Analisis Mitigasi Risiko Pada Pembiayaan Mudharabah di PT. Bank Syariah Mandiri

2020 ◽  
Vol 11 (1) ◽  
pp. 55-67
Author(s):  
Sofiyyatul Huda ◽  
Fajri Ryan Isnandar
Keyword(s):  
Data Analysis ◽  
Focus Group ◽  
Focus Group Discussion ◽  
Qualitative Method ◽  
Risk Mitigation ◽  
Descriptive Analysis ◽  
Group Discussion ◽  
Profit Sharing ◽  
Analysis Method ◽  
Is Research

Mudharabah financing is a form of cooperation between two or more parties, in which the ownerof the capital (shahibul maal) entrusts a certain amount of capital to the manager (mudharib) to bemanaged with a profit-sharing agreement (profit sharing). This study aims to determine what risksarise in mudharabah financing and how risk mitigation is carried out by Bank Syariah Mandiri. Thisresearch is research using descriptive qualitative method. Data were collected through observation,interviews with the FGD (Focus Group Discussion) method with 4 (four) sources and documentation.The method of data analysis was done by using the descriptive analysis method.. The results show thatthe risks that arise in mudharabah financing at Bank Syariah Mandiri are: First, the risk of financingcaused by the customer not being able to pay their obligations to the bank, and second, the legalrisk caused by the weakness of the agreement (agreement). As for the mitigation carried out by BankSyariah Mandiri in dealing with risks that arise in mudharabah financing, namely: First, by rigorouslyconducting 5C and 6A analysis. Second, by taking steps to save financing, including (1) intensivecollection, (2) giving warnings, (3) rescheduling, (4) reconditioning, (5) restructuring, (6) settlementthrough guarantee insurance, (7) Settlement through guarantees, (8) Settlement through Write Off,(9) Settlement through stipulation of fines / ta’wid. From risk mitigation carried out by Bank SyariahMandiri, it has been able to minimize the risks that occur in mudharabah financing.

scholarly journals MODEL KOLABORASI DALAM PENGEMBANGAN INDUSTRI KERAMIK DI PURWAKARTA INDONESIA

AdBispreneur ◽  
2020 ◽  
Vol 5 (1) ◽  
pp. 31
Author(s):  
Sam'un Jaja Raharja ◽  
Ria Arifianti ◽  
Rivani
Keyword(s):  
Data Analysis ◽  
Focus Group ◽  
Data Collection ◽  
Focus Group Discussion ◽  
Qualitative Method ◽  
Ceramic Industry ◽  
Group Discussion ◽  
Industry Collaboration ◽  
Ceramics Industry ◽  
Industry Needs

The ceramic industry in Purwakarta is one of the industry icons that continuously decreases competitiveness. To improve the competitiveness of the industry, collaboration between actors or institutions that have roles and functions in the development of the industry is needed. The purpose of study is to analyze the relations among actors or institutions, the factors that influence collaboration among actors and to build collaboration models in the development of ceramic industry in Purwakarta, Indonesia.  This research uses descriptive qualitative method. Data collection techniques used interviews and focus group discussion. Data analysis uses interactive model using mactor analysis  The results of study show that relations between actors show that the development of the ceramics industry in Purwakarta is managed independently, not collaboratively. This research suggests that the development of the Purwakarta ceramics industry needs to be done by using a collaboration model with one institution acting as a leading sectorIndustri keramik di Purwakarta adalah salah satu ikon industri yang terus menurunkan daya saing. Untuk meningkatkan daya saing industri, diperlukan kolaborasi antara aktor atau institusi yang memiliki peran dan fungsi dalam pengembangan industri. Tujuan dari penelitian ini adalah untuk menganalisis hubungan antara aktor atau institusi, faktor-faktor yang mempengaruhi kolaborasi antar aktor dan untuk membangun model kolaborasi dalam pengembangan industri keramik di Purwakarta, Indonesia. Penelitian ini menggunakan metode deskriptif kualitatif. Teknik pengumpulan data menggunakan wawancara dan diskusi kelompok terfokus. Analisis data menggunakan model interaktif menggunakan analisis mactor. Hasil penelitian menunjukkan bahwa hubungan antar aktor dalam pengembangan industri keramik di Purwakarta dikelola secara parsial-mandiri, bukan secara kolaboratif. Penelitian ini menyarankan dalam pengembangan industri keramik Purwakarta perlu dilakukan dengan menggunakan pendekatan model kolaborasi dengan satu lembaga yang bertindak sebagai leading sector.

