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All Journal AKSIOMA: Jurnal Program Studi Pendidikan Matematika Al Khawarizmi: Jurnal Pendidikan dan Pembelajaran Matematika Suska Journal of Mathematics Education Al Ishlah Jurnal Pendidikan MaPan : Jurnal Matematika dan Pembelajaran Juring (Journal for Research in Mathematics Learning) Pendas : Jurnah Ilmiah Pendidikan Dasar KABILAH : Journal of Social Community Jurnal Tadris Matematika NUR EL-ISLAM : Jurnal Pendidikan dan Sosial Keagamaan JURNAL PENDIDIKAN TAMBUSAI Jurnal Cendekia : Jurnal Pendidikan Matematika Journal on Education AL-TANZIM : JURNAL MANAJEMEN PENDIDIKAN ISLAM SIGMA HUMANISMA : Journal of Gender Studies EKONOMIKA SYARIAH : Journal of Economic Studies Al-Khwarizmi: Jurnal Pendidikan Matematika dan Ilmu Pengetahuan Alam Jurnal Review Pendidikan dan Pengajaran (JRPP) Math Educa Journal JURNAL EDUCAZIONE : Jurnal Pendidikan, Pembelajaran dan Bimbingan dan konseling Jurnal Pendidikan dan Konseling Sainstek : Jurnal Sains dan Teknologi Jurnal Ilmiah Pendidikan Matematika Al Qalasadi Proximal: Jurnal Penelitian Matematika dan Pendidikan Matematika JP2M (Jurnal Pendidikan dan Pembelajaran Matematika) Didaktik : Jurnal Ilmiah PGSD STKIP Subang Darul Ilmi: Jurnal Ilmu Kependidikan dan Keislaman Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN) AR-RIAYAH : Jurnal Pendidikan Dasar Cokroaminoto Journal of Primary Education Edu Global: Jurnal Pendidikan Islam JCDD Indo-MathEdu Intellectuals Journal Al-Ihtirafiah Lattice Journal : Journal of Mathematics Education and Applied Edumatika Income: Innovation Of Economics And Management COVIT International Journal of Humanities Education and Social Sciences Kaunia: Integration and Interconnection of Islam and Science Journal ALAYYA: Jurnal Pendidikan Islam Anak Usia Dini KARIWARI SMART: Journal of Education Based on Local Wisdom International Journal of Learning and Instruction (IJLI) re-JIEM (Research Journal of Islamic Education Management) Jurnal Riset Rumpun Matematika dan Ilmu Pengetahuan Alam (JURRIMIPA) Edu Research : Jurnal Penelitian Pendidikan Jurnal Educative: Journal of Educational Studies HUMANISMA : Journal of Gender Studies EKONOMIKA SYARIAH : Journal of Economic Studies Knowbase : International Journal of Knowledge in Database Lattice Journal : Journal of Mathematics Education and Applied YASIN: Jurnal Pendidikan dan Sosial Budaya MASALIQ: Jurnal Pendidikan dan Sains ARZUSIN: Jurnal Manajemen dan Pendidikan Dasar Polinomial : Jurnal Pendidikan Matematika Tadris: Jurnal Pendidikan Islam Journal of Artificial Intelligence and Digital Business Jurnal Mahasiswa Manajemen dan Akuntansi KOLONI Innovative: Journal Of Social Science Research JURNAL PENDIDIKAN DAN KEGURUAN OMEGA: Jurnal Keilmuan Pendidikan Matematika Jurnal Inovasi Pendidikan dan Teknologi Informasi (JIPTI) Ar-Riyadhiyyat: Jurnal Pendidikan Matematika TOFEDU: The Future of Education Journal Journal of Multidisciplinary Science: MIKAILALSYS Global Education Journal Jurnal Konseling Pendidikan Islam SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Jurnal Aplikasi Perpajakan Ta'diban: Journal of Islamic Education JSE: Jurnal Sharia Economica Jurnal Riset Rumpun Ilmu Pendidikan (JURRIPEN) Journal of Innovative and Creativity SURAU : Journal of Islamic Education Tarbi: Jurnal Ilmiah Mahasiswa JOSEE : Journal of College Student's Intellectual FIKROTUNA: Jurnal Pendidikan dan Manajemen Islam JUMAT: Jurnal Matematika Jurnal Tadris Matematika Jurnal Cendekia Ilmiah PESHUM Al-Hashif: Jurnal Pendidikan dan Pendidikan Islam Konstanta : Jurnal Matematika dan Ilmu Pengelatuan Alam Journal of Education and Science (EDUSAINS) Ta'diban: Journal of Islamic Education Journal of Islamic Mysticism, Psychotherapy, and Philosophy Jurnal Ilmu Pendidikan dan Kearifan Lokal (JIPKL) EDUKASIA: Jurnal Penelitian Pendidikan Islam
M. Imamuddin
Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Immunology & microbiology Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Neuroscience Physics Public Health Social Sciences Other

