scholarly journals Analisis Penggunaan Metode Analitycal Hierarchy Process (AHP) dalam Pemberian Pembiayaan bagi Nasabah di BRI Syariah KCP Ujungberung

Author(s):  
Iman Yulianto ◽  
N Eva Fauziah ◽  
Nanik Eprianti

The application of AHP method in financing risk management and analysis efforts, especially for KURS program in BRI Syariah is implemented in the decision making system application that is built with PHP programming language and uses the "MySql" database application which is expected to create a system that can help the bank in determining KURS recipients. by online. But in the implementation of the application, the AHP analysis process at BRI Syariah can be said to be in harmony with the Maqashid of Sharia and the terms of the distribution of financing as stipulated in the applicable laws. Based on these problems, the authors compile the formulation of the problem as outlined in the form of questions as follows: What are the provisions of Islamic economics regarding the determination of the distribution of financing for customers in Islamic banks? How is the implementation of the analysis of determining the priority of financing for customers using the Analyticalcal Hierarchy Process (AHP) method at BRI Syariah Ujungberung KCP? And how is the analysis of sharia economics towards the determination of financing provision for customers using the Analitycal Hierarchy Process (AHP) method in BRI Syariah Ujungberung KCP? The research method used is a descriptive analysis research method that aims to describe the use of the AHP method in analyzing financing for the MSME sector in the KURS program at BRI Syariah Ujungberung KCP. The conclusion of this study is that the determination of financing distribution for customers in Islamic banks is implemented into the application of the precautionary principle by using elements of the 5C standard and Islamic economic principles such as the principles of openness, honesty and fairness. The financing analysis using the AHP method at BRI Syariah Ujungberung KCP is carried out systematically and conical so as to produce the right, proportional and efficient decisions. And the determination of financing for customers using the Analyticalcal Hierarchy Process (AHP) method in BRI Syariah Ujungberung KCP in general is in accordance with the values and principles of economics in Islam which includes openness, fairness, prudence and openness and various aspects related to with human interests by providing for order in life and well-being (maslahah). Keywords : Process, Analysis, Financing, and Islamic Banks.Penerapan metode AHP dalam upaya analisis dan manajemen risiko pembiayaan khususnya bagi program KURS di BRI Syariah diimplementasikan pada aplikasi sistem pengambilan keputusan yang dibangun dengan bahasa pemograman PHP dan menggunakan aplikasi database “MySql” yang diharapkan dapat membuat sistem yang dapat membantu pihak bank dalam menentukan penerima KURS secara online. Namun dalam pelaksanaan aplikasinya, prosesn analisa AHP di BRI Syariah ini bisa dikatakan selaras dengan maqashid syariah maupun ketentuan penyaluran pembiayaan sebagaimana yang diatur perundang-undangan yang berlaku. Berdasarkan permasalah tersebut, maka penulis menyusun rumusan masalah yang dituangkan ke dalam bentuk pertanyaan sebagai berikut : Bagaimana ketentuan ekonomi syariah tentang penetapan penyaluran pembiayaan bagi nasabah di bank syariah ? Bagaimana pelaksanaan analisis penentuan prioritas pemberian pembiayaan bagi nasabah dengan metode Analitycal Hierarchy Process (AHP) di BRI Syariah KCP Ujungberung ? Dan bagaimana analisis ekonomi syariah terhadap penetapan pemberian pembiayaan bagi nasabah dengan metode Analitycal Hierarchy Process (AHP) di BRI Syariah KCP Ujungberung ? Metode penelitian yang digunakan adalah metode penelitian deskriptif analisis yang bertujuan untuk mendeskripsikan mengenai penggunaan metode AHP dalam melakukan analisis pembiayaan bagi sektor UMKM pada program KURS di BRI Syariah KCP Ujungberung.  Simpulan dari penelitian ini adalah penetapan penyaluran pembiayaan bagi nasabah di bank syariah diimplementasikan ke dalam  penerapan prinsip kehati-hatian dengan menggunakan unsur standar 5C dan prinsip ekonomi Islam seperti prinsip keterbukaan, kejujuran dan keadilan. Pelaksanaan analisis pembiayaan dengan metode AHP di BRI Syariah KCP Ujungberung dilakukan secara sistematis dan mengkrucut sehingga menghasil keputusan yang tepat, proporsional dan efisien. Serta Penetapan pemberian pembiayaan bagi nasabah dengan metode Analitycal Hierarchy Process (AHP) di BRI Syariah KCP Ujungberung secara umum telah sesuai dengan nilai-nilai dan prinsip-prinsi pekonomi dalam Islam yang meliputi keterbukaan, keadilan, kehati-hatian dan keterbukaan serta berbagai aspek yang terkait dengan kepentingan manusia dengan menyediakan untuk ketertiban kehidupan dan kesejahteraan (maslahah).Kata kunci : Proses, Analisia, Pembiayaan, dan Bank Syariah.

