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All Journal Iqtishoduna: Jurnal Ekonomi Islam Proceedings of Annual Conference for Muslim Scholars JURNAL ESA
Sa’adah, Haqiqotus
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Religion Humanities Economics, Econometrics & Finance Social Sciences Other

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IMPLEMENTASI MANAJEMEN RISIKO PADA PT. PEGADAIAN SYARIAH CABANG BONDOWOSO Bahanan, Muhammad; Sa’adah, Haqiqotus
ESA : JURNAL KAJIAN EKONOMI SYARIAH Vol 6 No 2 (2024): AGUSTUS
Publisher : SEKOLAH TINGGI ILMU SYARIAH ABU ZAIRI BONDOWOSO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58293/esa.v6i2.105

Abstract

Penelitian ini bertujuan untuk menganalisis implementasi manajemen risiko di PT Pegadaian Syariah Cabang Bondowoso, dengan fokus pada identifikasi, penilaian, mitigasi, serta pemantauan dan evaluasi risiko. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus. Data dikumpulkan melalui wawancara mendalam dengan manajer cabang dan staf manajemen risiko, observasi partisipatif, studi dokumen, serta kuesioner terbuka kepada nasabah.Hasil penelitian menunjukkan bahwa PT Pegadaian Syariah Cabang Bondowoso telah mengidentifikasi risiko-risiko utama yang mencakup risiko kredit, operasional, likuiditas, dan kepatuhan. Penilaian risiko dilakukan secara kualitatif dan kuantitatif, yang menghasilkan klasifikasi risiko berdasarkan tingkat frekuensi dan dampaknya. Untuk mengelola risiko kredit, perusahaan menerapkan prosedur penilaian kelayakan kredit yang ketat dan memiliki mekanisme lelang barang jaminan untuk meminimalkan kerugian. Risiko operasional dikelola melalui pelatihan staf dan penggunaan sistem manajemen risiko berbasis IT. Risiko likuiditas dan kepatuhan diatasi dengan diversifikasi sumber pendanaan dan audit kepatuhan yang ketat.Pemantauan dan evaluasi risiko dilakukan secara terus-menerus menggunakan dashboard manajemen risiko dan audit berkala. Meskipun manajemen risiko telah diterapkan dengan baik, penelitian ini menemukan bahwa ada kebutuhan untuk meningkatkan pelatihan staf, integrasi sistem IT, dan pengawasan kepatuhan syariah.Penelitian ini menyimpulkan bahwa PT Pegadaian Syariah Cabang Bondowoso telah mengimplementasikan manajemen risiko dengan cukup efektif, namun masih terdapat area yang memerlukan peningkatan. Rekomendasi diberikan untuk meningkatkan pelatihan staf, pengembangan sistem IT, dan audit kepatuhan yang lebih ketat untuk memastikan efektivitas manajemen risiko yang lebih baik di masa depan
Rethinking of Islamic Promotion for Halal Products within the Nationalism in the Local Genius at 6.0 Era Mahsun, Moch; Sa’adah, Haqiqotus; Shohib, Moch
Proceedings of Annual Conference for Muslim Scholars Vol 8 No 1 (2024): AnCoMS, Oktober 2024
Publisher : Koordinatorat Perguruan Tinggi Keagamaan Islam Swasta Wilayah IV Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36835/ancoms.v8i1.573

Abstract

This study explores the integration of Islamic values, nationalism, local cultural wisdom, and advanced technologies in promoting halal products in the 6.0 Era. By examining political, economic, social, technological, legal, and environmental factors, it highlights the role of robust government policies, ethical transparency, and digital innovations like blockchain and AI in enhancing consumer trust and market efficiency. The research underscores the significance of leveraging local genius, such as traditional art and cultural narratives, to foster authenticity and preserve heritage in halal branding. Additionally, it emphasizes eco-friendly practices in halal production, aligning with Islamic principles of stewardship and global sustainability goals. A holistic framework addressing these intersections ensures halal products remain competitive and culturally resonant while meeting evolving global demands. The findings demonstrate the potential of Islamic values to guide ethical practices and promote sustainable development in a technologically advanced and interconnected global economy.
Integrating Islamic Economic Values into the Pentahelix Model for Developing a Sustainable Digital Entrepreneurship Ecosystem Sa’adah, Haqiqotus; Siswanto, Siswanto; Djalaluddin, Ahmad
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 14 No. 2 (2025): October (On Progress)
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v14i2.2191

Abstract

This study examines how Islamic economic principles may be put into practice in the Pentahelix partnership (academia, business, government, community, and media) to create a long-lasting digital entrepreneurship ecosystem. Utilizing a qualitative multi-case approach, we analyze two MSMEs in East Java Kapiten Nusantara (pesantren-based) and Superheru Snack Factory (community-based) using in-depth interviews, participant observation, and documentation. review, then Miles–Huberman cross-case analysis and methodological triangulation. According to the results, digital methods (content/community-based marketing, online marketplaces, promotion, matchmaking) are aligned with ethical governance through the integration of tauhid, adl, khilafah, nubuwwah, and tazkiyah, which results in: increased productivity, greater market access, improved digital trust, and social empowerment (particularly for women and young people). The pentahelix orchestration is essential for developing skills, preparing for exports, and halal-value branding that incorporates maqāṣid al-sharī‘ah supports inclusive welfare (maslahah). The Islamic Pentahelix Digital Entrepreneurship Model (IPDEM), which includes value integration, collaborative governance, and sustainability mechanisms, is presented in the paper, and the implications for MSME policy are discussed in the conclusion. university-industry initiatives and halal-digital business practices aimed at generating balanced outcomes for profit, people, the environment, and maslahah.
Co-Authors Ahmad Djalaluddin Moch. Mahsun Muhammad Bahanan S Siswanto Shohib, Moch