scholarly journals Studi Kasus Penanganan Pembiayaan Bermasalah di Baitul Maal wa Tamwil (BMT) Hubbul Wathon pada Masa Pandemi Covid-19

2021 ◽  
Vol 7 (1) ◽  
pp. 333
Author(s):  
Winda Hidayanti ◽  
Hesty Juan Kirana ◽  
Anisya May Yustitia ◽  
Harnum Widyaningrum ◽  
Tulasmi Tulasmi ◽  
...  
Keyword(s):  
Economic Crisis ◽  
Financial Institutions ◽  
Research Method ◽  
Financial Institution ◽  
Qualitative Approach ◽  
Interview Techniques ◽  
Made In ◽  
Descriptive Qualitative

The research is a Case Study of Troubled Financing Handling at BMT Hubbul Wathon in the Covid-19 Pandemic. The research method uses a descriptive qualitative approach. In collecting data, researchers used interview techniques with BMT about policies to deal with the economic crisis during the Covid-19 Pandemic. BMT Hubbul Wathon Sumowono is one of the non-bank syari'ah financial institutions that issues a lot of financing products, such as Mudharabah, Musyarakah, Murabahah, and Ijarah financing. In providing financing to customers, an agreement is made in the BMT institution, in which there are several provisions that must be agreed upon by both parties. During the Covid-19 Pandemic, BMT Hubbul Wathon experienced a decrease in both savings, financing and installments. In the Covid-19 Pandemic as well, problematic financing at BMT Hubbul Wathon Sumowono increased by 5% when compared to the financing provided before the Covid-19 Pandemic. Therefore, this non-bank syari'ah financial institution issued several measures or policies including maintaining liquidity, restrictions in providing financing, and also by adding new customer members.

Pengaruh Modal Sosial Terhadap Perkembangan Pariwisata di Kepulauan Riau

2020 ◽  
Vol 3 (1) ◽  
Author(s):  
Nurul Nadjmi
Keyword(s):  
Social Capital ◽  
Qualitative Research ◽  
System Approach ◽  
Research Method ◽  
Analytic Approach ◽  
Community Groups ◽  
Study Strategy ◽  
Direct Observations ◽  
Descriptive Qualitative

Kepulauan Riau merupakan provinsi yang terdiri dari beberapa pulau diantaranya Pulau Batam, Pulau Bintan dan Pulau Karimun. Modal sosial merupakan serangkaian nilai dan norma informal yang dimiliki oleh kelompok masyarat dalam membagun kerjasamanya. Lingkup penelitian pada pembahasan ini adalah terfokus pada pengaruh modal sosial terhadap perkembangan pariwisata di Kepulauan Riau dalam hal ini Pulau Batam, Pulau Bintan, dan Pulau Karimun. Metode penelitian yang digunakan dalam penelitian ini adalah penelitian deskriptif kualitatif. Penelitian ini dikondisikan sebagai penelitian kualitatif melalui strategi studi kasus. Sistem pendekatan yang digunakan juga merupakan pendekatan deskriptif analitik. Melakukan pengamatan langsung, mengumpulkan data-data kemudian menghubungkannya dengan kajian teori yang digunakan. Lokus penelitian ini terdapat di Kepulauan Riau dengan melihat pengaruh modal sosial pada perkembangan pariwisata di ketiga pulau yaitu Pulau Batam, Pulau Bintan dan Pulau Karimun. Berdasarkan hasil survey yang saya lakukan di Kepulauan Riau, terutama pada ketiga pulau yaitu Pulau Batam, Pulau Bintan, dan Pulau Karimun, dari ketiga pulau tersebut ternyata pada Pulau Karimun perkembangan pariwisatanya tidak terlalu berkembang karena masyarakat yang tidak menerima adanya wisatawan terutama wisatawan mancanegara. Riau Islands is a province consisting of several islands including Batam Island, Bintan Island and Karimun Island. Social capital is a set of informal values ​​and norms that are owned by community groups in building cooperation. The scope of research in this discussion is focused on the influence of social capital on the development of tourism in the Riau Islands, in this case Batam Island, Bintan Island, and Karimun Island. The research method used in this research is descriptive qualitative research. This research is conditioned as qualitative research through a case study strategy. The system approach used is also a descriptive analytic approach. Make direct observations, collect data and then relate it to the study of the theories used. The locus of this research is in the Riau Islands by looking at the influence of social capital on the development of tourism in the three islands, namely Batam Island, Bintan Island and Karimun Island. Based on the results of a survey I conducted in the Riau Islands, especially on the three islands, namely Batam Island, Bintan Island, and Karimun Island, of the three islands, it turns out that on Karimun Island the development of tourism is not very developed because people do not accept tourists, especially foreign tourists.

