scholarly journals Ketepatan waktu pembayaran simpan pinjam guna meningkatkan pengembangan koperasi unit desa

2021 ◽  
Vol 10 (2) ◽  
pp. 197
Author(s):  
Prastika Nurlitaputri ◽  
Isharijadi Isharijadi ◽  
Elana Era Yusdita
Keyword(s):  
Descriptive Analysis ◽  
Qualitative Approach ◽  
Economic Factors ◽  
Crop Failure ◽  
Field Surveys ◽  
Ability To Pay ◽  
Business Units ◽  
Savings And Loan ◽  
New Business

This study aims to analyze (1) the causes of inaccurate loan payments (2) the handling of inaccurate savings and loan payments (3) solutions for the development of the SMW Village Unit Cooperative. The data were collected by means of observations, interviews, and documentation. Then, they were analysed using descriptive analysis with a qualitative approach. The informants of this study were the cooperative employees in relation whith the cooperative savings and loan process. The results showed that the inaccurate loan repayments were due to economic factors (illness, celebration, disaster experienced by members, other unexpected needs) and delayed harvest periods (crop failure). The handling of inaccurate savings and loan payments done by the KUD SMW were taken by conducting field surveys, giving warnings, and taking personal approaches. Next is that the solution to developing the KUD SMW is carried out by means of business expansion and business intensification. The SMW KUD should do a more maximal analysis of the 5C principle so that they can clearly identify the borrower's ability to pay their future obligations, and it is better to strengthen the development of business intensification prior to business extentification so that bad credit does not burden new business units.

scholarly journals PERAN GANDA PEREMPUAN NELAYAN DI DESA MUARA GADING MAS LAMPUNG TIMUR

2018 ◽  
Vol 10 (2) ◽  
pp. 187
Author(s):  
Ani Rostiyati
Keyword(s):  
Data Collection ◽  
Descriptive Analysis ◽  
Qualitative Approach ◽  
Dual Role ◽  
Savings And Loan ◽  
The Family ◽  
New Business ◽  
Domestic Roles ◽  
Depth Interviews

Perempuan yang bekerja di sektor maritim mempunyai peran ganda, karena penghasilan suami sebagai pencari nafkah tidak dapat mencukupi kebutuhan keluarga. Dari fenomena itu, yang menjadi permasalahan adalah bagaimana peran ganda perempuan nelayan di Desa Muara Gading Mas Lampung Timur sehingga kedua tanggungjawab baik peran domestik dan publik berhasil dilaksanakan dengan baik. Tujuan dari penelitian ini adalah untuk mengetahui peran ganda perempuan nelayan di sektor maritim terkait dengan kontribusi perempuan nelayan dalam memenuhi kebutuhan ekonomi dan peran domestik. Penelitian ini menggunakan pendekatan kualitatif yakni pendekatan yang dipakai untuk memahami aktivitas kehidupan dan peran perempuan nelayan secara utuh dan holistik. Penelitian bersifat analisis deskriptif yakni menganalisis dan menyajikan fakta secara sistematis sehingga mudah dipahami dan disimpulkan. Adapun pengambilan data dilakukan melalui observasi, wawancara mendalam, studi pustaka, dan foto. Hasil penelitian, terungkap mereka berhasil mengembangkan strategi adaptasi sehingga peran ganda tersebut dapat dilakukan dengan baik. Upaya yang dilakukan  adalah menciptakan sumber usaha baru, mengatur alokasi waktu, dan meningkatkan keterampilannya mengikuti berbagai pelatihan, serta usaha simpan pinjam. Women who work in the maritime sector have a dual role, because the husband's income as a breadwinner cannot meet the needs of the family. From this phenomenon, the problem is how the dual role of fisherwomen in Muara Gading Mas village, East Lampung, so that both responsibilities both domestic and public roles are successfully implemented. The purpose of this study was to determine the dual role of fisherwomen in the maritime sector related to the contribution in meeting economic needs and domestic roles. This study uses a qualitative approach. The approach used to understand the activities of life and the role of fisherwomen holistically. The research is descriptive analysis that is analyzing and presenting the facts systematically so that they are easily understood and concluded. The data collection is done through observation, in-depth interviews, literature studies, and photographs. The results of the study revealed that they had succeeded in developing adaptation strategies, so the dual role could be carried out well. Efforts are made to create new business sources, manage time allocations, and improve their skills in participating in various trainings, as well as savings and loan businesses.

