scholarly journals ANALISIS PENERAPAN PRINSIP MENGENAL NASABAH PADA BANK ACEH SYARIAH BANDA ACEH

2013 ◽  
Vol 2 (1) ◽  
Author(s):  
Husnawati Husnawati
Keyword(s):  
Money Laundering ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Operational Risk ◽  
Analysis Method ◽  
Legal Risk ◽  
Reputational Risk ◽  
Library Research ◽  
Customer Identification ◽  
Banda Aceh

This study aims to identify the systems and procedures that is applied at Bank Aceh Syariah (BAS) Banda Aceh in knowing of its customers. In specific, it aims to analyze the effectiveness of the implementation of Knowing Your Customer (KYC) Principle at BAS. This study employs both primary and secondary data which was obtained through field and library research. The data was analyzed using descriptive analysis method. The results show that in knowing its customers, BAS Banda Aceh taken several steps of customer identification includes the identity check, occupation, source of funds, and the purpose of the use of funds. The implementation of the KYC principle in BAS Banda Aceh has effectively overcome and prevented the banking crimes such as money laundering. The implementation of the principle is intended to embolden the implementation of prudential principles in order to reduce business risks such as operational risk, legal risk, concentration risk, and reputational risk. =========================================== Penelitian ini bertujuan untuk mengidentifikasi sistem dan prosedur yang diterapkan Bank Aceh Syariah (BAS) Banda Aceh dalam mengenal nasabah. Secara khusus, penelitian bertujuan untuk menganalisis efektifitas penerapan Prinsip Mengenal Nasabah pada BAS. Data untuk penelitian ini bersumber dari data primer melalui kajian lapangan, dan data sekunder melalui kajian kepustakaan. Analisis data menggunakan metode deskriptif analisis. Dari hasil penelitian dapat diketahui bahwa sistem dan prosedur yang diterapkan BAS Banda Aceh dalam mengenal nasabah yaitu identifikasi calon nasabah yang meliputi identitas, pekerjaan, sumber dana dan tujuan penggunaan dana yang dilengkapi dokumen pendukung. Penerapan Prinsip Mengenal Nasabah (Know Your Customer Principle) pada BAS Banda Aceh efektif dalam mengatasi kejahatan-kejahatan dalam dunia perbankan seperti pencucian uang. Penerapan prinsip tersebut dimaksudkan agar mendorong terselenggaranya prinsip kehati-hatian dalam rangka mengurangi risiko usaha yang dihadapi bank dalam menjalankan kegiatan usaha yaitu operational risk, legal risk, concentration risk, dan reputational risk.

scholarly journals Analisis Kelayakan Isi LKS “Pintar Pendidikan Agama Islam Berkarakter” Kelas V SD

2021 ◽  
Vol 2 (1) ◽  
pp. 21-35
Author(s):  
Lisa Yulia Sari ◽  
Muhammad Aufa Muis
Keyword(s):  
Religious Education ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Research Literature ◽  
Primary Data ◽  
Analysis Method ◽  
Learning Materials ◽  
Is Research ◽  
Library Research ◽  
Literature Searches

This study aims to identify and describe the results of the feasibility analysis of the contents of the Islamic Religious Education Smart LKS content in terms of the suitability of the material description with KI/KD, the accuracy of the material, and the content of supporting learning materials. The type of research used is library research. Literature research is research based on literature searches related to the problems to be discussed. The method used is descriptive analysis method. The primary data sources in this study were obtained from the Smart LKS for Islamic Religious Education with Character, while the secondary data were obtained from books, journals, articles, laws and regulations, and so on. All data will be collected, analyzed, interpreted as well as by interpreting the object under study. The results showed that the suitability of the description of the material with KI-KD obtained a percentage of 65%, while in terms of the accuracy of the material it obtained a percentage of 72%, and in terms of supporting learning materials it obtained a percentage of 73.2%. When viewed as a whole, the percentage of sub-components is 70%, which shows that the Smart LKS for Islamic Religious Education is worthy of being used as a companion book for learning in elementary schools

scholarly journals Analysis of Students’ Misconceptions on Solving Algebraic Contextual Problem

