ZAKAT PRODUKTIF SEBAGAI MODAL USAHA MASYARAKAT (STUDI BADAN AMIL ZAKAT KOTA BENGKULU)

Abstract: The purpose of this research is clarity which can make it easy for Mustahiq (beneficiaries) to find business capital by borrowing capital at BAZNAS (The National Zakat Board) of Bengkulu City and the results of this study can be used as material for further study to produce legislation regarding the rights of Mustahiq in existing regulations. It is field research using qualitative descriptive methods. Descriptive research is to analyze the data that the author has obtained, the author uses a comparative analysis method, namely research that aims to systematically, factually, and accurately compare facts, situations or events in the field. From the results of research on the effectiveness of zakat funds received by the community, a total of eight asnaf (a Muslim person who is entitled to receive zakat and fitrah) received professional zakat assistance, those who are, fakir (a Muslim person who (a) has no property or income; or (b) has property or income but does not reach fifty per cent of the kifayah limit of himself and his dependants), poor, fisabilillah (the struggle, efforts and activities for the purpose of upholding and propagating the religion of Islam), mu'allaf (a call for individuals who are non-Muslims or non-Muslims who have the hope of converting to Islam or those who are new to Islam whose faith still needs to be supported and reinforced), and musafir (traveler), as well as productive zakat for small traders in advancing their business. The distribution of productive zakat given by BAZNAS of Bengkulu City through the "Program" to mustahik in the Bengkulu City area can improve two factors of Mustahik's welfare. Keywords: productive zakat; mustahik.

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

Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah ◽

10.30651/justeko.v3i1.2960 ◽

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.

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Anak autis sebagai mad’u dakwah: Analisis komunikasi interpersonal

Jurnal Ilmu Dakwah ◽

10.21580/jid.v40.2.4702 ◽

2020 ◽

Vol 40 (2) ◽

pp. 87

Author(s):

Uky Firmansyah Rahman Hakim ◽

Rima Fadillah

Keyword(s):

Social Interactions ◽

Interpersonal Communication ◽

Field Research ◽

Research Field ◽

Point Of View ◽

Early Communication ◽

The Social ◽

Qualitative Descriptive ◽

Communication Stage ◽

To Receive

Anak autis merupakan seseorang yang memiliki gangguan komunikasi, yang membuat penderitanya tidak mampu mengadakan interaksi sosial dengan baik. Sehingga keberadaan anak autis masih dipandang sebagai orang lain di masyarakat. Padahal, anak autis mampu melakukan komunikasi, meskipun komunikasi yang dilakukan berbeda dengan orang non-autis. Kaitannya dengan dakwah, anak autis seharusnya mampu menerima pesan-pesan dakwah, sehingga penelitian mengenai anak autis dari sudut pandang mad’u dakwah sangat penting untuk dilakukan. Penelitian ini dilakukan di SLB Autis Jalinan Hati Payakumbuh dengan tujuan mengetahui tentang apakah anak autis dapat digolongkan sebagai mad’u dakwah, dan bagaimana perkembangan sosial dan komunikasi anak autis sehingga ia mampu menerima pesan dakwah. Melalui penelitian lapangan (field research), penelitian ini menggunakan metode kualitatif yang bersifat deskriptif, data diperoleh dari wawancara, observasi dan dokumentasi. Hasil penelitian menujukan bahwa (1) dilihat dari pengertian dan kriteria mad’u, anak autis dapat digolongkan sebagai mad’u dakwah; (2) anak autis memiliki pola komunikasi interpersonal yang berbeda dengan anak non-autis, dalam perkembangannya ia tetap mampu melakukan komunikasi dengan orang lain, baik mengirim ataupun menerima pesan, melalui 3 tahapan, yaitu the own agenda stage (tahapan perkembangan komunikasi yang mendasar), the requester stage (perkembangan komunikasi mengalami kemajuan yang baik, tetapi masih terbatas), dan the early communication stage (tahapan kemampuan berkomunikasi sudah lebih baik).Child with autism is someone who has a communication disorder, which makes the sufferer unable to have good social interactions. So that the existence of autistic children is still seen as another person in society. In fact, autism can communicate, even though communication is different from non-autism. With regard to da'wah, autism should be able to receive da'wah messages, so research on autism from the point of view of mad'u da'wah is very important to do. This research was conducted at SLB Autism Jalinan Hati Payakumbuh to know whether autism can be classified as mad'u da'wah, and how the social development and communication of autism so that they can receive da'wah messages. Through field research (field research), this study uses qualitative descriptive methods, data obtained from interviews, observation and documentation. The results show that (1) seen from the definition and criteria of mad'u, autism can be classified as mad'u da'wah; (2) autism has different interpersonal communication patterns from non-autism, in their development they are still able to communicate with other people, either sending or receiving messages, through 3 stages, namely the own agenda stage (basic stages of development of communication) , the requester stage (communication development has progressed well, but is still limited), and the early communication stage (the stage of communication skills is better).

