scholarly journals Analisis Penerapan Syariah Pembiayaan Rahn Emas

2020 ◽  
Vol 8 (2) ◽  
pp. 1-8
Author(s):  
Eka Widiyani ◽  
Siti Afidatul Khotjah
Keyword(s):  
Qualitative Methods ◽  
Secondary Data ◽  
Primary Data ◽  
Legal Basis ◽  
The Status ◽  
Branch Office

Abstract: This study aims to determine whether the principles of sharia are applied and the financing of gold in the Sharia Pawnshop Mertoyudan Branch Office, whether it is in accordance with sharia principles in accordance with the established rules. This study uses qualitative methods using primary data, namely through direct interviews with the parties concerned and observation. In addition to primary data as well as secondary data taken through books, journals, internet, and previous research, the data obtained are not numbers but information related to this research. The result of this research is that the gold rahn financing in sharia pawnshops uses a combination of two contracts, namely the rahn contract and the ijarah contract. The ijarah rates set are based on the size of the loan. The legal basis used is based on Al-Qura'an Surat Al-Baqarah ([2]: 283), Bukhari Muslim's Hadith, and the Fatwa of the National Sharia Council of the Indonesian Ulema Council No.25 / DSN-MUI / III / 2002. The auction system implemented in the Sharia Pawnshop Mertoyudan Branch Office is in accordance with the Fatwa of the National Sharia Council of the Indonesian Ulema Council No.25 / DSN-MUI / III / 2002 regarding rahn, but the status of gold rahn collateral is still questionable whether it is in accordance with sharia principles or not yet because the Mertoyudan Branch Office Sharia Pawnshop doesn't pay attention to the status of the collateral. Keywords: Gold Rahn, Sharia Principles, Financing.

Analisis Implementasi Akad Rahn (Gadai) di Kantor Cabang Pegadaian Syariah Bogor Baru

2021 ◽  
Vol 4 (1) ◽  
pp. 52-65
Author(s):  
Hajar Hanifa ◽  
Ikhwan Hamdani ◽  
Yono Yono
Keyword(s):  
Data Collection ◽  
Middle Class ◽  
Qualitative Methods ◽  
Financial Institutions ◽  
Secondary Data ◽  
Primary Data ◽  
Lower Middle Class ◽  
The Public ◽  
Islamic Financial Institutions ◽  
Branch Office

  Pegadaian Syariah is one of the Islamic financial institutions in Indonesia that distributes funds in the form of money loans with collateral in the form of valuable goods to the lower middle class community, which aims to make it easier to provide loans under Sharia law and eradicate moneylenders who have run rampant among the public without us realizing it. In the implementation of the contract Rahn that occurs at the Sharia pawnshop, it must be in accordance with the fatwa of the National Sharia Board, but in terms of the implementation of each fatwa verse that has been determined, sometimes it is still different in practice and unclear so that a question arises or even assumes that Sharia Pawnshops and Conventional Pawnshops are the implementation is the same, there is no difference. This study aims to determine the implementation of the Sharia Rahn (pawning) contract at the New Bogor Syariah Pawnshop Branch Office and to determine the suitability of the implementation of the Syariah Rahn (pawning) contract at the New Bogor Syariah Pawnshop Branch Office with the DSN MUI Fatwa. This study uses descriptive qualitative methods, the data used are primary data and secondary data, data collection techniques using observation, interview and documentation techniques. The results of this study indicate that the implementation of the Rahn contract at the New Bogor Syariah Pegadaian Branch Office has been implemented in accordance with existing Sharia provisions, such as fulfilling the pillars and requirements of Sharia Rahn (pawning). The implementation of the Rahn contract at the New Bogor Syariah Pawnshop Branch is in accordance with the MUI DSN Fatwas such as the MUI DSN Fatwa No. 25/DSN-MUI/III/2002 and DSN MUI Fatwa No.26/DSN-MUI/III/2002.I

scholarly journals Mobilitas Sosial Keluarga Transmigrasi Penempatan Tahun 1981 dan Keturunannya di Desa Krueng Itam Kecamatan Tadu Raya Kabupaten Nagan Raya

