scholarly journals Program Paket Masa Depan BPTN Syariah Perspektif Fiqh Muamalah

2021 ◽  
Vol 4 (2) ◽  
pp. 121
Author(s):  
Fathul Khair
Keyword(s):  
Data Collection ◽  
Commercial Banks ◽  
Main Product ◽  
Field Research ◽  
Mobile Marketing

<p>Until 2018, BTPN Syariah's profits have reached Rp. 7.27 trillion and making BTPN Syariah one of the largest Islamic commercial banks (BUS) in Indonesia. This is due to BTPN Syariah's main product, Paket Masa Depan (PMD) program. However, in the implementation of the PMD program in Depok's mobile marketing Syariah (MMS) Sleman district, some parties do’t understand the contents of the PMD contract so they think PMD financing was the same as loans that benefit from interest. This research is a field research. This research aims to describe and analyze BTPN Syariah PMD program in MMS Depok muamalah fiqh perspective. Data collection in this study was obtained from interviews, observations, and documentation. The results of this study are the implementation of PMD in MMS Depok not in accordance with company regulations and fiqh muamalah. PMD implementation mistakes at MMS Depok namely; does not submit a murabahah contract, so that carrying out financing raises the perspective of interest loans; the customer deviates from the use of funds that are’t in accordance with the agreement; the object of the contract in financing is money, not goods; predetermined financial ceiling; and customers cannot withdraw their wadiah savings at any time but by ordering and can only be compile by routine meeting sentra.</p>

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.

PENERAPAN GREEN COMPUTING PADA KUISIONER INSTRUMEN PENILAIAN KINERJA DOSEN DI POLITEKNIK NEGERI SUBANG

2020 ◽  
Vol 1 (1) ◽  
Author(s):  
Nunu Nugraha Purnawan
Keyword(s):  
Data Collection ◽  
Literature Review ◽  
Performance Assessment ◽  
Research Method ◽  
Field Research ◽  
Green Computing ◽  
Assessment Instrument ◽  
Computer Hardware ◽  
Model Free ◽  
Collection Methods

The lecturer's performance assessment by students in the form of an online Lecturer Performance Assessment Instrument Questionnaire (KIPKD) is in line with the work concepts of Green Computing by utilizing computer hardware and software better, more efficiently and more useful. KIPKD online POLSUB uses Google Forms, because it has an attractive and responsive look, provides a fairly complete choice of stuffing model, free, the results are neatly arranged and can be analyzed easily. This research method uses literature review in the form of books, journals that discuss about topics related to the use of Google Forms as a medium in the manufacture of questionnaires for surveys and data collection, as well as related to the concept of Green Computing. While data collection methods used in field research by way of observation of the system running in the academic POLSUB. The use of KIPKD online illustrates that POLSUB participates in preserving the environment, with no 12 paper/year rims, equivalent to 12 tree trunks.

FATORES CONDICIONANTES E DESENCADEANTES DE QUEDAS DE BLOCOS NA BACIA HIDROGRÁFICA DO RIACHO TRAPIÁ, SOBRAL, CEARÁ, BRASIL

2019 ◽  
Vol 21 (2) ◽  
pp. 393-412
Author(s):  
Adisson Souza Tavares ◽  
Frederico De Holanda Bastos ◽  
Yuri Da Silva Belarmino
Keyword(s):  
Data Collection ◽  
Environmental Planning ◽  
Field Research ◽  
Risk Mapping ◽  
Dynamics Analysis ◽  
Natural Processes

