scholarly journals ANALISIS KEPATUHAN SYARIAH PEMBIAYAAN MUSYARAKAH PADA BPRS AMANAH SEJAHTERA GRESIK

2020 ◽  
Vol 7 (1) ◽  
pp. 151
Author(s):  
Ita Miftahul Janah ◽  
Sunan Fanani
Keyword(s):  
Financial Institutions ◽  
Islamic Law ◽  
Descriptive Analysis ◽  
Supervisory Board ◽  
Case Study Approach ◽  
Study Approach ◽  
Islamic Financial Institutions ◽  
Qualitative Descriptive ◽  
Conventional Banks

The background of this research is the growth and development of the Islamic economy in Indonesia these days. It can be seen from the number of Islamic Financial Institutions that have emerged lately and offered products that are free of usury. Thus, citizens’ perceptions of Islamic banks and conventional banks are the same. Meanwhile, to carry out its operations, sharia financial institutions must follow Islamic law (Sharia law), which are regulated in the DSN-MUI Fatwa and supervised by the Sharia Supervisory Board. From the phenomenon above, the writer wants to raise the theme of sharia compliance in sharia financial institutions namely musyarakah financing in Islamic Rural Banks. This study uses qualitative descriptive analysis, a case study approach. The object of this research is the Islamic rural bank (BPRS) Amanah Sejahtera Gresik. To examine the compliance of the musyarakah contract, the author uses the Fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI Fatwa) No.08/DSN-MUI/IV/2000 as its reference. The results show that the BPRS Amanah Sejahtera Gresik has been operating the Musyarakah Financing following the applicable DSN-MUI Fatwa rules. In addition to that, besides seeking profits, BPRS also preaches Islamic economics. From the sharia principles that have been carried out by the BPRS, the purpose of maqashid sharia is fulfilled.Keywords: Sharia Compliance, Musyarakah, BPRS Amanah Sejahtera, DSN-MUI Fatwa, Maqashid Sharia.

MODEL PENGELOLAAN PEMANFAATAN RUANG DI KOMPLEKS YAYASAN PERGURUAN AL-IRSYAD

2021 ◽  
Vol 3 (1) ◽  
pp. 1
Author(s):  
Isa Saleh
Keyword(s):  
Descriptive Analysis ◽  
Case Study Approach ◽  
Study Approach ◽  
Accurate Picture ◽  
Deputy Chairman ◽  
Qualitative Descriptive ◽  
Research Findings ◽  
Spatial Use ◽  
Descriptive Method

ABSTRACTThis study aims to identify the management of the use of space, identify infrastructure and planning, and determine the maintenance of assets in the Al Irsyad College Foundation in Surabaya. The research used qualitative descriptive method with case study approach. The object of research in this study is the Al Irsyad College Foundation in Surabaya. The informant of this research was the deputy chairman of takmir, the infrastructure section at all levels of the school, and the board of the Surabaya Al Irsyad College Foundation. The process of collecting data used observation, interviews, and documentation. Data analysis used qualitative descriptive analysis to describe and to classify the facts or characteristics factually and accurately for providing a clear or accurate picture of the phenomenon were being investigated. Research findings show that the process of spatial use is in accordance with needs. Procurement of infrastructure is adjusted to the needs of each level. Maintenance of infrastructure assets has been carried out when there is damage or complaints from the school.Penelitian ini bertujuan untuk mengidentifikasi manajemen pemanfaatan ruangan, mengidentifikasi sarana prasarana dan perencanaannya, dan mengetahui perawatan aset di kompleks Yayasan Perguruan Al-Irsyad Surabaya. Metode penelitian menggunakan metode deskriptif kualitatif dengan pendekatan studi kasus. Objek penelitian dalam penelitian ini ialah Yayasan Perguruan Al-Irsyad Surabaya. Informan penelitian ini merupakan wakil ketua takmir, bagian sarana prasarana di semua jenjang sekolah, dan pengurus yayasan. Proses pengumpulan data menggunakan observasi, wawancara, dan dokumentasi. Analisis data menggunakan analisis deskriptif kualitatif yang berusaha mendeskripsikan fenomena dengan melukiskan dan mengklasifikasi fakta atau karakteristik tersebut secara faktual dan cermat untuk memberikan gambaran yang jelas atau akurat tentang fenomena. Hasil penelitian menunjukkan bahwa proses pemanfaatan ruang sudah sesuai dengan kebutuhan. Pengadaan sarana prasarana disesuaikan dengan kebutuhan masing-masing jenjang. Pemeliharaan pada aset sarana prasarana telah di lakukan ketika ada kerusakan atau keluhan dari pihak sekolah.

