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 Bina Pribadi Islam (BPI) dalam Membina Akhlak Peserta Didik di Sekolah Dasar Inspiratif Al-Ilham Kota Banjar

2021 ◽  
Vol 17 (2) ◽  
pp. 165
Author(s):  
Fani Fadliyani ◽  
Yosep Farhan Dafik Sahal ◽  
Muhamad Aris Munawar
Keyword(s):  
Qualitative Research ◽  
Elementary School ◽  
Data Collection ◽  
Personal Development ◽  
Research Method ◽  
Secondary Data ◽  
Primary Data ◽  
Case Study Approach ◽  
Study Approach

This study aims: (1) to determine the morals of students in SD Inspiratif Al-Ilham, Banjar City. (2) to determine the implementation of Islamic Personal Development (BPI) in building the morals of students at SD Inspiratif Al-Ilham, Banjar City. (3) to find out the results of the Islamic Personal Development (BPI) in building the morals of students at SD Inspiratif Al-Ilham, Banjar City. The purpose of this study was to determine the morals of students, the implementation of Islamic Personal Development and to find out the results of Islamic Personal Development in fostering the morals of students at SD Inspiratif Al-Ilham, Banjar City. This study used a qualitative research method with a case study approach. This study used data collection techniques using interviews, observation, and documentation study. The data used are primary data obtained directly from respondents regarding the implementation of Islamic Personal Development. Meanwhile, secondary data in the form of theories and other supporting data were obtained from literature and school archives documentation. All of these data are materials to describe the implementation of Islamic Personal Development (BPI) at SD Inspiratif Al-Ilham, Banjar City. The results of this study indicate that: (1) The morals of the students at SD Inspiratif Al-Ilham, Banjar City are good enough. (2) Implementation of Islamic Personal Development in fostering the morals of students at Inspiratif Al-Ilham Elementary School, Banjar City, namely through coaching which includes guidance by exemplary, guidance with habituation and guidance with advice (3) The results of the Islamic Personal Development (BPI) in fostering the morals of students at the Inspiratif Al-Ilham Elementary School, Banjar City are quite good, where students have been able to show behavior according to the existing indicators, including being able to carry out congregational prayers and prayers. sunnah dhuha and qiyamullail, reciting dhikr after every prayer and so on.

scholarly journals Pemberdayaan Ekonomi Keluarga Melalui Usaha Peningkatan Pendapatan Keluarga Sejahtera (UPPKS) (Studi Kasus di Desa Sukorejo Kecamatan Saradan Kabupaten Madiun)

2019 ◽  
Vol 7 (2) ◽  
pp. 116
Author(s):  
Sudarmiani, Waini Astuti
Keyword(s):  
Data Collection ◽  
Secondary Data ◽  
Data Sources ◽  
Primary Data ◽  
Economic Empowerment ◽  
Case Study Approach ◽  
Study Approach ◽  
Savings And Loan

<p><em>This study aims to determine the implementation of the UPPKS program, the role of UPPKS cadres, the supporting components of the UPPKS program and obstacles in family economic empowerment activities through the UPPKS program in Sukorejo Village, Saradan, Madiun. The type of research used is descriptive qualitative with a case study approach. Data sources used are primary data and secondary data. Data collection is done by observation, interviews and documentation. The validity of the data uses source triangulation. The results show, (1) The implementation of family economic empowerment through the UPPKS program in Sukorejo Village runs quite well in savings and loan activities. (2) The role of UPPKS cadres in Sukorejo Village is as facilitators in conveying what their members want to the UPPKS program organizers. (3) Supporting components in the implementation of UPPKS activities in Sukorejo Village are Village Village, Saradan PLKB, and BKKBN. (4) Obstacles in the process of family economic empowerment through the UPPKS program in Sukorejo Village, namely the existence of members who are less active in the activities of UPPKS groups and members who move domiciles, so that UPPKS members are reduced.</em></p>

scholarly journals Ritual Pethik Pari sebagai Pembentukan Ulang Individualitas Petani : Studi tentang Budaya Pethik Pari di Desa Dukuh Dempok, Wuluhan, Kabupaten Jember

