scholarly journals DETERMINAN MARGIN KEUNTUNGAN PRODUK PEMBIAYAAN MURABAHAH

El Dinar ◽  
2018 ◽  
Vol 6 (2) ◽  
pp. 112
Author(s):  
Fachri Maulida Rabbani ◽  
Nawirah Nawirah Nawirah
Keyword(s):  
Operating Procedure ◽  
Qualitative Method ◽  
Standard Operating Procedure ◽  
Profit Margin ◽  
Administration Cost ◽  
Determination Process ◽  
Depth Interview ◽  
Standard Operating ◽  
Trade Financing

<em>Murabahah financing product at PT. Pegadaian Syariah branch Landungsari Malang, Murabahah Logam Mulia untuk Investasi Abadi (MULIA) is defined as a gold trade financing in a cash or credit in accordance with Sharia laws. This research aims at exploring the determination process of profit margin and the implementation of Standard Operating Procedure in the practice of murabahah financing at PT. Pegadaian Syariah  branch of Landungsari Malang. This study uses qualitative method with two approaches. First, the researcher conducted an observation and in-depth interview to Strategi Bisnis Unit (SBU) assistant manager. The result of this study confirms that researcher get total of profit margin Rp. 85.414 in which there is administration cost Rp. 50.000, sales margin 2,5% Rp. 15.725, and installment margin 3,94% namely Rp. 24.783. Researcher get discount margin Rp. 5.094 that’s means net installment margin is Rp. 19.689. The determination of profit margin for murabahah financing has considered the terms of sharia laws by using consensus principle which is mentioned in Quran surah An Nisa verse 29. This verse explains that any transaction should not bother customers. With this basis, therefore, the practice of murabahah financing has been compatible with the regulations written on Standard Operating Procedure of the firm.</em>

scholarly journals STANDARD OPERATING PROCEDURE (SOP) PENERIMAAN TAMU (Studi Kasus Politeknik Negeri Bengkalis)

2019 ◽  
Vol 6 (2) ◽  
pp. 183
Author(s):  
M Hamidi ◽  
Wan Junita Raflah
Keyword(s):  
Data Collection ◽  
Operating Procedure ◽  
Qualitative Method ◽  
Standard Operating Procedure ◽  
Standard Operating ◽  
Descriptive Qualitative

This research aims to design and create a Standard Operating Procedure SOP or reception at checkpoints guards of State Polytechnic. The method used is descriptive qualitative, method of data collection in the form of observation, the study of the literature and interviews. The results of this research is the SOP or Standard Operating Procedure reception at State Polytechnic Bengkalis which can be used by default.  SOP type created is formats technical an form of format combinations.

scholarly journals PHARMACEUTICAL PREPARATION AND DETERMINATION OF QUALITY STANDARDS OF SARASWATARISHTA: A HERBO-MINERAL ALCOHOLIC FORMULATION

2020 ◽  
Vol 11 (5) ◽  
pp. 88-93
Author(s):  
Aishwarya Krishna Koyande ◽  
Swati Shankar Gadgil
Keyword(s):  
Operating Procedure ◽  
Pharmaceutical Preparation ◽  
Standard Operating Procedure ◽  
Herbal Drugs ◽  
Normal Limits ◽  
Physico Chemical ◽  
Icp Ms ◽  
Standard Operating

Saraswatarishta is a herbo-mineral hydro alcoholic formulation prescribed for various memory and sleep related disorders as well as a brain tonic. It is a unique formulation where the presence of swarna during the fermentation process may be responsible to manifold the action of remaining herbal drugs. Though the formulation is prescribed widely and available in the market with different varieties, there is a lack of documentation regarding the standard operating procedure and quality of the product. In the present study, Saraswatarishta and Swarna Saraswatarishta were prepared following standard operating procedure. Both the formulations were subjected to physico-chemical tests and values were found within the normal limits of arishta preparation from Ayurvedic Pharmacopeia of India. The sample of Swarna Saraswatarishta was analysed to check the presence of swarna using the ICP-MS technique. It was found below the level of quantification which interprets the absence of swarna in the formulation. This is the first and foremost report regarding the presence of Swarna in Swarna Saraswatarishta.

scholarly journals PENERAPAN KEBIJAKAN DAERAH TENTANGKEGIATAN JUAL-BELI MAKANAN/MINUMAN DI BULAN RAMADHAN DI KOTA AMUNTAI KABUPATEN HULU SUNGAIUTARA

2021 ◽  
Vol 4 (1) ◽  
pp. 1-13
Author(s):  
Akhmad Riduan
Keyword(s):  
Operating Procedure ◽  
Cultural Change ◽  
Civil Service ◽  
Standard Operating Procedure ◽  
The Road ◽  
Muslim Countries ◽  
Market Location ◽  
Standard Operating ◽  
Nahdlatul Ulama

