MEMBANGUN INTEGRATED TAKAFUL DAN WAKAF MODEL DALAM UPAYA MENINGKATKAN KEMANFAATAN  PEMEGANG POLIS

This study aims to build a model of sharia life insurance in Indonesia. A model that combines the functions of Takaful institutions (Sharia Insurance) with Indonesian Waqf Institutions to generate insurance benefits directly and indirectly to policyholders. The method used in this research using descriptive qualitative method with case study strategy about operational of Takaful which is compared with some literature of Al Qur'an and Hadith. The data were obtained from in-depth interview technique, book and literature as well as Hadith commentary study. The results of this study indicate that with the application of ITW model, the insurance claim of the deceased policyholder will be given to the heirs in the form of death funds, in addition to these benefits, the recipients of the policy are also indirectly get the good deeds of some of the funds invested into the waqf institutions. On the application of such a model, the owner of the life insurance policy gets worldly benefits and ukhrowi, namely the claim of death funds and the good deed of the investment of some premium funds to Waqf Institution.

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THE ALLOCATION OF TABARRU’ FUND UNDERWRITING SURPLUS OF IPLAN SHARIA PRODUCT IN PT. ASURANSI JIWA GENERALI INDONESIA

Jurnal Ekonomi Syariah Teori dan Terapan ◽

10.20473/vol7iss20209pp1804-1817 ◽

2020 ◽

Vol 7 (9) ◽

pp. 1804

Author(s):

Syarifudin Syarifudin ◽

Nurlailah Nurlailah ◽

Ana Toni Roby Candra Yudha

Keyword(s):

Research Methods ◽

Life Insurance ◽

Qualitative Method ◽

Daily Activities ◽

Fund Management ◽

Study Strategy ◽

Fund Allocation ◽

Unique Character ◽

Muslim Communities

ABSTRAKKehidupan yang semakin kompleks memungkinkan manusia dihadapkan berbagai risiko yang mengancam aktivitas keseharian bahkan jiwanya. Banyaknya masyarakat muslim di Indonesia menjadi asuransi syariah sebagai tempat yang tepat dalam memperoleh perlindungan atas risiko yang terjadi. Salah satu keberhasilan asuransi syariah dapat dilihat dengan pengelolaan dana tabarru’ yang baik sehingga dapat memenuhi ketika peserta mengajukan klaim dan dapat mengalokasikan surplus underwriting dana tabarru’ diakhir tahunnya. Sehingga tujuan dari studi ini adalah untuk menganalisis alokasi surplus underwriting dana tabarru’ pada salah satu produk asuransi syariah di PT. Asuransi Jiwa Generali Indonesia. Penelitian ini menggunakan metode kualitatif deskriptif dengan strategi studi kasus guna memberikan gambaran detail terkait latar belakang, sifat, dan karakter unik dari alokasi surplus underwriting dana tabarru'. Hasil penelitian ini adalah diperolehnya kesesuaian pengalokasian dana tabarru’ yang diterapkan oleh PT Asuransi Jiwa Generali Indonesia dengan fatwa DSN-MUI Nomor 53/DSN-MUI/III/2006 tentang Akad Tabarru’ dengan pembagian 50% untuk cadangan dana tabarru’, 30% diperuntukan kepada perusahaan dan 20% sisanya dikembalikan lagi pada peserta. Bersesuaian dengan ulasan sebelumnya mulai dari tujuan, metode penelitian dan hasil maka saran yang relevan dengan studi adalah adanya perhatian khusus pada pembagian surplus underwriting dana tabarru’ pada peserta agar semakin banyak peserta yang tertarik menggunakan produk ini.Kata Kunci: Asuransi Syariah, Alokasi Surplus Underwriting Dana Tabarru’, Generali Indonesia ABSTRACTAn increasingly complex life allows humans to face a variety of risks that threaten daily activities and even the soul. A large number of Muslim communities in Indonesia are sharia insurance as an appropriate place in obtaining protection against the risks that occur. One of the successes of sharia insurance can be seen by tabarru' proper fund management so that it can meet when participants submit claims and can allocate tabarru' fund underwriting surpluses at the end of the year. So, the purpose of this study is to analyze the allocation of tabarru' fund underwriting surplus to one of the sharia insurance products at PT. Generali Indonesia Life Insurance. This study used a descriptive qualitative method with a case study strategy to provide a detailed description of the background MUI / III / 2006, nature, and unique character of the tabarru' fund underwriting surplus allocation. The results of this study have obtained the suitability of the tabarru' fund allocation which was implemented by PT Asuransi Jiwa Generali Indonesia with DSN-MUI fatwa number 53/ DSN- concerning Tabarru' Agreement with a 50% distribution for tabarru' fund reserves, 30% was allocated to the company, and the remaining 20% is returned to the participants. Following previous reviews starting from the objectives, the research methods, and the results, the suggestion that is relevant to the study is that there is special attention to the distribution of tabarru' fund underwriting surplus to participants so that more participants are interested in using this product.Keywords: Sharia Insurance, Tabarru' Fund Underwriting Surplus Allocation, Generali Indonesia