scholarly journals Pola Rescheduling Pada Pembiayaan Bermasalah Berakad Murabahah Di Bank Syariah

2019 ◽  
Vol 6 (1) ◽  
pp. 27-48
Author(s):  
Andini Salamah ◽  
Arrison Hendry
Keyword(s):  
Research Method ◽  
Descriptive Analysis ◽  
Qualitative Approach ◽  
Islamic Banks ◽  
Ability To Pay ◽  
The Real ◽  
Real Cost ◽  
Islamic Bank ◽  
The Cost

This study aims to examine further related to problem financing, especially in murabahah financing. The research method used is a qualitative approach with descriptive analysis. The results of this study are, the rescheduling process undertaken by Islamic banks is to extend the term of financing and installment, with customer’s critera: decreased ability to pay, has a good business prospect, able to fulfill obligations after rescheduling. Second, Islamic bank must apply the provisions of the Fatwa DSN MUI that should not add to the remaining amount of bills, charging the cost in the rescheduling process is the real cost, and the extension of time payer must based on the agreement of both parties. Third, in the case of problem financing in effect after rescheduling is done, then the action that can be performed by the Islamic bank is to convert the murabahah financing contract into the qardh financing agreement.

MOTIF YANG BERPENGARUH PADA PROSES KEJIWAAN TOKOH SAM DALAM NOVEL SEBENING SYAHADAT KARYA DIVA SR

2020 ◽  
Vol 8 (2) ◽  
pp. 10
Author(s):  
Dandy Ashghor Dawudi ◽  
Kamidjan Kamidjan ◽  
Agus Sulton
Keyword(s):  
Research Method ◽  
Descriptive Analysis ◽  
Research Process ◽  
Cultural Factors ◽  
Qualitative Approach ◽  
Literature Study ◽  
Love Story ◽  
True Value ◽  
Analysis Technique ◽  
Qualitative Descriptive

This research takes the object of Sebening Syahadat by Diva SR, this work is a novel that tells the story of the journey ofa teenager named Sam who is in the process ofsearching for identity. The journey is filled with interesting twits and turns embelissed with a love story that is very suitable if consumed by the younger generation who are learning to find identit. This study aims to reveal the value motives that led Sam’s character in finding his identity, which expected to be a material for reflection for readers, especially young people who are in the process of discovering his identity, the scope of the problem in this study is to reveal the value motives that affect the character’s psyche. Sam is told to have a rascal character.The research method used in this study took a descriptive qualitative approach, data colletion used was a literature study technique with stages of reading, note taking, coding for futher analysis. The analysis technique used is qualitative descriptive analysis technique.The result of the research in this research process indicate that the mental process of Sam’s character influenced by several factors, including: a. Motives in cultural factors (Situasional Factors), b. The motive for love begins with admiration for the attitude of someone who is full of noble values of character, c. The motive of curiosity and fulfillment of his needs for true value.

Analisis SWOT (Strength, Weakness, Opportunities, Threats) Melalui Inkuiri Terbimbing Pada Materi Kegiatan Ekonomi Mahasiswa Pendidikan Guru Sekolah Dasar

2019 ◽  
Vol 1 (2) ◽  
pp. 141
Author(s):  
Iis Yeni Sugiarti
Keyword(s):  
Swot Analysis ◽  
Descriptive Analysis ◽  
Qualitative Approach ◽  
Guided Inquiry ◽  
Analysis Method ◽  
Economic Activities ◽  
External Analysis ◽  
High Level ◽  
Center Area ◽  
Trade Competition

