PERAN LEMBAGA KEUANGAN MIKRO BAITUL MAAL WAT TAMWIL (BMT) TERHADAP PENGEMBANGAN USAHA PEDAGANG

2020 ◽  
Vol 2 (2) ◽  
pp. 12
Author(s):  
Nur Aidil ◽  
M. Thahir Maloko ◽  
A. Intan Cahyani
Keyword(s):  
Data Management ◽  
Field Research ◽  
Research Field ◽  
Microfinance Institutions ◽  
Validity Testing ◽  
Microfinance Institution ◽  
Data Validity ◽  
Management Techniques ◽  
The Impact

AbstrakPenelitian ini membahas peran lembaga keungan mikro baitul maal wa tamwil (BMT) terhadap pengembangan usaha pedagang, dan dampak yang ditimbulkan oleh lembaga keuangan BMT dalam pengembangan usaha pedagang.Jenis penelitian ini adalah penelitian lapangan (field research) menggunakan metode kualitatif dimana dilakukan dengan pendekatan teologis normatif, sosiologis dan fenomenologi dengan sumber data dari  BMT fastabiqul Khorat, selanjutnya metode pengumpulan data yang dilakukan adalah observasi, wawancara, dokumentasi, kemudian tekhnik pengelolaan data dilakukan melalui beberapa tahapan diantaranya: reduksi data, melakukan pengelolaan data dan pengujian keabsahan data. Hasil penelitian tersebut menunjukkan bahwa Baitul maal wat tamwil Fastabiqul Khoirat (BMT) sebagai lembaga keuangan mikro mempunyai peran mengurangi praktek riba, serta mensejahterahkan masyarakat kecil. Sedangkan dampak  yang diberikan BMT terhadap pengembangan usaha pedagang yakni BMT memberikan kontribusi dalam pengembangan usaha pedagang karena BMT melakukan pembiayaan kepada pedagang sehingga dapat mendorong pertumbuhan ekonomi pedagang.Kata Kunci : Baitul Mal Wa Tanwil, Pedagang, Pembiayaan Mikro. AbstractThis thesis discusses the role of microfinance institutions baitul maal wa tamwil (BMT) in the development of merchant businesses, and the impact caused by BMT financial institutions in the development of merchant businesses. This type of research is field research (field research) using qualitative methods which is carried out with a theological approach. normative, sociological and phenomenological with data sources from BMT fastabiqul Khorat, then the data collection methods used are observation, interviews, documentation, then data management techniques are carried out through several stages including: data reduction, data management and data validity testing. The results of this study indicate that Baitul maal wat tamwil Fastabiqul Khoirat (BMT) as a microfinance institution has a role in reducing the practice of usury, and in prospering the poor. Meanwhile, the impact given by BMT on the development of merchant business, namely BMT contributes to the development of merchant business because BMT provides financing to traders so that it can encourage economic growth of traders.Keywords: Baitul Mal Wa Tanwil, Micro Financing, Trader.

TINJAUAN HUKUM ISLAM TERHADAP PENERAPAN SISTEM WAKAF MENURUT FATWA NO. 106/DSN-MUI/X/2016

2021 ◽  
Vol 3 (1) ◽  
pp. 43
Author(s):  
Zulkifli Zulkifli ◽  
Sohrah Sohrah ◽  
Halimah B
Keyword(s):  
Data Management ◽  
Islamic Law ◽  
Field Research ◽  
Data Sources ◽  
Insurance Benefits ◽  
Validity Testing ◽  
Life Assurance ◽  
Data Validity ◽  
Management Techniques ◽  
Maximum Limit

