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EconBank : Journal Economics and Banking SCAFFOLDING: Jurnal Pendidikan Islam dan Multikulturalisme Buletin Ilmiah Sarjana Teknik Elektro Jurnal Pengabdian Masyarakat Borneo Jurnal Ilmiah Kesehatan Ar-Rum Salatiga Jurnal Ilmiah Edunomika (JIE) Best Journal (Biology Education, Sains and Technology) Jurnal Ilmu Hukum KYADIREN Jurnal ABDINUS : Jurnal Pengabdian Nusantara Jurnal Ilmu Teknik dan Komputer Jurnal Manajemen Teknologi dan Teknik Sipil (JURMATEKS) Jurnal Industri Kreatif dan Kewirausahaan Jurnal Sisfotek Global Edunesia : jurnal Ilmiah Pendidikan Jurnal Bakti Masyarakat Indonesia Jurnal Ilmiah Biologi UMA (JIBIOMA) Ijtimaiya : Journal of Social Science and Teaching Jurnal Al-Irsyad: Jurnal Bimbingan Konseling Islam Riwayah : Jurnal Studi Hadis ADDIN Jurnal Pengabdian UNDIKMA Jurnal Teknik Informatika (JUTIF) Economics and Digital Business Review International Journal of Educational Management and Innovation (IJEMI) Interference: Journal of Language, Literature, and Linguistics Hermeneutik : Jurnal Ilmu Al-Qur'an dan Tafsir Management and Accounting Expose Indonesian Journal of Business and Management International Journal of Robotics and Control Systems Movere Journal IJORER : International Journal of Recent Educational Research Dharmas Education Journal (DE_Journal) Decision: Jurnal Administrasi Publik Arsitekta Jurnal Abdimas Kartika Wijayakusuma Jurnal Perempuan & Anak NOKEN : Jurnal Pengelolaan Pendidikan Jurnal Penyuluhan Agama TRILOGI: Jurnal Ilmu Teknologi, Kesehatan, dan Humaniora Fikrah: Jurnal Ilmu Aqidah dan Studi Keagamaan Al-Manahij : Jurnal Kajian Hukum Islam Journal Of Sustainability Perspectives Edukasia: Jurnal Pendidikan dan Pembelajaran Journal of Law, Poliitic and Humanities Jurnal Basicedu Jurnal Tren Bisnis Global Jurnal Arsitektur, Sains Bangunan, Kota dan Pemukiman Journal of Innovation and Research in Primary Education Keris: Journal of Community Engagement Journal of Da'wah Buletin Riset Psikologi dan Kesehatan Mental (BRPKM) Prosiding Seminar Nasional Official Statistics Journal of Training and Community Service Adpertisi Jurnal Riset Indragiri Jurnal Pengabdian Pada Masyarakat Jurnal At Taujih Jurnal Pendidikan Islam Borneo Journal of Primary Educaton Excellence Jurnal Teknologi Pendidikan Jurnal Ilmiah Pengabdian dan Inovasi JUSTIFY : Jurnal Sistem Informasi Ibrahimy Jurnal Pengabdian Masyarakat Biologi dan Sains IPTEK: Jurnal Hasil Pengabdian kepada Masyarakat Jurnal Pengabdian Masyarakat Bangsa Jurnal Penelitian West Science Interdisciplinary Studies Carmin: Journal of Community Service Indonesian Journal Of Law Studies Eksponensial Jurnal Teknologi dan Vokasi Scientica: Jurnal Ilmiah Sains dan Teknologi West Science Interdisciplinary Studies Cendikia: Jurnal Pendidikan dan Pengajaran JIMPI: Jurnal Inovatif Manajemen Pendidikan Islam Waspada : Jurnal Wawasan Pengembangan Pendidikan Cendikia Pendidikan Assyfa Journal of Islamic Studies Jurnal Teknologi Pendidikan Prosiding Temu Ilmiah Nasional Guru Al-Qudwah: Jurnal Studi Al-Qur'an dan Hadis NGARSA: Journal of Dedication Based on Local Wisdom EDUCARE: Journal of Primary Education Jurnal Manajemen dan Usahawan Indonesia Jurnal Teknik Sipil JAR'S (Journal of Advanced Research in Informatics) Celebes Journal of Community Services Jurnal Hukum Islam dan Hukum Keluarga Gotong Royong International Journal of Applied Mathematics and Computing. Jurnal Ilmiah Ekonomi, Manajemen dan Bisnis (EKMABIS) Komdimas Inovasi Sosial: Jurnal Pengabdian Masyarakat Jurnal Pemikiran dan Pengembangan Pembelajaran Jurnal International Economic Sharia LEADERIA : Jurnal Manajemen Pendidikan Islam Greenation International Journal of Law and Social Sciences Portal Riset dan Inovasi Sistem Perangkat Lunak Efada : Jurnal Pengabdian Masyarakat Jurnal Cendekia Ilmiah Ulil Albab Eduprof Vanchapo Health Science Journal Access: Journal of Accounting, Finance and Sharia Accounting Journal of Economy Business Development Al-Hayat: Journal of Islamic Education Humanist Journal Himpunan: Jurnal Ilmiah Mahasiswa Pendidikan Matematika NAAFI: JURNAL ILMIAH MAHASISWA Munazzama Journal of Islamic Management and Pilgrimage Indonesian Journal of Aerospace Journal of Community Engagement in Economics Jurnal Pengabdian Kepada Masyarakat: Dimastika ZISWAF: Jurnal Zakat dan Wakaf Quality
Abdul Karim
Universitas Medan Area
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Agarose-Based Antibacterial Films from Gracilaria sp.: Isolation, Characterization, and Metal Nanoparticle Incorporation Ahmad, Ahyar; Zainuddin, Rahmaniah; Saksono, Budi; Anita, Sita Heris; Zulfiana, Deni; Ermawar, Riksfardini A.; Arfah, Rugaiyah; Natsir, Hasnah; Karim, Harningsih; Irmawati; Ramli, Siti R.; Karim, Abdul
Emerging Science Journal Vol. 9 No. 5 (2025): October
Publisher : Ital Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28991/ESJ-2025-09-05-03

