scholarly journals PENYALURAN KREDIT USAHA KECIL TERHADAP PENGUSAHA EKONOMI LEMAH

2018 ◽  
Vol 2 (1) ◽  
pp. 43-54
Author(s):  
Hasanuddin Hasanuddin ◽  
Fakhruddin Mansyur ◽  
Ulil Amri ◽  
Siti Walidah Mustamin

AbstrakPenelitian ini mengemukakan tentang analisis kualitatif Penyaluran Kredit/Pembiayaan Bank. Dengan fokus masalah yaitu bagaimana penyaluran pembiayaan Tujuan penelitian ini adalah memperoleh data tentang bagaimana penyaluran pembiayaan. Jenis penelitian ini adalah penelitian lapangan (field research) yang bersifat studi kasus dengan menggunakan pendekatan kualitatif deskriptif dan proses penyimpulan hasil penelitian dengan  cara berfikir induktif, metode  yang  digunakan  ialah  metode  kualitatif  yaitu  strategi meneliti yang lebih banyak memanfaatkan dan mengumpulkan informasi secara mendalam ter­hadap fenomena yang diteliti. Analisis ini dilakukan dengan cara menelaah dan mengkaji secara mendalam terhadap data yang didapat, sehingga diperoleh kesimpulan yang dapat dipertanggungjawabkan dalam kajian ilmiah. Berdasarkan hasil penelitian di lapangan penyaluran pembiayaan yang dilakukan sudah sesuai dengan prosuder yang ada yaitu berdasarkan peraturan dan ketentuan yang sudah di tetapkan oleh Bank yaitu setiap nasabah yang datang ke bank untuk meminta pembiayaan harus memenuhi semua persyaratan dari Bank.Kata Kunci: Penyaluran, Pembiayaa, Ekonomi Lemah AbstractThis research proposes about qualitative analysis of Credit Distributi / Bank Financing. With the focus of the problem is how the distribution of financing The purpose of this study is to obtain data on how financing disbursement. The type of this research is field research which is case study by using descriptive qualitative approach and the process of conclusion of research result with inductive way of thinking, the method used is qualitative method that is research strategy which more use and collect information deeply to phenomenon investigated. This analysis is done by reviewing and examining deeply to the data obtained, so that obtained conclusions that can be accounted for in scientific studies. Based on the results of research in the field of financing disbursement is done in accordance with the existing prosuder is based on the rules and provisions that have been set by the Bank that every customer who comes to the bank to ask for financing must meet all the requirements of the Bank.Keywords: Distribution, Financing, Weak Economic

2018 ◽  
Vol 34 (2) ◽  
pp. 321-331
Author(s):  
Rina Hermawati ◽  
Oekan S Abdoellah ◽  
Budhi Gunawan ◽  
Selly Riawanti ◽  
Nunung Runiawati ◽  
...  

This research depicts the dynamics of street vendors’ resistance to the city government’s policy. The research applied qualitative approach with research strategy of case study. The research result showed that street vendors’ strategies in dealing with the city government were devised in various ways, both covert and open ones. Covert resistance tended to be put up when street vendors were already in a weak position. However, when street vendors were in a firm position, they tended to choose open resistance. The theme of resistance was adjusted to the situation and policies imposed by the government. When eviction was carried out, street vendors’ resistance was focused on the effort to ask for space for trading. When relocation was carried out, street vendors’ resistance was put up to obtain strategic locations and empowerment programs. When the zoning system was applied, street vendors attempted to intervene in the criterion of green, yellow, and red zones.