As quedas de blocos são processos naturais, classificadas como eventos geomorfológicos perigosos ao homem a partir dos impactos que podem causar sobre as populações que vivem em encostas susceptíveis. O seu deflagro está submetido à influência de diversos fatores que possuem diferentes funções e dinâmicas. Os agentes geológicos, geomorfológicos, pedológicos, fitogeográficos, hidroclimáticos e antrópicos desencadeiam e condicionam os fenômenos, implicando na mudança de sua estrutura, velocidade e duração. De acordo com a classificação de Garcia (2012), este trabalho objetiva identificar os agentes condicionantes e desencadeantes de quedas de blocos, na bacia hidrográfica do Riacho Trapiá, localizada na vertente sul da Serra da Meruoca, noroeste do Ceará. Os passos metodológicos foram: levantamento bibliográfico e cartográfico, técnicas de geoprocessamento, pesquisa de campo e integralização dos dados. Entende-se que os diferentes fatores que levam à ocorrência de quedas de blocos podem ser agrupados em dois conjuntos, sendo eles condicionantes, que levam a predisposição ao início das quedas, e os desencadeantes, que são dinâmicos e iniciam diretamente os processos morfodinâmicos. Logo, a presente análise pode servir de base para diversos tipos de estudos sobre temáticas geomorfológicas, a exemplo das análises de dinâmicas de vertentes, cartografia de risco, planejamento ambiental, ou gestão de bacias hidrográficas.Palavras-chave: Morfodinâmica; Susceptibilidade Geomorfológica; Quedas de Blocos. ABSTRACTRockfalls are natural processes, classified as geomorphological events dangerous to man from the impacts they can cause on populations living on susceptible slopes. Its origin is subject to the influence of several factors that have different functions and dynamics. Geological, geomorphological, pedological, phytogeographic, hydroclimatic and anthropogenic agents trigger and condition phenomena, implying a change in structure, speed and duration. According to Garcia's classification (2012), this work aims to identify the conditioning and triggering agents of rockfalls, in the Riacho Trapiá watershed, located on the southern of Serra da Meruoca, northwestern Ceará. The methodological steps were: bibliographical and cartographic survey, geoprocessing techniques, field research and data collection. It is understood that the different factors that lead to the occurrence of rockfalls can be grouped in two sets, being they conditioners, which lead to the predisposition to the beginning of falls, and the triggers, which are dynamic and directly start the morphodynamic processes. Therefore, the present analysis can serve as the basis for several types of studies on geomorphological topics, such as slope dynamics analysis, risk mapping, environmental planning, or watershed management.Keywords: Morphodynamic; Geomorphological Susceptibility; Rockfalls. RESUMENLas caídas de rocas son procesos naturales, clasificados como eventos geomorfológicos peligrosos para el hombre por los impactos que pueden tener en las poblaciones que viven en laderas susceptibles. Su brote está sujeto a la influencia de varios factores que tienen diferentes funciones y dinámicas. Los agentes geológicos, geomorfológicos, pedológicos, fitogeográficos, hidroclimáticos y antrópicos desencadenan y condicionan los fenómenos, lo que implica un cambio en su estructura, velocidad y duración. De acuerdo con la clasificación de García (2012), este artículo objetiva identificar el acondicionamiento y los agentes desencadenantes de las caídas en la cuenca del Riacho Trapiá, ubicada en la ladera sur de la Serra da Meruoca, al noroeste de Ceará. Los pasos metodológicos fueron: levantamiento bibliográfico y cartográfico, técnicas de geoprocesamiento, investigación de campo e integración de datos. Se entiende que los diferentes factores que conducen a la aparición de caídas se pueden agrupar en dos conjuntos, que son factores condicionantes, guiando la predisposición         a la aparición de caídas, y los factores desencadenantes, que son dinámicos e inician directamente procesos morfodinámicos. Este análisis puede servir como base para estudios sobre temas geomorfológicos, tales como análisis de dinámica de taludes, mapeo de riesgos, planificación ambiental o gestión de cuencas hidrográficas.Palavras clave: Morfodinámica; Susceptibilidad Geomorfológica; Caídas de Rocas.

