scholarly journals Implementasi Pembiayaan Mudharabah dan Murabahah di BMT NU Ngasem Bojonegoro

2020 ◽  
Vol 10 (2) ◽  
pp. 105-119
Author(s):  
Mundhori Mundhori ◽  
Muhammad Nashrulloh
Keyword(s):  
Data Analysis ◽  
Secondary Data ◽  
Profit Sharing ◽  
Data Sources ◽  
Collection Method ◽  
Data Presentation ◽  
Analysis Techniques ◽  
Qualitative Descriptive ◽  
Descriptive Approach ◽  
Secondary Data Sources

BMT NU Ngasem Bojonegoro has several financing products including mudaraba, musharaka and murabahah. In this study, what is interesting for the writer to study is mudaraba financing and murabahah financing. This is because mudharabah and murabahah contracts are contracts that are easy to apply in channeling funds. BMT is quite selective in analyzing financing before BMT realizes financing, to minimize losses caused by bad loans due to lack of financing realialization standards. This study uses a qualitative descriptive approach, and uses primary and secondary data sources. This data collection method uses interviews, observation and documentation. Data analysis techniques used are data reduction analysis techniques, data presentation and verification or conclusion drawing. To check the validity of the findings the author uses triangulation techniques. The results showed that the implementation of mudharabah financing in BMT NU Ngasem Bojonegoro the procedure was not in accordance with the Shari'ah principle because the profit sharing ratio was determined by the BMT itself, which is 2%, but the practice still uses the 5C general principles (Character, Capacity, Capital, Condition of Economy and Colleteral). Murabahah financing at BMT Ngasem Bojonegoro NU is in accordance with the applicable rules in accordance with the 5C general principles, this is evident that murabahah financing is carried out through a sale and purchase agreement with several conditions and agreements that apply between the customer and the BMT.   BMT NU Ngasem Bojonegoro memiliki beberapa produk pembiayaan antara lain mudharabah, musyarakah dan murabahah. Dalam penelitian ini yang menarik bagi penulis untuk untuk diteliti adalah pembiayaan mudharabah dan pembiayaan murabahah. Hal ini dikarenakan akad mudharabah dan murabahah merupakan akad yang mudah untuk diaplikasikan dalam penyaluran dana. BMT cukup selektif dalam menganalisis pembiayaan sebelum BMT merealisasikan pembiayaan, untuk meminimalisir kerugian yang disebabkan oleh kredit macet karena kurangnya standar realialisasi pembiayaan. Penelitian ini dilakukan dengan metode pendekatan deskriptif kualitatif, serta menggunakan sumber data primer dan sekunder. Metode pengumpulan data ini dengan cara wawancara, observasi dan dokumentasi, teknik analisis datanya menggunakan menggunakan teknik reduksi data, penyajian data dan verifikasi atau penarikan kesimpulan. Untuk pengecekan keabsahan temuan penulis menggunakan teknik triangulasi. Hasil penelitian menunjukkan bahwa implementasi pembiayaan mudharabah di BMT NU Ngasem Bojonegoro prosedurnya belum sesuai dengan prinsip syari’ah karena nisbah bagi hasilnya ditentukan oleh pihak BMT sendiri, yakni 2%, tetapi prakteknya masih menggunakan prinsip umum 5C (Character, Capacity, Capital, Condition of Economy dan Colleteral). Pembiayaan murabahah di BMT NU Ngasem Bojonegoro sudah sesuai dengan kaidah-kaidah yang berlaku sesuai dengan prinsip umum 5C, dan dibuktikan bahwa pembiayaan murabahah dilakukan dengan akad jual beli dengan beberapa ketentuan dan kesepakatan yang berlaku antara nasabah dan pihak BMT.

scholarly journals Pembelajaran Seni Kaligrafi Berbasis Eksperimen Kimia di Sekolah Dasar Negeri 8 Kawunglarang Rancah Kabupaten Ciamis

2021 ◽  
Vol 15 (1) ◽  
pp. 69
Author(s):  
Siti Sopiah
Keyword(s):  
Qualitative Research ◽  
Data Analysis ◽  
Data Collection ◽  
Secondary Data ◽  
Data Sources ◽  
Primary Data ◽  
Data Presentation ◽  
Analysis Techniques ◽  
Three Stages ◽  
Secondary Data Sources

Learning the art of calligraphy based on chemical experiments is an activity of learning the art of calligraphy in developing the potential of students to foster creativity, instill value, and develop productive abilities by using harmless materials, namely using colored plants. The purpose of this research was to determine the process and to obtain calligraphy work in learning the art of calligraphy based on chemical experiments. The type of method used in this research is field qualitative research. The data sources in this study were divided into two: first, primary data sources consisting of the principal, educators, and students of SDN 8 Kawunglarang Rancah; second, secondary data sources obtained through tracing of various references. Furthermore, the data collection instruments used were observation, interviews, and documentation, as well as the data analysis techniques used, namely through three stages including data reduction, data presentation, and drawing conclusions. The results of this study indicate that the process of learning the art of calligraphy based on chemical experiments includes the planning, implementation, and evaluation stages. The work of SDN 8 Kawunglarang students is still in the basic stages so there are several mistakes in its making.

