Kesesuaian Produk Gadai Emas Berdasarkan Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) di Bank Syariah Mandiri Surabaya

2015 ◽  
Vol 2 (12) ◽  
pp. 1019
Author(s):  
Anggia Jancynthia Nurizki Wardhani ◽  
Sunan Fanani
Keyword(s):  
Qualitative Approach ◽  
Study Strategy ◽  
Bank Branch ◽  
Point Number ◽  
Branch Office ◽  
The Cost ◽  
And Storage

This study aims to determine the conformity of contract rahn based Fatwa DSN-MUI at Sharia Mandiri Bank Branch Office Dharmahusada Surabaya. Contract rahn at Sharia Mandiri Bank only be used for products BSM Gold Pawn. The method used is a qualitative approach using case study strategy. The research object is the Sharia Mandiri Bank.Results of this research based on five domains from the mechanism of implementation contract Rahn in Sharia Mandiri Bank Branch Office Dharmahusada Surabaya with Fatwa DSN-MUI. From these domains, there are four domains that have conformity with Fatwa DSNMUI, that was marhun utilization domain, maintenance and storage marhun, sale / auction marhun as well as the cost of Ijarah contract. While in the charge domain on marhun against the costs Ijarah in Sharia Bank Mandiri KCP Dharmahusada don’t have conformity based on Fatwa DSN No.25 / DSN-MUI / III / 2002 the second point number four.

scholarly journals PENERAPAN AKUNTABILITAS ANGGARAN UNTUK PENGUKURAN EFISIENSI DAN EFEKTIVITAS RENCANA ANGGARAN BIAYA (Studi Kasus pada PT. PELINDO Kantor Cabang Pulau Baii Bengkulu)

2015 ◽  
Vol 2 (2) ◽  
Author(s):  
Asa'd
Keyword(s):  
Cost Control ◽  
Qualitative Approach ◽  
The Other ◽  
Analysis Method ◽  
Budget Management ◽  
Sea Transportation ◽  
Branch Office ◽  
The Cost ◽  
Internal Supervision

Asa’d; PT Pelindo constitute of BUMN that have a range in sea transportation field. As well as the other company in Indonesia that have a range in transportation, the rise of BBM price can make an impact for PT Pelindo, which caused BBM price component rise until 46,12% from the price total of shipping. Therefore, company try to increase the effeciency in every each of aspect, also increasing internal supervision to manage cost side with tight. Accountability application can encourage the company to achieve the purpose through cost control. Based from the background, the purpose of this observation is make a research about accountability application in reach of cost control. This observation use qualitative approach. This observation also literature and interview with financial staff from PT Pelindo Pulau Baii Branch Office Bengkulu to get the Data. The analysis method from the observation is comparing accountability application and cost control that obtainable from case study. Based on the result of PT Pelindo Pulau Baii Branch office Bengkulu, the company not yet to apply a good accountability, it is knew from presence some requirements and characterization which not yet to filled. The company also not yet to run the cost control in good way, this can see from the analysis presence against of cost digression which not implemented. Budget management in PT Pelindo Pulai Baii Branch office Bengkulu is adequate in effective and efficient. Key words: Accountability Budget, Effectiveness and Effeciency.

scholarly journals MANAJEMEN RISIKO PEMBIAYAAN MUSYARAKAH MUTANAQISAH DI BANK MUAMALAT INDONESIA KC MAS MANSYUR SURABAYA

2020 ◽  
Vol 6 (1) ◽  
pp. 188
Author(s):  
Gea Papurane Langi ◽  
Imron Mawardi
Keyword(s):  
Risk Management ◽  
Research Method ◽  
Market Risk ◽  
Qualitative Approach ◽  
Case Study Method ◽  
Islamic Bank ◽  
Data Collecting ◽  
Financing Risk ◽  
Branch Office

