scholarly journals TEKNIK MITIGASI RISIKO PEMBIAYAAN PEMILIKAN RUMAH (PPR) SYARIAH PADA DEVELOPER PROPERTI SYARIAH

2020 ◽  
Vol 6 (9) ◽  
pp. 1814
Author(s):  
Nur Sa’diyah ◽  
Noven Suprayogi
Keyword(s):  
Default Risk ◽  
Home Ownership ◽  
Risk Mitigation ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Primary Data ◽  
Descriptive Case Study ◽  
Financing Risk ◽  
Two Stages

The purpose of this study is to find out the technique of risk mitigation in home ownership financing (PPR) conducted by PT Indo Tata Graha. This study uses qualitative approach with descriptive case study strategy. The data in this study were obtained through primary data in the form of interviews and secondary data in the form of documentation. The results of this study indicate that the risk of home ownership financing (PPR) consists of risks of cancel, default risk, risk of miss manage and the risk of delays in the delivery of goods). To minimize the occurrence of losses and impacts due to risk, Sharia Property Developer has risk mitigation carried out which is divided into two stages, namely before the occurrence of risk and after the occurrence of risk.Keywords: house ownership financing (PPR), PT Indo Tata Graha, risk in house ownership financing, risk mitigation of sharia property developer

scholarly journals STRATEGI MANAJEMEN KAS PERUSAHAAN PROPERTI SYARIAH UNTUK MENJAGA KELANGSUNGAN USAHA

2020 ◽  
Vol 7 (3) ◽  
pp. 448
Author(s):  
Yeni Putri Lintang Sari ◽  
Noven Suprayogi
Keyword(s):  
Secondary Data ◽  
Qualitative Approach ◽  
Business Continuity ◽  
Primary Data ◽  
Cash Management ◽  
Study Strategy ◽  
Descriptive Case Study ◽  
Property Companies ◽  
Payment Schemes

The purpose of this study is to find out cash management carried out by sharia property companies. This study uses a qualitative approach with descriptive case study strategy. The data in this study were obtained through primary data in the form of interviews and secondary data in the form of documentation based on two informants from PT Emirate Nusantara and PT Indo Tata Graha, respectively. The results of this study indicate that PT Emirate Nusantara and PT Indo Tata Graha manage cash by arranging sales schemes and payment schemes to maintain cash availability, and the two companies diversify their business as an effort to maintain business continuity.Keywords: Cash management, Sharia Property, business continuity

scholarly journals IMPLEMENTASI KONSEP KEADILAN ISLAMI DALAM BISNIS PERSPEKTIF PEDAGANG PASAR SYARIAH AZ-ZAITUN I SURABAYA

2020 ◽  
Vol 7 (1) ◽  
pp. 21
Author(s):  
Dandi Setiabakti ◽  
R. Moh. Qudsi Fauzi
Keyword(s):  
Secondary Data ◽  
Qualitative Approach ◽  
Primary Data ◽  
Scientific Journals ◽  
Study Strategy ◽  
Descriptive Case Study ◽  
Purposive Sampling ◽  
Participatory Observation

The aim of this research was to describe the implementation of the concept of Islamicfairness in business by traders of the Az-Zaitun I Surabaya Sharia Market. This research uses qualitative approach with descriptive case study strategy. The primary data obtained using purposive sampling through interviews. Participatory observation also conducted to the traders. Secondary data is obtained from textbooks, scientific journals, and online articles that are relevant to this research. Then, triangulation conducted and analyzed to get the conclusion. The result of this study shows that the traders of the Az-Zaitun I Surabaya Sharia Market apply all of fair concept according to the three meanings of fairness, namely equal, proportional, and divine orientation. The conclusion is even though it doesn't have a market supervisor, The Az-Zaitun I Surabaya Sharia Market has applied the three meanings of Islamic fairness, namely equal, proportional, and divine orientation.Keywords: Islamic Fairness, Equal, Proportional, and Divine Orientation.

scholarly journals IMPLEMENTASI PROSEDUR PEMBERIAN PEMBIAYAAN PRODUKTIF DAN PENANGANAN PEMBIAYAAN BERMASALAH PADA BANK PEMBIAYAAN RAKYAT SYARIAH BHAKTI SUMEKAR DAN BANK PERKREDITAN RAKYAT JAWA TIMUR

