scholarly journals Jaminan dalam Pembiayaan Mudharabah (Studi Kasus Perbankan Syariah di Indonesia)

2018 ◽  
Vol 1 (2) ◽  
pp. 199
Author(s):  
Faridatuz Zakiyah ◽  
Luqman Nur Hisam
Keyword(s):  
Moral Hazard ◽  
Qualitative Analysis ◽  
Research Method ◽  
Legal Framework ◽  
Special Consideration ◽  
Islamic Banks ◽  
Classical Concept ◽  
Descriptive Qualitative

<p><em>Mudharabah transactions are currently included in the main elements of a fairly risky position, because even though this system takes place due to cooperation between sahibul mall and mudharib, the implementation is quite difficult. Moreover, the practice carried out in banking is not exactly the same as the system applied with the classical concept, coupled with the existence of several new provisions such as the implementation of collateral in the mudharabah financing contract.</em><em></em></p><p><em>The purpose of this study is to find out analyzing the application of guarantees in mudharabah financing practiced by banks in Indonesia using the Islamic legal framework. The research method used in this study is descriptive-qualitative analysis. From this study it can be concluded that the application of guarantees in mudharabah financing in Islamic banks is absolutely required. Because the thing that becomes a special consideration is to avoid things that cause harm to one party. In this case an aspect of assymetric information which in this situation will create moral hazard.</em><em></em></p>

scholarly journals LEARNING EFFECTIVENESS ON TRAINING BASED ON TEAMS LEARNING TOURNAMENT MODEL AND GOOGLE CLASSROOM APPLICATION

2021 ◽  
Vol 14 (2) ◽  
pp. 208-222
Author(s):  
Firdos Mujahidin
Keyword(s):  
Qualitative Analysis ◽  
Research Method ◽  
Skill Score ◽  
Learning Model ◽  
Learning Effectiveness ◽  
Learning Models ◽  
Islamic School ◽  
Teachers Training ◽  
Descriptive Qualitative

The study aims to determine learning effectiveness on training based on the Teams Learning Tournament (TLT) model combined with Google Classroom application.  The research method used is descriptive qualitative collected through observation and qualitative analysis.  The research was conducted in 2020 held in Teachers’ Training of Basic Islamic School (MI) Pangandaran. The results showed that TLT learning model combined with Google Classroom application can manage learning effectively.  The results showed that TLT learning models supported by the Google Classroom app can effectively manage learning, which can be seen from an increase in attitudes in liveliness of up to 100%, an average knowledge increase of 80.75% and the skills of participants can skillfully compose a predetermined learning product with an average skill score of 85.86. TraineesTLT learning model and Google Classroom application can also be separated to manage learning, but it will be more effective if those two are combined in learning.

scholarly journals Struktur dan Sifat Pelesapan dalam Cerita Rakyat Bali

2021 ◽  
Vol 11 (1) ◽  
pp. 97
Author(s):  
Made Ratna Dian Aryani
Keyword(s):  
Qualitative Analysis ◽  
Fairy Tales ◽  
Research Method ◽  
Fairy Tale ◽  
Word Class ◽  
Structural Part ◽  
Data Source ◽  
Nominal Ellipsis ◽  
Descriptive Qualitative

The focus of this article is about ellipsis that occurs in the discourse in the Balinese folklore. Ellipsis is a part of the cohesiveness of a discourse so that it becomes a complete discourse. The research method used is descriptive qualitative analysis. This study uses ellipsis theory from Halliday and Hasan which is supported by McCarthy's ellipsis deixis theory. The data source was taken from a collection of tales in the Balinese language, namely the book Pupulan Satua Bali II. The results of this study indicate that the ellipsis that occurs in the book of fairy tales is in the form of nominal ellipsis which refers to humans (people) in the conversation and story prologue, verbal ellipsis that occurs in fairy tale conversations, refers to lexical ellipsis in the verb word class, and the ellipsis of clauses because clauses are considered as expressions of speech functions, such as statements, questions, responses, and clauses that have a structural part consisting of core and propositional elements. Even though there is an ellipsis, the process of conveying the content and message of the story is still effective.

scholarly journals Implementasi Aplikasi Penilaian Autentik Berbasis Excel oleh Guru dalam Pembelajaran di SMP Negeri 2 Kayangan

