scholarly journals Praktik Murabahah pada Perbankan Syariah di Kendari

Al-Ulum ◽  
2017 ◽  
Vol 17 (1) ◽  
Author(s):  
Ummi Kalsum
Keyword(s):  
Qualitative Research ◽  
Islamic Banking ◽  
Interview Technique ◽  
The Law ◽  
Muslim Scholars

This study aims to determine the murabahah financing practices in Islamic banking with a case study in Kendari Branch BMI. This research employs the qualitative research and descriptive explorative research by implementing interview technique, observation and documentation. The collected data then processed and analysed by step reduction, presentation and conclusion. The approach used in this research is normative juridical. The results show that the determination of the law murabahah based on Muslim scholars judgement (ijma�) because Muslims have been practicing since the first trading murabahah. Murabahah must not conflict with sharia and regulated in Law No.21 of 2008 concerning Islamic Banking and fatwas DSN-MUI related to murabahah. While based on the results of research in the field of murabahah financing practiced in Kendari Branch BMI is generally in accordance with the provisions set forth by Law No.21 of 2008 concerning Islamic Banking and DSN MUI fatwas both in terms of the parties, the contract murabahah contract pillars, steps murabaha applicable on Islamic banking in Indonesia and some provisions relating to the financing murabaha.

scholarly journals Experiences of pre-school children and their teachers regarding class rules and behavior management: A case study

2020 ◽  
Vol 10 (3) ◽  
pp. 725-766
Author(s):  
Cansu Yıldız ◽  
Nevra Atış Akyol ◽  
Selda Ata Doğan ◽  
Berrin Akman
Keyword(s):  
Qualitative Research ◽  
Content Analysis ◽  
Research Methods ◽  
School Children ◽  
Behavior Management ◽  
Structured Interview ◽  
Interview Technique ◽  
Preschool Class ◽  
And Behavior

The aim of the study is to determine experiences of children attending a preschool class and their teacher about class rules, desirable and undesirable behaviors and strategies followed by the teacher concerning these behaviors. The study is a case study, which is one of the qualitative research methods. The participants were 14 children attending a class for 5 year-olds in an independent kindergarten and the teacher of the class. Semi-structured interview technique was used in the study. In addition, in two of the questions in the interview, the students were asked to draw pictures to help them describe their experiences in more detail. The data in the study were analyzed by content analysis, categorized by coding, and themes and sub-themes were obtained. As a result of the research, it was found that the opinions of the children and their teachers about class rules and undesirable behaviors were in parallel with each other. The study revealed that the experiences of children and the teacher overlap in terms of behaviors and strategies followed by the teacher in response to desirable behaviors. However, it was found that the experiences of children and their teacher differ with regards to the way class rules are determined, and behaviors and strategies followed by the teacher concerning undesirable behaviors.

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

2018 ◽  
Vol 2 (4) ◽  
pp. 520-530
Author(s):  
Amalia Raafiah
Keyword(s):  
Job Satisfaction ◽  
Qualitative Research ◽  
Comparative Method ◽  
Individual Factors ◽  
Structural Factors ◽  
Interview Technique ◽  
Depth Interview ◽  
Constant Comparative Method ◽  
Interview Guide

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

scholarly journals Analisis Pendapatan Murabahah

2021 ◽  
Vol 1 (1) ◽  
pp. 2-11
Author(s):  
Daud Abdul Kholik ◽  
Azmi Assidiqi
Keyword(s):  
Qualitative Research ◽  
Case Study Approach ◽  
Total Income ◽  
Average Income ◽  
Study Approach ◽  
The Social ◽  
Income Development ◽  
Deposit Contracts