2017 ◽  
Vol 2 (1) ◽  
pp. 89-104
Author(s):  
Diah Hastuti ◽  
Ahmad Hamid ◽  
Edy Marsudi
Keyword(s):  
Social Mobility ◽  
First Generation ◽  
Second Generation ◽  
Secondary Data ◽  
Total Sample ◽  
Primary Data ◽  
Family Welfare ◽  
The Social ◽  
The Status ◽  
Vertical Mobility

Abstrak. Mobilitas  sosial  merupakan  perpindahan  dari  suatu kelas sosial ke kelas sosial lainnya yang biasanya ditunjukkan melalui  pekerjaan sekarang yang berbeda dari pekerjaan sebelumnya. Salah satu keberhasilan dari adanya program transmigrasi adalah terjadinya mobilitas sosial ke arah yang lebih baik pada peserta transmigrasi. Penelitian ini bertujuan untuk mengetahui bagaimana mobilitas sosial yang terjadi pada peserta transmigrasi dan keturunannya, untuk mengetahui seberapa besar terjadi mobilitas vertikal antar generasi dan untuk mengidentifikasi tingkat kesejahteraan keluarga transmigrasi menurut indikator BKKBN. Data yang digunakan adalah data primer dan data sekunder. Metode analisis yang digunakan adalah analisis deskriptif kualitatif. Hasil penelitian menunjukkan bahwa dilihat dari pekerjaan generasi I dan II tidak terjadi mobilitas sosial, dengan jumlah sampel sebanyak 66 responden yang terdiri dari 3 generasi yang mana pada generasi I dan generasi II pekerjaan mereka masih sebagai petani yang berubah hanya status pekerjaannya saja, namun pada generasi III selain responden bekerja sebagai petani ada responden yang bekerja sebagai pegawai/karyawan, dilihat dari pendidikan hanya generasi III yang pendidikannya lebih baik dibandingkan generasi sebelumnya, dan dilihat dari kepemilikan Aset generasi II dan III lebih baik dibandingkan generasi I nya. Mobilitas vertikal antar generasi terbesar yang terjadi adalah berdasarkan pendidikan yaitu sebesar 54,5%. Untuk pentahapan keluarga sejahtera menurut BKKBN, terdapat sebanyak 20,4% keluarga transmigrasi yang berada pada kategori Keluarga Prasejahtera, Keluarga Sejahtera I sebesar 75,9%, dan Keluarga Sejahtera II sebesar 3,7%.Transmigration Family Social Mobility In Placement In 1981 And Their Descendants In The Village Of  Krueng Itam Sub-District Of Tadu Raya Nagan Raya RegencyAbstract. Social mobility is the movement of a social class to other social classes are usually shown through the work now is different from previous work. One of the success of the transmigration program is social mobility towards better on participants transmigration. This study aims to determine how the social mobility that occurs in the transmigration of participants and their descendants, to know how big happening vertical mobility between generations and to identify the level of family welfare indicators transmigration according to BKKBN. The data used are primary data and secondary data. The analytical method used is descriptive qualitative analysis. The results showed that the views of the work first generation and the second generation does not occur social mobility, with a total sample of 66 respondents consisting of three generations of which the first generation and the second generation of their work is still as farmers are changing only the status of the job, but at generation III besides the respondents worked as farmers there are respondents who worked as an employee/employees, viewed from education only generation III are better educated than previous generations, and the views of the ownership of generation assets II and III generation better than generation I. The vertical mobility between generations that happens is by education that is equal to 54.5%. For a prosperous family phasing BKKBN, there are as many as 20.4% of families transmigration in the category Pre-Welfare Family, Family Welfare I equal to 75.9%, and Family Welfare II amounted to 3.7%.

scholarly journals Peran Notaris Dalam Transaksi Pengadaan Tanah Untuk Lokasi Pembangunan Komplek Perkantoran Pemerintah Kabupaten Sekadau

Jurnal Akta ◽  
2018 ◽  
Vol 5 (1) ◽  
pp. 234
Author(s):  
Mochamad Elmo Sidiq ◽  
Amin Purnawan
Keyword(s):  
Government Regulation ◽  
Code Of Ethics ◽  
Secondary Data ◽  
Land Rights ◽  
Primary Data ◽  
Regional Government ◽  
Legal Basis ◽  
Development Site ◽  
Notary Public