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PENGGUNAAN E-MONEY BRIZZI SEBAGAI ALAT PEMBAYARAN MENURUT HUKUM EKONOMI SYARIAH (STUDI ANALISIS TERHADAP PRODUK E-MONEY BRIZZI PADA BANK BRI KANTOR CABANG BLORA)

Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah ◽

10.30651/justeko.v4i1.5231 ◽

2020 ◽

Vol 4 (1) ◽

Author(s):

Muhammad Muhammad Zubaidi ◽

Suhartono Suhartono

Keyword(s):

Field Research ◽

Research Approach ◽

Electronic Money ◽

Descriptive Research ◽

Economic Law ◽

Research Activities ◽

Payment Instruments ◽

Qualitative Descriptive ◽

The Subject ◽

Branch Office

ABSTRACTThis research discusses and analyzes the mechanism of using Brizzi E-money issued by BRI Bank Blora Branch Office, as well as the perspective of Sharia Economic Law on the use of the card mechanism. Especially the electronic payment instruments issued by Bank BRI namely E-Money Brizzi. This research not only examines law theoretically, but also looks at it from the practice and application side in the field. This type of research is field research, namely research activities carried out at BRI Bank Blora Branch Office. The research approach which used is a qualitative descriptive research approach, which is an approach used to understand the phenomena about what is experienced by the subject and object of research.The results of this study concluded that the use of Brizzi E-money cards had met the legal and legal requirements for consent. In addition, when viewed from the aspect of cases that in validate the legality of the sale and purchase law, the use of Brizzi e-money cards in the sale and purchase transaction does not include elements that cancel the sale and purchase such as elements of gharar, maysir, and usury. The deduction of administrative funds due to transactions using the Brizzi e-money card has a similarity to the wakalah bil ujrah system in Sharia Economic Law. However, base on the results of the analysis conducted by the author, it is found that th euse of Brizzi e-money cards is not in accordance with the theory of wadi'ah dueto the unfulfillment of conditions and harmony in theuse, alsois not in line with the concept of wadi'ah yad amanah and wadi ' ah yad dhamanah from the aspect of the burden of responsibility for the party entrusted. Besides that, the use of Brizzi e-money cards is also not in accordance with the qardh theory. This is because in addition to not fulfilling one of the pillars and qardh validity requirements, also in the qardha fter the contract is said, the goods or asset swhich become the object of qardh automatically be come the property of the party receiving the loan. Where as in the system of using Brizzi e-money cards, the electronic money that is on the card after being deposited to the bank remains the property of the card holder. Keywords: E-Money, Brizzi, Sharia Economic Law, BRI Bank

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Problematika Konsinyasi Pengadaan Tanah Pembangunan Jalan Tol Krian Legundi Bunder di Kabupaten Gresik

Tunas Agraria ◽

10.31292/jta.v2i1.21 ◽

2019 ◽

Vol 2 (1) ◽

pp. 141-171

Author(s):

Shelvi Manurung ◽

Rofiq Laksmana ◽

Priyo Katon Prasetyo

Keyword(s):

