scholarly journals IMPLEMENTASI MANAJEMEN RESIKO PEMBIAYAAN MUDHARABAH PADA KOPERASI JASA KEUANGAN SYARIAH (STUDI KASUS PADA KOPERASI JASA KEUANGAN SYARIAH AL ABRAR)

2020 ◽  
Vol 7 (1) ◽  
pp. 162
Author(s):  
Ady Wena Pramudya ◽  
Puji Sucia Sukmaningrum
Keyword(s):  
Risk Management ◽  
Financial Services ◽  
Descriptive Analysis ◽  
Risk Control ◽  
Case Study Research ◽  
Secondary Data ◽  
Primary Data ◽  
Analysis Technique ◽  
The City

This study aims to analyze the implementation of Mudharabah Financing in the Al Abrar Islamic Financial Services Cooperative in the city of Surabaya. Sharia financial services cooperatives require a series of procedures and methodologies that can be used to identify, assess, mitigate and evaluate risks arising from Mudharabah financing. This study uses a qualitative approach with case study research methods. The technique of collecting data uses direct interviews, documentation and observation. Purposive techniques are used in determining the unit of analysis. The analysis technique used is narrative-descriptive analysis, which describes the results of interviews and direct observation. Then to find out the validity of the data, researchers used triangulation techniques by matching the findings of primary data and secondary data. The results of this study indicate that Al Abrar Surabaya Islamic Financial Services Cooperative processes the risk management at the stage of identification, assessment, mitigation and risk control. This can be indicated through the way the Al Abrar Financial Services Cooperative deals with customers who fail to pay.Keywords: Risk Management, Risk, Customers, Islamic Financial Services Cooperatives

scholarly journals Zakat Produktif Dalam Keberhasilan Usaha Mustahiq Ditinjau Dari Indikator Peningkatan Modal, Peningkatan Pendapatan, Peningkatan Jumlah Konsumen, Peningkatan Produksi dan Peningkatan Amal Jariyah Mustahiq (Studi Kasus LAZ Inisiatif Zakat Indonesia Cabang Jawa Timur)

2020 ◽  
Vol 6 (11) ◽  
pp. 2291
Author(s):  
Rachmat Darmawan ◽  
Sunan Fanani
Keyword(s):  
Descriptive Analysis ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Primary Data ◽  
Business Success ◽  
Case Study Method ◽  
Analysis Technique ◽  
The City

This study aims to analyze the role of productive zakat managed by LAZ IZI, which has a role in increasing the success of mustahiq businesses in the city of Surabaya. There are five standards that can be used to measure the increase in business success of mustahiq, namely the standard of increasing capital, increasing income, increasing production, increasing the number of consumers and charity jariyah mustahiq. This study uses a qualitative approach with a case study method. The technique of collecting data uses direct interviews, documentation and observation. The analysis technique used is narrative-descriptive analysis. Then to find out the validity of the data, the researcher used the triangulation technique by cross checking the findings of primary data and secondary data. The results of this study were that the three informants experienced an increase in capital, an increase in income, an increase in production, an increase in the number of consumers and an increase in charity after receiving assistance. The informants felt the business they had run had success. The success of the informant's business can be seen from the increase in all indicators mentioned. Supervision and mentoring carried out by LAZ IZI Surabaya was felt very useful in motivating and encouraging continuous effort. In addition, they are able to set aside a portion of the assets to be given to those who are entitled.Keywords: Productive Zakat, Mustahiq, Utilization, Business Success

scholarly journals PENDAYAGUNAAN ZAKAT, INFAQ, DAN SHADAQAH BAZNAS GRESIK DALAM PEMBERDAYAAN EKONOMI MASYARAKAT DESA BABAKSARI MELALUI PROGRAM GRESIK

2020 ◽  
Vol 7 (12) ◽  
pp. 2296
Author(s):  
Nurud Diana Syafaati ◽  
Lina Nugraha Rani
Keyword(s):  
Data Collection ◽  
Research Methodology ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Primary Data ◽  
Economic Empowerment ◽  
Village Community ◽  
Analysis Technique