Abstract

The incorporated metal nanoparticles in a polysaccharide-based film exhibit efficient antibacterial activity against harmful germs. However, previous studies have used a commercial polysaccharide for their film production. Therefore, this study aimed to develop a natural polysaccharide-based film extracted from the local algae Gracilaria sp. originating from Sinjai Regency, South Sulawesi, Indonesia. Firstly, the polysaccharide agarose was isolated and its properties compared with those of commercial agarose. A present low-cost isolation process produces agarose with 1.8% (w/w) of yield. Results also showed physicochemical properties similar to those of the commercial agarose. Secondly, the agarose-based antibacterial film was synthesized at 0, 0.5, and 1% glycerol concentrations. The synthesized film was incorporated with silver (Ag) and copper (Cu) nanoparticles (NPs). Morphological, mechanical, and physicochemical properties of the incorporated Ag-agarose and Cu-agarose films were characterized using Field Emission Scanning Electron Microscope (FESEM), Universal Testing Machine (UTM), and Fourier Transform Infrared Spectroscopy (FTIR), respectively. Results showed the film stiffness and tensile strength increased by incorporating either AgNPs or CuNPS. The interaction of AgNPs-agarose most likely involves physical bonds, while the interaction of CuNPs-agarose forms coordination bonds. An antibacterial test showed that the Ag-agarose nanocomposite inhibited the growth of Escherichia coli, Salmonella typhimurium, Staphylococcus aureus, Staphylococcus epidermidis, and Bacillus subtilis. In the meantime, Cu-agarose prevented the growth of Staphylococcus aureus. Overall, antibacterial activity was influenced by the interaction between metal nanoparticles and agarose, the concentration of metal nanoparticles, and the film's solubility. An agarose-based antibacterial film from Gracilaria sp. has the potential for use in various applications, including food packaging, pharmaceuticals, and other industries.
The Urgency of Digital Literacy in Improving Teacher Performance: A Case Study In Lebak Regency, Indonesia Karim, Abdul; Sudadio, Sudadio; Juansah, Dase Erwin
International Journal of Educational Management and Innovation Vol. 7 No. 1 (2026)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijemi.v7i1.14684

Abstract

Background. The rapid development of information and communication technology has transformed the educational landscape, requiring teachers to possess adequate digital literacy skills to optimize the learning process. In Lebak Regency, the diversity of geographical conditions and technological infrastructure raises questions about the extent to which digital literacy affects teacher performance. This study aims to analyze the effect of digital literacy on junior high school teachers’ performance in the region. Methods. Using a quantitative approach and a correlational survey method, data were collected from 120 purposively sampled teachers representing three geographical zones. The research instrument was validated and tested for reliability before use. Data analysis employed descriptive statistics and simple linear regression. Results. The results showed that digital literacy had a significant and positive effect on teacher performance, contributing 48.6%. Teachers with high digital literacy demonstrated better abilities in planning, implementing, and evaluating learning activities. Most respondents were in the high digital literacy category, although a small portion remained at a low level, particularly in areas with limited technological access. Conclusion. This study provides novelty by quantitatively analyzing this relationship within a specific subnational context (Lebak Regency) characterized by significant geographical and infrastructural disparities, a gap often overlooked by previous national-level or urban-focused research. The findings imply a critical need for a dual intervention policy that requires local government to not only improve equitable ICT infrastructure but also design adaptive professional development programs focused on contextual digital pedagogy to bridge the persistent competency gap
A Review of EEG Applications in Neuromarketing: Methods, Insights, and Future Directions Pamungkas, Yuri; Thwe, Yamin; Karim, Abdul; Hashim, Uda
Buletin Ilmiah Sarjana Teknik Elektro Vol. 7 No. 4 (2025): December
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/biste.v7i4.14375

Abstract

EEG is increasingly applied in neuromarketing as it provides direct insights into consumer cognition and emotion beyond traditional self-report measures. However, challenges such as small samples, low ecological validity, and methodological limitations hinder its broader real-world application. The research contribution is a comprehensive synthesis of 40 empirical studies that examine EEG applications in neuromarketing, highlighting methodological approaches, analytical techniques, key insights, and persistent gaps that define the current state of the field. This review applied a structured comparative method by extracting and analyzing details from published EEG-based neuromarketing studies, including sample characteristics, device specifications, stimuli types, analytical techniques, and outcomes. The data were organized into a review table and further examined for patterns, strengths, limitations, and emerging opportunities. The results reveal that EEG can reliably classify consumer preferences when paired with deep learning models, while EEG indices such as neural synchrony and frontal alpha asymmetry predict advertising effectiveness and purchase intention. Emotional and attentional processes were consistently reflected in ERP components, and multimodal integration with physiological and behavioral data improved predictive validity. Nonetheless, most studies relied on small, homogeneous samples and static laboratory stimuli, limiting generalizability. In conclusion, EEG holds strong potential for advancing neuromarketing research and practice, yet future work must address scalability, cross-cultural validation, and ecological realism to fully harness its promise.
Pemberdayaan Mahasiswa Melalui Program Kantin Kontainer oleh Dompet Dhuafa Jawa Tengah di UIN Walisongo Semarang Mudawamah, Mufidatul; Riadi, Agus; Karim, Abdul
Jurnal SOLMA Vol. 14 No. 3 (2025)
Publisher : Universitas Muhammadiyah Prof. DR. Hamka (UHAMKA Press)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/solma.v14i3.20078