scholarly journals The Development of Multicultural Discourse in the Historical Learning: A Case Study on Samudra University Langsa Aceh

2016 ◽  
Vol 3 (5) ◽  
pp. 1
Author(s):  
Bachtiar Akob
Keyword(s):  
Learning Strategy ◽  
Descriptive Analysis ◽  
Sampling Technique ◽  
Research Subjects ◽  
Case Study Approach ◽  
Education Department ◽  
Study Approach ◽  
The Past ◽  
Qualitative Descriptive

The research analyzed the efforts conducted in the domain of historical learning in a university, especially related to how the past memory influences the recent multicultural discourses. The method used in this research is qualitative descriptive analysis with case study approach. The research was divided into three parts: (1) collecting data, (2) analyzing data, and (3) reporting the results of the research. Subjects of the research were selected by using purposive sampling technique; they were the 4th semester students up to the 6th semester students of the History Education Department in Samudra University Langsa Aceh. The research resulted findings that conceptually the students had understood about the concept of multicultural. Nevertheless, multicultural discourse had not touched the context of locality. Historical learning was designed to develop and expand the students’ multicultural discourse. The design of historical learning contains the learning strategy of ENACT, consisting of six stages: apperception, exploration, narrowing, analyzing, creating and teaching. Historical learning forms the students’ multiculturalism discourse, built from a historical understanding and the dynamics of Acehnese society. The students viewed that multicultural is a social condition, formed from historical process. Conflict understood by students as the dynamics which is inseparable from a multicultural society. However, the students considered that conflict caused many endless problems, therefore, the students’ multicultural discourse tended to lead to peace condition. Keywords: Historical Learning, ENACT, Multicultural.

scholarly journals BENTUK DIGITALISASI DESA WISATA DI MASA NORMAL BARU

2021 ◽  
Vol 20 (1) ◽  
pp. 18-24
Author(s):  
I Gede Gian Saputra
Keyword(s):  
Descriptive Analysis ◽  
Digital Tools ◽  
Analysis Method ◽  
Case Study Approach ◽  
Group Discussions ◽  
Study Approach ◽  
Qualitative Descriptive ◽  
Media Applications ◽  
Depth Interviews

The digitization of tourism village amidst limited human resource capabilities is a challenge for Sayan Village, Ubud, Bali. This study aims to analyze the form of digitization of Sayan tourism villages in the new normal era. It was designed with a qualitative descriptive analysis method using a case study approach. In addition to in-depth interviews and focus group discussions, 102 respondents were successfully obtained after distributing questionnaires to support the results that have been carried out. The results of the study revealed that the form of digitization was limited in marketing the product. Social media applications such as Facebook, Instagram, Youtube and Google were the digital tools that dominated the form of digitization done by the managers of Sayan Tourism Village. However, Sayan Tourism Village have very positive efforts in starting digitization through the collaboration with the Godevi as the marketplace of tourism village.

scholarly journals Pengelolaan Open and Distance Learning di TK Muslimat NU 41 Wuluhan Jember

genius ◽  
2020 ◽  
Vol 1 (1) ◽  
pp. 18-33
Author(s):  
Abdul Karim ◽  
Luluk Handayani
Keyword(s):  
Distance Learning ◽  
Descriptive Analysis ◽  
Case Study Approach ◽  
Study Approach ◽  
Qualitative Descriptive ◽  
Learning Flexibility ◽  
The Media ◽  
Open And Distance Learning ◽  
Transfer Of Information