This research is done to see any risks that happened in Islamic bank, which can damage the bank. While it aims to find out the strategy used by Bank Muamalat Indonesia (BMI) to reduce the risk faced and often happened in the field. The research method uses a qualitative approach with a case study method. Data collecting was done by relating proposed questions and the conclusion made from the result of the interview with Branch Manager (BM), Relation Manager, and Remedial BMI of Branch Office of Mas Mansyur. The result of this research showed that BMI of Mas Mansyur Branch Office had done the process of risk management by identifying risk in the manner of finding out the existing risks which are financing risk; market risk; and ownership risk, measuring and monitoring the risks in the manner of doing measurement to find out and see any reason that causes those risks exist, and controlling and managing the existing risks in Musyarakah Mutanaqisah (MMQ) financing in the manner of ways that have already determined by BMI of Mas Mansyur Branch Office. The last is by monitoring the risks in MMQ financing at BMI of Mas Mansyur Branch Office.Keywords: Risk Management, Risk, Financing, Musyarakah Mutanaqisah, Bank Muamalat Indonesia

scholarly journals EFEKTIVITAS ZAKAT DALAM MENGURANGI KEMISKINAN DI JAWA TIMUR MENGGUNAKAN TEKNIK BASIC NEEEDS DEFICIENCY INDEX (BNDI)

2020 ◽  
Vol 6 (3) ◽  
pp. 568
Author(s):  
Arum Fatmawati ◽  
Raditya Sukmana
Keyword(s):  
Research Method ◽  
Total Population ◽  
Basic Needs ◽  
Poverty Line ◽  
Qualitative Approach ◽  
Deficiency Index ◽  
Study Strategy ◽  
Poverty And Inequality

This research aims to test the role of zakat to reduce poverty in the East Java period 2015-2017 by using the index that was recently developed, Basic Needs Deficiency Index. The research method used is qualitative approach with case study strategy. This research formulated BNDI index to measure the deficiency and effectiveness of zakat in resolving poverty. Data required is the total population that its income was below the poverty line in every city of East Java, and also total zakat, which was distributed by BAZNAS East Java in every city of East Java. The results obtained from the BNDI calculation have been able to explain the effectiveness of zakat for reducing poverty and inequality in East Java. The result of calculation, which was a high value or approaching value 1, explains that zakat that was distributed by BAZNAS East Java is not effective in reducing poverty in East Java. Furthermore, the result of this research shows that some cities had the highest BNDI and lowest BNDI as well. Hopefully, this result could be considered to use by the policymaker to improve the effectiveness of zakat in reducing poverty.Keywords: Zakat, Poverty, Basic Needs Deficiency Index (BNDI)

Designing Electronic Products to Withstand the Distribution Environment

1989 ◽  
Vol 111 (4) ◽  
pp. 294-298
Author(s):  
R. Peache ◽  
D. Privitera ◽  
J. Gasper ◽  
D. Heasty
Keyword(s):  
Mechanical Shock ◽  
Shock Testing ◽  
Design Cycle ◽  
Accepted Part ◽  
Shock Resistance ◽  
Product Modification ◽  
The Cost ◽  
And Storage ◽  
Sufficient Strength

During the past few years product mechanical shock fragility analysis has become an accepted part of the product design cycle at Wang Laboratories, Inc. This analysis is used to insure that the product has sufficient strength to work in the user environment without problem, and to survive the shipping environment from Wang to the customer without requiring excessively expensive shipping packaging. In some cases it is possible to make relatively inexpensive changes in the product which increase the mechanical shock resistance of that product. The cost of these changes is weighed against the cost of the amount of cushioning and related recurring costs needed in the shipping package to provide protection for the lower shock level the unmodified product is capable of withstanding. If the cost of product modification is lower than the cost of the increased package materials, freight and storage (increased cube), the modification is made to the product. A brief background of shock testing products is given, with particular attention to the use of ASTM D 3332. This process is presented as a specific case study on a recently developed CRT monitor.

scholarly journals PENGELOLAAN MODAL SOSIAL DALAM MENINGKATKAN KESEJAHTERAAN MASYARAKAT (STUDI KASUS BAITUL MAAL HIDAYATULLAH SURABAYA)

2020 ◽  
Vol 7 (5) ◽  
pp. 842
Author(s):  
Nur Halimah ◽  
Irham Zaki
Keyword(s):  
Social Capital ◽  
Data Collection ◽  
Direct Observation ◽  
Qualitative Approach ◽  
Study Strategy ◽  
Explanatory Analysis ◽  
Analysis Technique ◽  
Study Results

