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All Journal Jurnal EMT KITA Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Al-Muzara'ah JURNAL MANAJEMEN BISNIS Iqtishoduna: Jurnal Ekonomi Islam Al-Kharaj: Journal of Islamic Economic and Business Jurnal Penelitian Ekonomi Akuntansi (JENSI) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Ar-Ribhu: Jurnal Manajemen dan Keuangan Syariah JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Mumtaz : Jurnal Ekonomi dan Bisnis Islam JEBD Journal of Finance and Islamic Banking
Sugianto
Universitas Islam Negeri Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Social Sciences Other

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Analysis of Micro Financing Product Development at BSI KCP Stabat Ahmad Firdaus Lingga; Sugianto; Tuti Anggraini
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.9492

Abstract

This study aims to analyze first, BSI's microfinance products, second, the obstacles and challenges of marketing BSI's microfinance products, and third, the strategy and process of developing BSI microfinance products. The research method used is a qualitative descriptive approach with data collection through observation, interviews, documentation and surveys to customers and related parties of one of BSI's branch offices. The results of the study show that BSI's microfinance products, such as KUR Super Micro, KUR Micro, and non-KUR products, are designed according to sharia principles with an easy application process and supported by service digitization. This product has a significant positive impact on increasing capital, production capacity, income, and welfare of MSME actors. However, product development still faces obstacles such as low Islamic financial literacy, complex administrative requirements, high micro business risks, and limited access in remote areas. The market opportunity for sharia microfinance is very large considering the large MSME segment and the support of government regulations. Therefore, effective development strategies include product innovation, increasing financial literacy, using digital technology, strengthening partnerships, and improving human resource competence
Analisis Manajemen Risiko Pada UMKM Depot Air Minum Ritonga Water Desa Tembung Kabupaten Deli Serdang Khairul Faiz Batubara; Bunga Dwi Fani Ritonga; Ayu Wulandari S. Tanjung; Sugianto
Jurnal Ekonomi dan Bisnis Digital Vol. 2 No. 3 (2025): Januari - Maret
Publisher : CV. ITTC INDONESIA

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Abstract

Depot air minum Ritonga water ialah salah satu UMKM yang memproduksi air minum isi ulang di daerah Deliserdang. Depot air minum Ritonga water beralamat di Jalan Beringin pasar VII, Hutan, Desa Tembung, Kecamatan Percut Sei Tuan, Kabupaten Deli Serdang, Provinsi Sumatera Utara. Pelaksanaan dan metode pada pengabdian kepada masyarakat ini dilakukan dalam metode pendampingan yang dilakukan oleh secara berkelompok dengan tujuan untuk meningkatkan pengetahuan, perilaku dan sikap yang diperlukan untuk mendukung operasional bisnis mereka, peneliti mengambil data penelitian dengan menggunakan data primer yang diperoleh dari hasil wawancara dengan pemilik usaha. Depot air minum Ritonga water ini sudah berdiri dan mulai beroperasi sejak tahun 2012. Dalam menjalankan usahanya depot air minum ritonga water belum menerapkan Manajemen risiko dengan sangat baik secara usaha ini sudah beroperasi selama 12 tahun, dari risiko operasional masih ditemukan beberapa risiko-risiko yang juga sering terjadi pada usaha, begitu juga risiko keuangan dan risiko eksternal. Oleh karena itu tim peneliti dalam PKM melakukan dukungan pengabdian kepada masyarakat dslsm bentuk pelatihan dan pendampingan manajemen risiko yang diperlukan oleh usaha untuk meningkatkan ketahanan dan kelangsungan bisnis serta memberikan rekomendasi strategi manajemen risiko yang dapat diterpakan untuk meminimalisir dan memitigasi dampak negatif dari risiko yang terjadi.
Modeling Fair Wage Implementation within a Mixed Economy Framework: Insights from Islamic Economic Principles Sanusi Gazali Pane; Sugianto
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 14 No. 2 (2025): October
Publisher : Department of Sharia Economics Faculty of Islamic Economics and Business, Universitas Islam Syarifuddin Lumajang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v14i2.3242

