scholarly journals KEPASTIAN HUKUM RESTRUKTURISASI KREDIT PERBANKAN KEPADA USAHA MIKRO, KECIL DAN MENENGAH PADA MASA COVID-19 DI PT. BANK SUMUT KANTOR CABANG PEMBANTU TANJUNG MORAWA

2021 ◽  
Vol 16 (2) ◽  
pp. 293-304
Author(s):  
Talita Fildzah Nadilah
Keyword(s):  
Field Research ◽  
Library Research

Dengan sulitnya perekonomian dari debitur sehingga berdampak terhadap usahanya dan kemampuan membayar angsuran kredit, tentu harus tercapai kesepakatan untuk penyelamatan kredit bermasalah dan untuk tercapainya program Stimulus Perekonomian Nasional. Dengan dilaksanakannya restrukturisasi kredit covid-19, maka harus ada kepastian hukum dalam pelaksanannya. Rumusan masalah dalam penelitian ini yaitu bagaimana mekanisme pelaksanaan restrukturisasi kredit perbankan kepada Usaha Mikro, Kecil dan Menengah pada masa Covid-19 di PT. Bank Sumut Tanjung Morawa, bagaimana hambatan dalam pelaksanaan restrukturisasi kredit perbankan kepada Usaha Mikro, Kecil dan Menengah pada masa Covid-19 di PT. Bank Sumut Tanjung Morawa, bagaimana kepastian hukum dalam restrukturisasi kredit perbankan kepada Usaha Mikro, Kecil dan Menengah pada masa Covid-19 di PT. Bank Sumut Tanjung Morawa.                                     Jenis penelitian yang dipergunakan dalam menyelesaikan tesis adalah penelitian yuridis normatif. Sifat dari penelitian tesis ini yaitu deskriptif analisis. Menggunakan pendekatan penelitian Undang-Undang (statute approach). Tekhnik pengumpulan data dilakukan melalui library research dan field research, yang didapatkan melalui studi dokumen dan pedoman wawancara.                                                                                       Mekanisme dan proses pengajuan restrukturisasi kredit perbankan Kepada Usaha Mikro, Kecil dan Menengah (UMKM) pada masa Covid-19 sudah sesuai dengan yang ketentuan yang diatur dalam Surat Edaran Bank Sumut tentang  Stimulus Perekonomian Nasional Sebagai Kebijakan Countercyclical Dampak Penyebaran Coronavirus Disease 2019 yang tetap mengacu kepada Surat Edaran Bank Sumut Tentang Pelaksanaan Restrukturisasi Kredit. Hambatan yang dihadapi yaitu Debitur tidak kooperatif dan tidak memiliki itikad baik serta usaha debitur sudah tidak berjalan lagi. Kepastian hukum dalam rangka pelaksanaan restrukturisasi kredit kepada UMKM di Bank Sumut Kantor Cabang Pembantu Tanjung Morawa dapat berupa kepastian  ketersediaan aturan hukum bagi pelaksanaan restrukturisasi kredit yang terdampak Covid-19, kepastian bagi debitur yang beritikad baik untuk dapat melanjutkan pembayaran angsuran kreditnya yang bermasalah, kepastian bagi pihak bank untuk mendapat kembali dana yang telah diberikannya kepada debitur yang mengalami kemacetan pembayaran sebagai dampak penyebaran Covid-19.                  Disarankan pada penerapan restrukturisasi kredit Covid-19 ini Bank harus cermat memilih debitur yang dapat diberikan restrukturisasi kredit agar tidak salah sasaran. Pihak Bank harus memiliki strategi dan upaya untuk menghadapi segala hambatan dalam pelaksanaan restrukturisasi kredit covid-19 agar tujuan dari restrukturisasi kredit tersebut dapat terlaksana. Untuk memberikan kepastian hukum kepada debitur yang terdampak Covid-19 perlu ada penyempurnaan kebijakan perkreditan dan bank harus meningkatkan kompetensi teknis dan kemampuan untuk memitigasi risiko kredit kepada pengelola kredit

