IMPLEMENTASI PEMBIAYAAN AL-QARDH WAL IJARAH (Studi Kasus di BMT Nurul Ummah Ngasem Jawa Timur) / The Implementation of Al-Qardh Wal Ijarah Financing (Case Study at BMT Nurul Ummah Ngasem East Java)

2020 ◽  
Vol 4 (1) ◽  
pp. 71-96
Author(s):  
Nurul Aini ◽  
Moch. Zaenal Azis Muchtarom ◽  
Moch. Agus Sifa’
Keyword(s):  
Personal Selling ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Primary Data ◽  
Good Image ◽  
Social Mission ◽  
Promotion System ◽  
The Social ◽  
Standard Operating

Penelitian ini dilatarbelakangi Pembiayaan Al-Qardh Wal Ijarah. Al qardh wal ijarah merupakan salah satu produk yang didalamnya terkandung misi sosial. Adanya misi sosial kemasyarakatan ini akan meningkatkan citra baik dan meningkatkan loyalitas masyarakat terhadap BMT. Pembiayaan Al-Qardh Wal Ijarah ini disamping memberi bantuan untuk modal usaha dapat juga diberikan kepada anggota yang memerlukan dana bukan untuk usaha melainkan untuk kegiatan biaya anak sekolah, membangun rumah, dan kebutuhan lainnya sesuai dengan kegiatan anggota. Jenis penelitian ini adalah peneliti menggunakan pendekatan kualitatif dengan metode deskriptif. Data yang didapatkan adalah data primer yang langsung diperoleh dari BMT Nurul Ummah Ngasem Jawa Timur tentang pembiayaan al-qardh wal ijarah dan dari data sekunder yang merupakan data olahan yang sumbernya dapat dipercaya dan dipertanggungjawabkan secara ilmiah dengan menggunakan studi pustaka, interview, internet, dan lain-lain. Hasil penelitian dalam Peneliti ini adalah BMT Nurul Ummah Ngasem Jawa Timur sudah memiliki standar operasional prosedur penerapan dengan baik sesuai dengan prinsip analisis pembiayaan dan yang sering mengajukan pembiayaan al-qardh wal ijarah adalah anggota yang memiliki usaha yan bertujuan untuk mengembangkan usahanya. Dan sistem yang digunakan oleh BMT Nurul Ummah Ngasem Jawa Timur yaitu menggunakan sistem promosi personal selling (penjualan pribadi) yang dilakukan oleh santri BMT Nurul Ummah Ngasem Jawa Timur kepada anggota yang memiliki usaha. Kata Kunci: Pembiayaan, Qardh, Ijarah dan BMT. Abstract:            This research is motivated by Al-Qardh Wal Ijarah Financing. Al qardh wal ijarah is one of the products contained in social mission. The existence of the social mission will improve the good image and increase public loyalty to the BMT. Al-Qardh Wal Ijarah's financing aside from providing assistance for business capital can also be given to members who need funds not for business but for the activities of schoolchildren's costs, building houses, and other needs in accordance with the member's activitiesThis type of research is researchers using a qualitative approach with descriptive methods. he data obtained are primary data directly obtained from BMT Nurul Ummah Ngasem East Java about al-qardh wal ijarah financing and from secondary data which is processed data whose sources can be trusted and scientifically accounted for using literature studies, interviews, internet, etc. -other. The results of this study in this Researcher is that the BMT Nurul Ummah Ngasem East Java already has standard operating procedures for implementing them in accordance with the principles of financing analysis and who often propose financing al-qardh wal ijarah are members who have businesses that aim to develop their businesses. And the system used by BMT Nurul Ummah Ngasem East Java is to use a personal selling promotion system conducted by students of BMT Nurul Ummah Ngasem East Java to members who have businesses.

scholarly journals Perception of Natural Hazards in Rural Areas: A Case Study Examination of the Influence of Seasonal Weather

2020 ◽  
Vol 12 (6) ◽  
pp. 2251 ◽  
Author(s):  
Rodrigo Rudge Ramos Ribeiro ◽  
Samia Nascimento Sulaiman ◽  
Michelle Bonatti ◽  
Stefan Sieber ◽  
Marcos Alberto Lana
Keyword(s):  
Natural Hazards ◽  
Rural Areas ◽  
Secondary Data ◽  
Weather Conditions ◽  
Primary Data ◽  
Rainy Weather ◽  
The Social ◽  
Time Of Year ◽  
Ranking Order

