scholarly journals A IMPLEMENTASI SERVICE EXCELLENCE OLEH CUSTOMER SERVICE PADA BMT BISMILLAH SUKOREJO

2020 ◽  
Vol 2 (1) ◽  
pp. 15-23
Author(s):  
Alif Arfian Syah Alif
Keyword(s):  
Customer Service ◽  
Field Research ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Primary Data ◽  
Service Excellence ◽  
Excellent Service ◽  
Microfinance Institution ◽  
The Subject

As a well-known microfinance institution in Sukorejo, BMT Bismillah wants to always maintain its existence, by always providing service excellence to its customers so that customers become satisfied and loyal. For service excellence to be carried out, surely there must be a subject or actor who can deliver excellent service which is the main goal. The subject or actor intended is a customer service. BMT Bismillah certainly has service excellence standards that must be applied by customer service. Therefore, the authors are interested in researching how the service excellence implemented by Bismillah Sukorejo BMT customer service by analyzing it using existing standards. The main problem in this study is how the implementation of service excellence standards for services that actually occur in BMT Bismillah carried out by customer service. This type of research is field research by taking the location of research in BMT Bismillah Sukorejo using a qualitative approach. The data in this study consisted of primary data and secondary data obtained using the method of interviews (interviews) with customer service, documentation and observation. The results showed that customer service is able to implement the standards set by BMT Bismillah into services that have become its work, but not just any service but excellent service (service excellence) which includes the basic aspects ofAccountability, Action, Attention, Appearance, Attitude, Ability that is able to satisfy and attract customers to remain loyal to BMT Bismillah.Keyword : Service Excellence, Customer service, BMT Bismillah BMT Bismillah Prime ServicStandards

scholarly journals The Application of Maslahah Mursalah in A Mediation Process Between Disputant Parties

2020 ◽  
Vol 3 (1) ◽  
pp. 1-14
Author(s):  
Andika Catur Prastyo
Keyword(s):  
Data Collection ◽  
Field Research ◽  
Secondary Data ◽  
Qualitative Approach ◽  
District Court ◽  
Primary Data ◽  
Mediation Process ◽  
Legal Effect ◽  
Data Source ◽  
Islamic Economic

The purpose of this study is to explore how is the mediation process in the Sragen District Court ta in Sharia economic disputes. It also seeks to determine the suitability of the mediation process in terms of the Maslahah Mursalah. This research is a field research with a qualitative approach. The data source of this study consists of primary data and secondary data. The location of this study is in Sragen District Court. Data collection techniques in this study were using documentation and interviews. This study shows that the mediation process in Islamic economic disputes is not much different from other disputes. This research also reveals that there is a non-compliance with the existing regulations, i.e that peace which is carried out by the parties occurs outside the court and there is no Peace Act. Based on this, it will lead to a different legal effect

scholarly journals PRAKTIK PERCERAIAN ADAT LOMBOK DI MASA PANDEMI COVID-19 DITINJAU DARI SOSIOLOGI HUKUM

2021 ◽  
Vol 21 (01) ◽  
pp. 151-164
Author(s):  
Rahmatun Ulfa
Keyword(s):  
Legal System ◽  
Islamic Law ◽  
Field Research ◽  
Secondary Data ◽  
Legal Culture ◽  
Qualitative Approach ◽  
Primary Data ◽  
Government Officials ◽  
Administrative Services ◽  
Legal Structure

This study aims to examine the reality of the practice of customary divorce in Tawun hamlet, Lombok. As well as explaining the forms of customary divorce of the Tawun Hamlet community, in terms of sociological law. This research is a type of field research using a qualitative approach. Primary data and secondary data were collected by means of observation, direct interviews and documentation. To study further, the author uses the theory of the legal system from three elements, namely legal substance, legal structure, and legal culture. The results showed that the occurrence of customary divorce in Tawun Hamlet is a common thing and is not legally disputed by the court. Government officials from elements of village heads, hamlet heads and marriage registrar officers who contribute to customary divorce who participate in administering administrative services, clearly contradict the laws and regulations regarding marriage itself. In addition, people's understanding of divorce continues to be dominated by classical Islamic law and is textual, patriarchal, making the position of women not seen as important because divorce is understood only as a male right.