AKAD FINANCING OF MURABAHAH BETWEEN CUSTOMERS WITH MUAMALAT BANKS HARKAT VIEWED FROM SHARI'AH PRINCIPLES

2020 ◽  
Vol 10 (1) ◽  
pp. 13-26
Author(s):  
Candra Irawan ◽  
Adi Bastian ◽  
Febrozi Rohadi
Keyword(s):  
Data Collection ◽  
Financial Institutions ◽  
Research Method ◽  
Economic Condition ◽  
Field Research ◽  
Comprehensive Analysis ◽  
Islamic Banks ◽  
Legal Research ◽  
Trading System ◽  
Library Research

Currently in Indonesia Islamic Bank has gained a place and interested in the community, causing many emerging Syari'ah Bank and Financial Institutions of the syari'ah, and products in Islamic banks are widely used is murabahah financing. The formulation of the problem in this research are: (1). How is the implementation of the sale and purchase through murabahah financing between Bank Muamalat Harkat with customers. (2). Is trading system murabahah financing between Bank Muamalat Harkat and customers have been according to the principles of Syari’ah. (3). How murabahah financing efforts to resolve the breach between the customer and Muamalat Harkat. This research method is empirical legal research, this study was conducted in Bank Muamalat Harkat based data collection through field research such as interviews, observation and description as well as information from respondents through library research. The results of this research are: before an agreement Bank to assess carefully the prospective customer in the form of a comprehensive analysis and is divided into several stages, such as the assessment using the principle of 5C Character (Character of the debitor), Chapacity (Capability Candidate Debitor) , Capital (Capital candidate Debitor), Collateral (Collateral candidate Debitor) and Condition of economy (economic condition of the prospective Borrower). Trading system murabahah financing between Bank Muamalat Harkat with the customer has not fully based on the principles of the Syari'ah. Murabahah financing efforts to resolve the defaults can be solved by R3 is Restrukturing (Arrangement Back), Reconditioning (Terms Back) and Rescheduling (rescheduling), sales collateral and auction execution. 

Akulturasi Budaya pada Ornamen Eksterior Masjid Agung Jawa Tengah: Analisis Semiotik

Metahumaniora ◽  
2017 ◽  
Vol 7 (2) ◽  
pp. 40
Author(s):  
Panji Maulani
Keyword(s):  
Middle East ◽  
Middle Eastern ◽  
Field Research ◽  
Research Process ◽  
Analytic Method ◽  
Important Thing ◽  
Eastern Culture ◽  
Observational Measures ◽  
Central Java ◽  
Library Research

ABSTRAKProses penelitian ini dilakukan dengan melakukan penelitian lapangan danpenelitian kepustakaan. Analisis mendalam terkait akulturasi budaya pada arsitektur MasjidAgung Jawa Tengah didapat melalui penggunaan metode deskriptif-analitik dengan langkahlangkahobservatif. Langkah-langkah tersebut disesuaikan dengan sumber terkait, sehinggadata pada objek penelitian dapat dideskripsikan serta dianalisis dengan pendekatan budayadan arsitektur. Penelitian ini menjadi penting untuk dilakukan karena Masjid Agung JawaTengah memiliki ornamen eksterior yang sangat khas, berbeda dengan ornamen masjidraya-masjid raya lain di Indonesia, yang umumnya memiliki ornamen eksterior yang hanyaberakulturasi dengan budaya Timur Tengah. Pada Masjid Agung Jawa Tengah kita dapatmerasakan suasana seperti di masjid Nabawi dan suasana Colloseum di zaman Romawi.Terdapat 6 buah payung hidrolik seperti di masjid Nabawi dan gerbang Al-Qanathir yangmenyerupai Colloseum pada pelataran masjid akibat pembangunan Masjid Agung JawaTengah menggunakan paduan tiga unsur budaya: Jawa, Timur Tengah, dan Romawi.Kata kunci: akulturasi, ornamen, masjid agung, Jawa TengahABTRACTThe research process was conducted by field research and library research. Depthanalysis related to acculturation on the architecture of the Central Java Great Mosque obtainedusing descriptive-analytic method with observational measures. The steps are adapted to thecorresponding source, so that data on the research object can be described and analyzed withcultural and architectural approach. This research becomes important thing to do because ofthe Great Mosque of Central Java has a very distinctive exterior ornament, in contrast to theother great mosques in Indonesia, whose the exterior ornament is generally only acculturatedwith Middle Eastern culture. In Central Java Great Mosque we can feel the atmosphere likeat the Nabawi Mosque and the atmosphere of the Colosseum in Roman times. There are sixpieces of hydraulic umbrella like in Nabawi Mosque and Al-Qanathir gate that resembles theColosseum in the courtyard of the mosque as the result of the construction of the Central JavaGreat Mosque using a combination of three elements of culture: Java, Middle East, and Roman.Keywords: acculturation, ornament, grand mosque, Central Java