scholarly journals KARAKTERISTIK SOSIAL EKONOMI NELAYAN DI KALI MARO KABUPATEN MERAUKE, PAPUA

2020 ◽  
Vol 6 (2) ◽  
pp. 99
Author(s):  
Maria Maghdalena Diana Widiastuti ◽  
Modesta Ranny Maturbongs ◽  
Sisca Elviana ◽  
Chair Rani ◽  
Andi Iqbal Burhanuddin
Keyword(s):  
Focus Group ◽  
Focus Group Discussion ◽  
Descriptive Analysis ◽  
Group Discussion ◽  
Profit Sharing ◽  
Government Support ◽  
Fishing Gear ◽  
Operational Costs ◽  
Transportation Modes ◽  
The Social

Pengelolaan Daerah Aliran Sungai Maro membutuhkan data komprehensif mengenai aktivitas pemanfaatan sungai tersebut. Tujuan penelitian ini mengidentifikasi karakteristik sosial ekonomi nelayan yang menangkap ikan di Kali Maro. Metode penelitian ini deskriptif analitis dengan pengambilan data nelayan menggunakan FGD (Focus Group Discussion). Kriteria responden adalah nelayan (pemilik dan anak buah kapal) yang mengambil ikan di muara dan Kali Maro. Jumlah responden sebanyak delapan belas orang. Hasil penelitian menunjukkan bahwa karakteristik nelayan di Kali Maro merupakan nelayan kecil dengan kepemilikan perahu kecil (semang) rata-rata 1 unit dengan kapasitas maksimum 2 ton. Jenis ikan yang diperoleh antara lain ikan kakap, ikan kuru, ikan kaca, ikan bandeng, ikan gulama, ikan duri, dan ikan herkules. Kalender musim menurut nelayan terbagi menjadi dua, yaitu musim ikan melimpah (Oktober - Februari) dan musim ombak yang menandakan sedikitnya tangkapan ikan (Maret - September). Sistem penangkapan dilakukan sendiri dengan tenaga kerja didominasi dari dalam keluarga. Pemasaran melalui pemborong langganan dengan model konsinyasi. Kelembagaan nelayan belum berfungsi sebagai produksi, media belajar, dan pemasaran. Regulasi secara adat hanya terjadi di hulu sungai, sedangkan di muara sungai tidak ada aturan informal maupun formal yang mengatur aktivitas perikanan di sungai. Biaya operasional per trip sebesar Rp462.835,00 dengan komponen terbesar bensin dan oli sebesar 42%. Belum ditemukan adanya hubungan agent principle yang tidak menguntungkan nelayan. Saran dari penelitian ini adalah menggerakan modal sosial nelayan untuk membentuk kelembagaan informal dan membangun regulasi yang mengatur aktivitas penangkapan ikan, pemasaran, sistem bagi hasil dengan ABK. Perlunya dukungan pemerintah untuk peningkatan alat tangkap, modernisasi moda transportasi dan sistem penyimpanan hasil, sistem rantai pasok pemasaran, serta membangun industri pengolahan hasil.Title: Socio Economic Characteristics of Fishermen in Maro River Merauke Regency, PapuaManagement of the Maro river need a comprehensive data of all activities in the river. The study aimed to identify the socio-economic characteristics of fishermen who catch fish in Maro River. Descriptive analysis were used The methodology is analytical descriptive by collecting fishermen data using FGD (Focus Group Discussion). Respondents’ criteria are fishermen (owners and crew members) who take fish in the estuary and the Maro River. The number of respondents are 18 people. The results of the study indicate that the characteristics of the fishermen in the Maro River are small fishermen with a small boat with boat ownership an average of 1 unit with maximum capacity 2 tonnes. Catch fish in Maro River as main livelihood. Fish types obtained include: Snapper, kuru, glass, milkfish, gulama, thorny fish and hercules.The season calendar according to fishermen is divided into 2 namely abundant fish season (October to February) and the wave season which indicates the small number of fish catches (March to September). The fisherman catch fish alone or with labor dominated from family member. Selling fish through subscriptions contractor with a consignment model. The fishermen’s institution has not functioned as a production, learning and marketing. There is custom regulation in upstream but no informal of formal regulation to manage fisheries activities in dowwnstream. Operational costs per trips Rp.462,835.00 with the largest component of gasoline and oil by 42 percent. There is no unfair agent principle relationship. Suggestions from this research are build the social capital of fishermen to form informal institutions and conduct regulations for fishing activities, marketing, profit sharing systems with crew members. Need government support to improvement of fishing gear, modernization of transportation modes and yield storage systems, marketing supply chain systems and build a processing industry. 

