Article Per Year (5 Year)
p-Index From 2021 - 2026
0.702
P-Index
This Author published in this journals
All Journal Cross-Border Journal of Business Management Jurnal Ilmu Pendidikan dan Kearifan Lokal (JIPKL)
Sulastri
Universitas Sultan Muhammad Syafiuddin Sambas
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Published : 4 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 4 Documents
Search

 1 
STRATEGI WANPRESTASI DALAM PEMBIAYAAN KEPEMILIKAN RUMAH PADA AKAD MUSYRAKAH MUTANAQISAH DI BANK KALBAR CABANG SYARIAH SAMBAS Sri Devi; Sulastri
Cross-Border Journal of Business Management Vol. 6 No. 2 (2026): Cross-Border Journal of Business Management
Publisher : Institut Agama Islam Sultan Muhammaad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research aims to analyze the default handling strategy and the factors causing defaults in home ownership financing using the Musyarakah Mutanaqisah contract at Bank Kalbar Sambas Sharia Branch. This research employs a qualitative approach with a descriptive research type and a case study design. Data collection was carried out through in-depth interviews with bank management and staff, customers experiencing defaults, direct observation at the research site, and official bank documentation. The results show that the implemented default handling strategy is carried out in stages, starting with a persuasive approach and customer guidance according to collectibility levels, followed by restructuring in the form of rescheduling, reconditioning, and voluntary collateral execution without increasing the customer’s principal obligation burden. Factors causing defaults include unstable economic conditions and income, limited location access and payment facilities, poor character and financial management skills of customers, and family problems. The implemented strategy is aligned with sharia principles, yet improvements are still needed in the initial verification stage for prospective customers and expansion of payment service coverage.
UPAYA KEPALA SEKOLAH MENGATASI KESULITAN GURU KELAS IV DALAM MENGAJAR PADA KURIKULUM MERDEKA SDN 19 SEBAMBANG TAHUN PELAJARAN 2024/2025 Sulastri; Arnadi; Parni
Jurnal Ilmu Pendidikan dan Kearifan Lokal Vol. 4 No. 4 (2026): Jurnal Ilmu Pendidikan dan Kearifan Lokal (JIPKL)
Publisher : CV. ADIBA ASIHA AMIRA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research began from the difficulties teachers face in the teaching process using the independent curriculum. The purpose of this study is to describe: 1) The principal's strategies for overcoming the difficulties faced by fourth-grade teachers in teaching using the independent curriculum, 2) Describing the forms of the principal's efforts to overcome the difficulties of fourth-grade teachers in teaching using the independent curriculum, 3) Describing the results of the principal's efforts in overcoming the difficulties of fourth-grade teachers in teaching using the independent curriculum. This research uses a qualitative approach with a descriptive research type. The data collection techniques in this study used interviews, observations, and documentation. The data analysis techniques used are data reduction, data presentation, and drawing conclusions. The techniques for checking data validity used are source triangulation and member check. The results of this study show that: 1) How the principal's strategy to overcome The difficulties faced by fourth-grade teachers in teaching using the Merdeka curriculum at SD Negeri 19 Sebambang are that the principal conducts supervision, provides facilities and infrastructure, uses a consultative approach and mentorship, and encourages training and workshops. 2) The efforts of the principal to overcome the difficulties faced by fourth-grade teachers in teaching using the Merdeka curriculum at SD Negeri 19 Sebambang are conducting scheduled supervision, organizing internal training and workshops, encouraging teacher collaboration (KKG), facilitating the use and development of learning resources, providing motivation and appreciation, conducting periodic evaluation and monitoring, building positive communication, and encouraging teachers to innovate. 3) The results of the principal's efforts in overcoming teachers' difficulties in teaching using the Merdeka curriculum at SD Negeri 19 Sebambang are increased teacher competence, improved learning quality, the implementation of differentiated learning, and teachers more independent and collaborative, changes in teaching methods, improvement in student learning outcomes, teachers are more professional.
STRATEGI RETENSI KARYAWAN DALAM MENINGKATKAN EMPLOYEE ENGAGEMENT PADA BANK KALBAR SYARIAH CABANG SAMBAS Damayanti; Oscar Hutagaluh; Sulastri
Cross-Border Journal of Business Management Vol. 6 No. 2 (2026): Cross-Border Journal of Business Management
Publisher : Institut Agama Islam Sultan Muhammaad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze employee retention strategies in improving employee engagement at Bank Kalbar Syariah Sambas Branch. Employee retention is an important aspect of human resource management because an organization's ability to retain qualified employees can support organizational sustainability and the achievement of its objectives. This study employed a qualitative descriptive approach using field research. Data were collected through interviews and documentation, while informants were selected purposively based on their involvement and knowledge of employee management at Bank Kalbar Syariah Sambas Branch. Data were analyzed interactively through data reduction, data presentation, and conclusion drawing, supported by source triangulation. The findings indicate that employee retention strategies are implemented through compensation, rewards, and career development opportunities. These strategies contribute to employee engagement by creating a sense of appreciation, motivation, opportunities for professional growth, and willingness to remain part of the organization. Employee engagement is also supported by seven main aspects: work environment, leadership, coworker relationships, training and career development, compensation, organizational policies/procedures/structure/systems, and workplace well-being. The study demonstrates that comprehensive employee retention strategies can create a conducive work environment, enhance employee loyalty and motivation, and encourage employees to become more actively engaged in achieving organizational goals. Therefore, strengthening retention strategies should be carried out continuously by considering employee needs while maintaining sharia values in human resource management.
PELAKSANAAN ANGGARAN PENDAPATAN DAN BELANJA DESA DALAM MENINGKATKAN KESEJAHTERAAN PERSFETIF MAQASID SYARIAH DI SEMPALAI SEBEDANG KEC. SEBAWI KAB SAMBAS Ulrizan; iwan Kusnadi; Sulastri
Cross-Border Journal of Business Management Vol. 6 No. 2 (2026): Cross-Border Journal of Business Management
Publisher : Institut Agama Islam Sultan Muhammaad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the implementation of the Village Revenue and Expenditure Budget (APBDes) in improving community welfare and to examine its implementation from the perspective of maqasid al-shariah in Sempalai Sebedang Village, Sebawi District, Sambas Regency. This research employed a qualitative approach using field research. Data were collected through observation, in-depth interviews, and documentation involving village government officials, the Village Consultative Body (BPD), and community members as research informants. Data analysis consisted of data reduction, data presentation, and conclusion drawing and verification. The findings indicate that APBDes implementation is directed toward infrastructure development, health services, education, social protection, economic empowerment, and religious activities. Improvements in community welfare can be identified through three aspects: social justice, economic justice, and democratic justice. Social justice is reflected in the implementation of village direct cash assistance and health services; economic justice is demonstrated through development activities involving local residents as workers and empowerment training; while democratic justice is reflected in community deliberation and supervision by the BPD. From the perspective of maqasid al-shariah, APBDes implementation is related to five main objectives: hifz al-din through support for religious activities, hifz al-nafs through health services, hifz al-'aql through educational support, hifz al-nasl through stunting prevention and nutritional assistance, and hifz al-mal through economic empowerment, employment opportunities, and community security. The study concludes that APBDes implementation in Sempalai Sebedang Village is directed toward fulfilling both the material and non-material needs of the community and is consistent with efforts to promote public welfare through the principles of maqasid al-shariah
Co-Authors Arnadi Damayanti Iwan Kusnadi Oscar Hutagaluh Parni Sri Devi Ulrizan