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All Journal ORGANIZE: Journal of Economics, Management and Finance Jurnal Media Akademik (JMA)
Dwi Intan Cantika Putri Hendrayana
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Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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ANALISIS PENERAPAN AKAD MUDHARABAH DI BANK SYARIAH INDONESIA (BSI) KOTA SURABAYA Dwi Intan Cantika Putri Hendrayana; Achmad Budi Susetyo
Jurnal Media Akademik (JMA) Vol. 3 No. 6 (2025): JURNAL MEDIA AKADEMIK Edisi Juni
Publisher : PT. Media Akademik Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62281/v3i6.2244

Abstract

Penelitian ini menganalisis penerapan akad mudharabah di Bank Syariah Indonesia (BSI) Kota Surabaya sebagai salah satu skema pembiayaan berbasis syariah. Akad mudharabah menjadi instrumen penting dalam mendukung pengembangan sektor ekonomi, terutama UMKM, melalui pola kerja sama bagi hasil antara bank (shahibul maal) dan nasabah (mudharib). Penelitian ini juga menelaah aspek teknis serta persyaratan kelayakan dalam proses pengajuan pembiayaan mudharabah di BSI Surabaya. Dalam menilai risiko dan kredibilitas calon nasabah, institusi ini menerapkan metode analisis 5C (Character, Capacity, Capital, Condition, Collateral). Selain itu, penelitian ini menyoroti pentingnya penerapan sistem jaminan, baik dalam bentuk aset fisik maupun nonfisik, serta pelaksanaan kunjungan lapangan dan penyusunan laporan analisis pembiayaan sebagai bagian dari evaluasi kelayakan usaha. Temuan penelitian menunjukkan bahwa keberhasilan akad mudharabah sangat ditentukan oleh ketelitian dalam proses seleksi, pemantauan, serta dokumentasi. Oleh karena itu, strategi manajerial yang efektif dan sistem pengawasan internal yang kuat memiliki peran krusial dalam memastikan keberlanjutan serta kepatuhan terhadap prinsip-prinsip syariah dalam pembiayaan berbasis mudharabah. Metode penelitian yang digunakan adalah deskriptif kualitatif. Hasil penelitian menunjukkan bahwa BSI Kota Surabaya telah menerapkan akad mudharabah sesuai prinsip syariah dengan dua skema utama, yaitu mudharabah mutlaqah dan muqayyadah. Kendala utama yang dihadapi meliputi keterbatasan pemahaman SDM dalam manajemen risiko serta rendahnya literasi masyarakat terkait akad mudharabah. Namun, terdapat peluang besar dalam pengembangan pembiayaan ini, didukung oleh potensi UMKM di Surabaya dan regulasi yang semakin memfasilitasi perbankan syariah. Kesimpulannya, penerapan akad mudharabah di BSI Kota Surabaya memberikan manfaat signifikan bagi pengembangan ekonomi syariah, namun membutuhkan strategi optimalisasi melalui peningkatan literasi, pelatihan SDM, dan pemanfaatan teknologi digital.
Synergy of Production Training And Market Targeting in Improving Quality and Competitiveness of MSMES in Underdeveloped Regions Dwi Intan Cantika Putri Hendrayana; Eka Nova Yulianti; Mashudi
ORGANIZE: Journal of Economics, Management and Finance Vol. 4 No. 4 (2025): Economic Transformation and Development
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58355/organize.v4i4.174

Abstract

Micro, Small, and Medium Enterprises (MSMEs) play a crucial role in driving national economic growth, particularly in underdeveloped regions with limited access to developmental resources. Beyond being the largest employment sector, MSMEs significantly contribute to local economic empowerment. However, MSME actors in these disadvantaged areas often face critical challenges, including low product quality and inadequate implementation of effective and adaptive marketing strategies. These issues limit the competitiveness of MSME products in both local and national markets. This study aims to comprehensively analyze the impact of the synergy between production training and market targeting training on improving product quality and the competitiveness of MSMEs in underdeveloped regions. Employing a qualitative methodology through library research, the study synthesizes secondary data from scholarly journals, research reports, and relevant publications. The findings indicate that integrating production training which encompasses quality enhancement, efficiency improvements, and product innovation with marketing training covering branding strategies, digital marketing, and consumer segmentation simultaneously can elevate product standards and expand market reach. These results underscore the necessity of designing holistic, contextual, and sustainable training programs to address the structural challenges faced by MSMEs in underdeveloped areas. An integrated training synergy proves more effective in cultivating competent, adaptive entrepreneurs with heightened competitiveness amidst increasingly complex market dynamics.
Co-Authors Achmad Budi Susetyo Eka Nova Yulianti Mashudi