As a socio-cultural product of Banjar society, Ramadhan seasonal market, which coincided with the month of Ramadhan is a socio-cultural phenomena that reflects the religiosity of society, especially in Amuntai, Hulu Sungai Utara. Along with the globalization influencing Muslim countries, it’s reflecting the cultural change in society of Amuntai, known as Bertakwa City which is the cultural basis of social organization Nahdlatul Ulama and Muhammadiyah. Here, Regulation of Hulu Sungai Utara District No. 32 Year 2013 on the Prevention and Prohibition of Staining Activities in the sacred month of Ramadhan was made to ensure peace and order during the month of Ramadhan.In implementation, it’s constrained by low awareness of the traders / buyers as a target group in addition to the lack of enforcement of sanctions explicitly and the absence of a Standard Operating Procedure (SOP) that also affect the level of performance of the Civil Service Police Unit. In addition, limited land for Ramadan Market location in Jalan Basuki Rahmat resulted in the closure of the road and not the concentration of the traders of food / drinks.To improve the effectiveness of the implementation, it should be carried out intensive monitoring and integrated by forces civil service police unit especially with respect to hours of selling food / drinks during the day in Ramadan seasonal market and in other similar locations, the settings related to the traders cake / small snacks in the market daily / weekly complemented by the determination of the location of Ramadan more representative markets in the coming years by the authorities. In the meantime, it takes continuous socialization coupled with enforcement of sanctions explicitly that all of the stages refers to a set of Standard Operating Procedure (SOP).

Problematika Dan Solusi Pada Pengadaan Tanah Jalur Kereta Api Bandara Yogyakarta Internasional Airport

Tunas Agraria ◽  
2021 ◽  
Vol 4 (1) ◽  
pp. 40-53
Author(s):  
Deo Enggartiasto ◽  
Setiowati Setiowati ◽  
Rochmat Martanto
Keyword(s):  
Operating Procedure ◽  
Qualitative Method ◽  
Standard Operating Procedure ◽  
Land Acquisition ◽  
The Public ◽  
International Airport ◽  
Standard Operating ◽  
Descriptive Approach ◽  
Verification Process ◽  
The Right

The Yogyakarta International Airport Railway Project provides easier access for the public. The implementation of land acquisition for the YIA Airport Railroad has experienced obstacles, namely the length of time providing compensation to people who are entitled to LMAN financing. In addition, there is a problem with the proof of the right to compensation for the land parcels of the 2019 PTSL participants whose certificates were issued after the IPL. This study uses a qualitative method with a descriptive approach, data comes from several parties who are considered important and are directly involved in the land acquisition process. The results showed that the process of paying compensation through LMAN was considered quite long by the community. This is due to the existence of a review and verification process according to separate standard operating procedure outside of Law Number 2 of 2012. Regarding these problems, it is important that land acquisition regulations with LMAN funding be issued. In addition, the delivery of information related to land acquisition to the community is the most important part for the community to cooperate. Proyek Jalur Kereta Api Bandara Yogyakarta International Airport memberikan akses yang lebih mudah bagi masyarakat. Pelaksanaan pengadaan tanah Jalur Kereta Api Bandara YIA mengalami kendala yaitu lamanya pemberian uang ganti rugi terhadap masyarakat yang berhak pada pembiayaan LMAN. Selain itu terdapat permasalahan alas bukti hak untuk ganti rugi pada bidang tanah peserta PTSL 2019 yang sertipikatnya keluar setelah IPL. Penelitian ini menggunakan metode kualitatif dengan pendekatan deskriptif, data berasal dari beberapa pihak yang dianggap penting dan terlibat langsung pada proses pengadaan tanah. Hasil penelitian menunjukkan proses pembayaran uang ganti rugi melalui LMAN dianggap cukup lama oleh masyarakat. Hal ini disebabkan adanya proses review dan verifikasi sesuai SOP tersendiri di luar Undang- Undang Nomor 2 Tahun 2012. Terhadap permasalahan tersebut, penting kiranya diterbitkan peraturan pengadaan tanah dengan pendanaan LMAN. Selain itu penyampaian informasi terkait pengadaan tanah kepada masyarakat menjadi bagian terpenting agar masyarakat kooperatif.Kata Kunci:  Pengadaan Tanah, LMAN, Review, Verifikasi. 

IMPLEMENTASI SISTEM PENGENDALIAN INTERNAL PADA PERUSAHAAN JASA

2019 ◽  
Vol 2 (2) ◽  
pp. 110
Author(s):  
Wahyu Wahyu Wahyu ◽  
Marliyati Marliyati Marliyati ◽  
I. Nyoman Romangsi
Keyword(s):  
Risk Assessment ◽  
Operating Procedure ◽  
Internal Control ◽  
Standard Operating Procedure ◽  
Control Environment ◽  
Service Company ◽  
Standard Operating ◽  
Information And Communication

The aim of this article is to analyze internal control in service company. The analyze used the components of internal control according to COSO: control environment, risk assessment, control activities, information and communication, monitoring. Analysis of internal control used the data obtained through observation, questionnaires, interview, and documentary. Based on this analysis results can be concluded, that the dual positions refer with company SOP (Standard Operating Procedure). Separation of task does not work because that the dual positions. Therefore, the component of control activities applied at company is not in accordance with the component of control activities according to COSO. Nonconformity components still results in very effective internal control because the purpose of the internal control still remains to be achieved even though there are components that are not in accordance with the internal control components according to COSO.

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