Kedudukan dan Fungsi Bahasa dalam Permuseuman

Metahumaniora ◽  
2019 ◽  
Vol 9 (1) ◽  
pp. 54
Author(s):  
Erlina Zulkifli Mahmud ◽  
Taufik Ampera ◽  
Yuyu Yohana Risagarniwa ◽  
Inu Isnaeni Sidiq
Keyword(s):  
Human Life ◽  
Field Research ◽  
Communicative Function ◽  
Language Functions ◽  
The Past ◽  
Library Research ◽  
History Of ◽  
And Function ◽  
Museum Guides ◽  
Bahasa Indonesia

Kedudukan dan fungsi bahasa sebagai alat komunikasi manusia mencakup seluruh bidang kehidupan termasuk ilmu pengetahuan antara lain terkait sejarah peradaban manusia; bagaimana manusia mempertahankan hidupnya, bagaimana manusia memperlakukan alam, bagaimana alam menyediakan segala kebutuhan manusia. Apa yang dilakukan manusia saat ini, saat lampau, dan apa yang dilakukan manusia jauh di masa prasejarah, bagaimana kondisi alam di masa-masa tersebut, apa perubahan dan perkembangannya, dapat didokumentasikan melalui bahasa, divisualisasikan kembali, lalu dipajang sebagai salah satu upaya konversai dan preservasi dalam satu institusi yang disebut museum. Penelitian ini membahas kedudukan dan fungsi bahasa dalam permuseuman. Bagaimana kedudukan dan fungsi bahasa dalam permuseuman baik dalam informasi yang disampaikan oleh pemandu wisata museumnya maupun yang terpajang menyertai benda-benda dan gambar-gambar merupakan tujuan dari penelitian ini. Metode penelitian yang digunakan adalah gabungan antara metode lapangan dan metode literatur. Hasil penelitian menunjukkan bahwa secara umum kedudukan bahasa Indonesia berada pada urutan pertama setelah Bahasa Inggris dan keberadaan kedua bahasa dalam permuseuman ini melibatkan dua fungsi utama bahasa, yakni fungsi komunikatif dan fungsi informatif.The existence and function of language  as a medium of communication covers all fields of human life including knowledge, one of them is the history of human civilization; how humans survived, how human utilized nature for their lives, and how nature provides all the necessities for humans. What humans have been doing now, what they have done in the past and far before that in the pre-history time, how the conditions of the nature at those times were and what changes as well as progresses occurred are documented using language, then re-visualized,  displayed as one of conservation and preservation acts in an institution called museum. This research discusess the existence and function of language in museums. How important the existence of a language in museums and what language functions used in museums both in informations given by the museum guides and on the displays accompanying objects and pictures are the aims of this research. The methods used are the combination between field research and library research. The results show that generally the existence of Indonesian language plays more important role than English and both languages have two main functions; communicative function and informative function.     

SELISIH BIAYA PRODUKSI SEBAGAI ALAT PENGENDALIAN MANAJEMEN PT INDO PUSAKA BERAU

2019 ◽  
Vol 3 (02) ◽  
pp. 397
Author(s):  
SAFITRI NURHIDAYATI ◽  
RIZKI AMELYA SYAM
Keyword(s):  
Raw Materials ◽  
Field Research ◽  
Analytical Tool ◽  
Production Costs ◽  
Raw Material ◽  
Labor Costs ◽  
Material Costs ◽  
Library Research ◽  
The Difference ◽  
The Cost

