scholarly journals Analisis Penentuan Margin Pembiayaan Murabahah pada PT. Bank Syariah X Cabang Pontianak

2017 ◽  
Vol 6 (3) ◽  
pp. 175
Author(s):  
Nur Fitriana Hamsyi
Keyword(s):  
Risk Premium ◽  
Islamic Banks ◽  
Literature Study ◽  
Expected Return ◽  
Overhead Cost ◽  
Descriptive Research ◽  
Qualitative Descriptive ◽  
Conventional Banks ◽  
The Cost

The purpose of this research is to find out how to determine the margin of murabahah financing, and components considered by Bank Syariah X Pontianak Branch. This is a qualitative descriptive research by investigating directly to the field in order to get more detail informations.Data collections were done by conducting observation, interview, documentation and literature study. From the research results, it can be concluded that the determination of murabahah margin in Bank Syariah X Branch Pontianak was using base lending rate approach where the components were among others the cost of fund, overhead cost, expected return, and risk premium. The margin set by the Syariah Bank at the beginning of the contract and should not be changed until the end of the contract and this distinguishes Islamic banks with conventional banks.

ANALISIS NILAI KOHESI DAN KOHERENSIDALAM TERJEMAHAN AL-QUR’AN SURAH AL AL ZALZALAH

2016 ◽  
Vol 1 (2) ◽  
pp. 23
Author(s):  
MUNIRAH MUNIRAH ◽  
HUSAIN SYARIFUDDIN
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Data Classification ◽  
Research Data ◽  
Relative Pronoun ◽  
Second Person ◽  
Record Keeping ◽  
Descriptive Research ◽  
Qualitative Descriptive

This study aimed to describe the value of cohesion and coherence contained in the translation of the Qur'an surah Al Zalzalah. This study was a qualitative descriptive research, research data collection techniques using three techniques namely, inventory, rading and understanding, and record keeping. The data analysis used the coding of data, classification data, and the determination of the data. The results showed that the cohesion markers used in the translation of surah Al Zalzalah discourse are: 1) reference, 2) pronouns, ie pronouns second person, and third, the relative pronoun, the pronoun pointer, pen pronouns and pronouns owner, 3 ) conjunctions, namely temporal conjunctions, coordinating conjunctions, subordinating conjunctions, and conjunctions koorelatif, and 4) a causal ellipsis. It mean that there was a coherence in the translation of surah Al Zalzalah discourse are: the addition or addition, pronouns, repetition or repetition, match words or synonyms, in whole or in part, a comparison or ratio of conclusions or results. Keywords: Cohesion, Coherence, sura Al Zalzalah AbstrakPenelitian ini bertujuan untuk mendeskripsikan nilai kohesi dan koherensi yang terdapat dalam terjemahan Al-Qur’an surah Al Zalzalah. Jenis penelitian ini termasuk jenis penelitian deskriptif kualitatif, Teknik pengumpulan data penelitian menggunakan tiga teknik yakni, inventarisasi, baca simak, dan pencatatan. Teknik analisis data menggunakan pengodean data, pengklasifikasian data, dan penentuan data. Hasil penelitian menunjukkan bahwa pemarkah kohesi yang digunakan dalam wacana terjemahan surah Al Zalzalah adalah: 1) referensi, 2) pronomina, yaitu kata ganti orang kedua, dan ketiga, kata ganti penghubung, kata ganti penunjuk, kata ganti penanya dan kata ganti empunya, 3) konjungsi, yaitu konjungsi temporal, konjungsi koordinatif, konjungsi subordinatif, dan konjungsi koorelatif, dan 4) elipsis kausal. Sarana koherensi yang terdapat di dalam wacana terjemahan surah Al Zalzalah adalah: penambahan atau adisi, pronomina, pengulangan atau repetisi, padan kata atau sinonim, keseluruhan atau bagian, komparasi atau perbandingan simpulan atau hasil.Kata Kunci: Kohesi, Koherensi, surah Al Zalzalah

scholarly journals PELAKSANAAN HUMAS DALAM SOSIALISASI PROGRAM JAMINAN SOSIAL KETENAGAKERJAAN DI KANTOR BPJS KETENAGAKERJAAN PADANG