2021 ◽  
Vol 6 (1) ◽  
pp. 19-30
Author(s):  
Faoza Saaroh ◽  
Tian Abdul Aziz ◽  
Dwi Antari Wijayanti
Keyword(s):  
Descriptive Analysis ◽  
Secondary Data ◽  
Systematic Errors ◽  
Study Data ◽  
Qualitative Approach ◽  
Mathematical Form ◽  
Analysis Method ◽  
Mathematical Abilities ◽  
Library Research ◽  
New Learning

Students misconceptions in solving contextual algebraic problems is still often found in this educational world. This study aims to describe the forms of student’s misconceptions in solving algebraic contextual problems and explain the causes of these misconceptions. The approach in this research is a qualitative approach, that is library research where the data used are secondary data. This research uses literature review data collection techniques. The number of articles used as data sources is 19 articles related to topics in research with algebraic contextual items taken from 5 articles to be displayed in the results section of the study. Data analysis used descriptive analysis method by describing the intentions and comparing several research articles. The results showed several forms related to non-systematic errors, namely concept errors or students’ misconceptions in solving algebraic contextual problems, namely the occurrence of misconceptions within the scope of algebraic arithmetic operations, understanding the meaning of variables, simplifying, or operating algebraic expressions, and interpreting contextual problems into algebraic mathematical form. The misconception occurs in students with low and moderate mathematical abilities where the cause of this phenomenon is due to the occurrence of errors in the learning process by educators in which students are less accustomed to solving contextual problems or open-ended questions. Therefore, it is hoped that educators can determine the learning model appropriately in fixing the problem of contextual algebraic misconceptions and further researchers can find new learning models that affect this problem.

scholarly journals PENDAURAN LAHAN TEMPAT PEMBUANGAN AKHIR (TPA) DENGAN PERBAIKAN TANAH SECARA MEKANIS

2021 ◽  
Vol 4 (1) ◽  
pp. 193
Author(s):  
Indra Bhaswara Purnomosidy ◽  
Aniek Prihatiningsih
Keyword(s):  
Theoretical Basis ◽  
Research Method ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Soil Improvement ◽  
Google Scholar ◽  
Stone Column ◽  
Analysis Method ◽  
Data Comparison ◽  
Library Research

In recent decades Indonesia has experienced a massive population boom, as such adequate facilities are needed. One thing that can be done is the usage of land for landfills to become the providing land for said infrastructure. This study uses the library research method for its processing or it is also called library research for data comparison. The data sources used are primary and secondary data derived from Google Scholar. The data will be analyzed using descriptive analysis method. The theoretical basis used is the theory of soil improvement methods and the handling of leachate as well as methane gas. The final result of the research is a results comparison of settlement and the bearing capacity of the soil that has undergone improvement and the soil that has not undergone improvement. From the research it can be concluded that the suitable method for landfill improvement is Stone Column. Pertumbuhan penduduk di Indonesia dalam beberapa dekade terakhir meningkat sehingga dibutuhkan fasilitas yang memadai, salah satunya dengan memakaian lahan Tempat Pembuangan Akhir (TPA) menjadi sarana infrastruktur. Penelitian ini menggunakan metode library research yang disebut juga penelitian kepustakaan dengan membandingkan data. Adapun sumber data yang digunakan adalah data-data primer dan sekunder dari Google Scholar. Data akan dianalisa dengan metode deskriptif analisis. Landasan teori digunakan adalah teori Metode Perbaikan Tanah dan penanganan Lindi serta Gas Metana. Hasil akhir dari penelitian adalah perbandingan hasil penurunan dan daya dukung tanah sebelum perbaikan dan setelah perbaikan. Hasil penelitian menunjukkan bahwa metode yang cocok untuk pebaikan tanah TPA mengunakan Stone Column.

scholarly journals ANALISIS MANAJEMEN RISIKO PRODUK KAFALAH (STUDI PADA BANK MUAMALAT INDONESIA BANDA ACEH)

2014 ◽  
Vol 3 (1) ◽  
Author(s):  
Satria Munawir
Keyword(s):  
Banking Sector ◽  
Descriptive Analysis ◽  
Field Research ◽  
Analysis Method ◽  
Fixed Asset ◽  
Islamic Perspective ◽  
Library Research ◽  
Reputation Risk ◽  
Islamic Jurisprudence ◽  
Banda Aceh