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Analisis Penyebab Kerugian Pada PT Sumber Alfaria Trijaya Tbk Cabang Manado

JURNAL RISET AKUNTANSI DAN AUDITING "GOODWILL" ◽

10.35800/jjs.v10i2.24874 ◽

2019 ◽

Vol 10 (2) ◽

pp. 14

Author(s):

Siti Asmianti ◽

Grace Nangoi ◽

Jessy Warongan

Keyword(s):

Internal Control ◽

Qualitative Method ◽

Narrative Form ◽

Case Study Approach ◽

Purposive Sampling ◽

Study Approach ◽

Interview Technique ◽

Depth Interview ◽

Improve Compliance

Abstract. This study aims to analyze the causes of losses at PT Sumber Alfaria Trijaya Tbk Branch Manado. This study was using qualitative method with case study approach. Data were obtained through in-depth interview technique, documentation study and observation. Key informants were determined by using purposive sampling that they meet the criteria set out to obtain accurate and precise information. Triangulation techniques were used to test the validity of data and data sources. The transcript data described from the interview results were analyzed using analytical methods consisting of the giving of themes/coding, conceptualizing scientific statements and interpreting them in a narrative form. The result of this research shows that there were 6 (six) causes of losses at PT Sumber Alfaria Trijaya Tbk Branch Manado, there were expansion, age of the company, fraud, insufficient internal control, human resource competency, and business competition among industries. The efforts made are reward and punishment strategies, improvement of human resources, and increasing sales by increasing franchise stores. Recommendations are to improve compliance, attitudes and responsibilities of employees for the work given to them, to improve the commitment of leaders to be more assertive and to improve supervision and internal control in order to enhance employee integrity to reduce the potential of fraud.Keywords: Retail, Compliance, Internal Control, FraudAbstrak. Penelitian ini bertujuan untuk menganalisis penyebab kerugian pada PT Sumber Alfaria Trijaya Tbk Cabang Manado. Penelitian ini adalah penelitian kualitatif dengan pendekatan studi kasus. Data diperoleh melalui teknik wawancara mendalam, observasi dan studi dokumentasi. Informan kunci ditetapkan secara purposive sampling dengan syarat memenuhi kriteria yang ditetapkan untuk mendapatkan informasi yang tepat dan akurat. Teknik triangulasi digunakan untuk menguji validitas data dan sumber data. Data transkrip yang diuraikan dari hasil wawancara dianalisis menggunakan metode analisis yang terdiri dari pemberian tema/coding, konseptualisasi pernyataan ilmiah dan menginterpretasikannya dalam bentuk narasi. Hasil penelitian menunjukkan bahwa terdapat 6 (enam) penyebab kerugian pada PT Sumber Alfaria Trijaya Tbk Cabang Manado, yaitu ekspansi, umur perusahaan, adanya fraud, pengendalian internal yang kurang memadai, kompetensi sumber daya manusia, serta persaingan usaha sesama industri. Upaya yang dilakukan yaitu adanya strategi reward dan punishment, perbaikan sumber daya manusia, serta meningkatkan penjualan dengan memperbanyak toko franchise. Saran yang diberikan adalah perlu adanya perbaikan dalam hal kepatuhan, sikap dan tanggung jawab karyawan terhadap pekerjaan yang diberikan, perlu memperbaiki komitmen pimpinan agar lebih tegas dan meningkatkan pengawasan serta pengendalian internal yang lebih terkontrol dalam hal meningkatkan integritas karyawan untuk mengurangi adanya potensi fraud.Kata Kunci: Ritel, Kepatuhan, Pengendalian Internal, Fraud.