Jurnal Ecogen ◽  
2018 ◽  
Vol 1 (2) ◽  
pp. 308
Author(s):  
Sharly Yoenaz
Keyword(s):  
Social Security ◽  
Public Relations ◽  
Snowball Sampling ◽  
Model Data ◽  
Social Security Program ◽  
Analysis Techniques ◽  
Descriptive Research ◽  
Qualitative Descriptive ◽  
The Media

The implementation of public relations in the socialization of the labor social security program at the BPJS Ketenagakerjaan Padang has not been carried out optimally because the socialization carried out does not cover all BPJS Employment stakeholders and socialization media that are underutilized optimally. The purpose of this study was to determine the implementation of public relations in the socialization of the labor social security program at the BPJS Ketenagakerjaan Padang. The method used is Qualitative Descriptive Research. Determination of Informants in this study was carried out with Snowball Sampling Techniques. Data collection is done through Observation, Interview and Documentation, with Model Data Analysis Techniques of Miles and Huberman. The findings in this study indicate that (1) the socialization of the labor social security program is not carried out directly to workers; (2) the lack of awareness of employers registering workers in the BPJS Ketenagakerjaan Padang program; (3) the media for socialization of the labor social security program has not been used optimally.Keyword: Public Relations, Socialization, Employment Social Security

scholarly journals Analisis Komposisi Soundtrack Epic “You See Big Girl” Karya Hiroyuki Sawano dalam Serial Animasi Attack on Titan

2020 ◽  
Vol 3 (2) ◽  
pp. 73
Author(s):  
Metta Muliani
Keyword(s):  
Research Methods ◽  
Film Industry ◽  
Musical Composition ◽  
Literature Study ◽  
Descriptive Research ◽  
Qualitative Descriptive ◽  
Battle Scene ◽  
Composition Technique

Action-fantasy are some movie genres that has the most expansive franchises in film industry and tend to use cinematic music to correlate the atmosphere and emotions of the movie’s imaginary universe. The analysis of You See Big Girlis due to its majestic cinematic music arrangement, its suitability in accompanying the battle scene, and also can be enjoyed as an independent track despite of its role in accompanying the scene. This qualitative descriptive research aims to analyze the musical composition technique by describing the epic musical element. This research contains of literature study, discography, and observation as the research methods, along with the approach of Lehman and Derrick Werlé’sexamine on epic music to analyze the epic element. The result shows that the You See Big Girl is one of the various epic music with the use of battle and war instrument, as well as tension built gradually from a section to the following by the use of polyrhythm, marcato accent, big crescendo, sequence, sudden silence to ends the musical phrase, ostinato, and abstract theme, to portray a majestic, vibrant, war and battle scene, and the greatness through the music. Keywords: analysis, composition, animation, epic soundtrack, You See Big Girl 

scholarly journals MAJA LABO DAHU SLOGAN IN CHARACTER EDUCATION

2019 ◽  
Vol 9 (2) ◽  
Author(s):  
Mulyadin Mulyadin ◽  
Amat Jaedun
Keyword(s):  
Character Education ◽  
Subject Matter ◽  
Religious Values ◽  
Case Study Approach ◽  
Study Approach ◽  
Descriptive Research ◽  
Teachers And Students ◽  
Qualitative Descriptive

