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

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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

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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.
STRATEGI PENGENDALIAN BIAYA DALAM MENINGKATKAN PROFITABILITAS PERUSAHAAN Fadali Rahman; Putri Fatimah; Nauval Khair; Nuruddin; Ismi Fitri Aulia
Jurnal Riset Multidisiplin Edukasi Vol. 2 No. 12 (2025): Jurnal Riset Multidisiplin Edukasi (Edisi Desember 2025)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v2i12.1364

Abstract

This study discusses cost control strategies to improve company profitability through a literature review approach. Data were collected from scientific journals, financial management books, research articles, and company reports, then analyzed theoretically and comparatively to identify effective cost control strategies. The findings indicate that efficient use of raw materials, utilization of technology, elimination of non-value-added activities, structured budget management, and human resource optimization through training, competency placement, and incentive systems are able to reduce operational costs and increase profit margins. Cost control has a significant relationship with profitability improvement, as reflected by the increase in financial indicators such as ROA, ROE, and NPM. Therefore, cost control can be an essential strategy for companies to support financial stability and sustainable business growth.
ANALISIS HUBUNGAN TOTAL QUALITY MANAGEMENT DENGAN EFEKTIVITAS OPERASIONAL DAN PRODUKTIVITAS KERJA DI ERA DIGITAL Junaidi Efendi; Putri Fatimah; Adinda Nabila Abdilla Putri; Nur Alvian Firmansyah; Lintang Prabaswara
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 6 (2026): Jurnal Riset Multidisiplin Edukasi (Juni 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i6.2294

Abstract

The development of digital technology has encouraged organizations to improve quality, operational effectiveness, and work productivity in order to face increasingly competitive business environments. One of the most widely adopted approaches to achieve these objectives is Total Quality Management (TQM). This study aims to analyze the relationship between TQM, operational effectiveness, and work productivity in the digital era through a literature review approach. The research method employed is a literature review by examining relevant journal articles, academic books, conference proceedings, and research reports. Data were collected through searches in various academic databases and analyzed using content analysis techniques. The findings indicate that the implementation of TQM has a positive relationship with operational effectiveness through business process improvement, error reduction, efficient resource utilization, and data-driven decision-making. Furthermore, TQM contributes to increased work productivity through employee competency development, greater involvement in quality improvement initiatives, and enhanced work motivation and responsibility. Digital technology serves as a supporting factor that strengthens the implementation of TQM within organizations. Therefore, the integration of TQM and digital transformation can be an effective strategy for improving organizational performance and competitiveness in a sustainable manner.
TRANSFORMASI DIGITAL PADA INDUSTRI PERBANKAN DAN DAMPAKNYA TERHADAP PELAYANAN NASABAH Putri Fatimah; Nauval Khair; Moh. Hanafi; Achmarul Fajar
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 7 (2026): Jurnal Riset Multidisiplin Edukasi (Juli 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i7.2341

Abstract

Digital transformation has become one of the primary strategies adopted by the banking industry to address technological advancements and changing customer behavior. This study aims to analyze the implementation of digital transformation in the banking industry, examine its impact on customer service, and identify the benefits and challenges arising from the digitalization process. This research employs a qualitative method using a library research approach by collecting data from scientific journals, articles, books, official reports, and other credible sources. The findings indicate that digital transformation in banking is implemented through various innovations, including mobile banking, internet banking, artificial intelligence (AI), big data analytics, and digital customer onboarding. These technologies have generated positive impacts such as 24-hour service accessibility, improved transaction speed and efficiency, enhanced customer satisfaction, and reduced operational costs. However, digital transformation also presents several challenges, including cybercrime threats, personal data breach risks, high technology investment costs, human resource adaptation, and regulatory compliance. Therefore, optimization strategies are required through strengthening information security systems, improving digital literacy, developing customer-oriented service innovations, and fostering collaboration with financial technology companies to support successful digital transformation in the banking sector.
Co-Authors Achmarul Fajar Adinda Nabila Abdilla Putri Alfina Tiur Mida Sitanggang Arifin Arifin Ismi Fitri Aulia Junaidi Efendi Lintang Prabaswara Moh. Hanafi Muhammad Nasri Katman Nauval Khair Nur Alvian Firmansyah Nuruddin Rahman, Fadali Rahmawati Muin Raspan Hamdi Sunarsih