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All Journal Jurnal Fakultas Ekonomi : OPTIMAL Jurnal Ilmiah Ekonomi Islam JCES (Journal of Character Education Society) AT-TURAS: Jurnal Studi Keislaman Jurnal Samudra Ekonomi dan Bisnis Jurnal Tabarru': Islamic Banking and Finance Jurnal Masyarakat dan Budaya JESI (Jurnal Ekonomi Syariah Indonesia) Akuntabilitas: Jurnal Ilmiah Ilmu-Ilmu Ekonomi eBA Journal: Journal Economic, Bussines and Accounting Jurnal Mantik Jurnal Pendidikan dan Konseling El-Usrah: Jurnal Hukum Keluarga International Journal of Economics Development Research (IJEDR) Management Studies and Entrepreneurship Journal (MSEJ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Academia Open Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Indonesian Journal of Law and Economics Review AL-FALAH : Journal of Islamic Economics Jurnal Ekonomika dan Bisnis Islam Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Jurnal Ekonomi Syariah dan Bisnis CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis Proceeding of The International Conference on Economics and Business Keris: Journal of Community Engagement Jurnal Masyarakat Mengabdi Nusantara IJBEM : Indonesian Journal of Business Economics and Management Santri: Journal of Student Engagement West Science Law and Human Rights Jurnal Riset Manajemen dan Ekonomi Jurnal Informasi Pengabdian Masyarakat Jurnal Informatika Ekonomi Bisnis Journal of Economics and Management Scienties Imara: Jurnal Riset Ekonomi Islam International Journal of Management Analytics (IJMA) Jurnal Pengabdian Masyarakat dan aplikasi Teknologi IIJSE Jurnal Media Akademik (JMA) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah IJMA Al-Istimrar: Jurnal Ekonomi Syariah Tijarah Journal of Aswaja and Islamic Economics International Journal of Economics, Business and Innovation Research Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan
Farid Ardyansyah
Fakultas Keislaman Universitas Trunojoyo Madura
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Physics Social Sciences Other

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Evaluating the Effectiveness of 5c-Based Risk Mitigation and Sharia-Compliant Restructuring in Reducing NPF in Sharia Mortgage Financing: A Case Study of Bank BTN Syariah Diponegoro Surabaya Rifantini, Adinda; Ardyansyah, Farid
JURNAL AT-TURAS Vol 12, No 4 (2025)
Publisher : Universitas Nurul Jadid

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/at-turas.v12i4.13299

Abstract

This study analyzes the implementation and effectiveness of risk mitigation strategies in Sharia Home Ownership Loan (KPR) financing using the 5C principles (Character, Capacity, Capital, Collateral, Condition) and sharia-compliant restructuring mechanisms to reduce Non-Performing Financing (NPF) at Bank BTN Syariah Diponegoro Surabaya. The issue is critical because the national NPF ratio for sharia mortgages has shown fluctuations in recent years, posing threats to portfolio quality and institutional stability. Using a descriptive qualitative approach, data were collected through semi-structured interviews with three key informants directly involved in consumer financing analysis, collection, and documentation, complemented by secondary data from internal bank reports and regulatory sources. Data validity was ensured through source triangulation, technical triangulation, and member checking. The findings show that the rigorous application of the 5C principles helped prevent high-risk applicants from entering the financing portfolio, with 23% of applications rejected during 2024–2025 due to 5C deficiencies. Meanwhile, restructuring measures—through rescheduling, reconditioning, and contract adjustments—helped stabilize debtor repayment abilities and contributed to a decline in potential NPF escalation. Internal branch records indicate that these combined mitigation strategies helped maintain NPF at a controlled level despite wider national fluctuations. This study contributes to the literature by integrating pre-disbursement (5C) and post-disbursement (restructuring) mitigation frameworks within sharia mortgage financing, addressing a gap in existing studies that often examine these mechanisms separately. Practically, the results provide guidance for Islamic banks in strengthening responsive and sharia-compliant risk management systems.
The Impact of Talent Management on Employee Performance: A Perspective from Islamic Banking Industry Ardyansyah, Farid; Faliza, Nur; Fadhlan, Abdi
Jurnal Informatika Ekonomi Bisnis Vol. 7, No. 4 (December 2025)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v7i4.1297

Abstract

This study aims to examine the impact of talent management practices on employee performance in the Islamic banking industry in East Java, Indonesia. Using a quantitative approach, data were collected through questionnaires distributed to 210 employees of Islamic banks. This study employed multiple regression analysis to test the relationship between talent management practices and employee performance. The results revealed that talent management practices, including recruitment, training, career development, and retention, have a significant positive impact on employee performance. These findings provide insight that effective talent management can improve productivity, work quality, and employee commitment to the organization. Therefore, Islamic banks are recommended to continue investing in talent management as a strategic tool to enhance employee performance, while ensuring these practices align with Sharia values to create an ethical and sustainable work environment.
Strategi Pengembangan Sumber Daya Manusia Melalui Metode Analisis SOAR pada Pariwisata Syariah di Pulau Madura Farid Ardyansyah; Nasrulloh Nasrulloh
Jurnal Ilmiah Ekonomi Islam Vol. 8 No. 3 (2022): JIEI : Vol.8, No.3, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i3.6560