ABSTRAKPenelitian ini bertujuan untuk mengetahui pendayagunaan dana ZIS dalam pemberdayaan ekonomi masyarakat Desa Babaksari Kecamatan Dukun melalui program Gresik Berdaya dengan memberikan bantuan ternak bergulir yang dilakukan oleh BAZNAS Kabupaten Gresik. Metodologi penelitian yang digunakan adalah pendekatan kualitatif, dengan strategi studi kasus. Pengumpulan data yang dilakukan dengan wawancara sepuluh mustahiq penerima bantuan ternak bergulir, dua perangkat desa, dan tiga pihak dari BAZNAS Kabupaten Gresik. Data yang digunakan yaitu data primer dan data sekunder. Adapun pengumpulan data dilakukan dengan teknik observasi, wawancara, dan dokumentasi. Teknik analisis yang digunakan adalah analisis deskriptif. Berdasarkan hasil penelitian diperoleh bahwa pendayagunaan dana ZIS oleh BAZNAS Kabupaten Gresik dalam hal ini Program Gresik Berdaya di Desa Babaksari Kecamatan Dukun disalurkan dalam rangka memberdayakan masyarakat dan pendampingan untuk meningkatkan ekonomi dan pengetahuan. Ternak bergulir merupakan model pendayagunaan zakat produktif oleh Program Gresik Berdaya dalam meningkatkan pendapatan mustahiq yang menurut peneliti sudah optimal. Hal tersebut dibuktikan dengan telah meningkatnya pendapatan serta kesejahteraan penerima bantuan ternak bergulir yang telah berhasil bergulir tiap tahunnya.Kata Kunci: Mustahiq, pemberdayaan ZIS, Pendayagunaan. ABSTRACTThis study aims to determine the efficient use of ZIS funds in the economic empowerment of the Babaksari Village community, Dukun District through the Gresik Berdaya program by providing revolving livestock assistance carried out by BAZNAS Gresik Regency. The research methodology used is a qualitative approach, with a case study strategy. Data collection was carried out by interviewing ten mustahiq recipients of revolving livestock assistance, two village officials, and three parties from BAZNAS, Gresik Regency. The data used are primary data and secondary data. The data collection was done by using observation, interview, and documentation techniques. The analysis technique used is descriptive analysis. Based on the research results, it was found that the utilization of ZIS funds by BAZNAS Gresik Regency, in this case, the Gresik Berdaya Program in Babaksari Village, Dukun District, was channeled to empower the community and provide assistance to improve the economy and knowledge. Rolling livestock is a model for the utilization of productive zakat by the Gresik Berdaya Program in increasing mustahiq's income, which according to researchers is optimal. This is evidenced by the increasing income and welfare of the recipients of revolving livestock assistance which have been successful in rolling every year.Keywords: Mustahiq, ZIS Empowerment, Utilization

scholarly journals Descriptive Analysis of Financial Literacy SMEs in Bandung

2021 ◽  
Vol 12 (1) ◽  
pp. 9-15
Author(s):  
Asni Harianti ◽  
Maya Malinda ◽  
Miki Tjandra ◽  
Devas Kambuno
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Financial Management ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Management Training ◽  
Primary Data ◽  
Five Dimensions ◽  
The Government ◽  
The City

One of the supporting factors for the success of MSME is determined by the intelligence of managing finances or known as financial literacy. Financial literacy is a basic requirement that must be possessed by MSME entrepreneurs which is closely related to the knowledge of personal and business financial management, as well as knowledge to gain access to capital through financial services or institutions. This descriptive study aims to see a picture of the level of financial literacy in SMEs in Bandung. The type of data used in this study are primary data and secondary data Primary data obtained through surveys using a questionnaire to see the level of financial literacy (Financial Fitness Quis / FFQ) developed by O'Neil. The questionnaire consisting of 20 practical financial statements, covering 5 (five) dimensions of financial management, was distributed to 343 SMEs in the city of Bandung. Secondary data obtained through observation and study of literature relating to research problems. The results of the study show that MSMEs in the city of Bandung must take actions that need to be considered in the future to improve their finances to avoid financial difficulties. As a form of concern for MSMEs in the city of Bandung and as a form of support for the government, researchers are trying to alleviate the illiteracy of financial actors of MSMEs through appropriate financial management training and making of a simple financial application program SAKA (peSAK Abdi).

scholarly journals Efforts To Improve Regional Original Income of Medan City Through Hotel Taxes

2020 ◽  
Author(s):  
Deasy Arisandy Aruan ◽  
Dianty Putri Purba
Keyword(s):  
Data Analysis ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Tax Revenue ◽  
Local Revenue ◽  
Data Analysis Technique ◽  
Analysis Technique ◽  
The City