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Analisis Penyebab Kerugian Pada PT Sumber Alfaria Trijaya Tbk Cabang Manado

JURNAL RISET AKUNTANSI DAN AUDITING "GOODWILL" ◽

10.35800/jjs.v10i1.26473 ◽

2019 ◽

Vol 10 (1) ◽

Author(s):

Siti Asmianti ◽

Grace Nangoi ◽

Jessy Warongan

Keyword(s):

Internal Control ◽

Qualitative Method ◽

Narrative Form ◽

Case Study Approach ◽

Purposive Sampling ◽

Study Approach ◽

Interview Technique ◽

Depth Interview ◽

Improve Compliance

Abstract. This study aims to analyze the causes of losses at PT Sumber Alfaria Trijaya Tbk Branch Manado. This study was using qualitative method with case study approach. Data were obtained through in-depth interview technique, documentation study and observation. Key informants were determined by using purposive sampling that they meet the criteria set out to obtain accurate and precise information. Triangulation techniques were used to test the validity of data and data sources. The transcript data described from the interview results were analyzed using analytical methods consisting of the giving of themes/coding, conceptualizing scientific statements and interpreting them in a narrative form. The result of this research shows that there were 6 (six) causes of losses at PT Sumber Alfaria Trijaya Tbk Branch Manado, there were expansion, age of the company, fraud, insufficient internal control, human resource competency, and business competition among industries. The efforts made are reward and punishment strategies, improvement of human resources, and increasing sales by increasing franchise stores. Recommendations are to improve compliance, attitudes and responsibilities of employees for the work given to them, to improve the commitment of leaders to be more assertive and to improve supervision and internal control in order to enhance employee integrity to reduce the potential of fraud.Keywords: Retail, Compliance, Internal Control, FraudAbstrak. Penelitian ini bertujuan untuk menganalisis penyebab kerugian pada PT Sumber Alfaria Trijaya Tbk Cabang Manado. Penelitian ini adalah penelitian kualitatif dengan pendekatan studi kasus. Data diperoleh melalui teknik wawancara mendalam, observasi dan studi dokumentasi. Informan kunci ditetapkan secara purposive sampling dengan syarat memenuhi kriteria yang ditetapkan untuk mendapatkan informasi yang tepat dan akurat. Teknik triangulasi digunakan untuk menguji validitas data dan sumber data. Data transkrip yang diuraikan dari hasil wawancara dianalisis menggunakan metode analisis yang terdiri dari pemberian tema/coding, konseptualisasi pernyataan ilmiah dan menginterpretasikannya dalam bentuk narasi. Hasil penelitian menunjukkan bahwa terdapat 6 (enam) penyebab kerugian pada PT Sumber Alfaria Trijaya Tbk Cabang Manado, yaitu ekspansi, umur perusahaan, adanya fraud, pengendalian internal yang kurang memadai, kompetensi sumber daya manusia, serta persaingan usaha sesama industri. Upaya yang dilakukan yaitu adanya strategi reward dan punishment, perbaikan sumber daya manusia, serta meningkatkan penjualan dengan memperbanyak toko franchise. Saran yang diberikan adalah perlu adanya perbaikan dalam hal kepatuhan, sikap dan tanggung jawab karyawan terhadap pekerjaan yang diberikan, perlu memperbaiki komitmen pimpinan agar lebih tegas dan meningkatkan pengawasan serta pengendalian internal yang lebih terkontrol dalam hal meningkatkan integritas karyawan untuk mengurangi adanya potensi fraud.Kata Kunci: Ritel, Kepatuhan, Pengendalian Internal, Fraud.