Kafalah is a guarantee of a guarantor, either in the form of self assurance and treasure to the second party in relation to the rights and obligations of both parties that the other party. In banking sector, implementation of the concept is well known as a bank guarantee, which is a guarantee in the form of paper issued by the bank which resulted in the obligation to pay to the party receiving the collateral if the guaranteed party breach the contract. This article aims to study the implementaion of kafalah product at BMI Banda Aceh including strategies in preventing risks related the products. It also examines the implementation of kafalah from an Islamic perspective. In finding the answer, this article employes qualitative approach. Data was collected through field research and library research which was then analized using descriptive analysis method. The results show that the product kafalah undertaken by BMI Branch of Banda Aceh is a form of insurance that includes guaranteed tender, performance bonds, warranties advance, and guarantee maintenance with a deposit of 100% cash collateral to the insurance value is small and a deposit of 60% of fixed asset plus 40% cash collateral for eprtanggungan whose value is greater than the value of the desired assurance customers. Moreover, the client or the insured must enter into cooperation agreements with project leaders to work on a particular project. Tips management undertaken by BMI Branch Banda is analyzing the customer or contractor using character analysis and collateral is more dominant than the overall analysis of 5C, because the BMI-related risks faced by the provision of guarantees / kafalah is credit risk and reputation risk. From the Islamic perspective, the implementation of kafalah has complied with Islamic jurisprudence. Keywords: Analysis, Risk Management, Kafalah, Bank Muamalat Indonesia

scholarly journals MANAJEMEN RISIKO PEMBIAYAAN QARDHUL HASAN MENURUT PERSPEKTIF EKONOMI ISLAM (STUDI PADA BAITUL QIRADH AMANAH BANDA ACEH)

2014 ◽  
Vol 3 (1) ◽  
Author(s):  
Bustami Bustami
Keyword(s):  
Descriptive Analysis ◽  
Field Research ◽  
Secondary Data ◽  
Primary Data ◽  
Due Date ◽  
Library Research ◽  
Analysis Technique ◽  
Application Analysis ◽  
Financing Risk ◽  
Banda Aceh

Qardhul hasan financing aims to help borrowers who have an urgency need, either for consumptive or productive purposes. This study aims to explore the mechanism of qardhul hasan financing at Baitul Qiradh (small Islamic rural bank) Amanah Banda Aceh and the strategic employed in managing its risk. This study used primary data that was obtained through field research and secondary data that was obtained through library research. The data was then analyzed using descriptive analysis technique. The findings show that the mechanism of qardhul hasan financing at Baitul Qiradh Amanah has several stages, namely application, analysis and investigation, decision, fund lending, and returning phase. The strategic used to prevent financing risk as follow: managing financing administrative, determining the terms and criteria, conducting analysis for customer prospective, assigning officers that supervise the financing activities and collect the monthly payments. For non-performing financing, the Baitul Qiradh employs risk management system strategic such as rescheduling and write off. Rescheduling was conducted by extending the payment due date, and write off was only given for customers who do not have any possibility to repay due to their condition of economy. =========================================== Pembiayaan qardhul hasan bertujuan untuk menolong peminjam yang berada dalam keadaan terdesak, baik untuk hal-hal yang bersifat konsumtif maupun produktif. Penelitian ini bertujuan untuk mengeksplorasi mekanisme pembiayaan qardhul hasan pada Baitul Qiradh Amanah dan strategi penanggulangan risikonya. Metode yang digunakan dalam penelitian ini adalah deskriptif analisis, sedangkan teknik pengumpulan data primer diperoleh melalui penelitian lapangan dan data sekunder melalui penelitian kepustakaan. Dari hasil penelitian dapat diketahui bahwa, mekanisme pembiayaan qardhul hasan pada Baitul Qiradh Amanah Banda Aceh memiliki beberapa tahap, yaitu tahap permohonan pembiayaan qardhul hasan, tahap analisis dan penyelidikan pembiayaan qardhul hasan, tahap keputusan atas permohonan pembiayaan qardhul hasan, tahap pencairan pembiayaan qardhul hasan dan tahap pengembalian pembiayaan qardhul hasan. Sedangkan strategi penanggulangan risiko yang dilakukan adalah dengan mengatur administrasi pembiayaan, menentukan syarat dan kriteria yang harus dipenuhi untuk mengajukan permohonan pembiayaan, mengadakan analisa terhadap calon nasabah, menetapkan petugas yang mengawasi penggunaan pembiayaan dan menetapkan petugas penagihan pembiayaan. Terhadap pembiayaan qardhul hasan bermasalah, sistem manajemen risiko, yang diterapkan adalah perpanjangan waktu dengan pengurangan jumlah cicilan agar para nasabah dapat melunasi sedikit demi sedikit seluruh pinjamannya. Cara berikutnya pemutihan yaitu penghapusan piutang setelah dilakukan pengecekan terhadap kondisi usaha nasabah.