Abstrak. Desa Trusmi merupakan sentra batik sekaligus kuliner di Kabupaten Cirebon. Banyaknya pemegang usaha di bidang produksi batik mengakibatkan persaingan dagang diwilayah tersebut. Penelitian ini bertujuan untuk menganalisis SWOT (Strength, Weakness, Opportunities, Threats)  di salah satu usaha batik milik H. Edi Baredi atau sering dikenal dengan EB Batik Tradisional melalui inkuri terbimbing. Analisis meliputi profil usaha, aspek produksi, aspek tenaga kerja, aspek pemasaran dan aspek keuangan. Jenis penelitian ini menggunakan pendekatan kualitatif dengan metode deskripstif analisis. Berdasarkan analisis internal dan eksternal analisis SWOT, strategi yang  dilakukan oleh EB Batik Tradisional yaitu menghindari kehilangan penjualan dan profit yang disebabkan banyaknya persaingan dagang di kawasan sentra batik Trusmi dengan munculnya inovasi baru. Penguatan karakter pada produksi batiknya dapat mengatasi pesaingan dagang dan menambah daya tarik pembeli. Kata Kunci: SWOT, Inkuiri Terbimbing, dan Kegiatan Ekonomi Abstract. Trusmi village is a center of batik as well as culinary in Cirebon Regency. A large number of business holders in the field of batik production has resulted in trade competition in the region. This study aims to analyze SWOT (Strength, Weakness, Opportunities, Threats) in one of the batik business owned by H. Edi Baredi or often known as EB Traditional Batik through guided injury. The analysis includes the business profile, production aspects, labor aspects, marketing aspects, and financial aspects. This type of research uses a qualitative approach with descriptive analysis method. Based on internal and external analysis of the SWOT analysis, the strategy carried out by EB Traditional Batik is to avoid losing sales and profits due to the high level of trade competition in the Trusmi batik center area with the emergence of innovations. Strengthening the character of batik production can overcome trade competition and increase the attractiveness of buyers. Keywords: SWOT, Guided Inquiry, and Economic Activities

Gaya Bahasa dalam Pepatah Adat Masyarakat Petalangan Riau

2019 ◽  
Vol 10 (2) ◽  
pp. 285
Author(s):  
Yeni Maulina ◽  
Khairul Azmi
Keyword(s):  
Cultural Heritage ◽  
Descriptive Analysis ◽  
Qualitative Approach ◽  
Community Life ◽  
Sentence Structure ◽  
Analysis Method ◽  
Philosophy Of Life ◽  
The People ◽  
Data Source ◽  
Language Styles

Pengkalan Kuras, Langgam, Kuala Kampar, and Bunut Subdistrict, Pelalawan Regency. Petalangan tribe has various cultures in the traditions of life. A good introduction to cultural heritage by the next generation can strengthen the nation's tradition in responding to the increasingly severe challenges of the future in this era of globalization. Cultural heritage in the form of moral-spiritual inheritance, one of which is obtained and known through the tradition of belief in the traditional proverb that exists in the community. The traditional adage in the Petalangan community, among others, explains the perspective on community life. This study aims to describe the style of language in the customary proverb that is related to the perspective of life in society. This research uses a qualitative approach with descriptive analysis method. The data source used was the book entitled Pepatah Adat, Istilah, dan Kosa kata Masyarakat Petalangan Kabupaten Pelalawan, Riau. There are 16 traditional proverbs used as data in this study, which then obtained 3 language styles based on sentence structure and 2 language styles based on meaning. By knowing and learning the style of language in this traditional proverb, the philosophy of life and aesthetic tastes of the people of Riau can be understood. Petalangan merupakan salah satu puak asli di Provinsi Riau yang bermukim di Kecamatan Pengkalan Kuras, Langgam, Kuala Kampar, dan Bunut, Kabupaten Pelalawan. Suku Petalangan ini memiliki beraneka kebudayaan dalam kehidupan. Pengenalan yang baik terhadap warisan kebudayaan oleh generasi penerus dapat memperteguh tradisi bangsa dalam menjawab tantangan masa depan yang semakin berat dalam era globalisasi ini. Warisan kebudayaan yang berupa warisan moral-spiritual, satu di antaranya didapatkan dan diketahui keyakinan terhadap pepatah adat yang ada pada masyarakat. Pepatah adat dalam masyarakat Petalangan antara lain menjelaskan cara pandang mengenai hidup bermasyarakat. Penelitian ini bertujuan mendeskripsikan gaya bahasa di dalam pepatah adat yang berhubungan dengan cara pandang dalam hidup bermasyarakat. Penelitian ini menggunakanpendekatan kualitatif dengan metode analisis deskriptif. Sumber data yang digunakan adalah buku Pepatah Adat, Istilah, dan Kosa kata Masyarakat Petalangan Kabupaten Pelalawan, Riau. Terdapat 16 pepatah adat yang dijadikan data dalam penelitian ini, yang kemudian diperoleh 3 gaya bahasa berdasarkan struktur kalimat dan 2 gaya bahasa berdasarkan makna. Dengan mengetahui dan mempelajari gaya bahasa dalam pepatah adat ini dapat dipahami filsafat hidup dan cita rasa estetika masyarakat Riau.

