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 Penerapan Manajemen Risiko Kredit Pada Pembiayaan Syariah di Koperasi As Sakinah Sidoarjo

2018 ◽  
Vol 2 (1) ◽  
Author(s):  
Nur Laila
Keyword(s):  
Credit Risk ◽  
Qualitative Method ◽  
Secondary Data ◽  
Profit Sharing ◽  
Study Approach ◽  
Secondary Data Source ◽  
Data Source ◽  
Responsibility System

Credit risk is one of the most frequent risks in tough financing such as on financing using ijarah and murabahah contracts in Sharia financial institutions. The reason is due to mistakes in the analysis of financing applications and lack of cooperative readiness in managing and anticipating the possibility of risk exposure in the institution. In other hand, sharia cooperatives follow the principle of lost and profit sharing that requires a careful cooperative in managing their business in order to achieve the expected profit target.As Sakinah Cooperation Sidoarjo which has been operating for 19 years only experienced credit risk less than 1%. Therefore, this study is aimed to firstly understand and describe to what extent the implementation of risk management in sharia financing in As Sakinah Cooperation Sidoarjo is, and secondly, to understand and describe the credit risk settlement scheme that occurs in sharia financing in As Sakinah Cooperation Sidoarjo.This research used qualitative method, using a case study approach. Data are collected through interview technique at main source and documents and regulation of the cooperation as secondary data source. The data were analyzed through 3 (three) steps. They are data deduction, data display and conclusion and verification.The results show that the role of the group and the joint responsibility system become the key in reducing credit risk Keywords: management, risk, credit, Ijarah, Murabahah.

scholarly journals THE STUDY OF EDUCATIONAL HONESTY STAGES IMPLEMENTATION IN AN INDONESIAN SCHOOL

2019 ◽  
Vol 7 (4) ◽  
pp. 502-510 ◽  
Author(s):  
Fitriah M. Suud ◽  
Abd. Madjid ◽  
Sutrisno
Keyword(s):  
Data Analysis ◽  
Moral Education ◽  
Qualitative Method ◽  
Qualitative Data ◽  
Case Study Approach ◽  
Study Approach ◽  
The Third ◽  
Character Building ◽  
Research Show

Purpose of the study: This study aims to develop an honesty model of education in a school, especially to convey the stages, facilities, and infrastructure needed to carry out honesty education in a school. Methodology: This study used a qualitative method in a case study approach. Data collection was conducted in five ways, namely direct observation, observer as a participant, interviews, documentation, Soft and physical Devices The numbers of the participant were 29 teachers and 40 students. Activities in qualitative data analysis are carried out interactively and continuously and are holistic in nature. Therefore data analysis this study uses 3 steps to analyze research data. first, data reduction. Second, display data, the third is conclusion drawing or verification. Main Findings: The results of this research show that honesty culture can be implemented with a strong school system and with stages clearly. Applications of this study: This study can be useful in moral education or character building for students in a school Novelty/Originality of this study: The process of implementing honesty culture takes place through 4 stages. The first is protection, the second introduction, the third habituation inside and outside the classroom, and the fourth celebrations. The school compiles programs, policies and provides facilities and infrastructure that are oriented to the formation of an honesty culture for students and for all school members.

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 STRENGTHENING CHARACTER EDUCATION IN ELEMENTARY SCHOOL WITH INTERNATIONAL CURRICULUM (A Case Study at Bestari Utami Elementary School, Garut)

2021 ◽  
Vol 23 (3) ◽  
pp. 409
Author(s):  
Santi Susanti ◽  
Sukaesih Sukaesih
Keyword(s):  
Elementary School ◽  
Data Analysis ◽  
Character Education ◽  
Secondary Data ◽  
School Curriculum ◽  
Primary Data ◽  
Study Approach ◽  
School Learning ◽  
Analysis Models