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EFFECTIVENESS OF RESTRUCTURING PROBLEMATIC PEOPLE'S BUSINESS CREDIT FINANCING AT BSI KCP LUBUK SIKAPING Putri Rizkika Handayani; Rini Elvira; Gusrianti; M. Imamuddin
Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (Jasmien) Vol. 5 No. 07 (2025): Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (Jasmien)
Publisher : Cattleya Darmaya Fortuna

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54209/jasmien.v5i07.1773

Abstract

One of the activities of Islamic banks is financing. The People's Business Credit (KUR) product is one of the products owned by BSI KCP Lubuk Sikaping. However, several communities in Lubuk Sikaping experience problematic KUR financing. One way to overcome problematic financing is through financing restructuring. This study aims to observe the implementation of restructuring of problematic KUR financing at BSI KCP Lubuk Sikaping and to observe the effectiveness of the restructuring efforts that have been carried out. This study is a type of research using a descriptive qualitative method with data collection techniques through structured interviews and literature studies. The results of this study indicate that the implementation of restructuring of problematic KUR financing at BSI KCP Lubuk Sikaping goes through several stages: customer applications, document collection, financing analysis, customer interviews, and a committee with decision-makers. In practice, BSI KCP Lubuk Sikaping has been effective in carrying out restructuring efforts
Pengaruh Model Pembelajaran MURDER terhadap Kemampuan Pemahaman Konsep Matematis Siswa Fitria, Atsari; Rahmat, Tasnim; M. Imamuddin; Risnawita
Indo-MathEdu Intellectuals Journal Vol. 6 No. 7 (2025): Indo-MathEdu Intellectuals Journal
Publisher : Lembaga Intelektual Muda (LIM) Maluku

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54373/imeij.v6i7.4518

Abstract

The problem in this study is the low ability to understand mathematical concepts in students. Furthermore, the learning process carried out by teachers uses conventional learning, resulting in a lack of student activeness during the learning process. This study aims to determine whether there is an effect of the MURDER learning model on students' understanding of mathematical concepts. This type of research is quantitative. The research method used is an experimental research method with a Posttest Only Group Design. The research population is grade X Phase E students at SMA N 1 Lembah Melintang. Sampling was carried out using a simple random sampling technique. The sample in this study was students from class XE2 as the experimental class, totaling 33 people, and class XE4 as the control class, totaling 33 people. The research instrument used was a test of students' mathematical concept understanding abilities. The data analysis technique using the t-test obtained t_hitung=5,08 and t_tabel=1,67. While using Minitab Software obtained P_Value=0,000. Because t_hitung>t_tabel and P_Value<α with a significance level of α=0,05, H_0 is rejected. The results of the study are "There is an influence of the MURDER learning model on students' understanding of mathematical concepts." The problem in this study is the low ability to understand mathematical concepts in students. Furthermore, the learning process carried out by teachers uses conventional learning, resulting in a lack of student activeness during the learning process. This study aims to determine whether there is an effect of the MURDER learning model on students' understanding of mathematical concepts. This type of research is quantitative. The research method used is an experimental research method with a Posttest Only Group Design. The research population is grade X Phase E students at SMA N 1 Lembah Melintang. Sampling was carried out using a simple random sampling technique. The sample in this study was students from class XE2 as the experimental class, totaling 33 people, and class XE4 as the control class, totaling 33 people. The research instrument used was a test of students' mathematical concept understanding abilities. The data analysis technique using the t-test obtained t_hitung=5,08 and t_tabel=1,67. While using Minitab Software obtained P_Value=0,000. Because t_hitung>t_tabel and P_Value<α with a significance level of α=0,05, H_0 is rejected. The results of the study are "There is an influence of the MURDER learning model on students' understanding of mathematical concepts."  
Implementation of the Program for Strengthening Religious Moderation in Aceh Madrasas Hadini Hadini; M. Imamuddin; Charles Charles; Isnaniah Isnaniah; Nurbayani Nurbayani; Ressy Kurniasari
AL-ISHLAH: Jurnal Pendidikan Vol 16, No 4 (2024): AL-ISHLAH: JURNAL PENDIDIKAN
Publisher : STAI Hubbulwathan Duri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35445/alishlah.v16i4.5932