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IMPLEMENTASI NILAI-NILAI LUHUR AJARAN KI HAJAR DEWANTARA DALAM PERKULIAHAN PENDIDIKAN PANCASILA UNTUK MENGEMBANGKAN KARAKTER MAHASISWA

PKn Progresif: Jurnal Pemikiran dan Penelitian Kewarganegaraan ◽

10.20961/pknp.v13i1.22448 ◽

2018 ◽

Vol 13 (1) ◽

pp. 1

Author(s):

Ronggo Warsito ◽

Sahid Teguh Widodo

Keyword(s):

Content Analysis ◽

Data Collection ◽

Qualitative Method ◽

External Factors ◽

Study Strategy ◽

Interactive Model ◽

Depth Interview ◽

Embedded Case Study

This research aims are 1) to describe the implementation of the noble values of Ki Hajar Dewantara’s teaching to develop students' character, 2) to know the problems implementation of the noble values of Ki Hajar Dewantara’s teaching to develop students' character, and 3) find the strategy was implemented of the noble values of Ki Hajar Dewantara’s teaching to develop students' character. It used decriptive qualitative method with the single embedded case study strategy. The method data collection through in-depth interview, observation, documentation, and content analysis. Triangulation technique was used to check the validity. They were analyzed by using the interactive model. Conclusion: 1) the implementation of the noble values of Ki Hajar Dewantara’s teaching very important to develop the students’ character, 2) the problems implementation of the noble values of Ki Hajar Dewantara’s teaching from internal dan external factors, and 3) the strategy was implemented of the noble values of Ki Hajar Dewantara’s teaching to develop students' character with trilogi kepemimpinan.

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IDENTIFIKASI PENYEBAB TIDAK OPTIMALNYA PENANGANAN PEMBIAYAAN BERMASALAH DI KSPS BMT ABC CABANG PEMBANTU KLM-SURABAYA

Jurnal Ekonomi Syariah Teori dan Terapan ◽

10.20473/vol6iss20195pp913-927 ◽

2020 ◽

Vol 6 (5) ◽

pp. 913

Author(s):

Martha Dyah Puspita ◽

Dian Filianti

Keyword(s):

Financial Services ◽

Qualitative Method ◽

Financial Institution ◽

Study Strategy ◽

Exploratory Case Study ◽

Standard Operating ◽

Two Factors ◽

Research Interview ◽

The Impact

Sharia Financial Services Cooperative (KJKS) is a form of cooperative whose business activities are engaged in financing, investment, and deposits in accordance sharia principles. in relation to financial services in the form of such financing, in this case the Sharia Financial Services Cooperative (KJKS) will be faced with several risks, among others, is the risk of default on financing channeled and the existence of fraud action (fraud) committedby the management of the financial institution. The object of this research is KSPS BMT ABC Branch KLM-Surabaya.on the object of the study found that the total gross NPF until December 2016 reached 81.84%, in addition to the impact of high levels of Gross NPF is a loss to be borne until December 2016 amounted to Rp 354.715.664. Based on the results of pre-research interview with Mr. Muhammad stated that the cause of the loss due to there are two factors namely the existence of fraud (misconduct) in the form of misuse of funds by former employees and handling financing problems that can be optimally 30% of total troubled financing. The purpose of this study is to determine the cause of the non-optimal handling of troubled financing. Things that need to be reviewed in the process of handling pembiyaan problem is based on the phenomenon that occurs in the object of research. This research uses qualitative method with exploratory case study strategy. The results of research conducted by the researchers found that KSPS BMT ABC Branch KLM-Surabaya Assistant has a concept of mixing handling of non-performing financing based on standard operating procedures with the handling of troubled financing based on kinship.Keywords: Troubled Financing, Troubled Financing Handling, Fraud

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Local Knowledge “Makiriwo” in The Sustainable Livelihood Perspective (Case of Apulea Coconut Farm Community in North Halmahera Regency, Indonesia)

Sodality Jurnal Sosiologi Pedesaan ◽

10.22500/sodality.v6i3.25455 ◽

2019 ◽

Vol 6 (3) ◽

Author(s):

Yosafat Kotalaha ◽

Gatot Sasongko

Keyword(s):