2021 ◽  
Vol 21 (1) ◽  
pp. 22
Author(s):  
Fitrotin Nisa ◽  
Sofia Nabilla Bayani ◽  
Adellisa Wardani ◽  
Dinda Clarita Salsadillah
Keyword(s):  
Qualitative Method ◽  
Rice Fields ◽  
Case Study Approach ◽  
Study Approach ◽  
Farming Community ◽  
Peasant Community ◽  
Depth Interviews ◽  
Descriptive Qualitative

The Pethik Pari tradition is a tradition of the Javanese farming community. This tradition is in the form of a series of selamatan ritual performed as a form of gratitude of the farmers to God Almighty for abundant sustenance through good harvests. The Pethik Pari ritual used to be carried out by Dukuh Dempok Village farmers individually in their homes by simply carrying out a simple slametan. But now, the ritual procession is changing and carried out jointly by farmers in the fields by carrying out slametan, Wayang’s performances, and fishing together in the rice fields. With the change in the implementation of the ritual procession, making the Pethik Pari ritual a re-establishment of the individuality of peasants in Dukuh Dempok Village. The ritual tradition of Pethik Pari itself, is also a symbol of the Javanese peasant community that there is a belief in the existence of Dewi Sri as a goddess of prosperity. This research uses descriptive qualitative method with a case study approach. Data was collected through in-depth interviews with informants from the head of the farmers' groups and Dukuh Dempok Village farmers. The focus of this study was to determine the re-establishment of the individuality of farmers in Dukuh Dempok village, Wuluhan, Jember, East Java.  

scholarly journals Persepsi Guru dan Siswa terhadap Penerapan Model Discovery secara Daring pada Pembelajaran Menulis Naskah Ceramah

2021 ◽  
Vol 4 (4) ◽  
pp. 453-460
Author(s):  
Abdul Rahman ◽  
Yusak Hudiyono ◽  
Bibit Suhatmady
Keyword(s):  
Online Learning ◽  
Data Collection ◽  
Research Method ◽  
Qualitative Method ◽  
Sampling Technique ◽  
Case Study Approach ◽  
Purposive Sampling ◽  
Study Approach ◽  
Teachers And Students

Implementation of online learning with the application of the invention model increases perceptions between teachers and students. This study aims to determine the perceptions of teachers and students about the implementation of the invention model online in writing script learning. The research method used is a qualitative method using a case study approach. The population in this study were Indonesian language subject teachers and ten-grade students. The sample was taken using the purposive sampling technique. Data collection techniques are carried out by filling out a questionnaire through the Google form and interviews with teachers and students.

scholarly journals Sharia conformity for mudharabah financing practices in sharia banks based on the DSN-MUI Fatwa Number 07 year 2000: A case study

2021 ◽  
Vol 10 (4) ◽  
pp. 239-248
Author(s):  
Santi Lamusu ◽  
Aulia Fuad Rahman ◽  
Noval Adib
Keyword(s):  
Data Analysis ◽  
Qualitative Method ◽  
Qualitative Data ◽  
Secondary Data ◽  
Profit Sharing ◽  
Primary Data ◽  
Study Approach ◽  
Bank Employees ◽  
Year 2000

This study aims to uncover and analyze the suitability of sharia mudharabah financing practices at Bank Muamalat Semarang Branch with Fatwa DSN MUI Number 07 year 2000. To achieve this goal, the research was pursued using a qualitative method with a case study approach. The primary data of this research is interviews and is supported by secondary data. The key informants are bank employees. Data analysis was performed by using qualitative data analysis namely reduction, display and conclusion. The results showed that Bank Muamalat Semarang branch in carrying out the practice of mudharabah financing was in accordance with the DSN MUI Fatwa Number 07 year 2000 and the applicable SOP. Meanwhile, the recommendations in the Fatwa which are optional are still carried out in accordance with the prevailing regulations. For example, by requiring guarantees, channeling mudharabah financing only in the form of cash assets, only financing productive businesses such as BPRS and BMT, as well as the criteria for entrepreneurs, financing procedures and profit sharing mechanisms. The decision to choose the policy is accompanied by certain considerations, especially for the sustainability and security of LKS and does not conflict with fatwa rules so that it does not go out of the corridor of sharia principles in muamalah  