This study aims to analyze whether the difference that occurs in the cost of raw materials, direct labor, and factory overhead costs between the standard costs and the actual costs in PLTU LATI is a difference that is favorable or unfavorable. Data collection techniques with field research and library research. The analytical tool used is the analysis of the difference in raw material costs, the difference in direct labor costs and the difference in factory overhead costs. The hypothesis in this study is that the difference allegedly occurs in the cost of raw materials, direct labor costs, and factory overhead costs at PT Indo Pusaka Berau Tanjung Redeb is a favorable difference. The results showed that the difference in the cost of producing MWh electricity at PT Indo Pusaka Berau Tanjung Redeb in 2018, namely the difference in the price of raw material costs Rp. 548,029.80, - is favorable, the difference in quantity of raw materials is Rp. 957,216,602, - is (favorable) , the difference in direct labor costs Rp 2,602,642,084, - is (unfavorable), and the difference in factory overhead costs Rp 8,807,051,422, - is (favorable) This shows that the difference in the overall production cost budget is favorable or profitable. This beneficial difference shows that the company is really able to reduce production costs optimally in 2018.  

APPLICATION OF AKAD IJARAH ISLAMIC LAW IN THE AL-QUR'AN

ISLAMIKA ◽  
2020 ◽  
Vol 14 (1) ◽  
pp. 1-11
Author(s):  
Ade Jamarudin ◽  
Ofa Ch Pudin
Keyword(s):  
Financial Institutions ◽  
Islamic Law ◽  
Financial Institution ◽  
Field Research ◽  
Secondary Data ◽  
Research Field ◽  
Islamic Banking ◽  
Library Research ◽  
Human Labor ◽  
Leasing Company

Ijarah is a contract on the transfer of goods or services with rewards instead. Ijarah based transactions with the displacement benefit (rights to), not transfer of ownership (property rights), there ijara financing translates as buying and selling services (wages hired), that take advantage of human power, there is also a translate lease, which take advantage of goods. Application ijarah growing financial institutions in the current Shari'ah is happening on the leasing company (financial institution based on Islamic teachings, as well as Islamic banking is one of the products in Islamic finance. Application ijarah emerging financial institutions shari'ah 'ah at the moment that is happening on the leasing company (financial institution based on Islamic teachings, as well as Islamic banking is one of the Islamic financing products). This research is a library research (library research) and field research (field research), and is descriptive, analytic and comparative. Data sources used in this study are sourced from primary and secondary data. Ijarah transactions are based on the transfer of benefits (use rights), not the transfer of ownership (ownership rights), some translate ijarah financing as the sale and purchase of services (wage wages), i.e., taking the benefits of human labor

scholarly journals Rating Effective Factors on Motivating Employees for Job Persistence by Using Fuzzy AHP Method: A Case Study among the Employees of the Deqat Khodro Kousha (IPACO) Company

2016 ◽  
Vol 12 (7) ◽  
pp. 159
Author(s):  
Seyed Mehdi Khadem ◽  
Darush Rahmati ◽  
Ali Yavari ◽  
Seyed Ehsan Etemadifar ◽  
Alireza Eftekharian
Keyword(s):  
Human Resources ◽  
Fuzzy Ahp ◽  
Field Research ◽  
Ahp Method ◽  
Financial Status ◽  
Effective Factors ◽  
Needed Information ◽  
Library Research ◽  
First Time

The goal of this research is to prioritize effective factors on motivating employees to keep on working and determining the most important effective factors on the employees' motivation. In this paper, to grade effective factors on the employees' motivation for keeping on to work, the Fuzzy AHP method, which is one of the multi-standard decision-making methods was utilized. Field research and library research methods were used for collecting the needed information.  Results indicated that among the effective factors on the employees' motivation for job persistence, the health factor is the most important and financial status is the second most important factor. The least importance is given to the significance of the work for that person. In this paper, the effective factors on the employees' motivation for job persistence were rated for the first time. Results of this research are very useful in devising strategies that are related to keeping employees for the human resources' executives. The results of this paper are not applicable to all organizations. Furthermore, in this research, only the factors with positive impacts on employees for job persistence were rated.

scholarly journals Pergaulan dalam Pertunangan dan Khalwat fi Ma’na al-Haml: Studi Budaya Pertunangan di Daerah Madura

2019 ◽  
Vol 6 (1) ◽  
pp. 35-55
Author(s):  
Abdur Rakib
Keyword(s):  
Social Movements ◽  
Empirical Data ◽  
Islamic Law ◽  
Family System ◽  
Field Research ◽  
Research Field ◽  
Qualitative Approach ◽  
Statistical Procedures ◽  
Library Research ◽  
Culture History