2020 ◽  
Vol 7 (12) ◽  
pp. 2326
Author(s):  
Annisa Aulia Safitri ◽  
Nisful Laila
Keyword(s):  
Qualitative Method ◽  
Risk Mitigation ◽  
Secondary Data ◽  
Primary Data ◽  
Case Study Approach ◽  
Descriptive Case Study ◽  
Purposive Sampling ◽  
Study Approach ◽  
Descriptive Qualitative

ABSTRAKPenelitian ini bertujuan untuk mengetahui komparasi sistem dan prosedur yang diterapkan BPRS Bhakti Sumekar dan BPR JATIM pada pemberian pembiayaan produktif serta proses monitoring yang dilakukan sebagai upaya meminimalisir terjadinya pembiayaan bermasalah. Penelitian ini menggunakan metode kualitatif deskriptif dengan pendekatan studi kasus deskriptif. Pada penelitian digunakan data primer berupa hasil wawancara dengan pemilihan informan menggunakan teknik purposive sampling dan beberapa dokumen pendukung sebagai data sekunder. Penelitian ini menunjukkan bahwa BPRS Bhakti Sumekar dan BPR JATIM menerapkan strategi berupa analisa pembiayaan yang akurat dengan memperhatikan aspek 5C dan melakukan monitoring berupa pengawasan serta pelatihan untuk karyawan sebagai bentuk mitigasi risiko. Pembiayaan bermasalah yang dinilai masih potensial akan dilakukan proses 3R oleh komite penanganan pembiayaan, tetapi jika pembiayaan bermasalah dinilai tidak potensial maka akan dilakukan penjualan barang jaminan secara bersama atau melalui KPKNL.Kata Kunci: Analisa pembiayaan, monitoring, pembiayaan bermasalah, penanganan pembiayaan bermasalah. ABSTRACTThis study aims to determine the comparison of systems and procedures applied by the BPRS Bhakti Sumekar and BPR JATIM in providing productive financing to minimize the occurrence of non-performing financing, monitoring processes in productive financing, and strategies for handling non-performing financing. This research uses a descriptive qualitative method with a descriptive case study approach. The data in this study were obtained through interviews with 8 informants as primary data and several supporting documents as secondary data. The results of this study indicate that in the provision of productive financing, BPRS Bhakti Sumekar and BPR JATIM have implemented a strategy in the form of an accurate financing analysis that takes into aspects of 5C (character, capacity, capital, collateral and condition) and conducts monitoring in the form of supervision and provides periodic training for employees as a form of risk mitigation. Non-performing financing that has the potential to be restructured will be carried out a 3R (restructure / rescheduling / reconditioning) process by the committee that handles problem financing. Non-performing financing that does not have the potential to be restructured will be sold privately or through the KPKNL.Keywords: financing analysis, monitoring, non – performing financing, non-performing financing solutions

scholarly journals IMPLEMENTASI MANAJEMEN RISIKO UNDERWRITING PADA PT ASURANSI JASINDO SYARIAH

2020 ◽  
Vol 7 (5) ◽  
pp. 901
Author(s):  
Wahyu Rofikah ◽  
Dina Fitrisia Septiarini
Keyword(s):  
Risk Management ◽  
Secondary Data ◽  
Risk Identification ◽  
Primary Data ◽  
Management Process ◽  
Snowball Sampling ◽  
Descriptive Case Study ◽  
Risk Monitoring ◽  
Risk Management Process

This study purpose to how the risk management process in PT Asuransi Jasindo Syariah with a case study of vehicle insurance class of business. This research uses a qualitative approach with a descriptive case study strategic. The research data was obtained through primary data in the form of interviews and secondary data. The selection of informants in interviews through snowball sampling techniques and secondary data obtained from supporting data in the form of archives, reports and relevant document and literature reviews related to research. The results of this study indicate that PT Asuransi Jasindo Syariah has a significant role in the process of underwriting risk management, especially in vehicle insurance product, which have the highest loss ratio among other products. The underwriting risk management process carried out by PT Asuransi Jasindo Syariah is risk identification, risk measurement, risk monitoring, and risk control.Keywords: risk management, underwriting, syariah insurance

scholarly journals Penerapan Akad Ijarah Pada Produk Pembiayaan Pengurusan Porsi Haji Di KSPPS Kopena Pekalongan Ditinjau Dari Fatwa DSN-MUI

