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The Role of Amanah and Tabligh in Strengthening Islamic Banking Relationships Mutia Tsalitsa Alawia; Wiwik Mukholafatul Farida; Shinta Laura Dewani
Journal of Creative Power and Ambition (JCPA) Vol. 4 No. 01 (2026): Journal of Creative Power and Ambition (JCPA)
Publisher : CV Edujavare Publishing

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Abstract

This study aims to analyze agency problems in murabahah and mudharabah contracts and to identify strategies to reduce these issues in Islamic banking practices. The research employs a qualitative approach using a library research method by reviewing various sources, including academic journals, books, and other relevant literature published between 2021 and 2025. The findings indicate that agency problems in Islamic banking primarily arise from information asymmetry and moral hazard between the bank as the principal and the customer as the agent. These issues are more prevalent in mudharabah contracts compared to murabahah, due to the high dependence on the honesty and transparency of customers in reporting business performance. In contrast, murabahah contracts tend to have lower agency risks because of their simpler and more transparent transaction structure. Furthermore, this study finds that the implementation of tabligh (transparency) and amanah (trustworthiness) principles serves as an effective solution in reducing information asymmetry and moral hazard. Therefore, strengthening Islamic ethical values along with improving monitoring systems and transparency mechanisms is essential to mitigate agency problems and to optimize the implementation of profit-and-loss sharing contracts in Islamic banking.
Formulating Human Resource Management Strategies Using a Hybrid SOAR–AHP Approach in MSMEs Shinta Laura Dewani; Diah Ayu Arif Viyanti; Ravita Yosi Agustin; Mutia Tsalitsa Alawia; Wiwik Mukholafatul Farida
Journal of Creative Power and Ambition (JCPA) Vol. 4 No. 01 (2026): Journal of Creative Power and Ambition (JCPA)
Publisher : CV Edujavare Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70610/jcpa.1509

Abstract

This study aims to formulate human resource management (HRM) strategies for a culinary MSME in Kediri using a hybrid SOAR–AHP approach. Rapid business growth is often not accompanied by optimal HR management, leading to issues in performance consistency and employee discipline. This research employs a mixed-method approach with an exploratory sequential design, utilizing interviews, observations, and quantitative analysis through the Analytical Hierarchy Process (AHP). The SOAR analysis reveals that key strengths lie in owner involvement and the existence of standard operating procedures (SOP), while the main challenges relate to consistency in implementation and employee discipline. The AHP results indicate that strengths and results are the highest priority criteria. The main strategies focus on strengthening SOP implementation, improving discipline through active owner supervision, and enhancing work productivity. This study demonstrates that the integration of SOAR–AHP provides more structured, measurable, and applicable HRM strategies to support MSME sustainability.