Analisis Manajemen Risiko Sumber Daya Manusia Pada Usaha Rumah Makan Pusaka Bunda Berdasarkan Teori Tawakal
DOI:
https://doi.org/10.55903/juria.v5i1.382Keywords:
Risiko, Tawakal, sumberdaya manusia, akidahAbstract
Penelitian bertujuan guna mengidentifikasi risiko yang muncul terkait pengelolaan sumber daya manusia serta mengetahui tingkat dampak dari risiko tersebut pada Usaha Rumah Makan Pusaka Bunda. Metode yang dipakai merupakan pendekatan kualitatif dan pemaparan data secara deskriptif dan mengacu pada pedoman standar ISO 31000. Hasil penelitian menunjukan bahwa terdapat tiga risiko kategori tinggi yaitu pertama, karyawan masih tidak mematuhi sistem kehadiran dan belum menjalankan jobdesk sesuai ketentuan. Kedua, Proses rekrutmen yang tidak tepat dan ke tiga pelatihan terhadap karyawan yang kurang optimal. Kategori rendah terdiri dari ketidakjelasan tanggung jawab dapat menimbulkan konflik kerja, tumpah tindih tugas, dan menurunkan efesiensi usaha dan kesalahpahaman dalam pelaksanaan tugas dapat menurunkan kualitas layanan dan memicu ketegangan antar karyawan. Sementara berdasarkan pada penilaian aspek fondasi pemilik usaha rumah makan Pusaka Bunda berada pada risiko rendah untuk aspek mengerjakan sholat, perilaku jujur dan sumber modal usaha. Dengan mengetahui risiko sumberdaya manusia diharapkan rumah makan Pusaka Bunda dapat meminimalisir risiko terkait pengelolaan sumber daya manusia sehingga dapat mencapai tujuan perusahaan secara optimal.
References
Ab Rahman, Z., Kashim, M. I. A. M., Mohd Noor, A. Y., Che Zarrina Saari, A. Z. H., Abdul Rahim Ridzuan, A. R. R., & Hanizah Mohd Yusoff, W. H. K. (2020). Critical review of positive behavior and resilience in Islamic perspective during the COVID 19 pandemic. Journal of Critical Reviews, 7(5), 1117-1125.
Abu Farah, Y. (2009). Crisis management, integrated entrance. Amman, Jordan: Athraa for Publishing and Distribution.
Abu Hussain, H. and Al‐Ajmi, J. (2012). Risk management practices of conventional and Islamic banks in Bahrain. Journal of Risk Finance, 13(3), 215-239. https://doi.org/10.1108/15265941211229244
Abu Khalil, M. (2001). The position of principals of basic education schools on some crises and planning to face them. The Future of Arab Education, 7(21), 259–318.
Abu-Hilal, M., Al-Bahrani, M., & Al-Zedjali, M. (2017). Can religiosity boost meaning in life and suppress stress for Muslim college students?. Mental Health, Religion & Culture, 20(3), 203–216. https://doi.org/10.1080/13674676.2017.1324835
Agustin, H. (2021). Teori bank syariah. Jurnal Perbankan Syariah, 2(1), 67-83
Agustin, H. (2025). buku ajar pengantar metode penelitian kualitatif manajemen. Padang: Gemilang Press Indonesia
Agustin, H., Armis., & Hasan, H. (2022). teori manajemen risiko bank syariah. Jurnal Tabarru’: Islamic Banking and Finance, 5(2), 551-564. https://doi.org/10.25299/jtb.2022.vol5(2).11251
Agustin, H., Hasan, H., Setiawan, R., & Indrastuti, S. (2023). Pengembangan Konsep Kualitas Layanan Bank Syariah Berdasarkan Perspektif Islam. Jurnal Tabarru’ : Islamic Banking and Finance, 6(2), 785-794
Agustin, H., Setiawan, R., Hasan, H., & Rusby. Z. (2025). Teori dewan pengawas syariah. JSE: Jurnal Sharia Economica, 4(2), 244-259. DOI: https://doi.org/10.46773/jse.v4i1
Agustin, H., Setiawan, R., Hasan, H., & Rusby. Z. (2025a). Konsep strategi pemasaran syariah berdasarkan aqidah dan akhlak Rasulullah Shallallahu’alaihi Wasallam. (2025). Jurnal Media Akademik (JMA), 3(7). https://doi.org/10.62281/gvc46y12
Agustin, H., Siregar, A., Setiawan, R., Hamdi, L.M., & Hamdi, L.A (2025). Manajemen Risiko Berdasarkan Teori Tawakal. SYARIKAT : Jurnal Rumpun Ekonomi Syariah, 8(1), 335-357
Ahmad, Z., & Ahad, A. (2020). COVID-19: A Study of Islamic and Scientific Perspectives. Theology and Science, 1-10. https://doi.org/10.1080/14746700.2020.1825192
Akkizidis, I., & Khandelwal, S. K. (2008). Financial risk man agement for Islamic banking and finance. New York, NY: Palgrave Macmillan.