ABSTRAKProblematik penelitian ini adalah : Apa dasar hukum  Peran Notaris dalam Transaksi Pengadaan Tanah Untuk Lokasi Pembangunan Komplek Perkantoran Pemerintah Kabupaten Sekadau? apa peran Notaris  Dalam Transaksi Pengadaan Tanah Untuk Lokasi Pembangunan Komplek Perkantoran Pemerintah Kabupaten Sekadau? dan apa akibat hambatan hukum atas Peran Notaris dalam Transaksi Pengadaan Tanah Untuk Lokasi Pembangunan Komplek Perkantoran Pemerintah Kabupaten Sekadau?Penelitian ini adalah dengan pendekatan yuridis-empiris yang bersumber dari pengumpulan data yang diperoleh dari data primer dan data sekunder, kemudian dianalisis dengan metode analisis kualitatif. Teknik pengumpulan data yang digunakan adalah teknik wawancara. Teknik analisis data menggunakan analisis data kualitatif.Hasil temuan peneliti menunjukkan bahwa Dasar hukum Notaris dan/atau PPAT dalam pertanahan, didasarkan pada Undang-Undang Nomor 30 Tahun 2004 tentang Jabatan Notaris dan Peraturan Kepala Badan Pertanahan Nasional Republik Indonesia Nomor : 1 Tahun 2006 tentang Ketentuan Pelaksanaan Peraturan Pemerintah Nomor : 37 Tahun 1998 tentang Peraturan Jabatan Pejabat Pembuatan Akta Tanah. Keputusan Presiden Nomor 55 Tahun 1993 maupun Peraturan Presiden Nomor 65 Tahun 2006, peralihan hak atas tanah tersebut dapat dilakukan melalui/dihadapan Notaris dan/atau PPAT. Peran nyata keterlibatan notaris dalam pembangunan komplek kantor Pemerintah Kabupaten Sekadau adalah pembuatan Akta Notaris Nomor 9 tanggal 06 Juli 2005 tentang Surat Perjanjian Pelepasan Hak atas Tanah di antara PT Sinar Bintang Sakti dan Pemda Kabupaten Sekadau dan Pembuatan Akta Notaris No. 10 tanggal 06 Juli 2005 tentang surat Pengakuan hutang yang pada pokoknya Pemkab Sekadau mengakui mempunyai hutang kepada CHAN INDRA, dengan jaminan tanah yang telah diterima pelepasan hak atas tanah dari CHAN INDRA selaku Direktur PT. Sinar Bintang Sakti. Perdebatan Notaris berwenang untuk membuat akta yang berkaitan dengan akta-akta pertanahan mengakibatkan keraguan mengenai keabsahan terhadap akta notaris yang terdapat dalam proyek pembangunan perkantoran di Pemerintah Kabupaten Sekadau.Kata Kunci : Notaris, Pengadaan Tanah, Kabupaten Sekadau. ABSTRACTIn relation to the authority of Notary, as mentioned in UUJN Number 30 Year2004 jo Law Number 2 Year 2014, Article 15 paragraph (2) letter (f), that Notary has authority to make deed related to land.The problematic of this research is: What is the legal basis of Notary's Role in Transaction of Land Procurement For Development Site of Sekadau Regency Government Complex  what is the role of Notary In Transaction of Land Procurement For Development Site of Sekadau Regency Government Complex ?; and what are the consequences of the legal barrier to the Notary's Role in the Land Acquisition Transaction for the Location of the Sekadau Regency Government Complex ?This research is with juridical-empirical approach that comes from collecting data obtained from primary data and secondary data, then analyzed by qualitative analysis method. Data collection techniques used are interview techniques. Data analysis techniques used qualitative data analysis.The findings of the researcher indicate that the legal basis of Notary and / or PPAT in the land is based on Law Number 30 Year 2004 regarding Notary Position and Regulation of the Head of National Land Agency Number 1 Year 2006 regarding Provisions on Implementation of Government Regulation Number 37 Year 1998 on the Regulation of Officials of the Establishment of Deed of Land. Presidential Decree No. 55/1993 and Presidential Regulation No. 65/2006, the transfer of land rights can be done through / in the presence of a Notary and / or PPAT. The real role of notary involvement in the construction of the Sekadau District Government office complex is the making of Notarial Deed No. 9 dated July 6, 2005 concerning Letter of Agreement on the Release of Land Rights between PT Sinar Bintang Sakti and the Regional Government of Sekadau Regency and the Notarial Deed. 10 dated July 6, 2005, concerning letters of recognition of debt principally Pemkab Sekadau acknowledged to have a debt to CHAN INDRA, with guaranteed land that has been received the release of land rights from CHAN INDRA as Director of PT. Sinar Bintang Sakti. The debate of a Notary is authorized to make deeds relating to land deeds lead to doubts about the validity of the notarial deed contained in office building projects in the Sekadau District Government.Suggestions to lawmakers to anticipate differences in legal interpretation in the future, it is recommended that both Law No. 30 of 2004 in conjunction with Law Number 2 Year 2014 on UUJN and the Notary Profession Code of Ethics, to strengthen the explanation of legislation has been compiled.Keywords : Notary Public, Land Procurement, Sekadau District.

