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All Journal Journal Of Indonesian Social Society At-Tahdzib: Jurnal Studi Islam dan Muamalah
Maulana Zakaria Ahmad
Universitas Islam Negeri Kiai Haji Achmad Siddiq Jember
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Dynamic Capability-Based Mitigation of Displaced Commercial Risk in the Management of Temporary Syirkah Funds in Islamic Banks Zakiyyah Ilma Ahmad; Ahmad Zainul Abidin; Maulana Zakaria Ahmad
At-Tahdzib: Jurnal Studi Islam dan Muamalah Vol 14 No 1 (2026): At-Tahdzib
Publisher : Sekolah Tinggi Agama Islam At-Tahdzib, Ngoro, Jombang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61181/g0cemc13

Abstract

Background. This study presents an in-depth conceptual analysis of strategies for mitigating Displaced Commercial Risk (DCR), one of the most fundamental and distinctive risks faced by Islamic banks operating within a dual banking system. DCR refers to the situation in which Islamic banks are compelled to provide investment returns to depositors that do not accurately reflect the actual performance of the underlying assets in order to maintain market competitiveness. Aim. Consequently, this practice inherently undermines the fundamental principle of Profit and Loss Sharing (PLS) that distinguishes Islamic banking from conventional banking. Methods. Employing a qualitative conceptual approach through critical analysis and literature synthesis, this study deconstructs the limitations of the prevailing mitigation paradigm, which relies heavily on reactive instruments such as the Profit Equalization Reserve (PER). Results. As its primary contribution, this study proposes a Dynamic Capability Framework for DCR Mitigation. Rather than viewing DCR mitigation as a purely technical risk management function, the proposed framework conceptualizes it as a core organizational capability that Islamic banks must continuously develop and strengthen. The framework comprises three interrelated capability pillars: Sensing Capability, which identifies market volatility and asset-related risks; Seizing Capability, which responds proactively through effective Asset–Liability Management (ALM) and adaptive reserve management; and Transforming Capability, which enhances long-term organizational resilience through product innovation and stakeholder expectation management.
Analisis Tingkat Kemiskinan Tahun 2023 Di Badan Pusat Statistik (BPS) Kabupaten Jember Samsul Hadi; Ahmad Taufiki; Maulana Zakaria Ahmad; Adil Siswanto
Journal Of Indonesian Social Society (JISS) Vol. 2 No. 1 (2024): JISS - Februari
Publisher : PT. Padang Tekno Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59435/jiss.v2i1.224

Abstract

Kemiskinan di Jawa Timur, termasuk di Kabupaten Jember, tetap menjadi tantangan besar yang kompleks dan multidimensional. Persentase penduduk miskin di Kabupaten Jember meningkat sebesar 0,12 persen poin dalam satu tahun, dari 9,39 persen pada Maret 2022 menjadi 9,51 persen pada Maret 2023. Dalam menanggulangi kemiskinan, data yang akurat sangatlah penting untuk merancang dan melaksanakan kebijakan yang efektif. Tujuan utama penelitian ini adalah mengevaluasi peran BPS dalam menyediakan data yang tepat dan relevan tentang kemiskinan di tingkat lokal, menggunakan analisis data kualitatif dengan data sekunder dari publikasi BPS tahun 2023, seperti garis kemiskinan, presentase penduduk miskin, indeks kedalaman, dan keparahan kemiskinan. Analisis menunjukkan kenaikan garis kemiskinan dan penurunan persentase, indeks kedalaman, serta keparahan kemiskinan dari 2010 hingga 2023. Jurnal ini bertujuan memberikan pemahaman lebih mendalam mengenai dinamika kemiskinan di Jember pada tahun 2023, diharapkan memberikan wawasan berharga bagi pemerintah dan pemangku kebijakan setempat untuk meningkatkan efektivitas dalam pemantauan dan penanganan kemiskinan di daerah tersebut.
Co-Authors Ahmad Taufiki Ahmad Zainul Abidin Samsul Hadi Siswanto, Adil Zakiyyah Ilma Ahmad