Abstract

Background: Mahasiswa yang berasal dari keluarga ekonomi terbatas kerap menghadapi beban finansial yang signifikan selama menjalani pendidikan tinggi. Dompet Dhuafa Jawa Tengah menginisiasi Program Kantin Kontainer melalui pengelolaan zakat produktif, yakni pemberian modal usaha yang dijalankan langsung oleh mahasiswa. Program ini bertujuan mendorong kemandirian, sehingga mahasiswa tidak hanya sebagai penerima bantuan secara pasif, tetapi turut berperan aktif dalam kegiatan pemberdayaan. Metode: Metode pengabdian masyarakat yang digunakan adalah proses identifikasi masalah, analisis masalah, penentuan tujuan, perencanaan tindakan, implementasi, serta evaluasi. Hasil: Implementasi pemberdayaan mahasiswa melalui Program Kantin Kontainer di UIN Walisongo Semarang dimulai melalui tahap analisis terhadap kebutuhan mahasiswa yang berasal dari keluarga prasejahtera, namun mempunyai kapasitas akademik sekaligus ketertarikan di bidang kewirausahaan. Dampak yang ditimbulkan yaitu dampak ekonomi, dampak sosial, dampak psikologis, dan dampak spiritual. Kesimpulan: Program Kantin Kontainer di UIN Walisongo Semarang efektif memberdayakan mahasiswa melalui pengelolaan zakat produktif. Program ini meningkatkan kemandirian ekonomi, keterampilan kewirausahaan, serta membentuk karakter sosial dan spiritual mahasiswa. Secara keseluruhan, Kantin Kontainer menjadi model inovatif pemberdayaan berbasis zakat yang mendukung pembangunan berkelanjutan di perguruan tinggi.
Workshop Perancangan Story Board dan Story Line dalam Pembuatan Komikstrip Matematika Karim, Abdul; Wiratomo, Yogi; Purnama, Indah Mayang
Jurnal ABDINUS : Jurnal Pengabdian Nusantara Vol 3 No 2 (2020): Volume 3 Nomor 2 Tahun 2020
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/ja.v3i2.13715

Abstract

Program pengabdian kepada masyarakat tentang workshop perancangan stroryboard dan storyline dalam pembembuatan komikstrip hadir untuk melatih guru-guru MGMP matematika SMP Komisariat Cisarua Kabupaten Bogor. Program ini dilaksanakan dengan tujuan memberikan pelayanan kepada gurur-guru tentang pengembangan media pembelajaran komikstrip dengan desain instruksional ADDIE melalui pelatihan yang akan disediakan oleh tim pelaksana. Metode pelaksanaan pengabdian adalah persiapan, pelaksanaan dan evaluasi. Lokasi pengabdian kepada masyarakat di SMP Negeri 1 Ciawi Bogor, Jl. Veteran III Banjarwangi Ciawi Kab. Bogor. alat-alat yang diperlukan seperti seminar kit, speaker, dan LCD. Peserta pelatihan berjumlah 50 orang guru matematika. Kegiatan pelatihan dilaksanakan pada tanggal 24 Juni 2019. Pada tahap pelaksanaan pemateri memeberikan materi tentang pendekatan pengembangan dengan menggunakan disain intruksional ADDIE dan cara membuat storyboard dan storyline dalam perancangan komikstrip matematika. Luaran yang dihasilkan dalam program pengabdian kepada masyarakat ini adalah berupa pengetahuan dan pemahaman dalam pengembangan media pembalajaran berbasis komik dan rancangan storyboard dan storyline kelas VII SMP
Manajemen Kelas pada Taman Kanak-kanak di Wilayah Timur Indonesia: Studi Kasus di Provinsi Papua Selatan, Papua Tengah, dan Papua Kurniawan, Diki; Somanedo, Ofri; Miftakhi, Diah Rina; Karim, Abdul; Sopiyana, Muhammad
Jurnal Bahana Manajemen Pendidikan Vol 14, No 2 (2025): Volume 14 Nomor 2 Tahun 2025 in Progress
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/jbmp.v14i2.136407

