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All Journal Jurnal Manajemen, Akuntansi dan Bisnis Jurnal Bisinis Digital
Patimari, Siti
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Library & Information Science

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Analisis Risiko Dalam Akad Shirkah Musyarakah Mutanaqisah Pada Perbankan Syariah Sapitri, Niluh Anik; Patimari, Siti; Aswad Latipa, A. Hijratulh
JUMABI: Jurnal Manajemen, Akuntansi dan Bisnis Vol 3 No 1 (2025): JUMABI : JANUARI
Publisher : CV. Eureka Murakabi Abadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56314/jumabi.v3i1.277

Abstract

The Shirkah Musyarakah Mutanaqisah (MMQ) contract is one of the leading products in Islamic banking that prioritizes the principles of partnership and justice in financing. This study aims to analyze various risks associated with the implementation of MMQ contracts in Islamic banking, as well as evaluate risk mitigation strategies that can be applied. The identified risks include credit, market, operational, legal, reputational, technology, human resources, and environmental risks. Each type of risk has the potential to have a significant impact on the success of the contract, so effective risk management is important. This study uses a qualitative method with a literature review approach to collect data from various relevant sources. The results of the analysis show that risk mapping and the development of appropriate mitigation strategies can increase trust between banks and customers. In addition, the active role of customers in understanding risks and compliance with sharia principles is also very important in achieving the success of the MMQ contract. With a collaborative and transparent approach, this contract is expected to provide greater benefits in the sustainable development of the business sector. This research is expected to make a positive contribution to the development of literature on Islamic banking risk management and become a reference for practitioners in improving the effectiveness of MMQ products.
KEWIRAUSAHAAN DIGITAL DI INDONESIA: TINJAUAN BIBLIOMETRIK MENUJU KETAHANAN BISNIS ERA INDUSTRI 5.0 Patimari, Siti; Soumena, Fadly Yashari
Jurnal Bisnis Digital Vol. 3 No. 1 (2025): Jurnal Bisnis Digital, Vol. 3 No. 1 Mei-2025
Publisher : Prodi Bisnis Digital Universitas Muhammadiyah Muara Bungo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52060/j-bisdig.v3i1.3132

Abstract

Penelitian ini mengidentifikasi rendahnya literasi digital dan akses teknologi sebagai masalah utama dalam kewirausahaan digital di Indonesia. Tujuannya adalah untuk memetakan dinamika kewirausahaan digital dalam konteks transformasi ke Industri 5.0. Metode yang digunakan adalah pendekatan bibliometrik dengan data dari Dimensions, dianalisis menggunakan VOSviewer untuk visualisasi kolaborasi penulis dan institusi. Hasil menunjukkan peningkatan publikasi ilmiah dan kolaborasi internasional, dengan institusi seperti University of Granada sebagai pusat aktivitas. Penerapan teknologi digital terbukti meningkatkan efisiensi UMKM, terutama pascapandemi COVID-19. Saran yang diajukan meliputi peningkatan literasi digital melalui program pelatihan, penguatan kolaborasi lintas sektoral, dan pengembangan kebijakan inovasi teknologi untuk memperkuat ketahanan kewirausahaan digital di Indonesia.
Co-Authors Aswad Latipa, A. Hijratulh Fadly Yashari Soumena Niluh Anik Sapitri