Abstrak: Tujuan dari penelitian ini untuk mengungkapkan: (1) nilai-nilai semboyan maja labo dahu dalam pendidikan karakter;  (2) implementasi semboyan maja labo dahu dalam pendidikan karakter;  (3) efektivitas implementasi semboyan maja labo dahu dalam pendidikan karakter di MTs Negeri 1 Kota Bima. Penelitian ini adalah penelitian deskriptif kualitatif dengan menggunakan pendekatan studi kasus. Penentuan  subjek penelitian yang dilakukan dengan teknik purposive. Data dikumpulkan melalui observasi, wawancara, dan dokumentasi. Data dianalisis dengan menggunakan teknik analisis kualitatif model interaktif dengan langkah-langkah: pengumpulan data, reduksi data, penyajian data, dan kesimpulan. Hasil penelitian menunjukkan bahwa: (1) Nilai-nilai semboyan maja labo dahu sesuai dengan nilai-nilai dalam pendidikan karakter, yaitu: nilai religius, jujur, disiplin, mandiri, menghargai prestasi, dan cinta tanah air. (2) Implementasi semboyan maja labo dahu belum dirumuskan secara eksplisit atau dibakukan sebagai materi pelajaran. (3). Semboyan  maja labo dahu telah efektif memberikan pengetahuan moral tentang nilai-nilai semboyan maja labo dahu kepada siswa. Kata Kunci:   semboyan,  maja labo dahu,  pendidikan karakter MAJA LABO DAHU SLOGAN IN CHARACTER EDUCATION Abstract: The purpose of this research was to reveal: (1) ) the values of the maja labo dahu slogan in character education; (2)  the implementation of   maja labo dahu  slogan  in character education; (3) the effectiveness of the implementation  of maja labo dahu  slogan in character education in Public MTs 1 Bima City. This research is a qualitative descriptive research using case study approach in Public MTs 1 Bima City. Informants in this study were principals, teachers, and students of Public MTs 1 Bima City. Determination of research was subjects conducted with purposive techniques. Data were collected through observation, interviews, and documentation. The results showed that: (1) The values of maja labo dahu slogan were in accordance with the values in character education, namely: religious values, honest, disciplined, independent, appreciating achievement and loving the homeland. (2) the implementation of maja labo dahu slogan in Public MTs 1 Bima City was not formulated explicitly or standardized as subject matter. (3) The slogan maja labo dahu has effectively provided moral knowledge about the values of maja labo dahu  to learners. Keywords: Maja labo dahu slogan,,  character education

scholarly journals A meta-crisis banking efficiency study in the MENA region

2020 ◽  
Vol 11 (9) ◽  
pp. 2087-2112
Author(s):  
Ioannis Anagnostopoulos ◽  
Emmanouil Noikokyris ◽  
George Giannopoulos
Keyword(s):  
Empirical Work ◽  
Efficiency Index ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Gulf Region ◽  
Bank Efficiency ◽  
Content Type ◽  
Conventional Banks ◽  
The Cost ◽  
Revenue Efficiency

Purpose The purpose of this paper is to comparatively examine the cost and the overlooked revenue efficiency of Islamic and commercial banks in the aftermath of the crisis, operating in nine MENA-based countries during the 2010-2017 financial period, where the established empirical work is relatively limited. The authors also update the research where they use recent data sets and they provide for a targeted, structured literature review pre- and post-crisis in the Gulf region. Design/methodology/approach The authors examine cost and revenue efficiency of 25 major Islamic banks (IBs) and 25 major conventional banks (CBs). They conduct tests on the determinants of such variables. In the first stage of the analysis, they measure efficiency by using the data envelopment analysis (DEA) technique. The analysis performs regressions where these also reveal that the bank efficiency index is influenced by various bank type-specific attributes. It also seems that tighter restrictions on bank activities are negatively associated with bank efficiency. Second stage analysis, which accounts for banking environment and bank-level characteristics, confirms these results. Findings Conventional banks are both more cost and revenue efficient than Islamic banks over the period under examination. The analysis also reveals that the bank efficiency index is influenced by bank-type attributes. Greater presence of fixed capital resources has positive effects on growth in both Islamic and conventional banking. The major constraints impeding Islamic banking growth include labour costs. The authors examine whether and how bank-type orientation affects the cost and revenue efficiency of conventional and Islamic banks. They find that post-crisis Islamic banks underperform their conventional counterparts on both accounts within a mixed banking system. Research limitations/implications This study did not include comparative data before the 2008 financial crisis. There is also a great deal of heterogeneity among Islamic banks in the samples that have been examined here and by other researchers and the constructed efficiency scores should be interpreted cautiously as divergent Islamic banks are pooled in the same samples. Practical implications This study identified factors that may help bank managers to improve their financial outlook by controlling revenue and cost efficiency profitability. These factors could as well help to understand how some indicators affect both cost and revenue efficiency, particularly in Islamic banking. It also seems that tighter restrictions on Islamic bank activities are negatively associated with bank efficiency. Islamic banks that directly compete with their conventional counterparts in the aftermath of the crisis are less efficient on both the cost and revenue frontiers. They are potentially hindered by the differential regulations of supervising authorities in dual banking systems. Social implications The authors provide recommendations regarding regulatory and other issues that are relevant to Islamic banking and further research is suggested. Findings are relevant to a variety of stakeholders (managers, policymakers and regulators). Islamic banking authorities could re-examine the benefits of partially moving to a more standardized/conventional system of banking by lifting some trading restrictions. In addition, developing and maintaining managerial skills is an indispensable instrument for the long-term endurance of any system. A related aspect is thus an effort to determine the holistic efficiency (including managerial) of Islamic banks as a guide for policymakers to improve managerial performance. Originality/value There is relatively limited empirical work that investigates the efficiency between Islamic and conventional banking in the aftermath of the crisis in the Gulf region despite the growing importance of this region on political and economic levels. The authors also examine the revenue efficiency measure often under-researched in the literature and particularly important for comparative studies. Overseas-owned banks have attained much higher infiltration levels in middle-eastern countries over the past decade. It has also been suggested that market penetration differences may also be related to bank efficiency concerns among countries and their financial systems as opposed to types of banks.