AbstrakPokok masalah dalam Penelitian ini mengkaji tentang bagaimana tinjauan hukum Islam terhadap penerapan system wakaf polis menurut fatwa No. 106 DSN-MUI/X/2016 di PT. Prudential Life Assurance Agency Prucahaya Makassar. Jenis penelitian ini adalah penelitian lapangan (field research) menggunakan metode kualitatif dimana dilakukan dengan pendekatan teologis normatif, sosiologis dan fenomenologi dengan sumber data dari PT. Prudential Life Assurance Agency Pruchaya Makassar, selanjutnya metode pengumpulan data yang dilakukan adalah observasi, wawancara, dokumentasi dan studi pustaka, kemudian teknik pengelolaan data dilakukan melalui beberapa tahapan diantaranya: reduksi data, melakukan pengelolaan data dan pengujian keabsahan data. Hasil penelitian ini menunjukkan bahwa bagaimana penerapan system wakaf polis di PT. Prudential Life Assurance Agency Prucahaya Makassar terdapat beberapa unsur terkait idalamnya yaitu, kesesuaian aturan fatwa terhadap pelaksanaan perusahaan Prudential Syariah yang bekerja sama dengan lembaga wakaf dalam mengelola dana yang diwakafkan. Kesesuaian pernyataan form ikrar wakaf di Prudential Syariah batas maksimal yang sesuai ketentuan fatwa pada wakaf manfaat sebesar 45% dan wakaf manfaat sebesar 1/3 dari keseluruhan kekayaan atau tirkah serta kesesuaian prinsip syariah pada akad wakaf yang digunakan pada kontrak polis menggunakan akad tabarru dan menggunakan akag wakalah bil ujrah sebagian manfaatnya boleh di wakafkan. Dalam hal ini system wakaf polis sebagai salah satu produk dari unik link syariah di PT. Prudential Life Assurance Agency Prucahaya Makassar telah sesuai dengan syariat Islam ditinjau dari fatwa No. 106 DSN-MUI/X/2016 tentang wakaf manfaat asuransi dan manfaat investasi.Kata Kunci: Fatwa, Hukum Islam, Sistem Wakaf.  AbstractThe main problem in this research is reviewing how the review of Islamic law against the managementof the policy waqf system according to fatwaNo. 106 DSN-MUI/X/2016 in PT. Prudential Life Assurance Agency Prucahaya Makassar. This type of research is field research usingqualitativemethods which are carried out with normative theological, sociological and phenomenological approaches with data sources from PT. Prudential Life Assurance Agency Pruchaya Makassar,, then the method of data collection carried out is observation, interview, documentation and literature studies, then data management techniques are carried out through several stages including: data reduction, data management and data validity testing The results of this study show that how the implementation of the policy waqf system in PT. Prudential Life Assurance Agency Prucahaya Makassar there are several elements related to its idalam, namely, the suitability of fatwa rules against the implementation of Sharia Prudential companies that cooperate with waqf institutions in managing funds that are pledged. Conformity of waqf pledge form statement in Prudential Syariah maximum limit in accordance with the provisions of the fatwa on the waqf benefit of 45% and the waqf benefit of 1/3 of the overall wealth or tirkah and the suitability of sharia principles in the waqf contract used in the policy contract using tabarru agreement and using akag wakalah bil ujrah some of the benefits can be wakafkan. In this case the system wakaf polis as one of the products of unique sharia links in PT. Prudential Life Assurance Agency Prucahaya Makassar has been in accordance with Islamic law reviewed from fatwa No. 106 DSN-MUI/X/2016 on the endowment of insurance benefits and investment benefits.''Keywords: Fatwa, Islamic Law, Waqf System.

scholarly journals PERANAN BAITUL MAAL WAT TAMWIL DALAM MENINGKATKAN USAHA MIKRO MELALUI PEMBIAYAAN MUDHARABAH (Studi Kasus BMT Fajar Cabang Cileungsi Bogor Periode 2018-2019)

2021 ◽  
Vol 6 (01) ◽  
pp. 47-54
Author(s):  
Sarwo Edy Sarwo ◽  
Rayuningsih
Keyword(s):  
Small And Medium Enterprises ◽  
Field Research ◽  
Research Process ◽  
Profit Sharing ◽  
Research Field ◽  
Microfinance Institutions ◽  
Library Research ◽  
The People ◽  
Medium Enterprises