UPAH MENGUPAH PERTANIAN DALAM TINJAUAN FIQH MUAMALAH (Studi di Nagari Bukit Kandung Kecamatan X Koto Diatas Kabupaten Solok)

2021 ◽  
Vol 2 (3) ◽  
pp. 59
Author(s):  
Susanti Krismon ◽  
Syukri Iska
Keyword(s):  
Data Collection ◽  
Data Processing ◽  
Field Research ◽  
Secondary Data ◽  
Research Field ◽  
Farm Workers ◽  
Data Sources ◽  
Primary Data

This article discusses the implementation of wages in agriculture in Nagari Bukit Kandung Subdistrict X Koto Atas, Solok Regency in a review of muamalah fiqh. The type of research is field research (field research). The data sources consist of primary data sources, namely from farmers and farm laborers who were carried out to 8 people and 4 farm workers, while the secondary data were obtained from documents in the form of the Bukit Kandung Nagari Profile that were related to this research, which could provide information or data. Addition to strengthen the primary data. Data collection techniques that the author uses are observation, interviews and documentation. The data processing that the author uses is qualitative. Based on the results of this study, the implementation of wages in agriculture carried out in Nagari Bukit Kandung District X Koto Diatas Solok Regency is farm laborers who ask for their wages to be given in advance before they carry out their work without an agreement to give their wages at the beginning. Because farm laborers ask for their wages to be given at the beginning, many farm workers work not as expected by farmers and there are also farm workers who are not on time to do the work that should be done. According to the muamalah fiqh review, the implementation of wages in agriculture in Nagari Bukit Kandung is not allowed because there is an element of gharar in the contract and there are parties who are disadvantaged in the contract, namely the owner of the fields.

ETHICAL ISSUES IN PRIVATE COMMERCIAL BANKS IN PAKISTAN

2012 ◽  
Vol 01 (07) ◽  
pp. 72-82
Author(s):  
Nanik Ram ◽  
Immamuddin Khoso ◽  
Muhammad Bachal Jamali ◽  
Faiz.M. Shaikh
Keyword(s):  
Data Collection ◽  
Commercial Banks ◽  
Ethical Issues ◽  
Validity And Reliability ◽  
Basic Tool ◽  
Cross Sectional ◽  
Staff Members

This research addressed the ethical issues in Private Commercial Banks in Pakistan. Data were collected from 500 respondents/Customers from cross sectional data by using simple random technique and data were analyses by using SPSS-18 version. A structural questionnaire was used as basic tool for data collection, analysis, validity and reliability. It was revealed that private commercial banks are not caring for the customers specially, four old Banks UBL, HBL, MCB, ABL. It was further concluded that most of the staff members who interact with the customers is non MBAs so that’s why their attitude towards the customers are not friendly.

PENGARUH LINGKUNGAN KERJA DAN PENGEMBANGAN KARIR TERHADAP KINERJA KARYAWAN PT ASTRA OTOPARTS TBK DIVISI SSC (Shared Service Centre)

2021 ◽  
Vol 9 (1) ◽  
Author(s):  
Dian Anggraeni ◽  
Eddy Sanusi S
Keyword(s):  
Career Development ◽  
Data Collection ◽  
Work Environment ◽  
Employee Performance ◽  
Field Research ◽  
Secondary Data ◽  
Sampling Technique ◽  
Service Center ◽  
Shared Service ◽  
Data Collection Technique

<em>The research objective was to determine the effect of work environment and career development on employee performance of PT. Astra Otoparts Tbk Division SSC (Shared Service Center). The research method, in this study using primary and secondary data sources, where the data collection is done by field research and library research. Respondents in this study were all employees of PT. Astra Otoparts Tbk Division SSC (Shared Service Center) as many as 72 respondents using the slovin technique with a tolerance level of 5 percent. The data collection technique used a questionnaire and the sampling technique used random sampling. The results of the study have an effect both partially and simultaneously on work environment and career development on employee performance at PT. Astra Otoparts Tbk Division SSC (Shared Service Center).</em>

Eksistensi Fatwa No.21/DSN-MUI/X/2001 Pada Asuransi Jiwa Syariah di PT. Prudential Life Assurance Cabang Ponorogo

2021 ◽  
Vol 1 (1) ◽  
pp. 61-73
Author(s):  
Linda Pertiwi ◽  
Atik Abidah
Keyword(s):  
Data Collection ◽  
Qualitative Methods ◽  
Life Insurance ◽  
Field Research ◽  
Insurance Company ◽  
Life Insurance Company ◽  
Life Assurance ◽  
Deductive Method ◽  
Investment System ◽  
Islamic Insurance