This study aims to determine the level of development of murabahah margin income and determine the determination of murabahah financing margins at BMT Tamzis Cimahi Branch. In this study the authors conducted research using descriptive qualitative research methods with a case study approach, namely research conducted in depth about aspects of the social environment including humans in it, either individually, in groups, or in the environment around BMT Tamzis Cimahi branch. The conclusion that can be drawn from this study is that the factors in determining the murabahah margin are based on the ceiling value and financing period and are analyzed using th e 5C + 1S analysis principle including character, capacity, capital, condition, collateral, and sharia and the level of income development in BMT. Tamzis Cimahi branch experienced ups and downs from year to year where it can be seen from 2012 to 2016 the average income was Rp.262,183,200 with a total income of Rp.1,310,916,000 with details in 2013 it decreased by Rp.19,026,000 and decreased again. in 2014 with a total decrease of IDR 184,655,000. however, in 2015 the murabahah contract at BMT Tamzis increased again by Rp. 117,193,000 and in 2016 it increased again from the previous year of Rp. 70,409,000. The determination of the murabahah financing margin at BMT Tamzis undergoes several stages including starting with fundraising, deposit contracts, BMT, financing products, goods and then setting margins to generate income for BMT and 'attayya.

Approximation from the Humanist Administration in a Case Study of Hotels in Villa De Leyva, Boyacá

2020 ◽  
Vol 11 (2) ◽  
pp. 366
Author(s):  
Carlos Arturo TÉLLEZ-BEDOYA ◽  
Dustin Tahisin GÓMEZ-RODRÍGUEZ ◽  
Camilo Andres RAMOS-PINEDA ◽  
Edgar Andrés BERNAL-RODRÍGUEZ
Keyword(s):  
Qualitative Research ◽  
Business Management ◽  
Descriptive Study ◽  
Management Styles ◽  
Interview Technique ◽  
Depth Interview ◽  
The Social ◽  
The Stability ◽  
Probabilistic Sample

Purpose: To learn about the interpretations that the internal actors of the hotels in Villa de Leyva have about business management, in the context of the humanist administration. Design: Based on qualitative research, a descriptive study was addressed. Methodology: The method used was the case study applied to a non-probabilistic sample of three organizations in order to get an approximation of the social reality and in this way, identify the management styles that are developed in the hotels of the municipality of  Villa de Leyva, Boyacá . In this context, the information was collected through in-depth interview technique. Findings: It was evidenced that, most of Villa de Leyva hotels develop practices that are far from the humanist administration, this is why, it would have greater relevance to apply this type of postulates to improve the competitiveness and projection of this type of organizations, as well as, the stability and happiness of employees. Originality of the research: This research is a pioneer in the Boyacá region. The results show perceptions in the context of these hotels about the humanist administration, which, unfortunately, is not always taken into account.

scholarly journals Pengikatan Jaminan Kebendaan dalam Kontrak Pembiayaan Muḍārabah sebagai Upaya Penyelesaian Sengketa Debitur Wanprestasi (Analisis Putusan Mahkamah Agung Nomor 272/K/AG/2015 tentang Pembiayaan Mudharabah)

2020 ◽  
Vol 14 (1) ◽  
pp. 51-67
Author(s):  
Mhd. Yadi Harahap
Keyword(s):  
Research Method ◽  
Research Question ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Case Study Approach ◽  
Study Approach ◽  
The Law

The imposition of collateral in muḍārabah financing contracts is a separate issue for Islamic banks even though in principle Islamic banks are not required to ask for collateral, but in practice, collateral is one of the elements that must be met by business actors in muḍārabah financing contracts. When the collateral is not applied, problems often arise in the case of debtor default. The problem in this study is whether the imposition of collateral can be used as an effort to resolve debtor disputes in muḍārabah financing contracts. To answer the research question, the method used is a normative juridical research method where the law is not only seen as law in books but also the law in action with the statutory approach and case study approach, namely the decision of the Mahkamah Agung. The results of the study presented that binding guarantees in muḍārabah financing contracts can be used as anticipation to minimize the risk of loss based on article 39 of Law no. 21 of 2008 concerning Islamic Banking. When the business actor defaults, neglects, and breaches the contract in muḍārabah financing, the guarantee can be used as an effort to mitigate the settlement of muḍārabah financing disputes to pay off obligations to Islamic banks.