THE USE OF ICT IN ISLAMIC EDUCATION (PAI) LEARNING AT SCHOOL: A Case Study on Integrated Islamic High School (SMA-IT) Ummul Quro Bogor

2020 ◽  
Author(s):  
Farida Hanun
Keyword(s):  
High School ◽  
Learning Process ◽  
Research Method ◽  
Qualitative Approach ◽  
Learning Systems ◽  
Government Support ◽  
Islamic Education ◽  
Inhibiting Factors ◽  
The Impact

This study aims to obtain a description related to the learning of PAI by using ICT and how the impact of the use of ICT on PAI learning systems in the classroom. The research method uses a qualitative approach in the integrated Islamic high school Ummul Quro Bogor, West Java. The results showed that a) there were four stages of using ICT in the learning process, namely; emerging, applying, integrating dan transforming. PAI teachers are already at the integrating stage. In other words, ICT has been integrated into the PAI learning curriculum. b) supporting factors for the use of ICT are the existence of ICT support facilities, the availability of qualified educators, the commitment of the school to implement ICT in every PAI learning. c) Inhibiting factors in the use of ICT are aspects of financing ICT facilities require a large budget. Some elderly teachers have difficulty using ICT in the learning process. Besides, the internet network is unstable. d) The impact of the use of ICT is very significant on PAI learning process. e) the existence of ICT devices not only as a support but already as an important component in the education system. The research led to the recommendation of the need for government support in the form of concern for ICT in terms of policies, facilities, workforce, budget, and organizing training in the use of ICT for PAI teachers to improve their professionalism. Therefore, further research is suggested regarding the effectiveness of the use of ICT in the learning process of PAI.

The Terminology Form in Ngerahinin Kuningan of the Perspective Krama Pura Pemaksan Asak Pagutan

2017 ◽  
Vol 3 (2) ◽  
pp. 21
Author(s):  
Ni Nengah Suarsini
Keyword(s):  
Research Method ◽  
Qualitative Approach ◽  
Community Leaders ◽  
Primary Data ◽  
Descriptive Qualitative

The tradition of ngarahinin Kuningan in Krama temple of Pemaksan Asak Pagutan was a unique than Krama or Banjar around villages Pakramaan of Pagutan, it had some difficulties terminologies which made the witer intrest to analyze of the term to be socialized. Issues discussed also focuses only on the activities and forms of the terms used in that tradition. The research method was the descriptive qualitative approach, the sample of this research was the writer parents-in-law, brother in-law, her nephew, community leaders and elders manners. Information is used as a source of primary data include documentation in the field. The results showed that a series of activities in the tradition ngerahinin Kuningan in Krama Pura Pemaksan Asak Pagutan before a two-day feast of Kuningan, at the time, or the feast of Kuningan, as well as the three and five days after the feast of Kuningan. In addition, the forms of the term in the tradition ngerahinin Brass at Temple Pemaksan Asak Pagutan namely: (a) Monomorfemis consists of eight words that katik, don, nyuh, lekesan, dee, terune, rejang, offerings (b) Polimorfemis be: 1) affixation consists of 15 words that ngatag, ngerejang, ngelawan mepesuan, mesolasan, ngayah, melukat, mebakti, penembek, penyuud, mekidung, megibung, ngelungsur n, ebengin, mlayagin.2) reduplication consists of five words that sambah-sambah, kul- kul, umbul-umbul, nyak-cak, megoak-goakan, 3) the composition consists of five words that were provoking the middle, saye nenem, masang umbul-umbul, masang  lamak, and ngelungsur Amertha.

Manajemen Humas Radio Rama 104.7FM Bandung dalam Meningkatkan Pemasang Iklan

2020 ◽  
Vol 2 (3) ◽  
pp. 301-320
Author(s):  
Muhamad Sidik Triadi ◽  
Irfan Sanusi ◽  
Lida Imelda Cholidah
Keyword(s):  
Public Relations ◽  
Research Method ◽  
Fourth Stage ◽  
Case Study Method ◽  
Second Stage ◽  
The Third ◽  
Third Stage ◽  
Program Innovation ◽  
Descriptive Qualitative