Generally, education is a process of communication and transfer of information from educators to students. Online learning is a special education service that is carried out inclusively with a kind of separate learning model between educators and students. The purpose of this study is describing and analyzing the management of distance learning and open learning in Kindergarten of Muslimat NU 41 Gawok Dukuh Dempok Wuluhan. The method used is qualitative descriptive analysis with case study approach. The researchers used interviews to collect datas and triangulations to check the datas validity. The model of data analyzing and validity checking was based on the theory by Miles and Huberman. The results of the study showed : (1) Planning: school coordinates with parents via Whatsapp group and teachers prepares the themes of learning for creating learning flexibility. (2) Implementation: the teachers accompany parents through Whatsapp with some themes of discussion. (3) Evaluation: the evaluaton is carried out daily and weekly indirectly through Whatsapp group, the media used for interaction between teachers to students, teachers to teachers and also interviews to parents, or by giving assignments and visiting works. Pendidikan secara umum merupakan suatu proses komunikasi dan transfer informasi dari pendidik kepada peserta didik. Pembelajaran daring merupakan layanan pendidikan khusus secara inklusif yang dilaksanakan dengan model pembelajaran terpisah antara pendidik dan peserta didik. Tujuan dari penelitian ini untuk mendeskripsikan dan menganalisis tentang pengelolaan pembelajaran open and distance learning di TK Muslimat NU 41 Gawok Dukuh Dempok Wuluhan. Metode yang digunakan dalam penelitian ini dengan pendekatan kualitatif deskrptif dan jenis penelitian studi kasus. Metode pengumpulan data menggunakan tehnik wawancara. Sedangkan metode analisis data menggunakan model analisis data Miles dan Huberman. Keabsahan data dengan trianggulasi. Hasil dari penelitian menunjukkan: (1) Perencanaan: sekolah berkoordinasi dengan wali murid, guru menyiapkan tema pembelajaran, sekolah menyiapkan group Whatsapp, fleksibilitas belajar anak di rumah. (2) Pelaksanaan: guru mendampingi orang tua melalui media Whatsapp, tema dapurku, tema belajar anak pintar, anak hebat dan anak cerdas, tema sahabat bermain, tema rajin ibadah. (3) Evaluasi: pemanfaatan grup Whatsapp untuk evaluasi harian dan mingguan melalui grup Whatsapp, baik evaluasi dengan dialog langsung antar anak dan guru maupun guru dengan guru, maupun interview guru dengan orang tua, serta melalui penugasan dan hasil karya wisata. Kata Kunci: perencanaan, pelaksanaan, evaluasi, pembelajaran jarak jauh

scholarly journals Error analysis of prospective mathematics teachers in solving of applying radian measurement problem in trigonometry courses

2021 ◽  
Vol 12 (2) ◽  
pp. 343-357
Author(s):  
Yayan Eryk Setiawan ◽  
Surahmat Surahmat
Keyword(s):  
Prospective Teachers ◽  
Measurement Problem ◽  
Transcript Analysis ◽  
Research Subjects ◽  
Case Study Approach ◽  
Study Approach ◽  
Intuitive Thinking ◽  
Descriptive Research ◽  
Qualitative Descriptive

This research aims to describe the mistakes of the prospective teachers in solving the application of radian measurement problems and their causes. This type of research is qualitative descriptive research with a case study approach. The types of data collection in this research consisted of the results of the subject's work and transcripts of interviews with research subjects. By following the type of data, this research instrument consists of one question about the problem of applying radian measurement and interview guidelines developed by the researchers. Data analysis of the subject's work is carried out by classifying the types of errors to know the types of errors that arise in solving the problem of applying the radian measurements. While the transcript analysis of the interview results was carried out by coding the words to determine the factors causing the errors that appeared. The results of the research indicate that the error in solving the problem of applying the radian measurement are misconceptions and factual errors. This misconception is generally caused by intuitive thinking, while this factual error is generally caused by not paying careful attention to the information in the question. The solution to these errors is to analyze the elements of the circle that are interconnected in solving the problem of applying the radian measurements and to be careful in writing the information that is known in the question. 