A series of factors affect the social perception of hazards in a rural context. This article analyzes how weather conditions influence farmers’ perceptions of natural hazards. In order to understand the relationship between time of year/season and farmers’ concerns about hazards, this study was undertaken. The methodology was based on surveys done to obtain a base-collection of primary data, as well as a meteorological and production analysis using secondary data. A case study of small coffee farms was carried out in a Brazilian municipality with questionnaires applied during the dry season in 2016 and the rainy season in 2017. The results indicate that drought is the main hazard identified by farmers in both weather seasons. Although there were some changes in perceptions observed, the ranking order of the main hazards did not change over the dry and rainy weather seasons.

scholarly journals Implementasi Akuntabilitas Dalam Konsep Metafora Amanah di Lembaga Bisnis Syariah (Studi Kasus : Swalayan Pamella Yogyakarta)

2015 ◽  
Vol 1 (7) ◽  
pp. 506
Author(s):  
Rahmah Yulisa Kalbarini ◽  
Noven Suprayogi
Keyword(s):  
Research Study ◽  
Participant Observation ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Business Organization ◽  
The Social ◽  
Social Fund ◽  
Humanity Program

This study is aimed to find out accountability within Trustful metaphor concept and know the process also type of accountability in islamic business organization case study at Pamella Supermarket.The methods of this study is qualitative approach using research study. The analyze technique is domain and taxonomy. Data is collected by interview, passive participant observation, and secondary data. The informants of this research are an assistant manager, a marketing officer, an employee and costumers of the Pamella Swalayan in Yogyakarta.The results obtained, that the implementation of accountability with trustful metaphor concept in Pamella Supermarket based on pamella owner’s concept on accountability that the purpose of life is rahmatan lil alamin that is each muslim can give a benefit to of the muslims. The realization of that concept is there will be a separation of responsibility : business fund from social fund which is managed by Pamella. From the supermarket sight, the business fund is under the responsibility of the owner and to Allah SWT. While the social fund is under the responsibility of the society by holding some social humanity program, which are reported to the society as well as to the existing interrelated departments in Yogyakarta.

scholarly journals Penerapan Akad Ijarah Pada Produk Pembiayaan Pengurusan Porsi Haji Di KSPPS Kopena Pekalongan Ditinjau Dari Fatwa DSN-MUI

2019 ◽  
Vol 1 (2) ◽  
pp. 45-54
Author(s):  
Danis Amwalul Fikki
Keyword(s):  
Data Collection ◽  
Supervisory Board ◽  
Field Research ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Primary Data ◽  
Future Studies ◽  
Strict Control

Purpose- This study discusses the application of the Ijarah Agreement on Financing Products for the Management of Hajj Portions at KSPPS Kopena Pekalongan Judging from the DSN-MUI Fatwa. Methods- This research is a type of field research with a type of qualitative approach. The data used in this study are primary data obtained from interviews and secondary data obtained from research at KSPPS Kopena Pekalongan. Data were analyzed descriptively, namely data collected in the form of words, images and not numbers. The method of data collection by interviews, documents, and observations. Findings- The results of the study show that financing using the ijarah contract has followed the rules of the MUI DSN Fatwa. It can be stated that KSPPS Kopena Pekalongan has implemented the DSN-MUI Fatwa in each of its products and the Sharia Supervisory Board has always exercised strict control over the application of fatwas at the KSPPS Kopena Pekalongan Implications/limitations - This study is a case study and is only carried out in one agency so that future studies can expand the study area to increase generalization. Adapun hasil penelitian ini, bahwa pembiayaan ini menggunakan akad ijarah sesuai dengan yang diperintahkan dalam Fatwa DSN MUI. Hal ini sesuai dengan yang disampaikan oleh Dewan Pengawas Syariah KSPPS Kopena Pekalongan. Dari uraian di atas dapat disimpulkan bahwa KSPPS Kopena Pekalongan melaksanakan Fatwa DSN-MUI dalam setiap produknya dan Dewan Pengawas Syariah selalu melakukan kontrol yang ketat terhadap penerapan fatwa di KSPPS Kopena Pekalongan.

scholarly journals Implementation of School Based Management in Elementary School 2 Penujak District Praya Barat, Central Lombok Regency

2020 ◽  
Vol 7 (6) ◽  
pp. 54
Author(s):  
Lalu Muhammad Khairi Asmuni ◽  
Sudirman Sudirman ◽  
Fahruddin Fahruddin
Keyword(s):  
Elementary School ◽  
Data Collection ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Primary Data ◽  
Administrative Staff ◽  
School Based ◽  
Management Processes ◽  
School Based Management