This article aims to review the implementation of Fatwa No. 21 / DSN-MUI / X / 2001 concerning General Guidelines for Sharia Insurance in Insurance Institutions. Sharia life insurance is a type of life insurance whose application is based on the provisions of Islam. PT. Prudential Life Assurance is a sharia life insurance company. In carrying out its activities to develop customer funds, PT. Prudential Life Assurance invests. In practice, the investment and insurance percentage determination is carried out unilaterally by the agent. Determining the percentage of this investment will affect customers' cash value claims that do not match the illustration. More specifically, in this connection, the author will analyze two aspects. First, the analysis of Fatwa No.21 / DSN-MUI / X / 2001 regarding the General Guidelines for Islamic Insurance on the implementation of the investment system at PT. Prudential Life Assurance Ponorogo Branch? Second, the analysis of Fatwa No.21 / DSN-MUI / X / 2001 regarding the General Guidelines for Islamic Insurance on the payment of cash value claims for customers at PT. Prudential Life Assurance Ponorogo Branch? The author's type of research is field research using qualitative methods, while the data collection techniques used are interviews and documentation. The analysis used uses the deductive method, namely a discussion that begins with presenting arguments, theories or provisions that are general and then put forward a specific fact. From this research, it can be concluded that the implementation of the investment system at PT. Prudential Life Assurance at the Ponorogo branch is only limited to administration. Where the agent determines the percentage of insurance and investment unilaterally to get a hefty fee, this is not following the DSN fatwa No.21 / DSN-MUI / X / 2001, which reads "investment must be made under sharia." Meanwhile, regarding the payment of cash value claims from customers that do not match the illustration, it follows the DSN fatwa No.21 / DSN-MUI / X / 2001, which reads "different claims in the amount according to the premium paid."Artikel ini bertujuan untuk mengkaji implementasi Fatwa No. 21/DSN-MUI/X/2001 tentang Pedoman Umum Asuransi Syariah Pada Lembaga Perasuransian. Asuransi jiwa syariah adalah jenis asuransi jiwa yang penerapannya berdasarkan ketentuan Islam. PT. Prudential Life Assurance adalah perusahaan asuransi jiwa syariah. Dalam menjalankan kegiatannya untuk mengembangkan dana nasabah, PT. Prudential Life Assurance berinvestasi. Dalam praktiknya, penentuan persentase investasi dan asuransi dilakukan secara sepihak oleh agen. Penetapan persentase investasi ini akan mempengaruhi klaim nilai tunai nasabah yang tidak sesuai dengan ilustrasi. Lebih khusus lagi, dalam hubungan ini, penulis akan menganalisis dua aspek. Pertama, analisis Fatwa No.21/DSN-MUI/X/2001 tentang Pedoman Umum Asuransi Syariah Tentang Penerapan Sistem Investasi Pada PT. Prudential Life Assurance Cabang Ponorogo? Kedua, Analisis Fatwa No.21/DSN-MUI/X/2001 tentang Pedoman Umum Asuransi Syariah Tentang Pembayaran Klaim Nilai Tunai Bagi Nasabah Pada PT. Prudential Life Assurance Cabang Ponorogo? Jenis penelitian penulis adalah penelitian lapangan dengan menggunakan metode kualitatif, sedangkan teknik pengumpulan data yang digunakan adalah wawancara dan dokumentasi. Analisis yang digunakan menggunakan metode deduktif, yaitu pembahasan yang diawali dengan mengemukakan argumentasi, teori atau ketentuan yang bersifat umum kemudian dikemukakan suatu fakta yang spesifik. Dari penelitian ini dapat disimpulkan bahwa penerapan sistem investasi pada PT. Prudential Life Assurance di cabang Ponorogo hanya sebatas administrasi. Dimana agen menentukan persentase asuransi dan investasi secara sepihak untuk mendapatkan fee yang besar, hal ini tidak sesuai dengan fatwa DSN No.21/DSN-MUI/X/2001 yang berbunyi “investasi harus dilakukan secara syariah”. Sedangkan mengenai pembayaran klaim nilai tunai dari nasabah yang tidak sesuai dengan ilustrasi, mengikuti fatwa DSN No.21/DSN-MUI/X/2001 yang berbunyi “beda klaim besarnya sesuai dengan premi yang dibayarkan”.

