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Pendekatan Sistematis Manajemen Risiko Terhadap Keberlanjutan UMKM di Kota Semarang Dengan Berbasis ISO 31000:2018 Fajrul, Muh; Wahyono, Anang Tri; Kaharuddin, Erlitawati; Vernando, Alexander Nova
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 2, No 6 (2025): January
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

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Abstract

In the business world, risk is an unavoidable aspect due to uncertainties that cannot be predicted, potentially leading to losses for companies, especially micro, small, and medium enterprises (MSMEs) with limited capital. These risks can disrupt operations, cause financial losses, and even result in bankruptcy. However, through effective risk management strategies, risks can be identified early, allowing for mitigation of their potential impacts. This study aims to identify the risk management processes along with the sources of risk, assess the risks that may arise, and analyze the strategies that MSMEs will implement to address or manage these risks in Semarang. The research is conducted in accordance with the risk management process (ISO 31000:2018), which includes risk identification, risk analysis, risk evaluation, and risk treatment. The results of the risk analysis identification reveal that MSMEs face various challenges, including economic uncertainty, changes in government policies, and fluctuations in raw material prices. A lack of capital, technology, and skilled human resources further hampers their competitiveness. This study identifies five main risks faced by MSMEs: capital risk, human resource risk, raw material risk, operational risk, and equipment risk. SWOT analysis aids in the identification and evaluation of these risks, highlighting that capital, human resource, and raw material risks require immediate management intervention due to their significant impact on operational sustainability. Risk treatment includes the implementation of effective emergency plans and the acquisition of modern technology. Ultimately, a collaborative approach involving government support and capacity building for MSMEs is recommended to ensure sustainable development and stability in facing these inherent business risks.
Pandangan Ekonomi Syariah terhadap Bisnis Multi Level Marketing pada PT K-Link Indonesia Cabang Makassar: Sharia Economic Perspective on Multi-Level Marketing Business at PT K-Link Indonesia, Makassar Branch Masrahati, Masrahati; Iswandi, Heri; Fatmawati, Fatmawati; Fajrul, Muh
Dirasat Islamiah: Jurnal Kajian Keislaman Vol. 4 No. 1 (2023)
Publisher : FAI UIM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56324/drs.v4i1.34

Abstract

The rise of the Multi Level Marketing (MLM) business has made Islamic economists and business experts differ in their opinion in determining the laws of the business system. Based on this, this article will discuss the Islamic economic view of the MLM business system at PT K-Link Indonesia Makassar Branch. The method of this research is qualitative. The data of interview, documentation and field observations regarding the MLM business system at PT K-Link Indonesia Makassar Branch were then confronted with sharia economic theory so that syar'i laws could be established regarding the business. It was found that the work system of the Multi Level Marketing (MLM) business of PT K-Link Indonesia Makassar Branch in the view of sharia is in the muamalah category, which in principle is permissible based on the rules of fiqh. However, when there are elements that are prohibited in Islamic literature and found in MLM, this should not be done.
IMPLEMENTASI MANAJEMEN SUMBER DAYA MANUSIA DALAM UPAYA MENINGKATKAN OMZET PENJUALAN CV RAJA KURMA MAKASSAR fajrul, Muh
Liquidity Jurnal Ilmu Manajemen dan Bisnis Vol 2 No 2 (2024): JULI 2024
Publisher : Prodi Manajemen Universitas Syekh Yusuf Al Makassari Gowa

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Abstract

Penelitian ini bertujuan untuk mengetahui dan menganalisis implementasi strategi manajemen sumber daya manusia dalam upaya meningkatan omzet penjualan CV. Raja Kurma Makassar. Jenis penelitian ini adalah penelitian kualitatif deskriptif dengan menggunakan wawancara kepada manajer dan karyawan sebagai sumber pengumpulan data, teknik analisis data yang digunakan adalah teknik analisis data model interaktif yaitu reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian ini menunjukkan bahwa strategi manajemen sumber daya manusia yang diterapkan perusahaan adalah utilizer strategy, accumulator strategy, facilitator strategy. Kemudian implementasi strategi yaitu utilizer strategy meliputi perencanaan sumber daya manusia (SDM), rekrutmen dan seleksi, accumulator startegy meliputi pelatihan dan pengembangan, perencanaan karir, facilitator strategy meliputi penilaian prestasi kerja dan kompensasi telah dilaksanakan dengan baik. Berdasarkan hasil analisis, dapat diambil kesimpulan bahwa strategi manajemen sumber daya manusia yang diterapkan mampu meningkatkan omzet penjualan perusahaan.
Empowering Muslim Rural Women through Digital Infrastructure and Zakat Community Development in Kahayya, Bulukumba Haris, Basmawati; Fajrul, Muh
Potret Pemikiran Vol 29, No 1 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/pp.v29i1.3807

Abstract

The empowerment of rural Muslim women represents a strategic issue in sustainable development in Eastern Indonesia, yet studies that simultaneously integrate digital infrastructure transformation with the role of Islamic philanthropy remain extremely limited. This study aims to analyse changes in the socio-economic roles of Muslim women in Kahayya Village, Kindang District, Bulukumba Regency, South Sulawesi, Indonesia, in the context of the introduction of basic infrastructure comprising roads, electricity, and internet access, as well as the presence of BAZNAS's Zakat Community Development (ZCD) programme as a community-based Islamic philanthropic instrument. This study employs a qualitative case study design. Data were collected through in-depth interviews with 15 informants, participatory observation across six field visits, and document review of BAZNAS ZCD programme reports. Analysis was conducted thematically using the Gender and Development (GAD) framework brought into dialogue with the maqasid al-shariah perspective. The findings reveal that infrastructure transformation significantly drives a shift in women's roles from the domestic sphere toward productive economic participation, improved access to education, and broader social engagement. The BAZNAS ZCD programme demonstrably strengthens this empowerment process through Islamic value-based entrepreneurship mentoring, which not only increases mustahiq income but also reinforces women's position in decision-making at the family and community levels. This study concludes that the synergy between digital infrastructure development and Islamic philanthropy constitutes a contextually grounded and sustainable empowerment model for rural Muslim women in Eastern Indonesia, provided it is supported by strengthened digital literacy and adequate cross-sectoral coordination.