This study aims to determine the implementation of School Based Management (SBM) in the field of curriculum and learning, students, and educators and education staff at elemnetary school 2 Penujak, Praya Barat District, Central Lombok Regency. Research uses a qualitative approach using a case study. The type of data of this research are primary data and secondary data. The primary data material in this study was in the form of interviews with the principal, teachers and administrative staff. The secondary data material in this study is data on the state of elementary school 2 Penujak, organizational structure, human resources and so on. Data collection techniques in this study are: (1) interviews, (2) observations and, (3) documentation studies. Various data collection techniques (triangulation), and carried out continuously until the data is saturated. Checking the validity of the data in qualitative research includes four techniques, namely credibility, transferability, dependability, and confirmability. The results showed that the implementation of School-Based Management in SD Negeri 2 Penujak was carried out through 4 management processes, namely planning, organizing, implementing, and monitoring as well as in accordance with the essence of School-Based Management (SBM) namely autonomy, flexibility, participation, transparency and accountability

scholarly journals Updating Standard Operating Procedures : Tuntutan Manajemen? Studi Kasus Pada Unit Gizi Rumah Sakit X Di Surabaya

InFestasi ◽  
2019 ◽  
Vol 14 (2) ◽  
pp. 94
Author(s):  
Lidya Ratnasari Tejosaputra ◽  
Hendra Wijaya
Keyword(s):  
Data Collection ◽  
Qualitative Approach ◽  
Standard Operating Procedures ◽  
Primary Data ◽  
Case Study Method ◽  
Standard Operating

<p><em>The purpose of this study is to analyze and evaluate the implementation of standard operational procedures (SOPs) in nutrition unit of X hospital in Surabaya after the change of management. The scope of the study is the implementation of SOPs that focused on the organizing of processing food in hospital’s kitchen. The study uses explanative qualitative approach with case study method. The types and sources of data are qualitative and primary data. Methods of data collection are interview, observation, and documentation.</em></p><p><em>The results of the study show that the change of management caused many changes and adjustments in day to day operational implementation, but there is not enough updating the SOPs. The evaluation of SOPs reveals that the report needed by new management is not available as there are not enough documents in the existing SOPs to support the availability of the report. Hence, the updating of SOPs is necessary to fulfill the management demand.</em></p>

Analisis Faktor-Faktor Penyebab Fraud Pada Badan Usaha Milik Daerah

2016 ◽  
Vol 3 (2) ◽  
pp. 97-119
Author(s):  
Muhamad Erfin Fatoni ◽  
Abdul Halim
Keyword(s):  
Human Resources ◽  
Control Systems ◽  
Internal Control ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Primary Data ◽  
Fraud Triangle ◽  
Fraud Prevention ◽  
Internal Control System

The purpose of this research is to analyze the factors that cause the occurrence of fraud in PD BPR Bank Dearah X which is one of the regional owned enterprises of Local Government X and identify the steps ways of fraud prevention which is effective in PD BPR Bank Daerah X. This research uses a qualitative approach with a case study. This study uses the primary data and secondary data. This research uses many data collection techniques by conducting an interview, an observation and a documentation. The results show that the factors that cause the occurrence of fraud in PD BPR Bank Daerah X can be classified into four, namely: (1) the pressure that comes from the external and internal influence, (2) an opportunity or a chance due to the weakness of internal control systems owned by BPR , sanctions are not strict enough for the wrongdoers of fraud, and misuse of authority committed by directors, (3) rationalization, and (4) collusion. The ways of fraud prevention which are done by the management of PD BPR Bank Daerah X and based on the results of interviews conducted by the researchers, can be identified as follows: (1) An improvement of the internal control system in PD BPR Bank Daerah X, (2) An implementation of policy of know your employee (KYE) as an effort of fraud prevention by controlling the aspects of human resources (HR); (3) A creation of a special line of fraud reporting policy;and (4) An establishment of policies and sanction procedures. Keywords: Fraud, Regional Owned Enterprises, Fraud Triangle, Anti-fraud Strategy.

scholarly journals STRATEGI MANAJEMEN KAS PERUSAHAAN PROPERTI SYARIAH UNTUK MENJAGA KELANGSUNGAN USAHA

2020 ◽  
Vol 7 (3) ◽  
pp. 448
Author(s):  
Yeni Putri Lintang Sari ◽  
Noven Suprayogi
Keyword(s):  
Secondary Data ◽  
Qualitative Approach ◽  
Business Continuity ◽  
Primary Data ◽  
Cash Management ◽  
Study Strategy ◽  
Descriptive Case Study ◽  
Property Companies ◽  
Payment Schemes

The purpose of this study is to find out cash management carried out by sharia property companies. This study uses a qualitative approach with descriptive case study strategy. The data in this study were obtained through primary data in the form of interviews and secondary data in the form of documentation based on two informants from PT Emirate Nusantara and PT Indo Tata Graha, respectively. The results of this study indicate that PT Emirate Nusantara and PT Indo Tata Graha manage cash by arranging sales schemes and payment schemes to maintain cash availability, and the two companies diversify their business as an effort to maintain business continuity.Keywords: Cash management, Sharia Property, business continuity

scholarly journals The Values of Jaranan Pogogan Art Teguh Rahayu at Sugihwaras Village, Prambon Sub-District, Nganjuk Regency.