FENOMENA TRADISI ZIARAH MAKAM K.H.R BAGUS KHASANTUKA DI DUSUN SENUKO SIDOAGUNG GODEAN SLEMAN

2021 ◽  
Vol 2 (2) ◽  
pp. 1-12
Author(s):  
Pandiga Aji Norseta
Keyword(s):  
Qualitative Research ◽  
Data Analysis ◽  
Positive Impact ◽  
Secondary Data ◽  
Data Sources ◽  
Primary Data ◽  
Data Presentation ◽  
Analysis Techniques ◽  
Youth Organization ◽  
Data Validity

This study aims to see the phenomena of the tradition of pilgrimage to the grave of K.H.R Bagus Khasantuka in Dusun Senuko Sidoagung Godean Sleman. The method used in this research is qualitative research methods. This study has two types of data and data sources, namely primary data and secondary data. Data interview techniques in this study were carried out by direct field observation, interviews, and documentation. The data analysis techniques used were data, data reduction, data presentation, and data collection. The data validity checking technique used was the source triangulation technique and the technique triangulation. The results of this study indicate the phenomenon of the pilgrimage tradition at K.H.Rr's grave intending to pray for and interpret the values of life, pilgrims who visit the grave of waliyullah K.H.R Bagus Khasantuka can trace the struggle of previous scholars in Islam. The existence of Sendang Bagusan as an example of K.H.R Bagus Khasantuka is still used by the Javanese mystical adherents for the kungkum ritual to achieve certain goals. The development of the Tomb of K.H.R Bagus Khasantuka also had a positive impact on the construction of hamlet roads, gates, and youth organization activities in Senuko Village.

scholarly journals Service-Based Leadership in Islamic Schools

2020 ◽  
Vol 6 ◽  
Author(s):  
Putri Chusnul Khotimah ◽  
Budi Haryanto ◽  
Eni Fariyatul Fahyuni
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Data Reduction ◽  
Analysis Data ◽  
Data Sources ◽  
Data Presentation ◽  
Islamic Schools ◽  
Analysis Techniques ◽  
Descriptive Research ◽  
Qualitative Descriptive

This paper discusses service-based leadership in Islamic schools. Leadership demands a transformation from the heart and changes in character. True leadership starts from within and then moves outside to serve those they lead. This is where the importance of the character and integrity of a leader to become a true leader and accepted by other people or parties. This research is a qualitative-descriptive research which is expected to be able to uncover various information with a careful and meaningful description-analysis. Data sources in this study include principals, staff, students. Data collection is done by interview, observation, and documentation. As for the data analysis techniques through the stages of data reduction, data presentation and data analysis. The results of this research are (a) the principal's leadership has a variety of models that are extraordinary depending on the situation and conditions. (b) Service-based leadership is a new trend for achieving desired quality goals.

scholarly journals Analisis Penerapan Elektronik Pajak Bumi dan Bangunan Pedesaan dan Perkotaan (E-PBB P2)

2021 ◽  
Vol 11 (2) ◽  
pp. 233-240
Author(s):  
Putri Febriana Wijayanti ◽  
Elva Nuraina ◽  
Elly Astuti
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Data Reduction ◽  
Asset Management ◽  
Research Method ◽  
Secondary Data ◽  
Data Sources ◽  
Regional Government ◽  
Analysis Techniques ◽  
Secondary Data Sources

This study aims to analyze the application of the Electronic Land and Building Tax in Urban and Rural (E-PBB P2) at the Regional Financial and Asset Management Revenue Agency of Magetan Regency. The research method uses descriptive qualitative. Sources of data used are primary and secondary data sources. Data collection techniques are interviews, observations, and documentation. Data analysis techniques use data reduction, presentation of information data, and concluding. The results of the implementation of E-PBB in Magetan Regency have been maximized from data collection, assessment, determination, billing, payment, and services. Although there are still some obstacles, such as the application network, the system is not optimal and taxpayers' low participation. In terms of income, the increase was not significant. Only the circulation of billed money that went to the Regional Government was faster.

scholarly journals Persepsi Masyarakat Hindu Terhadap Keberadaan Pasraman Formal Di Bali

2020 ◽  
Vol 10 (1) ◽  
pp. 235
Author(s):  
Ni Komang Sutriyanti
Keyword(s):  
Data Analysis ◽  
Research Method ◽  
Secondary Data ◽  
Data Sources ◽  
Sampling Techniques ◽  
Learning Method ◽  
Descriptive Data ◽  
Analysis Techniques ◽  
Secondary Data Sources ◽  
Using Data