2017 ◽  
Vol 1 (1) ◽  
pp. 61
Author(s):  
Rizaldi Rizaldi

Abstract - The role of telecommunications technology is very important, especially in changing people's lives. The development of technology in the field of communication and information can now be enjoyed by various layers of society, starting from the upper layer, middle layer or lower layer even though the results are not satisfactory. The research entitled "Decision Support System Determination of the best cellular card operator using the AHP method" aims to provide convenience for consumers who want to buy cellular cards from various telecommunications operators according to their needs and save on bags. (economical). The number of cellular card operators provided by telecommunications makes it difficult for consumers to make the right choice, according to the desired criteria. Determining cellular cards with the AHP method is the right method to overcome the problem of determining the best cellular card with many criteria offered by each operator. These criteria include the purchase price of cellular cards, rates, promos and active periods. Keywords - Cellular card operator, Decision support system, Analitycal Hierarchy Process.


2021 ◽  
Vol 8 (2) ◽  
pp. 187
Author(s):  
Akhmad Nurasikin

Although Indonesia is still facing formidable challenges due to the Covid-19 pandemic, the distribution of financing in the MSME sector and the micro segment continues to increase. "This shows that BSI continues to support the growth of MSMEs in the midst of the pandemic storm. Until June 2021, MSME financing at BSI was recorded at 36.82 trillion rupiah. Therefore, the authors are interested in conducting research with the title "Review of Islamic Economic Law Take Over Sharia Bank Microfinance". The purpose of this study is to analyze the TO process of microfinance in Islamic banks and its legal review. The research method used is descriptive analytical while the approach uses empirical juridical and data collection by literature study, interviews and observations. The results of the study stated the views of several scholars and sharia economists regarding the Qardh wal Murabahah contract used as a permissible contract, but in practice it must be subject to strict supervision. The Micro Financing Take Over process is guided by the DSN-MUI Fatwa Number: 31/DSN-MUI/VI/2002 concerning Debt Transfer (Alternative 1) and has become a positive law through Bank Indonesia Regulations (PBI). The legal consequence of this Qardh wal Murabahah contract is that the right of the first customer as a guarantee right holder is legally transferred to the new customer as stated in the Mortgage Certificate (SHT) and Fiduciary Guarantee Certificate.