scholarly journals The Change of Butonese Cultural Landscape in Negeri Kawa, Molucas

2017 ◽  
Vol 9 (1) ◽  
pp. 61-69
Author(s):  
Ray March Syahadat
Keyword(s):  
Social Interaction ◽  
Focus Group ◽  
Focus Group Discussion ◽  
Qualitative Method ◽  
Cultural Landscape ◽  
Group Discussion ◽  
Landscape Dynamics ◽  
Literature Study ◽  
Depth Interview

As a maritime ethnic, Butonese people migrated to some places. A rather large amount of them are in Province of Maluku, Indonesia. This study aims at investigating Butonese cultural landscape in their new migrant region. Is there any different? If this study also aims to know social interaction among ethnics and how it affects Butonese cultural landscape dynamics. This study took place in Negeri Kawa, western part of Seram Regency, Maluku Province, on November 2015. The method used in the study was a qualitative method with in depth interview by snowball and triangulation technique, observation participation, focus group discussion (FGD), and literature study. The result showed that there is a different between Butonese cultural landscape in Buton and Negeri Kawa. Stereotype, presumption, and prejudice to Butonese people also occur. However, it is not always negative because from those three things, the process of acculturation and adaptation as a form of respect and prevention of Butonese culture can occur in Negeri Kawa.

scholarly journals DANA BANTUAN KEUANGAN PARTAI POLITIK DI SURAKARTA, SUDAHKAH TRANSPARAN DAN AKUNTABEL?

Wahana ◽  
2019 ◽  
Vol 22 (2) ◽  
pp. 157-168
Author(s):  
Titik Setyaningsih ◽  
Andi Asrihapsari ◽  
Doddy Setiawan
Keyword(s):  
Focus Group ◽  
Political Parties ◽  
Focus Group Discussion ◽  
Qualitative Method ◽  
Group Discussion ◽  
Financial Assistance ◽  
Financial Report ◽  
External Auditor ◽  
Transparency And Accountability

This study aims to explore transparency and accountability of political parties in Surakarta. This study uses a qualitative method. Data were gathered through focus group discussion. The findings show that political parties do not understand financial report of this entity’s financial assistance under PSAK 45 and they use simple bookkeeping. Political parties’s financial assistance is not audited by external auditor and there are some audit findings. The transparency principle is not achieved because financial report only for internal parties. This study raises one interesting result that political parties need the role of accountant to make their reports more accountable.

scholarly journals Consumer Preferences for The Design of Smoked Fish Packaging Using Conjoint Analysis

2018 ◽  
Vol 17 (2) ◽  
pp. 177
Author(s):  
Dwi Nurul Izzhati ◽  
Hasan Mastrisiswadi ◽  
J. Jazuli ◽  
Tita Talitha
Keyword(s):  
Focus Group ◽  
Conjoint Analysis ◽  
Focus Group Discussion ◽  
Qualitative Method ◽  
Consumer Preferences ◽  
Group Discussion ◽  
Packaging Design ◽  
Additional Information ◽  
Smoked Fish ◽  
Fish Industry

Research on smoked fish packaging has only focused on its functional side to increase product life. Meanwhile, research on smoked fish packaging design that focuses on improving and expanding markets has never existed. Until now, smoked fish was sold without packaging even though the amount of production continued to increase. The purpose of this study was to determine consumer preferences for the design of smoked fish packaging. With the recognition of these preferences, it is expected that the smoked fish industry players can apply it so that it can increase the sale value and the number of sales. This study uses focus group discussion as a qualitative method and conjoint analysis as a quantitative method. Color, material, shape, size, brand, and additional information is the attribute chosen at the focus group discussion as a representation of smoked fish packaging to determine the level of its preference. The results of this study indicate that brands have the highest preference compared to others (importance values 30.303%).

scholarly journals DAMPAK PELAKSANAAN PROGRAM CORPORATE SOCIAL RESPONSIBILITY (CSR) PT. HOLCIM INDONESIA, Tbk TERHADAP MASYARAKAT LOKAL DI KABUPATEN CILACAP

2018 ◽  
Vol 3 (01) ◽  
Author(s):  
Novita Novita ◽  
Francy Iriani
Keyword(s):  
Corporate Social Responsibility ◽  
Focus Group ◽  
Social Responsibility ◽  
Focus Group Discussion ◽  
Descriptive Analysis ◽  
Group Discussion ◽  
Self Regulation ◽  
Community Empowerment ◽  
Corporate Social ◽  
The Impact

