scholarly journals Implementation Of ‘Mudharabah’ Contracts And Their Impacts On Fund-Raising Products In Jambi Sharia Banking

2021 ◽  
Vol 21 (2) ◽  
pp. 146-153
Author(s):  
Bahrul Ma'ani ◽  
Supyani - ◽  
Almusrijah Aini ◽  
Indah Maulinda

Funds with the ‘mudharabah’ principle are investment funds so that Islamic banks share the proceeds only to the owners of funds that use the ‘mudharabah’ principle. The collection of funds is applied to savings and deposit products that use ‘mudharabah’ contracts. The amount of income received by the owner of the ‘mudharabah’ fund is part of the income received in cash from the distribution of funds by Islamic banks. Therefore, the funds collected with the ‘mudharabah’ principle are one of the elements in calculating profit sharing. The problem raised in the research is how to implement the ‘mudharabah’ contract and its impact on fund-raising products in Islamic banking. Two main things affect the quality or results of research: the quality of research instruments and the quality of data collection. The quality of research instruments relates to the validity and reliability of the instruments and the quality of data collection regarding the accuracy of the methods used to collect data. Therefore, an instrument tested for validity and reliability may not necessarily produce valid and reliable data if the instrument is not appropriately used in collecting data. The type of research was the quantitative technique used through interviews, observations, and documentation. In analyzing the data obtained, the authors used descriptive techniques. The results showed that applying ‘mudharabah’ contracts to fund-raising products at Islamic banks is only applied to savings and deposit products, and the advantages of products that use ‘mudharabah’ contracts are basically to make it easier for customers to transact. These products can be used as financing guarantees. There are supporting and inhibiting factors in the products that use ‘mudharabah’ contracts. These supporting factors include the existence of Islamic sharia principles, which are used as a reference for implementing a profit-sharing system on all products, especially savings and deposit products, and the existence of infrastructure facilities within the company that are pretty complete. Meanwhile, the inhibiting factors include the lack of socialization regarding Islamic banks' existence. Abstrak: Dana dengan prinsip 'mudharabah' adalah dana investasi sehingga bank syariah membagi hasil hanya kepada pemilik dana yang menggunakan prinsip 'mudharabah'. Penghimpunan dana diterapkan pada tabungan dan deposito dengan akad mudharabah. Besarnya pendapatan yang diterima oleh pemilik dana mudharabah merupakan bagian dari pendapatan yang diterima secara tunai dari penyaluran dana oleh bank syariah. Oleh karena itu, dana yang dihimpun dengan prinsip 'mudharabah' menjadi salah satu unsur dalam menghitung bagi hasil. Masalah yang diangkat dalam penelitian ini adalah bagaimana penerapan akad mudharabah dan dampaknya terhadap penghimpunan dana di perbankan syariah. Dua hal utama yang mempengaruhi kualitas atau hasil penelitian: kualitas instrumen penelitian dan kualitas pengumpulan data. Kualitas instrumen penelitian berkaitan dengan validitas dan reliabilitas instrumen serta kualitas pengumpulan data mengenai ketepatan metode yang digunakan untuk mengumpulkan data. Jenis penelitian yang digunakan adalah teknik kuantitatif melalui wawancara, observasi, dan dokumentasi. Dalam menganalisis data yang diperoleh, penulis menggunakan teknik deskriptif. Hasil penelitian menunjukkan bahwa penerapan akad mudharabah pada produk penghimpunan dana di bank syariah hanya berlaku pada produk tabungan dan deposito, dan keunggulan produk yang menggunakan akad mudharabah pada dasarnya adalah untuk memudahkan nasabah dalam bertransaksi. Produk-produk ini dapat digunakan sebagai jaminan pembiayaan. Ada faktor pendukung dan penghambat dalam produk yang menggunakan akad mudharabah. Faktor pendukung tersebut antara lain adanya prinsip syariah Islam yang dijadikan acuan penerapan sistem bagi hasil pada semua produk khususnya produk tabungan dan deposito, serta adanya sarana prasarana di dalam perusahaan yang cukup lengkap. Sedangkan faktor penghambatnya antara lain kurangnya sosialisasi tentang keberadaan bank syariah. Kata-kata kunci: mudharabah, implementasi, dampak, produk penghimpunan dana, perbankan syariah.