Alhammadi, S., Archer, S. and Asutay, M. (2020). Risk management and corporate governance failures in Islamic banks: a case study, Journal of Islamic Accounting and Business Research, 11(10),1921-1939. https://doi.org/10.1108/JIABR-03-2020-0064
Al-Khudairi, M. (2003). Crisis management: An administrative economic approach to resolving crises at the level of national economy and economic unity (2nd ed.). Cairo, Egypt: Madbouly Library.
Al-Momani, N. (2007). Disaster and crisis plans (disaster and crisis management). Amman, Jordan: The National Library.
Al-Sheikh, B. (2008). The extent to which security and safety departments are ready to face crises and disasters (master thesis, unpublished). Naïf Arab University for Security Sciences, Riyadh, Saudi Arabia.
Al-Suwailem, S. (2000). Towards an objective measure of gharar. Islamic Economic Studies, 7(1&2), 61-102.
Amanambu, U. E. (2020). Almajiri Islamic practices and the COVID-19 pandemic in Nigeria: matters arising. Journal of Applied Philosophy, 18(3), 88-106. doi. 10.13140/RG.2.2.15971.99366
Arta, I. P. S., Satriawan, D. G., Bagiana, I. K., Loppies, Y., Shavab, F. A., Mala, C. M. F., Sayuti, A. M., Safitri, D. A., Berlianty, T., Julike, W., Wicaksono, G., Marietza, F., Kartawinata, B. R., & Utami, F. (2021). Manajemen Risiko, Tinjauan Teori Dan Praktis. Bandung: Widina Bhakti Persada.
Chattha, J.A., Alhabshi, S.M. and Meera, A.K.M. (2020). Risk management with a duration gap approach: Empirical evidence from a cross-country study of dual banking systems", Journal of Islamic Accounting and Business Research, 11(6), 1257-1300. https://doi.org/10.1108/JIABR-10-2017-0152
Choudhury, M. A. (2018). Tawhidi Islamic economics in reference to the methodology arising from the Qurʾān and the Sunnah. ISRA International Journal of Islamic Finance, 10(2), 263276. https://doi.org/10.1108/IJIF-02-2018-0025
Eid, W., & Kamal, A. (2012). Mapping the risks and risk man agement practices in Islamic banking (Doctoral thesis). Durham University. Retrieved from http://etheses.dur. ac.uk/3582/
Elgari, M. A. (2003). Credit risk in Islamic banking and finance. Islamic Economic Studies, 10(2), 1-25.
Elgharbawy, A. (2020). Risk and risk management practices: A comparative study between Islamic and conventional banks in Qatar. Journal of Islamic Accounting and Business Research, 11(8), 1555-1581. https://doi.org/10.1108/JIABR-06-2018-0080
Fathi, M. (2002). Getting out of dilemma: The art of crisis management. Cairo, Egypt: Islamic Distribution and Publishing House.
