Handling the Financing Problem: A Narrative Study of Agricultural Capital Financing Murabahah Contracts at BMT

2021 ◽  
Vol 5 (2) ◽  
Author(s):  
Joko Hadi Purnomo ◽  
Anike Putri Rahmawati ◽  
Niswatin Nurul Hidayati
Keyword(s):  
Data Analysis ◽  
Field Research ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Data Sources ◽  
Internal Factors ◽  
Narrative Study ◽  
Family Approach ◽  
Capital Financing ◽  
Financing Problem

This research aimed to determine how the implementation of agricultural capital financing with the murabahah contract, the factors that caused problematic financing, and how to handle problematic financing, especially in the financing of agricultural capital with a murabahah contract at BMT BUS KPU Tuban Branch. Agricultural capital financing is a type of financing that is quite rare for BMT in Tuban District, because in providing agricultural financing, BMT is very vulnerable to suffer losses due to problematic financing. This research was a field research with a qualitative approach. Data collection techniques were carried out through interviews and documentation. Data sources consisted of primary and secondary data. Data analysis used analytic descriptive technique. The results explained that the murabahah financing procedure implemented at BMT BUS KPU Tuban Branch on agricultural capital financing practices can be said to be good, because in its implementation each prospective member of the financing was obliged to meet the applicable requirements and procedures, the factors that cause problematic financing were external and internal factors, The strategy for handling problematic financing at BMT BUS KPU Tuban Branch used a family approach, intensive billing, financing restructuring, collateral takeover, collateral execution and finally if it was not successful with financing elimination. Keywords: Agricultural Capital Financing, Murabahah Contract, Problematic Financing 

scholarly journals Pelayanan Publik Melalui Sistem E-Filling di Kantor Pelayanan Pajak Pratama Cilegon

2020 ◽  
Vol 1 (1) ◽  
pp. 35-42
Author(s):  
Nurfatma Asriyanti ◽  
Arif Nugroho ◽  
Racmi Yulianti
Keyword(s):  
Data Analysis ◽  
Human Resources ◽  
Public Service ◽  
Theoretical Basis ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Data Sources ◽  
The Public ◽  
Inhibiting Factors ◽  
Filling System

This study aims to determine Public Services through the E-filling System at the Cilegon Primary Tax Service Office and to determine the supporting and inhibiting factors. The research used is a descriptive qualitative approach. The data sources used are primary and secondary data. To deepen the data analysis interviews, observation, and documentation were carried out. The theoretical basis used is public service. The results showed that the public service through the e-filling system was running well-reviewed with the theory of public service. But there are several supporting and inhibiting factors found. Supporting factors 1) employee upgrading, 2) socialization. The inhibiting factors are 1) lack of human resources, 2) e-filling applications are down or error

scholarly journals PEMBIAYAAN MURABAHAH BERMASALAH

2019 ◽  
Vol 7 (1) ◽  
Author(s):  
Suryanto Suryanto ◽  
Ratna Meisa Dai ◽  
Evi Nursetyani
Keyword(s):  
Balance Sheet ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Primary Data ◽  
Literature Study ◽  
Internal Factors ◽  
Balance Sheets ◽  
Side Stream ◽  
Financing Problem ◽  
Descriptive Method

This study aims to determine murabahah financing problem and how to handle it. The method used in this research using the descriptive method with the qualitative approach. Primary data sources were obtained using interviews and field observations. Secondary data were obtained through literature study related to murabahah problem and documentation study. The result of research indicates that murabahah financing in BPRS always related to wakalah contract. Wakalah is a contract between two parties in which one party submits, delegates, represents an affair to another party and the other undertakes the mandate at the request of the representative party. The cause of murabahah financing is problematic due to several factors, namely external and internal factors of the bank. External factors of the bank that comes from customers such as: losing in business competition, the business is run relatively new, side stream use of funds, the death of the key person, divorce key person, sick family members, and the character of customers who are not good. While the internal factors due to errors in conducting the analysis and weak aspects of supervision and monitoring. Handling of non-performing financing is done through collection activities, rescue activities (revitalization), settlement of guarantee activities and write off. Billing activities are done by contacting or visiting customers intensively, giving warning letters. Rescue of troubled financing is done by revitalizing rescheduling and restructuring. While write-off is a write-off of financing that is congested from on-balance sheets and recorded on the off-balance sheet. Keywords: murabahah, problem financing, sharia bank

scholarly journals PRAKTEK PEMBAYARAN HUTANG DENGAN BEKERJA PRESPEKTIF FIQH MUAMALAH (Studi Kasus di Jorong Malintang Nagari Lawang Mandahiling Kecamatan Salimpaung Kabupaten Tanah Datar)