2021 ◽  
Vol 15 (2) ◽  
pp. 186-203
Author(s):  
Mila Camelia ◽  
Budi Hartono

Mempertahankan suatu usaha bukanlah hal yang mudah ditengah persaingan yang ketat dan adanya permasalahan yang timbul akibat sesuatu yang tidak terduga seperti bencana alam yang sedang dihadapi hampir seluruh bidang usaha di dunia yaitu permasalah yang timbul akibat pandemi covid-19 yang menimpulkan adanya peraturan pemerintah dalam pembatasan sosial dan juga adanya penurunan daya beli masyarakat yang juga mempengaruhi pendapatan suatu usaha. Untuk menghadapi itu sangat penting bagi seorang wirausaha untuk menetapkan strategi yang tepat untuk mempertahankan usahnya. Objek dalam penelitian ini adalah BS Coffee Donuts yang mana cafe tersebut masih mampu bertahan dan menjalankan usaha ditengah pandemi covid-19 dan ketat persaingan terbukti dengan tidak pernah sepinya pengunjung yang melakukan pesanan dine-in maupun take away. Metode penelitian ini adalah analisis deskriptif. Populasi dalam penelitian ini adalah orang yang pernah mengkonsumsi produk BS Coffee Donuts dan bersedia untuk mengisi kuisioner yang disebarkan oleh peneliti. Penentuan sample pada penelitian ini didasarkan pada dua kriteria yaitu orang yang pernah membeli produk BS Coffee Donuts yang berjumlah 41 orang. Hasil penelitian ini menyatakan bahwa variabel citra merek dan promosi merupakan faktor yang mempengaruhi keputusan pembelian konsumen BS Coffee Donuts. Maintaining a business is not easy in the midst of intense competition and there are problems that arise due to something unexpected such as natural disasters that are being faced by almost all business fields in the world, namely problems that arise due to the covid-19 pandemic which has led to government regulations in social restrictions. and also a decrease in people's purchasing power which also affects the income of a business. To deal with it, it is very important for an entrepreneur to set the right strategy to maintain his business. The object in this research is BS Coffee Donuts, where the cafe is still able to survive and run a business in the midst of the covid-19 pandemic and tight competition as evidenced by the never empty visitors who order dine-in and take away. This research method is descriptive analysis. The population in this study were people who had consumed BS Coffee Donuts products and were willing to fill out the questionnaire distributed by the researcher. Determination of the sample in this study is based on two criteria, namely people who have bought BS Coffee Donuts products, amounting to 41 people. The results of this study indicate that brand image and promotion variables are factors that influence consumer purchasing decisions for BS Coffee Donuts.


2021 ◽  
Vol 5 (3) ◽  
pp. 224-231
Author(s):  
Aulia Asman ◽  
Auzia Asman ◽  
Anita Kusuma Dewi

Traveling during the Covid-19 pandemic to reduce boredom or stress due to staying at home, must continue to apply health protocols. However, there are still many people who are indifferent to these rules, causing community nurses to have a role and have the right strategy so that there will no longer be an increase in the positive number of Covid-19. This study aims to find out the right strategy carried out by community nurses for families doing tourism in order to continue to apply health protocols during the Covid-19 pandemic. This type of quantitative descriptive research is carried out through interviews and filling out questionnaires to expert respondents. The results of the questionnaire showing strategic priorities, paired comparisons were carried out which were analyzed using the Analytical Hierarchy Process (AHP) method. The results of the study, which was preceded by the determination of three indicators consisting of a health, family and tourism protocol, resulted in 7 alternative strategies. Of the seven alternatives, there are three strategic priorities in a row which consist of providing communication, information and education (KIE) media regarding the prevention and control of Covid-19 in strategic locations in every tourist spot.


2019 ◽  
Vol 7 (1) ◽  
pp. 9-20
Author(s):  
Inna Yeung

Choice of profession is a social phenomenon that every person has to face in life. Numerous studies convince us that not only the well-being of a person depends on the chosen work, but also his attitude to himself and life in general, therefore, the right and timely professional choice is very important. Research about factors of career self-determination of students of higher education institutions in Ukraine shows that self-determination is an important factor in the socialization of young person, and the factors that determine students' career choices become an actual problem of nowadays. The present study involved full-time and part-time students of Institute of Philology and Mass Communications of Open International University of Human Development "Ukraine" in order to examine the factors of career self-determination of students of higher education institutions (N=189). Diagnostic factors of career self-determination of students studying in the third and fourth year were carried out using the author's questionnaire. Processing of obtained data was carried out using the Excel 2010 program; factorial and comparative analysis were applied. Results of the study showed that initial stage of career self-determination falls down on the third and fourth studying year at the university, when an image of future career and career orientations begin to form. At the same time, the content of career self-determination in this period is contradictory and uncertain, therefore, the implementation of pedagogical support of this process among students is effective.