2019 ◽  
Vol 1 (2) ◽  
pp. 45-54
Author(s):  
Danis Amwalul Fikki
Keyword(s):  
Data Collection ◽  
Supervisory Board ◽  
Field Research ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Primary Data ◽  
Future Studies ◽  
Strict Control

Purpose- This study discusses the application of the Ijarah Agreement on Financing Products for the Management of Hajj Portions at KSPPS Kopena Pekalongan Judging from the DSN-MUI Fatwa. Methods- This research is a type of field research with a type of qualitative approach. The data used in this study are primary data obtained from interviews and secondary data obtained from research at KSPPS Kopena Pekalongan. Data were analyzed descriptively, namely data collected in the form of words, images and not numbers. The method of data collection by interviews, documents, and observations. Findings- The results of the study show that financing using the ijarah contract has followed the rules of the MUI DSN Fatwa. It can be stated that KSPPS Kopena Pekalongan has implemented the DSN-MUI Fatwa in each of its products and the Sharia Supervisory Board has always exercised strict control over the application of fatwas at the KSPPS Kopena Pekalongan Implications/limitations - This study is a case study and is only carried out in one agency so that future studies can expand the study area to increase generalization. Adapun hasil penelitian ini, bahwa pembiayaan ini menggunakan akad ijarah sesuai dengan yang diperintahkan dalam Fatwa DSN MUI. Hal ini sesuai dengan yang disampaikan oleh Dewan Pengawas Syariah KSPPS Kopena Pekalongan. Dari uraian di atas dapat disimpulkan bahwa KSPPS Kopena Pekalongan melaksanakan Fatwa DSN-MUI dalam setiap produknya dan Dewan Pengawas Syariah selalu melakukan kontrol yang ketat terhadap penerapan fatwa di KSPPS Kopena Pekalongan.

scholarly journals Implementation of School Based Management in Elementary School 2 Penujak District Praya Barat, Central Lombok Regency

2020 ◽  
Vol 7 (6) ◽  
pp. 54
Author(s):  
Lalu Muhammad Khairi Asmuni ◽  
Sudirman Sudirman ◽  
Fahruddin Fahruddin
Keyword(s):  
Elementary School ◽  
Data Collection ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Primary Data ◽  
Administrative Staff ◽  
School Based ◽  
Management Processes ◽  
School Based Management

This study aims to determine the implementation of School Based Management (SBM) in the field of curriculum and learning, students, and educators and education staff at elemnetary school 2 Penujak, Praya Barat District, Central Lombok Regency. Research uses a qualitative approach using a case study. The type of data of this research are primary data and secondary data. The primary data material in this study was in the form of interviews with the principal, teachers and administrative staff. The secondary data material in this study is data on the state of elementary school 2 Penujak, organizational structure, human resources and so on. Data collection techniques in this study are: (1) interviews, (2) observations and, (3) documentation studies. Various data collection techniques (triangulation), and carried out continuously until the data is saturated. Checking the validity of the data in qualitative research includes four techniques, namely credibility, transferability, dependability, and confirmability. The results showed that the implementation of School-Based Management in SD Negeri 2 Penujak was carried out through 4 management processes, namely planning, organizing, implementing, and monitoring as well as in accordance with the essence of School-Based Management (SBM) namely autonomy, flexibility, participation, transparency and accountability

IMPLEMENTASI PEMBIAYAAN AL-QARDH WAL IJARAH (Studi Kasus di BMT Nurul Ummah Ngasem Jawa Timur) / The Implementation of Al-Qardh Wal Ijarah Financing (Case Study at BMT Nurul Ummah Ngasem East Java)

2020 ◽  
Vol 4 (1) ◽  
pp. 71-96
Author(s):  
Nurul Aini ◽  
Moch. Zaenal Azis Muchtarom ◽  
Moch. Agus Sifa’
Keyword(s):  
Personal Selling ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Primary Data ◽  
Good Image ◽  
Social Mission ◽  
Promotion System ◽  
The Social ◽  
Standard Operating