2021 ◽  
Vol 2 (2) ◽  
pp. 41
Author(s):  
Putri Handayani ◽  
Sulastri Caniago
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Qualitative Analysis ◽  
Field Research ◽  
Secondary Data ◽  
Data Sources ◽  
Primary Data ◽  
Accounts Payable ◽  
Analysis Technique ◽  
Secondary Data Sources

This study aims to explain the practice of paying debts by working in terms of fiqh muamalah in Jorong Malintang Nagari Lawang Mandahiling, Salimpaung District, Tanah Datar Regency. This research is a field research. The data sources consist of primary data sources, namely 7 people who owe, 7 people who give debts and 1 scholar, while secondary data sources are documentation and books and scientific works related to accounts payable. Data collection techniques that the author uses are interviews and documentation. The data analysis technique that the author uses is descriptive qualitative analysis. This study found that the implementation of debt payments by working carried out by the community in Jorong Malintang Nagari Lawang Mandahiling, Sallimpaung District, Tanah Datar Regency, namely debt and money receivables which was only done verbally without any written evidence. If it is due, but the borrower is unable to pay it and the payment is made by working in the person's field with his wages taken in exchange for the debt. The execution of debts paid by work is included in usury where the debtor takes the excess wages for working money when paying his debts.

MODEL REKRUTMEN CALON ANGGOTA LEGISLATIF OLEH PARTAI POLITIK DI DPD PARTAI GOLKAR KABUPATEN SIDOARJO

2016 ◽  
Vol 1 (2) ◽  
pp. 153
Author(s):  
Hendra Sukmana ◽  
Arsiyah Arsiyah
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Descriptive Analysis ◽  
Research Result ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Data Sources ◽  
Previous Model ◽  
Scoring Method ◽  
Data Presentation

This research is aimed to study the model of recruitment of prospective members of DPD Golkar sidoarjo. The method of this research used qualitative approach. This research used data sources in the form of primary and secondary data, along with data collection techniques, namely observation, interview and documentation. The technique of data analysis used descriptive analysis by qualitative approach that includes: reduction of data, presentation of data, drawing a conclusion. The research result indicated that the recruitment of prospective members of DPD Golkar Sidoarjo has run well and was not undergoing many changes compared with the previous model of recruitment of prospective members of the party. It began with socialization of registration to the candidate of legislative member toward the volunteers. After that, it continued with self registration by young members of a legislature, join training prepared by team nine, then the candidates will be selected through scoring method.

scholarly journals Analisis Penyerapan Tenaga Kerja Sektor Perhotelan dan Restoran di Kecamatan Pacet Kabupaten Mojokerto

2018 ◽  
Vol 6 (2) ◽  
pp. 106
Author(s):  
Pradipta Sasongko ◽  
Dewie Wijayati
Keyword(s):  
Data Analysis ◽  
Graduate Education ◽  
Secondary Data ◽  
Work Force ◽  
Qualitative Approach ◽  
Data Sources ◽  
School Graduate ◽  
Service Business ◽  
Depth Interviews ◽  
Hotel Accommodation

Tourism plays an important role in Indonesia's economy both asone source of revenue for producers as well as the creator of employment and opportunities especially service business hotel accommodation and restaurant. This research using descriptive qualitative approach. The research was carried out in the District of Pacet, Mojokerto Regency. Data sources used are primary and secondary data. The technique of data collection is carried out by means of observation and in-depth interviews. While the method of data analysis using the technique of triangulation. The result showed that hotel and restaurant sector contributed to work force absorption sub-district pacet still low and not much assist in overcoming mojokerto unemployment in the county. Specifications labor at hotels and restaurants can be seen from factor is the average age 18-25 years factor high school graduate education, smk, D1 or other levels, and factor sexes prioritize women and not married.

scholarly journals Analysis of Cash Management at Baing Yusuf Grand Mosque, Purwakarta Regency (Judging from the Management Aspect and Its Allocation)

2019 ◽  
Vol 3 (2) ◽  
pp. 136-147
Author(s):  
Dedah Raudatul Jannah
Keyword(s):  
Data Analysis ◽  
Management System ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Data Sources ◽  
Cash Management ◽  
Allocation System ◽  
Management Aspect ◽  
Secondary Data Sources ◽  
Descriptive Qualitative

