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Journal : International Journal of Applied Business and International Management

Risk Management of Musyarakah Mutanaqisah Contract in Sharia Banks in Indonesia: Legal and Operational Issues Ivan Rahmat Santoso; Molbi Harsanto; Ismet Sulila; Agil Bahsoan
International Journal of Applied Business and International Management (IJABIM) Vol 5, No 3 (2020): IJABIM VOL. 5 NO. 3
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (243.08 KB) | DOI: 10.32535/ijabim.v5i3.980

Abstract

This paper discusses how to solve problems occurring in the risk management of musyarakah mutanaqisah contract on home financing in sharia banks in Indonesia, particularly on its legal and operational issues. This study used a qualitative method using library data collection techniques and interviews. The study found that legal and operational risk management issues could be satisfactorily resolved by agreement of rescheduling, adding new conditions, and using new structures in accordance with Islamic teachings and applicable positive laws. In addition, ownership proof of some is needed to minimize the risk for the bank and the customer.
The Effect of Discipline and Work Motivation on Employee Performance, BTPN Gorontalo Ismet Sulila
International Journal of Applied Business and International Management (IJABIM) Vol 4, No 3 (2019): IJABIM VOL. 4 NO. 3
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (323.307 KB) | DOI: 10.32535/ijabim.v4i3.690

Abstract

Performance is an important aspect of the organization. Performance can be influenced by various factors, including discipline and work motivation. Therefore the purposes of this study are 1) to find out to what extent the influence of Discipline on Employee Performance; 2) to know to what extent the influence of the Work Motivation on Employee Performance; 3) to figure out to what extent the influence of simultaneous discipline and work motivation on Employee Performance. This quantitative method employed multistage sampling that was done in stages. It was based on the scope of employees in BTPN Gorontalo. The analysis tool used was a mathematical model of Multiple Linear Regression with SPSS 16.0. Moreover, all BTPN Gorontalo employees were taken as the population in this study. The results of the t-test of variable of discipline significantly influence employee performance seen from tcount (4,388) ¬>ttable(1,729); while the variable of work motivation has a significant effect on employee performance behavior seen from tcount (2,379) > ttable (1,729). Based on the calculated value of 13,532 with a p-value (sig. Value) of 0,000. This value is much lower than 0.05, which means it has simultaneous effect. According to the calculation of the determination coefficients, it is obtained R Square value of 0.501. This value means 50.1% of the variability regarding Employee Performance can be explained by the independent variables in the model (Discipline and Work Motivation), while the remaining 49.9% is influenced by other variables.