2020 ◽  
Vol 7 (3) ◽  
pp. 232
Author(s):  
Indah Iswantari
Keyword(s):  
Data Analysis ◽  
Qualitative Analysis ◽  
Research Method ◽  
Monitoring And Evaluation ◽  
Research Instrument ◽  
Analysis Techniques ◽  
Descriptive Research ◽  
Assessment Indicator ◽  
Descriptive Qualitative

The purpose of this research is to find out the implementation of authentic excel-based assessment by teachers in learning at SMP Negeri 2 Kayangan. The research method used was descriptive research with 17 subjects. The research instrument used was the monev sheet (monitoring and evaluation). While the data analysis techniques of this study used descriptive qualitative analysis techniques. The results of this study indicate that teachers of SMP Negeri 2 Kayangan have been able to implement authentic based excel assessments very well in their learning. The results of the Monitoring and Evaluation carried out showed that the majority of teachers received a score of 4 (very good) in each assessment indicator.

scholarly journals Transparency of Financial Information on Crowdfunding Platforms – A Prerequisite for Successful Funding Campaigns

2018 ◽  
Vol 24 (2) ◽  
pp. 37-42
Author(s):  
Mina Fanea-Ivanovici
Keyword(s):  
Moral Hazard ◽  
Qualitative Analysis ◽  
Necessary Conditions ◽  
Legal Framework ◽  
Fair Use ◽  
Financial Information ◽  
Information Transparency ◽  
Start Up ◽  
Social Causes

Abstract Crowdfunding, a relatively novel internet-based non-banking funding instrument for startups, innovative, creative or prosocial projects, implies that funders (donors or lenders) and fund seekers (project initiators) interact on a crowdfunding platform. The goal of fund seekers is to raise the necessary amount of money to finance their project, while donors are backers of business or research ideas, social causes or start-up companies. Existing research has proven that for a crowdfunding campaign to succeed, one condition is for the crowdfunding platform to provide the adequate technical functionalities that ensure sufficient financial information both during and after the campaign (such as how the money was used and how the money was returned if the project failed) but also the legal framework through a solid contract between the platform and the fund seeker that can prevent moral hazard of the latter. The purpose of this study is to perform a qualitative analysis of the active crowdfunding platforms in Romania in terms of financial information transparency and to determine whether they fulfil the necessary conditions to ensure fair use of donations by project initiators and distribution of reward to donors

PERLAKUAN AKUNTANSI ATAS PAJAK PERTAMBAHAN NILAI DI KOPERASI PEGAWAI BADAN URUSAN LOGISTIK (KOPEL)

2018 ◽  
Vol 3 (1) ◽  
pp. 101-110
Author(s):  
Cahyadi Husadha ◽  
Yuliana Melviani
Keyword(s):  
Qualitative Analysis ◽  
Research Method ◽  
Accounting Standards ◽  
Value Added ◽  
Financial Accounting ◽  
Analysis Method ◽  
Value Added Tax ◽  
Tax Accounting ◽  
Descriptive Qualitative

This study aims to determine the accounting treatment and compliance of deposits of Value Added Tax on the activities of the delivery and the acquisition of Taxable Goods and Taxable Services in the Cooperative Employees Agency Logistics Affairs (KOPEL). This research method using descriptive qualitative analysis method which arranged in accordance with the plan about sale and purchase transactions and SPT Period VAT every month. The results of this study indicate that the Cooperative Employees Agency Logistics Agency (KOPEL) has implemented the recording of Value Added Taxes in 2015 which has been guided by the Financial Accounting Standards (SAK) applicable in Indonesia. Further discussion and research are described in the paper. Keywords: value added tax, accounting compliance

scholarly journals Pelaksanaan Jaminan Fidusia Pada Pembiayaan Murabahah Di Bank Bni Syariah Kantor Cabang Probolinggo

2021 ◽  
Vol 7 (1) ◽  
pp. 10
Author(s):  
Sofian Syaiful Rizal ◽  
Insyiah Insyiah
Keyword(s):  
Qualitative Research ◽  
Research Method ◽  
Research Process ◽  
Moving Object ◽  
Islamic Banks ◽  
Legal Certainty ◽  
Legal Process ◽  
Good Intention ◽  
Branch Office ◽  
Descriptive Qualitative