This study is an Analysis of the Cash Management of the Baing Yusuf Great Mosque in Purwakarta Regency (Judging from the Management Aspect and Its Allocation). researchers are interested in conducting this research because there are still many problems in the management of mosque cash funds such as the construction of mosques that have not been completed for years, mosque administrators do not have more money to pay priests, preachers or muezzins, even mosques do not have janitors because of the lack of mosque cash funds. In addition, many mosque facilities are still lacking such as a broken fan, only a few ablutions, no mosque management rooms, and so on. Plus there are still many mosques that lack funds and even deficits. The purpose of this study is to find out about the source of receipt of the Great Mosque Baing Yusuf Purwakarta cash fund, the cash management system of the Great Mosque of Baing Yusuf Purwakarta, and to find out about the cash allocation system in the Great Mosque of Baing Yusuf Purwakarta. The method of collecting data in this study is by interview, observation and documentation. The data sources used are primary and secondary data sources. The data analysis used a Descriptive Qualitative approach by reviewing the cash management system of the Great Mosque of Baing Yusuf Purwakarta. The results of this study can be concluded that the source of cash receipts of the Great Mosque of Baing Yusuf comes from the charity box of the pilgrims. The management of cash funds is already good because the financial circulation is clear and transparent and the allocation of funds is clear to pay the wages of priests, preachers, marbots, muezzins and so forth.          

scholarly journals PENYUSUNAN LAPORAN KEUANGAN UMKM BERDASARKAN SAK-EMKM

2021 ◽  
pp. 35-44
Author(s):  
Natasha Simanjuntak ◽  
Tinneke E.M. Sumual ◽  
Aprili Bacilius
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Field Research ◽  
Secondary Data ◽  
Financial Statements ◽  
Qualitative Approach ◽  
Financial Reports ◽  
Analysis Technique ◽  
Data Collection Technique ◽  
The Many

Abstrak Salah satu kendala yang dihadapi UMKM yaitu pencatatan dan pelaporan keuangan. Untuk memudahkan UMKM melakukan pencatatan dan pelaporan keuangan, DSAK mengeluarkan SAK-EMKM. Restoran Delli Tomohon merupakan satu diantara banyak UMKM yang belum melakukan pencatatan dan pelaporan keuangan. Berdasarkan hal tersebut, peneliti melakukan riset dengan tujuan mengetahui dan menyusun laporan keuangan berbasis SAK-EMKM pada Restoran Delli Tomohon. Riset ini menggunakan pendekatan kualitatif deskriptif dengan data primer dan sekunder. Teknik pengumpulan data menggunakan field research, sedangkan teknik analisis data dengan mengintregasikan data ke dalam kategori, memerincikan dan menyusun data. Hasil penelitian menunjukkan bahwa Restoran Delli Tomohon belum mampu melakukan pencatatan dan pelaporan keuangan. Kata Kunci : SAK-EMKM, Restoran, Laporan Keuangan     Abstract One of the obstacles faced by MSMEs is financial recording and reporting. To make it easier for MSMEs to record and report financial, DSAK issued SAK-EMKM. Delli Tomohon Restaurant is one of the many MSMEs that have not done financial recording and reporting. Based on this, the researcher conducted research with the aim of knowing how to record and compiling SAK-EMKM-based financial reports at Delli Tomohon Restaurant. This research uses a descriptive qualitative approach with primary and secondary data. The data collection technique used field research, while the data analysis technique was to integrate the data into categories, detailing and compiling the data. The results showed that the restaurant Delli Tomohon has not been able to record and report financials. Keywords : SAK-EMKM, Restaurant, Financial Statements

scholarly journals DUA BELAS TEKNIK IKAT KONSTRUKSI KAYU PADA RUMAH VERNAKULAR TOLAKI

2020 ◽  
Vol 9 (2) ◽  
pp. 152-163
Author(s):  
Putra Wijaya ◽  
Muhammad Zakaria Umar ◽  
Muhammad Arsyad
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Data Sources ◽  
Primary Data ◽  
Case Study Method ◽  
Wood Construction ◽  
Vernacular House

The technique of binding wood construction in Tolaki vernacular houses tends to fade due to esotericism. This research is important as follows: (1) to uncover and preserve Tolaki's architectural identity in the form of wood-binding techniques; (2) to enrich the Southeast Sulawesi architecture literature in particular and Indonesian architecture in general. This research is intended to formulate the wood construction binding technique in Tolaki vernacular house.  This research uses a case study method with a qualitative approach. Data sources consist of primary data and secondary data.  This research uses triangulation data collection techniques. The method of data analysis is carried out by means of information organized, information and codefication studied, cases and contexts described, findings interpreted, and findings presented narratively. The study concluded that the construction of wood in the Tolaki vernacular house consisted of 12 (twelve) connective techniques as follows: first, peusu temomo, peusu kinalase, peusu pinewa’a, peusu pinepuhe, peusu niranggia, and peusu tundo ndowaea are included in the category of cross ties; second, peusu kinalili and  peusu pinekalo are included in the category of dead cross ties; third, peusu pinepuhu, peusu sinemba, peusu mbekale, and peusu sinemba aso hara are included in the category of mobile cross ties.

