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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Viva Medika: Jurnal Kesehatan, Kebidanan dan Keperawatan
Herman Efendi
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Economics, Econometrics & Finance Health Professions Medicine & Pharmacology Nursing Public Health Social Sciences

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Penyelesaian Sengketa Nasabah Wanprestasi di PT. BPRS Bhakti Artha Sejahtera Sampang Ainur Ridho; Abd. Rahman; Faizatul Fitriyah; Herman Efendi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (2022)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (280.276 KB) | DOI: 10.30651/jms.v7i1.8450

Abstract

AbstrakSebagai bagian dari bisnis, terjadinya masalah seperti nasabah wanprestasi merupakan hal yang lumrah terjadi pada sebuah Lembaga Keuangan Syariah, termasuk juga di PT. BPRS Bhakti Artha Sejahtera Sampang (BASS). Hanya saja dalam penyelesaian sengketa tersebut setiap LKS memiliki cara yang berbeda. Oleh sebab itu dalam artikel ini, peneliti berusaha untuk menyajikan secara maksimal seperti apa dan bagaimana cara yang digunakan PT. BPRS Bhakti Artha Sejahtera Sampang dalam upaya menyelesaikan sengketa pembiayaan bermasalah yang terjadi pada lembaganya. Upaya penelitian yang dilakukan peneliti ialah pendekatan penelitian yuridis empiris yang sebagian besar data primernya dikumpulkan melalui proses interview dan observasi non partisipan. Sedangkan data penunjang ialah berasal dari berbagai literatur dan dokumentasi yang berkaitan dengan penelitian. Hasil penelitian menunjukkan bahwa pertama, upaya penyelesaian sengketa pembiayaan di PT. BPRS Bhakti Artha Sejahtera Sampang dilakukan secara non litigasi, seperti bernegosiasi kepada nasabah yang mengalami pembiayaan bermasalah. Kedua, mengenai aturan yang digunakan dalam hal pelaksanaan perjanjian dan eksekusi jaminan seharusnya menggunakan akad rahn tasjily, sedangkan di PT. BPRS Bhakti Artha Sejahtera Sampang masih mengacu pada peraturan internal dan atau mentransfer persoalan tersebut pada pihak ketiga (eksternal) dalam hal ini adalah Kejaksaan Negeri Kabupaten Sampang, sehingga hal tersebut tampak berseberangan dengan Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN MUI) nomor 68 tahun 2008.
Institutional Capacity Building Through Learning Organisation Principles: A Case Study of The Health Training Centre in Riau Herman Efendi; Kiswanto; Yessi Harnani; Dedi Widodo; Syafrani
Viva Medika Vol 17 No 3 (2024)
Publisher : Universitas Harapan Bangsa Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35960/vm.v17i3.1633

Abstract

The Riau Provincial Health Service Health Training Center UPT Institute has an important role in improving the Training Institute using the Learning Organization method. This research uses the Watkins & Marsick Approach model which includes seven dimensions of Learning Organization. At the individual level there are two dimensions, namely Continuous Learning and Inquiry and Dialogue. At the team/group level it is reflected in Team Learning. At the organizational level there are four dimensions, namely Embedded System, Empowerment, System Connection, and Strategic Leadership.  There were 8 informants. Triagulation is used in sources, methods and data. The research results show that the three dimensions of the Learning Organization have been running, with several obstacles. The other four dimensions, namely Organizational Culture, Embedded System, Empowerment, and System Connection are still not optimal. The main obstacles include ineffective communication, low motivation, limited understanding of technology, and lack of infrastructure support. Strategic Leadership alsoneeds to be improved to provide better guidance and resources. This research highlights the importance of improving communication, motivation, and understanding of technology to achieve better organizational performance. Apart from that, the implementation of the Embedded System, Empowerment, System Connection, and Strategic Leadership also still requires improvement.  Overall, this research concludes that the UPT Health Training Center has the potential to become a more effective Learning Organization, requiring more comprehensive efforts in increasing human resource capacity, building an organizational culture that supports learning, and aligning leadership strategies with Learning Organization principles. Recommendations for UPT Bapelkes Riau Province to strengthen continuous learning, inclusive dialogue, team learning, and technology-based systems for efficiency.
Co-Authors Abd. Rahman Ainur Ridho Dedi Widodo Faizatul Fitriyah Kiswanto Kiswanto Syafrani Yessi Harnani