scholarly journals Evaluating the Group Lending Development at the Vietnam Bank for Agriculture and Rural Development: A Case Study in Bac Giang Branch II

2021 ◽  
Vol 3 (3) ◽  
pp. 679-688
Author(s):  
Do Quang Giam ◽  
Dao Thi Hoang Anh ◽  
Vu Ngoc Huyen ◽  
Lai Phuong Thao ◽  
Dao Huu Bao ◽  
...  
Keyword(s):  
Rural Development ◽  
Rural Areas ◽  
Poverty Reduction ◽  
Secondary Data ◽  
Primary Data ◽  
Small Scale ◽  
Political Organizations ◽  
Group Lending ◽  
The Status ◽  
Lending Activity

Group-based lending is a form of loan provision for individuals and households in rural areas for production and consumption purposes. Proceeding from the imbalance between demand and supply on small-scale capital, and also Government policies on sustainable poverty reduction, the Vietnam Bank for Agriculture and Rural Development (Agribank) has coordinated with its local authorities and socio-political organizations to provide loan services via group lending. The purpose of this paper was to evaluate the status of group lending development of the Agribank-Bac Giang Branch II. The paper used secondary data collected from the branch and primary data gathered from 50 representative customers and 10 credit officers related the group lending of the branch. Data analysis methods consisted of descriptive statistics and comparative analysis, incorporated with the measurements for bank performance and quality. The findings show positive prospects in both the bank and customers for the development of group lending activity and obstacles in the group lending development of the branch. The paper also proposes some solutions for the branch to tackle difficulties and promote the development of group lending in the branch in Bac Giang province.

ANALISIS MULTIPLAYER EFFECT KEBERADAAN PELABUHAN PERIKANAN TERHADAP EKONOMI USAHA KULINER DI PANGKALAN PENDARATAN IKAN BEBA, KEC. GALESONG UTARA, KAB. TAKALAR

2021 ◽  
Vol 4 (1) ◽  
pp. 74-90
Author(s):  
Muh Ramli ◽  
Danial Sultan ◽  
Ihsan Ihsan
Keyword(s):  
Impact Analysis ◽  
Local Community ◽  
Secondary Data ◽  
Primary Data ◽  
Type I ◽  
Economic Activities ◽  
Multiplier Effect ◽  
The Status ◽  
Income Multiplier ◽  
Multiple Impact

This study aims to identify the types of economic activity, characteristics and perceptions of visitors, business actors, labor towards culinary businesses and to determine the multiplier effect and sustainable development strategies for culinary businesses on the economic growth of local communities. This research was conducted from November 2020 to January 2021 at the Beba Fish Landing Base, Galesong Utara, Takalar Regency. This research uses simple random sapling technique. The data of this study consisted of primary data and secondary data. Data collection was carried out using questionnaires and field observations then analyzed descriptively and multiple impact analysis (Multiplier Effect) then analyzed using a SWOT analyst. Based on the research results, there are two types of economic activities in PPI Beba, namely, fishery activities and supporting activities (culinary business) of food made from fish as the main ingredient. In general, visitors who come to PPI Beba are aged between 45 years and over with the majority of jobs being civil servants with 51% of the total visitors as a whole the rest are entrepreneurs. While the majority of business actors are women in the age range of 40 - 50 years and over. Meanwhile, 81.8% of the culinary business workforce are women with the highest level of education in Elementary Schools. In general, the three recipes gave an assessment of the PPI Beba condition which was far from good. is the main business. The characteristics of the workforce are 74.3% female and 25.7% male, with the status of 65.7% being married and ages ranging from 28 - 45 years. And in general, visitors have a perception or give a moderate to good assessment of the accessibility to PPI Beba. Culinary efforts at PPI Beba have a real economic impact on the local community. The economic impacts arising from these activities are direct impacts, indirect impacts, and induce impacts as measured by the multiplier effect value, where the results of this study obtained a multiplier effect value of 2.15 for the Keynesian Income Multiplier; 1.10 for the income multiplier type I ratio, and 1.14 for the income multiplier type II ratio. This shows that the culinary business at PPI Beba can be developed into culinary tourism to see the opportunities that exist.