2020 ◽  
Vol 10 (1) ◽  
pp. 1-16
Author(s):  
Isaac Nyabisa Oteyo ◽  
Mary Esther Muyoka Toili

AbstractResearchers in bio-sciences are increasingly harnessing technology to improve processes that were traditionally pegged on pen-and-paper and highly manual. The pen-and-paper approach is used mainly to record and capture data from experiment sites. This method is typically slow and prone to errors. Also, bio-science research activities are often undertaken in remote and distributed locations. Timeliness and quality of data collected are essential. The manual method is slow to collect quality data and relay it in a timely manner. Capturing data manually and relaying it in real time is a daunting task. The data collected has to be associated to respective specimens (objects or plants). In this paper, we seek to improve specimen labelling and data collection guided by the following questions; (1) How can data collection in bio-science research be improved? (2) How can specimen labelling be improved in bio-science research activities? We present WebLog, an application that we prototyped to aid researchers generate specimen labels and collect data from experiment sites. We use the application to convert the object (specimen) identifiers into quick response (QR) codes and use them to label the specimens. Once a specimen label is successfully scanned, the application automatically invokes the data entry form. The collected data is immediately sent to the server in electronic form for analysis.


2018 ◽  
Vol 10 (1) ◽  
pp. 95
Author(s):  
Ivony Tresia

Thisdstudy originated from the resultsiofiprevious studies where there were problems regarding the process of managing the procurement of perishable goods that did not have written procedures, the quality requirements of the material written and standardized in the hotel. To continue the problem where there are still problems related to food quality at breakfast at The Aliga Hotel Padang. This study aims to analyze food quality at breakfast at The Aliga Hotel Padang. This type of studyiisiquantitativepdescriptive. The population in this study were guests who stayed and breakfast at The Aliga Hotel Padang. The sampling technique used is purposive sampling. The totaliofisamplesiin this study amounted to 91 people. Data collection techniques were carried out by distributing questionnaires (questionnaires) using the Liker scale that has been tested for validity and reliability. Thenitheidata wereianalysisithrough data tabulation and descriptive data using percentages. Based on the research that has been done, the results obtained that the quality of food at breakfast at The Aliga Hotel Padang is in the category of enough with a percentage of 45.05%. It is recommended for other researchers to continue research on the quantity of food. Keywords: Food Quality, Breakfast


Author(s):  
Paulo Hayashi ◽  
Gustavo Abib ◽  
Norberto Hoppen

Validity and reliability of research and its results are important elements to provide evidence of the quality of research in the organizational field. However, validity is better evidenced in quantitative studies than in qualitative research studies. As there is diversity within qualitative research methods and techniques, there is no universally accepted criteria to assess validity in qualitative studies; its usefulness is also questioned. Therefore, in this paper, we argue that qualitative research should adopt a processual view approach of validity since it should not be the product of a single test or just one step in the research. Processual validity both supports good research and helps in its reflection and guidance. To illustrate our approach, we present the processual approach adopted by one of the coauthors during the development of a research project. We highlight the validity assurance activities for both ex ante and ex post research, peer review and participation in an international conference, which corroborated the quality of the processual approach and the results that were obtained.


2019 ◽  
Vol 28 (3) ◽  
pp. 209-217 ◽  
Author(s):  
Lai Ma ◽  
Michael Ladisch

Abstract Evaluative metrics have been used for research assessment in most universities and funding agencies with the assumption that more publications and higher citation counts imply increased productivity and better quality of research. This study investigates the understanding and perceptions of metrics, as well as the influences and implications of the use of evaluative metrics on research practices, including choice of research topics and publication channels, citation behavior, and scholarly communication in Irish universities. Semi-structured, in-depth interviews were conducted with researchers from the humanities, the social sciences, and the sciences in various career stages. Our findings show that there are conflicting attitudes toward evaluative metrics in principle and in practice. The phenomenon is explained by two concepts: evaluation complacency and evaluation inertia. We conclude that evaluative metrics should not be standardized and institutionalized without a thorough examination of their validity and reliability and without having their influences on academic life, research practices, and knowledge production investigated. We also suggest that an open and public discourse should be supported for the discussion of evaluative metrics in the academic community.


