scholarly journals MENGUNGKAP KETIDAKADILAN DALAM PRAKTIK PEMBIAYAAN MUDHARABAH: STUDI FENOMENOLOGI

2016 ◽  
Vol 6 (1) ◽  
pp. 1
Author(s):  
Rachmania Tsabita ◽  
Iwan Triyuwono ◽  
M Achsin
Keyword(s):  
Qualitative Research ◽  
Research Method ◽  
Financial Institution ◽  
Transcendental Phenomenology ◽  
Secondary Data ◽  
Profit Sharing ◽  
Qualitative Research Method ◽  
Standard Contract

<p><strong>Abstract</strong></p><p>The objective of the research is to uncover the injustice in mudharabah financing practice. Qualitative research method with Husserl transcendental phenomenology approach is used to understand, analyze, and describe why the injustice happens. Primary and Secondary data are collected from interview with three credible persons from BMT Al-Rifa’i as mudharib and syariah Bank ”X” as shahibul maal. There are three phenomena noted, which are (1) only financial institution is eligible to be mudharib, (2) profit sharing is calculated based on expected yield ascertained in advance, and (3) loss sharing is burdened to mudharib only. It is concluded that the current phenomena of mudharabah financing practice has no difference with conventional financing in term of bank domination, which is indicated by (1) purely profit oriented financing, (2) expected yield is fixed in advance based on bank policy, and (3) standard contract which consider every mudharib has similar situation, condition and problem is implemented.</p><p><strong>Abstrak</strong></p><p>Penelitian ini bertujuan untuk mengungkap fenomena ketidakadilan dalam praktik pembiayaan mudharabah. Jenis penelitian ini adalah kualitatif dengan pendekatan fenomenologi transendental Husserl yang bertujuan untuk mengungkap fenomena ketidakadilan dalam pembiayaan mudharabah dan menganalisis serta mendiskripsikan penyebab terjadinya ketidakadilan tersebut. Penelitian ini menggunakan data primer dan sekunder dari BMT Al-Rifa’i sebagai mudharib serta Bank Syariah X selaku shahibul maal. Informan dalam penelitian ini berjumlah tiga orang yang telah diuji kredibilitasnya sebagai informan. Hasil penelitian ini mengungkapkan bahwa ketidakadilan dalam praktik pembiayaan mudharabah: (1) Hanya kepada mudharib yang berbentuk lembaga keuangan saja. (2) Angsuran tetap yang dihitung dari expected yield yang ditetapkan di awal kontrak. (3) Risiko usaha dibebankan sepihak kepada mudharib. Berdasarkan hasil penelitian tersebut, dapat dijelaskan bahwa, praktik pembiayaan mudharabah sejenis dengan kredit usaha pada bank konvensional. Kesamaan tersebut antara lain: (1) Bank dalam praktik pembiayaan mudharabah hanya berorientasi pada laba. (2) Penentuan tingkat keuntungan dalam kekuasaan bank. (3) Bank menerapkan standard contract atau akad baku yang menganggap semua mudharib memiliki situasi, kondisi dan problema yang sama.</p>

scholarly journals Strategi Perbankan Syariah Dalam Menghadapi Pembiayaan Dengan Akad Mudharabah Yang Bermasalah (Studi di Bri Syariah Pamekasan)

2018 ◽  
Vol 2 (1) ◽  
Author(s):  
Samsul Arifin
Keyword(s):  
Qualitative Research ◽  
Research Method ◽  
Profit Sharing ◽  
Natural Setting ◽  
Main Function ◽  
Qualitative Research Method ◽  
Productive Activities ◽  
Banking Strategy ◽  
Financing Problem ◽  
Descriptive Qualitative

   Islamic banking has a main function to distribute funds to the community in need in the form of financing. Financing is a large part of the assets of sharia banks that must be maintained in term of quality. Financing is one of the functions of sharia banks by distributing funds to the community in need (user of funds). One of the contracts used by sharia banks in distributing funds in the form of financing is mudharabah contract. The mudharabah contract is a profit-sharing agreement when the shohibul mall /rabbul mall provides capital (100 percent) to mudharib, to engage in productive activities in which the profit generated will be divided among them according to the agreement specified in the contract.This study is aimed to know and understand how the application of mudaraba contracts and banking strategies in overcoming a financing with mudaraba contracts that are problematic, and to know and understand whether the applied strategy is in accordance with the Fatwa (policies) of DSN MUI.The method used in this research is descriptive qualitative research method or naturalistic research because the research is done on natural condition (natural setting). This descriptive qualitative research method is used to get in-depth data, a data that contains meaning.The findings of the research done in BRI Syariah Pamekasan in facing the financing problems with the mudharabah contract, found two problems. First, the problem arising from the internal banking itself, this problem occurs when BRI Syraiah employees do not run the SOP (procedures) that has been set. Second problem is the external factor of banking. This problem occurs because mudharib/ fund manager has moral hazard. For example, by not using the funds for productive business but used for consumptive costs.Efforts done by BRI Syariah Pamekasan dealing with mudharabah financing problem is by using two approaches. First, the pre-customer approach. This approach focuses on selecting prospective customers both in terms of behavior/ character and business run. Second, the post-customer approach. This approach is carried out when the financing has been distributed to customers and experiencing non-performing financing. This is done by monitoring and restructuring Keywords: Financing, mudharabah contract, banking strategy.