The practice of implementing fiduciary guarantees on murabahah financing at Bank BNI Syariah provides legal certainty for Islamic banks as creditors. Given that many Islamic banks have implemented fiduciary guarantees as additional collateral for murabahah financing, the research method used is descriptive qualitative research. After the research process has been carried out, In practice, the fiduciary security must first be registered at the fiduciary security office, which Bank BNI Syariah represents to a notary. If there is a debtor default at Bank BNI Syariah, it will be resolved by sharia principles, namely by providing guidance and visits to the debtor. If there is still no good intention from the debtor to carry out their obligations then Bank BNI Syariah will execute objects bound by fiduciary by legal process. The conclusion is that the implementation of the fiduciary guarantee policy at the Bank BNI Syariah Probolinggo Branch Office must use a fiduciary binding as long as the murabahah object is a moving object.

scholarly journals Optimalisasi Pembangunan Sumber Daya Manusia Indonesia dalam Menghadapi Era Globalisasi

2020 ◽  
Author(s):  
Angelly Rantika Putri
Keyword(s):  
Human Resources ◽  
Qualitative Analysis ◽  
Social Environment ◽  
Education System ◽  
Research Method ◽  
Human Resources Development ◽  
Demographic Dividend ◽  
Health And Nutrition ◽  
Resources Development ◽  
Descriptive Qualitative

Indonesia is predicted to experience demographic dividend from 2020 to 2030, which means that the population of productive age will be greater than the population of non-productive age, so Indonesia needs to prepare quality human resources to optimize opportunities for demographic dividend. The writing of this article aims to analyze the things that must be done by Indonesia in optimizing human resources development to face the era of demographic dividend. The research method used is descriptive qualitative analysis of factors that support human resources development. The results of this study indicate that Indonesia needs to improve and strengthen the education system, social environment conditions, health and nutrition, infrastructure facilities, and jobs to create superior human resources. Human resources development also needs sensitivity from the community to be critical of every policy and to help the success of the government's program. That way, Indonesia can optimize opportunities from demographic dividend. Human resources development can be a solution to create superior human resources who are ready to face the era of demographic dividend, so that Indonesia can maximize opportunities to improve and strengthen the country's economy.

Pengaruh Modal Sosial Terhadap Perkembangan Pariwisata di Kepulauan Riau

2020 ◽  
Vol 3 (1) ◽  
Author(s):  
Nurul Nadjmi
Keyword(s):  
Social Capital ◽  
Qualitative Research ◽  
System Approach ◽  
Research Method ◽  
Analytic Approach ◽  
Community Groups ◽  
Study Strategy ◽  
Direct Observations ◽  
Descriptive Qualitative

Kepulauan Riau merupakan provinsi yang terdiri dari beberapa pulau diantaranya Pulau Batam, Pulau Bintan dan Pulau Karimun. Modal sosial merupakan serangkaian nilai dan norma informal yang dimiliki oleh kelompok masyarat dalam membagun kerjasamanya. Lingkup penelitian pada pembahasan ini adalah terfokus pada pengaruh modal sosial terhadap perkembangan pariwisata di Kepulauan Riau dalam hal ini Pulau Batam, Pulau Bintan, dan Pulau Karimun. Metode penelitian yang digunakan dalam penelitian ini adalah penelitian deskriptif kualitatif. Penelitian ini dikondisikan sebagai penelitian kualitatif melalui strategi studi kasus. Sistem pendekatan yang digunakan juga merupakan pendekatan deskriptif analitik. Melakukan pengamatan langsung, mengumpulkan data-data kemudian menghubungkannya dengan kajian teori yang digunakan. Lokus penelitian ini terdapat di Kepulauan Riau dengan melihat pengaruh modal sosial pada perkembangan pariwisata di ketiga pulau yaitu Pulau Batam, Pulau Bintan dan Pulau Karimun. Berdasarkan hasil survey yang saya lakukan di Kepulauan Riau, terutama pada ketiga pulau yaitu Pulau Batam, Pulau Bintan, dan Pulau Karimun, dari ketiga pulau tersebut ternyata pada Pulau Karimun perkembangan pariwisatanya tidak terlalu berkembang karena masyarakat yang tidak menerima adanya wisatawan terutama wisatawan mancanegara. Riau Islands is a province consisting of several islands including Batam Island, Bintan Island and Karimun Island. Social capital is a set of informal values ​​and norms that are owned by community groups in building cooperation. The scope of research in this discussion is focused on the influence of social capital on the development of tourism in the Riau Islands, in this case Batam Island, Bintan Island, and Karimun Island. The research method used in this research is descriptive qualitative research. This research is conditioned as qualitative research through a case study strategy. The system approach used is also a descriptive analytic approach. Make direct observations, collect data and then relate it to the study of the theories used. The locus of this research is in the Riau Islands by looking at the influence of social capital on the development of tourism in the three islands, namely Batam Island, Bintan Island and Karimun Island. Based on the results of a survey I conducted in the Riau Islands, especially on the three islands, namely Batam Island, Bintan Island, and Karimun Island, of the three islands, it turns out that on Karimun Island the development of tourism is not very developed because people do not accept tourists, especially foreign tourists.