This research basically is to find the position of ‘urf as one of the theories that can provide legal changes in an authoritative-inclusive way to fiqh in the word khalwat in the definitive aspects of syar'iyyah in relation to culture of riding with fiancees in the Madura area. As an external consideration in cultural studies, ‘urf is one of the continuous theories with the discussion of adat to determine law in an authoritative-inclusive manner. In this study using a type of field research (field research) because it involves empirical data that views law as a set of behaviors, actions, and reality. In addition, also library research (library research) to obtain data about a norm while reviewing theories with a qualitative approach because it cannot be obtained by mathematical or numerical statistical procedures, so that it can contain about people's lives (culture), history, ethics, social movements , or family system. From the process of analyzing the meaning of khalwat using the theory of ma'na al-haml with the consideration of 'urf in which there are several elements of maslahat, this study concludes that' urf can change the position of Islamic law by combining consideration of several conditions through the process of changing meaning used in redefining the word khalwat. So as to enable culture to be engaged during the engagement period as happened in the Sumenep and Madura communities in general as a consideration of ‘valid urf. Keywords: Relationship in Engagement, ‘Urf, and Madura.

scholarly journals Uang Panai Dalam Budaya Bugis-Makassar

2021 ◽  
Vol 21 (2) ◽  
pp. 428-434
Author(s):  
Ibrahim Kadir ◽  
Nurmi Nonci ◽  
Harifuddin Halim
Keyword(s):  
Field Research ◽  
Library Research

Tujuan dari penelitian ini yaitu untuk memahami dan mengetahui Untuk mengetahui persepsi masyarakat terhadap uang panai dan dampak sosial uang panai terhadap masyarakat di Kab. Pangkep. Dalam penelitian ini digunakan dua jenis data, pertama data primer yakni data yang diperoleh secara langsung dilapangan, dan data sekundcr yaitu data yang diperoleh melalui studi kcpustakaan. Teknik pengumpulan dat pun dilakukan dengan dua cara yaitu Penelitian Lapangan (Field Research) dilakukan dengan cara wawancara bersama pihak-pihak terkait lmtuk diperoleh data primer dan Penelitian Kepustakaan (Library Research) dilakukan dengan cara membaca serta menelaah literatur maupun buku-buku serta peraturan Undang-Undang yang terkait dengan masalah yang di teliti untuk mendapatkan data sekunder. Perjanjian pembayaran uang panai merupakan syarat pinangan berupa uang pembayaran pihak laki-laki kepada pihak perempuan. Uang panai’ yang diberikan oleh mempelai laki-laki jumlahnya lebih banyak dari Mahar. Secara sosial wanita mempunyai kedudukan yang tinggi dan dihormati. Selain itu uang panai juga merupakan salah satu bentuk penghormatan terhadap wanita yang akan dinikahinya tersebut. Tetapi dengan fenomena Uang Panai’ yang terbilang tidak sedikit nominalnya banyak pemuda-pemuda yang mengucilkan harapannya untuk segera menikah, malah tidak jarang mempengaruhi psikologi seseorang untuk melakukan hal-hal yang tidak lazim, misalnya kasus pemuda yang membawa lari atau mengajak kabur anak gadis orang (silariang).

scholarly journals PENGARUH FAKTOR KEUANGAN DAN PEMASARAN TERHADAP KELAYAKAN USAHA PO. KERIPIK PISANG SUSENO DI BANDAR LAMPUNG

2018 ◽  
Vol 2 (2) ◽  
Author(s):  
Yudiana Yudiana ◽  
Keyword(s):  
Research Method ◽  
Net Present Value ◽  
Field Research ◽  
Payback Period ◽  
Internal Rate Of Return ◽  
Present Value ◽  
Financial Feasibility ◽  
Library Research ◽  
Interview Methods ◽  
Library Support