DAMPAK BADAN USAHA MILIK DESA (BUMDES) TERHADAP KESEJAHTERAAN MASYARAKAT DI DESA TUTUR

2021 ◽  
Vol 4 (1) ◽  
pp. 131
Author(s):  
Khumaidi Khumaidi ◽  
Siti Zaynab
Keyword(s):  
Rural Communities ◽  
Rural Economy ◽  
Complex Problem ◽  
Business Development ◽  
Qualitative Approach ◽  
Depth Interview ◽  
New Business ◽  
The Impact ◽  
The Village

Badan Usaha Milik Desa thereafter called BUMDes is an alternative to improve the rural economy. Unfortunately, however, the position of BUMDes had not been governed completely in existing legislation. Another more complex problem is that in choosing an appropriate enterprise for establishing BUMDes. This study aims to describe the impact of BUMDES on the welfare of rural communities. BUMDES is one of the programs to strengthen the role of the region.This research was conducted using a qualitative approach and used in-depth interview and observation techniques. The results of the study have shown that BUMDES has had an impact on the village economy. BUMDES has an impact on community business development in Tutur Village. In addition, BUMDES encourages people to start a new business according to the potential of the community. The impact of other BUMDES is to improve the level of children's education and improve public health

scholarly journals FAKTOR PENYEBAB PENGHAPUSAN DANA TALANGAN HAJI DI BANK SYARIAH INDONESIA (Studi Kasus ex BNI Syariah Indralaya)

2021 ◽  
Vol 1 (2) ◽  
pp. 177-184
Author(s):  
Ahmad Ichsan ◽  
Choirunnisak Choirunnisak ◽  
Meriyati Meriyati
Keyword(s):  
Main Product ◽  
Descriptive Analysis ◽  
Research Data ◽  
Qualitative Approach ◽  
Waiting List ◽  
Primary Data ◽  
Interview Method

This research was motivated when the policy of eliminating hajj bailouts was lowered, it made researchers want to know the factors of eliminating hajj bailouts at Bank Syariah Indonesia (BNI Syariah Indralaya), as well as how the solutions for customers provided by Bank Syariah Indonesia (BNI Syariah Indralaya) related to the elimination of hajj bailouts. This study aims to analyze the abolition of hajj bailouts at Bank Syariah Indonesia (BNI Syariah Indralaya). This research is descriptive using a qualitative approach. This research data uses primary data. To explore relevant data, the writer uses the interview method, after the data has been collected, it is analyzed using descriptive analysis. The results showed that the elimination of hajj bailouts was due to hajj bailouts that were not the main product, hajj bailout products were not profitable, and the high waiting list for prospective hajj pilgrims. The solution provided by the bank is the introduction of the iB Hasanah Savings product.

scholarly journals DINAMIKA LAHIRNYA FATWA MUI PROVINSI MALUKU UTARA TENTANG SESATNYA SYI'AH JA'FARIYAH AJARAN NAWAWI HUSNI (ONG)

Harmoni ◽  
2018 ◽  
Vol 17 (2) ◽  
pp. 256-271
Author(s):  
Ibnu Hasan Muchtar
Keyword(s):  
Qualitative Data ◽  
Descriptive Analysis ◽  
Emergency Situation ◽  
Qualitative Approach

