Efektivitas Program Perumahan Bersubsidi Pada Produk KPR BTN Sejahtera iB (Studi Kasus: Bank Tabungan Negara Kantor Cabang Syariah Bekasi)

2020 ◽  
Vol 11 (1) ◽  
pp. 43-54
Author(s):  
Fuji Rahayu ◽  
Rafika Rahmawati

The purpose of this study was to determine “The Effectiveness of the Subsidized Housing Programon KPR BTN Sejahtera IB Products (Case Study: Bank Tabungan Negara Bekasi Sharia BranchOffice)”, this research includes field research (field research) with qualitative methods and supportedby library research (library research). ) relating to the effectiveness of the subsidized housing programon KPR BTN Sejahtera IB products. Data collection techniques for this study consisted of observation,interviews, and documentation. As well as data analysis techniques for this thesis research usingtechniques: data reduction, data presentation and drawing conclusions. Measurement of effectiveness,seen from three factors, namely: first, convenience, second, target accuracy, and third, affordability.Based on the results of the research, it shows the effectiveness of the subsidized KPR program, namelythe convenience factor because the requirements, processes, forms of service, and administrative costshave been effective and affordable because it is easy for the public to obtain information about KPRBTN Sejahtera IB at Bank Tabungan Negara Bekasi Sharia Branch Office, monthly installments. ,details and total costs during the contract that are not burdensome, payment facilities have helpedcustomers, and there are no sanctions or fines if they experience arrears in payments every month,while the ineffectiveness is seen in the factor of the accuracy of targeting because many customerswho take the subsidized housing program are not occupied but only for investment. Therefore, it mustbe improved in all its aspects in order to produce optimal effectiveness for the subsidized housingprogram on the KPR BTN Sejahtera IB product at the Bekasi Sharia Branch Office State Savings Bank.

2020 ◽  
Vol 16 (2) ◽  
pp. 166-179
Author(s):  
Siti Rofingah

Abstract This research was conducted with the aim of describing the childcare methods carried out by three early marriage families in Ponjong District, Gunungkidul Regency. The background of this research is the existence of government policy in Law Number 1 of 1974 article 7 paragraph (1) concerning Marriage which explains the minimum age limit for marriage so that the benefit of the household is achieved, but the phenomenon of early marriage is still happening in the District of Ponjong Regency Gunungkidul, even able to maintain the household and be able to carry out childcare duties at a young age if reviewed psychologically immature mentally, emotionally, psychologically and physically. This type of research is a qualitative research with a type of case study research (field research). Determination of informants by purposive sampling. The subjects of this study were three families of early marriage, children of early marriage partners (if they were able to provide information) and the Young Clerk of the Wonosari Religious Court Law. Then, the object of research is the method of parenting early marriage partners. Data collection techniques used were observation, interviews, and documentation. While the data analysis techniques used are data reduction, data presentation and conclusion making. The results showed that the methods carried out by early marriage couples included exemplary education methods, methods through habituation, education methods through advice and dialogue, as well as education methods through the awarding and punishment. The three early marriage families apply a number of collaborative methods for parenting. Keywords: childcare methods, early marriage.


Author(s):  
Ayat Hasanul Alfarisi

The Tengku Diujung restaurant is one of the tourist destinations that is frequently visited by tourists because the restaurant has a mainstay menu that is in demand by many visitors, one of which is lobster noodles. However, each sales report still records data manually, sometimes experiencing errors due to inaccuracies in recording data. The formulations in this study are; how to manage all data on reports of receipts, orders, and sales or expenditures of goods, and whether employees are easy to find data, and how to manage data on receipts, orders, and sales or expenditures of goods. To complete the data needed in the preparation of this study, the authors use writing sources, namely; Library Research, Field Research, and Interviews and Observatories. From the results of the discussion on "Inventory Information System at the Tengku Diujung Restaurant (Simeulue Regency)" the author can conclude that the use of a manual system has limitations in selling goods. This information system, makes it easier for the restaurant to present information about revenue, ordering, and sales data to its customers. Although it requires a lot of money, it is worth the ease with which it is obtained, and designing this application will speed up the production of receipts, orders, and sales reports. The results of this study are the development of an Inventory Information System application with 9 (nine) inputs in the form of; data on goods, suppliers, customers, receipts, expenses, stocks, transactions, and application users. There are 6 (six) output designs consisting of; goods data, suppliers, customers, receipts, expenses, and stock reports.