Social Capital ◽

Qualitative Method ◽

Physical Capital ◽

Border Region ◽

Sustainable Livelihood ◽

Study Approach ◽

Depth Interview ◽

Farm Community ◽

The Village

This study aims to describe a portrait of Apulea community in North Halmahera District which is located in the border region between Indonesia-Philippines and North Halmahera-West Halmahera District. This study uses a qualitative method with a case study approach that specifically describes a survival strategy for the sustainability of the livelihoods of coconut farmers in the village of Apulea in North Halmahera Regency, Indonesia. Retrieval of research data using in-depth interview techniques, document observation and study. The informants involved in this study were selected selectively based on livelihoods and experience using social capital and cultural capital as a strategy to achieve livelihood sustainability. The results of this study indicate that local knowlidge makiriwo is embodied in natural resource capital and social capital that is used to sustain life amid barriers to acces to financial capital, physical capital and human capital.

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Faktor Individual dan Struktural pada Kepuasan Kerja Bidan Era Jaminan Kesehatan Nasional

HIGEIA (Journal of Public Health Research and Development) ◽

10.15294/higeia.v2i4.23915 ◽

2018 ◽

Vol 2 (4) ◽

pp. 520-530

Author(s):

Amalia Raafiah

Keyword(s):

Job Satisfaction ◽

Qualitative Research ◽

Comparative Method ◽

Individual Factors ◽

Structural Factors ◽

Interview Technique ◽

Depth Interview ◽

Constant Comparative Method ◽

Interview Guide

Abstrak Jaminan Kesehatan Nasional telah berjalan kurang lebih empat tahun, namun Praktik Mandiri Bidan yang bekerjasama dengan BPJS Kesehatan di Kota Semarang mengalami penurunan, pada tahun 2017 sebanyak 95 PMB dan menurun menjadi 85 PMB di tahun 2018. Tujuan penelitian ini adalah untuk mengetahui faktor individual dan struktural pada kepuasan kerja bidan era Jaminan Kesehatan Nasional. Penelitian ini dilaksanakan pada bulan Mei s.d. Juli tahun 2018 di Kecamatan Ngaliyan, Kota Semarang, jenis penelitian ini adalah deskriptif kualitatif dengan pendekatan studi kasus dan teknik pengambilan data menggunakan teknik wawancara mendalam. Informan dalam penelitian ini berjumlah 7 orang dengan 4 orang informan utama dan 3 orang informan triangulasi. Instrumen yang digunakan diantaranya panduan wawancara mendalam, alat perekam dan buku catatan. Data dianalisis menggunakan metode perbandingan tetap. Hasil menunjukkan bahwa faktor individual pada kepuasan kerja bidan adalah nature of work, pencapaian nilai dan motivasi, sedangkan faktor struktural pada kepuasan kerja bidan adalah supervisi, rekan kerja, komunikasi dan keadilan. Simpulan penelitian ini adalah tingkat kepuasan kerja bidan cukup puas pada era JKN. Abstract Jaminan Kesehatan Nasional has been running for at least four years, but Independent Practices Midwife who collaboration with BPJS Kesehatan in Semarang City has declined, from 95 IPM in 2017 to 85 IPM in 2018. The objective of this research was to figure out individual and structural factors of Midwife’s job satisfaction in Jaminan Kesehatan Nasional era. This research was occurred on May until July 2018 in Ngaliyan Sub-district, Semarang City, this research was a case study with descriptive qualitative research using in-depth interview technique. Informants in this study amounted to 7 people with 4 main informants and 3 triangulation informants. The instrument used was an in-depth interview guide, a tape recorder and a notebook. Data were analyzed with constant comparative method. Result showed that individual factors of midwife’s job satisfaction were nature of work, value attainment and motivation, and structural factors of midwife’s job satisfaction were supervision, co-worker, communication and equity. Conclusion of this research was a phase of midwifes’s job satisfaction were enough in JKN era.