Character education is necessary given to children from an early age, to manage their emotions and become individuals who have positive behavior for themselves and their surrounding environment in the future. The implication of good character education will make children do things consciously, committed, and competent, and grow into social beings who help each other, civilized and polite. This research aims to reveal the strengthening of character education for students at Bestari Utami elementary school in Garut. This school applies an entrepreneurial curriculum with international school learning methods, but still concerning character education to students based on the local cultural wisdom of Sundanese. This research uses a qualitative method with a case study approach. The primary data obtained through in-depth interviews with school managers and observations of learning activities at SD Bestari Utami. Secondary data obtained through literature and document reviews relevant to the research. Data analysis using interactive data analysis models from Miles and Huberman. The results showed that character education at SD Bestari Utami refers to equality and unity as a fundamental concept of school education. Children deserve to get quality education regardless of their ethnic, religion, and economic background. Strengthening character values based on Pancasila that comprises religious values, nationalism, independence, integrity, and cooperation are embodied through cultural arts lessons that are included in the school curriculum, as well as implementing learning that motivates children to be independent and able to work together with their friends. This study concludes that character education will be effective and give an impact if applied to students and school managers.

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 Manajemen Public Relations dan Reputasi Organisasi Lembaga Amil Zakat Dompet Dhuafa

2018 ◽  
Vol 2 (2) ◽  
Author(s):  
Ahmad Dimyati
Keyword(s):  
Public Relations ◽  
Single Case ◽  
Program Planning ◽  
Secondary Data ◽  
Evaluation Process ◽  
Primary Data ◽  
Study Approach ◽  
Programming Process ◽  
Main Message

ABSTRAKPenelitian ini bertujuan untuk mengetahui (1) metode identifikasi masalah Public Relations pada LAZ Dompet Dhuafa; (2) proses perencanaan dan pemrograman LAZ Dompet Dhuafa; (3) strategi aksi dan komunikasi LAZ Dompet Dhuafa; dan (4) proses evaluasi program LAZ Dompet Dhuafa. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi kasus eksploratif jenis single case holistic. Data primer dalam penelitian ini diperoleh melalui wawancara mendalam, sementara data sekunder bersumber dari studi pustaka dan dokumentasi. Hasil penelitian menunjukkan bahwa LAZ Dompet Dhuafa tidak melakukan riset khusus terkait perencanaan program; riset yang dilakukan hanya melalui fakta-fakta baru di lapangan melalui program-program yang sudah ada sebelumnya. Perencanaan program tematik dan nontematik LAZ Dompet Dhuafa dilakukan melalui rapat kerja tahunan, sementara pesan utama yang ingin disampaikan kepada pihak eksternal disampaikan melalui website resmi dan media sosial. Adapun evalusi program yang dilakukan tidak melibatkan publik eksternal. Kata Kunci: Manajemen Public Relations, zakat, Dompet Dhuafa ABSTRACTThis study aims to determine (1) the method of identifying problems of Public Relations at LAZ Dompet Dhuafa; (2) the planning and programming process of LAZ Dompet Dhuafa; (3) the strategy of action and communication of LAZ Dompet Dhuafa; and (4) the evaluation process of the LAZ Dompet Dhuafa program. This study uses a qualitative method with an explorative case study approach and single case holistic. The primary data in this study were obtained through in-depth interviews, while the secondary data were obtained from literature and documentation. The results of the study show that LAZ Dompet Dhuafa does not conduct specific research related to program planning; the research only carried out through new facts in the field through the pre-existing programs. The planning of thematic and non-thematic program is carried out through annual work meetings, while the main message to be conveyed to public (external) is delivered through the official website and social media. Meanwhile, the evaluation of the program did not involve the external public. Keywords: Public Relations management, zakat, Dompet Dhuafa

scholarly journals STRATEGI PENGELOLAAN SAMPAH PADA DINAS LINGKUNGAN HIDUP DAN KEHUTANAN KOTA KENDARI

2019 ◽  
Vol 2 (4) ◽  
pp. 56 ◽  
Author(s):  
Nur Intan ◽  
Abdul Kadir ◽  
Rahman Tandi
Keyword(s):  
Data Analysis ◽  
Management Strategy ◽  
Qualitative Data ◽  
Secondary Data ◽  
Waste Reduction ◽  
Operational Planning ◽  
Primary Data ◽  
Waste Generation ◽  
City Environment ◽  
Analysis Technique