This research is motivated by the presence of Islamic Microfinance Institutions in the form of BMT, namely BMT Fajar in the community, especially the people of Cileungsi-Bogor, is expected to bring changes in various aspects of people's lives. In the case of the people of Cileungsi Village, Bogor Regency, where the community is not familiar with Sharia Microfinance Institutions such as BMTs well. Until finally people prefer to make loans to Mobile Banks or so-called loan sharks with interest that are not small as business financing capital, it is the habit of borrowing capital to loan sharks that is the problem and attracts the author's interest to do research. This study aims to determine the background of BMT Fajar in providing mudharabah financing, to know the mudharabah financing procedure, and to determine the role of mudharabah financing in BMT Fajar. The methodology used in this study used a qualitative approach, namely field research and library research. Field research is data collection techniques using observation, interview and documentation methods with Branch Heads, BMT Fajar Cileungsi-Bogor UMKM entrepreneurs, and their business customers. So as to get accurate data on the research process, and library research data, namely by means of data analysis using inductive, deductive and comparative. Through interviews and observations, it can be seen that based on the results of the research it can be concluded that the role of BMT Fajar's Cileungsi branch in improving micro-businesses is by BMT Fajar to provide financing products that are not difficult in terms of capital, which do not apply the usury system in the operational system, but are replaced with a profit sharing system. between BMT and members in accordance with Islamic Sharia. One of them is through Mudharabah financing. Because they saw many Little Pengusa who had gone out of business. Whereas Small and Medium Enterprises have the potential for development in facing the Economic Crisis.

scholarly journals Peran Kepala Sekolah Dalam Mengembangkan Mutu Budaya Organisasi

2018 ◽  
Vol 2 (2) ◽  
pp. 407
Author(s):  
ZM Abid Mohammady
Keyword(s):  
Organizational Culture ◽  
Field Research ◽  
Education Institution ◽  
Quality Of Education ◽  
A Value ◽  
Qualitative Descriptive ◽  
The Impact

Abstract: In the context of Indonesia, the quality of education seems to be something taboo to talk about, however, according to researchers the quality of education in Indonesia is very apprehensive. It is necessary for the role of headmaster and special efforts in developing a quality education institution through organizational culture as a value system that is understood, imbued, run jointly by members of the organization as a system of meaning or guidance for the organizers. This study aims to describe the three roles and impacts role of the headmaster role in developing the quality of organizational culture, they are: (1) the role of the headmaster as a manager; (2) the role of the headmaster as the educator; (3) the role of the headmaster as the supervisor; 4) The impact of the headmaster's role in developing the quality of organizational culture quality at SDMT Ponorogo. This research is categorized into a field research with qualitative descriptive approach and the research design was case study. The setting of study was at SDMT Ponorogo.  The findings showed that (1). The role of headmaster as manager encompasses conducting internal and external analysis, internalizing the Islamic value that is kemuhamadiyahan value. (2). The role of the headmaster as an educator includes involving educators in upgrading, workshops or training in order to provide opportunities for educators to improve their knowledge and skills by learning to the higher education, conducting cadre to members of organizational culture and creating jargon to motivate members of organizational culture. (3). The role of the headmaster as a supervisor comprises overseeing and Evaluating the performance and achievement of members of organizational culture, conducting weekly, monthly and semester meetings, monitoring achievements of educators and learners. (4) The impact of the school headmaster's role in developing the quality of organizational culture is organizational culture climate becomes harmonious and schools achieve more attainments.Abstrak: Dalam konteks Indonesia, mutu pendidikan seolah-olah menjadi barang yang tabu untuk diperbicangkan, dalam konteks tersebut kualitas pendidikan di Indonesia sangat memperihatinkan. Untuk itu diperlukan peran kepala sekolah dan Upaya khusus dalam mengembangkan sebuah mutu lembaga pendidikan melalui budaya organisasi sebagai sistem nilai yang dipahami, dijiwai, dijalankan secara bersama oleh anggota organisasi sebagai sistem makna atau pedoman bagi pelaku organisasi. Penelitian ini bertujuan untuk mendeskripsikan dan menjelaskan tiga peran serta dampak peran  kepala sekolah dalam mengembangkan mutu budaya organisasi, yaitu: (1) Peran kepala sekolah sebagai Manajer, (2) Peran kepala sekolah sebagai Educator, (3) Peran kepala sekolah sebagai supervisor, dan (4) Dampak peran kepala sekolah dalam mengembangkan mutu budaya organisasi di SDMT Ponorogo. Dengan menghasilkan temuan: (1).Peran kepala sekolah sebagai manajer diantaranya: melakukan analisis internal dan eksternal, menginternalisasi nilai keislaman yaitu nilai kemuhammadiahan. (2). Peran kepala sekolah sebagai educator diantaranya: mengikut sertakan pendidik dalam penataran, workshop atau pelatihan memberikan kesempatan kepada pendidik untuk meningkatkan pengetahuan dan keterampilannya dengan belajar ke jenjang pendidikan yang lebih tinggi, melakukan pengkaderan kepada anggota budaya organisasi. membuat jargon-jargon untuk memotivasi anggota budaya organisasi. (3). Peran kepala sekolah sebagai supervisor diantarnya: mengawasi dan mengevaluasi kinerja dan pencapaian anggota budaya organisasi, mengadakan rapat setiap, minggu, bulan dan semester, memantau prestasi pendidik dan peserta didik. (4) Dampak peran kepala sekolah dalam mengembangkan mutu budaya organisasi diantaranya: iklim budaya organisasi menjadi harmonis, sekolah menjadi lebih berprestasi.