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

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

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

scholarly journals ANALISIS MODAL PINJAMAN DAN RENTABILITAS EKONOMI PADA KOPERASI PEGAWAI REPUBLIK INDONESIA (KPRI) KARYA BHAKTI DINAS KOPERASI UMKM PERINDUSTRIAN DAN PERDAGANGAN PROVINSI SULAWESI TENGAH

2015 ◽  
Vol 1 (2) ◽  
pp. 139-150
Author(s):  
Kharisman Haslan ◽  
Muslimin Muslimin ◽  
Muhammad Faisal
Keyword(s):  
Data Analysis ◽  
Trend Analysis ◽  
Annual Report ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Primary Data ◽  
Collection Method ◽  
Descriptive Research ◽  
The Subject ◽  
Central Sulawesi

This  research  aims  to  determine,  understand,  and  analyze  the influence  of  capital  lending  and economic profitability on the cooperative for The Indonesian Republic officials ‘Karya Bhakti’ of The Departement  of  Industry  Cooperation  and  Trading  at  Central  Sulawesi  Province.  It  is  a  descriptive research  using  quantitative  and  qualitative  approach that  consists  of  primary  data  and  secondary data.  Data  collection method to  obtain  the  primary  data  is  observation  on  Karya  Bhakti Employee Cooperative as the subject of research and secondary data obtained from the financial annual report Karya  Bhakti  Cooperative.  The analysis  of  loan  capital  and  economic  profitability  of  Karya  Bhakti Cooperative  is  measured  by  using  trend  analysis.  Based  on  the data  analysis  from  2008  to  2013,  it indicates  that  the  development of  Loan  capital  has  increased  every  year.  This  is  due  to  the development  of  the  business  managed  by  the  cooperatives operations,  while  the  development  of  the economic profitability has been fluctuated, as well as the result of trend analysis of  capital lending and economic profitability showed an increase every year. Penelitian  ini  bertujuan  untuk  mengetahui,  memahami  dan menganalisa   modal  pinjaman  dan rentabilitas  ekonomi  pada  KPRI Karya  Bhakti  Provinsi  Sulawesi  Tengah.  Penelitian  ini  merupakan penelitian deskriptif, dengan menggunakan pendekatan kuantitafif dan kualitatif yang terdiri dari data primer  dan  data  sekunder.  Dimana peneliti  mendeskripsikan  hasil  penelitian  dengan  menggunakan angka.  Proses  pengumpulan  data  penelitian  ini  menggunakan metode  observasi  yaitu  pengumpulan data primer pada KPRI Karya Bhakti yang menjadi objek penelitiandan data sekunder berupa laporan keuangan yang diperoleh dari laporan tahunan KPRI Karya Bhakti. Untuk mengukur Analisis modal pinjaman dan Rentabilitas Ekonomi KPRI Karya Bhakti menggunakan Analisis Trend. Berdasarkan  hasil  analisis  data  pada  tahun  2008 – 2013  menunjukan  bahwa   perkembangan  modal pinjaman mengalami kenaikan ditiap tahunnya hal ini disebabkan karna adanya perkembangan usaha yang  dikelola  koperasi  dimana  modal pinjaman  dibutuhkan  untuk  mendukung atau  membiayayi kegiatan oprasional  usaha  koperasi.  sedangkan  perkembangan  rentabilitas ekonomi  mengalami kenaikan  dan  penurunan.   Serta  hasil  analisis trend  modal  pinjaman  dan  rentabilitas  ekonomi menunjukan adanya peningkatan ditiap tahunnya.

SISTEM PELAYANAN BADAN AMIL ZAKAT NASIONAL (BAZNAS) KOTA SAMARINDA

DEDIKASI ◽  
2020 ◽  
Vol 21 (2) ◽  
pp. 106
Author(s):  
Sarwo Eddy Wibowo Dan Aidar Erika Toding Pali
Keyword(s):  
Service System ◽  
Secondary Data ◽  
Primary Data ◽  
Legal Basis ◽  
Good Service ◽  
Service Program ◽  
Excellent Service ◽  
The Subject ◽  
The Republic ◽  
The Government