Abstract

Educational institutions play a critical role in fostering religious moderation, aiming to cultivate future generations with balanced attitudes and thoughts. This study investigates the understanding and awareness of religious moderation among students at MAN 4 Aceh Besar and explores the programs designed to strengthen this concept. Additionally, it examines the factors that support or hinder the success of these programs. A mixed-methods approach was employed, integrating qualitative and quantitative techniques. Data were collected through observation, interviews, documentation, and scales. Quantitative data analysis determined the level of student understanding, while qualitative methods provided insights into program implementation and influencing factors. Findings reveal that students at MAN 4 Aceh Besar demonstrate an 80.8% understanding and awareness of religious moderation, categorizing the institution as successful in supporting its objectives. Religious moderation programs are integrated into both teaching materials and extracurricular activities, ensuring a holistic approach. Supporting factors for the program's success include moral and material backing from stakeholders. However, challenges arise from both internal and external influences, which may limit the program's effectiveness. The religious moderation program at MAN 4 Aceh Besar has effectively fostered student awareness and understanding, demonstrating the institution's commitment to cultivating moderate perspectives. Continuous support and strategic interventions are necessary to address the identified challenges and sustain progress.
Kemampuan Literasi Matematika Siswa Berdasarkan Gender Isnaniah, Isnaniah; Imamuddin, M.; Charles, Charles; Syahrul, Syahrul; Zulmuqim, Zulmuqim
Lattice Journal : Journal of Mathematics Education and Applied Vol. 1 No. 2 (2021): Desember 2021
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/lattice.v1i2.5088

Abstract

Literacy is an ability that must be possessed by every individual (student). Literacy plays an important role for students. One of the literacy that must be mastered by students is mathematical literacy. Regarding mathematical literacy, many previous researchers have conducted research and even recent research related to this literacy ability is associated with gender. This study aims to map and describe students' literacy skills and differentiate students' literacy skills based on gender. This research is a literature study research by referring to eight article documents. The article documents used as sources were taken randomly from the internet. The results of the analysis of this article document are as follows: 1. Research related to literacy and gender is mostly carried out at the high school level than at the junior high school level, 2. The indicators used in assessing students' literacy abilities are indicators modified from indicators used by the Quasar General Rubric , indicators used by PISA and indicators referring to problem solving steps, and 3. male students' mathematical literacy skills are better than female students' mathematical literacy skills. Literasi merupakan kemampuan yang harus dimiliki oleh setiap individu (siswa). Literasi memegang peranan penting bagi siswa. Salah satu literasi yang harus dikuasai oleh siswa adalah literasi matematika. Terkait literasi matematika, sudah banyak peneliti terdahulu melakukan penelitian bahkan penelitian terkini terkait kemampuan literasi ini dikaitkan dengan gender. Penelitian ini bertujuan untuk memetakan dan mendeskripsikan kemampuan literasi siswa dan membedakan kemampuan literasi siswa berdasarkan gender. Penelitian ini adalah penelitian studi literatur dengan merujuk kepada delapan dokumen artikel. Dokumen-dokumen artikel yang digunakan sebagai sumber diambil secara acak dari internet. Hasil dari analisis terhadap dokumen artikel ini adalah sebagai berikut: 1. Penelitian terkait literasi dan gender lebih banyak dilakukan di tingkat SMA daripada tingkat SMP, 2. Indikator yang digunakan dalam menilai kemampuan literasi siswa yaitu indikator yang dimodifikasi dari indikator yang digunakan oleh Quasar General Rubric, indikator yang digunakan PISA dan indikator yang mengacu pada langkah-langkah penyelesaian masalah, dan 3. kemampuan literasi matematika siswa laki-laki lebih baik daripada kemampuan litetarasi matematika siswa perempuan.
Implementasi Manajemen Risiko dalam Pembiayaan Murabahah Bermasalah pada BPRS Haji Miskin Pandai Sikek Cania, Resi Fitri; Elvira, Rini; Imamuddin, M.; Gusrianti, Gusrianti
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.5759