scholarly journals MOBILITAS SIRKULER DI DESA SEA SATU KECAMATAN PINELENG KABUPATEN MINAHASA

2018 ◽  
Vol 14 (2) ◽  
pp. 131
Author(s):  
Simon Samuel A. Wales ◽  
Agnes E. Loho ◽  
Jean F. J. Timban
Keyword(s):  
Home Ownership ◽  
Secondary Data ◽  
Civil Servant ◽  
Education Level ◽  
Primary Data ◽  
Cost Of Living ◽  
Head Office ◽  
The Status ◽  
The Cost ◽  
The Village

This study aims to determine the circular mobility that occurs in the Sea Satu Village, Pineleng Sub-district of Minahasa Regency, based on several aspects. The data needed to answer for the objectives is primary data and secondary data. Data were collected from direct interviews with respondents, as well as other data taken directly at the Village Head Office. The data were analyzed descriptively and described based on aspects related to circular mobility in this Sea Satu Village. The characteristics of circular mobility practitioners in Desa Sea Satu Village are due to aspects of age, gender, number of family members, education level, occupation type (TNI/POLRI), civil servant, private employee, entrepreneur, Honorer, Craftman, Driver and Ojek) , the number of dependents. The incentive factors are the types of transportation, mileage, and the towing factors are the status of home ownership, and the cost of living.*jnkd*.

scholarly journals TANGGUNG JAWAB HUKUM BADAN USAHA PELABUHAN TERHADAP KLAIM ATAS KELALAIAN PELAYANAN JASA BONGKAR MUAT BARANG KEPADA EKSPEDITUR

2020 ◽  
Vol 4 (4) ◽  
Author(s):  
Muhammad Rafiq Abdillah Duyo
Keyword(s):  
Qualitative Methods ◽  
Research Result ◽  
Secondary Data ◽  
Primary Data ◽  
Legal Research ◽  
Library Research ◽  
Litigation Process ◽  
Legal Consequences

This research is aimed to analyse legal consequences of port enterprise regarding claim over negligence in loading and uploading services to expeditor to investigate how the responsibility is performed by PT. Pelabuhan Indonesia IV regarding the claim over negligence in loading and uploading services to the expeditor and what measures are taken by the port enterprise to settle the dispute. This is an empirical legal research that employed socio-juridical approach. Primary data was obtained by conducting interviews and observation, while the secondary data from library research that relevantly supports the issue observed. All those types of data will be analysed with descriptive and qualitative methods. The research result reveals that the implementation of the responsibility of PT. Pelabuhan Indonesia IV is restricted by law. As implied in Article 468 Paragraph (2), if the port enterprise could provide proof of being not guilty, in which the goods are damaged when shipped or forwarding, this damage is not the responsibility of PT. Pelabuhan Indonesia IV. The claim can be responded through non-litigation process in which negotiation may take place between two involved parties.

scholarly journals Status Quo of Entrepreneurship in the Mekong River Delta

2021 ◽  
Vol 04 (04) ◽  
Author(s):  
Phuong Tran Thi My ◽  
Keyword(s):  
Secondary Data ◽  
Status Quo ◽  
River Delta ◽  
Mekong River ◽  
Primary Data ◽  
Second Primary ◽  
Mekong River Delta ◽  
Business Operations ◽  
The Status ◽  
Start Ups