Research Method ◽

Land Acquisition ◽

District Court ◽

Case Study Method ◽

Local District ◽

Descriptive Research ◽

Cash Compensation ◽

Qualitative Descriptive ◽

To Receive

Abstract: On the Land acquisition process, the therm consignment is known.If no consensus is reached in the deliberations, then the rightful party may file an objection to the local district court for 14 working days after the consultation period. If the party entitled to refuse and not to file a clearance, by law shall be deemed to receive the form and/or amount of the indemnity. The compensation money is deposited to the local district court (consignment). Based on the above objectives, the objectives of this research are to (1) identify the consignment causation factor and the consignment reason that is not taken in the local court; (2) to find out the form of settlement of cash compensation money not taken by the party entitled.The research method used is qualitative descriptive research with case study method. This research is intended to describe the factors and causes of consignment that are not taken by the parties and the settlement of money settlement money compensation is not taken by the party entitled.The results of the research showed why the consigment is not taken from the local cout are: (1) Land owner rejects the form and / or amount of compensation, (2) The object of land procurement is still disputed its ownership and (3) The entitled party is not known.Keywords: consignment, compensation, objection, land aquisitionIntisari: Dalam proses pengadaan tanah untuk kepentingan umum dikenal istilah konsinya-si.Apabila dalam musyawarah kesepakatan tentang ganti kerugian tidak tercapai kesepakatan, maka pihak yang berhak dapat mengajukan keberatan ke pengadilan negeri setempat selama 14 hari kerja setelah musyawarah. Apabila tidak mengajukan keberatan, makauang ganti kerugian tersebut dititipkan ke pengadilan negeri setempat (konsinyasi). Berdasarkan hal tersebut maka tujuan penelitian ini adalah untuk (1) mengetahui faktor penyebab konsinyasi dan alasan konsinyasi yang tidak di ambil; (2) untuk mengetahui bentuk penyelesaian konsinyasi yang tidak diambil oleh pihak yang berhak. Metode penelitian adalah penelitian deskriptif kualitatif dengan metode studi kasus. Penelitian ini mendeskripsikan faktor penyebab dan alasan konsinyasi yang tidak di ambil oleh pihak yang berhak serta upaya penyelesaian penitipan uang ganti kerugiannya.Hasil penelitian menunjukkan bahwa faktor penyebab konsinyasi tidak diambil ada-lah: (1) penerima ganti rugi menolak bentuk dan/atau besarnya ganti kerugian, (2) bidang tanahnyamasih dipersengketakan kepemilikannya dan (3) pihak yang berhak tidak diketahui keberadaannya.Kata Kunci: konsinyasi, uang ganti kerugian, keberatan, pengadaan tanah

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طريقة تعليم اللّغة العربية

TADRIS AL-ARABIYAT: Jurnal Kajian Ilmu Pendidikan Bahasa Arab ◽

10.30739/arabiyat.v1i01.713 ◽

2021 ◽

Vol 1 (01) ◽

pp. 1

Author(s):

Ilham Nur Kholiq ◽

Arika Nasiroh

Keyword(s):

Language Learning ◽

Learning Process ◽

Direct Method ◽

Field Research ◽

Arabic Language ◽

Research Field ◽

Visual Method ◽

Descriptive Research ◽

Inhibiting Factors ◽

Qualitative Descriptive

This study aims to describe the method used by the teacher in teaching Arabic and the factors that support and hinder the learning process of Arabic, especially in Madasah Aliyah al Amiriyyah Blokagung Tegalsari Banyuwangi. And this type of research is field research (field research) and this research is classified as qualitative descriptive research. The subjects in this study were Arabic teachers, students and principals. Data collection techniques using observation, interviews, and documentation.Based on the observations made by the author on the Arabic Language Learning Medote applied at Madrasah Aliyah al Amiriyyah, it can be concluded that the methods applied by the Arabic teacher at Madrasah Aliyah are: translation method qiro'ah method direct method, audio visual method and mixed methods. As for the inhibiting factors in learning, namely: different backgrounds of students, students who are less active in participating in learning Arabic, and Madrassas whose facilities are lacking in the learning process. Supporting factors in learning are students' high interest in learning Arabic and a comfortable environment for the learning process.

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FAKTOR HEREDITAS DALAM MEMPENGARUHI PERKEMBANGAN INTELLIGENSI ANAK USIA DINI

Jurnal Buah Hati ◽

10.46244/buahhati.v7i2.1162 ◽

2020 ◽

Vol 7 (2) ◽

pp. 108-124

Author(s):

Nur Amini ◽

Naimah Naimah

Keyword(s):

