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MITIGASI PEMBIAYAAN BERMASALAH DALAM AKAD MUDHARABAH DI BANK SYARIAH Yosinta Pangestuti; Bayu Sudrajat
J-EBI: Jurnal Ekonomi Bisnis Islam Vol 1, No 02 (2022): J-EBI: JURNAL EKONOMI DAN BISNIS ISLAM
Publisher : J-EBI (Jurnal Ekonomi Bisnis Islam)

Bank Syariah dirancang sebagai suatu sistem dengan bagi hasil sebagai dasar operasionalnya. Prinsip utama yang digunakan adalah kejujuran, terutama dari pihak debitur (nasabah). Hal tersebut ternyata menimbulkan banyak permasalahan yang timbul dalam penerapannya karena banyak data yang disampaikan nasabah tidak sesuai dengan kondisi sebenarnya. Hal yang demikian ini akan menimbulkan masalah-masalah dan penyimpangan-penyimpangan yang dilakukan oleh nasabah. Tulisan ini akan menyampaikan tentang masalah-masalah yang muncul serta mitigasinya pada sistem bagi hasil bank syariah.

Prinsip Tolong-Menolong (I'anah) Sebagai Landasan Etika Transaksi Dalam Perbankan Syariah: The Principle of Mutual Assistance (I’anah) as the Ethical Foundation of Transactions in Islamic Banking Alfianti, Balita; Sudrajat, Bayu; Asy-syifa, Luthfi Durori; Rozak, Muhammad Fathur; Nashrullah, Nashi; Pangestuti, Yosinta
COSMOS : Jurnal Ilmu Pendidikan, Ekonomi dan Teknologi Vol 3 No 1 (2025): Desember-Januari
Publisher : PUSDATIN Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.17928848

This study aims to analyze the principle of i’ānah as the ethical foundation for transactions within Islamic banking, utilizing a qualitative approach grounded in literature review and thematic analysis. The principle of i’ānah is conceptualized as the value of mutual assistance, serving as the moral cornerstone for all Islamic economic activities. By employing a qualitative methodology with a library research design and thematic analysis, this research conducts an in-depth examination of i’ānah as the ethical basis for Islamic banking transactions. The findings indicate that i’ānah functions not merely as an ethical guideline but also as a philosophical framework that reinforces the social orientation and justice inherent in Islamic banking transactions. An analysis of various classical and contemporary literature, alongside regulatory documents, demonstrates that integrating i’ānah values into Islamic banking products, services, and governance can enhance ethical compliance, strengthen accountability, and bolster institutional reputation. This study emphasizes the strategic urgency of implementing i’ānah values to fortify moral legitimacy and promote public benefit (maslahah) within Islamic financial practices. These findings pave the way for future research concerning the empirical measurement of i’ānah values regarding institutional behavior and customer perception.

Analisis Unsur Gharar dalam Akad Wakalah bil Ujrah Pada Produk PRUsyariah: Analysis of Gharar Elements in Wakalah bil Ujrah Contracts in PRUsyariah Products Hasanah, Wardatul; Sudrajat, Bayu; Soviana, Vriana; Firmansyah, Ahmad Riski; Pangestuti, Yosinta
COSMOS : Jurnal Ilmu Pendidikan, Ekonomi dan Teknologi Vol 3 No 1 (2025): Desember-Januari
Publisher : PUSDATIN Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18160800

This article examines the analysis of the element of gharar (uncertainty or ambiguity) in wakalah bil ujrah contracts within Sharia bancassurance products, with a focus on the PRUsyariah case study. As one of the primary contracts in the Sharia bancassurance scheme, wakalah bil ujrah demands a high level of transparency to avoid transaction practices containing gharar. This study aims to identify potential forms of gharar, assess their categories—whether they constitute gharar fahisy (major uncertainty) or gharar yasir (minor uncertainty)—and evaluate their compliance with muamalah principles and DSN-MUI fatwas. The research employs a normative juridical method through literature review, analysis of PRUsyariah policy documents, and comparison with classical fiqh provisions and DSN fatwas regarding wakalah bil ujrah contracts in the Sharia insurance industry. The results indicate that although the structure of the PRUsyariah contract generally complies with Sharia provisions, there are several potential instances of gharar that must be anticipated, particularly regarding the transparency of benefits, fees, and investment mechanisms. With proper mitigation, potential gharar fahisy can be prevented, ensuring the contract remains valid and product operations proceed according to the principles of fairness and transparency in Sharia economics.