scholarly journals Kultur Nahdlatul Ulama Dalam Penerapan Akad Syariah

2021 ◽  
Vol 2 (1) ◽  
pp. 1-11
Author(s):  
Nadila Meiri Syahdana ◽  
Norsain Norsain
Keyword(s):  
Qualitative Method ◽  
Social Economic ◽  
Primary Data ◽  
Employee Behavior ◽  
Case Study Approach ◽  
Study Approach ◽  
Nahdlatul Ulama ◽  
Economic Improvement

The first step in building a good ummah or mabadi' khaira ummah, Nahdlatul Ulama (NU) instilled the five characteristics of the Prophet to his people so that they have a strong mentality as a capital for social-economic improvement in society. The purpose of this study was to analyze the culture of NU in the application of sharia contracts at KSPS BMT UGT Sidogiri, Lenteng Branch. This study uses a qualitative method with a case study approach. The data obtained by researchers are primary data from interviews, observation and documentation. The results of this study indicate that some of the characteristics of mabadi' khaira ummah, namely shiddiq and amanah, are applied in KSPS BMT UGT Sidogiri, Lenteng Branch. Attitudes tawassuth-i'tidal, tasamuh, tawazzun and amar ma'ruf nahi munkar are applied to employee behavior.

scholarly journals PROBLEMS IN THE APPLICATION OF GOOGLE TRANSLATE AS A LEARNING MEDIA IN TRANSLATION

2020 ◽  
Vol 4 (2) ◽  
pp. 384-389
Author(s):  
Christanta Rejuna Phanes Sembiring Brahmana ◽  
Rudy Sofyan ◽  
Dian Marisha Putri
Keyword(s):  
Qualitative Method ◽  
English Literature ◽  
The Other ◽  
Data Sources ◽  
Case Study Approach ◽  
Study Approach ◽  
Language Structure ◽  
Other Hand ◽  
Descriptive Qualitative

This paper is concerned with the problems in the application of Google Translate as a translation tool. The discussion focuses on the identification of the problems faced by the translators. This research was conducted by using the descriptive qualitative method with a case study approach. Some theories supporting this research were proposed by Munday, Imre, and also Ghasemi and Hasemian. The data sources in this research were taken from the questionnaires given to students of English Literature Department of USU. From the analysis, it was found that the biggest problems often faced by the students of English Literature Department of USU were the inaccuracy and mismatch of the meaning translated which reached 31%, followed by the inaccuracy of the language structure in the translation result which reached 30%. On the other hand, the findings also showed that the best solution to deal with these problems was to make self-corrections and check the meaning of some suspected words in the dictionary and make the best choice according to the context. With the same percentage of 29%, it could be concluded that the two solutions were claimed to be the best and most efficient for the students. The conclusion was that the use of Google Translate as a learning media in translation could be accepted and applied in the classroom. Based on the results of this analysis, it was revealed that students had already known how to solve the problems of using Google Translate.

scholarly journals Analisis Penyebab Kerugian Pada PT Sumber Alfaria Trijaya Tbk Cabang Manado

2019 ◽  
Vol 10 (2) ◽  
pp. 14
Author(s):  
Siti Asmianti ◽  
Grace Nangoi ◽  
Jessy Warongan
Keyword(s):  
Internal Control ◽  
Qualitative Method ◽  
Narrative Form ◽  
Case Study Approach ◽  
Purposive Sampling ◽  
Study Approach ◽  
Interview Technique ◽  
Depth Interview ◽  
Improve Compliance