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FIGURASI DALAM KELOMPOK TRAVELER

Jurnal Analisa Sosiologi ◽

10.20961/jas.v9i0.39817 ◽

2020 ◽

Vol 9 ◽

Author(s):

Nurina Adi Paramitha

Keyword(s):

Social Media ◽

Qualitative Method ◽

Daily Life ◽

Sampling Techniques ◽

Modern Life ◽

Human Identity ◽

Study Strategy ◽

Purposive Sampling ◽

Unique Individual

Modernization makes citizen more distant from nature. Modern life makes people more individualistic, especially the youth. When they have free time or holiday, the youth citizen choose to travel to nature. Although in the daily life they are living individually, but most of them traveling in groups. As Elias stated that human identity as a unique individual only exists in and through networks or figuration. This study aims to analyze figuration in traveler group which travel to nature. This study was conducted in April - May 2017. This study uses qualitative method with a case study strategy. Data were collected through observation, documentation, interviews through social media, and the distribution of open questionnaires to informants. The informants are youth citizen selected through purposive sampling techniques. The data validated by source triangulation and data analyzed by interactive model. The results showed that youth citizen prefer to travel in groups, some of them even follow the traveler community. Traveling in groups has many advantages than solo traveling. The figuration in traveler group only occurs when the traveler goes on a trip. The traveler group is a figuration in which there is an interdependence relationship between one traveler and another traveler. Keywords:Figuration, Group, Youth, Traveler.<h2> </h2>AbstrakModernisasi membuat penduduk kota semakin jauh dari alam. Kehidupan modern membuat banyak orang semakin individualis, terutama para pemuda. Ketika luang atau libur, banyak pemuda kota yang memilih berlibur ke alam terbuka. Meski dalam keseharian para pemuda tersebut hidup individualis, namun mayoritas pemuda melakukan traveling secara berkelompok. Seperti yang dinyatakan Elias bahwa identitas manusia sebagai individu yang unik hanya ada di dalam dan melalui jaringan atau figurasi. Penelitian ini bertujuan untuk menganalisis figurasi dalam kelompok traveler yang melakukan perjalanan ke alam terbuka. Penelitian dilaksanakan pada bulan April - Mei 2017. Metode penelitian yang digunakan adalah metode kualitatif dengan strategi studi kasus. Data dikumpulkan melalui observasi, dokumentasi, wawancara melalui media sosial, dan pembagian angket terbuka kepada informan. Informan merupakan para pemuda kota yang dikumpulkan melalui teknik purposive sampling. Validitas data menggunakan triangulasi sumber dan analisis data menggunakan model interaktif. Hasil penelitian menunjukkan bahwa pemuda lebih senang melakukan traveling secara berkelompok, bahkan ada yang mengikuti komunitas traveler. Traveling berkelompok memiliki banyak keunggulan daripada solo traveling. Figurasi kelompok traveler hanya terjadi ketika para traveler melakukan sebuah perjalanan. Kelompok traveler merupakan suatu figurasi yang di dalamnya terdapat hubungan saling ketergantungan antara traveler yang satu dengan traveler lainnya. Kata kunci : Figurasi, Kelompok, Pemuda, Traveler

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PRINCIPAL’S ORGANIZATIONAL MANAGEMENT AND THE IMPLEMENTATION OF ISLAMIC VALUE: A CASE STUDY IN SMP AL-AZHAR MANDIRI PALU

HUNAFA Jurnal Studia Islamika ◽

10.24239/jsi.v17i1.587.56-71 ◽

2020 ◽

Vol 17 (1) ◽

pp. 56-71

Author(s):

Mohamad Syafri M.Pd.

Keyword(s):

Interpersonal Communication ◽

Communication Technology ◽

Junior High School ◽

Private School ◽

Qualitative Method ◽

Organizational Management ◽

Depth Interview ◽

Using Data

The purpose of the study is to picture the role of school principal’s organizational management in implementing organizational communication and reward done in Al-Azhar Mandiri Palu Junior High School. The research also enpicture how school’s management could lead to beneficial effect, including the implementation of Islamic value. The method used in this research is qualitative method with in-depth interview, documentation, and observation as the instruments. The research was analyzed using data reduction, presentation, and verification. (1) The research showed that interpersonal communication is the main pilar in building the communication, those are supported with the use of communication technology and social networking efficiently and effectively. (2) The reward given to members of Al-Azhar Mandiri Palu are in form of intrinsic and extrinsic. (3) Despite the school’s status as a non-Islamic private school, but the school able to implement the Islamic value both for school’s members and activities. It also lead to some achievement in Islamic field.

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