Abstract

Manajemen kelas yang efektif merupakan salah satu faktor penting dalam menciptakan lingkungan belajar yang kondusif pada pendidikan anak usia dini. Penelitian ini bertujuan untuk menganalisis praktik manajemen kelas pada taman kanak-kanak di wilayah Papua Selatan, Papua Tengah, dan Papua dengan meninjau tiga aspek utama, yaitu lingkungan fisik kelas, kondisi sosial-emosional, dan dukungan organisasional sekolah. Penelitian ini menggunakan pendekatan kuantitatif deskriptif. Sampel penelitian berjumlah 76 guru taman kanak-kanak yang dipilih menggunakan teknik purposive sampling dari beberapa satuan pendidikan anak usia dini di wilayah penelitian. Data dikumpulkan melalui kuesioner terstruktur yang mengukur praktik pengelolaan kelas berdasarkan indikator lingkungan belajar, interaksi sosial-emosional, serta dukungan kelembagaan sekolah. Teknik analisis data dilakukan menggunakan analisis statistik deskriptif untuk menggambarkan kecenderungan praktik manajemen kelas yang diterapkan oleh guru. Hasil penelitian menunjukkan bahwa praktik manajemen kelas pada satuan pendidikan anak usia dini di wilayah Papua masih menghadapi sejumlah tantangan, terutama terkait keterbatasan fasilitas fisik pembelajaran, penerapan pendekatan pengelolaan kelas yang belum sepenuhnya berorientasi pada kebutuhan perkembangan anak, serta dukungan organisasi sekolah yang belum optimal dalam memberikan supervisi pedagogis dan pengembangan profesional guru. Kondisi tersebut menunjukkan bahwa penguatan kapasitas guru dan dukungan kelembagaan sekolah menjadi faktor penting dalam meningkatkan kualitas pengelolaan kelas pada pendidikan anak usia dini. Implikasi penelitian ini menegaskan pentingnya pengembangan kebijakan pendidikan dan program pelatihan guru yang lebih kontekstual untuk mendukung 
Effectiveness of Transformational Leadership, Motivation, and Job Satisfaction in Improving Teacher Performance at Madrasah Aliyah Riyadhul Jannah Subang Hasanah, Ru'yatul; Karim, Abdul; Subasman, Iman; Haedari, Amin; Jalaludin , Jalaludin; Zulfahmi, Zulfahmi
Eduprof : Islamic Education Journal Vol. 7 No. 2 (2025): Eduprof : Islamic Education Journal
Publisher : Program Pascasarjana, Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47453/eduprof.v7i2.405

Abstract

The quality of human resources is a decisive factor in the success of Islamic educational institutions, yet studies on Islamic transformational leadership and its impact on teacher performance remain limited. This research addresses the gap by examining the role of transformational leadership, work motivation, and job satisfaction in shaping teacher performance at Madrasah Aliyah Riyadhul Jannah Subang, an institution facing challenges of low motivation and high workload among teachers. Using a quantitative survey method, data were collected from 16 teachers and analyzed through regression techniques. The findings indicate that work motivation has a positive and significant effect on teacher performance, while transformational leadership and job satisfaction show no significant effect. This suggests that structural and cultural factors within the madrasah, including workload distribution and institutional norms, may weaken the influence of leadership and satisfaction compared to motivation. The study implies that strengthening teacher motivation is crucial for performance improvement in Islamic education, while leadership approaches must be contextualized to the realities of madrasah culture. These results highlight the need for further exploration of Islamic transformational leadership models in enhancing teacher performance.
Pengaruh Pelatihan dan Pengembangan terhadap Kinerja Anggota Dewan dan Pegawai DPRD Kota Tangerang Selatan Karim, Abdul; Sutariyono, Sutariyono; Arza, Zubair
Jurnal Ilmiah Ekonomi Manajemen & Bisnis Vol. 3 No. 3 (2025): August 2025
Publisher : Sekolah Tinggi Ilmu Ekonomi Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60023/tfjenr92

Abstract

Kajian ini mengeksplorasi dampak pelatihan dan pengembangan dengan kinerja anggota dewan dan pegawai di lingkungan DPRD Kota Tangerang Selatan. Keaslian penelitian ini berfokus pada institusi legislatif, yang masih jarang diteliti dalam kajian pengembangan sumber daya manusia. Kajian ini bertujuan untuk mengevaluasi tingkat sejauh mana program pelatihan dan pengembangan memengaruhi hasil kinerja. Studi ini mengadopsi pendekatan kuantitatif berbasis survei, dengan melibatkan 75 partisipan melalui distribusi kuesioner secara online. Temuan studi mengindikasikan bahwa pelatihan dan pengembangan terbukti secara signifikan meningkatkan kinerja, sebagaimana tercermin dari nilai koefisien korelasi sebesar 0,821, yang menunjukkan adanya hubungan sangat kuat serta koefisien determinasi sebesar 67.4% mengindikasikan bahwa proporsi terbesar variasi kinerja dapat dijelaskan oleh faktor pelatihan dan pengembangan. Model regresi (Y = 9.859 + 0.774X), mengonfirmasi pengaruh positif dan uji t menunjukkan hasil signifikan (t = 12.272; p < 0.05). temuan ini mengimplikasikan bahwa implikasi pelatihan dan pengembangan yang sistematis menjadi elemen fundamental guna memperkuat serta produktivitas institusi legislatif.
Avicenna Perpective of Learning-Difficulties, Screen-Time, and Emotional-Behavioral Issues in Children with Tuberculosis Nisaa', Defa Rahmatun; Dz, Abdus Salam; Karim, Abdul; Sambas, Dedi Rachmadi; Ramadhan, Muhammad Fachdi
Majalah Kedokteran Bandung Vol 57, No 4 (2025)
Publisher : Faculty of Medicine, Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15395/mkb.v57.4299