Tujuan dari penelitian ini adalah untuk mengetahui jenis program Corporate Social Responsibility (CSR) PT. Holcim Indonesia Tbk serta dampak dari program tersebut terhadap masyarakat lokal di Kabupaten Cilacap. Sebagai perusahaan yang kerap menjadi badan usaha terbesar di lingkungannya, Holcim sadar akan tanggung jawabnya terhadap masyarakat. CSR adalah bentuk regulasi diri sebuah perusahaan yang diintegrasikan dalam model bisnis. Salah satu kegiatan CSR Holcim adalah pemberdayaan masyarakat di wilayah salah satu plant Holcim yaitu Kabupaten Cilacap. Metode penelitian yang digunakan dalam melakukan analisis adalah melalui studi literatur, wawancara, observasi, kuesioner, dan Focus Group Discussion dengan para pengurus, kader, dan anggota masyarakat. Sedangkan responden yang menjadi sampel penelitian adalah 25 posdaya yang berdiri sebelum program CSR PT Holcim Indonesia Tbk dengan jumlah responden 111 orang, dan 11 posdaya yang merupakan bentukan PT Holcim Indonesia Tbk dengan jumlah responden 37 orang. Teknik analisis data yang digunakan adalah analisis deskriptif dan analisis kuadran. Berdasarkan analisis dari variabel yang telah diamati, hasil dari penelitian ini menunjukkan bahwa jenis program CSR yang dilakukan PT. Holcim Indonesia Tbk terhadap masyarakat Kabupaten Cilacap adalah berupa gerakan pemberdayaan masyarakat dan desa dalam bentuk Posdaya. Program ini berdampak pada terjadinya perbaikan dalam hal kepengurusan Posdaya serta kemandirian ekonomi masyarakat. Selain itu PT. Holcim Indonesia, Tbk melakukan pendampingan secara berkelanjutan serta evaluasi terhadap kegiatan yang telah dilaksanakan. Kata Kunci: Corporate Social Responsibility, Pemberdayaan Masyarakat, Posdaya, Keberlanjutan The purpose of this research is to know the types of Corporate Social Responsibility (CSR) program done by PT.Holcim Indonesia Tbk as well as the impact of the program on the local communities of Cilacap district. As one of the largest business entity in its environment, PT Holcim,Tbk aware of its responsibility towards the society. CSR is done by PT Holcim, tbk, as a form of self-regulation that is integrated in their business model. One of their CSR is done by empowering community in the region. This research is conducted in one of the Holcim plant in Cilacap district. The analytical methods used in this research are: studying the related literature, interviews, observations, questionnaires, and Focus Group Discussion (FGD) with the Executive Board, cadres, and community members of Posdaya. The research sample are 25 Posdaya that are established before PT Holcim Indonesia CSR program Tbk directed to the society with the total number of respondents are 111 people, and 11 Posdaya which were formed by PT Holcim Indonesia Tbk, with the total number of respondents are37 people.The data gathered then analyzed using descriptive analysis and quadrant analysis.The result of this research shows that the type of CSR programs done by PT. Holcim Indonesia Tbk. on Kabupaten Cilacap society are: The type of CSR done in the form of community empowerment movement that called as Posdaya. The program done by PT Holcim Tbk has an impact on the improvement of the managerial skills of the Posdaya organizing comitee, and the empowerment program is also improving the economic independence of the member of Posdaya as well as the district community. In addition, PT. Holcim Indonesia Tbk provides guidance on an ongoing basis to the Posdaya management and provides evaluations on the activities carried out by Posdaya. Key Words: Corporate Social Responsibility, Community Empowerment, Posdaya, Sustainability.  

scholarly journals Developing of Annual Program Guidance and Counseling in Higher Education

2018 ◽  
Vol 3 (3) ◽  
Author(s):  
Fandy Kurniawan
Keyword(s):  
Higher Education ◽  
Focus Group ◽  
Research And Development ◽  
Focus Group Discussion ◽  
Content Validity ◽  
Group Discussion ◽  
Guidance And Counseling ◽  
Rater Agreement ◽  
Is Research ◽  
Product Test

This study aims to develop and determine the feasibility of the annual program of guidance and counseling in higher education. The method used in this research is Research and Development (R & D) Research and development carried out by adopting the concept of research and development by Borg and Gall. Based on product test using inter-rater agreement models, it is concluded that the product has fulfilled the content validity of 0.76 or can be categorized as valid (good). Furthermore, based on the results of Focus Group Discussion (FGD), it is concluded that the product can be categorized well, but needs to be refined by making improvements given.