Structural Characteristics ◽

Field Research ◽

Individual Characteristics ◽

The Other ◽

Library Research ◽

Two Factors ◽

Qualitative Descriptive ◽

Similar Materials ◽

Data Collection Technique ◽

Analyze Data

Heredity is defined as the totality of individual characteristics inherited from parents to children, or all potential, both physical and psychological, that an individual has since the conception (fertilization of the ovum by sperm) as inheritance from parents through genes. The genes a child receives from its parents at conception will affect all the characteristics and appearance of the child in the future. As for what parents pass down to their children is structural characteristics, not behavior obtained as a result of learning or experiences such as talents, hereditary traits, intelligence and also personality. This heredity factor has a greater influence on the development of a child's intelligence than the other two factors, namely environmental factors and general factors. Therefore, the researcher wants to examine more deeply the heredity factor (heredity) in influencing the development of early childhood intelligence. This research is a qualitative descriptive field research. Where the type of research used is the type of library research (library research), which is a study conducted in the library room to find and analyze data sourced from the library, whether in the form of books, magazines, newspapers, and so on. The data collection technique used by researchers is the documentation method, namely the method of collecting data or information by reading books, letters, announcements, meeting summaries, written statements, and other similar materials. Abstrak Hereditas diartikan sebagai totalitas karakteristik individu yang diwariskan orangtua kepada anak, atau segala potensi, baik fisik maupun psikis yang dimiliki individu sejak masa konsepsi (pembuahan ovum oleh sperma) sebagai pewarisan dari orangtua melalui gen-gen. Gen yang diterima anak dari orang tuanya pada saat pembuahan akan mempengaruhi semua karakteristik dan penampilan anak kelak. Adapun yang diturunkan orangtua kepada anaknya adalah sifat strukturnya bukan tingkah laku yang diperoleh sebagai hasil belajar atau pengalaman seperti bakat, sifat-sifat keturunan, intelligensi dan juga kepribadiannya. Faktor hereditas ini memberikan pengaruh lebih besar terhadap perkembangan intelligensi seorang anak dibanding dua faktor lainnya yaitu faktor lingkungan dan faktor umum. Maka dari itu peneliti ingin mengkaji lebih dalam faktor hereditas (keturunan) tersebut dalam mempengaruhi perkembangan intelligensi anak usia dini. Penelitian ini merupakan penelitian lapangan yang bersifat deskriptif kualitatif. Dimana jenis penelitian yang digunakan adalah jenis penelitian kepustakaan (library research), yaitu suatu penelitian yang dilakukan di ruang perpustakaan untuk mencari dan menganalisis data yang bersumber dari perpustakaan, baik berupa buku, majalah, koran, dan lain sebagainya. Teknik pengumpulan data yang digunakan peneliti adalah metode dokumentasi, yakni metode pengumpulan data atau informasi dengan cara membaca buku-buku, surat-surat, pengumuman, iktisar rapat, pernyataan tertulis, dan bahan-bahan sejenis lainnya. Kata Kunci : Faktor Hereditas, Perkembangan Intelligensi Anak Usia Dini

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Jual Beli Kepiting Ditinjau Dari Sad Adz Dzariah Dan Peraturan Menteri Kelautan Dan Perikanan Republik Indonesia Nomor 12 Tahun 2020

AL - BAY' : Jurnal Hukum Ekonomi Syariah ◽

10.32505/albay.v1i1.3104 ◽

2021 ◽

Vol 1 (1) ◽

Author(s):

MUSTAFA MUSTAFA

Keyword(s):

Descriptive Analysis ◽

Field Research ◽

Research Problem ◽

Research Field ◽

Egg Laying ◽

Analysis Method ◽

Crab Population ◽

Qualitative Descriptive ◽

The Republic ◽

The Village

In the practice of buying and selling crabs in the village of Meunasah Paya, the fishermen sell all the crabs they catch without sorting them out, whether they are small, large, laying eggs or not, and this is not in accordance with Permen KP number 12 of 2020 which only allows crabs above. 150 grams and crabs that are not in egg-laying condition. The formulation of the research problem is how the practice of buying and selling crabs in Meunasah Paya village, Manyak Payed district, Aceh Tamiang district and how is Sad Adz Dzariah's review and Regulation of the Minister of Maritime Affairs and Fisheries of the Republic of Indonesia Number 12 of 2020 on the practice of buying and selling crabs in Meunasah Paya village, Manyak Payed district, Aceh district Tamiang. The purpose of the study was to find out the practice of buying and selling crabs in Meunasah Paya village as well as a review of Sad Adz Dzariah and KP Ministerial Regulation number 12 of 2020 on the practice of buying and selling crabs in Meunasah Paya village, Manyak Payed district, Aceh Tamiang district. This research includes field research (Field Research) with qualitative descriptive analysis method. The results of the study concluded that in Meunasah Paya village, crab fishermen sell all the crabs they catch to collectors without looking at the standardization of Ministerial Regulation No. 12 of 2020 which has been determined whether large or small crabs, laying eggs or not, will still be sold to collectors. According to sad adz dzariah, the law of buying and selling crabs in Meunasah Paya village is divided into two, namely some are prohibited because they are not in accordance with the candy and this will damage the crab population in nature and some are not prohibited. Meanwhile, according to Permen KP Number 12 of 2020, the sale and purchase of crabs in the village of Meunasah Paya is also divided into two, namely, some are appropriate and some are not.