Abstract

According to data from The Global Islamic Economy Report cited by Reuters (2015) predicts that it will increase in 2019 to 238 billion dollars and represent 13% of global contests. Projections of Muslim tourists will increase so that Madura Island, which is still just developing, is able to take advantage of these opportunities and can take advantage of one of the sharia tourism development destinations that must be able to take advantage of these opportunities and prove that the Madura economy is capable and competitive. Sharia tourism is a tourism concept that makes it easy for Muslim tourists to fulfill their travel needs. The analytical method used to formulate the strategy is SOAR analysis using a matrix that is adapted to research needs. The results of this study include 1) Planning and developing tourism through the creation of promotional media, both print media and social media that are integrated with the website to attract tourists and investors. 2) Rearrange and classify tourist objects by making clear, persuasive, informative and binding regulatory plans. 3) Madura Island tour packages in collaboration with relevant agencies or travel agents. 4) Creating training and coaching activities for local youth or synergizing with local communities in an effort to build excellent service. 5) Provide facilities and infrastructure that support Madura Island tourism comprehensively, such as a safe, communicative and integrated information service center. 6) Coordinate and map areas that are tailored to the needs and expected numbers. In addition, making regulations and coaching for owners of tourist agents, owners of inns/hotels or synergizing with the surrounding community.
Co-Authors A. Mahendra Afif Alfiyanto Afifah Afifah Agus Supriyanto Alfia, Nanda Amalia Rahmawatus Syafa’ah Amaliya, Najmi Maulita Amalna, Fika Ami Dewi Lestari Amir, Siib Anantadjaya, Samuel PD Aslichah Atika Kharisma Putri Austinnisa', Fadia Ayu Soraya Azzam Khalidy Betty Rahayu Cakranegara, Pandu Adi Citra Nur Islamiyah Dewi Rahma Safitri Dian Dian Dimas Ahmad Muflikh Dismita Citra Dewi Dwicahyani, Anindya Rachma Emiliyan Mamuki Erdhianto, Yoniv Evi Yuliawati FADHLAN, ABDI Febriana, Dyah Ayu Firdausi, Firna Nahwa Fitriani, Anisa Putri Fitriyah, Zahrotul Hammam, Hammam Hana Fauzia Qothrun Nada Hartono, Rudi Hastawati Chrisna Suroso, Hastawati Chrisna Hayat Hayat Hendrik I Nyoman Tri Sutaguna Imanuel Tarigan Irwan Moridu Ishaq, Ardan Maulana Ismi Nur Azizah Jannah, Anisatul Kartika Sari Khanifatul Khusna Khoirun Nasik Kurnia Fitri Salsabila Kurnia Meinawati Kurniyeh Kurniyeh Lailatul Syariva Lukmandono Luluk Hanifah Luluk Hanifah, Mir’Atul Fitriyah Mahmiyatus, Mahmiyatus Mardani, Agnes Dini Marnoto, Marnoto Mekar Meilisa Amalia Meriandini, Nanik Dela Merin Nurlita Fitra Dwika Moch. Fachrieza M. B Muhamad Malik Muttofar Muhammad Arsutil Adlah Muhammad Satriya Mukti Fauzan Maskuniswatin Mukti, Gatot Basuki Hari Muttaqin Choiri Nabila Padmasari Nanda Shally Maulini Nasrulloh Nasrulloh Nawangwulan, Irma M Nely Agustin Nely Agustin Ni Luh Putu Hariastuti Nia Febrianti Nia Febrianti Nopriadi Saputra Nur Adinda Putri Nur Faliza Nur Ijabah Nur Ijabah, Nur Nurhayati Nurhayati Okta Karneli, Okta Palupiningtyas, Dyah Paramesti, Rara Nidhana Paulus Laratmase Pratama, Andreas Dhiyong Putri, Haliza Nabila Rachmat, Timotius A Ratih Kusumastuti Ria Estiana Rifantini, Adinda Rifki Abdul Malik Rio Ferdinand, Adam Rony Prabowo Rosita Ramadhani Sholehah, Ummadinatus Sugiarto, Vito Andrianto Pratama Suhartini Suhartini Suparjo Suparto Suparto Syariva, Lailatul Taufiqur Rahman Ubaid, Zaky Ufi Rumefi Ulfa, Sania Maria Umi Setyorini Viki Amalia Vincendy, Constantinus Johananda Kardinal Wanda Halim Mawaddah Wiryawan, Dedik Zahrotul Fitriyah Zinka Aldamayatri