scholarly journals Membangun Aceh Melalui Pendidikan (Studi Analisis Konsep KOPELMA Darussalam Ali Hasjmy)

2019 ◽  
Vol 1 (2) ◽  
pp. 337-348
Author(s):  
M. Adil
Keyword(s):  
Research Design ◽  
Social Conflict ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Primary Data ◽  
Analysis Method ◽  
Library Research ◽  
Educational Thinking ◽  
The Ideal

This study aimed to investigate the background of the establishment of KOPELMA Darussalam, the concept of KOPELMA Darussalam proposed by Ali Hasjmy, and the relevance of Ali Hasjmy's educational thoughts with Aceh’s development through education. The study used a library research design, employing the primary data from Ali Hasjmy’s writings and the secondary data from two figures who had lived with and were close to Ali Hasjmy. The data were analyzed by using a descriptive analysis method. The results of the study revealed that Ali Hasjmy founded KOPELMA Darussalam as a manifestation of his educational, cultural, and political thoughts. This, in turn, gave birth to a big concept to Aceh’s development towards modernization, equipped with Islamic sharia, Acehnese culture and traditions, and science, after Aceh was hit by prolonged social conflict. The concept of KOPELMA Darussalam proposed by Ali Hasjmy intended to create KOPELMA Darussalam as a symbol of peace and love, a place to produce faithful and devoted humans to the religion and the nation, a place to establish science for humanity, a place to build "Pancasila"-instilled citizens, a symbol for the collapse of educational secularism and dichotomy of science in Aceh, a source of the realization of the Acehnese aspirations (i.e., of the ideals of justice and prosperity), an oasis of knowledge, and a manufacturer of people with devoted souls and spirit to the religion and the nation. To date, Ali Hasjmy's educational thinking about "The Ideal Concept of Darussalam (Abode of Peace)" is still relevant with the basis for Aceh's development through education.

scholarly journals Analisis Cash Waqf Linked Sukuk (Cwls) Dalam Perspektif Maqâshid Asy-Syarî’ah

2021 ◽  
Vol 5 (2) ◽  
pp. 1-18
Author(s):  
Rahmatul Fadhil ◽  
Nurbalqis
Keyword(s):  
Significant Contribution ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Progressive Increase ◽  
Economic Benefits ◽  
The Other ◽  
Main Character ◽  
Analysis Method ◽  
Library Research ◽  
The World

Cash Waqf Linked Sukuk (CWLS) is a new creative financing product from Indonesia and the first in the world, which has a lasting impact. In Indonesia, the use of productive waqf is an indicator of a progressive increase in waqf, because if the assets are managed, they can generate economic benefits. On the other hand, seeing the significant and significant contribution of Cash Waqf Linked Sukuk (CWLS) in developing the people's economy, and supported by the nature of innovation as the main character, it is necessary to analyze the suitability of the contract used and its mechanism based on the Maqâshid ash-Syarî'ah principle. . This study uses library research methods (library research). The data sources used are primary and secondary data. The data were analyzed using descriptive analysis method. The results of this study indicate that: based on a review from the perspective of Maqâshid ash-Syarî'ah Cash Waqf Linked Sukuk (CWLS) transactions are included in the category of ifdz al-mâl at the level of al-hâjiyyât and ifdz ad-dîn at the level of al-hâjiyyât.

scholarly journals ANALISIS EKONOMI ISLAM TERHADAP BAGI HASIL PEMBIAYAAN MUDHARABAH UNTUK USAHA MIKRO PADA BAITUL QIRADH ABU INDRAPURI

2013 ◽  
Vol 2 (1) ◽  
Author(s):  
Jumadi Jumadi
Keyword(s):  
Descriptive Analysis ◽  
Secondary Data ◽  
Revenue Sharing ◽  
Profit Sharing ◽  
Analysis Method ◽  
Implementation Level ◽  
Collateral System ◽  
Micro Enterprises