AKAD FINANCING OF MURABAHAH BETWEEN CUSTOMERS WITH MUAMALAT BANKS HARKAT VIEWED FROM SHARI'AH PRINCIPLES

2020 ◽  
Vol 10 (1) ◽  
pp. 13-26
Author(s):  
Candra Irawan ◽  
Adi Bastian ◽  
Febrozi Rohadi
Keyword(s):  
Data Collection ◽  
Financial Institutions ◽  
Research Method ◽  
Economic Condition ◽  
Field Research ◽  
Comprehensive Analysis ◽  
Islamic Banks ◽  
Legal Research ◽  
Trading System ◽  
Library Research

Currently in Indonesia Islamic Bank has gained a place and interested in the community, causing many emerging Syari'ah Bank and Financial Institutions of the syari'ah, and products in Islamic banks are widely used is murabahah financing. The formulation of the problem in this research are: (1). How is the implementation of the sale and purchase through murabahah financing between Bank Muamalat Harkat with customers. (2). Is trading system murabahah financing between Bank Muamalat Harkat and customers have been according to the principles of Syari’ah. (3). How murabahah financing efforts to resolve the breach between the customer and Muamalat Harkat. This research method is empirical legal research, this study was conducted in Bank Muamalat Harkat based data collection through field research such as interviews, observation and description as well as information from respondents through library research. The results of this research are: before an agreement Bank to assess carefully the prospective customer in the form of a comprehensive analysis and is divided into several stages, such as the assessment using the principle of 5C Character (Character of the debitor), Chapacity (Capability Candidate Debitor) , Capital (Capital candidate Debitor), Collateral (Collateral candidate Debitor) and Condition of economy (economic condition of the prospective Borrower). Trading system murabahah financing between Bank Muamalat Harkat with the customer has not fully based on the principles of the Syari'ah. Murabahah financing efforts to resolve the defaults can be solved by R3 is Restrukturing (Arrangement Back), Reconditioning (Terms Back) and Rescheduling (rescheduling), sales collateral and auction execution. 

Analisis Efektivitas Distribusi Zakat Produktif Dalam Meningkatkan Kesejahteraan Mustahik (Studi Kantor Cabang Rumah Zakat Sumatera Utara)

2019 ◽  
Vol 4 (1) ◽  
pp. 137
Author(s):  
Mulkan Syah Riza
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Qualitative Analysis ◽  
Field Research ◽  
Qualitative Approach ◽  
North Sumatra ◽  
Descriptive Method ◽  
Descriptive Qualitative

This study aims to explain how the distribution of productive zakat in the Rumah Zakat North Sumatra and how the effectiveness of productive zakat distribution in improving the welfare of mustahik in the Rumah Zakat North Sumatra. This study uses a qualitative approach with a type of descriptive method, which is a problem that guides researchers to explore and photograph situations that will be thoroughly investigated, broadly and deeply. Data collection techniques with field research, while the tools used are observation, interviews and documentation. Data analysis used is descriptive qualitative analysis. The results of this study inform that in distributing productive zakat funds, Rumah Zakat is in accordance with Law No. 23 of 2011 concerning Management of Zakat. The distribution of productive zakat carried out by the Rumah Zakat North Sumatra through the Senyum Mandiri Program to mustahik in Medan Helvetia Subdistrict has been effective, because it can improve the welfare of mustahik, this is evidenced by the income of eight of thirteen mustahik people in total, five people whose income is fixed and four out of eight people whose income has increased has reached the level of muzaki.

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