scholarly journals Implementasi Konsep Bagi Hasil Produk Pembiayaan Ditinjau Dari Fatwa DSN-MUI Nomor 14 DAN 15 Tahun 2000 (Study Kasus Bank Syariah Mandiri KCP Curup)

2021 ◽  
Vol 1 (1) ◽  
pp. 65
Author(s):  
Ranaswijaya Ranaswijaya
Keyword(s):  
Field Data ◽  
Field Research ◽  
Revenue Sharing ◽  
Profit Sharing ◽  
Qualitative Descriptive ◽  
Data Source ◽  
Descriptive Approach ◽  
Financial Administration ◽  
Cash Basis

The purpose of this study is to find out how to apply the concept of profit sharing to financing products at Bank Syari'ah Mandiri KCP Curup which includes financial administration records which will be analyzed with DSN fatwa no. 14/DSN-MUI/IX/2000 and the profit-sharing method analyzed by DSN fatwa no. 15/DSN-MUI/IX/2000. This research is a field research with a qualitative descriptive approach. The main data source of this research comes from field data by collecting data from informants. The results showed that the profit sharing at Bank Syari'ah Mandiri KCP Curup was applied to Chanelling financing and Revolving Fund Financing. In terms of recording financial administration, when the transaction is related to bank disbursements the method used is accrual basis while when the transaction is related to bank receipts the method used is cash basis. This is in accordance with DSN fatwa no. 14/DSN-MUI/IX/2000. Chanelling financing method used is revenue sharing and Revolving Fund Financing cannot be classified into profit sharing or revenue sharing, the determination of the amount of bank profit is based on the use of capital by customers each month as seen from customer account mutations so that it is not relevant to DSN fatwa no. 15/DSN-MUI/IX/2000.

scholarly journals Eradicating Poverty through Zakat Utilization (A Case from Kelompok Bina Zakat Program)

2021 ◽  
Vol 1 ◽  
pp. 162-178
Author(s):  
Mail Hilian Batin ◽  
Dini Rahmayanti
Keyword(s):  
Data Collection ◽  
Poverty Alleviation ◽  
Field Research ◽  
Profit Sharing ◽  
The Poor ◽  
Key Factor ◽  
Qualitative Descriptive ◽  
Descriptive Approach ◽  
Wide Gap ◽  
The Rich

Economic inequality is something that is still visible in a developing country. The wide gap between the rich and the poor is a key factor in causing poverty. The National Amil Zakat Agency (BAZNAS) is one of the institutions that aim to collect and distribute zakat funds. In its distribution, BAZNAS formed Kelompok Bina Zakat (KBZ) spread across various regions. The establishment of the KBZ is expected to be a solution to the problem of poverty in Indonesia. This study aims: what is the background of banuayu village and KBZ Program? Can the formation of KBZ be a solution to poverty alleviation? And how the BAZNAS stimulant fund mechanism can develop? This research is a field research with a qualitative descriptive approach. The data collection techniques used are observation, interviews, and documentation. The results show that there is a significant influence on the formation of the KBZ in poverty alleviation with the assistance of venture capital from the BAZNAS stimulant fund, so that the economy of the community in Banuayu OKUT Village, South Sumatra can live. Then the mechanism is to charge a loan principal return of Rp. 100,000 as a profit sharing from borrowed funds of Rp. 1,000,000.

DINAMIKA POLITIK PERSETUJUAN BERSAMA TENTANG PENETAPAN DESA ADAT DI KABUPATEN ROKAN HULU TAHUN 2014

2017 ◽  
Vol 15 (1) ◽  
pp. 21
Author(s):  
Haryo Suganda ◽  
Raja Muhammad Amin
Keyword(s):  
Regulatory Region ◽  
Field Research ◽  
Analysis Techniques ◽  
Political Dynamics ◽  
Political Interests ◽  
Wide Range ◽  
Information Method ◽  
Qualitative Descriptive ◽  
The Village