Abstract

Pediatric tuberculosis has become a significant issue in Indonesia, affecting physical, mental, social, and educational aspects of the child. This correlational quantitative study aimed to analyze the correlation between learning-difficulties, screen-time, and emotional-behavioral issues of children with tuberculosis from the perspective of Avicenna. Data collection was performed on 68 children aged 5–12 years in Cirebon, Indonesia, during December 2024. Learning-difficulties were assessed using the Collorado Learning Difficulties Questionnaire in mathematics and language proficiency tests, while emotional-behavioral issues were measured using the Pediatric Symptom Checklist-17. Data analysis was then performed using the Spearman-Rank correlation test. Results showed that there was no significant relationship between learning-difficulties and children's emotional-behavioral issues in either language (r=0.56, p>0.05) or mathematics (r=0.212, p>0.05). However, excessive screen-time was significantly associated with emotional-behavioral issues (r=0.63, p<0.05). Avicenna's perspective shows the importance of balancing physical, mental, and spiritual health to support children's development. This study recommends reducing screen-time, providing family support, and integrating spiritual values into health interventions for children with tuberculosis to mitigate the psychosocial impacts of the disease. Thus, a holistic approach grounded in cultural and spiritual values for managing the condition is crucial.
Analisis Sistem Kelayakan Penyaluran Pembiayaan Pada Bank Sulselbar Unit Usaha Syariah Wahyudi, Asri; Abduh, Thamrin; Karim, Abdul
Journal of Economy Business Development Vol. 3 No. 3 (2025): Journal of Economy Business Development, Desember 2025
Publisher : Program Studi Manajemen Universitas Bosowa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56326/jebd.v3i3.3379