Strategi Manajemen Inovasi dalam Meningkatkan Daya Saing UMKM Kuliner di Kecamatan Karangpucung Yosinta Pangestuti; Bayu Sudrajat
Jurnal Manajemen Bisnis Krisnadwipayana Vol 13 No 1 (2025): Jurnal Manajemen Bisnis Krisnadwipayana
Publisher : Program Studi Magister Manajemen Universitas Krisnadwipayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35137/jmbk.v13i1.352

This study aims to analyze the innovation management strategy implemented by culinary Micro, Small, and Medium Enterprises (MSMEs) in Karangpucung District in an effort to increase competitiveness. This study is a type of field research using a qualitative approach with a case study design, data collected through in-depth interviews, observations, and documentation studies on several culinary MSMEs selected purposively. The results of the study indicate that innovation in culinary MSMEs in Karangpucung is dominated by product innovation and marketing innovation, while process and organizational innovation are still limited. The innovation management strategy implemented tends to be informal and ad-hoc, highly dependent on the owner's intuition and response to market feedback. Identification of innovation opportunities mostly comes from consumer demand and observations of local trends, with idea development through small-scale trial and error. Limited capital, knowledge, and access to technology are the main challenges. Nevertheless, these innovations have been proven to contribute to increased sales, product differentiation, and business sustainability, confirming the crucial role of innovation in the competitiveness of MSMEs.

STRATEGI PENGEMBANGAN KARIER DAN RETENSI KARYAWAN PADA LEMBAGA KEUANGAN SYARIAH DI KECAMATAN MAJENANG KABUPATEN CILACAP Yosinta Pangestuti; Supar Supar; Akhman Rohimat; Yanuar Maulana
J-EBI Jurnal Ekonomi dan Bisnis Islam Vol 4 No 02 (2025): Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam K.H. Sufyan Tsauri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57210/j-ebi.v4.i02.188

This study examines the career development strategies and factors influencing employee retention at Islamic Financial Institutions (IFIs) in Majenang District, Cilacap Regency. The research's background is the dynamic role of IFIs in the economy and the unique challenge of managing human resources who are not only technically competent but also possess Sharia integrity. Employee retention is a crucial issue as qualified human resources with sharia integrity are often targeted for recruitment by competitors, both other IFIs and conventional institutions. This research used a qualitative approach with a case study method, where data was collected through in-depth interviews with managers, leaders, and employees from BSI KCP Diponegoro Majenang, BPRS Syuriah Majenang, and BMT Surya Utama Majenang. The findings indicate a significant difference in the strategies implemented: BSI uses a formal and structured approach, consistent with the Competency-Based Career Planning Model and the Dual Career Path Model. Meanwhile, local IFIs adopted an informal and personal approach through coaching and discussions, aligning with the concept of informal learning and the Protean Model. The main factors influencing employee retention were spiritual motivation viewing work as an act of worship and a trust (amanah) a supportive work environment, and fair leadership. Employee retention is successfully achieved through the integration of sharia values into human resource management, creating an organizational culture based on ukhuwah (brotherhood) and amanah (trust).

Strategi Manajemen Inovasi dalam Meningkatkan Daya Saing UMKM Kuliner di Kecamatan Karangpucung Yosinta Pangestuti; Bayu Sudrajat
Jurnal Manajemen Bisnis Krisnadwipayana Vol 13 No 1 (2025): Jurnal Manajemen Bisnis Krisnadwipayana
Publisher : Program Studi Magister Manajemen Universitas Krisnadwipayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35137/jmbk.v13i1.352

This study aims to analyze the innovation management strategy implemented by culinary Micro, Small, and Medium Enterprises (MSMEs) in Karangpucung District in an effort to increase competitiveness. This study is a type of field research using a qualitative approach with a case study design, data collected through in-depth interviews, observations, and documentation studies on several culinary MSMEs selected purposively. The results of the study indicate that innovation in culinary MSMEs in Karangpucung is dominated by product innovation and marketing innovation, while process and organizational innovation are still limited. The innovation management strategy implemented tends to be informal and ad-hoc, highly dependent on the owner's intuition and response to market feedback. Identification of innovation opportunities mostly comes from consumer demand and observations of local trends, with idea development through small-scale trial and error. Limited capital, knowledge, and access to technology are the main challenges. Nevertheless, these innovations have been proven to contribute to increased sales, product differentiation, and business sustainability, confirming the crucial role of innovation in the competitiveness of MSMEs.

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