The purpose of this research is to find out how the contribution of Hotel Taxes in increasing the Regional Original Income of Medan City and what are the efforts in increasing the hotel tax. Sources of data used in this research are secondary data, namely in the form of targets and realization of hotel tax revenue and realization of local revenue Medan City from 2016 to 2018. The data analysis technique used in this study is to use descriptive analysis. Hotel Tax to Local Own Revenue is to compare the actual value of Hotel Tax with the realization of Local Own Revenue in Medan City. The results show that in 2016-2018, the contribution of Hotel Tax in the city of Medan increased every year. In contrast to the contribution, the value of the realization of Regional Original Income tends to fluctuate because, in 2016-2017, it increased, while in 2018, the realization value decreased.

scholarly journals Pengembangan Program Studi Perbankan Syariah Berbasis Integrasi Peran Bank Syariah Bagi Sektor Riil UMKM

2021 ◽  
Vol 7 (2) ◽  
Author(s):  
Tri Mulato ◽  
Sudirman Sudirman ◽  
Kamaruddin Kamaruddin ◽  
Iryani Iryani
Keyword(s):  
Field Research ◽  
Secondary Data ◽  
Primary Data ◽  
Research Theme ◽  
Analysis Technique ◽  
Qualitative Descriptive ◽  
Data Source ◽  
Banking Institution ◽  
The City

Sharia banking are interested in getting involved channeling financing to the real sector of SMEs, including Bank BNI Syariah Makassar and Bank Panin Dubai Syariah Makassar. The purpose of this study is to determine the development of SMEs financing provided by sharia banking. Then to find out the role of sharia banking for the distribution financing for SMEs in the city of Makassar. As well as to find out the form of integration of the development of the department of sharia banking UIN Alauddin Makassar, through the distribution of financing for SMEs in sharia banking institution. This type of research is a field research, by taking data directly. The nature of the research is qualitative. The data source uses primary data and secondary data related to the research theme. The data analysis technique used in this research is qualitative descriptive, which describes the objects in the study. The results of this study indicate the development of the distribution of financing in sharia banking reaching 15.93 percent. Then Bank BNI Syariah and Bank Panin Dubai Syariah Makassar channeled financing to SMEs sector, reaching 20 percent. The form of integration in the development of departement sharia banking is by presenting courses on object management of financing sharia banking and courses on SMEs business.

scholarly journals The Potential of Poverty in the City of Palangka Raya: Study SMIs Affected Pandemic Covid 19

2020 ◽  
Vol 3 (3) ◽  
pp. 1626-1634
Author(s):  
Pipit Anggriati Ningrum ◽  
Alexandra Hukom ◽  
Saputra Adiwijaya
Keyword(s):  
Qualitative Research ◽  
Case Study Research ◽  
Secondary Data ◽  
Study Research ◽  
Sales And Marketing ◽  
The Impact ◽  
The City ◽  
Depth Interviews ◽  
Detrimental Impact

This study aims to analyze the increasing potential for poverty in the city of Palangka Raya from the perspective of SMIs due to the impact of the 19th COVID pandemic. The data was obtained based on the results of in-depth interviews from February to April 2020 with 10 SMIs and supported from secondary data from the Central Statistics Agency. The data is processed based on qualitative research principles based on the type of case study research. In the results of this study it was found that the SMIs experienced a very detrimental impact in terms of sales and marketing of products so that employees who come to work are terminated indefinitely, in this connection it appears that there is potential increases in poverty that can occur in the future come.

Implementasi Pelatihan Pemanfaatan TIK Bagi Guru Sekolah Binaan KB Sya’roniyah Purwogondo

2021 ◽  
Vol 2 (2) ◽  
pp. 191-204
Author(s):  
Muhammad Nofan Zulfahmi
Keyword(s):  
Online Learning ◽  
Human Resources ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Primary Data ◽  
Training Process ◽  
Material Evaluation ◽  
Analysis Technique ◽  
Information And Communication ◽  
Training Activities

Information and Communication Technology (ICT) is one of the important aspects in online learning for human resources (HR) in the target schools, namely teachers. Management of ICT needs for human resources of teachers in a fostered school (sekolah binaan) can be done by conducting a training. The purpose of this study is to describe the training process carried out by the PGPAUD FTIK Unisnu Jepara school fostering team and the effectiveness of the training activities. This type of research is descriptive with a qualitative approach. Research informants came from KB Sya'roniyah teachers, with 12 people. The types of data used are primary data and secondary data. while, the data collection methods are observation, interviews and documentation. Data analysis technique in this research is descriptive analysis with data testing method using triangulation. The results of the study show that the training process for teachers of the Sya'roniyah KB Purwogondo schools had several stages, those are needs analysis, training objectives, and determining the training program material. Evaluation is carried out to verify the effectiveness of the training. Based on the results of the evaluation of the training activities showed a positive response from the training participants. The ICT utilization training attended by the Sya'roniyah KB teacher was effective because the creativity of the teachers in using ICT after attending the training had increased and the level of parental complaints against online learning had also decreased.