ABSTRAK Penulisan ini bertujuan untuk mengetahui manajemen humas radio Rama FM Bandung dalam meningkatkan pemasang iklan dari mulai tahapan perencanaan, pengorganisasian, pelaksanaan sampai dengan pengawasan, metode penelitian ini menggunakan metode kualitatif untuk mengetahui karakteristik  dengan cara berinteraksi secara langsung dan mendalam mengenai sebuah program dan ringkasan yang digambarkan pada konteks di atas mendasari untuk menggali dan mendeskripsikan kegiatan-kegiatan yang dijalankan oleh radio Rama FM Bandung dalam meningkatkan pemasang iklan. Analisis penelitian ini menggunakan deskriptif kualittaif. Hasil penelitian menunjukan bahwa kegiatan manajemen humas radio Rama FM Bandung dalam meningkatkan pemasang iklan dimulai pada tahapan pertama yaitu perencanaan pembuatan proposal, inovasi program, pengemasan iklan dan penyampaian iklan. Tahapan kedua yaitu pengorganisasian dengan komunikasi, membentuk team, pertimbangan tugas, dan persetujuan dari pimpinan. Tahapan ketiga yaitu pelaksanaan sesuai tugas, presentasi, pelaksanaan tugas sesuai susunan, pelaksanaan kegiatan. Tahap keempat yaitu pengawasan koordinasi, kinerja team yang bertugas, program yang berlangsung, dan pengawasan proses sebagai bahan evaluasi. Kata Kunci : Manajemen Humas; Meningkatkan; Pemasang Iklan. ABSTRACT This writing aims to determine radio public relations management Rama FM Bandung in increasing advertisers from the stages of planning, organizing, implementation to supervision, this research method uses a case study method to determine the characteristics by interacting directly and deeply about a case and summary illustrated in the above context underlying to explore and describe the activities carried out by radio Rama FM Bandung in improving advertisers. The analysis of this study uses descriptive qualitative. The results showed that the radio public relations management activities of Rama FM Bandung in increasing advertisers began in the first stage, namely the planning of making proposals, program innovation, packaging of advertisements and delivery of advertisements. The second stage is organizing with communication, forming teams, considering assignments, and approval from the leadership. The third stage is the implementation of tasks, presentations, implementation of tasks according to the arrangement, implementation of activities. The fourth stage is monitoring coordination, the performance of the team in charge, the ongoing program, and monitoring the process as an evaluation material. Keywords : Management Public Relations; Improve; Advertiser.

scholarly journals Persepsi Pengunjung Terhadap Kenyamanan Sarana Duduk Taman Buah Lubuk Pakam

2020 ◽  
Vol 3 (1) ◽  
Author(s):  
Novrial ◽  
Nadya Raudina
Keyword(s):  
Research Method ◽  
Design Criteria ◽  
Research Subjects ◽  
Validation Test ◽  
Descriptive Qualitative

Penelitian ini dilatarbelakangi oleh semakin beragamnya aktivitas yang dapat dilakukan saat berada di taman. Keberagaman aktivitas inilah yang kemudian menimbulkan kecenderungan pengunjung dalam memilih desain dan tata letak sarana duduk yang nyaman guna mendukung aktivitas selama berada di taman. Penelitian ini bertujuan untuk mengetahui faktor-faktor dan dampak-dampak apa saja yang dirasakan pengunjung terkait kenyamanan pada sarana duduk taman  secara umum dan mengetahui apa saja kebutuhan pengunjung terkait sarana duduk taman. Subjek penelitian adalah pengunjung taman tanpa ada batasan-batasan usia ataupun kategorisasi lain. Metode penelitian yang digunakan adalah deskriptif kualitatif, yaitu dengan melakukan observasi dan pengamatan secara langsung dan mendalam terhadap taman yang dijadikan studi kasus pada penelitian ini. Data yang didapatkan kemudian diolah dan dianalisis. Hasil analisis kemudian dilakukan uji validasi akhir pada penelitian untuk memastikan kecocokan hasil observasi dan pengamatan dengan uji validasi yang telah dilakukan. Hasil penelitian berupa kriteria desain dan tata letak sarana duduk yang baik dan nyaman bagi pengunjung taman. This research is motivated by the increasing variety of activities that can be done while in the park. The diversity of activities is what then raises the tendency of visitors to choose the design and layout of comfortable seating to support activities while in the park. This study aims to determine the factors and impacts that are felt by visitors related to the comfort of the park seating facilities in general and find out what visitors need related to park seating facilities. Research subjects were park visitors without age restrictions or other categorizations. The research method used is descriptive qualitative, namely by making observations and direct and in-depth observations of the park used as a case study in this study. The data obtained is then processed and analyzed. The results of the analysis are then carried out the final validation test in the study to ensure compatibility of observations and observations with the validation test that has been done. The results of the study were in the form of design criteria and good and comfortable seating facilities for park visitors.