Author(s):  
Muslem Abdullah

Home Safe is a temporary residence that is used to provide protection against victims in accordance with the prescribed standards. Safe house strongly is needed immediately to be built in accordance with the provisions of the law because the victim can tell and feel safe in the safe house. Integrated service center women and Children Empowerment have the task and function to prevent and handle domestic violence that the victims suffer. The problem formulation in this research is that it has not fulfilled the protection of domestic Violence as it has not been formed a safe house in Aceh province. In the discussion of researchers use the type of normative administrative research that is library Research (library) and field research (field) and use qualitative method of data derived from interviews, report notes, documents and others. Based on the research can be obtained the following results: the form of domestic violence that is the cause is economic factors in the family, factors of infidelity, drug factors, the innate factors of the perpetration itself, and Relationship between a married couple who is not balanced. While the P2TP2A effort in reducing domestic violence is to do socialization to Gampong-Gampong to the public about the laws of PKDRT law so that people know about the realm of law that occurs over violence Women. It can be concluded that domestic violence has decreased with the socialization and other performance of the P2TP2A institutions and is advised to immediately build safe houses for victims of domestic violence.Key words: Safe House, Domestic Violence Victims, Aceh


2018 ◽  
Vol 24 (1/2) ◽  
pp. 84-105 ◽  
Author(s):  
Daniel Marasquini Stipp ◽  
Márcio Lopes Pimenta ◽  
Daniel Jugend

Purpose The aim of this paper is to characterize how innovation may happen through cross-functional teams (CFT) in an organization of the public sector. Design/methodology/approach A case study helped to characterize several behavior patterns, team structures and respective links with generating innovation in internal processes and public answering contexts. Findings The results highlight that formal-temporary teams present a higher capacity to generate incremental innovation in products, whereas permanent-informal teams have a higher capacity to generate innovation in the internal processes and public answering contexts. Research limitations/implications The limitations of this research relate to the fact that this is a single case study, and although it is an important case to examine innovation and CFTs, by its very nature, it is not possible to extend and generalize the obtained data to other organizations. The evaluation of its propositions was merely qualitative, and future research is needed to validate its characteristics. Practical implications Several settings of CFTs are presented, as well as their ability to generate different types of innovation, such as the computerization of documents, petitions and papers, which decreases the time to answer the taxpayer. Moreover, CFTs can help to create products, such as computer programs that can be used not only locally but also in several public organizations related to tax management. Originality/value The field research provides the perceptions of the respondents regarding CFT characteristics that can lead to specific types of innovation, as well as the types of products or services that can be generated by these processes.


ISLAMIKA ◽  
2020 ◽  
Vol 14 (1) ◽  
pp. 1-11
Author(s):  
Ade Jamarudin ◽  
Ofa Ch Pudin

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


2018 ◽  
Vol 1 (2) ◽  
pp. 228-244
Author(s):  
Asmawarna Sinaga ◽  
Anjur Perkasa Alam ◽  
Fariz Arkan ◽  
Sri Wahyuni Hasibuan

  Analysis of the amount of financing the hajj bailout for the cost of the pilgrimage (Case Study of Bank Sumut Syariah Sub-Branch Stabat).Asmawarna Sinaga and Anjur Perkasa Alam. Hajj financing is a loan from a sharia bank to customers to cover the shortage of funds to obtain a seat (seat) Hajj at the time of repayment BPIH (Hajj Travel Expenses). This financing product uses the Qardh Wal Ijarah principle. The purpose of this research is to know the view of Islamic law against financing of Hajj bailout fund and to know the view of Islamic law about ujrah fee on akad of bailout fund of Hajj. This research is field research. The definition of the Hajj bailout is a bailout fund from a bank to a special customer to cover kekurangandana to cover the lack of funds to obtain a portion number at the time to pay the cost of organizing the pilgrimage. The research design uses a qualitative approach with non-statistical analysis While the data analysis techniques use content analysis and interactive methods consisting of data reduction, data collection, data presentation and conclusion. The results of this study note that the akad bailout funds in Islamic banks contain multi-akad, where the contract used qardh and ijarah is allowed. While the view of Islamic law regarding the taking of ujrah fee on hajj bailout fund is not in accordance with sharia due to the percentage of ujrah fee based on qardh fund.