2017 ◽  
Vol 9 (1) ◽  
Author(s):  
Imam Setiadi ◽  
Dinda Rita K. Hartaja

Selection of the appropriate composition desalination units can be done with a variety of method approaches, one of the method is the Analytic Hierarchy Process. In determining the desalination unit with AHP method to consider is setting a goal, an alternative criteria and pairwise comparison. Research for the determination of the exact composition of the desalination unit in order to achieve sustainable drinking water suppy in coastal areas and small islands has been conducted. The results of the study are as follows, the energy demand of 50.83%, operator costs of 26.64%, maintenance costs of 14.13% and chemical requirement 8.4%. For an alternative composition desalination unit of RO 10 m3 / day is the best alternative composition with value of 59.61%, the composition of the next alternative is RO 20 m3/ day of 30.40% and the last alternative of the desalination unit composition is RO 120 m3/ day of 09.99%.Key words : Desalination, Mukti Stage Flash Composition, AHP


2020 ◽  
Vol 4 (2) ◽  
Author(s):  
Aditya Subur Purwana ◽  
Wahyu Hidayat ◽  
Mursal Maulana

Submission of Certificate of Origin (e-Form D) is conducted through a three-layer system named ASW Gateway, LNSW, and CEISA has raised issues related to the period/time of receipt of e-Form D given by customs authorities for the purposes of charging preferential tariffs in the ATIGA scheme. This article aims to analyze the legal certainty in submitting e-Form D to the customs authorities in the importing country, in this case, the Directorate General of Customs and Excise for the purpose of charging preferential tariffs, so that it can be in line with the presentation principle based on the ATIGA OCP and Indonesian domestic legal provisions. The research method used is a normative juridical approach with descriptive analysis and normative qualitative to draw conclusions. Based on the research, it was concluded that with regard to the submission of e-Form D, Customs and Excise Officials must have confidence based on factual evidence to determine whether the principle of submission of e-Form D has been accomplished or refused when an interruption in the ASW Gateway, LNSW or CEISA happened so the Customs Officer and Excise can determine tariffs based on OCP as well as domestic law in force in Indonesia.Keywords: ATIGA, Customs Authority, Directorate General of Customs and Excise, e-Form D, Tariffs Preference.ABSTRAK: Penyerahan SKA e-Form D dilakukan melalui tiga layer system yakni ASW Gateway, LNSW, dan CEISA memunculkan permasalahan terkait dengan jangka waktu/saat diterimanya e-Form D oleh otoritas kepabeanan untuk kepentingan pengenaan tarif preferensi dalam skema ATIGA. Penelitian bertujuan menganalisis kepastian hukum dalam penyerahan e-Form D ke otoritas kepabeanan di negara importir, dalam hal ini Direktorat Jenderal Bea dan Cukai untuk kepentingan pengenaan tarif preferensi, sehingga dapat sejalan dengan prinsip presentasi berdasarkan OCP ATIGA dan ketentuan hukum domestik Indonesia. Metode penelitian dilakukan dengan pendekatan yuridis normatif secara deskriptif analisis dan penarikan kesimpulan secara normatif kualitatif. Berdasarkan penelitian, disimpulkan bahwa berkenaan dengan penyerahan e-Form D, Pejabat Bea dan Cukai harus memiliki keyakinan berdasarkan bukti faktual untuk menentukan apakah prinsip penyerahan e-Form D sudah dipenuhi/tidak ketika terjadi gangguan pada ASW Gateway, LNSW atau CEISA sehingga Pejabat Bea dan Cukai dapat menentukan tarif berdasarkan OCP maupun hukum domestik yang berlaku di Indonesia. Kata Kunci: ATIGA, Direktorat Jenderal Bea dan Cukai, e-Form D, Otoritas Kepabeanan, Tarif Preferensi. 