Abstract

Pembiayaan murabahah merupakan salah satu instrumen utama dalam penyaluran dana oleh BPRS, termasuk BPRS Haji Miskin Pandai Sikek. Meskipun memiliki tingkat popularitas tinggi dikalangan nasabah, pembiayaan murabahah tetap mengandung risiko, khusunya risiko pembiayaan bermasalah yang tercermin dari meningkatnya rasio Non Performing Financing (NPF) selama tiga tahun terakhir. Penelitian ini adalah bertujuan untuk untuk mengetahui bagaimana implementasi manajemen risiko yang digunakan dalam mengatasi pembiayaan bermasalah pada produk murabahah di BPRS Haji Miskin Pandai Sikek. Penelitian ini menggunakan pendekatan kualitatif dengan metode deskriptif. Teknik pengumpulan data dilakukan melalui wawancara terstruktur dengan pihak internal BPRS Haji Miskin Pandai Sikek dan studi kepustakaan. Metode analisis data yang digunakan adalah analisis isi (content analysis) untuk memperoleh pemahaman yang mendalam mengenai kebijakan dan strategi manajemen risiko yang diterapkan dalam pengelolaan pembiayaan murabahah bermasalah. Hasil penelitian menunjukkan bahwa BPRS Haji Miskin Pandai Sikek telah menerapkan tahapan manajemen risiko, yaitu identifikasi risiko, pengukuran risiko, pemantauan risiko, dan pengendalian risiko. Namun, impelemntasi tersebut belum berjalan secara optimal. Ditemukan beberapa kendala seperti kurangnya ketelitian dalam analisis kelayakan nasabah, lemahnya pemantauan portofolio pembiayaan, serta keterbatasan sumber daya manusia dan teknologi pendukung. Oleh karena itu, BPRS perlu memperkuat sistem manajemen risikonya agar dapat menekan angka pembiayaan bermasalah dan menjaga stabilitas keuangan lembaga.
Peran Pendidikan Agama Islam (PAI) dalam Meningkatkan dan Membangun Toleransi Antar Beragama di Sekolah Andryadi, Andryadi; Nurdin, Syafruddin; Imamuddin, M.; Zalnur, Muhammad; Balqis, Annisa; Desmawella, Desmawella
Tarbi: Jurnal Ilmiah Mahasiswa Vol 5 No 1 (2026)
Publisher : IAINU Kebumen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33507/tarbi.v5i1.3362

Abstract

This study aims to explore the role of Islamic Religious Education (IRE) in fostering and strengthening attitudes of tolerance among students of different religious backgrounds within the school environment. The method used is a literature study. The research findings reveal that Islamic Religious Education plays a significant role in shaping tolerant attitudes in schools. IRE teachers act as role models as well as educators who convey the values of tolerance to students.The implementation of tolerance values within the school reflects the diversity of the surrounding community and highlights the importance of education in instilling mutual respect among followers of different religions. Therefore, this study recommends that the Islamic Religious Education curriculum be further strengthened to cultivate a young generation that values tolerance and lives in harmony.In addition, support from parents and the wider community is essential in creating inclusive religious education that prioritizes tolerance values. Thus, the results of this study are expected to contribute to the development of more meaningful religious education with a positive impact on the social life of the community.
Analisis Strategi Pengembangan Wisata Tabiang Takuruang Berbasis Kearifan Lokal Dalam Perspektif Syariah: (Studi Kasus Jorong Jambak Sianok Anam Suku Kecamatan IV Koto Kabupaten Agam) Rahmat Azif; Rusyaida; H. Asyari; M. Imamuddin
PESHUM : Jurnal Pendidikan, Sosial dan Humaniora Vol. 5 No. 1: Desember 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/peshum.v5i1.14399