Abstract. This study aims to analyze the causes of losses at PT Sumber Alfaria Trijaya Tbk Branch Manado. This study was using qualitative method with case study approach. Data were obtained through in-depth interview technique, documentation study and observation. Key informants were determined by using purposive sampling that they meet the criteria set out to obtain accurate and precise information. Triangulation techniques were used to test the validity of data and data sources. The transcript data described from the interview results were analyzed using analytical methods consisting of the giving of themes/coding, conceptualizing scientific statements and interpreting them in a narrative form. The result of this research shows that there were 6 (six) causes of losses at PT Sumber Alfaria Trijaya Tbk Branch Manado, there were expansion, age of the company, fraud, insufficient internal control, human resource competency, and business competition among industries. The efforts made are reward and punishment strategies, improvement of human resources, and increasing sales by increasing franchise stores. Recommendations are to improve compliance, attitudes and responsibilities of employees for the work given to them, to improve the commitment of leaders to be more assertive and to improve supervision and internal control in order to enhance employee integrity to reduce the potential of fraud.Keywords: Retail, Compliance, Internal Control, FraudAbstrak. Penelitian ini bertujuan untuk menganalisis penyebab kerugian pada PT Sumber Alfaria Trijaya Tbk Cabang Manado. Penelitian ini adalah penelitian kualitatif dengan pendekatan studi kasus. Data diperoleh melalui teknik wawancara mendalam, observasi dan studi dokumentasi. Informan kunci ditetapkan secara purposive sampling dengan syarat memenuhi kriteria yang ditetapkan untuk mendapatkan informasi yang tepat dan akurat. Teknik triangulasi digunakan untuk menguji validitas data dan sumber data. Data transkrip yang diuraikan dari hasil wawancara dianalisis menggunakan metode analisis yang terdiri dari pemberian tema/coding, konseptualisasi pernyataan ilmiah dan menginterpretasikannya dalam bentuk narasi. Hasil penelitian menunjukkan bahwa terdapat 6 (enam) penyebab kerugian pada PT Sumber Alfaria Trijaya Tbk Cabang Manado, yaitu ekspansi, umur perusahaan, adanya fraud, pengendalian internal yang kurang memadai, kompetensi sumber daya manusia, serta persaingan usaha sesama industri. Upaya yang dilakukan yaitu adanya strategi reward dan punishment, perbaikan sumber daya manusia, serta meningkatkan penjualan dengan memperbanyak toko franchise. Saran yang diberikan adalah perlu adanya perbaikan dalam hal kepatuhan, sikap dan tanggung jawab karyawan terhadap pekerjaan yang diberikan, perlu memperbaiki komitmen pimpinan agar lebih tegas dan meningkatkan pengawasan serta pengendalian internal yang lebih terkontrol dalam hal meningkatkan integritas karyawan untuk mengurangi adanya potensi fraud.Kata Kunci: Ritel, Kepatuhan, Pengendalian Internal, Fraud.

scholarly journals Penerapan Pembiayaan Musyarakah Pada BMT Dana Barokah Muntilan

2020 ◽  
Vol 4 (2) ◽  
pp. 181-195
Author(s):  
Shinta Amelia Kurniasari ◽  
Risma Wira Bharata
Keyword(s):  
Data Collection ◽  
Qualitative Method ◽  
Profit Sharing ◽  
Primary Data ◽  
Case Study Approach ◽  
Study Approach

This study aims to determine the implementation of profit sharing based musyarakah contracts, financing products and financing mechanisms at the Baitul Maal wa Tamwil (BMT) Dana Barokah. This study uses a qualitative method with a case study approach. The data used in the study used primary data and viewed from the data collection sources, the data used came from direct interviews with tellers and managers at BMT. The results of this study explain that BMT provides several savings products and financing products. To apply for financing, customers must first fill out a form and then complete the required files. In the implementation of musyarakah financing at BMT Dana Barokah Muntilan it is in accordance with Islamic sharia principles and the division of business with profit sharing, but the bank only as a provider of capital does not participate in conducting business activities. The profit-sharing determined by BMT Dana Barokah Muntilan is 2.5%, but negotiations are still possible.

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

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