Febianto, I. (2012). Adapting risk management for profit and loss sharing financing of Islamic banks institutions. Modern Economy, 3, 73-80. doi:10.4236/me.2012.31011
Fianto, B.A., Gan, C., Hu, B., (2019). Financing from Islamic microfinance institutions: evidence from Indonesia. Agric. Finance Rev. 79 (5), 633–645.
Garssen, B., Visser, A., & Pool, G. (2021). Does spirituality or religion positively affect mental health? Meta-analysis of longitudinal studies. International Journal for the Psychology of Religion, 31(1), 4–20. https://doi.org/10.1080/10508619.2020.1729570
Ghobary, B. B., Khodayari-Fard, M., Shokoohi Yekta, M., & Nasafat, M. (2005). Development of Reliance on God Scale and investigating the relation of reliance on God with anxiety in college students. Unpublished research project: School of Psychology and Education, University of Tehran.
Greuning, H. V., & Iqbal, Z. (2008). Risk analysis for Islamic banks. Washington, DC: The International Bank for Reconstruction and Development, The World Bank.
Hakim, R., Muslikhati & Aprilianto, F. (2020). Islamic Economics Ethics Perspective on Economic Development in the Time of Coronavirus Disease (Covid-19). Falah: Jurnal Ekonomi Syariah, 5(2), 111-127. https://doi.org/ 10.22219/jes.v5i2.14019
Hasanah, U., & Mahya, J. (2023). Memahami manajemen risiko serta landasan hukum dalam agama. NATUJA : Jurnal Ekonomi Syariah,2(2), 66-79
Husein, G., & Imbar , R. V. (2015). Analisis Manajemen Resiko Teknologi Informasi Penerapan pada Document Mnagement System di PT. Jabar Telematika (JATEL). Jurnal Teknik dan Sistem Informasi, 1(2), 75-87
IEC. (2019). Risk Management - Risk Assessment Technicques. Retrieved from ISO: https://www.iso.org/obp/ui/en/#iso:std:iec:31010:ed-2:v1:en,fr
Indrawati, N. K., Salim, U., Hadiwidjojo, D., & Syam, N. (2012). Manajemen Risiko Berbasis Spiritual Islam. Ekuitas (Jurnal Ekonomi Dan Keuangan), 16(2), 184–208. https://doi.org/10.24034/J25485024.Y2012.V16.I2.217
Indriya. (2020). Konsep Tafakkur Dalam Alquran Dalam Menyikapi Coronavirus Covid-19. Salam:Jurnal Sosial Dan Budaya Syar’i, 7(3). https://doi.org/https://doi.org/10.15408/sjsbs.v7i3. 15050Abstract - 0 PDF – 0
Jamil, S., Irawati, I., Taabudilah, M. H., & Haryadi, R. N. (2023). Pentingnya Pendidikan Agama Islam dalam Membentuk Kesadaran Sosial dan Kemanusiaan. Kaipi: Kumpulan Artikel Ilmiah Pendidikan Islam, 1(2), 35-38.
Javanmard, G. H. (2013). Religious beliefs and resilience in academic students. Procedia - Social and Behavioral https://doi.org/10.1016/j.sbspro.2013.06.638
Kamal, F. (2014). Managemen Risiko dan Risiko dalam Islam. MUAMALAH, 4(2), 91 98. https://doi.org/10.24256/M.V4I2.781
Kassim, S.H.J., Rahman, M. (2018). Handling default risks in microfinance: the case of Bangladesh. Qualit. Res. Finan. Market. 10 (4), 363–380.
Khalid, S. & Amjad, S. (2012). Risk management practices in Islamic banks of Pakistan", Journal of Risk Finance, 13(2), 148-159. https://doi.org/10.1108/15265941211203198
Khan, T., & Ahmed, H. (2001). Risk management: An analysis of issues in Islamic financial industry (Occasional Paper No. 5). Jeddah, Saudi Arabia: Islamic Research and Training Institute.