This study is motivated the identification of policies issued by the regional Governmentof Rokan Hulu in the form of Regulatory region number 1 by 2015 on the determination of thevillage and Indigenous Village. Political dynamics based on various interests against themanufacture of, and decision-making in the process of formation of the corresponding localregulations determination of Indigenous Villages in the Rokan Hulu is impacted to a verysignificantamount of changes from the initial draft of the number i.e. 21 (twenty one) the villagebecame Customary 89 (eighty-nine) the Indigenous Villages who have passed. Type of thisresearch is a qualitative descriptive data analysis techniques. The research aims to describe theState of the real situation in a systematic and accurate fact analysis unit or related research, aswell as observations of the field based on the data (information). Method of data collectionwas done with interviews, documentation, and observations through fieldwork (field research).The results of the research on the process of discussion of the draft local regulations andmutual agreement about Designation of Indigenous Villages in the Rokan Hulu is, showed thatthe political dynamics that occur due to the presence of various political interests, rejectionorally by Villagers who were judged to have met the requirements of Draft Regulations to beformulated and the area for the set to be Indigenous Villages, and also there is a desire fromsome villages in the yet to Draft local regulations in order to set the Indigenous village , there isa wide range of interests of these aspects influenced the agreement to assign the entire localVillage which is in the Rokan Hulu become Indigenous village, and the village of Transmigrationinto administrative Villages where the initiator of the changes in the number of IndigenousVillages in the Rokan Hulu it is the desire of the local Government of its own.

Analisis Manajemen Pembiayaan Murobahah BMT

WADIAH ◽  
2019 ◽  
Vol 3 (1) ◽  
Author(s):  
Ryski Pebriana, Rofik Efendi
Keyword(s):  
Financial Institutions ◽  
Financial Services ◽  
Field Research ◽  
Animal Husbandry ◽  
Muslim Community ◽  
Savings And Loans ◽  
Management Function ◽  
Islamic Financial Institutions ◽  
Qualitative Descriptive ◽  
Descriptive Approach

The development of Islamic banking and Islamic financial institutions in Indonesia lately increasing. One reason is the strong belief in the Muslim community that banking and conventional financial institutions contain usury which is prohibited by Islam. The presence of Agritama Srengat Blitar BMT as Syari'ah savings and loans is intended to be a more innovative alternative in financial services, the financing process is also not complicated. The absence of an element of usury to Murabahah financing, and the ease of the process and conditions for financing, does not make more and more bad loans. The approach used in this research is a qualitative descriptive approach, while the type of research is field research, and the method of collecting data is observation, interview and documentation, which is using three steps, data reduction, file presentation and drawing conclusions.The results of this study indicate that: 1). Financing procedures at BMT Agritama Srengat Blitar use 5C analysis (character, capacity, capital, collateral, condition) and take into account a maximum radius of 10 km, but this does not apply to existing customers and customers who get recommendations from partners. 2). The implementation of Murabahah financing management has not been in accordance with the murabaha management function which includes planning, organizing, implementing, and controlling. Where the planning of murabahah financing is devoted to agriculture and animal husbandry, but in practice it is not appropriate, then in the implementation of murabahah financing using a wakalah contract it is signed together with murabahah. And the supervision conducted by BMT Agritama is not routinely visited to the place of business. Keywords : financing manajement, murabahah

scholarly journals Peran Teknologi Pendidikan Pada Mata Pelajaran Matematika Kelas Iii Di Mi Ma’arif Pademonegoro Sukodono

2020 ◽  
Vol 1 (1) ◽  
pp. 124
Author(s):  
Nurdyansyah Nurdyansyah ◽  
Qorirotul Aini
Keyword(s):  
Education Technology ◽  
Field Research ◽  
Research Data ◽  
Class Iii ◽  
Data Presentation ◽  
Analysis Techniques ◽  
Qualitative Descriptive ◽  
Three Stages ◽  
Descriptive Approach ◽  
Mathematics Class