scholarly journals PERGULATAN HUKUM DAN POLITIK DALAM LEGISLASI UU NO. 21 TAHUN 2008 TENTANG PERBANKAN SYARI’AH

Al-Ahkam ◽  
2013 ◽  
Vol 23 (1) ◽  
pp. 57
Author(s):  
Abdul Ghofur
Keyword(s):  
Islamic Law ◽  
Political Power ◽  
Historical Background ◽  
Islamic Banking ◽  
State Law ◽  
Indonesian Government ◽  
The Future ◽  
The Law ◽  
Political Configuration

This study intends to analyze the historical background of the enactment of Law No. 21 of 2008 concerning Islamic Banking in the perspective of relationship between law and political power. This study are considered attractive in the context of Indonesia as a state law that the majority of the population is Muslim, which is ethically Islamic law becomes an important part in the law development. Politically, the Indonesian government also has a historical background of the harmonious relationship with the Islamic forces. Determination of law No. 21 of 2008 concerning Sharia banking is not free from the constellation and political configurations that occured at that time. However, despite decorated by strict political configuration, the determination of this statue has a accountability of its juridical basis, sociological, and philosophical. Determination This law proves that Islamic law has become one of the sources of national law and has the opportunity to contribute to the development of national laws optimally in the future.

scholarly journals AKUNTABILITAS DAN KAPABILITAS BANK SYARIAH (STUDI PADA BANK SYARIAH “X” CABANG MALANG)

2013 ◽  
Vol 2 (1) ◽  
Author(s):  
Ahmad Fahrudin A
Keyword(s):  
Qualitative Research ◽  
Case Study Research ◽  
Business Development ◽  
Economic Life ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Study Research ◽  
Business Support

<p>The dynamics of development of Islamic banking in the working area KBI Malang is encouraging its development in which the Islamic banks NPL rate tends to increase significantly. In this institution within a period of nearly two years alone have been able to make an investment of about 13 M. with clients (depositors) of about 1300 people and 250 customers (users). This is the kind of qualitative research that uses a case study, the approach aims to maintain the integrity of the object and also with verifikatif approach. Verifikatif approach is intended to minimize the possibility of low reliability is often the case in case study research, in order to explain: first: accountability factors in the management of Islamic banks and funds processing, collection and utilization of capital funds, second: factors capabilities of Islamic banks in improving the quality and quantity of social and economic life of society. The results showed that: Factors that support the assessment of accountability in the management of Islamic banks and funds processing, collection and utilization of capital funds is reviewed from the aspect of increased cash liquidity ratio of 15.06% in 2005 rose to 18.12% in 2006 so it has good title, while LDR 44.12%, still well in the predicate. ROA profitability aspects seem to have decreased between 2005 to 2006, where in 2005 while the ROA of 1.99% in 2006 to 0.77%, to BOPO increase from the year 2005 amounted to 84.75% in 2006 amounting to 95.01%, for capital aspects of healthy and performing said, because the CAR above 10% which in 2005 grew 16.94% to 19.07%. Factors that support the capability of Islamic banks in improving the quality and quantity of social and economic life of society is: cooperation financing, business development and service cooperation, and cooperation through SME business support reached 42% this year.</p> <p> </p> <p> </p>

scholarly journals AL-MASHAQQAH TAJLIB AL-TAYSIR MAKNA DAN IMPLIKASINYA DALAM PENGEMBANGAN EKONOMI ISLAM

2018 ◽  
Vol 3 (1) ◽  
pp. 11-21
Author(s):  
M. Dliyaul Muflihin
Keyword(s):  
Financial Institutions ◽  
Islamic Law ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Equal Distribution ◽  
The Public ◽  
Islamic Financial Institutions ◽  
The Law