2021 ◽  
Vol 12 (1) ◽  
pp. 77-90
Author(s):  
Loneli Costaner ◽  
Guntoro Guntoro ◽  
Febrizal Alfarasy

Sekolah khoiru ummah merupakan salah satu lembaga yang selalu berhubungan dengan tenaga pendidik sebagai aktor pertama dan tenaga kependidikan sebagai support organisasi. Permasalahan terjadi ketika harus menyeleksi calon tenaga pendidik, dimana banyaknya pelamar membuat proses penyeleksian dalam menentukan alternatif  terbaik yang dilakukan masih dengan cara menimbang setiap skor secara manual diatas kertas. Kondisi tersebut terjadi kendala sulitnya untuk memutuskan calon tenaga pendidik yang sesuai kebutuhan dikarenakan harus menimbang dengan prasaan, kemudian proses keputusan juga masih lambat karena harus bermusyarawah yang cukup panjang dari personalia, kepala sekolah hingga yayasan demi konsistensi keputusan tepat untuk dipilih. Dengan demikian persoalan ini dibutuhkan suatu solusi proses keputusan yang relevan dan cepat dengan analisis metode Analytical hierarchy  process (AHP) dengan kriteria kelengkapan adminitrasi pelamar, ujian tertulis, penilaian personality, wawancara dan micro teaching. Sedangkan sampel data alternatif ada tiga pelamar yang akan dianalisis dengan metode  AHP. Data nilai awal masukan didapatkan melalui quisioner perbandingan yang dinilai oleh personalia, kepala sekolah dan Yayasan dengan konsistensi kriteria 0.08 dimana nilai ini falid karena sesuai dengan kaedah konsistensi standar Thomas l.Saaty yaitu konsisten nilai < 0.1. Pengujian ini dilakukan dengan langkah perhitungan consisten indek dan index random yang terdapat pada tahapan AHP kepada nilai masukan nilai tabel matrik perbandingan dari data alternatif. Hasil pengujian dengan nilai konsistensi seluruh data baik kriteria dan alternatif mendapatkan keputusan tebaik  rekomendasi dengan nilai tertinggi didapatkan oleh Husen ahmad dengan nilai 0.729, kedua Sikin al hafidz dengan nilai 0.163 dan Sulaiman akhbar dengan nilai 0.109.   Abstract  The khoiru ummah school is one of the institutions that is always in touch with educators as the first actors and educational staff as organizational support. The problem occurs when it comes to selecting prospective teaching staff, where many applicants make a selection process in determining the best alternative which is still done by weighing each score manually on paper. In this condition, there is an obstacle in the difficulty of deciding the candidate for educators who are suitable for their needs because they have to weigh carefully, then the decision process is also still slow because they have to have a long discussion from personnel, principals to foundations for consistency in the right decision to be chosen. Thus, this problem requires a solution for the decision process that is relevant and fast by analyzing the Analytical Hierarchy Process (AHP) method with the criteria for completeness of applicant administration, written examinations, personality assessments, interviews and micro teaching. Meanwhile, the sample of alternative data were three applicants who were analyzed using the AHP method. Initial input value data were obtained through comparative questionnaires assessed by personnel, principals and foundations with the consistency of the criterion of 0.08 where this value was falid because it was in accordance with Thomas L.aaty's standard consistency principle, which was consistent with a value of <0.1. This test is carried out by calculating the consisten index and random index contained in the AHP stage to the input values ​​of the comparison matrix table values ​​from alternative data. The results of the test with the consistency value of all data, both criteria and alternatives, get the best recommendation with the highest value obtained by Husen Ahmad with a value of 0.729, both Sikin al Hafidz with a value of 0.163 and Sulaiman akhbar with a value of 0.109.