scholarly journals SiBakul Jogja Free Shipping: Empowerment to Turn on the Economy of Yogyakarta’s MSMEs in Pandemic Era

2020 ◽  
pp. 385
Author(s):  
Nur Faidati ◽  
Muhammad Khozin ◽  
Gerry Katon Mahendra
Keyword(s):  
Qualitative Research ◽  
Research Method ◽  
Secondary Data ◽  
Real Problem ◽  
Qualitative Research Method ◽  
Turn On ◽  
Interview Technique ◽  
Free Shipping ◽  
The Government ◽  
Data Tracking

This study focuses on the efforts made by the government to make MSMEs survive and their products accessible to consumers in this pandemic era. The real problem for MSMEs in this pandemic era is rebuilding a sluggish economy due to a number of policies that require people to be at home to reduce the spread of the Covid-19. The research method used in this research is descriptive exploratory qualitative research method. This study uses a desk study and interview technique. Desk studies are carried out through secondary data tracking. Interviews were conducted with regional apparatus organizations (OPD) which handle MSMEs and MSMEs’ actor. From the research conducted, it is known that SiBakul Jogja Free Shipping is enough to be the answer to reviving the economy for MSMEs who are still struggling through the Covid-19 pandemic to get their market back, without visiting consumers or making conventional transactions.

scholarly journals FAST Generation to Achive SDGs Post Pandemic

Khazanah ◽  
2020 ◽  
Vol 12 (2) ◽  
Author(s):  
Dian Pratama ◽  
◽  
Wulan Ruhiyyih Khanum ◽  
Keyword(s):  
Qualitative Research ◽  
Character Education ◽  
Education System ◽  
Research Method ◽  
Secondary Data ◽  
Phenomenological Approach ◽  
Research Process ◽  
Qualitative Research Method ◽  
The World

The Covid-19 pandemic has impacted all aspects of life. One of the things that has been affected is the achievement of the SDGs which has been hampered by this pandemic. The condition that has been deteriorated due to the pandemic should not be used as an excuse to achieve the SDGs, in this case the role of youth is very important to achieve SDGs, especially in the post-pandemic period. The method used in this research is a qualitative research method with a phenomenological approach. The data used are primary and secondary data that have been collected, processed, made conclusions, and then interpreted. This study aims to design a character education system for the younger generation in their role in achieving the SDGs. The results of the interpretation of data that have been collected and then processed in the research process, make a proposal for "FAST Generation". These concepts are some of the main characteristics that youth must have in their role in achieving the SDGs in the post-COVID-19 pandemic. FAST Generation is a character that must be possessed by youth in achieving the SDGs. Youth with character will make the world safer, more prosperous, and more focused, so that the achievement of the goals contained in the SDGs will be easier.

scholarly journals China's Digital Silk Road: The Loss for Indonesia

2021 ◽  
Vol 4 (1) ◽  
pp. 35-50
Author(s):  
Nanda Blestri Jasuma ◽  
Arie Kusuma Paksi
Keyword(s):  
Qualitative Research ◽  
Literature Review ◽  
Research Method ◽  
Secondary Data ◽  
Economic Benefits ◽  
Silk Road ◽  
The Other ◽  
Partner Country ◽  
Qualitative Research Method ◽  
Digital Era

One of China’s great projects in the current digital era, namely the Digital Silk Road (DSR) project, merits an examination from a Gramscian lens. While liberals are talking about how this project can beneficially the partner’s country, Gramsci’s thought can provide the other perspective in understanding how this project can give unexpected costs for the partner country. As the biggest market in Southeast Asia’s country, Indonesia is worth the attention related to this issue as this country has become one of the strategic partners of China’s DSR. However, DSR is offering both economic benefits and multi-faceted costs simultaneously for Indonesia. Hence, this study argues that the DSR project, in Gramsci lens, is giving a push for China to spread its hegemony and take over the domination in the Indonesian economy. This study is supported by the qualitative research method with the data is collected through secondary data and literature review.

