be a proliferation in constructing the mapping design of the characteristics of the poor as a single segment of microfinance.
求助全文
通过发布文献求助,成功后即可免费获取论文全文。 去求助
来源期刊
自引率
0.00%
发文量
0
×
引用
GB/T 7714-2015
复制
MLA
复制
APA
复制
导出至
BibTeX EndNote RefMan NoteFirst NoteExpress
×
提示
您的信息不完整,为了账户安全,请先补充。
现在去补充
×
提示
您因"违规操作"
具体请查看互助需知
我知道了
×
提示
确定
请完成安全验证×
copy
已复制链接
快去分享给好友吧!
我知道了
右上角分享
点击右上角分享
0
联系我们:info@booksci.cn Book学术提供免费学术资源搜索服务,方便国内外学者检索中英文文献。致力于提供最便捷和优质的服务体验。 Copyright © 2023 布克学术 All rights reserved.
京ICP备2023020795号-1
ghs 京公网安备 11010802042870号
Book学术文献互助
Book学术文献互助群
群 号:481959085
Book学术官方微信