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All Journal NISBAH: JURNAL PERBANKAN SYARIAH The Innovation of Social Studies Journal
Rahayu, Dian Puji
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Economics, Econometrics & Finance Education Social Sciences Other

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ANALISIS EKSEKUSI BARANG JAMINAN GADAI SEBAGAI AKIBAT WANPRESTASI PADA BPRS LANTABUR TEBUIRENG Rahayu, Dian Puji; Dzikrulloh
NISBAH: Jurnal Perbankan Syariah Vol. 9 No. 2 (2023): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v9i2.12911

Abstract

Penelitian ini dilakukan sebagai upaya untuk menganalisis eksekusi barang jaminan gadai yang telah jatuh tempo (wanprestasi). Penelitian ini menggunakan metode pendekatan kualitatif yang bersifat deskriptif yang menjabarkan informasi sedetail mungkin tentang individu, situasi atau gejala lainnya. Jenis penelitian yang digunakan  adalah studi kasus (case study). Penelitian ini menggunakan metode studi dokumen atau bahan pustaka, observasi dan wawancara dalam mengumpulkan data primer. Hasil penelitian menjabarkan bahwa dalam praktiknya, pelaksanaan eksekusi gadai dilakukan pada 120 hari atau 4 bulan dari tanggal jatuh tempo. Salah satu faktor terjadinya eksekusi barang jaminan gadai yaitu dikarenakan adanya wanprestasi dari pihak nasabah yang disebabkan oleh kesulitan dalam faktor ekonomi. Penelitian ini memberikan gambaran yang lebih komprehensif tentang praktik eksekusi barang jaminan gadai akibat wanprestasi dan memberikan dasar untuk perbaikan dalam regulasi dan praktik yang dapat memitigasi risiko bagi semua pihak yang terlibat.
Stewardship Governance-Based Accountability in the Preparation of Unit Price Standards in Bojonegoro Regency Rahayu, Dian Puji; Septian, Esa; Junadi, Junadi
The Innovation of Social Studies Journal Vol 7, No 2 (2026): The Innovation of Social Studies Journal, March 2026
Publisher : Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/issj.v7i2.17432

Abstract

This study aims to analyze stewardship-based accountability in the preparation of the Unit Price Standard (SSH) in Bojonegoro Regency, emphasizing four primary indicators: trust, commitment, collectivity, and responsibility. The research uses a descriptive, qualitative approach through in-depth interviews, observations of the Desk forum, and scrutiny of documents such as the SSH preparation SOP and SSH data for Fiscal Year 2025. The results show that stewardship principles have begun to be integrated into the SSH preparation process, although their practical implementation is not yet fully optimal. Trust is reflected in the transparency of information and honesty of employees, but is still limited by the inconsistent data quality of OPDs. Commitment is evident in officials' readiness to work beyond regular hours and their quick response to revisions, but is hampered by substantial workloads and tight deadlines. Collectivity emerges in cross-OPD teamwork in the Desk forum, although not all OPDs present comprehensive supporting evidence. Procedural accountability appears strong through the existence of SOP and official SSH documents, while substantive accountability is strengthened through Inspectorate supervision and data correction mechanisms. In conclusion, stewardship governance has provided a positive direction toward a more transparent and responsible work culture. However, it still requires strengthening the data system, increasing technical capacity, and shortening the preparation timeline.
Co-Authors Dzikrulloh Esa Septian Junadi