scholarly journals Kepentingan Amerika Serikat dalam Proses Denuklirisasi Korea Utara

2020 ◽  
Author(s):  
Javira Ardiani ◽  
Bima Jon Nanda
Keyword(s):  
United States ◽  
Qualitative Research ◽  
South Korea ◽  
Research Method ◽  
East Asian ◽  
Secondary Data ◽  
The United States ◽  
World Peace ◽  
Asian Countries ◽  
Qualitative Research Method

The United States is a country that seeks to realize denuclearization in KoreanPeninsula. Though the United States is not a party that will be directly threatenedbecause the United States have more stronger nuclear capability than NorthKorea’s nuclear. This study aims to describe the interests of the United States as aStatus Quo State in the process of denuclearization of North Korea. The conceptualframework used by this study is Randall L. Schweller's Range of State Interestconcept. This research uses a qualitative research method with descriptiveanalytical research that uses secondary data. Based on the concept of Range ofState Interest, this research found that the United States as a 'Lion' country has aninterest in maximizing security which includes maintaining its identity as a nuclearpossession country, maintaining trade with East Asian countries, and improvinggovernmental functions. Whereas in maintaining its position, the United States hasan interest in maintaining its alliance with South Korea and Japan, maintainingprestige for world peace, and realizing CVID (Complete, Verifiable, andIrreversible Dismantlement) or full denuclearization.

scholarly journals Kepemimpinan Kepala Desa dalam Pembangunan Bidang Infrastruktur di Desa Pantai Kecamatan Kapuas Barat

2019 ◽  
Vol 19 (1) ◽  
pp. 89-96
Author(s):  
Fitriani Fitriani ◽  
Mita Sari ◽  
Putri Irianti Sintaman
Keyword(s):  
Qualitative Research ◽  
Direct Observation ◽  
Research Method ◽  
Secondary Data ◽  
Data Sources ◽  
Primary Data ◽  
Qualitative Research Method ◽  
Rural Infrastructure ◽  
Descriptive Approach ◽  
The Village

The village chief as the leader who is directly elected by the villagers and it is believed and also claimed to have good leadership for the development of rural infrastructure as well as to invite the community to participate in the advancement of the village. An organization will succeed or fail is determined by the leadership. This study raises the issue: (1) How is the leadership of the village chief in the construction of infrastructure in the coastal village? (2) What are the factors that affect the leadership of the village chief in the construction of infrastructure in the coastal village? The method used is a qualitative research method with a descriptive approach. The data used is primary data (observations and interviews) and secondary data (literature). The primary data sources are direct observation, interviews and recording the data in the seaside village office. Then, it is analyzed with related theories. The conclusion of this research was the leadership of the village chief in developing of infrastructure field in Pantai village, west Kapuas subdistrict, Kapuas district. It is known by the head chief�s way to.

scholarly journals THE TALIBAN & AFGHANISTAN: CONFLICT & PEACE IN INTERNATIONAL LAW PERSPECTIVE

2021 ◽  
Vol 5 (2) ◽  
pp. 306
Author(s):  
Ma'ruf Amini ◽  
Devina Arifani
Keyword(s):  
Qualitative Research ◽  
International Law ◽  
Research Method ◽  
Secondary Data ◽  
Primary Data ◽  
The Political ◽  
Natural Setting ◽  
Natural Conditions ◽  
Qualitative Research Method ◽  
Political Situation

This study aims to determine the political situation in Afghanistan which is now occupied by the Taliban. This qualitative research method is often called "naturalistic research method" because the research is carried out in natural conditions (natural setting). In this study, researchers used two kinds of data, namely primary data and secondary data. To determine the validity of the data, an inspection technique is needed. The implementation of the inspection technique is based on a number of certain criteria. There are four criteria used, namely the degree of trust (credibility), transferability, dependence (dependability), and certainty. The conclusions of this study are; 1) The Taliban insists that it is committed to peace talks with the Afghan government. The implementation of the original Islamic system will be something they strive for. 2) The Taliban is committed to accommodating all the rights of citizens, whether male or female, based on the noble religious rules of Islam and the noble traditions of Afghan society. The Taliban will allow women to carry out public roles. 3) Advancing a better Afghanistan.

scholarly journals THE POSITION OF DAUGHTERS IN THE DISTRIBUTION OF INHERITANCE IN BATAK TOBA AND MINANGKABAU COMMUNITIES

2018 ◽  
Vol 1 (1) ◽  
pp. 378-386
Author(s):  
Yessy Octavianna ◽  
Nenni Triana Sinaga
Keyword(s):  
Qualitative Research ◽  
Research Method ◽  
Family System ◽  
Secondary Data ◽  
Primary Data ◽  
Literature Study ◽  
Qualitative Research Method ◽  
Know How ◽  
Kinship System ◽  
Research Show