2021 ◽  
Vol 4 (2) ◽  
Author(s):  
Moch. Zainuddin ◽  
Addinin Nasikhah

The culture of organization is a system of values and belief which is shared by The member of organization. It makes differences among the organization to other organizations. The culture of organization is also a distinguishing identity between one organization and another. In addition, Culture of organization also has an important role in employee performance. From this understanding, researchers are interested in discussing the organizational culture in LAZNAS Nurul Hayat Kediri and how the role of organizational culture in employee performance at LAZNAS Nurul Hayat Kediri. Since 2014 LAZNAS Nurul Hayat Kediri has experienced an increase in company performance, which includes increasing muzakki, and other awards. This certainly cannot be separated from the organizational culture applied to LAZNAS Nurul Hayat Kediri which adheres to a strong organizational culture. The research, entitled the role of organizational culture in improving the performance of the case study employees at LAZNAS Nurul Hayat Kediri uses a qualitative approach with the aim of obtaining a clear and objective picture. This study uses several methods in the data collection process including: observation, interviews, documentation. While the type of research used is field research, which is research that focuses on the results of data collection from predetermined informants. The results of this study indicate that the organizational culture applied to LAZNAS Nurul Hayat Kediri is more concerned with how to achieve the goals of the institution and also to realize the motto of the institution. The organizational culture applied in LAZNAS Nurul Hayat is a strong organizational culture, it will have an impact on the sincerity of employees in doing their duties and developing the institution. By implementing this strong organizational culture, employee performance will increase. This increase can be seen from the increase in the number of muzakki from 2016 to 2019, as well as other awards received by LAZNAS Nurul Hayat. With the increase in muzakki and also several awards, it shows that organizational culture has an important role in improving employee performance at LAZNAS Nurul Hayat Kediri.Keywords: Organizational culture, Employee performance.


2017 ◽  
Vol 2 (4) ◽  
pp. 329-346
Author(s):  
Iyam Marhamah ◽  
Yaya Yaya ◽  
Asep Sodiqin

Tulisan ini bertujuan untuk menggambarkan sistem dakwah Pondok Pesantren At-Tawazun ditinjau melalui sistem terbuka mulai dari tahap input, conversion, output, feedback, hingga environment dalam upaya mengatasi problematika santri yang dipengaruhi oleh perkembangan zaman. Penelitian yang dilakukan ini menggunakan metode studi kasus dengan pendekatan kualitatif dan spesifikasi penelitian field research (penelitian lapangan). Hasil penelitian ini menunjukkan bahwa keberadaan pondok pesantren At-Tawazun dirasakan cukup besar manfaatnya oleh orang tua maupun masyarakat. Lembaga dakwah dan pendidikan ini telah ikut berkontribusi dalam menanggulangi masalah sosial dan kenakalan remaja yang semakin rumit, sehingga mampu memberikan lulusan santri yang brakhlak, berbudi luhur dan mampu mengamalkan ilmunya di masyarakat. Lebih dari itu, kehadiran pondok pesantren At-Tawazun diharapkan dapat mengatasi akulturasi budaya yang menyimpang di era sekarang ini. Sehingga semangat generasi muda kita dapat disalurkan terhadak hal-hal positif, untuk kemajuan Agama dan Negara. This paper aims to describe the da’wah system of At-Tawazun Islamic Boarding School through an open system starting from the input, conversion, output, feedback, and environment stages in an effort to overcome the problems of santri that are influenced by the times. This research uses case study method with qualitative approach and field research specification (field research). The results of this study indicate that the existence of the At-Tawazun Islamic Boarding Scool was felt to be of considerable benefit by parent and community. This da’wah and education institution has contributed to tackling social problems and juvenile delinquency that are increasingly complicated, so as to be able to provide graduates who are morally, virtous and able to practice their knowledge in the community, moreover, the presence of the At-Tawazun Islamic Boarding School is expected to overcome the deviant cultural acculturation in the present era. So that the spirit of our young generation can be channeled suddenly to positive things, for the advancement of Religion and the state.


2019 ◽  
Vol 4 (1) ◽  
pp. 137
Author(s):  
Mulkan Syah Riza

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.