Abstract The object of research is PO. Pisang Suseno Bandar Lampung Chips located at Jalan Ikan kakap No. 78 Teluk Betung. PO. The problem studied was to find out the influence of financial and marketing factors on business feasibility of PO. Suseno Banana Chips in Bandar Lampung because of the business feasibility of PO. Suseno Banana Chips in Bandar Lampung business feasibility PO. Suseno Banana Chips in Bandar Lampung are declining. The research method used in this study is library research carried out by reading and studying books, scientific works and other library support related to this research and field research conducted by examining directly on PO. Suseno chips in Bandar Lampung through interview methods and questionnaires related to financial and marketing factors to the business feasibility of Suseno Keripik in Bandar Lampung. The results showed that the influence of financial and marketing factors on business feasibility of PO. Suseno Chips in Bandar Lampung, Based on calculations and research results from several financial feasibility criteria, it can be seen that the Net Present Value (NPV) is 226,745,626 and the Profitability Index (PI) is 1.87, the Internal Rate of Return (IRR) is 40.47% and Payback period (PP) for 2 years 23 days. This business should be developed in the direction of a larger processing industry given the products of PO chips. Suseno is a product that is quite popular with the community and this business can be used as an example by various parties who want to pursue similar businesses.

scholarly journals MEKANISME PERLINDUNGAN HUKUM HAM TERHADAP PEREMPUAN DAN ANAK

2021 ◽  
Vol 16 (1) ◽  
pp. 36
Author(s):  
A. Valentino Sinaga ◽  
Ronny A. Maramis ◽  
Emma V. T. Senewe
Keyword(s):  
Field Research ◽  
Library Research

Penelitian bertujuan untuk mengetahui mekanisme perlindungan hak asasi manusia terhadap perempuan dan anak sebagai kelompok rentan; kebijakan perlindungan; dan penanggulangan terhadap perempuan dan anak sebagai kelompok rentan dari kekerasan dan korban kejahatan. Penelitian menggunakan pendekatan penelitian yuridis normatif yang bersifat kualitatif. Penelitian dilakukan melalu studi kepustakaan (library research). Penelitian lapangan (field research) adalah penelitian yang dilakukan dengan mengumpulkan data-data langsung dari pihak yang berkompeten. Data dianalisis melalui dua tahap, pertama menggunakan strategi analisis umum yang disebut strategi menggandakan proposisi teoritis (relying on theoretical prepositions), tahap kedua menggunakan teknik analisis yang disebut dengan explanation building. Hasil penelitian menunjukkan bahwa pemerintah telah membuat peraturan perundang-undangan nasional yang bertujuan melindungi kelompok rentan tertentu selain perempuan dan anak, termasuk didalamnya mekanisme pemajuan dan perlindungan hak asasi manusia serta adanya Rencana Aksi Nasional Hak Asasi Manusia (RAN-HAM). Peraturan-peraturan tersebut selanjutnya dijalankan oleh pemerintah daerah dalam hal ini Dinas Pemberdayaan Perempuan dan Perlindungan Anak Daerah melalui Unit Pelaksana Teknis Daerah Provinsi Sulawesi Utara dalam mekanisme perlindungan hukum dengan menjabarkan dalam aturan-aturan daerah serta bekerjasama dengan berbagai pihak terkait. Dalam praktiknya, antara lembaga-lembaga Masyarakat Pemerhati Perempuan dan Anak belum bersinergi secara maksimal dengan Dinas Pemberdayaan Perempuan dan perlindungan Anak Daerah Provinsi Sulawesi Utara. Selain itu belum ada MoU antara stakeholder terkait dengan Dinas Pemberdayaan Perempuan dan Perlindungan Anak Daerah Provinsi Sulawesi Utara. Hasil penelitian dapat disimpulkan bahwa terdapat berbagai regulasi tentang perlindungan perempuan dan anak yang menjadi acuan, namun belum ada hukum yang secara khusus mengatur bentuk pencegahan dan penanggulangan tindak kekerasan terhadap perempuan dan anak. Hukum positif yang berlaku untuk menuntut kejahatan dan pelanggaran di sektor publik adalah KUHP. Diantaranya kasus bullyng antara pelaku anak dan korban anak yang tejadi dibeberapa kabupaten/kota yang viral akhir-akhir ini, sampai saat ini belum ada kepastian hukuman dalam bentuk edukasi yang jelas yang tertuang dalam Undang-Undang Perlindungan Anak.

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