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All Journal JURNAL ILMIAH PENELITIAN MAHASISWA Jurnal Ilmiah Nusantara
Syarif Hidayatullah
Institut Ilmu Al-Qur’an, Jakarta
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Library & Information Science Medicine & Pharmacology Social Sciences

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Praktik Manajemen Risiko di BPRS Harum Hikmahnugraha dalam Perspektif POJK 23/2018 dan SEOJK 03/2023 Azka Ulqia Purwina; Syarif Hidayatullah
JURNAL ILMIAH NUSANTARA Vol. 3 No. 3 (2026): Jurnal Ilmiah Nusantara Mei 2026
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jinu.v3i3.9936

Abstract

This research aims to answer the question regarding how risk management is implemented in Islamic Rural Banks (BPRS), specifically at BPRS Harum Hikmahnugraha, as well as to compare it with the condition of other BPRS that have not yet had an adequate risk management system, such as BPRS “Amanah Sejahtera.” The research method used was field research with a qualitative type, through natural observation and focused interviews with informants from BPRS Harum Hikmahnugraha. The results of the study show that there are still BPRS which have not applied a clear risk assessment system in financing distribution, thus potentially causing problems in the feasibility of customers’ businesses. Meanwhile, at BPRS Harum Hikmahnugraha, risk management policies have been applied in an integrated manner, including risk identification, measurement, monitoring, control, communication, and reporting. The practice is already in accordance with POJK Number 23 of 2018 and SEOJK Number 03 of 2023, with comprehensive coverage including credit, operational, compliance, liquidity, reputation, and strategic risks.
Analisis Fikih Muamalah Terhadap Praktik Arisan Kurban di Desa Babeko Syarif Hidayatullah; Al-Maratussoleha
JURNAL ILMIAH PENELITIAN MAHASISWA Vol 4 No 5 (2026): Oktober
Publisher : Kampus Akademik Publiser

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jipm.v4i5.2968

Abstract

This study aims, first, to analyze the practice of sacrificial savings (arisan kurban) carried out in Babeko Village, Batin II Babeko Subdistrict, Muara Bungo Regency, and second, to analyze the fiqh muamalah perspective on the practice of sacrificial savings in Babeko Village, Batin II Babeko Subdistrict, Muara Bungo Regency. The research method used is a qualitative method in the form of a case study with an empirical approach. The primary data were obtained from interviews with the head of the sacrificial savings group in Babeko Village, Batin II Babeko Subdistrict, Muara Bungo Regency, while the secondary data were taken from books, theses, scientific works, and journals related to fiqh muamalah on sacrificial savings. The results of this study show, first, regarding the practice of sacrificial savings in Babeko Village, Batin II Babeko Subdistrict, Muara Bungo Regency. The practice of sacrificial savings consists of group members who agree to pay contributions that have been determined at the beginning. The collected funds are then used to purchase sacrificial animals, and members who have the turn to perform the sacrifice are chosen by drawing lots until all members have had their turn. Second, the practice of sacrificial savings is considered invalid (fasid) because there are problems related to the object of the contract, namely the sacrificial animal. The object does not fulfill the requirements of the contract since the fluctuating price of animals during the long period of the savings causes differences in the quality or type of sacrificial animals obtained by each member. This creates an element of gharar (uncertainty) in its implementation.
Co-Authors Al-Maratussoleha Azka Ulqia Purwina