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All Journal Nathiqiyyah : Jurnal Psikologi Islam At Tawazun Jurnal ekonomi Islam
Putri Fatimah
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Religion Humanities Economics, Econometrics & Finance Physics Public Health Social Sciences

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ASESMEN POTENSIAL REVIEW PADA KARYAWAN CV BM DALAM PENGEMBANGAN SUMBER DAYA MANUSIA Hamdi, Raspan; Sunarsih; Arifin; Alfina Tiur Mida Sitanggang; Putri Fatimah
Nathiqiyyah Vol 7 No 2 (2024): Nathiqiyyah - Jurnal Psikologi Islam
Publisher : Program Studi Psikologi Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46781/nathiqiyyah.v7i2.1280

Abstract

In order to effectively realize the company's vision and mission, one of the most important components is human resources. Employees are the most important asset in an organization so that each employee is required to work optimally based on their abilities. This research aims to measure the potential possessed by employees who take part in performance evaluations and to fulfill the self-development needs of employees at CV BM. The subject in this research was 1 person who was in the position of cutting & design coordinator. Data collection methods use psychological tests and interviews. Data analysis uses descriptive analysis and qualitative analysis. The results of the assessment show that the subject does not meet the potential standards expected in the position of cutting & design coordinator with a recommendation of "Not Recommended" and needs to be developed in the aspects of problem solving ability, leadership in groups, ability to collaborate in teams, work flexibility, emotional stability and communication. . The conclusion of the potential review assessment for the cutting & design coordinator position requires development through a coaching program, so that the subject can increase his competence and remain able to work optimally.
Analisis Perbandingan Akad Murabahah dan Akad Musyarakah Mutanaqisah pada Pembiayaan BSI Griya di Bank Syariah Indonesia KCP Makassar Veteran Putri Fatimah; Rahmawati Muin; Muhammad Nasri Katman
AT TAWAZUN: Jurnal Ekonomi Islam Vol 5 No 2 (2025): Agustus
Publisher : Universitas Islam Negeri Alauddin Makassar

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

Abstract

Kemajuan sistem keuangan berbasis prinsip syariah di Indonesia menunjukkan perkembangan signifikan, khususnya dalam pembiayaan pemilikan rumah melalui produk perbankan syariah. Salah satu produk unggulan adalah BSI Griya yang ditawarkan oleh Bank Syariah Indonesia (BSI), dengan pilihan akad seperti Murabahah dan Musyarakah Mutanaqisah. Penelitian ini bertujuan untuk membandingkan kedua akad tersebut dalam konteks pembiayaan pemilikan rumah di BSI KCP Makassar Veteran, dengan fokus pada proses pelaksanaan, kelebihan, kekurangan, serta efektivitas implementasinya dalam memenuhi kebutuhan nasabah. Penelitian ini menggunakan pendekatan kualitatif dengan desain penelitian lapangan. Data dikumpulkan melalui wawancara dan dokumentasi, serta dianalisis dari sumber data primer dan sekunder. Hasil penelitian menunjukkan bahwa kedua akad memiliki prosedur administratif yang serupa, termasuk dalam hal pengajuan pembiayaan, sistem angsuran, pelunasan dipercepat, dan konsekuensi hukum atas wanprestasi. Perbedaan utama terletak pada karakteristik dasar akad, mekanisme penetapan margin keuntungan, serta bentuk hubungan hukum antara bank dan nasabah. Berdasarkan analisis implementasi di lokasi penelitian, akad Murabahah dinilai lebih efektif dalam memenuhi kebutuhan nasabah dalam pembiayaan pemilikan rumah karena memberikan kejelasan biaya dan kesederhanaan struktur transaksi.
Co-Authors Alfina Tiur Mida Sitanggang Arifin Arifin Muhammad Nasri Katman Rahmawati Muin Raspan Hamdi Sunarsih