scholarly journals Tinjauan Fatwa DSN MUI Terhadap Penyelesaian Pembiayaan Murābaḥah Bermasalah (Studi Kasus di Bank Pembiayaan Rakyat Syariah Dana Amanah Surakarta)

2021 ◽  
Vol 5 (01) ◽  
pp. 164-182
Author(s):  
Mujahidin Yunani ◽  
M. Usman
Keyword(s):  
Data Collection ◽  
Financial Institutions ◽  
Field Research ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Data Sources ◽  
Primary Data ◽  
Final Solution ◽  
Qualitative Descriptive ◽  
Collection Methods

Murābaḥah is one of the most popular financing for Sharia Financial Institutions. Likewise, at the BPRS Dana Amanah Surakarta, murābaḥah financing is what customers are most interested in, therefore, among other financing products the risk is also higher. In addition, many customers choose deferred payments. This deferred payment creates several risks, one of which is financing problems. Many customers who are deemed capable are still procrastinating in terms of payment of installment obligations, this is what causes losses for the BPRS, where the more customers delay payment, the higher the level of Non Performing Financing (NPF) in a bank, causing the bank's condition to not healthy. Then the problem that will be raised in this study is how to solve the problematic murābaḥah financing in the BPRS Dana Amanah Surakarta and how the view of the fatwa DSN MUI towards the practice of solving the problematic murābaḥah financing in the BPRS Dana Amanah Surakarta. This study uses field research methods, with a descriptive qualitative approach. The data sources used are primary data and secondary data, with data collection methods through interviews with informants and documentation and then analyzed with qualitative descriptive methods. From the results of this study, it can be concluded that: (1) The steps for solving problematic murābaḥah financing at BPRS Dana Amanah Surakarta include billing, rescheduling, restructuring, customers selling their own goods, execution of collateral, AYDA and judicial channels. (2) The mechanism for the settlement of murābaḥah financing at BPRS Dana Amanah Surakarta is in accordance with the MUI DSN Fatwa and POJK No. 29/POJK.03/2019, except for the Fatwa DSN MUI No. 47 / DSN-MUI / II / 2005 on the provisions of point 5 regarding exemption for customers who are truly unable to pay off their financing payments, because in its implementation the BPRS Dana Amanah Surakarta implementing the final solution of problematic murābaḥah financing by way of settlement through the judiciary, if the BPRS performs debt relief, only the write-off records are written off, not the write-offs. Even though it has been written off, there is still a billing.

Implementasi nilai-nilai Etika, Moral dan Akhlak dalam perilaku belajar di STIT Raden Wijaya Mojokerto

2018 ◽  
Vol 1 (2) ◽  
pp. 71
Author(s):  
Aan Eko Khusni Ubaidillah
Keyword(s):  
Field Research ◽  
Qualitative Approach ◽  
Learning Behavior ◽  
The West ◽  
Internal Factors ◽  
Inhibiting Factors ◽  
Analysis Technique ◽  
Western Values ◽  
Culture Environment ◽  
Research Type

The problems we face today live in a time of moral degradation and destruction. People feel proud if they can imitate the trend carried by the West; both in thought and lifestyle. Ironically, not a few generations of Muslims who terpedaya with the trend. They make Western values ​​as their standard of behavior and morals. Meanwhile, Islamic morality is increasingly felt strange and difficult to practice in the midst of society facing such problems plural and complex. The purpose of this study are: 1) To describe the steps Implementation of values ​​of Ethics, Moral and Morals in learning behavior in STIT Raden Wijaya Mojokerto. 2) To describe the supporting and inhibiting factors Implementation of Ethics, Morals and Morals values ​​in the behavior of learning in STIT Raden Wijaya Mojokerto This research type is field research research using qualitative approach. Data collection techniques include observation, interview, and documentation. Data analysis technique uses descriptive explorative, that is by describing state and phenomenon status. Based on the exposure of the analysis of data sources can be concluded that: 1) Steps Implementation of values ​​of Ethics, Morals and Morals in the behavior of learning in STIT Raden Wijaya Mojokerto is the first institution to make a mature planning, then applied with the pattern pembiasaan. 2) To describe the supporting and inhibiting factors Implementation of Ethics, Morals and Morals values ​​in learning behavior in STIT Raden Wijaya Mojokerto consists of internal factors (consisting of heredity, gender, physical character, personality, intelligence and talent) and external ( consisting of education, religion, culture, environment and socio-economic)

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