In the context of an integrated economy with many opportunities and challenges, especially the Coronavirus disease (Covid-19) is causing many difficulties for all nations of the world, entrepreneurship is seen as an effective method to handle social problems and create new values for the economy. Promoting entrepreneurship in the Mekong River Delta is an urgent issue that determines each locality's long-term economic development potential. This study explores the status quo of entrepreneurship in the Mekong River Delta (MRD). The data for this study comes from two sources. First, secondary data was collected from three main publishments: (1) The report of Global Entrepreneurship Monitoring (GEM) about Entrepreneurship index in Vietnam 2017/2018, (2) 2017 Survey of Entrepreneurs and MSMEs in Vietnam, and (3) research papers related to entrepreneurship in the MRD. Second, primary data comes from the survey results of 406 graduates from colleges and universities in the MRD. The data was presented by graphs and tables. There are five key findings. First, entrepreneurial models in the MRD are not really creative and innovative. A mmajority of their products are popular and old, only 22,4% are new products. Second, business activities in the start-up stage, 41.1% of business operations have less than 25% foreign customers. Third, there are 93.3% of start-ups expect to create more than 6 jobs for the market. Fourth, 86% of people started a business because there was no better job choice. Fifth, commercializing and transferring scientific research results of the MRD’s government to the enterprise were evaluated the best in the ecosystem.

scholarly journals Fighting Money Politics and Shamanic Practices

2020 ◽  
Vol 5 (2) ◽  
pp. 169
Author(s):  
Guno Tri Tjahjoko
Keyword(s):  
Literature Review ◽  
Qualitative Methods ◽  
Secondary Data ◽  
Primary Data ◽  
Group Discussions ◽  
Female Candidate ◽  
Female Candidates ◽  
Video Studies

This study aims to describe the efforts of female candidates to break the practice of money politics and the influence of shamans in the 2018 Sriharjo subdistrict election (pilkades). The author used qualitative methods with a case study of the Sriharjo village-head election in Bantul Regency. The author collected primary data through interviews, in-depth group discussions, and observations. Secondary data were collected through a literature review, online articles, photos, and video studies of the pilkades process. The findings of this study show the practice of money politics carried out by “snipers,” whose job is to distribute envelopes containing money from house to house from night to dawn one day prior to election day. In addition, candidates also provide assistance and facilities to the community to get their votes. The success team also uses the services of shamans by spreading flowers in certain areas with the aim of spiritually binding people so as not to vote for other candidates. Responding to the competitor’s strategy, the female candidate employed the politics of conscience to empower the community, monitored the snipers of other candidates, built networks, and broke the spiritual powers.

scholarly journals Analytical Study of Similarity and Contrast Of Arabic Sounds in Indonesian Language (ar)

2019 ◽  
Vol 7 (1) ◽  
pp. 15-24
Author(s):  
Sirdiono Nata Akbar ◽  
Muflihah Muflihah
Keyword(s):  
Qualitative Methods ◽  
Analytical Study ◽  
Mother Tongue ◽  
Field Research ◽  
Secondary Data ◽  
Class Ii ◽  
Research Data ◽  
Primary Data ◽  
School Students ◽  
Conducting Research

It is unthinkable that errors in the pronunciation of Arabic voices can hinder understanding and lead to ambiguity and ambiguity in meaning. This study aims to determine the sound errors that researchers witnessed in Luqman al-Hakim Surabya school students. This study uses descriptive and qualitative methods for field research. The source of the data consists of primary data (samples of class II A students) and secondary data found from references related to research. While the method for collecting research data is using observation and interviews. After conducting research at the Luqman Al-Hakim School in Surabaya, the researcher found a sound error, namely the mention of letters that are similar to Tatwiriyah errors and errors in the mention of sounds in Arabic that are not found in Indonesian, namely the Prayer of Blessing. the cause of errors in the mention of the sound of Arabic in class II A students at Luqman Al-Hakim Surabaya School is ignorance and lack of application of rules in terms of sound also because of the influence of mother tongue, namely Indonesian.It is unthinkable that errors in the pronunciation of Arabic voices can hinder understanding and lead to ambiguity and ambiguity in meaning. This study aims to determine the sound errors that researchers witnessed in Luqman al-Hakim Surabya school students. This study uses descriptive and qualitative methods for field research. The source of the data consists of primary data (samples of class II A students) and secondary data found from references related to research. While the method for collecting research data is using observation and interviews. After conducting research at the Luqman Al-Hakim School in Surabaya, the researcher found a sound error, namely the mention of letters that are similar to Tatwiriyah errors and errors in the mention of sounds in Arabic that are not found in Indonesian, namely the Prayer of Blessing. the cause of errors in the mention of the sound of Arabic in class II A students at Luqman Al-Hakim Surabaya School is ignorance and lack of application of rules in terms of sound also because of the influence of mother tongue, namely Indonesian.

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