Abstract

Fair wage determination involves subjective perceptions influenced by individual values and contextual understanding. This study explores fair wage concepts within Islamic banking through a cross-sectional survey examining respondents across various positions and industrial relations statuses. The research incorporates transparency and information openness as key variables, analyzing fair wages beyond nominal amounts to encompass processes shaping individual perceptions. An Islamic economic perspective guides the analysis of determinant factors. The study employed a survey of Islamic banking professionals to assess perceptions of wage fairness and their relationships with job satisfaction and family welfare. Findings reveal that 92.36% of respondents perceive their wages as fair, with the highest level of satisfaction (96.1%) attributed to wage comparability across similar roles. The lowest satisfaction (76.6%) was observed for religious culture aspects. This research contributes to Islamic economic theory by demonstrating the contemporary relevance of Islamic teachings on economic justice in modern industrial contexts, highlighting social benefits as crucial determinants in fair wage concepts for policy development.
Efficiency or Profitability? Strategic Dilemmas of Islamic Banks in the Global Financial Landscape Ian Alfian; Surya Agustina; Saparuddin Siregar; Sugianto
Journal of Finance and Islamic Banking Vol. 9 No. 1 (2026)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v9i1.14204

Abstract

Purpose: This study aims to systematically analyze the relationship between efficiency and profitability in Islamic banks amid global financial dynamics shaped by crises, the COVID-19 pandemic, accelerated digitalization, and sustainability pressures. The research highlights a strategic dilemma faced by Islamic banks regarding whether to prioritize operational efficiency for long-term sustainability or emphasize short-term profitability, especially within the context of Sharia-based financial intermediation. Method: A Systematic Literature Review (SLR) approach was employed by synthesizing 30 international Scopus-indexed articles published between 2019 and 2025. The selected studies encompass analyses of internal banking determinants, comparative frameworks between Islamic and conventional banks, and contextual assessments involving regulatory, technological, and macroeconomic factors. Results: The synthesis confirms that profitability in Islamic banks is strongly associated with internal factors such as capital strength, liquidity management, asset quality, and governance mechanisms. However, efficiency emerges as a critical determinant of long-term sustainability, particularly under conditions of heightened competition and limited financial instruments within Sharia-compliant frameworks. Comparative analyses reveal a unique trade-off for Islamic banks driven by Sharia compliance constraints, resulting in distinct efficiency-profitability dynamics compared to conventional banking models. Implication: The findings underscore the necessity for Islamic banks to redesign strategic orientations by integrating digitalization, fintech-based innovations, and sustainable finance mechanisms to balance efficiency and profitability in a competitive global environment. From a policy perspective, the study informs regulators and industry stakeholders regarding the structural reforms required to enhance Islamic banks' competitiveness and resilience. Originality: This research contributes to the literature by synthesizing the most recent empirical and conceptual studies on Islamic bank performance and by elucidating the specific trade-offs between efficiency and profitability. The article offers a contemporary perspective on strategic repositioning within the Islamic banking sector and proposes a conceptual foundation for future empirical model development.
Co-Authors Ahmad Firdaus Lingga Ammy, Baihaqi Asyaadatun Nazila Selayan Ayu Wulandari S. Tanjung Bunga Dwi Fani Ritonga Fadilla Yaumil Hasanah Ian Alfian Irsyad Maulana Jihan Karina Putri Juliana Nasution Khairul Faiz Batubara Lisa Listiana Marliyah Miranda Julia Pasaribu Muhammad Syukri Albani Nasution Nia Nurdahlia Rahmat Daim Harahap Rahmi Edriyanti Sanusi Gazali Pane Saparuddin Siregar Siti Aisyah Supardi Surya Agustina Syawal Harianto Tuti Anggraini Uning Musthofiyah Widya Rizky Amelia Windari, Windari