This paper aims to analyze the perception of Hindu society on the existence of formal pasraman (Hindu style of education) in Bali. The research method used is namely the type of qualitative research. This research of descriptive data with primary and secondary data sources and the technique of determining informants using purposive sampling techniques. Methods of data collection using observation techniques, interviews, literature studies, and documentation, as well as using data analysis techniques and presentation techniques of data analysis results. The results showed that first, the background of the establishment of a formal pasraman include juridical background, religious, and needs. Second, the learning method uses is catur pramana learning method. Third, the perception of Hindu society on the existence of formal pasraman is still low due to a lack of understanding as a whole, therefore it is necessary to socialize the existence of formal pasraman.Keywords: perception, learning methods, catur pramana, formal Hindu pasraman

scholarly journals Analisis Perkembangan Ekspor Impor Barang Ekonomi di Provinsi Sumatera Utara

2019 ◽  
Vol 8 (1) ◽  
pp. 31-36
Author(s):  
Sari Wulandari ◽  
Anggia Sari Lubis
Keyword(s):  
Data Analysis ◽  
Trade Balance ◽  
Secondary Data ◽  
Data Sources ◽  
Descriptive Data ◽  
Balance Sheets ◽  
Analysis Techniques ◽  
Qualitative Descriptive ◽  
Economic Goods ◽  
North Sumatra

This study aims to determine the development of exports and imports of North Sumatra Province through export and import value indicators, balance sheets and trade ratios. Data analysis techniques in research are qualitative descriptive data analysis. The data sources in this study are secondary data downloaded through www.bps.go.id, especially data on exports and imports and the trade balance of economic goods groups in North Sumatra Province. The results showed that there was an increase and improvement that could be seen from the increase in the volume and value of exports of economic goods groups, a decrease in the volume and value of imports of economic goods groups as well as an increase in foreign trade ratios and a trade balance that showed positive foreign economic goods group controlled by exports.

scholarly journals The Role of Sri Hartini as The Regent of Klaten Related to The Corruption of Criminal Acts in Klaten District

2020 ◽  
Vol 8 (2) ◽  
Author(s):  
Muhammad Dimas Rizqi ◽  
Achmad Nurmandi ◽  
Dian Eka Rahmawati
Keyword(s):  
Qualitative Research ◽  
Data Analysis ◽  
Dominant Role ◽  
Secondary Data ◽  
The State ◽  
Data Sources ◽  
Analysis Techniques ◽  
Secondary Data Sources ◽  
District Government

The administrators of the state should be obliged to carry out their duties with a sense of responsibility and do not commit disgraceful acts, without strings attached either for personal, family, crony or group interests and do not expect compensation in any form that is contrary to the provisions of the legislation in force. However, Sri Hartini as the state organizer as the Regent of Klaten did it against the law. For this reason, the purpose of this research is how is the role of Sri Hartini as the Regent of Klaten Related to Corruption in Klaten Regency. This research uses descriptive qualitative research methods and data analysis techniques using the Nvivo 12 Plus software and secondary data sources from the Putusan Mahkamah Agung Nomor 55/PID.SusTPK/2017/PN.SMG. And the result is that Sri Hartini's role as a state organizer as Klaten Regent has a very dominant role in committing criminal acts of corruption, gratuity, bribery, and abuse of authority with the new SOTK changes in the Klaten District Government Environment. This can be proven by the percentage generated from the analysis using Nvivo 12 Plus, namely Gratification with a percentage of 35.27%, Network with a percentage of 45.95%, Bribery with a percentage of 38.08%, and Abuse of authority with a percentage of 37.82%.

scholarly journals Implementasi Ekstrakulikuler Ketrampilan dalam Peningkatan Kemandirian Anak di SLB YPAC Pangkalpinang

2020 ◽  
Vol 4 (1) ◽  
pp. 78-87
Author(s):  
Diah Rina Miftakhi
Keyword(s):  
Special Needs ◽  
Extracurricular Activities ◽  
Secondary Data ◽  
Data Sources ◽  
Primary Data ◽  
Extracurricular Activity ◽  
Children With Special Needs ◽  
Qualitative Descriptive ◽  
Descriptive Approach ◽  
Secondary Data Sources

