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All Journal Journal of Artificial Intelligence and Digital Business Jurnal Edukasi Al-Amanah
Indah Anggraeni Bakhtiar
Institut Agama Islam Al-Amanah Jeneponto
Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering

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Analisis Sistem Bagi Hasil (Assibagei) Berbasis Akad Mudharabah Musytarakah pada Ternak Sapi di Kecamatan Arungkeke Kabupaten Jeneponto Dewi Purnama; Nurfitriani Nurfitriani; Indah Anggraeni Bakhtiar; Syaripuddin Syaripuddin
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 2 (2026): Mei-Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i2.9872

Abstract

Penelitian ini bertujuan untuk menganalisis sistem bagi hasil Assibagei pada usaha ternak sapi, mengkaji kesesuaiannya dengan akad mudharabah musytarakah, serta mengidentifikasi kelebihan dan tantangannya dalam perspektif ekonomi syariah. Penelitian menggunakan pendekatan kualitatif deskriptif dengan jenis penelitian fenomenologi. Data diperoleh melalui observasi, wawancara, dan dokumentasi, kemudian dianalisis menggunakan model interaktif Miles dan Huberman yang meliputi reduksi data, penyajian data, serta penarikan kesimpulan. Keabsahan data diuji melalui triangulasi sumber. Hasil penelitian menunjukkan bahwa Assibagei merupakan sistem kerja sama peternakan berbasis kepercayaan yang dilakukan secara lisan antara pemilik modal dan pengelola ternak, dengan pembagian hasil berdasarkan keturunan sapi yang lahir selama masa kerja sama. Ditinjau dari akad mudharabah musytarakah, praktik Assibagei telah memenuhi unsur pelaku akad, modal, dan ijab qabul secara substantif. Namun, aspek kejelasan nilai modal, penetapan nisbah keuntungan, dan mekanisme penanganan kerugian belum sepenuhnya sesuai dengan ketentuan akad karena masih bergantung pada kebiasaan lokal dan kesepakatan lisan. Praktik ini memiliki kelebihan berupa penguatan nilai ta’awun, perluasan akses usaha peternakan, dan pemberdayaan ekonomi masyarakat. Di sisi lain, ketiadaan akad tertulis, kurangnya transparansi modal, dan belum jelasnya pembagian risiko menjadi tantangan utama. Oleh karena itu, diperlukan penguatan aspek akad dan administrasi usaha tanpa menghilangkan nilai-nilai kearifan lokal yang menjadi karakteristik Assibagei.
The Effects of Education, Training, and Career Development onEmployee Performance and Human Resource Competence inIslamic Banking: Empirical Evidence from Makassar, Indonesia M. Rafid Marwal; Indah Anggraeni Bakhtiar
Jurnal Edukasi Al-Amanah Vol. 2 No. 01 (2026): April
Publisher : Jurnal Edukasi Al-Amanah

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

Abstract

This study investigates the effects of education, training, and career development on employee performance and Islamic Human Resource (IHR) competence within Islamic banking institutions in Makassar, Indonesia. Drawing on human capital theory and competency-based management frameworks, the research also examines the mediating role of IHR competence in the relationships between these antecedent variables and employee performance. A quantitative cross-sectional design was utilized, with primary data collected through structured questionnaires from 200 employees of Islamic banks in Makassar between July and September 2020. Data analysis was conducted using Structural Equation Modeling (SEM) with AMOS 18.0. The findings indicate that: (1) education has a significant negative effect on IHR competence; (2) training has a significant positive effect on IHR competence; (3) career development has a positive but non-significant effect on IHR competence; (4) education, training, and career development each have a significant positive effect on employee performance; (5) IHR competence significantly and positively affects employee performance; and (6) IHR competence significantly mediates the effects of education and training on employee performance, but not the effect of career development. These results have important implications for human resource management practices in Islamic banking and contribute to the literature on competency-based performance management in the Islamic finance sector.
Co-Authors Dewi Purnama M. Rafid Marwal Nurfitriani Nurfitriani Syaripuddin Syaripuddin