This study aims to determine the importance of technology role in Mathematics Class III in MI Ma'arif Pademonegoro, knowing the supporting factors and inhibiting factors in the application of Mathematics Class III in MI Ma'arif Pademonegoro.Tenelitian is a type of qualitative research using Qualitative descriptive approach and using field research methods (Field Research). Data collection techniques in this study using interviews, observation and documentation and analyzed by using triangulation analysis techniques consisting of three stages namely 1) data reduction, 2) data presentation, and 3) drawing conclusions.keyword: Education technology, Mathematic

scholarly journals Implementasi Sistem Bagi Hasil Mudharabah pada Koperasi Serba Usaha Amanah Desa Bunobogu Kecamatan Bunobogu Kabupaten Buol

Al-Buhuts ◽  
2017 ◽  
Vol 13 (2) ◽  
pp. 109-126
Author(s):  
Abdul Latif
Keyword(s):  
Small And Medium Enterprises ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Revenue Sharing ◽  
Profit Sharing ◽  
Primary Data ◽  
Analysis Method ◽  
Qualitative Descriptive ◽  
Medium Enterprises ◽  
Made In

This study aims to determine the system for the results of Mudharabah on Business Multipurpose Cooperative (KSU) Amanah Desa Bunobogu with Qualitative Descriptive Analysis method. This study uses primary data sources and secondary data relating to the annual revenue sharing system Mudharabah (2010-2014). The results of this study indicate that the profit sharing system is implemented by the Multipurpose Business Cooperative (KSU) Amanah Desa Bunobogu in the form of Mudharabah financing. With a guarantee statement on the process akadnya. In the event of negligence made by members who resulted in his business losing the goods made in the guarantee will be seized by the cooperative. Businesses that are established by members are mostly small and medium enterprises so often encountered bookkeeping that is not clear and just make a budget booklet at random. However, it does not become alaasan and hamper the growth of cooperatives which each year has increased the remaining results of operations. Unclear budget bookkeeping can result in member earnings manipulation, by lowering the profits earned and the effect on the revenue share installments

scholarly journals Tradisi Reresik Sendang Masyarakat Wonosoco dalam Perspektif Ekoteologi Islam

FIKRAH ◽  
2019 ◽  
Vol 7 (2) ◽  
pp. 391
Author(s):  
Ahna Soraya
Keyword(s):  
Data Collection ◽  
Natural Environment ◽  
Field Research ◽  
Meeting Point ◽  
The People ◽  
Qualitative Descriptive ◽  
Descriptive Approach

<p class="07KatakunciKeywords">This study aims to determine the perspective of Islamic eco-theology in the Reresik Sendang tradition in Wonosoco Village. How the people of Wonosoco Village carry out, interpret, and how the Reresik Sendang tradition is seen from the perspective of Islamic eco-theology. This research uses a type of field research using a qualitative descriptive approach. Data collection techniques obtained through the results of observations, interviews, and documentation. The findings from this study indicate several important points: First, the tradition of Reresik Sendang is a form of effort by the people of Wonosoco Village in preserving the natural environment based on Islamic teachings. Secondly, in the implementation of the Reresik Sendang tradition, there are still rituals which are Hindu-Buddhist teachings. The community interpreted that the Sendang Reresik tradition is a form of gratitude to God Almighty, as well as a form of respect for the ancestors. Third, viewed from the perspective of Islamic eco-theology in the Reresik Sendang tradition in Wonosoco Village, there is a meeting point in it, which sees nature as a "sign" of God.</p>

scholarly journals Peran Dosen Penasehat Akademik (PA) Prodi Perbankan Syariah Jurusan Syariah dan Ekonomi Islam STAIN Curup Dalam Menangani Permasalahan Mahasiswa

2018 ◽  
Vol 2 (2) ◽  
pp. 133
Author(s):  
Busra Febriyarni
Keyword(s):  
Ethical Issues ◽  
Field Research ◽  
Islamic Banking ◽  
Academic Problems ◽  
Study Program ◽  
Student Mentors ◽  
Study Programs ◽  
Qualitative Descriptive ◽  
Descriptive Approach

