Peningkatan Business Sustainability Dengan Itqan Financing Risk Management Pada Koperasi Simpan Pinjam Syariah Di Jawa Tengah
Keywords:
Itqan Financing Risk Identification, Itqan Financing Risk Assessment, Itqan Financing Risk Monitoring, Business SustainabilityAbstract
Koperasi Simpan Pinjam Dan Pembiayaan Syariah (KSPPS) dalam pengelolaannya sering mengalami rendahnya tingkat likuiditas. Hal tersebut disebabkan adanya penarikan dana dalam jumlah besar oleh anggota KSPPS pada bulan menjelang hari raya dan tahun ajaran baru, ketidak lancaran pembayaran angsuran pembiayaan, yang selanjutnya akan menurunkan kemampuan KSPPS dalam mempertahankan keberlanjutan usahanya. Oleh karena itu, tujuan penelitian ini bertujuan untuk mengetahui pengaruh Itqan Financing Risk Management (IFRM) terhadap peningkatan Business Sustainability pada Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) di Jawa Tengah. Penelitian ini bersifat explanatory research dengan menggunakan data primer dan sekunder. Populasi dalam penelitian seluruh KSPPS (BMT anggota PBMTI dan BTM) di Jawa Tengah, dan kami menyebarkan sebanyak 200 kuesioner melalui google form dan diperoleh 122 responden mengisi google form. Berdasarkan kriteria metode purposive sampling data diseleksi sehingga diperoleh 105 data KSPPS anggota PBMTI dan BTM Jaringan Jawa Tengah yang sesuai dengan kriteria. Analisis data penelitian ini menggunakan Partial Least Square (PLS) berbasis The Structural Equation Modelling (SEM). Hasil penelitian menemukan bahwa Itqan Financing Risk Identification, Itqan Financing Risk Assessment, dan Itqan Financing Risk Monitoring memiliki peran penting dalam meningkatkan Business Sustainability. Diharapkan kontribusi Itqan Financing Risk Identification, Itqan Financing Risk Assessment, dan Itqan Financing Risk Monitoring memberikan pemahaman bahwa financing risk management yang menerapkan nilai-nilai itqan dapat meningkatkan Business Sustainability dan mampu memastikan bahwa KSPPS sesuai dengan nilai-nilai syariah.
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