scholarly journals INTERNALISASI NILAI-NILAI MULTIKULTURAL DALAM PROSES PEMBELAJARAN PAI DI SMA DARUT TAQWA, PASURUAN

AL MURABBI ◽  
2019 ◽  
Vol 5 (1) ◽  
pp. 103-120
Author(s):  
Makhfud Syawaludin
Keyword(s):  
High School ◽  
Data Collection ◽  
Learning Process ◽  
Qualitative Approach ◽  
Senior High School ◽  
Interview Techniques

This research explains the internalization of multicultural values ​​in the learning process of PAI at Senior high school Darut Taqwa Sengonagung Purwosari Pasuruan. This Research uses a qualitative approach with the type of case study. The data collection was through by unstructured and opened interview techniques, unattended and opened observation, and documentation techniques. For analysis and interpretation of data using steps: a). Reduction data, b). Displaying data, and c). Conclusion drawing / verification. The results of the research shows that the internalization of multicultural values ​​in the learning process of PAI through two ways, namely through the material and using methods that reflect multicultural values.

scholarly journals Pesan Dakwah Antara Keluasan dan Kedangkalan dalam Instagram @Pendosahebat.Id

2020 ◽  
Vol 5 (3) ◽  
pp. 309-330
Author(s):  
Rifni Rizqi Nurul Aliyati ◽  
Wiryo Setiana ◽  
Acep Aripudin
Keyword(s):  
Social Media ◽  
Data Collection ◽  
Research Method ◽  
Qualitative Approach ◽  
Advantages And Disadvantages ◽  
The Media ◽  
Two Sides ◽  
Descriptive Qualitative

Pesan dakwah dapat disampaikan melalui media termasuk instagram. Trend  tersebut memiliki dua sisi seperti pisau bermata ganda (tantangan). Penelitian ini bertujuan untuk mengetahui penyajian pesan dakwah dalam media sosial instagram. Tujuan penelitian ini mengetahui bentuk penyajian pesan dakwah dalam instagram dan mencari tahu kelebihan dan kekurangan penyajian pesan dakwah dalam media sosial. Metode penelitian yang digunakan adalah deskriptif dengan pendekatan kualitatif dan teknik pengumpulan datanya, melalui observasi dan dokumentasi. Hasil penelitian menunjukan bahwa dari dua puluh unggahan yang diteliti, terdapat tiga unggahan yang termasuk bentuk penyajian pesan dakwah informatif, empatbelas unggahan yang termasuk persuasif, dan tiga unggahan yang termasuk koersif. Kelebihan penyajian pesan dakwah pada akun instagram ini ialah menyampaikan pesan dalam bahasa singkat dan mudah dipahami pembaca. Dan kekurangannya, yaitu penjelasan yang kurang lengkap dan singkat. Kelebihan dan kekurangannya ini juga memberikan dampak pada pemahaman  pembacanya. Da'wah messages can be conveyed through the media including Instagram. The trend has two sides like a double-edged knife (a challenge). This study aims to determine the presentation of preaching messages on social media Instagram. The purpose of this study is to find out the form of preaching messages on Instagram and find out the advantages and disadvantages of preaching messages in social media. The research method used is descriptive qualitative approach and data collection techniques, through observation and documentation. The results showed that of the twenty uploads examined, there were three uploads that included informative preaching messages, fourteen uploads that were persuasive, and three uploads which were coercive. The advantage of presenting da'wah messages on this Instagram account is that it conveys messages in short and easily understood language. And the shortcomings, namely an incomplete and concise explanation. These strengths and weaknesses also have an impact on the reader's understanding.

scholarly journals MANAJEMEN RISIKO PEMBIAYAAN MUSYARAKAH MUTANAQISAH DI BANK MUAMALAT INDONESIA KC MAS MANSYUR SURABAYA

2020 ◽  
Vol 6 (1) ◽  
pp. 188
Author(s):  
Gea Papurane Langi ◽  
Imron Mawardi
Keyword(s):  
Risk Management ◽  
Research Method ◽  
Market Risk ◽  
Qualitative Approach ◽  
Case Study Method ◽  
Islamic Bank ◽  
Data Collecting ◽  
Financing Risk ◽  
Branch Office