Abstract

Penelitian ini bertujuan menganalisis strategi pengembangan Tabiang Takuruang berbasis kearifan lokal dalam perspektif syariah guna mendorong pertumbuhan ekonomi masyarakat sekaligus menjaga nilai adat dan agama. Metode yang digunakan adalah deskriptif kualitatif melalui wawancara, observasi, dan dokumentasi, dengan analisis SWOT untuk mengidentifikasi kekuatan, kelemahan, peluang, dan ancaman destinasi. Hasil penelitian menunjukkan kekuatan utama berupa panorama alam yang memukau, tradisi lokal seperti mairiak padi dan batagak kudo-kudo, penerapan nilai syariah, keramahan masyarakat, serta kuliner khas. Kelemahan meliputi keterbatasan fasilitas ibadah, minimnya petunjuk arah, partisipasi masyarakat yang belum merata, dan pengelolaan sampah yang kurang optimal. Peluang berkembang melalui tren wisata halal global, potensi ekonomi kreatif, dukungan tokoh adat, dan akses yang relatif mudah. Ancaman mencakup rendahnya kesadaran wisata, pengaruh budaya luar, risiko kerusakan lingkungan, dan tantangan gaya hidup modern. Strategi utama (S–T) difokuskan pada pemanfaatan kekuatan untuk menghadapi ancaman, melalui penguatan kearifan lokal, pengembangan atraksi budaya, pelatihan pemandu wisata syariah, serta promosi digital. Kesimpulannya, Tabiang Takuruang memiliki prospek menjadi destinasi wisata syariah unggulan berbasis kearifan lokal, dengan syarat adanya peningkatan fasilitas, regulasi, edukasi wisatawan, dan pelibatan aktif masyarakat.
Pengaruh Model Pembelajaran Matematika Berorientasi Gaya Kognitif Dan Budaya (PMGB) Terhadap Kemampuan Pemecahan Masalah Matematika Siswa Fase E SMA N 1 Banuhampu Ohtovia Shanita; Isnaniah Isnaniah; Junaidi Junaidi; Imamuddin Imamuddin
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.1816

Abstract

Penelitian ini dilatarbelakangi karena permasalahan yang ditemukan di Fase E SMA N 1 Banuhampu bahwa rendahnya kemampuan pemecahan masalah matematika siswa. Hal ini dapat dilihat dari nilai kemampuan pemecahan masalah matematika siswa berdasarkan penilaian dari sumatif tengah semester (STS). Berdasarkan persentase nilai kemampuan pemecahan masalah matematika siswa berdasarkan penilaian sumatif tengah semester, siswa dengan kategori rendah memiliki persentase sebesar 72%. Ini menunjukkan bahwa masih rendahnya kemampuan pemecahan masalah matematika siswa. Salah satu alternatif pembelajaran yang diduga dapat mengatasi masalah tersebut adalah dengan menggunakan Model Pembelajaran Matematika Berorientasi Gaya kognitif dan Budaya (PMGB). Rumusan masalah dalam penelitianini adalah apakah terdapat Pengaruh Model Pembelajaran Matematika Berorientasi Gaya kognitif dan Budaya (PMGB) terhadap Kemampuan Pemecahan Masalah Matematika Siswa Fase E SMA N 1 Banuhampu. Tujuan penelitian adalah untuk mengetahui kemampuan pemecahan masalah Matematika siswa menggunakan Model Pembelajaran Matematika Berorientasi Gaya kognitif dan Budaya (PMGB) lebih baik dari pada pembelajaran konvensional siswa Fase E SMA N 1 Banuhampu. Jenis penelitian ini adalah dengan rancangan penelitian The Static Group Comparison Design. Populasi dalam penelitian ini adalah seluruh siswa Fase E SMA N 1 Banuhampu. Pengambilan sampel menggunakan teknik Random Sampling. Sampel dalam penelitian ini adalah siswa E.6 sebagai kelas eksperimen dan siswa E.4 sebagai kelas kontrol. Data kemampuan pemecahan masalah matematika siswa diperoleh dari tes akhir (post-test). Berdasarkan analisis data kemampuan pemecahan masalah matematika dengan menggunakan uji-t dan Sofware Minitab taraf nyata α = 0,05, diperoleh harga thitung > ttabel yaitu 3,12 > 1,66 dan P-value = 0,001.Sehingga ditolak dan diterima. Sehingga diterima yaitu kemampuan pemecahan masalah matematika siswa yang mengikuti Model Pembelajaran Matematika Berorientasi Gaya kognitif dan Budaya (PMGB lebih baik daripada kemampuan pemecahan masalah matematika siswa yang mengikuti pembelajaran konvensional di Fase E SMA N 1 Banuhampu. Dikarenakan ditolak dan diterima dapat disimpulkan bahwa terdapat Pengaruh Model Pembelajaran Matematika Berorientasi Gaya kognitif dan Budaya (PMGB) terhadap Kemampuan Pemecahan Masalah Matematika Siswa Fase E SMA N 1 Banuhampu
Pengaruh Harga, Media Sosial Dan Kualitas Produk Terhadap Keputusan Pembelian Pada Kamang Perabot Alfian Alfian; Jofrizal Jofrizal; Maria Magdalena; Juarsa Badri; M. Imamuddin
Journal of Innovative and Creativity Vol. 6 No. 1 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v6i1.7626

