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All Journal Al-Kharaj: Journal of Islamic Economic and Business JIMEK
Sri Nurul Nabila
Unknown Affiliation
Economics, Econometrics & Finance

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Analisis Pekerjaan Berbasis Kompetensi dalam Manajemen Sumber Daya Insani pada Lembaga Keuangan Syariah: Integrasi Nilai-Nilai Ekonomi Islam Sri Nurul Nabila; Eka Arlinda Hafid; Lince Bulutoding; Muhammad Wahyuddin Abdullah
Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Vol. 5 No. 2 (2025): Juli : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimek.v5i2.6216

Abstract

This article discusses the analysis of work in human resource management (SDI) from the perspective of Islamic economics, especially its application to Islamic financial institutions. This article aims to analyze the implementation of work in human resource management (SDI) in Islamic financial institutions, with a focus on the integration of Islamic economic principles. This study uses a descriptive qualitative approach through literature and case studies in Islamic banks. The results show that systematic and competency-based work analysis is essential in improving the effectiveness of SDI placement, development, and performance assessment. The main findings identify that the application of work analysis that refers to the principles of justice, trust, and social responsibility in accordance with sharia is able to increase professionalism, productivity, and employee job satisfaction. In addition, the integration of Islamic moral values and ethics in work specifications and design has been proven to strengthen a work culture that is oriented towards blessings and mutual benefit. This study recommends that Islamic financial institutions continue to strengthen the process of competency-based work analysis and Islamic values to support superior SDI management.
Forward Sales dalam Keuangan Islam : Ketentuan Syariah dan Permasalahan Praktis pada Akad Salam dan Istisna’ Eka Arlinda Hafid; Sri Nurul Nabila; Lince Bulutoding
Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Vol. 5 No. 1 (2025): Maret : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimek.v5i1.6532

Abstract

Forward sales in Islamic finance, particularly through Salam and Istisna’ contracts, are important financing instruments for supporting the real sector in accordance with sharia principles. This article examines the sharia provisions governing Salam and Istisna’ contracts and identifies practical issues encountered in their implementation in Islamic banking. The research method used is a literature review with a descriptive qualitative approach, examining various primary and secondary sources such as fatwas from the National Sharia Council, academic journals, and relevant regulatory documents. The findings indicate that Salam and Istisna’ contracts have strict Sharia provisions to avoid riba, gharar, and uncertainty, with the main differences lying in the payment mechanisms and the nature of the goods being traded. However, in practice, there are various challenges such as inconsistent regulations, operational risks, low public literacy, and limitations in infrastructure and human resources. To address these issues, an optimization strategy is needed, including improved education, product innovation, regulatory harmonization, and strengthened risk management and technology utilization. The optimal implementation of Salam and Istisna’ contracts has positive implications for the development of Islamic banking, expanding financial inclusion, and promoting sustainable economic growth based on Islamic principles. This article provides recommendations for regulators, industry players, and academics to collectively create a healthy and sustainable Islamic financial ecosystem
Annesang (Muzara'ah) Based on Maslahah and CIBEST in Improving Farmer Welfare in Bulukumba Regency Sri Nurul Nabila; Rahman Ambo Masse; Sumarlin; Arsyad, Kamaruddin; Abdul Wahab
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8515

Abstract

This study focuses on the implementation of the Annesang (Muzara'ah) system based on the Maslahah concept to improve the welfare of farmers in Batulohe Village, Bulukumpa District, Bulukumba Regency. The phenomenon of profit-sharing cooperation between landowners and rice farmers is important because of income inequality and the risk of injustice in the distribution of harvests, and highlights the spiritual aspect that has so far received little attention. This study uses a qualitative phenomenological approach with observation methods, in-depth interviews, questionnaires, and documentation of 30 farmers. The CIBEST (Center of Islamic Business and Economic Studies) model is used as a multidimensional measuring tool that assesses welfare and poverty from a comprehensive material and spiritual aspect. The results of the study indicate that the implementation of the Maslahah-based Annesang (Muzara'ah) system and the CIBEST model significantly improved the welfare index of farmers in Batulohe Village, particularly in terms of higher income, economic resilience, spiritual satisfaction, and a more balanced quality of life. Challenges encountered included the implementation of oral contracts, unclear capital participation, and risk management that requires a more professional and legal approach. The implications of the study emphasize the importance of strengthening the Maslahah-based Annesang system as a model for fair, sustainable agricultural cooperation, and integrating the spiritual values ​​of agrarian communities. The CIBEST model is recommended as a holistic welfare evaluation instrument that facilitates the formulation of integrated economic and socio-spiritual intervention policies and programs. Regulatory support, facilitation of contract legalization, farmer capacity building, and legal protection by the government and related institutions are expected to ensure that this profit-sharing practice runs effectively, transparently, and is able to improve the welfare of the community as a whole
Co-Authors Abdul Wahab Abdullah, Muhammad Wahyuddin Arsyad, Kamaruddin Eka Arlinda Hafid Lince Bulutoding Rahman Ambo Masse Sumarlin