Analysis Mandatory Policy of “Berkah Digital” Application in Murabâhah Financing at BMT Assafi'iyah Berkah Nasional Metro, Indonesia
DOI:
https://doi.org/10.24090/ej.v14i1.16089Keywords:
Berkah Digitals, Murabahah, Financing Optimization, BMTAbstract
This study aims to analyze the effectiveness of the mandatory policy requiring the use of the Berkah Digital application to optimize the distribution and supervision of murâbahah financing at BMT Assafiyah Berkah Nasional Metro. Digital transformation is seen as crucial to improving the operational efficiency of Islamic microfinance institutions. The research method used is a qualitative descriptive approach, with data collected through in-depth interviews, observations, and documentation. The results show that although these policies aim to speed up administration and increase transparency, on-the-ground practices are not yet fully optimal. The application's implementation has succeeded in facilitating systematic installment control. Still, its effectiveness is significantly hampered by the low digital literacy of senior members and by frequent network technical constraints. As a result, part of the supervision process is still carried out manually and has not been fully integrated according to the policy target. Overall, this policy provides a good foundation for digitalization, but requires an in-depth evaluation of the readiness of human resources and supporting infrastructure to ensure the optimization of murâbahah financing can be achieved in a truly accountable manner.References
Harahap, B. A., Idham, P. B., M, A. C., & Rakhman, R. N. (2017). Perkembangan Financial Technology terkait Central Bank Digital Currency ( CBDC ) Terhadap Transmisi Kebijakan Moneter dan Makroekonomi. 0–80.
Ismail, T. H. (2011). Intellectual Capital Reporting In Knowledge Economy of Egypt. International Journal of Critical Accounting, 3(2–3), 293–317.
Junitasari, D. (2020). Penerapan Pembiayaan Murâbahah pada Kantor Kas BMT Dana Barokah Muntilan Kabupaten Magelang. 3(2), 233–254.
Kamalia, A. P. K., & Azra, I. (2024). Peran Fintech dalam Meningkatkan Efisiensi Sistem Informasi Bank Syariah. JEKIS: Jurnal Ekonomi Islam, 2(3).
Laporan Perkembangan Keuangan Syari’ah Indonesia 2024. (2024). https://ojk.go.id/id/kanal/syariah/data-dan-statistik/laporan-perkembangan-keuangan-syariah-indonesia/Pages/Laporan-Perkembangan-Keuangan-Syariah-Indonesia-2024.aspx
Marino-Romero, J. A., & Folgado-Fernández, J. A. (2024). Digital Transformation: A Literature Review in the Context of International Economies and Finance. South African Journal of Business Management, 55(1), 4370.
Miles, Matthew B., & Huberman, A. M. (1994). Qualitative Data Analysis: An Expanded Sourcebook. Sage Publications.
Mubarak, M. R. (2025). Implementasi Kemampuan Dinamis untuk Menghadapi Transformasi Digital dan Meningkatkan Inovasi di Lembaga Keuangan Mikro Syariah. Universitas Islam Indonesia. dspace.uii.ac.id/123456789/55414
Muneeza, A., & Hassan, R. (2014). Shari’ah Corporate Governance: The Need for a Special Governance Code. Corporate Governance, 14(1), 120–129. https://doi.org/10.1108/CG-02-2011-0015
Nugraha, D. H. (2023). Peran Financial Technology pada Lembaga Keuangan Mikro Syariah. QULUBANA: Jurnal Manajemen Dakwah, 3(2), 65–79. https://doi.org/10.54396/qlb.v3i2.667
Nuraini, A., Fitriyani, Y., & Aini, Q. (2024). Optimalisasi Pembiayaan Murâbahah dalam Meningkatkan Pendapatan Pembiayaan Di KSPP Al-Husna Secang. Jurnal Ekonomi Dan Perbankan Syariah, 9(204), 806–817. https://www.doi.org/10.30651/jms.v9i2.22159
Selvia, H., & Rahman, H. (2021). Strategi Pemasaran Pembiayaan Akad Murâbahah pada BMT NU Cabang Pragaan dalam Meningkatkan Profitabilitas. EKSYAR: Ekonomi Syari’ah Dan Bisnis Islam (e-Journal), 8(1), 126–147.
Sugiyono. (2019). Metode Penelitian Kualitatif, Kuantitatif, dan R&D. Alfabeta.
Taftazani, H. S., Fajri, M., Awan, N. T., Kertonegoro, S., & Bagaskara, V. S. (2025). Peran Teknologi Keuangan dalam Mendorong Inklusi Keuangan di Era Digital. Jurnal Pendidikan Tambusai, 9(2).
Van Meter, D. S., & Van Horn, C. E. (1975). The Policy Implementation Process: A Conceptual Framework. Administration & Society, 6(4), 445–488. https://doi.org/10.1177/009539977500600404
Vial, G. (2021). Understanding Digital Transformation: A Review and a Research Agenda. Managing Digital Transformation, 13–66.
Wang, H., Mao, K., Wu, W., & Luo, H. (2023). Fintech Inputs, Non-Performing Loans Risk Reduction and Bank Performance Improvement. International Review of Financial Analysis, 90, 102849. https://doi.org/10.1016/j.irfa.2023.102849
Winarno, B. (2002). Teori dan Proses Kebijakan Publik. Media Pressindo.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Rain Maulita, Ika Trisnawati Alawiyah
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