2019 ◽  
Vol 14 (01) ◽  
pp. 49-62
Author(s):  
Tamrin Fatoni

Developing powerful communications technology has created unlimited free communication. The negative impact of this phenomenon is when a culture that is not good from the outside is swallowed out by children who are still young. As a result, it will easily experience cultural dislocation. One of the legacies of local wisdom that are not interested in the midst of the community is the Javanese dolanan song. Therefore all efforts must be sought from the very beginning. These efforts can be done through various ways, including habituation of children to play and sing songs (songs) dolanan Javanese, which actually contains a lot of character values. This study included a descriptive study, a case study at PAS Munqidzatun Nasyi'ah Wilangan Islamic Kindergarten. This study aims to describe; 1. Describe the form of character education in PAS Munqidzatun Nasyi'ah Wilangan Islamic Kindergarten. 2. Describe the strategy for implementing character education in PAS Munqidzatun Nasyi'ah Wilangan Islamic Kindergarten. 3. Describe the results of character education in PAS Munqidzatun Nasyi'ah Wilangan Islamic Kindergarten. This research includes field research using a qualitative approach. In collecting data, the author uses the method of interviews, observation, and documentation as a data collection technique. The technique chosen in data analysis is data reduction, data display and conclusions or verification. From this study it can be seen that: 1. the form of character education in PAS Islamic Kindergarten Munqidzatun Nasyi'ah Wilangan is a local widom-based character education (local wisdom) in the form of Javanese dolanan songs. There are three dolanan songs used for character planting, namely Sluku-sluku Bathok, gundul-gundul Pachol and Menthok-menthok. 2. The strategy for the implementation of character education in PAS Islamic Kindergarten Munqidzatun Nasyi'ah Wilangan is to use reflective methods. This can be proven by giving an explanation of moral values ​​to students, after the song is finished the song is sung both in class before the core lesson begins or while playing outside the classroom. 3. The results of character education at PAS Islam Munqidzatun Nasyi'ah Wilangan Kindergarten have fulfilled the values ​​of the basic characters, namely: a. Respectful and polite character through greeting each other and shaking hands. b. This character of independence and responsibility can be seen from throwing garbage in its place.


WADIAH ◽  
2018 ◽  
Vol 2 (2) ◽  
Author(s):  
Nurid Fadhilatul B. M., Nurul Hanani, Sri Dwi Estiningrum

Management of Sharia finance company is based on good corporate governance principle. It’s principle applied to manage company operational and kept sharia finance company among the bankings competition. Its company activities has many risks indeed. Since company as funding and financing party, so its confront the vital risk. Because of that, its has good risk management needed. Moreover, in the risk of financing. The risk management on the sharia finance company based on the sharia banking’s regulation. Its regulation include of Good Corporate Governance principle and Risk Management principle. For having to know this application is research carefully on the sharia finance company of BPRS Lantabur Tebuireng. This research makes use of qualitative approach with collecting data methods are observation, interview and documentation. Analysis process in this research are data reduction, description, makes conclusion and the last is data’s validity checking. The research result shows that application of good corporate governance (GCG principle) in the risk management of BPRS Lantabur Tebuireng’s financing are good. Amount four aspect of Good Corporate Governance (GCG) principle were good application are transparency, accountability, responsibility, and fairness. Meanwhile, one aspect of Good Corporate Governance (GCG) principle were bad application (not effective) is independency. Its independency aspect on the financing’s decision making is not effective yet. By the result of that, BPRS Lantabur Tebuireng needs good management process to cover financing analysis from customers financing propose. Key words: Good Corporate Governance (GCG), Risk Management, BPRS Lantabur Tebuireng 


