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Kafalah: Jurnal Ekonomi, Manajemen, Dan Keuangan Syariah
Published by Sekolah Tinggi Agama Islam Baturaja
ISSN : 30468205     EISSN : 30469643     DOI : -
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Kafalah: Jurnal Ekonom, Manajemen, dan Keuangan Syariah, accepts only Bahasa Indonesia and English. The following types of work can be submitted: Research Paper, Conference/ seminar/ workshop paper, Case studies, Book Review, and Technical Report. The coverage area of studies includes, but not limited to, the following subjects pertaining to Islamic Economics and Finance including business and management
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Articles 40 Documents
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Dampak Nisbah Bagi Hasil Akad Mudarabah Mutlaqah Pada Produk Tabungan Berencana Chairul Rizki; Mila Fursiana Salma Musfiroh; Laila Sabrina
Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah Vol. 2 No. 2 (2025): Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah
Publisher : Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.1234/kafalah.v2i2.71

Abstract

Nisbah bagi hasil merupakan sistem yang digunakan dalam produk tabungan berencana akad mudarabah mutlaqah, dimana laba dari pengelolaan keuangan yang dilakukan oleh Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) akan dibagi dengan anggota selaku sahibul maal. Penelitian ini bertujuan untuk mengetahui penentuan nisbah bagi hasil dalam produk tabungan berencana melalui akad mudarabah mutlaqah berdasarkan hasil investasi di KSPPS Marhamah Cabang Sukoharjo dan mengetahui dampak penentuan nisbah bagi hasil tersebut dalam aspek perekonomian anggota. Metode yang digunakan dalam penelitian ini bersifat deskriptif kualitatif dengan objek penelitian di KSPPS Marhamah Cabang Sukoharjo. Data penelitian dikumpulkan menggunakan metode observasi, wawancara dan dokumentasi. Selanjutnya dianalisis menggunakan deskriptif kualitatif dengan tahapannya mengacu pada model Miles Huberman. Hasil penelitian menunjukan bahwa prosedur penentuan bagi hasil dalam produk tabungan berencana melalui akad mudarabah mutlaqah di KSPPS Marhamah Cabang Sukoharjo diperhatikan dari besaran investasi, besaran persentase nisbah bagi hasil (profit sharing) dimana untuk persentase bagi hasil untuk anggota 60% dan 40% untuk KSPPS dari total hasil bersih yang didapatkan. Akad yang digunakan dalam produk tabungan berencana adalah akad mudarabah mutlaqah, dimana sahibul maal memberikan kebebasan kepada pengelola untuk mengelola tabungan anggota. Adapun dampak penentuan nisbah bagi hasil dalam produk tabungan berencana belum berdampak signifikan terhadap perekonomian, meskipun persentasenya bisa dibilang besar akan tetapi total nominal yang didapatkan oleh shahibul maal belum berdampak signifikan terhadap perekonomian anggota
Analisis Kinerja Badan Penanggulangan Bencana Daerah Dalam Menanggulangan Bencana Alam di Kabupaten OKU Dedi Siswanto; Heru Purnama
Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah Vol. 2 No. 2 (2025): Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah
Publisher : Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.1234/kafalah.v2i2.72

Abstract

Penelitian ini bertujuan untuk mengetahui: kinerja Badan Penanggulangan Bencana Daerah kabupaten Ogan Komering Ulu dalam penanggulangan bencana, Apa saja hambatan dan upaya Badan Penanggulanan Bencana daerah Kabupaten Ogan Komering Ulu dalam menanggulangi bencana. Jenis penelitian dalam penelitian skripsi ini adalah penelitian kualitatif yang bersifat deskriftif. Subjek dalam penelitian ini adalah kepala Madrasah, guru dan siswa. Tehnik pengumpulan data dalam penelitian ini diperoleh dengan melalui observasi, wawancara dan dokumentasi.sedangkan tehnik pengumpulan data dari hasil penelitian ini dilakukan berdasarkan analisis deskriftip, analisis tersebut terdiri dari tiga alur analisis yang berinteraksi yakni reduksi data, penyajian data dan penarikan kesimpulan. Hasil dari penelitian ini adalah bahwa Badan Penanggulangan Bencana Daerah (BPBD) Kabupaten Ogan Komering Ulu tidak dapat melakukan kegiatan penanggulangan bencana sendiri akan tetapi membutuhkan bantuan dari pihak-pihak terkait.hal ini dikarenakan kurangnya personil yang dimiliki Badan Penanggulangan Bencana Daerah (BPBD) Kabupaten Ogan Komering Ulu. bahwa Badan Penanggulangan Bencana Daerah (BPBD) Kabupaten Ogan Komering Ulu memiliki hambatan-hambatan yang cukup menganggu Badan Penanggulangan Bencana Daerah (BPBD) Kabupaten Ogan Komering Ulu dalam melakukan penanggulangan bencana seperti kurangnya personil, kurangnya peralatan yang dibutuhkan, kurang tersedianya anggaran yang memadai dan terkadang kesulitan untuk mencapai daerah yang sedang terdampak bencana. Namun Badan Penanggulangan Bencana Daerah (BPBD) Kabupaten Ogan Komering Ulu tetap berupaya mengatasi hambatan tersebut dengan koordinasi dengan instansi terkait.
Pengembangan Usaha Ekonomi Kreatif Keripik Pisang Ditinjau Dari Perspektif Ekonomi Islam (Studi Pada Usaha Keripik Pisang Di Desa Tanjung Bunut Kecamatan Belida Barat) Yudi Rudi; Dedi Siswanto; Undiana Putri
Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah Vol. 3 No. 1 (2026): Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah
Publisher : Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.1234/kafalah.v3i1.126