This study aimed to describe and analyze the role of social capital, as seen from the interrelation of networks, norms, and beliefs in improving the welfare of the community under the indicators of Maqashid Syariah. This study employed a qualitative approach with a case study strategy. Besides, this study has an analysis unit in the form of social capital and improvement of the welfare of the community who received scholarship assistance from Baitul Maal Hidayatullah of Surabaya. Also, data collection was carried out by interview and direct observation of the research object. The analysis technique utilized in this study was an explanatory analysis technique by explaining the results of interviews and direct observation. The study results reveal that social capital with norms, networks, and trust indicators play a role in improving the welfare of the community seen from the aspects of Maqashid Syariah.Keywords: Social capital, Welfare, and Maqashid Syariah

scholarly journals Penerapan Prinsip Akad Mudharabah Pada Investasi Syariah Hewan Ternak PT Ijadgrup Rahmat Semesta

2020 ◽  
Vol 6 (2) ◽  
pp. 254
Author(s):  
Mohammad Razan Mahrani ◽  
Muhammad Nafik Hadi Ryandono
Keyword(s):  
Data Collection ◽  
Qualitative Analysis ◽  
Pattern Matching ◽  
Qualitative Approach ◽  
Study Strategy ◽  
Analytical Technique ◽  
Analysis Technique ◽  
Matching Technique ◽  
Descriptive Qualitative

This study aims to determine the application of sharia principles contained in the investment of livestock conducted by PT Ijadgrup Rahmat Semesta in his company called Ijadfarm. The approach used is qualitative approach with case study strategy. Data collection is done by interviewing with related parties. Analytical technique that is done is source triangulation technique, pattern matching technique and descriptive qualitative analysis technique. The results of this study are the sharia principles applied by Ijadfarm in the investment of livestock in accordance with sharia principles established by DSN MUI.Keywords: Principles of Sharia Investment, Mudharabah, Sharia Husbandry, Fatwa DSN MUI

scholarly journals Nilai-Nilai Amanah Sebagai Strategi Fungsional Pada Rumah Makan Wong Solo Cabang Gresik

2015 ◽  
Vol 2 (5) ◽  
pp. 400
Author(s):  
Martha Ineke Noviandani ◽  
Dina Fitrisia Septiarini
Keyword(s):  
Data Collection ◽  
Production Process ◽  
Moral Values ◽  
Qualitative Approach ◽  
Study Strategy ◽  
Operational Strategy ◽  
Functional Strategy ◽  
Good Working ◽  
Analysis Technique

This research aims to know and analyze the moral values of the functional strategy in the Wong Solo restaurant of Gresik branch. The aspects of the moral values consist of responsibility, globalization, truth, good working and good services. The success standard of the moral values of the functional strategy can be seen from the achievement of the employment in doing the aspects above. The research is a qualitative approach with a case study strategy. Data collection is done by using interview and observation to the object of the research. An used analysis technique is descriptive-qualitative by narrating the result of the interview and observation to the object of research. The result of this research of Restaurant Wong Solo of Gresik Branch in developing the business has been able to do some moral values well. It can be seen from the responsibility of the employments. The success by doing the moral values can also be seen by good aspect. The company gives some facilities to the employments such as: financial, and healthy. In doing operational strategy, thecompany has operational standardization in the production process. All employments perform that standardization of the rule that is stated by the company.

scholarly journals Penerapan Manajemen Risiko Pembiayaan di BMT Maslahah, Cabang Pembantu Olean Situbondo

2019 ◽  
Vol 3 (2) ◽  
pp. 92-102
Author(s):  
Subaidi ◽  
Ikmalul Ihsan
Keyword(s):  
Risk Management ◽  
Data Collection ◽  
Profit Sharing ◽  
Qualitative Approach ◽  
Insurance Companies ◽  
Study Strategy