This paper raises the issue of how the role of PA lecturers in solving problems of students of Islamic banking study programs majoring in Sharia and Islamic Economics. The method used in this study is field research with a qualitative descriptive approach. The source of important data in this study is the PA lecturer in the Sharia Banking study program which is also called the research informant. The results showed that students had many academic problems, including the problem of taking courses every semester there were pre and no conditions, shortages and excess credits, less cooperative or less familiar with their respective PA lecturers, problems, economics, family there are even personal problems that consult with PA lecturers. The role of PA lecturers in solving the problem of the students in the Islamic Banking study program is quite well, this can be seen from the role of PA lecturers as their student mentors in academic matters that lead to taking courses, as advisors who always remind students in several ways, such as ethical issues , not yet fluent in reading Al-Quran, and as a motivator who always gives motivation to a better future career, their parents' economic problems and their relationship to the late payment of semester fees and others. In general, PA lecturers in the Sharia banking study program have played a role as PA lecturers both as mentors, directors, advisors and motivators in the academic, social, economic and career fields.

scholarly journals Implementasi Akad Murabahah Pada Produk Pembiayaan Kredit Pemilikan Rumah (KPR) di Bank Syariah Mandiri KC Bojonegoro Menurut Hukum Ekonomi Syariah

2019 ◽  
Vol 3 (1) ◽  
Author(s):  
Anis Muhtarom
Keyword(s):  
Legal Theory ◽  
Field Research ◽  
Mortgage Loan ◽  
Mortgage Loans ◽  
Economic Law ◽  
Loan Financing ◽  
Qualitative Descriptive ◽  
System F ◽  
To Receive

This study discusses about how the implementation of the murabahah bil wakalah contract theory on mortgage products in the Bank Syariah Mandiri KC Bojonegoro is seen from the perspective of Sharia Economic Law. The scope of this research is limited to the following issues: (1) How is the implementation of the murabahah contract on mortgage loans in Bank Syariah Mandiri KC Bojonegoro? (2) How is the implementation of the murabahah contract on mortgage loan products in the Bojonegoro KC Mandiri Syariah Bank according to the Sharia Economic Law? This research includes the type of field research. Because this research was conducted at Bank Syariah Mandiri KC Bojonegoro. This research is a qualitative descriptive study because in this study the author will focus the discussion on legal facts in the form of the implementation of financing between banks and customers with murabahah contracts which will then be continued with a comparative analysis of the legal facts referred to as sharia economic law theories. This is intended to test the compatibility between legal theory and the legal practice in question.The results of this research include: (1) The mechanism that must be taken to be able to receive financing for Public Housing Loans from Bank Syariah Mandiri KC Bojonegoro, is carried out through predetermined stages including: (a) submission; (b) BI checking / IDeb (debtor information); (c) the implementation of collateral estimates; (d) determination of ceilings; (e) Imputing data into a computer system; (f) approval of the official for mortgage loans; (g) Issuance of SP3 (Letter of Notification of Financing Approval); (h) Implementation of the contract which is attended by prospective customers, banks and notaries; (i) Disbursement. As for the agreements made between prospective customers and banks, there are elements as follows: (a) Contracting parties; (b) Sighat or iqab qabul akad murabahah; (c) Contract object. The object of the contract referred to in the housing loan product is a new or used house; (d) Nature of contract. Agreements are made clearly, both concerning objects, ceilings, time periods, contract places, financing nominal, margin obtained by the bank, and principal installments. In the event of default or bad credit where the customer is late in paying the installments, the bank's contribution will take the following steps: (a) Intensive billing; (b) Provision of Warning Letters 1, 2 and 3; (c) A restructuring offer (if the customer is pleased), ie installments are adjusted to the customer's ability and large at the end; (d) Voluntary guarantee selling offers; (e) Guaranteed auction. In a condition where the customer is not willing to carry out a contract restructuring, the bank offers that the auction of assets is a guarantee of the akah murabahah. As for the auction, the bank cooperates with a secret auction agency. (2) The implementation of housing loan financing with a murabahah contract in Bank Syariah Mandiri KC Bojonegoro is not in accordance with Sharia Economic Law originating from Law Number 21 of 2008 concerning Islamic Banking, MA Regulation Number 2 of 2008 concerning Compilation of Sharia Economic Law and DSN-MUI fatwa Number 4 of 2000 concerning Murabahah. Keywords: Contract, Murabahah bil Wakalah, KPR, BSM, Sharia Economic Law. 