This study generally aims to analyze the concept of mudharabah financing in Baitul Qiradh (BQ) Abu Indrapuri for micro-enterprises. Specifically, the paper reviews the systems implemented in the management and revenue-sharing mechanisms derived from these micro-enterprises. This study employs primary and secondary data which were collected through interview and documentation studies. The data were analyzed using descriptive analysis method. The findings show that generally the concept of mudharabah financing in BQ Abu Indrapuri is based on Fatwa Dewan Syariah Nasional No. 07/DSN/MUI/IV/2000. In the implementation level, however, the application of profit sharing and collateral system was not fully shariah compliance. The imbalance between the concept and implementation because the BQ still refers to the conventional banking rules. =========================================== Penelitian ini secara umum bertujuan untuk menganalisis konsep pembiayaan mudharabah pada Baitul Qiradh (BQ) Abu Indrapuri untuk usaha mikro. Secara spesifik, tulisan mengkaji tentang sistem yang diterapkan dalam pengelolaan dan mekanisme pembagian pendapatan yang diperoleh dari usaha mikro tersebut. Penelitian ini menggunakan data primer dan sekunder yang dikumpulkan dengan teknik wawancara bebas, dan studi dokumentasi. Data yang diperoleh dianalisis dengan menggunakan metode deskriptif analisis. Hasil penelitian menunjukkan bahwa secara umum konsep pembiayaan mudharabah pada BQ Abu Indrapuri berpedoman pada Fatwa Dewan Syariah Nasional No.07/DSN/MUI/IV/2000. Akan tetapi, dalam implementasinya masih terdapat hal-hal yang tidak sesuai dengan konsep syariah yaitu pada sistem bagi hasil dan jaminan. Terdapat ketimpangan antara konsep dan implementasi disebabkan karena BQ Abu Indrapuri masih mengacu pada aturan sistem perbankan konvensional.

scholarly journals Implementasi Sistem Bagi Hasil Mudharabah pada Koperasi Serba Usaha Amanah Desa Bunobogu Kecamatan Bunobogu Kabupaten Buol

Al-Buhuts ◽  
2017 ◽  
Vol 13 (2) ◽  
pp. 109-126
Author(s):  
Abdul Latif
Keyword(s):  
Small And Medium Enterprises ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Revenue Sharing ◽  
Profit Sharing ◽  
Primary Data ◽  
Analysis Method ◽  
Qualitative Descriptive ◽  
Medium Enterprises ◽  
Made In

This study aims to determine the system for the results of Mudharabah on Business Multipurpose Cooperative (KSU) Amanah Desa Bunobogu with Qualitative Descriptive Analysis method. This study uses primary data sources and secondary data relating to the annual revenue sharing system Mudharabah (2010-2014). The results of this study indicate that the profit sharing system is implemented by the Multipurpose Business Cooperative (KSU) Amanah Desa Bunobogu in the form of Mudharabah financing. With a guarantee statement on the process akadnya. In the event of negligence made by members who resulted in his business losing the goods made in the guarantee will be seized by the cooperative. Businesses that are established by members are mostly small and medium enterprises so often encountered bookkeeping that is not clear and just make a budget booklet at random. However, it does not become alaasan and hamper the growth of cooperatives which each year has increased the remaining results of operations. Unclear budget bookkeeping can result in member earnings manipulation, by lowering the profits earned and the effect on the revenue share installments

scholarly journals Akselerasi Pembelajaran Al-Qur’an Berbasis Neurologi (Pola Metode Al-Barqy dan Wafa)

2020 ◽  
Vol 7 (1) ◽  
Author(s):  
I’anatut Thoifah
Keyword(s):  
Research Methods ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Accelerated Learning ◽  
Learning Methods ◽  
Left Brain ◽  
Library Research ◽  
The Right

Abstract. This study aims to determine the pattern of neurology-based learning methods of Al-Qur'an Al-Barqy and wafa as an effort to synchronize these methods with the principles of accelerated learning required in this advancement era. Researchers Use research methods library research or commonly referred to as literature studies by collecting primary and secondary data related to al-Barqy and death methods, then analyzing neurology using descriptive analysis. The results of this study indicate that the method of learning al-Qur'an al-barqy and wafa with its unique characteristics includes functioning of the right and left brain, besides being simple, fun and effective and making it easier for students to remember and recall old memories easily are points. It is important to acceleratinglearning neurology-based with the acrostic mnemonic method, where the language used is the daily language of students such as Ma-Ta-Sa-Ya and A-Da-Ra-Ja.

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