Lucchetti, G., Góes, L. G., Amaral, S. G., Ganadjian, G. T., Andrade, I., Almeida, P. O. de A., … Manso, M. E. G. (2020). Spirituality, religiosity and the mental health consequences of social isolation during Covid-19 pandemic. International Journal of Social Psychiatry, 67(6), 672-679. https://doi.org/10.1177/0020764020970996
Maali, B.M., Atmeh, M.A. (2015). Using social welfare concepts to guarantee Islamic banks’ deposits. Int. J. Islam. Middle E Finance Manag. 8 (2), 134–149.
Maher, A. (2006). General rules for dealing with crises (crisis management). Alexandria, Egypt: Alexandria University House.
Mokni, B.S., Echchabi, R., Azouzi, D. & Rachdi, H. (2014). Risk management tools practiced in Islamic banks: evidence in MENA region.Journal of Islamic Accounting and Business Research, 5(1), 77-97. https://doi.org/10.1108/JIABR-10-2012-0070
Mukhibad, H., Setiawan, D., Aryani, Y.A. & Falikhatun, F. (2024). Corporate governance and Islamic bank risk – do the directors’ and the Shariah board’s diversity attributes matter?. Corporate Governance, 24(5), 1213-1234. https://doi.org/10.1108/CG-08-2022-0348
Mustafa, J. (2005). Educational administration new entrances to a new world. Cairo, Egypt: Dar Al-Fikr Al-Arabi.
Mutamimah, M., Zaenudin, Z. and Bin Mislan Cokrohadisumarto, W. (2022). Risk management practices of Islamic microfinance institutions to improve their financial performance and sustainability: a study on Baitut Tamwil Muhammadiyah, Indonesia. Qualitative Research in Financial Markets, 14(5), 679-696. https://doi.org/10.1108/QRFM-06-2021-0099
Negi, A. S., Khanna, A., & Aggarwal, R. (2021). Spirituality as predictor of depression, anxiety and stress among engineering students. Journal of Public Health (Germany), 29(1), 103 116. https://doi.org/10.1007/s10389-019-01092-2
Nuraini, H. (2022). Manajemen Risiko Untuk Meminimalisir Masalah Perusahaan. OPTIMAL: Jurnal Ekonomi dan Manajemen ,2(3), 339-350
Oudat MS, Ali BJA, Abdelhay S, Hazaimeh HM, Altalay MSR, Marie A and El Bannany M (2024).The efect of financial risks on the performance of Islamic and commercial banks in UAE. Frontiers in Applied Mathematics and Statistics, 9 https://doi.org/10.3389/fams.2023.1250227
Pajarianto, H., Kadir, A., Galugu, N., Sari, P., & Februanti, S. (2020). Study from home in the middle of the covid-19 pandemic: analysis of religiosity, teacher, and parents support against academic stress. Journal of Talent Development and Excellence, 12(2s), 1791 1807. Retrieved from http://iratde.com/index.php/jtde
Perera, C. K., Pandey, R., & Srivastava, A. K. (2018). Role of Religion and Spirituality in Stress Management Among Nurses. National Academy of Psychology (NAOP) India. Psychological Studies, 63, 187-199. https://doi.org/10.1007/s12646-018-0454-x
Philip, S., Colburn, A. A. N., Underwood, L., & Bayne, H. (2019). The impact of religion/spirituality on acculturative stress among international students. Journal of College Counseling, 22(1), 27-40. https://doi.org/10.1002/jocc.12112
Rozzani, N., Mohamed, I.S., Syed Yusuf, S.N., (2017). Risk management process: profiling of islamic microfinance providers. Res. Int. Bus. Finance 41 (April), 20–27.