The objective of this research is to describe the presence of synergy between the fatwa Commission of MUI of North Maluku and other fatwa institutions within Islamic organisations in issuing a fatwa on the deviation of Ja’fariya Shi’ism of Nawawi Husni (Ong). This is also to identify factors which lead to the synergy, and conversely, other obstacles that did not lead them to synergy.The research applied qualitative approach with descriptive analysis. The qualitative data is collected by using techniques of interview, documentary study, and library inquiry. The case of the study is the fatwa of MUI of North Maluku, No. 45, Year 2015 on the deviation of teaching spread by Nawawi Husni (Ong) on behalf of Ja’fariya Shi’ism.The research discovers that there was no synergy between the fatwa Commission of MUI of North Maluku and other fatwa institutions within Islamic organisations. The fatwa Commission of MUI of North Maluku did not officially involve other fatwa institutions within Islamic organisations when discussing the draft of the fatwa, well in fact, they were usually involved in the previous meetings before the idea whether the MUI need to issue a fatwa or not. This includes several factors such as 1) the emergency situation as the inter-citizen conflict had emerged; 2) it was not easy to coordinate with other fatwa institutions; 3) the have been representatives of Islamic organisations in the board of MUI of the Province of North Maluku

scholarly journals The Method of Da’wah of Jama’ah Mastūrah in Increasing Religious Awareness of Women in Aceh Besar

2020 ◽  
Vol 28 (2) ◽  
pp. 204
Author(s):  
Wirman Wirman ◽  
Mira Fauziah
Keyword(s):  
Women Religious ◽  
Open Space ◽  
Descriptive Analysis ◽  
Qualitative Approach ◽  
Male Counterpart ◽  
Analysis Method ◽  
Bulletin Boards ◽  
Written Materials

Jama’ah Mastūrah refers to a congregation of women division of Jama’ah Tabligh. As is the case of the male counterpart, Jama’ah Mastūrah also takes part in Islamic missionary activities. However, this group does not carry out da’wah in an open space or in front of the congregation. This study aimed to analyze the method of da’wah carried out by Jama’ah Mastūrah in raising women religious awareness in Aceh Besar. The study used qualitative approach and the descriptive analysis method. Data were collected by interview and documentation study. The results showed that the da’wah method carried out by Jama'ah Masṭurah was the method of da’wah bi al-lisān,  bi al-kitābah and bi al-hāl. The bi al-lisān method is carried out by inviting the surrounding community to invite people to pray, wear a headscarf, recite the Qur'an and attend ta'lim activities in their homes. The bi al-kitābah is a method of da’wah by means of written materials, such as books, billboards, banners, bulletin boards,  or pamphlets, containing messages of da’wah to mad’ū. The bi al-hāl method is carried out by showing noble morals, maintaining the limits of the genitals and avoiding meeting with men who are not mahram.

scholarly journals Telaah Kritis Akad Musyarakah Mutanaqisah

2019 ◽  
Vol 1 (1) ◽  
pp. 79
Author(s):  
Muh Turizal Husein
Keyword(s):  
Financial Services ◽  
Home Ownership ◽  
Descriptive Analysis ◽  
Qualitative Approach ◽  
Islamic Banking ◽  
Significant Growth ◽  
Living Space ◽  
Innovation Product ◽  
Analysis Design

Since the opening of the MEA door in 2015 to 2020, it will be colored by a strategy competition and a tighter level of financial services business competition. Sharia Banking products based on partnerships with "profit-loss sharing" such as Musyarakah currently have not shown significant growth like other products. One of the musyarakah derivative contracts that has the potential to be practiced as an innovation product in Islamic banking is the musyarakah mutanaqisa contract. This study examines the need for living space for customers by using musyarakah mutanaqisa agreement and musyarakah mutanaqisa practice in Indonesia. This study uses a qualitative approach with descriptive analysis design. In Indonesia, only a few Sharia Banks have offered financing products with mutanaqisa musyarakah contracts, namely Sharia Maybank, Panin Sharia Bank, Mega Syariah Bank and Bank Muamalat. Of the four BUSs, the products they offer have ownership of assets namely home ownership and vehicles. But in their practice they still give customers the choice in choosing, which contract they will use. such as murabahah contracts in home ownership products and vehicles.Keywords: Musyarakah, Mutanaqisa, Profit, Banks

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