Baznas as a trusted amil zakat body because it is centralized and regulated by the government of the Republic of Indonesia and has a legal basis, namely Law No. 23 of 2011 and has standardization and professionalism. This has triggered Baznas to continue to implement a good prime service system, especially in managing and distributing zakat. This is implemented through a zakat service program that seeks to ensure that zakat can be collected from benefactors and muzzaki in a professional and prime manner. This is what muzzaki demands besides good service as well as professional governance. This type of research uses a qualitative approach.  The subject of this research is the National Zakat Agency. Meanwhile, the object of research is the service system. Sources of data obtained by researchers are primary data in the form of interviews, observation and documentation and secondary data through library sources. The results of the research obtained are that the Samarinda City Baznas service system has a series of strategies and processes in zakat management starting from the process of zakat, infaq and sadaqah services, the collection and collection process, distribution programs, and improvement of human resources. The service system of Baznas Kota Samarinda is in accordance with the indicators of excellent service quality, namely transparency, accountability, conditionality, participation, equality of rights, and balance of rights and obligations

scholarly journals Asana Yoga Meditation As A Spiritual Development Ananda Marga Ashram Denpasar (Perspectives Theology Hindu)

2018 ◽  
Vol 2 (2) ◽  
pp. 301
Author(s):  
I Nyoman Sukarsa
Keyword(s):  
Spiritual Development ◽  
Field Research ◽  
Secondary Data ◽  
Training System ◽  
Qualitative Approach ◽  
Primary Data ◽  
Slow Speed ◽  
Peace Of Mind ◽  
Training Technique ◽  
The Times

<p>Research conducted at Ashram Yoga Ananda Marga guided by a desire to know more about the benefits of yoga asanas for an individual to develop himself physically, mentally and spiritually, yogis who have developed this yoga since thousands of years ago, until now characterized separately by emphasizing according to the type that occupied, in its implementation for the benefit of the health and maximize efforts to accelerate achieved the ultimate goal in life. The objectives to be achieved is to understand more clearly focused and in-depth about asana techniques as meditation Spiritual development is developed and implemented by a group Ananda Marga Ashram spiritual in Denpasar. The study used several theories, namely the theory of structural functionalism, system theory of learning, theory of Hindu theology. In this study the methods used in qualitative approach of primary data obtained through field research and secondary data which can be obtained from some of the literature that has relevance to the problems examined. Furthermore, all the collected data are analyzed in the description. Based on the data analysis, it can be concluded about the practice of yoga asanas, in its approach, asana yoga training system applied is the patterns not only classical but more modernity according to the times. Ananda Marga implement training technique known as practical Rajadhiraja which is an extension of the ancient Rajayoga system, also known as Astanga yoga. It is practiced in a relatively slow speed and each pose is repeated in a systematic way. The goal in the repetition is to balance the secretion of hormones that are essential for peace of mind.</p>

scholarly journals PERLINDUNGAN KONSUMEN TERHADAP PRODUK KOSMETIK IMPOR YANG TIDAK TERDAFTAR DI BBPOM DENPASAR

2017 ◽  
Vol 6 (1) ◽  
pp. 13
Author(s):  
Ni Putu Januaryanti Pande
Keyword(s):  
Consumer Protection ◽  
Field Research ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Primary Data ◽  
Cosmetic Products ◽  
The Law ◽  
The Right ◽  
The Way

Article 4 letter C the Laws no 8 of 1999 about Consumer Protection states that consumers have the right of correct, clear and truthful information about the condition and the guarantee of goods and/or services. Without distribution license from BPPOM meaning there is no guarantee that thise cosmetics are safe to use . The decision of the head of the BPOM of Republic of Indonesia no HK.00.05.4.1745 about cosmetics, also regulate the distribution of imported cosmetics that are not registered to be against the regulation of Article 2 letter c and Article 10 (1). But the facts in the field the implementation of the regulations of registering the imported cosmetic products are still met to n ot be according to the regulation of the laws. The primary data of this research is obtained through field research in the way of interviewing some informants and respondents. The secondary data in this research is obtained through the literature of the primary, secondary and thirdly legal materials,  according to the problems that will be discussed.  The data that has been collected whether from field's research or literature that has been treated with qualitative approach. From the research above, can be taken the conclusion that the implementation of the protection of the law to the consumers that suffer the loss from imported cosmetics that has not been registered is not implemented effectively. Other factors that influence the implementation of labelling Indonesian language on the packaging of the product is from the consumer's and the producer's awareness and also the obstacle of the related goverment's performance. Pasal 4 huruf c Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen menyatakan bahwa konsumen berhak atas informasi yang benar, jelas dan jujur mengenai kondisi dan jaminan barang dan/atau jasa. Tanpa ada izin edar dari BBPOM maka tidak ada jaminan bahwa kosmetik tersebut aman untuk digunakan. Keputusan Kepala BPOM Republik Indonesia nomor HK.00.05.4.1745 tentang kosmetik, juga mengatur  peredaran kosmetik impor yang tidak terdaftar melanggar ketentuan Pasal 2 huruf c dan Pasal 10 ayat (1). Namun faktanya di lapangan penerapan ketentuan pendaftaran produk kosmetik impor masih banyak dijumpai tidak mematuhi aturan perundang-undangan yang berlaku. Jenis penelitian yang digunakan dalam penelitian ini yakni penelitian hukum empiris yang mengkaji kesenjangan antara ketentuan peraturan pendaftaran kosmetik impor di BBPOM dengan pelaksanaannya di lapangan. Data primer dalam penelitian ini diperoleh melalui penelitian lapangan yaitu dengan cara melakukan wawancara langsung ke beberapa informan dan responden yang terkait. Data sekunder dalam penelitian ini diperoleh melalui penelitian kepustakaan terhadap bahan hukum primer, sekunder, dan tertier sesuai permasalahan yang akan dibahas. Data yang telah dikumpulkan baik dari penelitian lapangan maupun kepustakaan di olah dengan pendekatan  kualitatif. Dari hasil penelitian tersebut diatas, dapat diperoleh kesimpulan bahwa implementasi perlindungan hukum terhadap konsumen yang menderita kerugian akibat kosmetik impor yang tidak terdaftar belum efektif diterapkan. Faktor-faktor yang mempengaruhi implementasi pencantuman label berbahasa Indonesia pada kemasan produk kosmetik impor adalah  dari kesadaran konsumen, produsen dan adanya hambatan kinerja pemerintah terkait.