Role of Young Entrepreneurs in Labor Absorptions and its Implications to Family Economic Resilience

2021 ◽  
Vol 1 (1) ◽  
pp. 16-27
Author(s):  
Azhar Ulwan
Keyword(s):  
Data Analysis ◽  
Customer Service ◽  
Financial Management ◽  
Primary Data ◽  
Economic Resilience ◽  
Analysis Technique ◽  
Data Validity ◽  
The Impact ◽  
Young Entrepreneurs

The purpose of this study is to determine the role of young online convection entrepreneurs in labor absorption and the obstacles faced by young online convection entrepreneurs as well as to analyze the implications of young online convection entrepreneurs in Bantul Regency on their family economic resilience. This research used a qualitative approach. Primary data is obtained from observations and in-depth interviews with 5 young entrepreneurs from 5 different online convection, namely Arto Convection, Apparelsae Convection, Convection San Project, ID Convection, and Indeepco Clothing. The data analysis technique used is interactive model data analysis. This study used data validity checking techniques, namely triangulation, and detailed description techniques. The results of the research showed that young entrepreneurs have a role in labor absorption and provide income to the owner convection. Some of the obstacles often encountered by young entrepreneurs of convection online are a constraint on the production, financial management, management of marketing, customer service online base, less qualified human resources constraints, and constraints background education entrepreneurs who are not majoring in business. Young online convection entrepreneurs have made several efforts to overcome these obstacles. Based on the analysis with the income contribution approach and the basic need approach, the impact of online convection makes the economic resilience of young entrepreneur families strong and resilient.

scholarly journals Penerapan Sistem Informasi Manajemen dalam Pengelolaan Data Di SMP N 1 Talamau

2019 ◽  
Author(s):  
hanifa zakia
Keyword(s):  
Information System ◽  
Information Systems ◽  
Human Resources ◽  
Data Management ◽  
Data Storage ◽  
Management Information System ◽  
Management Information Systems ◽  
Field Research ◽  
Management Information ◽  
The Impact

Includes data management and data storage management is done simply where data is only stored in an excel. It looks less effective and efficient in the development of technology. This is the implementation of Management Information System is already being adopted by schools, especially in SMP N 1 Talamau. The method used is field research that is qualitative research that is intended to understand the phenomenon of what is experienced by the researcher, for example perception, behavior, events, actions and so on. This researcher used a qualitative descriptive method, a method that is focused on the problems of the existing problems in the present, then analyzed to obtain data and information. The results of the study suggested that the existing management information systems already meet the standards, both in terms of the student, curriculum, human resources (HR), the facilities and the quality of the user, who is able to manage the activities that exist in the school. The few things that support the implementation of the utilization of management information systems in data management are: 1). human resources, 2). Job Description (division of labor), 3). Means, 4). Special Applications, 5). Library, 6). Learners. As for the impact caused by the existence of a management information system in this study had 4 impact, namely: 1). For headmaster, 2). For the administration, 3). For the teacher, and 4). For learners.

scholarly journals The impact of microfinance to borrowers. business, personal and financial status and the mediating role of service satisfaction: evidence from the Philippines

