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Abstract
Lanskap manajerial dalam pengambilan keputusan di era modern ini sangatlah dinamis dan penuh ketidakpastian. Oleh karena itu penelitian ini akan mengeksplorasi mengenai konsep qadar (destiny) dan bagaimana konsep tersebut berinteraksi mengenai praktik manajemen risiko kontemporer melalui metode library research. Pengumpulan data dilakukan dengan menganalisis 25 sumber literatur yang terdiri dari 15 artikel jurnal, 5 buku, dan 5 studi kasus yang dikumpulkan dari Google Scholar menggunakan tool Publish or Perish. Penelitian ini mengkaji perspektif mazhab Maturidi dan Asy'ari, yang keduanya menawarkan kesamaan dengan nuansa yang berbeda mengenai makna memiliki kebebasan memilih sambil tetap meyakini takdir, serta bagaimana perspektif tersebut dapat diintegrasikan dengan contingency theory dalam konteks akuisisi pengguna. Hasil kajian menunjukkan bahwasannya integrasi iman kepada qadar dengan contingency theory memberikan beberapa kontribusi penting. Pertama, integrasi ini dapat meningkatkan efektivitas pengambilan keputusan melalui proses cognitive reframing dan emotional regulation yang membantu manajer tetap tenang dalam menghadapi ketidakpastian. Kedua, pemahaman terhadap qadar justru mendorong sikap proaktif dalam mitigasi risiko karena konsep ikhtiar (usaha maksimal) dipandang sebagai bagian dari takdir itu sendiri. Ketiga, kesadaran spiritual ini memperkuat resiliensi organisasional ketika menghadapi fluktuasi metrik akuisisi pengguna yang tidak dapat diprediksi. Validasi praktis ditemukan pada kasus Bank Universal BPR yang mencatatkan pertumbuhan aset sebesar 187% selama periode krisis 2020-2022 dengan menerapkan strategi adaptif berbasis growth mindset. Dengan demikian, penelitian ini menunjukkan bahwasannya integrasi spiritualitas Islam dengan teori manajemen modern menciptakan pendekatan yang lebih holistik dan adaptif dalam menghadapi kompleksitas bisnis digital.
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References
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References
Abujreiban, T. (2023) “Impact of Using Some Active Learning Strategies in a Curricula and Teaching Methods Course on the Learning Motivation Level and the Development of Critical Thinking Skills Among the Students of the Faculty of Arts at Al-Zaytoonah University,” Journal of Higher Education Theory and Practice, 23(20), hal. 139–149. Tersedia pada: https://doi.org/10.33423/jhetp.v23i20.6691.
Ahmad, I.U. (1992) “Islam and the Economic Challenge By M. Umer Chapra. Leicester, UK: The Islamic Foundation and IIIT, 1992, 428 pp.,” American Journal of Islamic Social Sciences, 9(4), hal. 546–555. Tersedia pada: https://doi.org/10.35632/ajis.v9i4.2540.
Ajzen, I. (1991) “The Theory of Planend Behavior,” in Organizational Behaviour and Human Decision Processes. 2 ed. Massachusetts: Academic Prees, Inc., hal. 179–211. Tersedia pada: https://doi.org/10.47985/dcidj.475.
Al-Shboul, M. dan Maghyereh, A. (2023) “Did real economic uncertainty drive risk connectedness in the oil–stock nexus during the COVID-19 outbreak? A partial wavelet coherence analysis,” Journal of Economic Structures, 12(1), hal. 11. Tersedia pada: https://doi.org/10.1186/s40008-023-00306-x.
Ali, A.J. dan Al‐Owaihan, A. (2008) “Islamic work ethic: a critical review,” Cross Cultural Management: An International Journal, 15(1), hal. 5–19. Tersedia pada: https://doi.org/10.1108/13527600810848791.
Devina (2024) ‘Universal Talks’ Episode 2 : Kunci Sukses Membangun SDM Inovatif Bersama Dr. Indrawan Nugroho, Universal BPR. Tersedia pada: https://universalbpr.co.id/blog/universal-talks-episode-2/ (Diakses: 1 November 2025).
Donaldson, L. (2001) The Contingency Theory of Organizations. SAGE Publications, Inc. Tersedia pada: https://doi.org/10.4135/9781452229249.
Eposi, E.M. dan Potgieter, M. (2021) “Service Quality Strategy Challenges for Managers and Frontline Employees in the South African Post Office in the North West Province,” International Journal of Financial Research, 12(5), hal. 89–103. Tersedia pada: https://doi.org/10.5430/ijfr.v12n5p89.
Harzing, A.-W. (2016) Publish or Perish: Explains the use of Publish or Perish and its metrics, Harzing.com. Tersedia pada: https://harzing.com/resources/publish-or-perish (Diakses: 1 November 2025).
Hidayati, Y., Fathimah, L. dan Karim, P.A. (2024) “Pendidikan Aqidah Tentang Qadha Dan Qadar: Strategi Menanamkan Pemahaman Takdir Kepada Generasi Muda Muslim,” Journal Of Human And Education (JAHE), 4(6), hal. 1026–1032. Tersedia pada: https://jahe.or.id/index.php/jahe/article/view/2010.
International Organization for Standardization (2018) ISO 31000:2018 Risk Management Guidelines. 2 ed. Geneva: International Organization for Standardization.
Ivascu, L. et al. (ed.) (2024) The Future of Risk Management. IntechOpen. Tersedia pada: https://doi.org/10.5772/intechopen.1001758.
Kulchmanov, A., Hassan, M.K. dan Rashid, M. (2016) “CONTINGENCY THEORY APPROACH TO RISK MANAGEMENT PRACTICES IN ISLAMIC BANKS: A CASE STUDY ON KAZAKHSTAN,” International Journal of Islamic Business, 1(2), hal. 35–67. Tersedia pada: https://doi.org/10.32890/ijib2016.1.2.3.
Ozdemir, S. et al. (2024) “Customer analytics and new product performance: The role of contingencies,” Technological Forecasting and Social Change, 201, hal. 123225. Tersedia pada: https://doi.org/10.1016/j.techfore.2024.123225.
Ren, Y.T. dan Yeo, K.T. (2005) “Managing uncertainty in technology acquisition: the implications of complexity theory,” in Proceedings. 2005 IEEE International Engineering Management Conference, 2005., hal. 695–699. Tersedia pada: https://doi.org/10.1109/IEMC.2005.1559238.
Röser, M. (2024) “More certainty in uncertainty: a special life-cycle approach for management decisions in volatile markets,” Journal of Management Control, 35(1), hal. 165–197. Tersedia pada: https://doi.org/10.1007/s00187-023-00364-z.
Sari, F.J. (2013) “Implementasi Enterprise Risk Management Pada Perusahaan Manufaktur di Indonesia,” Accounting Analysis Journal, 2(2), hal. 163–170. Tersedia pada: https://journal.unnes.ac.id/sju/index.php/aaj/article/view/1440.
Strouth, A. dan McDougall, S. (2021) “Societal risk evaluation for landslides: historical synthesis and proposed tools,” Landslides, 18(3), hal. 1071–1085. Tersedia pada: https://doi.org/10.1007/s10346-020-01547-8.
Universal BPR (2025) Membangun SDM Inovatif di BPR bersama Dr. Indrawan Nugroho | Universal Talks, Youtube. Tersedia pada: https://www.youtube.com/watch?v=JoP3RDqTwiI&t=40s (Diakses: 1 November 2025).