The problem of Islamic economics is also increasingly complex with the large number of banks. To meet the needs of transactions, banks have products that are offered to the public. In accordance with the function of the bank, namely collecting and distributing funds to the public. The purpose of channeling funds by Islamic banks is to support the implementation of development, improve justice, togetherness and equal distribution of people's welfare. This paper will answer what is the meaning of al-mashaqqah tajlib al-taysir and how do the Implications of al-mashaqqah tajlib al-taysir in the development of Islamic economy? The result of research shows that the meaning of the rule of al-mashaqqah tajlib al-taysir is the difficulty of bringing convenience. The point is that if implementing a provision of shara' mukallaf faces obstacles in the form of difficulties and limitations that exceed the limits of reasonable capabilities, then the difficulty automatically creates relief provisions. In other words, if we find difficulty in carrying out something that is to be sharia, then the difficulty becomes a justifiable cause to facilitate in carrying out something that is to be provision of sharia, so that we can continue to run the sharia of Allah easily. The implications raised by the rules of al-mashaqqah tajlib al-taysir are the determination of the law of Islamic financial institutions. This impact is seen when Islamic law allows transactions in Islamic banking financial institutions, so that the community will easily meet the needs by transacting with Islamic banking through contracts that have been agreed upon.

scholarly journals SISTEM PERADILAN ISLAM

2019 ◽  
Vol 5 (1) ◽  
pp. 90-103
Author(s):  
Hendra Gunawan
Keyword(s):  
Banking System ◽  
Islamic Banking ◽  
The People ◽  
Administration Of Justice ◽  
The Will ◽  
The Law

Today, Islam is not sufficiently known as iqtisad (the Islamic banking system) which is now quite the belle of this beloved pancasila earth, but along with that Islam is also known as the administration of justice and its ability to protect people's rights which is then called the sharia court. The person most responsible for implementing this Islamic court is the caliph and qadhi (judge). The Caliph carries out Islamic laws and applies them to all the people while the judge takes Islamic decisions based on the Qur'an and the Sunnah. Because in the teachings of Islam do not submit the determination of justice to the will on the basis of human taste but the authority to make the law is only Allah SWT, the Creator of man and the All-Knowing about the human self

scholarly journals Family law reform in Indonesia according to the Maqashid al-shari’a perspective (A case study of Law no. 16 of 2019)

2021 ◽  
Vol 7 (2) ◽  
pp. 183
Author(s):  
Yuni Roslaili ◽  
Aisyah Idris ◽  
Emi Suhemi
Keyword(s):  
Review Process ◽  
Family Law ◽  
Law Reform ◽  
Constitutional Court ◽  
Library Research ◽  
Minimum Age ◽  
Age Limit ◽  
The Law

This research discusses family law reform in Indonesia in relation to the Law No. 16 of 2019 concerning the minimum age for child marriage. The study has been conducted using Maqashid al-syariah perspective in order to analyze first, the formulation of family law reform in Indonesia related to No. 16 of 2019, and second, the perspective of maqasid al-syariah in the law. The primary resource in this library research was Law No. 16 of 2019, and Marriage Law No. 1 of 1974. The results of the study found that family law reform regarding the age limit for marriage in Indonesia began with the existence of the judicial review process to the Constitutional Court regarding Law No.1 of 1974, more specifically Article 7 paragraph (1) which was perceived as contradictory to the 1945 Constitution Article 27 paragraph (1). This paper also proved that the determination of the age limit for marriage in Law No. 16 of 2019 is in accordance with the purpose of marriage and the objectives of sharia in general. In a nutshell, it can be concluded that there has been a reform of family law in Indonesia which can be seen from the aspect of the law regarding the age limit for marriage from nine years in the fiqh literature version to nineteen years in the version of Law No. 16 of 2019. In addition, Law no. 16 of 2019 also equates the minimum age for marriage between boys and girls, which is nineteen years, although classical fiqh literature distinguishes it.

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