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All Journal BISEI: Jurnal Bisnis dan Ekonomi Islam NUSANTARA: Jurnal Pengabdian Kepada Masyarakat Mutlaqah: Jurnal Kajian Ekonomi Syariah Innovative: Journal Of Social Science Research PUBLIDIMAS Profetik Jurnal Ekonomi Syariah Dinamis: Jurnal Pengabdian Kepada Masyarakat Jurnal Abdimas Ilmiah Citra Bakti
Hutagalung, Muhammad Abrar Kasmin
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Religion Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Analysis of Murabahah Financing Risk Management Strategies at PT. BPRS Al-Washliyah Medan Gemilang, Fajar; Hutagalung, Muhammad Abrar Kasmin
Bisei : Jurnal Bisnis dan Ekonomi Islam Vol 10 No 2 (2025): Desember 2025
Publisher : Fakultas Ekonomi, Universitas Hasyim Asy'ari Tebuireng Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/bisei.v10i2.10756

Abstract

This study analyzes risk management strategies in murabahah financing at PT. BPRS Al-Washliyah Medan. Murabahah dominates approximately 95% of the bank's total financing portfolio, creating potential non-performing financing (NPF) risks. Using a descriptive qualitative approach, data were collected through interviews, observations, and documentation with management and staff. Data analysis in this study used the Miles and Huberman model, which includes data reduction, data presentation, and conclusion drawing. The results show that the main risks include credit, liquidity, operational, and market risks. The causes of financing problems arise from internal factors such as weak financing analysis and external factors such as customer inability to pay and economic fluctuations. To mitigate these risks, PT. BPRS Al-Washliyah Medan applies the 5C principle of character, capacity, capital, collateral, and economic conditions—and the 3R strategy of rescheduling, reconditioning, and restructuring. The implementation of these steps effectively minimizes the NPF level and improves the bank's financial stability. Overall, this study emphasizes the importance of robust risk management practices to maintain business performance and maintain customer trust in Islamic banking. The findings also provide valuable insights for improving risk management in Islamic financial institutions and serve as a reference for further research on murabahah financing risks.  
Analysis of the Implementation of Islamic Business Ethics at Manna Supermarket Yogyakarta Campus Salsabilla, Saskia; Hutagalung, Muhammad Abrar Kasmin
Bisei : Jurnal Bisnis dan Ekonomi Islam Vol 10 No 2 (2025): Desember 2025
Publisher : Fakultas Ekonomi, Universitas Hasyim Asy'ari Tebuireng Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/bisei.v10i2.10757

Abstract

This study aims to analyze the implementation of Islamic business ethics at Manna Supermarket Yogyakarta, focusing on the principles of shidq (honesty), ‘adl (justice), amanah (trustworthiness), and ihsan (benevolence). The research used a descriptive qualitative method, with data collected through interviews, observations, and documentation. Informants included one HR Manager and three customers. The findings indicate that the application of Islamic business ethics has been effectively implemented. The principle of shidq is reflected in transparent pricing and product authenticity, while ‘adl is demonstrated through equal service for all customers. The principle of amanah appears in the supermarket’s social responsibility toward community welfare around the campus. Meanwhile, ihsan is shown through employee friendliness, assistance, and willingness to provide additional service. However, challenges remain, such as limited understanding of Islamic ethical values among employees and inconsistencies in their practical application. This study contributes to the advancement of Islamic-based retail business practices and serves as a valuable academic reference for implementing Islamic business ethics in the modern retail sector.  
Co-Authors Aditya, Elsa Ainayah, Difa Amanda, Fitria Arafah, Santi Daniati Syaputri Gemilang, Fajar Miko, Jeroh Muhammad Ridwan Muhatri, Muhatri Mushliha, Mushliha Najwa, Nuraini Nazarruddin Nazarruddin Ningrum, Indah Widya Pratiwi, Amanda Egi Rahman, Idzhari Rahmat Kurniawan Rambe, Riswan Rinanda Purba Rizki, Bagus RUSTAM, MUHAMMAD TAUFIQ Salsabilla, Saskia Sembiring, Erika Apulina Syahdana, Syahdana Syamanta, Arbana Sya’dian, Triadi Wijaya, M. Rizky