https://journal.iaisambas.ac.id/index.php/cbjbm <p style="text-align: justify;"><strong>Cross-Border Journal of Business Management</strong> 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. <strong>Cross-Border Journal of Business Management </strong>publishes issues twice a year: January and July. The editorial team of <strong>Cross-Border Journal of Business Management&nbsp;</strong>is welcome for researchers, academics, and practitioners submitting their best manuscripts to <strong>Cross-Border Journal of Business Management.&nbsp;</strong>The language of manuscript is either Indonesian or English.</p> en-US rji@iaisambas.ac.id (Oskar Hutagaluh, S.Pd, MM, M.Si) rji@iaisambas.ac.id (Iswandi, A.Md., M.Tr. E) Wed, 15 Jul 2026 12:28:48 +0800 OJS 3.1.2.4 http://blogs.law.harvard.edu/tech/rss 60 https://journal.iaisambas.ac.id/index.php/cbjbm/article/view/4277 <p>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 &lt; 1, 96 dan dapat dilihat pada P values 0,417 yang sig &gt; 0,05. Variabel karakter individu berpengaruh secara signifikan terhadap produktivitas, dari hasil uji hipotesis nilai T-statistik sebesar 29,145 dan &gt; 1,96 dan dapat dilihat pada P values 0,000 yang sig &lt; 0,05. Secara simultan variabel kepemimpinan dan karakter individu berpengaruh signifikan terhadap produktivitas dengan nilai signifikan T-statistik sebesar 2,013 dan &gt; 1,96 dan dapat dilihat pada P values 0,044 yang &lt; 0,05.</p> <p>&nbsp;</p> Depi Sri Rahayu, Wulan Purnamasari, Vera Ayu Oktoviasari Copyright (c) 2026 Depi Sri Rahayu https://creativecommons.org/licenses/by-sa/4.0 https://journal.iaisambas.ac.id/index.php/cbjbm/article/view/4277 Wed, 15 Jul 2026 00:00:00 +0800 https://journal.iaisambas.ac.id/index.php/cbjbm/article/view/5580 <p><em>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.</em></p> <p><em>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.</em></p> Sri Devi, Sulastri Copyright (c) 2026 Sri Devi, Sulastri https://creativecommons.org/licenses/by-sa/4.0 https://journal.iaisambas.ac.id/index.php/cbjbm/article/view/5580 Wed, 15 Jul 2026 13:23:57 +0800