Penelitian ini dilatarbelakangi Pembiayaan Al-Qardh Wal Ijarah. Al qardh wal ijarah merupakan salah satu produk yang didalamnya terkandung misi sosial. Adanya misi sosial kemasyarakatan ini akan meningkatkan citra baik dan meningkatkan loyalitas masyarakat terhadap BMT. Pembiayaan Al-Qardh Wal Ijarah ini disamping memberi bantuan untuk modal usaha dapat juga diberikan kepada anggota yang memerlukan dana bukan untuk usaha melainkan untuk kegiatan biaya anak sekolah, membangun rumah, dan kebutuhan lainnya sesuai dengan kegiatan anggota. Jenis penelitian ini adalah peneliti menggunakan pendekatan kualitatif dengan metode deskriptif. Data yang didapatkan adalah data primer yang langsung diperoleh dari BMT Nurul Ummah Ngasem Jawa Timur tentang pembiayaan al-qardh wal ijarah dan dari data sekunder yang merupakan data olahan yang sumbernya dapat dipercaya dan dipertanggungjawabkan secara ilmiah dengan menggunakan studi pustaka, interview, internet, dan lain-lain. Hasil penelitian dalam Peneliti ini adalah BMT Nurul Ummah Ngasem Jawa Timur sudah memiliki standar operasional prosedur penerapan dengan baik sesuai dengan prinsip analisis pembiayaan dan yang sering mengajukan pembiayaan al-qardh wal ijarah adalah anggota yang memiliki usaha yan bertujuan untuk mengembangkan usahanya. Dan sistem yang digunakan oleh BMT Nurul Ummah Ngasem Jawa Timur yaitu menggunakan sistem promosi personal selling (penjualan pribadi) yang dilakukan oleh santri BMT Nurul Ummah Ngasem Jawa Timur kepada anggota yang memiliki usaha. Kata Kunci: Pembiayaan, Qardh, Ijarah dan BMT. Abstract:            This research is motivated by Al-Qardh Wal Ijarah Financing. Al qardh wal ijarah is one of the products contained in social mission. The existence of the social mission will improve the good image and increase public loyalty to the BMT. Al-Qardh Wal Ijarah's financing aside from providing assistance for business capital can also be given to members who need funds not for business but for the activities of schoolchildren's costs, building houses, and other needs in accordance with the member's activitiesThis type of research is researchers using a qualitative approach with descriptive methods. he data obtained are primary data directly obtained from BMT Nurul Ummah Ngasem East Java about al-qardh wal ijarah financing and from secondary data which is processed data whose sources can be trusted and scientifically accounted for using literature studies, interviews, internet, etc. -other. The results of this study in this Researcher is that the BMT Nurul Ummah Ngasem East Java already has standard operating procedures for implementing them in accordance with the principles of financing analysis and who often propose financing al-qardh wal ijarah are members who have businesses that aim to develop their businesses. And the system used by BMT Nurul Ummah Ngasem East Java is to use a personal selling promotion system conducted by students of BMT Nurul Ummah Ngasem East Java to members who have businesses.

Analisis Faktor-Faktor Penyebab Fraud Pada Badan Usaha Milik Daerah

2016 ◽  
Vol 3 (2) ◽  
pp. 97-119
Author(s):  
Muhamad Erfin Fatoni ◽  
Abdul Halim
Keyword(s):  
Human Resources ◽  
Control Systems ◽  
Internal Control ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Primary Data ◽  
Fraud Triangle ◽  
Fraud Prevention ◽  
Internal Control System

The purpose of this research is to analyze the factors that cause the occurrence of fraud in PD BPR Bank Dearah X which is one of the regional owned enterprises of Local Government X and identify the steps ways of fraud prevention which is effective in PD BPR Bank Daerah X. This research uses a qualitative approach with a case study. This study uses the primary data and secondary data. This research uses many data collection techniques by conducting an interview, an observation and a documentation. The results show that the factors that cause the occurrence of fraud in PD BPR Bank Daerah X can be classified into four, namely: (1) the pressure that comes from the external and internal influence, (2) an opportunity or a chance due to the weakness of internal control systems owned by BPR , sanctions are not strict enough for the wrongdoers of fraud, and misuse of authority committed by directors, (3) rationalization, and (4) collusion. The ways of fraud prevention which are done by the management of PD BPR Bank Daerah X and based on the results of interviews conducted by the researchers, can be identified as follows: (1) An improvement of the internal control system in PD BPR Bank Daerah X, (2) An implementation of policy of know your employee (KYE) as an effort of fraud prevention by controlling the aspects of human resources (HR); (3) A creation of a special line of fraud reporting policy;and (4) An establishment of policies and sanction procedures. Keywords: Fraud, Regional Owned Enterprises, Fraud Triangle, Anti-fraud Strategy.