scholarly journals ANALISIS EFEKTIVITAS PENETAPAN JALUR TERKAIT DENGAN DWELLING TIME DI KANTOR PELAYANAN UTAMA BEA DAN CUKAI TIPE A TANJUNG PRIOK

2019 ◽  
Vol 1 (1) ◽  
pp. 57-69
Author(s):  
Sunarmin Sunarmin ◽  
Noviandari Sari Utami ◽  
Wiwin Eka Yulianita
Keyword(s):  
Data Collection ◽  
Dwelling Time ◽  
Descriptive Research ◽  
Directorate General ◽  
Qualitative Descriptive ◽  
Loading And Unloading ◽  
Unloading Time

Path determination is one of the customs procedures regulated in Law No. 17 of 2006 on customs. Considering the Directorate General of Customs and Excise, especially Tanjung Priok Customs and Excise KPU is faced with two functions, namely service and supervision, the strategic step taken to answer the problems of both functions is by determining the path. This study aims to discuss the determination of paths associated with dwelling time. The main problem in this research is the extent of the effectiveness of the application of the determination of the path and its relation to the dwelling time which is the loading and unloading time of the container carried from the vessel to the container out of the port. This research is a qualitative descriptive research with data collection techniques in the form of interviews and data secondary. From the results of interviews and data processed by the authors then concluded that with the establishment of a system of determining the path at the Tanjung Priok Customs and Excise KPU has been quite effective in reducing the dwelling time in the port of Tanjung Priok.

scholarly journals How leverage can improve performance

2020 ◽  
Vol 83 ◽  
pp. 01031
Author(s):  
Miroslav Kmeťko ◽  
Eduard Hyránek
Keyword(s):  
Risk Premium ◽  
Expected Returns ◽  
Tax Rates ◽  
Expected Return ◽  
Tax Rate ◽  
Equity Ratio ◽  
Risk Free Rate ◽  
The Cost ◽  
Managed Portfolios ◽  
The Impact

One of the best-known Capital Asset Pricing Model (CAP/M) provides us with a methodology for measuring the relationship between the risk premium and the impact of leverage on expected returns. However, this model is not used only to value the cost of capital but also to evaluate the performance of managed portfolios. We will test how the expected return changes in percent by changing the debt-equity ratio and the tax rate based on following assumptions: market return 7%, risk-free rate of return 1% and beta 1.2. These assumptions will be constant and we will change the debt-equity ratio and tax rate. Based on these results, it is clear that the change in profitability varies, in relation to the change of the DE ratio by one tenth. As for changes I n tax rates, changes in expected profitability are not entirely in direct proportion to these changes.

scholarly journals Upaya Pembentukan Karakter Siswa Melalui Kegiatan Organisasi Siswa Intra Sekolah (Osis) Di SMP Negeri 6 Singaraja

2021 ◽  
Vol 1 (2) ◽  
pp. 53-62
Author(s):  
I Gusti Ayu Ngurah Trisna Widya Ningrum ◽  
I Wayan Lasmawan ◽  
I Nengah Suastika
Keyword(s):  
Research Method ◽  
Student Leadership ◽  
Student Organizations ◽  
Data Retrieval ◽  
Basic Training ◽  
Descriptive Research ◽  
Student Council ◽  
Qualitative Descriptive ◽  
Research Objects