Abstract

The purpose of this study is to find out the development of the creative economic business of banana chips and to find out the development of the creative economic business of banana chips from an Islamic economic perspective. Field research is essentially a method to find out specifically and realistically what is happening at a certain time in society. From this research, it can be understood that this research is a qualitative field where research is conducted to regularly study the background and development of the creative economic business of banana chips. Based on the results of research and discussion regarding the development of the Banana Chips industry in Tanjung Bunut Village, West Belida District in an Islamic Economic Perspective, it can be concluded that in developing the industry, the owners of the Banana Chips industry in Tanjung Bunut Village, West Belida District, use diversification strategies and intensive strategies. In an Islamic Economic perspective, the Banana Chips industry in Tanjung Bunut Village, West Belida District, in its operations has implemented five main elements in management, namely Planning, Organizing, Actuanting, Controlling and Leading
Kontribusi Bank Syariah Dalam Penguatan Ekonomi Lokal Berbasis UMKM Dani Atmaja; Kusjuniati Kusjuniati
Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah Vol. 3 No. 1 (2026): Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah
Publisher : Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.1234/kafalah.v3i1.127

Abstract

MSMEs play an important role in strengthening local economies but face limited access to financing. Islamic banking serves as an alternative financial system based on justice and partnership principles. This study aims to analyze the contribution of Islamic banks to MSME-based local economic development. A qualitative literature review method is employed. The results show that Islamic banks contribute through sharia-based financing, business assistance, financial literacy education, and profit-sharing partnerships, which positively support MSME sustainability and local economic growth.
Etika Bisnis: Sebuah Peran dalam Kemajuan Perusahaan Rifyal Zuhdi Gultom; Yudi Rudi
Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah Vol. 3 No. 1 (2026): Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah
Publisher : Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.1234/kafalah.v3i1.128

Abstract

Business ethics is a concept that exists to apply ethical values in carrying out business activities. In terms of goals, not only profitable business is the main priority, but also business that is morally sound. This study aims to understand the concept of business ethics in general, both the goals and scope of business ethics, and how important it is in advancing a company. The research method used is a qualitative method with a library research approach. Literature study is a method that seeks references relevant to the problems identified. The application of business ethics in a company will also shape behavior that leads to optimal, productive, and more focused performance capabilities for the benefit of all stakeholders, thereby contributing to higher company performance..
Analisis Kredit Mantap Pensiun Dalam Meningkatkan Kesejahteraan Nasabah Pensiun Di PT Bank Mandiri Taspen KCP Baturaja Sayu Mainingsih; Rofiqoh Rofiqoh; Yunika Nanda Putri
Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah Vol. 3 No. 1 (2026): Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah
Publisher : Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.1234/kafalah.v3i1.129

Abstract

This study is entitled “Analysis of Kredit Mantap Pensiun in Improving the Welfare of Retired Customers at PT Bank Mandiri Taspen KCP Baturaja,” which discusses how the Kredit Mantap Pensiun (KMP) product is implemented in improving the welfare of retired customers at PT Bank Mandiri Taspen KCP Baturaja, as well as the supporting and inhibiting factors in its implementation. This study aims to gain an in-depth understanding of how the KMP product is implemented in improving customer welfare and to identify the supporting and inhibiting factors in the implementation of the KMP product for retired customers at PT Bank Mandiri Taspen KCP Baturaja.The type of research used is descriptive research with a qualitative approach. The data sources consist of primary and secondary data. Data collection techniques include interviews, observations, and documentation.The results of the study indicate that the KMP product provision process consists of ten stages: credit application submission, verification and completion of required documents, interviews, on-the-spot visits, credit analysis, signing of the credit application, credit approval, credit disbursement, credit monitoring, and credit recovery. The KMP product helps improve the welfare of retired customers by assisting them in meeting consumptive needs and alleviating their financial burden in fulfilling increasingly high living expenses and urgent needs.Based on the research findings, supporting factors in the implementation of KMP include having human resources who are knowledgeable about the credit products offered, cooperation with BKPSDM and KPPN offices in the OKU Induk, OKU Timur, and OKU Selatan regions for pension administration and product promotion, as well as the availability of mobile service vehicles to accelerate services for retired customers outside the OKU Induk area. Meanwhile, several obstacles were identified in the KMP provision process, such as incomplete required documents, discrepancies in customer personal data, prospective customers having existing loans at other banks or financial institutions, network issues during video calls, and competition from other banks or financial institutions.
Analisis Penerapan Etika Bisnis Islam Dalam UMKM di Ayakh Ugan Pusat Oleh-Oleh Khas Baturaja Nur Hawa; Yose Rizal Fajri
Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah Vol. 3 No. 1 (2026): Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah
Publisher : Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.1234/kafalah.v3i1.130