scholarly journals ANALYSIS OF IMPLEMENTATION OF THE GOOD CORPORATE GOVERNANCE PT. BANK BNI SYARIAH BRANCH OF TASIKMALAYA

2020 ◽  
Vol 11 (1) ◽  
pp. 83
Author(s):  
Setiawan Bin Lahuri ◽  
Vina Fithriana Wibisono
Keyword(s):  
Corporate Governance ◽  
Content Analysis ◽  
Data Collection ◽  
Field Research ◽  
Secondary Data ◽  
Inductive Method ◽  
Islamic Banks ◽  
Islamic Perspective ◽  
Good Corporate Governance ◽  
Personal Character

PT. Bank BNI Syariah is one of the best Islamic banks, which obtained the best award as the most efficient bank and first ranked in the category of best good corporate governance report. So, this study aims to explore the extent of implementation of good corporate governance in PT. Bank Syariah Branch Tasikmalaya. This study is field research using the inductive method and content analysis approach. Data collection is using primary and secondary data through observations, interviews, and documentation. The results indicate that PT. Bank Syariah Branch Tasikmalaya has implemented good corporate governance principles by well according to the Islamic perspective. Described about it that bank has implemented “anti-graft” accordance with al-Amanah}-al-Jama>’ah}-al-Hasanah} as a slogan in doing work; al-Tawhi>d and al-Rid}a as the basis for forming personal character; every Dhuhur and Ashar prayer, the office is temporarily closed; Tarhib Ramadhan as routine program every June 19 by holding an MHQ competition.

scholarly journals TRADISI PEMBACAAN SURAH AL-MULK DI MAJELIS TA’LIM RAUDHOTUL ILMI PALEMBANG:

2021 ◽  
Vol 7 (2) ◽  
pp. 157
Author(s):  
Muhammad Ali . ◽  
Uswatun Hasanah ◽  
Beko Hendro
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Social Action ◽  
Max Weber ◽  
Field Research ◽  
Research Field ◽  
Value Rationality ◽  
Action Value ◽  
Data Collection Technique ◽  
Theory Of Social Action

This article discusses the implementation of the reading of Surah al-Mulk at the Raudhotul Ilmi Palembang Ta'lim Assembly and the views of the Raudhotul Ilmi Palembang Ta'lim congregation on the reading of Surah al-Mulk as well as an analysis of Max Weber on the recitation of surah al-Mulk at the Raudhotul Ilmi Palembang Ta'lim Assembly. This type of research is a field research (Field Research), the type of data used is qualitative with the study of living hadith. This study uses Max Weber's theory of social action related to four actions, namely, traditional action, affective action, value rationality action and instrumental rationality action. The subjects of this research are caregivers, administrators, ustaz and Jama'ah Majelis Ta'lim Raudhotul Ilmi Palembang. The data collection technique used observation by observing and paying attention to the implementation of the tradition of reading surah al-Mulk at the Raudhotul Ilmi Palembang Ta'lim Assembly. While the interview data, the researchers interviewed twelve Jama'ah as respondents, while the documentation was equipped with books, photos and books related to the research. Meanwhile, data analysis uses descriptions and explanations. This study found that the Jama'ah of the Raudhotul Ilmi Palembang Ta'lim Assembly was enthusiastic about the tradition of reciting surah al-Mulk in the Assembly. The congregation of the assembly is of the view that having the reading of Surah al-Mulk before starting the assembly is a good and good thing as a form of imitating the Prophet Muhammad. The congregation of the assembly supported this activity because of the benefits of reading it as a barrier from the torment of the grave and there were some congregations who routinely read Surah al-Mulk. It can be said that the response of the congregation of the assembly tends to know the values ​​contained in the hadith of reading surah al-Mulk. This shows that the living hadith in the congregation of the assembly was carried out and the Raudhotul Ilmi Palembang Ta'lim Assembly fulfilled Max Weber's theory of social action.

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