Abstract

Penelitian ini bertujuan untuk menganalisis sistem kelayakan penyaluran pembiayaan serta mengevaluasi kinerja sistem tersebut pada Bank Sulselbar Unit Usaha Syariah Cabang Makassar. Fokus kajian diarahkan pada tahapan analisis pembiayaan, mekanisme pengambilan keputusan, serta pengelolaan risiko pembiayaan dalam konteks perbankan syariah. Pendekatan penelitian yang digunakan adalah kualitatif dengan desain deskriptif, sehingga memungkinkan penggalian informasi secara mendalam mengenai praktik operasional yang diterapkan oleh bank. Data penelitian diperoleh melalui wawancara, observasi, dan dokumentasi terhadap pihak yang terlibat langsung dalam proses penyaluran pembiayaan. Hasil penelitian menunjukkan bahwa sistem kelayakan penyaluran pembiayaan dilaksanakan melalui prosedur yang terstruktur dan mengacu pada prinsip kehati-hatian. Penerapan prinsip 5C of Credit menjadi dasar utama dalam menilai kelayakan nasabah, disertai dengan pemeriksaan riwayat pembiayaan dan kepatuhan terhadap prinsip syariah. Kinerja sistem kelayakan pembiayaan tercermin dari kemampuan bank dalam mengendalikan risiko dan menjaga kualitas pembiayaan. Hambatan operasional yang muncul dapat diantisipasi melalui strategi manajerial yang adaptif, termasuk restrukturisasi pembiayaan bermasalah. Penelitian ini memberikan kontribusi empiris terhadap pengembangan manajemen pembiayaan syariah dan dapat menjadi referensi bagi peningkatan praktik pembiayaan pada bank syariah. This study aims to analyze the feasibility system of financing distribution and to evaluate the performance of the system at Bank Sulselbar Sharia Business Unit, Makassar Branch. The analysis focuses on the stages of financing assessment, decision-making mechanisms, and risk management practices within the context of Islamic banking. A qualitative approach with a descriptive design was employed to obtain an in-depth understanding of the operational practices applied by the bank. Research data were collected through interviews, observations, and documentation involving parties directly engaged in the financing distribution process. The findings indicate that the feasibility system for financing distribution is implemented through structured procedures and adheres to the principle of prudence. The application of the 5C of Credit principle serves as the main framework for assessing customer eligibility, supported by credit history evaluation and compliance with Sharia principles. The performance of the feasibility system is reflected in the bank’s ability to control financing risks and maintain financing quality. Operational constraints can be addressed through adaptive managerial strategies, including financing restructuring. This study provides empirical insights into Islamic financing management and offers practical implications for strengthening financing practices in Sharia banking institutions.
Co-Authors -, Sulistyoningsih Aat, Aat Abduh, Thamrin Abdul Fatah Abdul Fatah Abdul Malik Abdul Manan Abdur Rahman Arif, Abdur Rahman Abdus Salam, Abdus Abdussalam Abdussalam, Abdussalam Abidin, Ahmad Rhomadhanil Abubakar, Herminawaty Acharjya, Vasavvi Achmad, Refi Riduan Adawiyah, Umi Robiatul Ade Yuniati Pratiwi Adeni, Adeni Adimuntja, Revoluance Adventio, Jeremi Afandi, Yuyun Afdhal Fuadi Affar, Muhammad Afita Nur Hayati Agnes Aryesam Agung Priyo Utomo Agus Retnanto Agus Riadi Agus Riyadi Agustan Agustan, Agustan Aguswandi, Lalu Heri Ahmad Atabik Ahmad Cahyadi **) Ahmad Fadhel Syakir Hidayat Ahmad Labib Ahmad, Amrullah Ahmadi, Ahmad Ahyar Ahmad Ahzrani, Ade Syfhia Ain, Nafilatul Akbar Akbar Akbar, Muh akud, nabil nabita Al Al Al Arif, Irza Maulana Al Ghozali, Muhammad Iqbal Al Ihwan, Maula Al Misbah, Iyan Alfandi, Muhammad Ikhsan Alfian, Harry Alhusna, Rosiana Ali, Moh Haidar Ali, Moh. Haidar Aliyah, Nadiasofiyatul Alkadry, Ilhamuddin Almusawir, Almusawir Amaliah, Firda amanah amanah Amar Sani, Amar Amin Hidayat Amin Nasir Amiruddin, Muh Amirudin Amirudin Amirudin Ammar, Ammar Amru Siola Ananda, Taufiq Aries Anda Juanda Andi Erwin Eka Putra Andi Syaiful Andi Tira, Andi Anggraini, Avita Anita Damajanti Anwar Anwar Apok, Fitra S. Aqil, Ibnu Ardi Maulana, Ardi Ardiani Ika Sulistyawati ARDIANSYAH ARDIANSYAH Arfah, Rugaiyah Arfah, Rugaiyah A Arfah, Rugaiyah Andi Arifin, Nur Hatima Inda Aspandi, Ade Asrianto, Asrianto Asruddin, Miftha Asteria, Monika Aulia, Hasna Ayomi, Golden Ringgo SC. Ayu, Esti Mustika Azani, Faidah Rizki Azizi, Moh. Rusli Azzam, Hamadah Baehaqi, M Lutfi Bage, Libertus Bahagia Bahagia Bahagia Bahagia Bahar, Saiful Baidi Bukhori Bakar, Herminawaty Abu baroroh, nurin Baso Madiong Biharudin, Akmal Bintoro, Carolus Blandina Hendrawardani Boimin budi manfaat, budi BUDI SAKSONO Burhanuddin, Andi