Sakellari, E., Psychogiou, M., Georgiou, A., Papanidi, M., Vlachou, V., & Sapoutzi-Krepia, D. (2017). Exploring religiosity, self-esteem, stress, and depression among students of a cypriot university. Journal of religion and health, 57, 136-145. https://doi.org/10.1007/s10943-017-0410-4
Sartika, A., & Kurniawan, I. N. (2015). Skala tawakal kepada Allah: Pengembangan ukuran ukuran psikologis surrender to God dalam perspektif Islam. Psikologika: Jurnal Pemikiran dan Penelitian Psikologi, 20(2), 129-142.https://doi.org/10.20885/psikologika.vol20.iss2.art3
Setiawan, D., & Mufarihah, S. (2021). Tawakal dalam Al-Qur’an Serta Implikasinya dalam Menghadapi Pandemi Covid-19. Jurnal Studi Al-Qur’an, 17(1), 1-18. DOI:doi.org/10.21009/JSQ.017.1.01.
Shah, S.A.A., Fianto, B.A., Sheikh, A.E., Sukmana, R., Kayani, U.N. & Bin Ridzuan, A.R. (2023). Role of fintech in credit risk management: an analysis of Islamic banks in Indonesia, Malaysia, UAE and Pakistan. Journal of Science and Technology Policy Management, 14(6), 1128-1154. https://doi.org/10.1108/JSTPM-06-2022-0104
Sholihin, M., Zaki, A., & Maulana, A.O. (2018). Do Islamic rural banks consider Islamic morality in assessing credit applications? J. Islam. Account. Business Res. 9(4), 498–513.
Siddiqui, A. (2008). Financial contracts, risk and performance of Islamic banking. Managerial Finance, 34, 680-694. doi:10.1108/03074350810891001
Sundararajan, V., & Errico, L. (2002). Islamic financial institution and products in the global financial system: Key issues in risk management and challenges ahead (International Monetary Fund working paper). Washington, DC: International Monetary Fund.
Suparmin, A. (2019). Manajemen Risiko Dalam Perspektif Islam. El-Arbah: Jurnal Ekonomi, Bisnis Dan Perbankan Syariah, 2(02), 27–47. https://doi.org/10.34005/elarbah.v2i02.551
Supriatal, S., & Mulyanto, H. (2023). Peran Aktualisasi Diri sebagai Intervening Keteladanan dan Komunikasi Pimpinan terhadap Kinerja Pegawai. Jurnal Manajemen Bisnis dan Keuangan, 4(2), 275-284.
Syaputri, A., & Miswardi, M. (2023). Analisis Penilaian Aspek Agunan pada Pembiayaan Murabahah di PT. BSI Tbk Afo (Area Financing Operation) Bukittinggi. Jurnal Ekonomi Utama, 2(2), 232-239.
Tariq, A. A. (2004). Managing financial risks of Sukuk Structures (Doctoral thesis). Loughborough University, UK. Retrieved from http://kantakji.com/media/7829/f216.pdf
Tasri (2020). Hikmah di tengah wabah virus corona dalam tinjauan hukum Islam. Qiyas,5(1), 42-50
Wardiwiyono, S. (2012). Internal control system for Islamic micro financing: an exploratory study of Baitul Maal wat Tamwil in the City of Yogyakarta Indonesia. Int. J. Islam. Middle E Finance Manag. 5(4), 340–352.
Yun, K., Kim, S., & Awasu, C. R. (2019). Stress and impact of spirituality as a mediator of coping methods among social work college students. Journal of Human Behavior in the Social Environment, 29(1), 125–136. https://doi.org/10.1080/10911359.2018.1491918
Zainol, Z. & Hj. Kassim, S. (2012), A critical review of the literature on the rate of return risk in Islamic banks, Journal of Islamic Accounting and Business Research, 3(2), 121-137. https://doi.org/10.1108/17590811211265948
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Hamdi Agustin, Alsi Adefia Ampera, Fuji Dwi Citra Resmi, Siti Aisyah Sabri, Siti Nurfadilah
This work is licensed under a Creative Commons Attribution 4.0 International License.