scholarly journals Pengembangan Program Studi Perbankan Syariah Berbasis Integrasi Peran Bank Syariah Bagi Sektor Riil UMKM

2021 ◽  
Vol 7 (2) ◽  
Author(s):  
Tri Mulato ◽  
Sudirman Sudirman ◽  
Kamaruddin Kamaruddin ◽  
Iryani Iryani
Keyword(s):  
Field Research ◽  
Secondary Data ◽  
Primary Data ◽  
Research Theme ◽  
Analysis Technique ◽  
Qualitative Descriptive ◽  
Data Source ◽  
Banking Institution ◽  
The City

Sharia banking are interested in getting involved channeling financing to the real sector of SMEs, including Bank BNI Syariah Makassar and Bank Panin Dubai Syariah Makassar. The purpose of this study is to determine the development of SMEs financing provided by sharia banking. Then to find out the role of sharia banking for the distribution financing for SMEs in the city of Makassar. As well as to find out the form of integration of the development of the department of sharia banking UIN Alauddin Makassar, through the distribution of financing for SMEs in sharia banking institution. This type of research is a field research, by taking data directly. The nature of the research is qualitative. The data source uses primary data and secondary data related to the research theme. The data analysis technique used in this research is qualitative descriptive, which describes the objects in the study. The results of this study indicate the development of the distribution of financing in sharia banking reaching 15.93 percent. Then Bank BNI Syariah and Bank Panin Dubai Syariah Makassar channeled financing to SMEs sector, reaching 20 percent. The form of integration in the development of departement sharia banking is by presenting courses on object management of financing sharia banking and courses on SMEs business.

scholarly journals PEMBIASAAN SHALAT DHUHA UNTUK MENINGKATKAN DISIPLIN BELAJAR SISWA

QATHRUNÂ ◽  
2021 ◽  
Vol 8 (1) ◽  
pp. 1
Author(s):  
Eni Sri Mulyani ◽  
Hunainah Hunainah
Keyword(s):  
Grade Level ◽  
Field Research ◽  
Research Field ◽  
Male Students ◽  
Student Discipline ◽  
Class V ◽  
Qualitative Descriptive ◽  
Descriptive Approach ◽  
Number Of Cycles ◽  
School Yard

The research objective was to describe the improvement of student learning discipline through habituation of Dhuha prayer at SD Negeri Kadingding, Kibin District. The data type of this research is descriptive qualitative using three data analyzes, namely data reduction, data presentation, and conclusion drawing. This study uses a qualitative descriptive approach which includes field research (Field Research) with data collection techniques namely observation, interviews, and documentation. The subjects of this study were students of SD Negeri Kadingding, Kibin District. Data were collected from 33 grade V students, 17 male students and 16 female students. Class V was taken as the sample because grade V children are in the high grade level between grades IV, V, VI. This research was conducted for 40 days starting from 23 July to 8 October 2019. The results of this study indicate 1) thatwith the implementation of the practice of the Dhuha prayer at SD Negeri Kadingding, Kibin District, which is held every Tuesday to Friday at 06.30 - 07.00, the Duha prayer is carried out in congregation starting from grade I to grade VI, the number of cycles of dhuha prayer from the school recommends a minimum of 2 cycles of prayer in advance to improve time discipline and get used to performing Duha prayers. 2) the percentage of the implementation of this Dhuha prayer habit has an effect on increasing student discipline in learning; 3) The condition of the place used for the Dhuha prayer is inadequate, because it uses the school yard field by laying out a mat, so it takes time to prepare for the Dhuha prayer.

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