Abstract

This research aims to analyze the influence of price, social media, and product quality on purchasing decisions in Furniture Furniture in Padang City. This research uses a quantitative method with a sample of 91 respondents, which are selected using the purposive sampling technique. Data was obtained through a questionnaire and analyzed using validity tests, reliability tests, descriptive analysis, classical assumption tests, and multiple linear regressions. The results of the research are: 1) The price variable is in the good category, which shows that consumers consider the price of Kamang Furniture quite appropriate and still acceptable. 2) Social media variables are also in the good category, which means that social media has played a role in providing information and influencing consumer perception. 3) The product quality variable is in the sufficient category, so the product quality still needs to be improved, especially in terms of design, durability, and features. 4) The purchase decision variable is in the sufficient category, which shows that the level of consumer purchase decision is not optimal and needs to be improved through more effective marketing strategies
Application of SNI ISO 31000:2018 For Mitigating Problematic Murabahah Financing: A Case Study at BSI Lubuk Sikaping Rahmayani Sania; Rini Elvira; Gusrianti Gusrianti; Imamuddin Imamuddin
INCOME: Innovation of Economics and Management Vol. 5 No. 2 (2025): October
Publisher : LPPM Universitas KH. A. Wahab Hasbullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32764/income.v5i2.6401

Abstract

 This study aims to formulate a risk management strategy based on SNI ISO 31000:2018 to reduce the number of problematic murabahah financing. The research method used is qualitative with a field research approach. Data collection techniques are carried out through observation, structured interviews, and literature studies. The main informants in this study are the branch managers and the financing risk management department at BSI KCP Lubuk Sikaping. Data were analyzed using a SWOT approach through the IFE (Internal Factor Evaluation) and EFE (External Factor Evaluation) matrices. The results show that BSI KCP Lubuk Sikaping is in quadrant I with an IFE (Internal Factor Evaluation) value of 3.41 and an EFE (External Factor Evaluation) of 3.02, resulting in an SO strategy score of 5.15, the highest compared to other strategies. This indicates that the combination of strengths and opportunities strongly supports an aggressive strategy. The five most relevant SO strategies formulated include: (1) Development of Sharia Financing Products for MSMEs; (2) Digitalization of Risk Management Systems to Support Regional Expansion; (3) Customer-Based Sharia Financial Literacy Program; (4) Improving HR Competence and Accountability in Risk Management; and (5) Strengthening SOPs and Risk Governance Based on SNI ISO 31000:2018. These strategies are expected to reduce the NPF ratio and improve the quality of the murabahah financing portfolio at BSI KCP Lubuk Sikaping.
