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Risk Management Analysis of Sharia Gold Pawn Financing Products at BPRS Bhakti Sumekar Saputra, Taufik Aris
Majapahit Journal of Islamic Finance and Management Vol. 2 No. 2 (2022): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v2i2.27

Abstract

BPRS Bhakti Sumekar Bandaran, Tlanakan Sub-Branch Office offers various products needed by the community such as financing products, funding products, and service products. One of the financing products available at the BPRS Bhakti Sumekar is iB Maslahah’s Gold Partner a gold-backed qardh product in which the bank provides financing facilities to customers with gold collateral. The study aims to determine what are the risks experienced by financing gold pawning products and how the risk management process is carried out by BPRS Bhakti Sumekar in Sharia gold pawning financing products. This research is a type of qualitative research using a descriptive approach. Data was obtained by interview, observation, and documentation. Data credibility test uses triangulation data credibility test. While data analysis techniques use: Data reduction, data presentation, and drawing conclusions. Thus, based on the analysis of Sharia gold pawning financing risk at BPRS Bhakti Sumekar Bandaran, Tlanakan the highest risk is market risk, operational risk, and strategic risk. While compliance risk, legal risk, credit risk, reputation risk, and liquidity risk have low risks.
Risk Management Analysis of Sharia Gold Pawn Financing Products at BPRS Bhakti Sumekar Saputra, Taufik Aris
Majapahit Journal of Islamic Finance and Management Vol. 2 No. 2 (2022): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v2i2.27

Abstract

BPRS Bhakti Sumekar Bandaran, Tlanakan Sub-Branch Office offers various products needed by the community such as financing products, funding products, and service products. One of the financing products available at the BPRS Bhakti Sumekar is iB Maslahah’s Gold Partner a gold-backed qardh product in which the bank provides financing facilities to customers with gold collateral. The study aims to determine what are the risks experienced by financing gold pawning products and how the risk management process is carried out by BPRS Bhakti Sumekar in Sharia gold pawning financing products. This research is a type of qualitative research using a descriptive approach. Data was obtained by interview, observation, and documentation. Data credibility test uses triangulation data credibility test. While data analysis techniques use: Data reduction, data presentation, and drawing conclusions. Thus, based on the analysis of Sharia gold pawning financing risk at BPRS Bhakti Sumekar Bandaran, Tlanakan the highest risk is market risk, operational risk, and strategic risk. While compliance risk, legal risk, credit risk, reputation risk, and liquidity risk have low risks.
PELATIHAN ADMINISTRASI PERKANTORAN UNTUK TENAGA OUTSOURCHING DI PT. ANUGERAH PRATAMA PAMEKASAN Muin, Abdul; Rosyid, Moh. Zaiful; Habibur Rahman; Saputra, Taufik Aris; Nasrullah, Achmad Muzammil Alfan; Qurnain, Nuzulul
Collaborative: Jurnal Pengabdian Masyarakat Vol. 2 No. 2 (2024): Desember
Publisher : CV. Jendela Gagasan

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Artikel pengabdian ini ingin mengetahui pelaksanaan pelatihan administrasi perkantoran dan hasil dari pelatihan tersebut Untuk Tenaga Outsourching di PT Anugerah Pratama Pamekasan. Metode pengabdian yang digunakan adalah metode model pijar yang tahapannya melalui analisa kebutuhan, perencanaan, pelaksanaan dan evaluasi. Hasil pelatihan menunjukan bahwasanya Pelatihan administrasi perkantoran untuk tenaga outsourcing di PT Anugerah Pratama Pamekasan berhasil meningkatkan kemampuan peserta secara signifikan dalam berbagai aspek pekerjaan administratif. Evaluasi menunjukkan peningkatan yang signifikan dalam pengelolaan dokumen, penggunaan teknologi perkantoran, keterampilan komunikasi, manajemen waktu, dan etika profesionalisme. Hasil ini diharapkan dapat meningkatkan efisiensi operasional perusahaan dan kontribusi positif dari tenaga outsourcing dalam lingkungan kerja.
Islamic Ethical Values in Traditional Commerce: A Field Study of Market Traders Saputra, Taufik Aris
Ta'amul: Journal of Islamic Economics Vol. 4 No. 1 (2025): May
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/taamul.v4i1.451

Abstract

This study explores the implementation of Islamic business ethics in the transaction practices of traders at the Waru Traditional Market, Waru District, Pamekasan Regency. The research addresses the problem of how Islamic ethical principles—such as tauhid (oneness of God), balance, free will, responsibility, and benevolence (ihsan)—are reflected in the daily commercial behaviors of traditional market traders. The objective is to uncover how deeply these principles are understood and applied in the context of local economic transactions, especially among grassroots Muslim communities. Using a qualitative descriptive method, data were collected through field observation and in-depth interviews with both traders and buyers. The primary data sources were direct interviews with ten selected traders, while secondary sources included relevant literature on Islamic economics and ethics. The findings reveal that most traders apply the main principles of Islamic business ethics in their transactions. The principle of tauhid is evident in their belief that sustenance comes from Allah, prompting them to conduct business with sincerity, patience, and a worshipful spirit. The principles of balance and responsibility are reflected in fair dealings, such as product quality assurance, replacement of defective goods, and price transparency. Traders also practice free will by giving customers full freedom in making purchasing decisions. Moreover, the principle of benevolence (ihsan) is actively demonstrated through acts of kindness, such as granting price discounts, extending payment terms, and assisting with the physical delivery of goods. This study contributes to the understanding of how Islamic values can be operationalized in traditional market settings. It highlights the spiritual and moral dimensions of Islamic business practices and offers a model for building ethical, human-centered, and sustainable local economies rooted in religious principles.
ANALISIS FAKTOR-FAKTOR YANG BERPENGARUH TERHADAP MANAJEMEN LABA PADA PERUSAHAAN MANUFAKTUR BIDANG CONSUMER GOODS YANG TERDAFTAR DI DURSA EFEK INDONESIA Saputra, Taufik Aris
Makro Jurnal Manajemen Dan Kewirausahaan Vol 1, No 1 (2016): MAKRO
Publisher : Universitas Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (839.228 KB) | DOI: 10.53712/jmm.v1i1.242

Abstract

Penelitian ini bertujuan untuk menguji Analisis Faktor-Faktor Yang Berpengaruh Terhadap Manajemen Laba Pada Perusahaan Manufaktur Bidang Consumer Goods Yang Terdaftar Di Bursa Efek IndonesiaMetode penelitian yang digunakan dalam penelitian ini adalah metode deskriptif kuantitatif. Penelitian ini dilakukan dengan menggunakan data sekunder. Dalam pemilihan sampel yang peneliti gunakan metode purposive sampling dan berdasarkan kriteria, sampel yang diperoleh yaitu 20 perusahaan Consumer Goods di Bursa Efek Indonesia dari tahun 2012-2014. Data diuji dengan menggunakan statistik dekriptif, uji asumsi klasik, regresi linier berganda dan uji hipotesisBerdasarkan penelitian yang telah dilakukan, hasil penelitian menunjukkan secara simultan laverage (DER), ukuran perusahaan (SIZE) dan profitabilitas (ROA) tidak berpengaruh signifikan terhadap manajemen laba. Sedangkan uji secara parsial menunjukkan bahwa tidak berpengaruh signifikan terhadap manajemen laba karena nilai signifikansinya di atas 0,05 semua. Dan yang paaling dominan terhadap manajemen laba adalah profitabilitas (ROA) dengan nilai signifikan 1,417.