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TUTURAN DALAM PROSESI LAMARAN PERNIKAHAN DI TOMIA KABUPATEN WAKATOBI [Speech In The Wedding Purpose Procession In Tomia Kabupaten Wakatobi]

TOTOBUANG ◽

10.26499/ttbng.v6i2.88 ◽

2019 ◽

Vol 6 (2) ◽

pp. 183

Author(s):

Risman Iye

Keyword(s):

Field Research ◽

Research Field ◽

Descriptive Research ◽

Qualitative Descriptive

Purpose procession is a sacred process that is occupied by a part of society is an obligation of a culture. the event is not only present instantaneously, but requires a long process with various stages. So does marriage at Tomia Wakatobi. This study aims to describe the form of speech in the marriage purpose procession in Tomia and explain the meaning of speech in the process. This research is a kind of qualitative descriptive research Field Research, which is based on the results obtained through field research. Regarding the object discussed according to the reality that occurs in society, especially in the community in the East Tomia Subdistrict, Wakatobi Regency. The results showed that the stages in the purpose process in Tomia consisted of four forms. 1) Pa’epe. 2) Pa’rara; 3) Po’ema-ema and 4) Nga’a Nualo. Of the four forms of application processions the utterances spoken vary. On form Pa’epe, Pa’rara and Nga’a Nualo the form of the speech is declarative and interrogative. while in form Po’ema-ema the form of the speech is in the form of declarative, imperative and interrogative. The meaning in the speech purpose procession means connotation.Prosesi lamaran merupakan proses sakral yang dianggap oleh sebagian masyarakat adalah kewajiban dari suatu budaya. Peristiwa tersebut bukan hanya hadir secara instan, namun memerlukan proses yang panjang dengan berbagai tahapan. Begitu pula pernikahan di Tomia Wakatobi. Penelitian ini bertujuan mendeskripsikan wujud tuturan dalam prosesi lamaran pernikahan di Tomia dan menjelaskan makna tuturan dalam prosesinya. Penelitian ini merupakan jenis penelitian deskriptif kualitatif Field Research, yaitu berdasarkan hasil yang diperoleh melalui penelitian lapangan. Mengenai objek yang dibicarakan sesuai kenyataan yang terjadi di masyarakat khususnya pada masyarakat di Kecamatan Tomia Timur, Kabupaten Wakatobi. Hasil penelitian menunjukkan bahwa tahapan dalam proses lamaran di Tomia terdiri atas empat bentuk. 1) Pa’epe. 2) Pa’rara; 3) Po’ema-ema, dan 4) Nga’a Nualo. Dari keempat bentuk prosesi lamaran tersebut tuturan yang dituturkan bervariasi. Pada bentuk Pa’epe, Pa’rara, dan Nga’a Nualo wujud tuturannya berbentuk deklaratif, dan interogatif. Akan tetapi pada tahapan Po’ema-ema wujud tuturannya berbentuk deklaratif, imperatif, dan interogatif. Makna dalam tuturan prosesi lamaran bermakna konotasi.

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Penerapan Akad Murabahah Dalam Produk Pembiayaan Bagi Pensiunan di BSM KCP Bondowoso

Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah ◽

10.30651/justeko.v3i1.2931 ◽

2019 ◽

Vol 3 (1) ◽

Author(s):

Amin Uddin

Keyword(s):