2021 ◽  
Author(s):  
Arneil Garcia Gabriel ◽  
Jeff B. Suyu ◽  
Jennifer G. Fronda ◽  
Vilma Ramos
Keyword(s):  
Quantitative Research ◽  
Small And Medium Enterprises ◽  
The Philippines ◽  
Small Scale ◽  
Microfinance Institutions ◽  
Quantitative Research Methods ◽  
Financial Status ◽  
Level Of Satisfaction ◽  
Microfinance Institution ◽  
The Impact

Abstract The backbone of the economy of a developing country like the Philippines is its small and medium enterprises relying on soft loans provided by microfinance institutions. To assess the level of satisfaction of microfinance borrowers on the services of microfinance institution and their services as well as its impact to the business, personal and financial status are necessary for the continued operation of this industry. The objective of this study is to measure the customer level of satisfaction of the services of a microfinance institution in the Philippines and determine its impacts on the customers’ small scale business. The study used a mixed of qualitative and quantitative research methods to gather data and analyze them. The study found that the micro finance institution is giving its borrowers quality services as manifested by a very satisfied rating to the four services provided. It was also described that the institution is positively bringing impact on its borrowers’ business, personal & financial status as manifested by a high and very high impact on the two variables. The study finally revealed that the profile of the customers has significant relationship with the level of satisfaction and impact to business of its borrowers while some areas of services have to be revisited to prevent customer dissatisfaction as there are signs showing low level of satisfaction.

scholarly journals Peranan Kepala Desa Dalam Pelaksanaan Pembangunan Ditinjau Dari Fiqh Siyasah dan UU Desa No. 6 Tahun 2014

2020 ◽  
Vol 5 (2) ◽  
pp. 91
Author(s):  
Mirza Rahmatillah ◽  
Ridwan Nurdin
Keyword(s):  
Community Participation ◽  
Descriptive Analysis ◽  
Field Research ◽  
Secondary Data ◽  
Research Field ◽  
Primary Data ◽  
Library Research ◽  
Head Of Government ◽  
The Village

The success of developing a village cannot be separated from the role of the Village Head and the entire community. A developed village can be seen from the adequate facilities and infrastructure. The head of government has a big responsibility for the progress of his village in order to create a prosperous society. The formulation of the problem in this study is how the role of the village head in the implementation of development in Li-Eue Village and how the Siyasah Fiqh and Village Law review the role of the village head in the implementation of development in Li-Eue Village. This type of research is classified as field research (field research), which is descriptive analysis, namely research that tells and describes data sourced from primary data through interviews, observations and reports in the form of documents and secondary data by conducting library research in the form of Al- Qur'an, Hadiths, opinions of scholars, laws and regulations, documents and books and other scientific works. Based on the results of the analysis, it can be concluded that the role of the Li-Eue Village head in the implementation of development in Li-Eue Village is generally less than optimal so that it is less trustworthy or responsible for the duties as village head. Judging from the existence of several developments that have not been implemented. And less transparent and less mobilizing community participation. Review of Siyasah Fiqh and Village Law, namely leaders who are less trustworthy and less responsible.

scholarly journals Mitigasi Risiko Pembiayaan Pada Bank Perkreditan Rakyat Syariah (BPRS) Safir Cabang Curup Kabupaten Rejang Lebong

2018 ◽  
Vol 3 (2) ◽  
pp. 85
Author(s):  
Ika Gustin Rahayu ◽  
Hendrianto Hendrianto
Keyword(s):  
Risk Mitigation ◽  
Descriptive Analysis ◽  
Field Research ◽  
Secondary Data ◽  
Analysis Data ◽  
Research Field ◽  
Mitigation Measures ◽  
Microfinance Institutions ◽  
Lower Middle Class ◽  
Strategic Risk