MODERATING EFFECT OF ECONOMIC GROWTH ON FINANCIAL PERFORMANCE OF MERGED INSTITUTIONS

2017 ◽  
Vol 1 (1) ◽  
pp. 38
Author(s):  
Dr. Agnes Ogada ◽  
Dr. George Achoki ◽  
Dr. Amos Njuguna
Keyword(s):  
Economic Growth ◽  
Financial Performance ◽  
Financial Services ◽  
Panel Data Analysis ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Moderating Effect ◽  
Primary Data ◽  
The Government ◽  
To Come

Purpose: The purpose of the study was to determine the moderating effect of economic growth on financial performance of merged institutions Methodology: The study adopted a mixed methodology research design. The study population included all the 51 merged financial service institutions in Kenya. Purposive sampling was used. Primary data was obtained from questionnaires and a secondary data collection template was also used. The researcher used quantitative techniques in analyzing the data. Descriptive analysis for the study included the use of means, frequencies and percentages.  Inferential statistics such as correlation analysis was also used. Panel data analysis was also applied. Further, a pre and post merger analysis was used.Results: There was a significant relationship between the moderating effect of economic growth and financial performance of merged institutions.Unique contribution to theory, practice and policy: The government and Central Bank of Kenya to come up with strategies and policies to protect the financial services sector due to its immense contribution to the economy of the country by formulating policies aimed at controlling the effects of rapid fluctuations of the macro economic factors and their effects on the sector.

scholarly journals SWOT Analysis As A Determiner Of Marketing Strategy At b Hotel Bali & Spa Denpasar

2021 ◽  
Vol 4 (1) ◽  
pp. 41-47
Author(s):  
Ni Putu Sri Prajayanti ◽  
◽  
I M Sudana ◽  
I G M Karma ◽  
◽  
...  
Keyword(s):  
Data Collection ◽  
Marketing Strategy ◽  
Swot Analysis ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Data Sources ◽  
Primary Data ◽  
Analysis Technique ◽  
Qualitative Descriptive ◽  
Internal And External Factors

This research aims to determine the marketing strategy that must be taken from the results of the SWOT analysis at the b Hotel Bali & Spa Denpasar. This study uses primary data sources and secondary data sources with data collection methods through interviews, observation and questionnaires. The analysis technique used is a qualitative descriptive analysis technique, namely the SWOT analysis technique which explains, first, the data collection stage at the Bali Hotel & Spa Denpasar regarding the identification of internal and external factors in the form of strengths, weaknesses, opportunities, and threats, the second is the analysis stage, and third namely the stage of decision making to determine the strategy to be taken by the company. The research results from the SWOT analysis show that the company is in quadrant I, where it shows a problem regarding for the strength to see opportunities where the strategy taken is the SO strategy used to be applied in developing strategies that can be suggested at management b Hotel Bali & Spa Denpasar, to can improve the progress of the hotel going forward.

scholarly journals Marketing Activities in the Fruit Industry: Case Study of Banana in Khoai Chau District, Hung Yen Province, Vietnam

2021 ◽  
pp. 42-52
Author(s):  
Nguyen Van Phuong ◽  
Do Quang Giam ◽  
Vu Thi Hai
Keyword(s):  
Descriptive Analysis ◽  
Secondary Data ◽  
International Markets ◽  
Primary Data ◽  
Face To Face ◽  
Market Participants ◽  
Business Operations ◽  
Marketing Activities ◽  
Grower Association

Aims: The study aims to overview about the marketing activities of banana industry in Vietnam based on the case study in Khoai Chau district, Vietnam. Methodology: Both primary and secondary data were used in this study. Primary data was collected through face-to-face interviews and mobile phone with market participants using semi-structured questionnaire in two year 2016 and 2019. The descriptive analysis method was used to describe channels of distribution, marketing practices of farmers and traders, flow of product from producers to consumers, and problems that banana farmers and traders encounter in their business operations. Results: The results show that banana was sold through 13 channels for both domestic and international markets. At traders’ level market, non-contract was popularly applied by retailers in both selling and buying operations. Majority of banana growers have small operations and engage in small transactions and individually with buyers. They do not have market power in setting the price. They are often faced with unstable price and difficulty in entering high income market. Establishing banana grower association in each commune would enable growers to maintain and monitor the quality of banana especially among small growers. Though collective marketing, they can link with large and stable potential markets such as supermarkets and other institutional buyers.

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