Co-Authors Abdul Sofyan Ade Putra Adelina, Silvi Novia Adiman Afini Afridalia Afriani, Wini Sri Afrianti Afrianti Afrianti Afrianti, Afrianti Afrida Hanum Afrinaldi Afrinaldi Agus Salim Ainul Fitri Ainul Mardiah Aisa, Nurul Aisyah Nur Ilmi Akbar Nasrullah Alfian Alfian Alias, Muhamad Firdaus Bin Alif Septriansyah Alif Septriansyah Andrayani, Anisa Andryadi Andryadi Andryadi Andryadi Andryadi Andryadi Andryadi Andryadi Andryadi Andryadi Andryadi Andryadi Andryadi Andryadi, Andryadi Anggina, Santi Anggraini, Fadilla Anisa Dwi Putri Anisa Dwi Putri Anisa Kamila sari Anisa Nurul Azhari Anisa Ramayanti Anisah, Ariyun Aniswita Anita Ulpa Aniza Juanti Aniza Juanty Annisa Annisa Annisa Annisa Annisa Annisa Annisa Aulia, Annisa Aulia Annisa Aulia, Annisa Aulia Annisa Balqis Annisa Ul Husna Aprianto Aprianto Aprisa Nilam Sari Arifmiboy Arifmiboy, Arifmiboy Arini Khairunnisa Armanda, Roza Aryska Putri R.Y, Risky Asna, Rani Aulia, Riri Awaluddin Awaluddin Az-Zahra, Fadhilah Azila Nur Aqsa Azira, Voni Azizatul Hikmah Badri, Juarsa Balqis, Annisa Cahya Agung Purnama Cania, Resi Fitri Charles Charles Charles Cici Wahyuni Citra Fahdilla Danil Saputra Dantes, Raymond Dea Wullan Dari Deffa Ryani Chairunnisa Delniyanti Delniyanti Desmawella Desmawella Desmawella, Desmawella Devi Apriyanti Dewi, Merry Prima Dian Rahma Sari Diana Kartika Dewi Maharani Dina Lorenza Dini Muawaroh Divo Doni Ardia Putra Efriyanti, Liza Elianis Elianis Elsa Carolina Elsi Alvionisef Elva Ramli Elvi Julfitri Eny Murtiyastuti Eny Murtiyastuti Evi Lyanti Harahap Fadhilla Yusri Fadillah Turahmi Fahmul Hikam Al Ghifari Farij Imron Farij Imron Farras Arkan Fathur Rahmi Fauzan . Fauzan, Rusydi Fauzia Rahmi Fauzia Zukli Fazila Nawasyaira Febria Sri Artika Ficha Andreini YZ Financhi, Wegi Firmanti, Pipit Fiska Ummyza Fitri Alrasi Fitri Alrasi Fitria, Atsari Gema Hista Medika Gusrianti Gusrianti Gusrianti Gusrianti Gusrianti Gusrianti Gusrianti, Gusrianti H. Asyari Hadini Hadini Hadini Hadini Hadini Hadini, Hadini Hafizah Hafizah Haida Fitri Haida Fitri Hari Antoni Musril Hartono Hartono Hayati Hayati Hayati Hayati Hayatun Nufus Herlina Kumalasari Herlina Yulia Kumalasari Hesmawati Hijriani Safitri Hilda Mulyani Ikhwan Hadi Illahi, Panji Rahmat Imra’atus Shalihah Imron Arifin Indika Juang Putra Insanul Nabil Intan Pematasari Nurullulah Inten Kalputri Ismail Ismail Ismirawati, Ismirawati Isnaniah Isnaniah Isnaniah Isnaniah Isnaniah Isnaniah Isnaniah, Isnaniah Jaafar, Azhar Jannah, Islamiatul Januar Januar, Januar Jelita, Arni Asih Jofrizal Jofrizal Juanti, Aniza Julia Anggaraini, Ulfa Junaedi Junaedi Junaidi Junaidi Kesy Yumaida Kasih Khalid Wiqiyan Kiki Semartri Fatmi Maharani Langputeh, Suwannee Liza Hamas Lukman Hakim M, Zaharuddin M., Zaharuddin Magdalena, Maria Manja Ayu Sasmita Mansur, Yuwarman Mariam Asiah Marlina, Defi Martini Dwi Pelitawaty Masbur Masbur Mayherlina Meli Puspa Meta Trisna Wati Mia Yolanda Utami Putri Miftahul Jannah Mike Riyanti Miswardi Miswardi Miswardi, Miswardi Muhammad Fadli Muhammad Iqbal Muhammad Mutawakil Amr Muhammad Rais Muhammad Zalnur Muhiddinur Kamal Mujiburrahman Mujiburrahman Mulia, Anisa Muthia Sarah Mutia Mutia, Mutia Mu’amalah, Hafida Nada Aviola Nadia Elga Saputri Nafiar