Cahyadi, Moh. Cakrayana, Iwan Candra Yuliana Casta, Casta Cecep Sumarna Chahyono, Chahyono Chintya Hilyatun Nisa’ Cintiya Anggita, Marsa Daniel Dewantoro Rumani Darmansyah Tjitradi Darmayanti, Widy Darmini, Mimin DARYONO Dase Erwin Juansah Dasuki, Moh. Dedi Dedi Dedy Dwi Prastyo Deni Zulfiana Deny Jollyta Desi, Natsar Desy Anita Karolina Sembiring Devy, Happy Sista Dewi, Maftuhah Dewi, Sahla Nur Aulia Dewi, Sinti Dharmawan, Robby Dhelia, Hafidzatul Dian Herdiati Diana, Asna Didin Nurul Rosidin Difa Intannia Diki Kurniawan Dinn Wahyudin, Dinn Diora, Tresha Adiestia Djohan, Moh Widda Dwi Budi Santoso DWI SURYANTO Dwihandoko, Toto Heru dwyana, Zarsawaty Dyah Susilowati Dz, Abdus Salam E. Harso Kardhinata Efendi, Ilham Julian Efrita Norman Eka Safitri Eka Trisianawati Elfrida Ratnawati Eliatun Eliatun Ema Hidayanti Eman Sulaiman, Eman Emi Rachmi, Emi Endah Widiastuti, Endah Ermawar, Riksfardini A. Ernayanti, Ernayanti Evi Triandini Fadhilah, Aulia Nisa Fadli, Agil Chairul Fahmi Riady, Fahmi Fahmi, Ade Ismail Faisal Faisal Fajrin, Fajrin Fatahillah, Muhammad Lutfi Fatma, Lukiyah Fatmasari Fatmasari Faturohman, Akhmad Fauziah, St Faza, Iqbal Febrianti, Niaqar Firman Menne FIRMAN UMAR, FIRMAN Fitri, Nurul Fitriana, Amalia Indah Forca, Adrian Jaleco Fransiska, Widia Fuqohak, Mukhamad Agus Zuhurul Geby, Geby Ghofururrohim, Abdul Ginting, Dian Vera Br Gultom, Edelwys Fendora Gumilar, Rizkia Tiara Putri Gunawan, M. Indra Hadi, Moh. Aldy Fermansyah Haedari, Amin Hafifah, Nur Hafinuddin Hafinuddin Halimatus Sa’diah Hamdan Hamdan Hamid, Abd. Haris Hamrin, Haryanti Hamsyah, Hamsyah Hanafi, Muhammad Sofyan Hanifatuzzuhra, Hanifatuzzuhra Haqqi, Muhammad Fashih Hibatul Harahap, David Becham Hardianto Hawing Harningsih Karim Harpian, Moh Rahman Hartosujono Hartosujono Hasanah, Adzra Altraf Hasanah, Ru'yatul Hasanuddin Remmang, Hasanuddin Hasbi , Wahyudi Hashim, Uda Hasnah Natsir Hasniaty, Hasniaty Hatta Abdul Malik Hazmanan Khair, Hazmanan Helmayanti, Devyna Dhita Helmina Wati Helna Wardhana Hendar Hendar, Hendar HENDRI PRASETYO Herison Pandapotan Purba Herison, Roni Heru, Heru Hidayah, Hidayah Hidayat, Ahmad Rian Hidayat, Yusril Hijazzi, Akhmad Faruq Humairoh, Humairoh Huri Suhendri Husnul Qodim, Husnul Ida Barkiah Ida Fauziah, Ida Idrus, Muhammad Islah Ikhsanul Khairi Ikhwan Rizki, Muhammad Ilham Azmy Ilyas Supena Imaduddin, Ilmirrizki Iman, Bagus Nurul Indah Mayang Purnama Indah Sari Indifatul Anikoh Indrawati, Fitria Inggamer, Mamberuman Marthen Iqbal Irfany, Mohammad Irfan Prasetia Irja Sepriyanto Jenmau Irmawati Iskandar, Julindiani Iskandar, Muhammad Iskandar, Nur Muhamad Islam, Rio Wakhid Hujjatul Ismail Sulaiman Izma, Hayatun Izzulhaq, Moh. Agung Jaenullah, Jaenullah Jajat Darojat Jajat, Dede Jalaludin , Jalaludin Jalaludin Jalaludin Jamilah Nasution Jannah, Fachriyahthul Jarul Mustajirin Jaya, Laode Muhammad Golok Jeperson Hutahaean Jie, Lie Jixiong, Cai Juansyah, Eka Zada Juhri, Juhri Juin, Nestiana Jumarpati, Jumarpati Juni, Juni Kahermasari Kamaliyah, Rizqi Karmita K, Kesia Khairul Umam Khakim, Muhammad Zahir Luthfil Khatimi, Khusnul Khoiriah, Silviani Qotrunnida Khoirunisa, Elfiya khusnul khotimah Komari Komari Komarudin Komarudin Kridarso, Etty R. Kulkarni, Heramb Kulkarni, Shirin Kumala, Dinna Fitria Kurniastuti, Cahyani Kurniawan, Fahmi Ladjin, Nurjanna Lahabu, Irfan Lalu Awaludin Akbar, Lalu Awaludin Akbar Lathifah, Kurnia Leengaedayee, Paisul Leonel Hernandez, Leonel Lestari, Della Dwi Lubis, Firda Fadhilah Muzanni Lukita Ambarwati Lukman Setiawan M, Ince Abdul Muhaemin M. Mahbubi M. NUR, DANY MIFTAH Madaniyah, Nurul Fajri Fitri Mafinanik, Hanisa Magfiroh, Magfiroh Maharani, Nadiya Mahmuddin, Mahmuddin M. Majid, Muhammad Khamidum Mane, Arifuddin Mansir, Firman Mardap, Erwin Mardianti, Riska Maria Atik Sunarti Ekowati Mariana, Arni Retno Mariani Mariani Marjuni, Sukmawati Marliani, Lina Marluwi, Marluwi Marsia Isa Bwefar Marsuki Marsuki, Marsuki Masdi Masdi Maulana, Huda Maksum Maulani Maulani Maulani, Maulani Maulidya Rif’a, Arini Maya Nurfitriyanti Mazaya El Banna, Aini Mega Fatimah Rosana Meida Nugrahalia, Meida Melya Sari, Melya Meylani Aljeinie Tijow Miftakhi, Diah Rina Millat Ahamad, Nehru Mindyasningrum, Mieke Misbahul Huda Moh. Muhrim Tamrin Mohammad Fathi Royyani, Mohammad Fathi Mohammed Sultan Saif, Gehad Muamilah, Husnul Mudawamah, Mufidatul Mudhofi, M Mudhofi, M. Mufidah, Inayatul Mufila, Safana Fitriani MUHAMAD, NUR Muhammad Azis Muhammad Guntur, Muhammad Muhammad Japar Muhammad Japar Muhammad Maulana Muhammad Nadir Muhammad Ramadhan MUHAMMAD RIZAL muhammad rizky, muhammad Muhammad Sopiyana, Muhammad MUHAMMAD TAUFIK Muhammad Thoyib Muhammad Yamin Muhammad Zakir Muhammad, Putri Nurjannah Muhammadun Muhammadun, Muhammadun Muhtadin, Badrus