2000 ◽  
Vol 12 (1) ◽  
pp. 57-72 ◽  
Author(s):  
Hannie C. Comijs ◽  
Wil Dijkstra ◽  
Lex M. Bouter ◽  
Johannes H. Smit

2015 ◽  
Author(s):  
Paula Aristizabal ◽  
Foyinsola Ani ◽  
Erica Del Muro ◽  
Teresa Cassidy ◽  
William Roberts ◽  
...  

2017 ◽  
Vol 7 (1.1) ◽  
pp. 426
Author(s):  
V Jayaraj ◽  
S Alonshia

Although data collection has received much attention by effectively minimizing delay, computational complexity and increasing the total data transmitted, the transience of sensor nodes for multiple data collection of sensed node in wireless sensor network (WSN) renders quality of service a great challenge. To circumvent transience of sensor nodes for multiple data collection, Quality based Drip-Drag-Match Data Collection (QDDM-DC) scheme have been proposed. In Drip-Drag-Match data collection scheme, initially dripping of data is done on the sink by applying Equidistant-based Optimum Communication Path from the sensor nodes which reduces the data loss. Next the drag operation pulls out the required sensed data using Neighbourhood-based model from multiple locations to reduce the delay for storage. Finally, the matching operation, compares the sensed data received by the dragging operation to that of the corresponding sender sensor node (drip stage) and stores the sensed data accurately which in turn improves the throughput and quality of data collection. Simulation is carried for the QDDM-DC scheme with multiple scenarios (size of data, number of sinks, storage capacity) in WSN with both random and deterministic models. Simulation results show that QDDM-DC provides better performance than other data collection schemes, especially with high throughput, ensuring minimum delay and data loss for effective multiple data collection of sensed data in WSN.


1999 ◽  
Vol 34 (6) ◽  
pp. 745-750 ◽  
Author(s):  
Lynn A Boergerhoff ◽  
Susan Goodwin Gerberich ◽  
Aparna Anderson ◽  
Laura Kochevar ◽  
Lance Waller

2017 ◽  
Vol 33 (1) ◽  
pp. 27-28 ◽  
Author(s):  
Angela M. Lepkowski

School nurses contend with a variety of challenges related to collecting and using their own data. Seemingly small steps can be taken to overcome these challenges, which will result in significant improvements in data collection and use. Improving the quality of data collection assists school nurses to identify and define practice issues and guide implementation of evidence-based practice within their schools and districts. This article provides school nurses with practical steps to collect and use school or district specific health data.


1999 ◽  
Vol 55 (10) ◽  
pp. 1726-1732 ◽  
Author(s):  
Martin A. Walsh ◽  
Gwyndaf Evans ◽  
Ruslan Sanishvili ◽  
Irene Dementieva ◽  
Andrzej Joachimiak

The multiwavelength anomalous dispersion (MAD) method of protein structure determination is becoming a routine technique in protein crystallography. The increased number of wavelength-tuneable synchrotron beamlines capable of performing challenging MAD experiments, coupled with the widespread availability of charge-coupled device (CCD) based X-ray detectors with fast read-out times have brought MAD structure determination to a new exciting level. Ultrafast MAD data collection is now possible and, with the widespread use of selenium in the form of selenomethionine for phase determination, the method is growing in popularity. Recent developments in crystallographic software are complementing the above advances, paving the way for rapid protein structure determination. An overview of a typical MAD experiment is described, with emphasis on the rates and quality of data acquisition now achievable at third-generation synchrotron sources.


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