scholarly journals Analisis Faktor Yang Mempengaruhi Keputusan Pembelian Konsumen Terhadap Produk Rabbani di Bunker Rabbani Pucang Surabaya

2015 ◽  
Vol 1 (6) ◽  
pp. 385
Author(s):  
Mariska Pradnya Paramitha ◽  
Fatin Fadhilah Hasib
Keyword(s):  
Random Sampling ◽  
Secondary Data ◽  
Simple Random Sampling ◽  
Primary Data ◽  
Sample Population ◽  
Competitive Pressure ◽  
Factors Affecting ◽  
Store Location ◽  
Two Stages

This research aims to identify factors affecting consumer buyer decision to buy Rabbani products in Bunker Rabbani Pucang Branch Surabaya, amid burgeoning hijab trend fashion and competitive pressure from other retailers of moslem clothing products. In our study we employed quantitative approach, which followed by analysis using exploratory analysis factor. The sample population that we studied comprised of female customers buying Rabbani products in the above retailer, which we surveyed by using simple random sampling. The primary data collection is conducted in two stages: pre-test and main test, whereas secondary data are obtained elsewhere from literature. The pre-test was carried out by posing the questionnaire to 30 respondents. The result of pre-test is subsequently used as instrument indicator for main test which involving 91 respondents. From our investigation we obtained three factors behind consumer buyer decision to buy Rabbani products in the store used as case study: factor of product types, factor of price and store location, and factor of store promotion. Based on this result we thus provide suggestion to Rabbani store to keep up product attribute existence amid burgeoning hijab trend fashion and competitive pressure from other retailers of moslem clothing products.

scholarly journals Retorika Dakwah Ustadz Handy Bonny

2020 ◽  
Vol 3 (2) ◽  
pp. 172-189
Author(s):  
Asep Saeful Millah ◽  
Dindin Solahudin ◽  
Bahrudin Bahrudin
Keyword(s):  
Secondary Data ◽  
Primary Data ◽  
Case Study Method ◽  
Descriptive Case Study ◽  
Video Lectures ◽  
Primary Data Source ◽  
Data Source ◽  
Secondary Data Sources ◽  
Media Data

Tulisan ini bertujuan untuk mengetahui Gaya Bahasa, diksi, intonasi, dan gagasan retorika yang dikemukakan Ustadz Handy Bonny. Metode penelitian menggunakan metode deskriptif studi kasus. Metode ini dipilih untuk mendapatkan hal yang objektif dan representative. Sumber data primer dalam penelitian ini adalah Ustadz Handy Bonny yang didapatkan dari rekaman video ceramah di youtube. Kemudian sumber data skunder didapatkan dari media tv, internet dan lainnya. Analisis data dengan analisis kualitatif. Hasil penelitian ini menunjukkan retorika dakwah Ustadz Handy Bonny yang mampu memikat jamaah yang mendengarkan ceramahnya. Beliau menggunakan banyak gaya bahasa, diksi yang sederhana, intonasi yang bagus, dan memiliki gagasan retorika yang khas. This paper aims to find out the style of language, diction, intonation, and rhetorical ideas expressed by Ustadz Handy Bonny. The research method uses a descriptive case study method. This method was chosen to get an objective and representative thing. The primary data source in this study was Ustadz Handy Bonny which was obtained from video lectures on youtube. Then secondary data sources are obtained from TV, internet and other media. Data analysis with qualitative analysis. The results of this study show the rhetoric of the preaching of Ustadz Handy Bonny that is able to lure the worshipers who listen to his lecture. He uses many styles of language, simple diction, good intonation, and has a distinctive rhetorical idea.

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