Saufil Muhtar Muhtar Muhyidin, Mohammad Mukhayadi, M Muliadi Mulyatna , Fauzi Munajim, Ahmad Munawar, Fajar Muniroh, Leny Munthe, Aida Aulia Murni, Nanda Mursyidin Mursyidin Musanan, Muhamad Habsi Musdalifah Muslim Muslim Muthohharoh, Marhamah Mutia , Cucu Nabujing, Nurul Hidayah Nadia Suhalaili, Farabi Nadiyah Nadiyah nasikah, siti Nasikhin, Moch Mahdiyan Nasrullah, Agus Nawawi Nawawi Negara, Andi Kusuma Negara, Satria Putra Jaya Nehru Millat Ahmad Ngo, Badru Nihayah, Ulin Nimas Puspitasari, Nimas Ning Mukaromah Ningsih, Dwi Wachidiyah Nisaa', Defa Rahmatun Noor, Athafa'iq Mufadhadal Noor, Zakky Muhammad Novianti, Idha Nuansah, Unang Nur Asyiah, Nur Nur Istiqomah Nur, Dany Miftah M. Nurcahyati, Niken Nurlatifah, Sofia Nurrahmah, Arfatin Nurrohmah, Ain Nursiah Chairunnisa Nursinthia, Nursinthia Nurul Anriani Nurul Hidayat Nurwidayati, Ratni Nurwijayanti Offirstson, Topic Ofri Somanedo Oman Faturahman Omiwole, Joseph Lere Pakabu, Putri Paliama, Marchelino Palipada Palisuri, Palipada Pamilangan, Melsi Pangesti, Anggun Nur Paningaran, Indrawanto Patty, Junus Paulus Permala, Rizki Pinanggi, Alfisyah Oktarina Pitti, Serliana Pohan, Angga Hasanul Amri Prabayoansa, Aris Prabowo, Gunawan S Prabowo, Guritno Adhi Prakoso, Puguh Budi Prastawa Budi Purnasih, Uun Purwanto, Fadli Nurgamma Pusaka, Semerdanta Pusmiati, Pusmiati Puspita, Lita Putri Ellen Gracia Risamasu Putri T, Anellia Putri, Fitrahati Arya Putri, Marizka Anindya Qaaf, Muhammad Qaaf, Muhammad Alfath Qoim Nurani Qurani, Ariqah Anzila Rachmawati, Windasari Raden Mohamad Herdian Bhakti Rafra, Joshua Alexander Rahayu, Anggita Sri Rahma, Tarisa Rahman Nor Afif Hamid, Abdur Rahman, Mohd Ilham Fat-Thur Rahman, Shinta Abdul Rahman, Tsabit Zada Ramadan, M. Rizki Ramadhan, Adiva Riski Ramadhan, Muhammad Fachdi Ramadhan, Rendy Putra Ramadhan, Zachky Ramli, Siti R. Rangkuti, Linda Astuti Rangkuti, Rahmah Yasinta Rante, Ardo Retno Susilowati Riadi, Rendi Slamet Riksfardini Annisa ERMAWAR Rimun Wibowo, Rimun Rindiany, Rena Rinenggo, Alil Rinenggo, Rinenggo Rini Fitriani Permatasari Riskanita, Dinda Riskiatin, Saroh Risna Sari, Ade Ritonga, Nurul Aini Ritzkal, Ritzkal Riyanto Riyanto Rizal, Saifur Rohendi Rohidi, Tjetjep Rohmah, Ayu Aeni Rohman, Moh Kamalul Rohman, Moh. Kamalul Rokhaeni, Een Romadon, Moh. Wahyu Romansyah Sahabuddin Romly, Abdul Wahid Ropitasari, Anna Rosiyanti, Rosiyanti Rosnaini Daga Rosyad, Ramlan Rosyati, Rosyati Roza Yusfiandayani Rumadai, Muhamad Fadlan Rumra, M. Gadafi Ruslan, Muhlis Rusmana, Indra Martha S, M Rizki Sa'adah, Nurus Sa'diah, Halimatus Sabda Azis, Rohmi Sabrina, R. Saepul Anwar, Usep Safrodin, Safrodin Sahil, Azharuddin Saichul Anam Said, Miah Saifuddin A Pikahulan, Muis Sajiah, Adha Mashur Salam , Abdus Salam DZ, Abdus Saleh, Yusuf Salsabila, Khairunnisa Sambas, Dedi Rachmadi Samian, Supendi Sampe, Sarce Husdi Samsul Bahri Sangsawang, Thosporn Sari, Maria Anita Sari, Sovie Novita Satria Mandala Saud, Chaerul Fadlan Saud, Syukur Savitri, Fania Mutiara Selfe, Selvianus Selon, Lili Septiani, Sheilla Setiana, Diana Setiawan, Ayat Setiawan, Deden Setyastama, R. Shofia, Hany Sholikhah, Ni’matu Silviana Silviana Silviana, Mega Sirait, Evi Siregar, Feby Khairunnisya Siroj, Ahmad Mustofa Aqil Sita Heris Anita SITI HALIMAH LAREKENG, SITI HALIMAH Siti Helmyati Siti Humairoh, Siti Siti Marfuah, Siti Siti Nur Aisyah Sobirin Sobirin SOGALREY, FEBI ADRIANA MUTIARA Solahuddin, Solahuddin Sri Widayati Suadnah, Suadnah Suari, Firdah Maula Fatma Subasman, Iman Sudadio Sudadio Sugiarti, Maesa Fitri Suherman, Suherman Sukmawati Sukmawati Sukmawaty, Eka Sulaiman Sulaiman Sulfadly, Sulfadly Sulistio Sulistio Sulistiyanto Sulistiyanto Sulistiyanto, Sulistiyanto Supardi Suprapto Suprapto Suriani, Seri Suriati Eka Putri Suryaningsih, Yulianti Sutariyono Sutariyono SUZANA, SUZANA Syabibi, Muhammad Ridho Syafiih, M. Syah, Davin Afzaal Syamsiar, Syamsiar Syamsuddin, Indah Taibe, Patmawaty Tambunan, Vini Novalia Tanjung, Eka Agustin Taufiq, Mizwar Thwe, Yamin Tian Abdul Aziz Tjitradi, Aeron Toha, Ahmad Muzaki Ulin Nihayah Umam, Muhammad Nahidhul Umam, Saikhul Umar, Moh Rizqy Umar, Riyan Uniadi Mangidi Upik Mutiara Vanchapo, Antonius Rino Verdiyani, Irwina Sari Veronica Hartanto, Erlin Virza Hadrianti Wahid, Azhar Al Wahyudi Hasbi Wahyudi, Asri Wajd, Farid Wardani, Aisyah Risti Wasik, Abdul Widiantari, Dian Widyaputri, Rizky Ayu William Ramdhan Wulandari, Annisa Fitri Wulandari, Karina Yantos Yoas Yogi Wiratomo Yogi Wiratomo Yulianawati, Dewi Yulikhah, Safitri Yundari, Yundari Yuniarti, Galuh Yunus, Muh. Kafrawi Yuri Pamungkas Yusuf Yusuf Zainuddin, Rahmaniah Zaldi, Ahmad Zayki, Ifsya Zebua, Yuniman Zega, Heri Apriaman Zou, Guijiao ZR, Moch Ridho Zubair Arza Zubair, Abi Amar Zulfahmi Zulfahmi