This study used a descriptive qualitative research method with the technique of determining informants by purposive sampling. The technique of data collection is done by collecting primary data (interviews and observations) and collecting secondary data (literature studies and documentation). While the data analysis technique uses qualitative data analysis techniques.The results of this study indicate that the current waste management strategy at the Kendari City Environment and Forestry Service is quite maximal in overcoming waste generation. This can be seen from the strategic planning carried out by the Kendari City Environment and Forestry Service in the implementation of being able to increase the waste reduction target in carrying out its vision and mission of realizing Kendari which is clean and beautiful. While for operational planning at the Kendari City Environment and Forestry Service, it is still not optimal, it is faced with a related obstacle, namely the lack of technical staff available in their respective fields. This lack of a workforce can result in increasing volumes of waste every day because the population is not proportional to the number of employees, especially workers who handle the waste.

scholarly journals Analisis Penyelesaian Sengketa Terhadap Hak Merek Atas Putusan Geprek Bensu Melawan I Am Geprek Bensu

2021 ◽  
Vol 2 (1) ◽  
pp. 24-35
Author(s):  
Lompoh Egia Nuansa Pinem ◽  
Ni Luh Dwik Suryacahyani Gunadi
Keyword(s):  
Data Analysis ◽  
Intellectual Property ◽  
Dispute Resolution ◽  
Intellectual Property Rights ◽  
Qualitative Data ◽  
Secondary Data ◽  
Primary Data ◽  
Geographical Indications ◽  
Trade Disputes ◽  
Data Analysis Methods

In Indonesia, there are two forms of dispute resolution over Intellectual Property Rights. The first is through the litigation channel and the second is through the Non-Litigation route. Regarding trade disputes over trademark rights, the resolution is also through these two channels. This research specifically examines the settlement of trademark disputes between Geprek Bensu and I Am Geprek Bensu based on Law Number 20 of 2016 concerning Trademarks and Geographical Indications. This research uses research methods of normative law which is carried out through the collection of primary data and secondary data as well as by the literature approach. Data analysis in this study used qualitative data analysis methods.

scholarly journals Analysis on joint operation non administrative accounting models of property development firms and the impact on taxation

2020 ◽  
Vol 5 (01) ◽  
pp. 45
Author(s):  
Indar Khaerunnisa ◽  
Amrullah .
Keyword(s):  
Secondary Data ◽  
Profit Sharing ◽  
Primary Data ◽  
Joint Operation ◽  
Property Development ◽  
Financial Report ◽  
Study Approach ◽  
Joint Operations ◽  
Accounting Model ◽  
The Impact

This study aims to determine the accounting model in conducting joint operations (JO) by implementing non-administrative which consists of fix profit and percentage. Each fixed profit has three methods consisting of full revenue, profit sharing and PMK 261. The research used a descriptive qualitative method, with a case study approach. The study used primary data obtained from direct interviews with directly related parties conducting joint operations (JO or KSO). Meanwhile, the secondary data were obtained from the mutual agreement document and the financial report of the party conducting the joint operation (KSO). From the research results, it is obvious that the most recommended form of accounting is all forms according to PMK 261, both the fixed profit and percentage models. Keywords: Administrative Joint Operation, Non Administrative, Fixed Profit

scholarly journals Perencanaan Pengelolaan Keuangan Desa (Studi Kasus Pada Desa Tembokrejo Kecamatan Gumukmas Kabupaten Jember)

2021 ◽  
Vol 1 (1) ◽  
pp. 45-53
Author(s):  
Putri Izatul Azwa Amalia ◽  
Endro Sugiartono
Keyword(s):  
Data Analysis ◽  
Financial Management ◽  
Secondary Data ◽  
Management Plan ◽  
Primary Data ◽  
Management Planning ◽  
Study Approach ◽  
Analysis Technique ◽  
Management Plans ◽  
The Village

This study aims to explain the financial management planning of Tembokrejo Village, as well as analyze its suitability then provide an overview of the flowchart of village financial management planning according to Permendagri Number 20 of 2018. This research is a type of qualitative research with a case study approach using primary data and data. secondary data collection procedures, namely observation, interviews, and documentation. And the data analysis technique is a comparative analysis which tests the validity of the data using the triangulation technique. Then the activities in data analysis are data reduction, data presentation, and drawing conclusions and verification. The results of this study indicate that the financial management plan of Tembokrejo Village is in accordance with the village financial management plan according to Permendagri Number 20 of 2018, due to the presence of village assistants who help in the process of preparing village financial management planning. Therefore, a flowchart was designed, which could be used as a guide to assist village officials in the process of preparing village financial management plans independently. Keywords: Village Financial Management Planning

Sign in / Sign up

Export Citation Format

Share Document