scholarly journals PENGAMBILALIHAN HAK ATAS JAMINAN (EKSEKUSI) JAMINAN FIDUSIA DAN RAHN TASJILY PERSEPEKTIF HUKUM POSITIF DAN HUKUM ISLAM

2019 ◽  
Vol 10 (2) ◽  
pp. 186
Author(s):  
Heri Kuswanto
Keyword(s):  
Financial Institutions ◽  
Islamic Law ◽  
Descriptive Analysis ◽  
Critical Legal Studies ◽  
Legal Studies ◽  
Positive Law ◽  
Qualitative Descriptive ◽  
The Right ◽  
And Storage ◽  
Laws And Regulations

The phenomenon that occurs is related to the taking over of the right to guarantee (execution) of fiduciary security and Rahn Tasjily in the execution of executions carried out by financial institutions that do not comply with applicable laws and regulations. This research uses Normative legal methods, with qualitative descriptive analysis and critical legal studies. The results of the study that the process of taking over the right to guarantee (execution) fiduciary regulated in article 29 (1) of the fiduciary guarantee law. Among the first, execution based on Grosse fiduciary guarantee certificate or executable title (fiat execution) contained in the Fiduciary Guarantee Certificate carried out by the fiduciary recipient. Second, an execution based on the execution of separate executions through public auctions by fiduciary recipients. Third, execution by sale under the hand by the creditor fiduciary himself, and fourth, fiduciary execution by claiming. Based on Islamic law, the process of expropriation of the right to guarantee (execution) Rahn Tasjily, that the procedure for executing Marhun (collateral object), if due. Murtahin must warn Rahin to pay off her debt immediately. If the Rahin still cannot repay its debt, then Marhun is forcibly sold/executed through an auction, according to sharia. Marhun sales proceeds used to pay off debt, maintenance, and storage costs that have not paid and sales costs. The excess proceeds from the sale belong to Rahin, and the shortcomings become Rahin obligations. The execution process carried out by sharia companies must be based on fatwa no. 25/DSN-MUI/III/2002, and fatwa no. 92/ DSN-MUI/IV/2014. Positive law and Islamic law, which become normative references, have not been well understood and applied by the finance parties, causing injustice and legal uncertainty.Keywords: expropriation of rights, fiduciary guarantee, rahn tasjily ABSTRAKFenomena yang terjadi terkait pengambilalihan hak atas jaminan (eksekusi) jaminan fidusia dan rahn tasjily pada pelaksanaan eksekus yang dilakukan oleh lembaga pembiayaan tidak mematuhi aturan perundang-undangan yang berlaku. Penelitian ini menggunakan metode hukum Normatif, dengan analisis deskriptif kualitatif dan studi hukum kritis. Hasil penelitian bahwa, proses pengambilalihan hak atas jaminan (eksekusi) fidusia telah diatur dalam pasal 29 (1) undang-undang jaminan fidusia. Diantaranya pertama, eksekusi berdasarkan grosse sertifikat jaminan fidusia atau titel eksekutorial (secara fiat eksekusi) yang terdapat dalam Sertifikat Jaminan Fidusia yang dilakukan oleh penerima fidusia. Kedua, eksekusi berdasarkan pelaksanaan parate eksekusi melalui pelelangan umum oleh penerima fidusia. Ketiga, eksekusi secara penjualan di bawah tangan oleh kreditor pemberi fidusia sendiri, dan keempat, eksekusi fidusia secara mendaku. Berdasarkan hukum Islam, proses pengambilalihan hak atas jaminan (eksekusi) rahn tasjily, bahwa prosedur pengeksekusisan marhun (objek jaminan), apabila jatuh tempo. Murtahin harus memperingatkan Rahin untuk segera melunasi hutangnya. Apabila rahin tetap tidak dapat melunasi hutangnya, maka marhun dijual paksa/dieksekusi melalui lelang sesuai syariah. Hasil penjualan marhun digunakan untuk melunasi utang, biaya pemeliharaan dan penyimpanan yang belum dibayar serta biaya penjualan. Kelebihan hasil penjualan menjadi milik rahin dan kekurangannya menjadi kewajiban rahin. Adapun proses eksekusi yang dilakukan oleh perusahaan syariah harus berdasarkan fatwa Nomor: 25/DSN-MUI/III/2002, dan fatwa Nomor:92/DSN-MUI/IV/2014. Hukum positif dan hukum Islam yang menjadi rujukan normatif, belum difahami dan diterapkan dengan baik oleh pihak pembiayaan, sehingga menimbulkan ketidakadilan dan ketidakpastian hukum. Kata Kunci : jaminan eksekusi fidusia,pengambilalihan hak, rahn tasjily

