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Efektivitas Pembiayaan Murabahah, Mudharabah, dan Musyarakah pada Pendapatan Nasabah Koperasi Syariah Kurdiyawan, Muhammad; Mu’ah; Sayyid, Mokhtar
Jurnal Media Komunikasi Ilmu Ekonomi Vol 42 No 2 (2025): MELATI: Jurnal Media Komunikasi Ilmu Ekonomi Desember 2025
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Institut Teknologi dan Bisnis Ahmad Dahlan Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58906/melati.v42i2.333

Abstract

Penelitian ini bertujuan untuk mengeksplorasi efektivitas penerapan pembiayaan berbasis akad Murabahah, Mudharabah, dan Musyarakah dalam praktik koperasi syariah. Pendekatan penelitian yang digunakan adalah kualitatif dengan teknik pengambilan informan secara snowball, melibatkan pengelola koperasi, tenaga pemasaran, tokoh masyarakat, dan nasabah. Data dikumpulkan melalui observasi, wawancara mendalam, dan dokumentasi, kemudian dianalisis menggunakan tahapan reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan bahwa penerapan akad Mudharabah dinilai efektif dalam mendukung aktivitas ekonomi nasabah, sementara akad Murabahah dan Musyarakah menunjukkan tingkat efektivitas yang lebih tinggi dalam konteks pemanfaatan pembiayaan dan pengelolaan modal. Temuan lapangan juga mengindikasikan bahwa kepuasan nasabah, penerapan prinsip syariah, rasa aman, dan fleksibilitas layanan menjadi faktor pendukung utama efektivitas pembiayaan. Di sisi lain, keterbatasan strategi distribusi produk, penurunan minat pada akad Musyarakah, serta persaingan modal awal dengan lembaga keuangan lain menjadi faktor penghambat dalam implementasi pembiayaan syariah. Penelitian ini memberikan pemahaman empiris mengenai dinamika efektivitas pembiayaan syariah dalam konteks koperasi serta implikasinya bagi penguatan praktik keuangan syariah berbasis komunitas.
PENGARUH KOMPENSASI FINANSIAL DAN KOMPENSASI-NON FINANSIAL TERHADAP KNERJA KARYAWAN DI RS MUHAMADIYAH BABAT Darianto, Darianto; Mas'adah, Mas'adah; Mu'ah; Surya Ariefin, Mesra; Sayyid, Mokhtar
Media Mahardhika Vol. 24 No. 2 (2026): January 2026
Publisher : STIE Mahardhika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29062/mahardika.v24i2.1453

Abstract

This study aims to analyze the effect of financial and non-financial compensation on employee performance at Muhammadiyah Babat Hospital. Employee performance is a key factor in ensuring quality health services and patient satisfaction. This study uses a quantitative approach with an explanatory research method. Data were obtained by distributing questionnaires to hospital employees using proportional sampling techniques. Data analysis was performed using multiple linear regression with the help of SPSS. The results showed that financial compensation had a positive and significant effect on employee performance. Non-financial compensation was also found to have a positive and significant effect on employee performance. Simultaneously, financial and non-financial compensation significantly affect employee performance. These findings indicate that a balanced compensation policy between financial and non-financial aspects is very important in improving hospital employee performance. This study is expected to serve as a basis for hospital management in formulating sustainable human resource management strategies.
Sustainable tourism village development strategy to improve community welfare through a balanced scorecard approach in jombang regency Mas’adah, Mas’adah; Sayyid, Mokhtar; Wiratama, Dadang; Firmasyah, Nano; Rochmi, Sharita Aulia
Jurnal Mantik Vol. 9 No. 4 (2026): February: Manajemen, Teknologi Informatika dan Komunikasi (Mantik)
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/mantik.v9i4.6879

Abstract

The purpose of this study is to analyze and formulate an effective sustainable tourism village development strategy to improve the welfare of the community in Jombang Regency, especially through the Balanced Scorecard approach. The method in this study uses a qualitative case study approach. This study focuses on finding facts about a social phenomenon. Data analysis uses Miles Huberman's qualitative analysis consisting of data reduction, data presentation, and conclusions. The results of the study include four sustainable tourism village development strategies using the Balanced Scorecard approach, namely: 1. The Financial Perspective shows that the contribution of Pandansili tourism to PADes has begun to be seen with an increase in income of around 25%, but there is still a need for diversification of income sources. 2. The Customer Perspective confirms that visitor satisfaction is quite good (78%), but there is still a need for improvement in tourism services. 3. The Internal Business Process Perspective reveals that although BUMDes Maju Sejahtera has had a management SOP, its implementation is not optimal. Service digitalization is needed. 4. The Learning and Growth Perspective highlights the limited competency of local human resources in digital management and marketing. Development strategies should focus on training, empowering the younger generation, and innovating tourism products. In conclusion, overall, the application of the Balanced Scorecard approach provides a comprehensive strategic framework in describing the direction of sustainable development of Pandansili Tourism Village, by balancing financial aspects, visitor satisfaction, internal processes, and human resource development