BMT Maslahah Sub-Branch Olean in Situbondo still faces several problems and risks in providing financing to customers, because the customer intentionally does not return the financing he has obtained, even though he was able to repay the loan. This study focuses on how the applications of risk management in the financing, the causes and the solutions in BMT Maslahah Sub-Branch Olean of Situbondo. This study uses a qualitative approach with a case study strategy. Data collection is done by connecting questions with data obtained from conclusions from the interview of several persons in BMT Maslahah Sub-Branch Olean in Situbondo. The results of the study indicate that the risk of loss is the high number of problematic financing, starting from the difficulties and even payment defaults from customers caused by the loss of the ability of customers to pay installments and profit sharing to them. The effort carried out by them in saving the problematic financing is by rescheduling, reconditioning, and restructuring. They also cooperate with insurance companies to cover the losses.

scholarly journals AKAD MURABAHAH DAN AKSES KEUANGAN BERBASIS MASJID DI SURABAYA

2020 ◽  
Vol 7 (9) ◽  
pp. 1695
Author(s):  
Moch. Ainul Yakin ◽  
Sunan Fanani
Keyword(s):  
Data Collection ◽  
Qualitative Approach ◽  
Islamic Finance ◽  
Study Strategy ◽  
Research Show

ABSTRAKPenelitian ini bertujuan untuk mengetahui implementasi pembiayaan akad murabahah pada program AKSI UMMAD (Akses Keuangan Syariah Untuk Masyarakat Mandiri Berbasis Masjid) di Masjid Al-Falah Surabaya. Metode yang digunakan dalam penelitian ini adalah pendekatan kualitatif dengan menggunakan strategi studi kasus di Masjid Al-Falah Surabaya. Pengumpulan data dilakukan dengan wawancara, dokumentasi, dan observasi. Teknik validasi yang digunakan adalah teknik triangulasi sumber dan triangulasi teknik. Penelitian ini berdasarkan peraturan Dewan Syariah Nasionanl Majelis Ulama Indonesia (DSN-MUI) No.o4/DSN-MUI/IV/2000 tentang Murabahah. Hasil penelitian yang telah dilakukan menunjukkan bahwa program AKSI UMMAD di Masjid Al-Falah Surabaya telah sesuai dengan Fatwa DSN-MUI No.04/DSN-MUI/IV/2000 tentang Murabahah.Kata kunci: Program AKSI UMMAD, Pembiayaan Akad Murabahah, Fatwa DSN-MUI, Masjid Al-Falah Surabaya ABSTRACTThis study aims to determine the implementation of the murabahah financing contract in the AKSI UMMAD (Access to Islamic Finance for Mosque-Based Independent Communities) program at Al-Falah Mosque in Surabaya. The method used in this research is a qualitative approach using a case study strategy at the Al-Falah Mosque in Surabaya. The data collection is carried out by interview, documentation, and observation. The validation techniques used are triangulation sources and triangulation techniques. This research is based on the regulation issued by the National Sharia Council Fatwa of Indonesian Council of Ulama (DSN-MUI) No.o4/DSN-MUI/IV/2000 concerning Murabahah. The results of this research show that the AKSI UMMAD program at Al-Falah Mosque in Surabaya is in accordance with DSN-MUI Fatwa No.04/DSN-MUI/IV/2000 on Murabahah.Keywords: AKSI UMMAD Program, Murabahah Contract, DSN-MUI Fatwa, Al-Falah Mosque Surabaya

scholarly journals Faktor Yang Berkontribusi Terhadap Jumlah Penerimaan Dana Zakat Pada Lembaga Zakat Di Kota Surabaya

2017 ◽  
Vol 3 (4) ◽  
pp. 295
Author(s):  
Farid Nugroho ◽  
Tika Widiastuti
Keyword(s):  
Direct Observation ◽  
Technological Factor ◽  
Qualitative Approach ◽  
Study Strategy ◽  
Collection Program

The aim of this study is to determine and analyze the contribution of technological factor, accessibility factor, credibility factor, and programs factor of zakat institutions to the zakat funds revenue received by zakat institutions in Surabaya. This study used a qualitative approach with case study strategy. Data collected through interviews with informants and direct observation to the object of the research. The result of this study is there are several factors that have important contribution to zakat revenue at zakat institution in Surabaya. The researcher found accessibility, credibility and zakat collection program during Ramadhan have important contribution to the revenue of zakat funds, while technology has not been widely used by muzakki to make payment of zakat.

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