scholarly journals Penghapusan Kebijakan Denda Keterlambatan pada Pembiayaan Bermasalah PT Bank BNI Syariah

2019 ◽  
Vol 2 (2) ◽  
pp. 1-34
Author(s):  
Laode Arahman Nasir ◽  
Wasilah Wasilah
Keyword(s):  
Policy Implementation ◽  
Qualitative Methods ◽  
Islamic Law ◽  
Positive Impact ◽  
Case Study Approach ◽  
National Board ◽  
Research Instrument ◽  
Study Approach ◽  
Interview Process

This study aims to analyze the policy of late charge elimination applied to PT Bank BNI Syariah. This policy was initiated at the year of 2016 which predictably lead to the inclination of problematic financing at BNI Syariah. This study provides evaluation and recommendation for policy implementation to reduce the number of problematic financing. This study uses qualitative methods with a case study approach. The research instrument used was through the interview process with BNI Syariah and the DSN (Dewan Syari‟ah Nasional/ Read: National Board of Islamic Law) of MUI (Majelis Ulama Indonesia/ Read: Indonesian Muslim Scholars Council). The results of the study reveals that the application of a fine-elimination policy was applied because of bank doubts about the application of fines to sharia and fines that have no effect on the bank’s income. PT Bank BNI Syariah uses persuasive policies and still applies the ta'widh policy after the application of the fine is eliminated. This policy has a positive impact on marketing but is still vulnerable to an increase in the level of Non Performing Financing (NPF).

scholarly journals MAJA LABO DAHU SLOGAN IN CHARACTER EDUCATION

2019 ◽  
Vol 9 (2) ◽  
Author(s):  
Mulyadin Mulyadin ◽  
Amat Jaedun
Keyword(s):  
Character Education ◽  
Subject Matter ◽  
Religious Values ◽  
Case Study Approach ◽  
Study Approach ◽  
Descriptive Research ◽  
Teachers And Students ◽  
Qualitative Descriptive