This research is done to see any risks that happened in Islamic bank, which can damage the bank. While it aims to find out the strategy used by Bank Muamalat Indonesia (BMI) to reduce the risk faced and often happened in the field. The research method uses a qualitative approach with a case study method. Data collecting was done by relating proposed questions and the conclusion made from the result of the interview with Branch Manager (BM), Relation Manager, and Remedial BMI of Branch Office of Mas Mansyur. The result of this research showed that BMI of Mas Mansyur Branch Office had done the process of risk management by identifying risk in the manner of finding out the existing risks which are financing risk; market risk; and ownership risk, measuring and monitoring the risks in the manner of doing measurement to find out and see any reason that causes those risks exist, and controlling and managing the existing risks in Musyarakah Mutanaqisah (MMQ) financing in the manner of ways that have already determined by BMI of Mas Mansyur Branch Office. The last is by monitoring the risks in MMQ financing at BMI of Mas Mansyur Branch Office.Keywords: Risk Management, Risk, Financing, Musyarakah Mutanaqisah, Bank Muamalat Indonesia

scholarly journals EFEKTIVITAS ZAKAT DALAM MENGURANGI KEMISKINAN DI JAWA TIMUR MENGGUNAKAN TEKNIK BASIC NEEEDS DEFICIENCY INDEX (BNDI)

2020 ◽  
Vol 6 (3) ◽  
pp. 568
Author(s):  
Arum Fatmawati ◽  
Raditya Sukmana
Keyword(s):  
Research Method ◽  
Total Population ◽  
Basic Needs ◽  
Poverty Line ◽  
Qualitative Approach ◽  
Deficiency Index ◽  
Study Strategy ◽  
Poverty And Inequality

This research aims to test the role of zakat to reduce poverty in the East Java period 2015-2017 by using the index that was recently developed, Basic Needs Deficiency Index. The research method used is qualitative approach with case study strategy. This research formulated BNDI index to measure the deficiency and effectiveness of zakat in resolving poverty. Data required is the total population that its income was below the poverty line in every city of East Java, and also total zakat, which was distributed by BAZNAS East Java in every city of East Java. The results obtained from the BNDI calculation have been able to explain the effectiveness of zakat for reducing poverty and inequality in East Java. The result of calculation, which was a high value or approaching value 1, explains that zakat that was distributed by BAZNAS East Java is not effective in reducing poverty in East Java. Furthermore, the result of this research shows that some cities had the highest BNDI and lowest BNDI as well. Hopefully, this result could be considered to use by the policymaker to improve the effectiveness of zakat in reducing poverty.Keywords: Zakat, Poverty, Basic Needs Deficiency Index (BNDI)

scholarly journals PERAN PEMBIAYAAN MURABAHAH DALAM MENINGKATKAN USAHA BATU BATA (STUDI PADA BMT AS-SALAM KANTOR KAS NGERECO KANDAT KEDIRI)

1970 ◽  
Vol 5 (1) ◽  
pp. 64-76
Author(s):  
Muh Khoirul Anam ◽  
Haris Santoso
Keyword(s):  
Financial Institutions ◽  
Case Study Research ◽  
Lower Class ◽  
Qualitative Approach ◽  
Study Research ◽  
Islamic Financial Institutions ◽  
Conventional Banks ◽  
Depth Interviews

Financial institutions are currently needed by all people because financial institutions are considered to be quicker in providing business capital loans. Previously, conventional banks were the only financial institutions operating in the financial sector or loans to the community before Islamic financial institutions, now with the development of financial institutions sharia society mostly prefers sharia finance rather than conventional, plus BMT which operates in the middle to lower class, this is what causes many people to take Islamic financial institutions because they prioritize family systems, so this study focuses on: 1). How is the application of murabahah financing at BMT As-Salam to brick businesses in the Ngreco Kandat Kediri village, 2). What is the role of murabahah financing at BMT As-Salam towards brick business in the Ngreco Kandat Kediri village, 3). How did the brick business increase in the Kandat Kediri Ngreco village after obtaining murabahah financing at BMT As-Salam. Research on the role of murabahah financing in brick business uses a descriptive qualitative approach with a type of case study research that refers to the interpretive postpositivistic thinking paradigm. The technique of collecting data is in-depth interviews, observation and documentation. The results of this study indicate that the application of murabahah financing at BMT As-Salam is very different where loans for business capital of bricks that should use mudharabah or musyarakah at BMT These salads use murabaha. Besides that the role of BMT As-Salam is very influential on brick business and before BMT As-Salam arrived, brick entrepreneurs still had difficulty finding capital to improve their business but after taking murabahah financing at BMT As-Salam, their efforts experienced an increase and prosperity life.

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