This study aims to determine the effort to shape student character through the activities of intra-school student organizations (OSIS) in SMP Negeri 6 Singaraja. The research method used in this study is a qualitative descriptive research method that is research with direct decrease in spaciousness. In this study the determination of subjects and research objects using purposive sampling techniques, is data retrieval with several considerations so that the data will be more representative of all. Data collection using the method of observation, interviews, documentation and study of literature. Checking the validity of the data is obtained through data triangulation, method triangulation and source triangulation. The results of this study indicate that: (1) Character values applied through OSIS activities in which almost 18 character values are applied to students or all school members according to their respective portions. (2) One of the efforts to form student character through student council activities by participating in various activities that have been designed by student council, because in these activities can form student characters including participating in LKDS (Student Leadership Basic Training), in addition to other student council activities that can shape the character of students by conducting raids on every Saturday able to improve the discipline of all students in the school. (3) The obstacles in the effort to form student character through student council activities include lack of confidence in the student council members or student council organizers in carrying out activities or participating in activities, the difficulty of regulating hours between playing, studying, and organizing, this happens because of background and economics differentstudents.

scholarly journals Implementation Of The Pentahelix Approach Model Against Development Sustainable Tourism In Bukittinggi City Towards A National Leading Tourism Destination

2019 ◽  
Vol 1 (2) ◽  
pp. 20-30
Author(s):  
Siti Fatimah, Jefri Naldi
Keyword(s):  
Sustainable Tourism ◽  
Qualitative Approach ◽  
City Government ◽  
Data Validation ◽  
Tourism Destination ◽  
Literature Study ◽  
Descriptive Research ◽  
The Media ◽  
The City

This objective is to describe how the Pentahelix approach model in developing sustainable tourism in the City of Bukittinggi towards a national leading tourism destination. This research is a descriptive research using a qualitative approach. Data were collected through: interviews, observation and literature study. Determination of informants using purposive presentation techniques and key informants of the Head of the Tourism and Culture Office of the City of Bukittinggi. Data analysis by means of: data condensation, data levers and withdrawals. The data validation used source triangulation. The results of the study: (1) The development of tourism in the city of Bukittinggi using the Pentahelix approach model has involved the Bukittinggi City Government, Tourism Academics and Practitioners, Communities and Communities, Business Actors, and the Media. (2) The findings from the field show that the roles and duties of stakeholders are not optimal and (3) The collaboration between stakeholders in the City of Bukittinggi from the results of the research is not synergistic.

PERHITUNGAN HARGA POKOK PRODUKSI DENGAN METODE FULL COSTING PADA USAHA AMPLANG UD. TAUFIK JAYA MAKMUR DI SAMARINDA

2020 ◽  
Vol 8 (2) ◽  
pp. 142
Author(s):  
Muhammad Ramadhani
Keyword(s):  
Raw Materials ◽  
Production Costs ◽  
Selling Price ◽  
Labor Costs ◽  
Descriptive Research ◽  
Cost Of Production ◽  
The Difference ◽  
The Cost ◽  
Production Period

Determination of cost of goods must be applied appropriately and careful, because this can help entrepreneurs to compete in a manner well and in a relatively long period of time. The purpose of this study was to determine the calculation of the cost of production of the UD Taufik Jaya Makmur Samarinda Samarinda business which is used today and the calculation of the cost of production in the UD Taufik Jaya Makmur Samarinda Samarinda business according to the full costing method. Full costing is a method of determining the cost of production that takes into account all elements of production costs into the cost of production, which consists of the cost of raw materials, direct labor costs, and factory overhead costs, both behaving variable and fixed. The method used in this research is descriptive research with a quantitative approach. The variables of this study include the cost of production using the full costing method. Data analysis was performed by calculating the cost of production based on the concept of the full costing method. The results showed that the results of the analysis of the calculation of the Cost of Production of envelopes per kg in the UD Taufik Jaya Makmur Samarinda Endeavor conducted at present were Rp. 80,312.50 per kg. Whereas the Cost of Production of envelopes per kg in the UD Taufik Jaya Makmur Samarinda Business in Samarinda if calculated using the full costing method is Rp 83,068.23 per kg. The difference in cost of production of the UD Taufik Jaya Makmur Samarinda Amplang Business conducted so far using the full costing method for the UD Taufik Jaya Makmur Samarinda Endeavor is Rp 2,755.73 per kg. It is recommended that UD Taufik Jaya Makmur in Samarinda should calculate and charge all elements of the factory overhead costs in one production period (month). This is done so that information about the cost of production can be a good basis for the factory in setting the selling price of envelopes at UD Taufik Jaya Makmur in Samarinda.

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