Abstrak: Tujuan dari penelitian ini untuk mengungkapkan: (1) nilai-nilai semboyan maja labo dahu dalam pendidikan karakter;  (2) implementasi semboyan maja labo dahu dalam pendidikan karakter;  (3) efektivitas implementasi semboyan maja labo dahu dalam pendidikan karakter di MTs Negeri 1 Kota Bima. Penelitian ini adalah penelitian deskriptif kualitatif dengan menggunakan pendekatan studi kasus. Penentuan  subjek penelitian yang dilakukan dengan teknik purposive. Data dikumpulkan melalui observasi, wawancara, dan dokumentasi. Data dianalisis dengan menggunakan teknik analisis kualitatif model interaktif dengan langkah-langkah: pengumpulan data, reduksi data, penyajian data, dan kesimpulan. Hasil penelitian menunjukkan bahwa: (1) Nilai-nilai semboyan maja labo dahu sesuai dengan nilai-nilai dalam pendidikan karakter, yaitu: nilai religius, jujur, disiplin, mandiri, menghargai prestasi, dan cinta tanah air. (2) Implementasi semboyan maja labo dahu belum dirumuskan secara eksplisit atau dibakukan sebagai materi pelajaran. (3). Semboyan  maja labo dahu telah efektif memberikan pengetahuan moral tentang nilai-nilai semboyan maja labo dahu kepada siswa. Kata Kunci:   semboyan,  maja labo dahu,  pendidikan karakter MAJA LABO DAHU SLOGAN IN CHARACTER EDUCATION Abstract: The purpose of this research was to reveal: (1) ) the values of the maja labo dahu slogan in character education; (2)  the implementation of   maja labo dahu  slogan  in character education; (3) the effectiveness of the implementation  of maja labo dahu  slogan in character education in Public MTs 1 Bima City. This research is a qualitative descriptive research using case study approach in Public MTs 1 Bima City. Informants in this study were principals, teachers, and students of Public MTs 1 Bima City. Determination of research was subjects conducted with purposive techniques. Data were collected through observation, interviews, and documentation. The results showed that: (1) The values of maja labo dahu slogan were in accordance with the values in character education, namely: religious values, honest, disciplined, independent, appreciating achievement and loving the homeland. (2) the implementation of maja labo dahu slogan in Public MTs 1 Bima City was not formulated explicitly or standardized as subject matter. (3) The slogan maja labo dahu has effectively provided moral knowledge about the values of maja labo dahu  to learners. Keywords: Maja labo dahu slogan,,  character education

scholarly journals PERAN PEMBIAYAAN MURABAHAH DALAM MENINGKATKAN USAHA BATU BATA (STUDI PADA BMT AS-SALAM KANTOR KAS NGERECO KANDAT KEDIRI)

1970 ◽  
Vol 5 (1) ◽  
pp. 64-76
Author(s):  
Muh Khoirul Anam ◽  
Haris Santoso
Keyword(s):  
Financial Institutions ◽  
Case Study Research ◽  
Lower Class ◽  
Qualitative Approach ◽  
Study Research ◽  
Islamic Financial Institutions ◽  
Conventional Banks ◽  
Depth Interviews

Financial institutions are currently needed by all people because financial institutions are considered to be quicker in providing business capital loans. Previously, conventional banks were the only financial institutions operating in the financial sector or loans to the community before Islamic financial institutions, now with the development of financial institutions sharia society mostly prefers sharia finance rather than conventional, plus BMT which operates in the middle to lower class, this is what causes many people to take Islamic financial institutions because they prioritize family systems, so this study focuses on: 1). How is the application of murabahah financing at BMT As-Salam to brick businesses in the Ngreco Kandat Kediri village, 2). What is the role of murabahah financing at BMT As-Salam towards brick business in the Ngreco Kandat Kediri village, 3). How did the brick business increase in the Kandat Kediri Ngreco village after obtaining murabahah financing at BMT As-Salam. Research on the role of murabahah financing in brick business uses a descriptive qualitative approach with a type of case study research that refers to the interpretive postpositivistic thinking paradigm. The technique of collecting data is in-depth interviews, observation and documentation. The results of this study indicate that the application of murabahah financing at BMT As-Salam is very different where loans for business capital of bricks that should use mudharabah or musyarakah at BMT These salads use murabaha. Besides that the role of BMT As-Salam is very influential on brick business and before BMT As-Salam arrived, brick entrepreneurs still had difficulty finding capital to improve their business but after taking murabahah financing at BMT As-Salam, their efforts experienced an increase and prosperity life.

scholarly journals Pengaruh Tingkat Penghimpunan Dan Penyaluran Dana Terhadap Rentabilitas (Studi pada Bank Perkreditan Rakyat Siliwangi Tasikmalaya)

2019 ◽  
Author(s):  
Tedi Rustendi
Keyword(s):  
Hypothesis Testing ◽  
Descriptive Analysis ◽  
Research Problem ◽  
Case Study Approach ◽  
Study Approach ◽  
Is Research

The influence of deposit and lending activities on rentability is research problem that want to answer. This research used case study approach of descriptive analysis, and based on data in range five years. Result of hypothesis testing at 95% confidance interval shown that variability value of rentability can explained by variability value of deposit and lending activities.

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