Author(s):  
Muhamad Sayuti Hassan ◽  
Rohaida Nordin

The main objective of this article is to critically evaluate the compatibility of the ‘right to political participation’ of the Orang Asli by looking at international law standards. The present study utilises a qualitative socio-legal approach, which analyses the political participation of the Orang Asli under Malaysian law and determines whether the Aboriginal Peoples Act 1954 (apa) can provide for the protection, well-being, and the advancement of the Orang Asli. Arguably, the existing provisions of the apa are not in conformity with the recognition in undrip and in no way guarantee the Orang Asli’s right to self-determination as recognised by international law. Thus, the current study recommends an amendment to the apa and introduces guidelines to empower political participation of the Orang Asli by incorporating the principles of undrip. The amendment is necessary to ensure that the protection of the right to self-determination of the Orang Asli is compatible with international law standards.


2021 ◽  
Vol 5 (2) ◽  
pp. 342
Author(s):  
Ida Kurnia

Indonesia is bordered by 10 countries, one of which is Palau. Indonesia has the right to the living natural resources in EEZ. As for the width of the EEZ a country can claim up to 200 miles. If the EEZ overlaps with other countries, one of which is Indonesia and Palau, namely using the principle of justice and followed up by making an agreement on the boundaries jurisdiction area. The goal is to have arrangements in use that are believed to be able to maintain the sustainability of living resources based on an agreement. The results show that the clarity of Indonesia's maritime boundaries has an impact on the use of its natural resources. The clarity of maritime boundaries provides the welfare of the Indonesian people, so it can be concluded that the determination of maritime boundaries between Indonesia and Palau will be sought immediately by referring to regulations and success in practices that have been carried out by Indonesia. While the determination of territorial boundaries has not reached an agreement or agreement that is final in nature, both Indonesia and Palau are obliged to follow dispute resolution procedures, according to Chapter XV UNCLOS 1982. UNCLOS 1982 also provides favorable arrangements for the parties concerned, namely during the waiting period / effort. in reaching the final arrangement, especially the regulation of biological resources in the border area, the biological resources can be utilized by implementing temporary arrangements. The research method used is the normative method by examining the related rules. Negara Indonesia berbatasan dengan 10 negara, salah satunya dengan Palau. Perbatasan maritim di ZEE Indonesia, Indonesia mempunyai hak atas sumber daya alam hayati yang terdapat di dalamnya. Adapun lebar ZEE suatu negara dapat mengklaim sampai 200 mil. Namun apabila wilayah yurisdiksi dalam hal ini ZEE tumpang tindih dengan negara lain, salah satunya Indonesia dengan Palau, maka harus dibagi sesuai ketentuan yang diatur dalam UNCLOS 1982, yaitu menggunakan prinsip keadilan dan ditindaklanjuti dengan membuat perjanjian tentang batas wilayah yurisdiksi. Tujuannya adalah adanya pengaturan dalam pemanfaatan yang diyakini dapat menjaga keberlanjutan sumber daya hayati yang didasarkan pada perjanjian. Hasil penelitian menunjukkan kejelasan batas wilayah maritim Indonesia berimbas pada pemanfaatan sumber daya alamnya. Kejelasan batas maritim memberikan kesejahteraan rakyat Indonesia, maka dapat disimpulkan penetapan batas maritim antara Indonesia dengan Palau segera diupayakan dengan mengacu pada peraturan dan keberhasilan dalam praktik-praktik yang telah dilakukan oleh Indonesia.  Sementara penentuan batas wilayah belum tercapai kata sepakat atau perjanjian yang sifatnya final, baik Indonesia maupun Palau, wajib mengikuti prosedur penyelesaian sengketa, sesuai Bab XV UNCLOS 1982. UNCLOS 1982 juga memberikan pengaturan yang menguntungkan bagi pihak-pihak terkait, yaitu dalam masa tunggu/upaya dalam mencapai pengaturan final, terutama pengaturan sumber daya hayati di wilayah perbatasan tersebut, maka sumber daya hayati dapat dimanfaatkan dengan dilakukan pengaturan sementara. Metode penelitian yang digunakan adalah metode normatif dengan mengkaji aturan-aturan yang terkait.


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