untitled IJIBEC International Journal of Islamic Business and Economics International Journal of Islamic Business and Economics Av a i l a b l e a t h t t p : / / e - j o u r n a l . i a i n p e k a l o n g a n . a c . i d / i n d e x . p h p / I J I B E C / ISSN 255-3216 Article history: Received: 07 Agustus 2017 Accepted: 17 Agustus 2017 Published: 1 December 2017 Keywords: early warning sign The Contribution of Nusantara Moslem Local Tradition on Micro Finance Risk Management in Indonesia (Case Study in Bondowoso Rural’s Banking) Nur Hidayat Faculty of Islamic Economics and Business of Institut Agama Islam Negeri (IAIN) Jember International Journal of Islamic Business and Economics, 1(2) December 2017, 7 7 - 8 678 The change strategy becomes a necessity, in all areas and sectors. The ability to adapt to change is CUSTOMER COMPANY COMPETITOR CHANGE indicators, does not consider the factor of consumer behavior due to consumer culture. According International Journal of Islamic Business and Economics, 1(2) December 2017, 7 7 - 8 6 79 to the mind, and the output of the human mind referred as a culture. Cultural values themselves are the values agreed upon and embedded within a community, the community, the scope of the The value of culture in the form of signs and symbols that are very diverse is also presented respect for nature and so on. human way of life to accept the changes and conduct business in a rapidly changing world without 4.1 Socio-Cultural on Bondowoso Society International Journal of Islamic Business and Economics, 1(2) December 2017, 7 7 - 8 680 ” referred to the shape of the region Madurese and Javanese as a pendhalungan society. Hijri 1 Sorah 2 Safar 7 10 11 12 Rerajeh The calendar used by the Pendhalungan society consist mostly with the Islamic nuances ”. It is as some of the money, food, power, and ideas. is intended to get International Journal of Islamic Business and Economics, 1(2) December 2017, 7 7 - 8 6 81 both for marriage or for circumcision deliberately in high amount. It is the provision of to be refunded in future. Most , . ” in the form of food or dish to deliver to their families or neighbors 4.2 Banking in the Bondowoso Area Assets Deposit Loan NPL LDR The development of Micro Loans International Journal of Islamic Business and Economics, 1(2) December 2017, 7 7 - 8 682 every month. have a unique behavior. Credit borrowing behavior, installment loans, saving and investments January January March March April April May May International Journal of Islamic Business and Economics, 1(2) December 2017, 7 7 - 8 6 83 June June July July August August September September November November December December Masehi January January March March April April May May June June July July August August September September November November December Shafar December January Deposit on Micro Finance International Journal of Islamic Business and Economics, 1(2) December 2017, 7 7 - 8 684 Non-Performing Loan International Journal of Islamic Business and Economics, 1(2) December 2017, 7 7 - 8 6 85 ” or others became the mainstay of the community investment product. Some bad debt customer that most because they have perceived that the cow was not a business commodity to trade, but it was an 1. were worse compared with similar companies in general or the business past performance. 2. International Journal of Islamic Business and Economics, 1(2) December 2017, 7 7 - 8 686 the right amount and the right people. . School, Philadelphia, PA. verging?. , . . Jember: Kompyawisda. Another Sources Website : www.bi.go.id www.bps.go.id