The purpose of this research is to know how the distribution of inheritance and the position of daughters in the distribution of inheritance in Batak Toba and Minangkabau communities. This research uses descriptive qualitative research method. The data of this research consist of primary data and secondary data. Primary data was taken from the interview result of researcher with informant from both tribes, while secondary data was taken through literature study from journals, books and literature related to the problem under study. The results of this research show that in the Batak Toba community, daughters do not get a share of inheritance. The kinship system of the Batak Toba community embraces the patrilineal system, in which the lineage is withdrawn from the father's clan so that the inheritance belongs only to the sons. All heritages can only be passed on to the sons. But daughters can get the inheritance that is called holong ate. Holong ate is only given to married girls. The wealth gift is considered a gift of a father to his daughter. While in the Minangkabau community that embraces the matrilineal family system, where the familial system is withdrawn from the mother line, the heritage treasures are only given to daughters. Sons do not have high treasures and the low treasure (search treasure) is given to children and wives.

scholarly journals Fenomena Bergabungnya Anak Muda Jakarta Ke Dalam Organisasi Sinergi Muda Secara Suka Rela

2018 ◽  
Vol 11 (2) ◽  
pp. 99
Author(s):  
Gracia Rachmi Adiarsi ◽  
Helen Silsa
Keyword(s):  
Qualitative Research ◽  
Young People ◽  
Research Method ◽  
Secondary Data ◽  
Primary Data ◽  
Qualitative Research Method ◽  
Related Data ◽  
Self Recognition

Bergabung ke dalam organisasi sebagai seorang relawan menjadi fenomena unik di kalangan anak muda, mengingat, seorang relawan harus rela untuk mengorbankan materi serta energinya demi kepentingan organisasi. Penelitian ini bertujuan untuk mengungkap alasan dari ketertarikan anak muda untuk bergabung sebagai relawan di organisasi Sinergi Muda. Teori yang digunakan ialah Theory of Needs dari David McClelland dan konsep sharing. Metode yang digunakan adalah metode penelitian kualitatif dengan menggunakan empat narasumber untuk memperoleh data primer dan data-data terkait untuk memperoleh data sekunder. Hasil penelitian menggambarkan bahwa anak muda yang bergabung sebagai relawan di organisasi Sinergi Muda bermotif kebutuhan akan pengakuan diri yang diperoleh melalui aktivitas sharing di media sosial.Kata kunci:  organisasi, relawan, pengakuan diri, sharingJoining into the organization as a volunteer becomes a unique phenomenon among young people, remembering, a volunteer must be willing to sacrifice his material and energy for the sake of the organization. This study aims to reveal the reasons for the interest of young people to join as volunteers at the Sinergi Muda organization. The theory used is David McClelland's Theory of Needs and the concept of sharing. The method used is a qualitative research method by interviewing four informants to obtain primary data and related data to obtain secondary data. The result shows that young people who join as volunteers in the Sinergi Muda organization are motivated by the need for self-recognition obtained through sharing activities on social media.Keywords: Organization, volunteer, self recognition, sharing 

scholarly journals Efektifitas Pelayanan Penjualan Tiket Penyeberangan Dari Bangsal Menuju Tiga Gili

2019 ◽  
Vol 6 (2) ◽  
pp. 93
Author(s):  
Mardiah Mardiah ◽  
Baiq Rienelda ◽  
Emi Juniati
Keyword(s):  
Qualitative Research ◽  
Data Collection ◽  
Public Service ◽  
Research Method ◽  
Secondary Data ◽  
Primary Data ◽  
Qualitative Research Method ◽  
Ticket Sales ◽  
Interview Techniques ◽  
Inhibiting Factors

This study aims to determine the effectiveness of crossing ticket sales services from Bangsal to three Gili and to find out what factors hinder the service from Bangsal to the three Gilis. The problems in this study are (a) how the effectiveness of crossing ticket sales services from Ward to three Gilis and (b) any factors that hinder the service of ticket sales attacks from Bangsal to three Gili. The method used in this study is a qualitative research method with observation techniques, interview techniques and documentation techniques. Data in this study were obtained from primary data, namely data obtained directly from the object of research and secondary data, namely data obtained indirectly. Data collection through these two sources to obtain data on effectiveness and service inhibiting factors. The results of this study can be concluded that the effectiveness of crossing ticket sales service from Ward to three Gilis has been said to be quite effective as seen from public service supporting indicators, namely reliability, tangibles, responsiveness and assurance.

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