Catharsis ◽  
2020 ◽  
Vol 9 (1) ◽  
pp. 77-84
Author(s):  
Wahyu Prasetyo Bekti ◽  
Sunarto Sunarto ◽  
Udi Utomo
Keyword(s):  
Secondary Data ◽  
Analysis Data ◽  
Qualitative Approach ◽  
Daily Activities ◽  
Primary Data ◽  
Field Observations ◽  
Data Presentation ◽  
Library Studies ◽  
Art Performance

Jaranan Pogogan art Teguh Rahayu have its own uniqueness. The uniqueness lies in the presentation performed on stage, and is presented by two male dancers who dress up like a pretty woman. A dancer is as a Sasra and another dancer is as Pogog. The purpose of this research is to analyse the values of the art performance of Jaranan Pogogan Teguh Rahayu. This study used a descriptive qualitative approach with a case study model at the art performance of Jaranan Pogogan Teguh Rahayu. This research was conducted in Sugihwaras village, Prambon Sub-district, Nganjuk Regency. The data in this research is classified as two, namely primary data and secondary data. The data collection techniques in this study are field observations, interviews, documents, and library studies. The triangulation is used as the process in the validity of the data of this study. Technique of analysis data used data reduction, data presentation and conclusion and verification. The results showed that there are four values contained in the Pogogan Teguh Rahayu Arts Museum, they are as follows; the value of deity, the value of goodness, the value of righteousness, and the value of beauty. This analysis uses some value on the Pogogan Teguh Rahayu Art which the values reflected in daily activities.

scholarly journals The strategy’s interactions with learning and culture: a study in a family organization

2009 ◽  
Vol 8 (2) ◽  
pp. 107-134
Author(s):  
Leilianne Michelle Trindade da Silva ◽  
Luciene Lopes Baptista
Keyword(s):  
Fast Food ◽  
Secondary Data ◽  
Data Interpretation ◽  
Cultural Transformation ◽  
Qualitative Approach ◽  
Primary Data ◽  
Strategic Performance ◽  
Family Organization ◽  
Professional Management

This paper aims to understand the relationships between strategy, learning and organizational culture, to explain the dynamic interaction that occurs in the phenomenon of cultural transformation of a family organization to a professional management structure. This is an exploratory study, with qualitative approach, using the method of case study, developed in a Brazilian family company by the fast food segment. The primary data were collected by conducting interviews and secondary data were formed by organizational documents. The data interpretation was based on analysis of content. It was found that organizational learning was an experience to perpetuate the teachings considered relevant to the strategic performance of the organization, while opening a new path towards the professionalization of the company investigated.

scholarly journals TEKNIK MITIGASI RISIKO PEMBIAYAAN PEMILIKAN RUMAH (PPR) SYARIAH PADA DEVELOPER PROPERTI SYARIAH

2020 ◽  
Vol 6 (9) ◽  
pp. 1814
Author(s):  
Nur Sa’diyah ◽  
Noven Suprayogi
Keyword(s):  
Default Risk ◽  
Home Ownership ◽  
Risk Mitigation ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Primary Data ◽  
Descriptive Case Study ◽  
Financing Risk ◽  
Two Stages

The purpose of this study is to find out the technique of risk mitigation in home ownership financing (PPR) conducted by PT Indo Tata Graha. This study uses qualitative approach with descriptive case study strategy. The data in this study were obtained through primary data in the form of interviews and secondary data in the form of documentation. The results of this study indicate that the risk of home ownership financing (PPR) consists of risks of cancel, default risk, risk of miss manage and the risk of delays in the delivery of goods). To minimize the occurrence of losses and impacts due to risk, Sharia Property Developer has risk mitigation carried out which is divided into two stages, namely before the occurrence of risk and after the occurrence of risk.Keywords: house ownership financing (PPR), PT Indo Tata Graha, risk in house ownership financing, risk mitigation of sharia property developer

Sign in / Sign up

Export Citation Format

Share Document