Abstract

The results of the study indicate that Ayakh Ugan has implemented most of the principles of Islamic business ethics, such as providing friendly service, maintaining honesty in transactions, and paying attention to social responsibility towards the surrounding environment. The implementation of these ethics has a positive impact on customer loyalty, business image, and business sustainability. This study uses a descriptive qualitative approach with data collection techniques in the form of observation, interviews, and documentation. The theory used refers to the main principles of Islamic business ethics, namely tauhid (unity), balance (equilibrium), free will, responsibility (ihsan), and ihsan. In addition, the legal basis is taken from the Qur'an, including QS. An-Nahl verse 90, which emphasizes the importance of justice, ihsan, and the prohibition of unjust acts
Studi Komparatif: Problematika Pembiayaan KPR Pada Akad Murabahah Bil Wakalah Dan Akad Musyarakah Mutanaqisah di Perbankan Syariah Hilwa Fitri Millenia; Anita Mauliyanti; Arfarizan Arfarizan
Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah Vol. 3 No. 1 (2026): Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah
Publisher : Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.1234/kafalah.v3i1.131

Abstract

The goal of this research to determine the comparison of the implementation of murabahah bil wakalah and musyarakah mutanaqisah contracts in mortgage financing products at Islamic banks. Especially in responding to the existence of three issues attached to the implementation of the contract (sharia issues, legal issues, and operational issues). In its development, these two products underwent modifications with the addition of contracts so that they were considered to deviate from the original contract concept. The research method used is descriptive qualitative method with inductive analysis approach. The analysis is based on the DSN-MUI Fatwa regarding murabahah bil wakalah and musyarakah mutanaqishah, the Law of the Republic of Indonesia Number 21 of 2008 concerning Islamic Banking and other related regulations, and the Murabahah bil Wakalah and Musyarakah Muanaqisah Agreements. The result of the research is that the murabahah financing contract by including the wakalah contract can reduce the substance and shariah of the murabahah because it contradicts the DSN Fatwa Number 04/DSN-MUI/IV/2000, as well as musyarakah mutanaqisah based on shariah compliance in the DSN Fatwa No.73/DSN-MUI/ XI/2008 found a discrepancy in sharia.
Analisis Kenaikan Harga Emas di Pegadaian Baturaja 5 Tahun Terakhir (2020-2025) Reny Shinta Sari
Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah Vol. 3 No. 1 (2026): Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah
Publisher : Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.1234/kafalah.v3i1.132

Abstract

Gold is one of the most preferred investment instruments due to its relatively stable economic value and its function as a safe haven asset. This study aims to analyze the trend of gold prices at Pegadaian Baturaja over the last five years up to the most recent period and to examine the effect of gold price changes on customer behavior in utilizing gold-based financial services. This research employs a descriptive quantitative method with a trend analysis approach. The data were obtained from Pegadaian gold price data presented in five-year trend graphs, as well as primary data collected through observation and direct interviews conducted by Setiya on October 18, 2025. The results indicate that gold prices at Pegadaian Baturaja show an increasing trend. The increase in gold prices has a positive effect on customer interest in gold pawn services, gold savings, and gold installment products. The relationship between gold prices and customer behavior demonstrates a positive linear pattern, where an increase in gold prices is followed by an increase in demand for gold-based financial services
Adaptive Leadership And Employee Work Productivity; A Literature Review Ringgo Ivan Saputra; Havis Aravik
Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah Vol. 3 No. 1 (2026): Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah
Publisher : Kafalah: Jurnal Ekonomi, Manajemen, dan Keuangan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.1234/kafalah.v3i1.133

Abstract

The changes in the increasingly dynamic work environment necessitate organizations to have leaders who can swiftly adapt to various challenges. Adaptive leadership has emerged as a relevant leadership approach in addressing the complexities and uncertainties faced by modern organizations. This article aims to examine the concept of adaptive leadership and its relationship with employee productivity based on various scientific literature. The method employed is a literature review of books, national and international journals, and relevant scientific publications. The findings indicate that adaptive leadership positively influences employee productivity by enhancing motivation, work engagement, innovation capabilities, and flexibility in task completion. Therefore, the implementation of adaptive leadership can serve as a crucial strategy for organizations to improve performance and competitiveness

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