Program Implementation ◽

Field Research ◽

Comparative Approach ◽

Research Approach ◽

Descriptive Research ◽

Research Activities ◽

Warning Letter ◽

Analysis Technique ◽

Qualitative Descriptive ◽

Letter Collection

This study examines the application of murabahah contracts on pension financing products conducted at Bank Syariah Mandiri KCP Bondowoso between the bank and its customers based on DSN-MUI fatwa Number 4 of 2000 concerning murabahah financing and DSN-MUI fatwa Number 88 of 2013 concerning General Guidelines for Program Implementation Pension Based on Sharia Principles. The problems that will be answered through this research are: (1) How is the application of the murabahah contract to pension financing products in Bank Syariah Mandiri KCP Bondowoso? (2) What is the DSN-MUI fatwa review of the application of the murabahah contract to pension financing products at Bank Syariah Mandiri KCP Bondowoso? This research is field research, because research activities are conducted at Bank Syariah Mandiri KCP Bondowoso. The research approach used is a qualitative descriptive research approach. To understand and analyze the object under study, the author uses several approaches such as the legislative approach and the comparative approach. Data collection techniques using observation, documentation, and interview techniques. While the data analysis technique uses a comparative analysis method.The results of this study are: (1) The pension financing contract in Bank Syariah Mandiri KCP Bondowoso is carried out by using a murabahah contract by fulfilling the following conditions: (1) The contract is done by reciting ijab and qabul; (2) Contracts are clearly implemented; (3) The object of the contract has been fully owned by the bank before being offered to prospective customers; (4) Contracts are carried out by prospective customers and the bank voluntarily without any coercion or threat; and (5) Contract objects are goods that are not prohibited by sharia. In the event of default, the bank will carry out billing steps by sending a notification letter, collection letter, warning letter 1 to 3. If the customer becomes bankrupt, the Bank will give up the time when it is able to settle its obligations if the business is bankrupt in an agreement the bank with the customer at the time of the murabahah agreement. (2) In general, the application of murabahah contracts to pension financing products at Bank Syariah Mandiri KCP Bondowoso is in accordance with the DSN-MUI fatwa, both DSN-MUI fatwa Number 4 of 2000 concerning Financing of Murabahah, and DSN-MUI fatwa Number 88 of 2013 concerning Guidelines General Implementation of Sharia Principles Based Pension Programs. Keywords: Fatwa, DSN-MUI, Murabahah, Pension, Bank Syariah Mandiri.

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PERAN PENDIDIKAN KEWARGANEGARAAN DALAM UPAYA MENUMBUHKAN RASA CINTA TANAH AIR

BUANA ILMU ◽

10.36805/bi.v4i1.855 ◽

2019 ◽

Vol 4 (1) ◽

pp. 137-150

Author(s):

Yudi Firmansyah

Keyword(s):

Civic Education ◽

Citizenship Education ◽

Field Research ◽

Young Generation ◽

Next Generation ◽

Descriptive Research ◽

Self Defense ◽

Qualitative Descriptive

The younger generation or the next generation is the generation that will start the results of the struggle of the predecessors by becoming leaders, who can support and advance this nation to become more prosperous and victorious. To make the young generation able to become good leaders who are expected to happen that do not need the love and self-defense of the State that grows in their hearts and souls. The feeling of love to the motherland is very important and must be instilled in the next generation of young people, so that in the future this nation can become a great and victorious nation. This research is a field research, with the type of qualitative descriptive research with the method used is a case study. Citizenship education in this study has an impact on the role of efforts to foster a sense of patriotism for students. The love of the motherland is a thank you and a love for the place of birth or homeland. Helping every successor generation to a large extent be able to apply a sense of love for the land by means of his beik through civic education. Keywords: Citizenship Education, Love the Motherland Generasi muda atau generasi penerus adalah generasi yang akan meneruskan hasil perjuangan para pendahulu dengan menjadi pemimpin-pemimpin, yang di harapkan dapat merubah dan memajukan bangsa ini menjadi lebih makmur dan berjaya. Untuk menjadikan generasi muda dapat menjadi pemimpin yang baik seperti yang di harapkan tidak akan terjadi apabila tidak rasa cinta dan bela Negara yang tumbuh di hati dan jiwa mereka. Rasa cinta kepada tanah air sangat penting dan harus di tanamkan kepada generasi muda penerus bangsa, agar kedepannya bangsa ini dapat menjadi bangsa yang besar dan Berjaya. Penelitian ini merupakan penelitian lapangan (field research), dengan jenis penelitian deskriptif kualitatif dengan metode yang digunakan yaitu studi kasus. Pendidikan kewarganegaarn dalam penelitian ini mengarhkan kepada peranan dalam upaya menumbuhkan rasa cinta tanah air kepada siswa. Cinta tanah air adalah suatu kasih sayang dan suatu rasa cinta terhadap tempat kelahiran atau tanah airnya. Sehingga setiap generasi penerus bangsa terutama para pelajar mampu untuk mengimplementasikan rasa cinta tanah air dengan sebaik-beiknya melalui pendidikan kewarganegaraan. Kata kunci : Pendidikan Kewarganegaraan, Cinta Tanah Air

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