Increasingly better risk mitigation will help realize the objectives of the BPRS, namely to improve the economy of the lower middle class. BPRS as one of the microfinance institutions must be faced with risks, especially financing risks. The purpose of this study is to find out the risk mitigation actions carried out by BPRS SAFIR in order to minimize risks properly. This research is a field research (field research) that uses a qualitative approach withmethod descriptive analysis. Data collection used is interviews with accounting staff and secondary data from the literature related to risk in BPRS. The analysis technique used is to classify the data obtained with each category which is then analyzed. The results of this study are: There are several stages of financing procedures at BPRS SAFIR, first is the submission of a financing application, the second is submission of the file to the Account Officer; Third initial survey by the Account Officer in charge, Fourth follow-up survey with several Account Officers; The five decisions on funding by branch managers, the sixth realization decision. The financing risk faced by BPRS SAFIR is credit risk and strategic risk, these two risks are also prioritized by BPRS SAFIR because they are caused by both partners. The mitigation measures of BPRS SAFIR in reducing risk are carried out by:First, establishing certain conditions for each financing that must be met by prospective recipients of financing facilities.The two binding guarantees are fixed assets and movable assets. Third, do monitoring periodic.

scholarly journals PERAN WARGA SEKOLAH DALAM PEMBENTUKAN KARAKTER RELIGIUS PESERTA DIDIK

QATHRUNÂ ◽  
2021 ◽  
Vol 8 (2) ◽  
pp. 42
Author(s):  
Al Hudri ◽  
Hunainah Hunainah
Keyword(s):  
Elementary School ◽  
Field Research ◽  
Research Field ◽  
Education Students ◽  
Changing Times ◽  
Role Of Parents ◽  
Teachers And Parents ◽  
Character Building ◽  
At Home

This study aims to determine the role of school residents in the formation of the religious character of students in Al Husna Islamic Elementary School and Al Qudwah Elementary School. This study uses a qualitative approach with the type of field research (field research). The research was conducted in two places, namely (1) Al Husna Rangkasbitung Islamic Elementary School and Al Qudwah Integrated Elementary School Kalanganyar. Data were collected by in-depth interviews, observation, and documentation. The results of this study are; (1) religious character is needed and must be possessed by students to face changing times and moral degradation. The formation of religious character can be assessed from the aspect of the spiritual attitude of students. (2) the role of school residents such as principals, teachers and parents is very important in shaping the character of students, educators as second parents in schools are the main motor in shaping the religious character of students. (3) the role of parents cannot be underestimated in an education, students who spend more time at home ideally parents should be able to synergize in the formation of the religious character of students when at home. (4) inhibiting factors for the formation of religious character in Islamic schools, one of which is educational policies that are not in line with the school program. (5) efforts are being made to optimize the formation of religious characters by providing education and training for teachers around character building, appreciation of students and parental liaison books.

scholarly journals REKONSTRUKSI PERAN TUAN GURU DALAM PENCEGAHAN DAN PEMBERANTASAN NARKOBA DI LOMBOK

2019 ◽  
Vol 19 (1) ◽  
pp. 144
Author(s):  
MS Udin ◽  
Tuti Harwati
Keyword(s):  
Drug Effects ◽  
Field Research ◽  
Drug Prevention ◽  
Research Approach ◽  
Young Generation ◽  
Drug Problem ◽  
Critical Issues ◽  
Personal Approach ◽  
The Impact

Research on reconstruction on the role of Tuan Guru (teacher) in the prevention and eradication of drugs in Lombok is field research using a qualitative research approach. This study aims to explore three critical issues. First, it analyzes the role of Tuan Guru in Lombok society. Second, it explains the reconstruction format of Tuan Guru as the efforts of preventing and eradicating drugs. Third, it describes the impact of the reconstruction role of Tuan Guru on drug prevention and eradication efforts. The findings elucidate that first: the roles of Tuan Guru in the Lombok Community were: 1) as an Ulama, 2) as a social problem controller or supervisor, 3) as an innovator of change towards betterness, 4) as a supporter of community independence. Second, the formats of reconstruction roles which were carried out in the efforts of preventing and eradicating drugs were as follows: 1) carry out a personal approach mechanism, 2) enforce a real action, 3) serve a counseling activity, 4) empower the community economy. Third, the roles played by Tuan Guru in preaching to deal with the drug problem were found to be very effective. Tuan Guru had succeeded in eliminating drug effects on the young generation. This could be proven as the number of drug cases decreases as reported by the drug investigation directorate of Lombok Barat.

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