2016 ◽  
Vol 12 (7) ◽  
pp. 159
Author(s):  
Seyed Mehdi Khadem ◽  
Darush Rahmati ◽  
Ali Yavari ◽  
Seyed Ehsan Etemadifar ◽  
Alireza Eftekharian

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.


2019 ◽  
Vol 6 (1) ◽  
pp. 35-55
Author(s):  
Abdur Rakib

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.


2020 ◽  
Vol 2 (1) ◽  
pp. 103-116
Author(s):  
Ema Dwi Fitriyani ◽  
Abu Mansur ◽  
Syarnubi Syarnubi

Morality children in Indonesia have experienced morality degradation which is very concering starting from, drug abuse, student brawls, and criminal acts. The cause of the decline in child morality is deviant associations, the entry of westernized culture, resulting in a negative state. There fore we need an educational instution that can foster children’s morality, one of which is the pesantren eductional instution. This study aims to determine what learning models are carried out by pesantren in fostering the morality of students. And to find out what factor support and hinder the pesantren of student’s morality In pesantren Sabilul Hasanah.. This research includes qualitative field research, using a case study approach  to perfrom deep ekspolasi and research informants using purposive sampling. Data collection techniques using, observation, interviews, and documentation while the data analysis techniques uses data reduction, data display and verification. The results of this study indicate that the pesantren learning model in fostering the morality of students in pondok pesantren Sabilul Hasanah Banyuasin getting very good attention from the pesantren. This is shown from the rules which are applied by the pesantren which is arranged through manners and laws pesantren Sabilul Hasanah Banyuasin. Supporting factors in fostering student morality seen from the pesantren environment and ways of parenting the chaplain. Inhibiting factors in discussing the morality of students consisting of internal factor that come from within the student and external factor originating from the family and community evironment.    


2021 ◽  
Vol 1 (1) ◽  
pp. 75
Author(s):  
Uus Ahmad Husaeni ◽  
Huzni Farhany ◽  
Nina Nurkomalasari ◽  
Farid Faisal

ABSTRAKTujuan penelitian ini adalah untuk menganalisis konsep spiritual marketing dalam pemasaran prodi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Suryakancana yang pada akhirnya terjadi peningkatan jumlah mahasiswa dari tahun ke tahun. Metode penelitian ini menggunakan penelitian kepustakaan (library research). Adapun metode pengolahan data yang digunakan adalah dengan mengumpulkan data-data yang diperoleh dari penelitian lapangan, peraturan-peraturan dan buku-buku yang diolah serta dianalisis dengan menggunakan metode kualitatif. Kesimpulan dari penelitian ini yaitu implementasi spiritual marketing dalam upaya memasarkan prodi-prodi pada Fakultas Ekonomi dan Bisnis Islam Universitas Suryakancana sangat dianjurkan, mengingat dampak dari penerapannya sangat menguntungkan bagi peningkatan jumlah mahasiswa. Implementasi konsep spiritual marketing pada akhirnya akan menumbuhkan rasa loyalitas dan trust pada benak masyarakat akan kredibilitasnya terhadap FEBI. Adapun keuntungan dalam jangka panjang, FEBI akan memperoleh wallet share dari siklus spiritual marketing yang dapat digunakan sebagai modal pengembangan ekonomi syariah dimasa yang akan datang. ABSTRACTThe purpose of this study is to analyze the concept of spiritual marketing in the marketing of the Islamic Economics Department which in turn has increased the number of students from year to year. This research method uses library research. The data processing method used is to collect data obtained from field research, regulations and books which are processed and analyzed using qualitative methods. The conclusion of this research is that the implementation of spiritual marketing in an effort to market of Islamic Economic department at the Faculty of Islamic Economics and Business (FEBI), Suryakancana University is highly recommended, considering the impact of its application is very beneficial for increasing the number of students. The implementation of the spiritual marketing concept will ultimately foster a sense of loyalty and trust in the minds of the public regarding its credibility towards FEBI. As for the long-term benefits, FEBI will get a wallet share from the spiritual marketing cycle which can be used as capital for the development of the Islamic economy in the future.


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