Nailatul Fadhillah Nana Sepriyanti Nanda Reza Safitri Neldawati Neldawati Nisa Oktavia Nisa Oktavia Noni Syafira Nova Novita Novi Avila Junianti Novia Azizah Novia Rahmatul Azizah Nur Ade Yani Nur Aini Fitri Nurazizah Paisal Nurbayani Nurbayani Nurdiat, Lara Nurfadila Nurfadila Nurul Azizah Pasaribu Nurul Faizah Nurul Ramadhani Nurul Ulfatin Nurulzhia Rahma Nisa Ohtovia Shanita Olivia Angelica Tiawarman Panji Rahmat Illahi Paramita, Dela Pebria, Windi Peri Pedinal Pipit Firmanti Pipit Firmanto Pradede, Andini Aulia Pratama, Rahmadhini Puja Qonita Sholihat Puspita Dewi Puspita Dewi, Puspita Putri Indah Febriani Putri Rizkika Handayani Putri Salsabila, Zara Putri, Dea Rahma Putri, Rayla Osvita Radiya Fatma Rahmadila Rahmadila Rahmadila, Rahmadila Rahmah, Novetri Rahman, Ikhwan Rahmat Azif Rahmat Tasnim Rahmatul Yusna Rahmawati Rahmawati Rahmayani Sania Rahmi Aisyah Rahmi, Ulva Rahmil Aslina Rani Safitri raudatul jannah Realita Realita, Realita Recy Wulan Dari Rehani Rehani Rehani rehani Reska Oktaviola Ressy Kurniasari Ridhah, Habibatur Rika Widianita Rika Widianita Rini Elvira Rini Elvira Rini Elvira Rini Putri Riska Riska Riski, Ulfatur Risnawita RISNAWITA RISNAWITA Risnawita Risnawita Risnawita Risnawita, Risnawita Rizaldi Muharman Syah Rizaldi Muharmansyah Rizqiya Hasanah Roland Marudut Halomaun Simatupang Roland Marudut Halomaun Simatupang Roni Putra Rusdi Rusdi Rusdi Rusdi Rusdi Rusdi Rusdi Rusdi Rusdi Rusdi Rusdi Rusdi Rusyaida Rusyaida, Rusyaida Rusydi Fauzan Saiful Saiful Salmi Afifa Salsabila Febriani Santi Deswita Sari, Dian Rahma Sari, Rayen Duwita Sari, Rts Novita Sayyi, Ach. Septria Susanti Septriansyah, Alif Shalli Maharani Shyfatul Hayati Silvi Anggia Putri Silvi Anggraini Siti Halimah Siti Halimah Halimah Siti Maha Rani Siti Nurul Aisyah Sobri Sobri Sofhia Vabiola Sofi Yonalta Sri Artika, Febria Sri Devi Hasani, Sri Devi Hasani SRI RAHAYU Suci Dela Roza Suci Febrianti Suci Febrianti Suci Oktavia Suci Ramadhani, Suci Supriadi Supriadi Suryanti Suryanti Susanti, Weti Syafrio Roni Wirdayat Syafruddin Nurdin Syafruddin Nurdin Syafruddin Nurdin Syafruddin Nurdin Syahri, Anitia Syahrul Syahrul Syahrul Syahrul Syarifah Habibah R syarifah Syariful Akbar Tasnim Rahmat Tasnim Rahmat Tasnim Rahmat Tasnim Rahmat Tasnim Rahmat Tasnim Rahmat Tasnim Rahmat Tasnim Rahmat Tasnim Rahmat, Tasnim Tasya Nurhayati Tengku Tiara Insan Ramadhani Tia Purnama Tiara adisty Tri Lestari Tri Nanda Akbar Maualana Ulva Rahmi Ulva Rahmi Ummi Khoiroh Vina Addila Putri Vivi Ramdhani Wahyu Ramadhani Wasilah Wasilah Wati, Devi Sonia Wedra Aprison Weti Susanti Widia Sari Winda Maysa Istiqomah Windi Pebria Wirdatul Akmal Wiwi Nofela Wulandari, Dwi Devi Yandrizal Chaniago Yandrizal Yandrizal Yennita Yennita Yenty Astari Dewi Yola Mulia Yopita Yonanda Yudelnilastia, Yudelnilastia Yugita Rahmi Yulmaidar Yulmaidar Yusnita Yusnita Yusuf Sobri, Ahmad Zaharuddin M Zaharuddin M Zaharuddin M, Zaharuddin M Zaharuddin M. Zaharuddin M. Zaharuddin. M Zahratul Aini Putri Zakia Zahra Zakir, Supratman Zolanda Anggraini Zulmuqim Zulmuqim Zulmuqim Zulmuqim Zulmuqim Zulmuqim Zulmuqim Zulmuqim Zulmuqim Zulmuqim Zulmuqim Zulmuqim, Zulmuqim