The role of social capital in reducing the level of non-performing loans: A case study on the Mawar Emas Program of West Nusa Tenggara

Muhamad Ali; Supiandi Supiandi; Muhammad Azizurrohman; Padlurahman Padlurahman; Baiq Mulianah

doi:10.53730/ijhs.v6nS9.12558

Authors

Muhamad Ali Master of Basic Education, Universitas Hamzanwadi, Indonesia
Supiandi
supiandi156@gmail.com
Economics Department, Universitas Nahdlatul Ulama Nusa Tenggara Barat, Indonesia
Muhammad Azizurrohman Tourism Department, Sekolah Tinggi Pariwisata Mataram, Indonesia
Padlurahman Master of Basic Education, Universitas Hamzanwadi, Indonesia
Baiq Mulianah Economics Department, Universitas Nahdlatul Ulama Nusa Tenggara Barat, Indonesia

Keywords:

NPF, Mawar Emas, Social Capital, MES, NTB

Abstract

In various studies, social capital is believed to be the answer to problems related to loan repayment problems. The purpose of this study was to find out the reasons for the successful financing of the Mawar Emas program in reducing NPF numbers in West Nusa Tenggara. The author interviewed MES secretaries, mosque administrators, beneficiaries, NTB Sharia Banks, and academics from several universities using a qualitative descriptive method. To support these data, the authors obtained a two-year payment document for the Mawar Emas program. This study found that Mawar Emas financing does not burden customers because of small dependents, the group leader is responsible for collecting and paying debts to the NTB Sharia Bank, NTB Sharia Bank and the Islamic Economic Community (MES) to train and assist mosques and fund recipients, MES and mosques collaborate to hold bazaars for debtor businesses to increase their profits.

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