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Cross-Border Journal of Business Management
Published by Institut Agama Islam Sultan Muhammad Syafiuddin Sambas
ISSN : 2775538X     EISSN : 28291344     DOI : https://doi.org/10.37567/
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Cross-Border Journal of Business Management Focuses in any related disciplines of research on Business Management science. The scopes are Human Resource Management, Marketing Management, Financial Management, Production/Operational Management, Strategic Management, Islamic Business Management, Halal Industry Management, Hajj and Umro Management, Zakat and Waqf/ Islamic Philanthropy Management, Tourism Management, Banking Management, Industrial Management, Agribusiness Management, Business Administration.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 83 Documents
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PENGARUH MOTIVASI DAN DISIPLIN KERJA TERHADAP KINERJA KARYAWAN PADA CV RISHA DESA GUGAH SEJAHTERA KECAMATAN PEMANGKAT KABUPATEN SAMBAS Fitriana; Wahab; Marina
Cross-Border Journal of Business Management Vol. 6 No. 1 (2026): Cross-Border Journal of Business Management
Publisher : Institut Agama Islam Sultan Muhammaad Syafiuddin Sambas

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Abstract

The success of an organization is influenced by many factors, one of which is employee performance. Meanwhile, employee performance is influenced by motivation and work discipline. Problems with motivation and work discipline will impact employee performance. This study aims to examine and determine the partial and simultaneous influence of motivation and work discipline on employee performance at CV Risha, Gugah Sejahtera Village, Pemangkat District, Sambas Regency. This research is an associative study with a quantitative approach. It was conducted at CV Risha, Gugah Sejahtera Village, Pemangkat District, Sambas Regency. This study used primary data collected using a questionnaire. The researchers employed quantitative analysis using multiple linear regression and coefficient of determination analysis using SPSS 27. The population was all 41 employees of CV Risha Pemangkat, using a nonprobability sampling technique with a saturated sampling method. The results showed that motivation positively impacted employee performance, with a significance value of 0.004 < 0.05 and a calculated t-value of 3.101 > t-table of 2.024. Work discipline positively impacted employee performance, with a significance value of 0.016 < 0.05 and a calculated t-value of 2.526 > 2.024. Simultaneously, motivation and work discipline significantly impacted employee performance, with a significance value of 0.001 < 0.05. The coefficient of determination value in this study was 41.2% and the remaining 58.8% was influenced by other variables not used in this study.
PENGARUH KEPEMIMPINAN DAN KARAKTER INDIVIDU TERHADAP PRODUKTIVITAS GABUNGAN KELOMPOK TANI (GAPOKTAN) SEMANGAT BARU DESA ARUNG MEDANG: Pengaruh kepemimpinan dan karakter individu terhadap produktivitas gabungan kelompok tani (gapoktan) semangat baru desa arung medang Depi Sri Rahayu; Wulan Purnamasari; Vera Ayu Oktoviasari
Cross-Border Journal of Business Management Vol. 6 No. 2 (2026): Cross-Border Journal of Business Management
Publisher : Institut Agama Islam Sultan Muhammaad Syafiuddin Sambas

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Abstract

Keberhasilan suatu organisasi dipengaruhi oleh banyak faktor, salah satunya terletak pada produktivitas. Sementara itu, produktivitas gabungan kelompok tani dipengaruhi oleh kepemimpinan dan karakter individu. Penelitian ini bertujuan untuk menguji dan mengetahui pengaruh kepemimpinan dan karakter individu secara parsial dan simultan terhadap produktivitas Gapoktan di Desa Arung Medang Kecamatan Tangaran Kabupaten Sambas dalam perspektif manajemen bisnis syariah. Jenis data dalam penelitian ini adalah kuantitaif dengan analisis data statistik deskriptif menggunakan data primer dan data sekunder. Jumlah sampel pada penelitian ini adalah 99 responden dengan teknik purposive sampling. Teknik yang digunakan pada analisis data adalah SEMPLS terdiri dari outer model (convergent validity, descriminant validity, dan composite reliability), inner model (R-square dan F-square ), dan bootstraping. Berdasarkan hasil analisis dengan bantuan software SmartPLS 4 diketahui bahwa variabel kepemimpinan tidak berpengaruh signifikan terhadap produktivitas, dari hasil uji hipotesis nilai T-statistik sebesar 0,812 dan < 1, 96 dan dapat dilihat pada P values 0,417 yang sig > 0,05. Variabel karakter individu berpengaruh secara signifikan terhadap produktivitas, dari hasil uji hipotesis nilai T-statistik sebesar 29,145 dan > 1,96 dan dapat dilihat pada P values 0,000 yang sig < 0,05. Secara simultan variabel kepemimpinan dan karakter individu berpengaruh signifikan terhadap produktivitas dengan nilai signifikan T-statistik sebesar 2,013 dan > 1,96 dan dapat dilihat pada P values 0,044 yang < 0,05.
STRATEGI WANPRESTASI DALAM PEMBIAYAAN KEPEMILIKAN RUMAH PADA AKAD MUSYRAKAH MUTANAQISAH DI BANK KALBAR CABANG SYARIAH SAMBAS Sri Devi; Sulastri
Cross-Border Journal of Business Management Vol. 6 No. 2 (2026): Cross-Border Journal of Business Management
Publisher : Institut Agama Islam Sultan Muhammaad Syafiuddin Sambas

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Abstract

This research aims to analyze the default handling strategy and the factors causing defaults in home ownership financing using the Musyarakah Mutanaqisah contract at Bank Kalbar Sambas Sharia Branch. This research employs a qualitative approach with a descriptive research type and a case study design. Data collection was carried out through in-depth interviews with bank management and staff, customers experiencing defaults, direct observation at the research site, and official bank documentation. The results show that the implemented default handling strategy is carried out in stages, starting with a persuasive approach and customer guidance according to collectibility levels, followed by restructuring in the form of rescheduling, reconditioning, and voluntary collateral execution without increasing the customer’s principal obligation burden. Factors causing defaults include unstable economic conditions and income, limited location access and payment facilities, poor character and financial management skills of customers, and family problems. The implemented strategy is aligned with sharia principles, yet improvements are still needed in the initial verification stage for prospective customers and expansion of payment service coverage.

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