AbstrakPenelitian ini dilakukan dengan tujuan untuk mengetahui tingkat kemandirian anak berkebutuhan khusus yang ada di lembaga SLB YPAC Pangkalpinang melalui implementasi kegiatan ekstrakurikuler ketrampilan. Tujuan dalam penelitian ini adalah untuk mengetahui pelaksanaan kegiatan ekstrakurikuler ketrampilan serta untuk mengetahui tingkat kemandirian anak. Metode yang digunakan dalam penelitian ini adalah pendekatan deskriptif kualitatif dengan sumber data penelitian yang terdiri dari sumber data primer dan sumber data sekunder. Tehnik pengumpulan data yang digunakan yaitu melalui observasi, wawancara, dan dokumentasi.  SLB YPAC Pangkalpinang membuat beberapa kegiatan ekstrakurikuler antara lain: membatik, memasak, merias wajah, membuat kerajinan tangan dari bahan-bahan bekas, dan membuat keranjang hantaran pernikahan. egiatan ekstrakurikuler yang dilaksanakan di SLB YPAC Pangkalpinang mulai tingkat SDLB sampai SMALB. Harapan dari pihak sekolah adalah dengan diberikannya kegiatan ekstrakurikuler ini, maka anak berkebutuhan khusus di SLB YPAC Pangkalpinang akan memiliki bekal ketrampilan setelah mereka lulus dan dapat mandiri dengan mengembangkan ketrampilan yang sudah mereka miliki. Abstract           This research was conducted with the aim to find out the level of independence of children with special needs in the YPAC Pangkalpinang SLB institution through the implementation of skills extracurricular activities. The purpose of this study was to determine the implementation of extracurricular skills and to determine the level of independence of children. The method used in this research is a qualitative descriptive approach with research data sources consisting of primary data sources and secondary data sources. Data collection techniques used are through observation, interviews, and documentation. SLB YPAC Pangkalpinang made several extracurricular activities including: making batik, cooking, putting on makeup, making handicrafts from used materials, and making wedding delivery baskets. Extracurricular activities carried out at SLB YPAC Pangkalpinang from SDLB to SMALB levels. The expectation from the school is that by providing this extracurricular activity, children with special needs in SLB YPAC Pangkalpinang will have the provision of skills after they graduate and can be independent by developing the skills they already have. 

scholarly journals Instagram: Alternatif Media dalam Pengembangan Maharah Al-Kitabah

2020 ◽  
Vol 8 (1) ◽  
pp. 77-90
Author(s):  
Noor Amalina Audina ◽  
Muassomah Muassomah
Keyword(s):  
Social Media ◽  
Data Analysis ◽  
Data Reduction ◽  
Positive Response ◽  
Data Presentation ◽  
Analysis Techniques ◽  
Internet Connection ◽  
The Social ◽  
Qualitative Descriptive ◽  
Descriptive Approach

This study aims to show that Instagram, which has only been popular for posting photos or videos, is very effective as a medium of al-Kitabah learning and can increase the ability of the students in al-Kitabah Maharah. In addition, it shows positive and negative responses of students to the use of Instagram as al kitabah maharah learning media. The study uses a qualitative descriptive approach and data and information were collected by using observation, interviews and documentation. Data analysis techniques used Miles and Huberman models, namely data reduction, data presentation and data verification. The results of this study indicate that Instagram is one of the social media that strongly supports and motivates students to create and innovate in writing without being limited to place and time. Based on the results of the questionnaire, it was obtained a very positive response from 21 students that all students agreed with the use of Instagram as a medium for learning al-Kitabah maharah. Students give positive responses because they are flexible, not limited in time, learning is more varied and students are more active and creative. As for the negative responses of students needing an internet connection, teachers do not control directly. Researchers hope that with this study, the teachers can use the Instagram application as a medium for learning Arabic, so students can wisely utilize social media.

scholarly journals Bahasa Slang Generasi Milenial sebagai Produk Kreativitas Linguistik pada Media Sosial Instagram

2021 ◽  
pp. 15-28
Author(s):  
Aldila Rahmita Putri ◽  
Ristu Wahyu Stiawan ◽  
Dian Risdiawati
Keyword(s):  
Social Media ◽  
Millennial Generation ◽  
Research Method ◽  
Secondary Data ◽  
Data Sources ◽  
Primary Sources ◽  
Descriptive Data ◽  
Data Presentation ◽  
Analysis Techniques ◽  
Secondary Data Sources

The millennial generation is a generation that is always side by side with technology. The existence of the millennial generation in social media has given birth to creative linguistic products in the form of slang. This study aims to describe (1) the use of slang on Instagram social media, (2) the development of slang language on Instagram social media, (3) the form of millennial generation creative linguistic products on Instagram social media. The research method used is descriptive qualitative. The data sources used are primary sources in the form of posts and comments from the millennial generation on Instagram social media and secondary data sources in the form of supporting literature. The data collection uses documentation techniques. This study uses descriptive data analysis techniques through four stages of analysis, namely data reduction, data presentation, conclusion drawing, and data verification. The results of this study indicate that slang is often used by the millennial generation in communicating on their social media. Slang has also continued to develop since the 1980's until now. Creative linguistic forms of millennial generation slang include normal words, reduction words, guardian words, abbreviations, and acronyms.

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