scholarly journals BUILDING PESANTREN ENTREPRENEURSHIP THROUGH INTERNAL INITIATIVE AND EXTERNAL DEVELOPMENT

2021 ◽  
Vol 10 (1) ◽  
pp. 97-110
Author(s):  
Muhardi Muhardi ◽  
Dedih Surana ◽  
Nandang Ihwanuddin ◽  
Handri Handri
Keyword(s):  
Focus Group ◽  
Field Study ◽  
Focus Group Discussion ◽  
Qualitative Method ◽  
Group Discussion ◽  
Driving Factor ◽  
The Government ◽  
External Development ◽  
Descriptive Qualitative

The objective of this research is to analyze the role of internal initiative driven by pesantren leaders and external development provided by the government in building pesantren entrepreneurship. This research was conducted by utilizing a descriptive qualitative method, with a sample of 5 pesantrens in Garut Regency, Indonesia. The data obtained in this research was collected through focus group discussion (FGD) with a number of stakeholdrs as informant namely leaders of the 5 pesantrens taken as sample along with a couple of their students. Based on field study, we discovered that the success of pesantren in building entrepreneurship activities are dominantly determined by internal initiative and creativity driven by entrepreneurs/managers/ initiators of pesantren, supported by their students. Other pesantrens that have succeeded to build their economic independencies have also received assistance from the government through one pesantren one product (OPOP) program as external development driving factor, which motivated these pesantrens to contribute and to help the government to achieve the goals of this program.

scholarly journals Translation Techniques of Modality Metaphor in Anne of Green Gables

2021 ◽  
Vol 11 (1) ◽  
pp. 68
Author(s):  
Yurike Suhertian Poyungi ◽  
Mangatur Nababan ◽  
Riyadi Santosa
Keyword(s):  
Content Analysis ◽  
Focus Group ◽  
Focus Group Discussion ◽  
Group Discussion ◽  
The Novel ◽  
Analysis Method ◽  
Translation Research ◽  
Anne Of Green Gables ◽  
Systemic Functional Linguistic ◽  
Translation Techniques

This is a descriptive qualitative research that aims to analyze the types of modality metaphor and their translation techniques in the novel entitled Anne of Green Gables. It is a translation research using Systemic Functional Linguistic (SFL) approach. Data were collected by content analysis and focus group discussion (FGD). The data were analyzed by Spradely’s data analysis method. The content analysis is used to analyze the types of modality metaphor based on Halliday and Matthiessen’ theory. Furthermore, the translation technique is analyzed by Molina and Albir’s classification and is done by focus group discussion. The result of this research shows that there are two types of modality metaphor found in the novel, they are probability and obligation. Moreover, the translation techniques that used to translate the modality metaphor are established equivalence, compensation, paraphrase, modulation, deletion, discursive creation and implicitation. The use of these translation techniques shows the translator creativity to translate the modality metaphor. 

scholarly journals STRENGTHENING PLURALISM IN LITERATURE LEARNING FOR CHARACTER EDUCATION OF SCHOOL STUDENTS

2019 ◽  
Vol 7 (3) ◽  
pp. 207-213
Author(s):  
Ali Imron A.M. ◽  
Farida Nugrahani
Keyword(s):  
Data Analysis ◽  
Focus Group ◽  
Data Collection ◽  
Character Education ◽  
Qualitative Method ◽  
Group Discussion ◽  
School Students ◽  
Semiotic Model ◽  
Data Source ◽  
Study Techniques

Purpose: The purpose of this study is to describe the aspects of pluralism in literature as a portrait of socio-cultural society and to describe the aspects of pluralism as a literary material for character education, in particular, the affirmation of student nationalism. Methodology: This research uses the descriptive qualitative method. Data source are literary works containing pluralism dimensions in poetry, fiction, and drama genres. Data collection through library study techniques and in-depth interviewing and Focus Group Discussion. Data analysis is done by reading the method of the semiotic model including heuristic reading (language level) and hermeneutic reading (interpretation level of meaning). Results: Result of research and discussion are the aspect of pluralism in literature is a portrait of socio-cultural condition of diversity at society and the aspects of pluralism can be stressing as a literary material for character education, especially the affirmation of nationalism of school students. Implications: Thus, pluralism literature is a literature that expresses the notions of diversity that reflect the real portrait of the Indonesian nation.

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