Author(s):  
Mufidah Ch

<div class="WordSection1"><p>Pesantren is Islamic education base and the oldest Islamic tradition inheritance in Indonesia. As an alternative education institution which is known as opened publicly, that not all people can access this institution because of cultural and psychological obstacles for people who has special needs. While in the fact, people’ intention is getting higher towards this Institution. This research aims to describe people’s pesantren as the base of collaborative-cultural movement between common people (abangan) and santri in order to change black-world tradition into people-based santri tradition. Through field research or case study using social definition paradigm-qualitative method, observation data collecting technique, interview and documentation, this research reveals that pesantren al Amin is a collaborative cultural realm which is very effective in making common people and santri from poor-marginal area into people-based performance of santri, local wisdom–based with multy strategic- approach of empowerment as sunan Kalijaga’s preaching model in spreading Islam in Java island. Pesantren merupakan basis pendidikan Islam dan pewaris tradisi keislaman tertua di Indonesia. Sebagai lembaga pendidikan alternatif yang dikenal terbuka, namun tidak semua masyarakat bisa mengakses pesantren yang disebabkan hambatan kultural dan psikologis bagi kelompok masyarakat yang berkebutuhan khusus. Sementara animo masyarakat terhadap pesantren sangat tinggi. Penelitian ini bertujuan mendiskripsikan pesantren rakyat sebagai basis gerakan kultural kolaboratif antara kaum abangan dengan kaum santri pinggiran, sehingga dapat</p></div> <p>mengubah tradisi dunia hitam (maksiat) menjadi tradisi santri ala kerakyatan. Melalui penelitian lapangan dengan metode kualitatif berparadigma definisi sosial, menggunakan metode pengumpulan data melalui observasi, wawancara dan dokumentasi, hasil yang diperoleh adalah bahwa Pesantren Rakyat al-Amin merupakan medan budaya kolaboratif yang cukup efektif dalam menyantrikan kaum abangan dan santri pinggiran-miskin ala kerakyatan, berbasis kearifan lokal dengan pendekatan pemberdayaan  multi strategic, sebagaimana model dakwah Sunan Kalijaga ketika menyebarkan Islam di Tanah Jawa.</p> <p> </p> <p> </p>


2020 ◽  
Vol 6 (2) ◽  
pp. 254
Author(s):  
Mohammad Razan Mahrani ◽  
Muhammad Nafik Hadi Ryandono

This study aims to determine the application of sharia principles contained in the investment of livestock conducted by PT Ijadgrup Rahmat Semesta in his company called Ijadfarm. The approach used is qualitative approach with case study strategy. Data collection is done by interviewing with related parties. Analytical technique that is done is source triangulation technique, pattern matching technique and descriptive qualitative analysis technique. The results of this study are the sharia principles applied by Ijadfarm in the investment of livestock in accordance with sharia principles established by DSN MUI.Keywords: Principles of Sharia Investment, Mudharabah, Sharia Husbandry, Fatwa DSN MUI


Author(s):  
Hartini - Haritani ◽  
Bedjo Sujanto ◽  
Ma’ruf Akbar

This research aims to find the strentghs of iman and taqwa program management and the implementation of obedience values towards students’ behavior alteration. This research used qualitative approach with the method of case study. Research design and information were obtained through observation, interview, and analyzing documents. The data was analyzed by comparing the field data and the supporting theories through technique and source triangulation. Research result indicated that the iman and taqwa program management was in accordance with management principles, starting from the planning, organizing, implementing, monitoring, and evaluating. The implementation of iman and taqwa program conducted by the OSIS board and there has been the habituation and internalization of obedience values in students’ daily behavior. Recommendations: first, to the principal, the weaknesses and strengths of the program should be made as the inspection in the program’s management. The weaknesses of the program were in the archiving process, findings of the program were not made as the discussion material for the official planning program. The strength in this program’s management is invoking all school elements, especially OSIS board is so good. Second, to the local government, the findings of this program should be made as the basis in arranging policy, such as facilitate a management training for the principal and the program’s supervisor and the recruitment of prospectrive principal has to have managerial capability.


Fenomena ◽  
2020 ◽  
Vol 19 (2) ◽  
pp. 99-117
Author(s):  
AR Samsul ◽  
Moh Busri

Pesantren is always be a solution for problems of the nation and state life. Since the era of independence day until today, pesantren becomes the frontline in responding of challenges and changing times. The rise hoaxes make peoples restless, because its presence makes people feel scared, fragmented, mutual hatred between each other. Pesantren as a place to learn religious sciences have a duty and responsibility to straighten and tackle the news hoax, especially the news hoaxes on behalf of Pesantren, or kiai. This study examines the boarding school strategies in tackling a hoax. This research is a field research by using descriptive qualitative approach. There are two strategies undertaken by Darul Ulum boarding Banyuanyar to combat the hoaxes. The first is emphasizing the use of social media, and the second is counter narrative through santries writing which are then can be distributed on  social media. Furthermore, the steps that have been done to overcome the hoaxes are by holding workshop by the term of hoaxes attack and establishing Banyuanyar Media Tim (BM TIM) as the solutions to overcome the hoaxes.


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