scholarly journals Tinjauan Fatwa DSN MUI Terhadap Penyelesaian Pembiayaan Murābaḥah Bermasalah (Studi Kasus di Bank Pembiayaan Rakyat Syariah Dana Amanah Surakarta)

2021 ◽  
Vol 5 (01) ◽  
pp. 164-182
Author(s):  
Mujahidin Yunani ◽  
M. Usman
Keyword(s):  
Data Collection ◽  
Financial Institutions ◽  
Field Research ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Data Sources ◽  
Primary Data ◽  
Final Solution ◽  
Qualitative Descriptive ◽  
Collection Methods

Murābaḥah is one of the most popular financing for Sharia Financial Institutions. Likewise, at the BPRS Dana Amanah Surakarta, murābaḥah financing is what customers are most interested in, therefore, among other financing products the risk is also higher. In addition, many customers choose deferred payments. This deferred payment creates several risks, one of which is financing problems. Many customers who are deemed capable are still procrastinating in terms of payment of installment obligations, this is what causes losses for the BPRS, where the more customers delay payment, the higher the level of Non Performing Financing (NPF) in a bank, causing the bank's condition to not healthy. Then the problem that will be raised in this study is how to solve the problematic murābaḥah financing in the BPRS Dana Amanah Surakarta and how the view of the fatwa DSN MUI towards the practice of solving the problematic murābaḥah financing in the BPRS Dana Amanah Surakarta. This study uses field research methods, with a descriptive qualitative approach. The data sources used are primary data and secondary data, with data collection methods through interviews with informants and documentation and then analyzed with qualitative descriptive methods. From the results of this study, it can be concluded that: (1) The steps for solving problematic murābaḥah financing at BPRS Dana Amanah Surakarta include billing, rescheduling, restructuring, customers selling their own goods, execution of collateral, AYDA and judicial channels. (2) The mechanism for the settlement of murābaḥah financing at BPRS Dana Amanah Surakarta is in accordance with the MUI DSN Fatwa and POJK No. 29/POJK.03/2019, except for the Fatwa DSN MUI No. 47 / DSN-MUI / II / 2005 on the provisions of point 5 regarding exemption for customers who are truly unable to pay off their financing payments, because in its implementation the BPRS Dana Amanah Surakarta implementing the final solution of problematic murābaḥah financing by way of settlement through the judiciary, if the BPRS performs debt relief, only the write-off records are written off, not the write-offs. Even though it has been written off, there is still a billing.

scholarly journals ANALISIS YURIDIS KEKUATAN ALAT BUKTI SAKSI TESTIMONIUM DE AUDITU DALAM SIDANG PERCERAIAN DI PENGADILAN AGAMA KABUPATEN MADIUN

2019 ◽  
Vol 1 (1) ◽  
Author(s):  
Rif'ah Roihanah ◽  
Irfina Cornelia
Keyword(s):  
Direct Evidence ◽  
Descriptive Analysis ◽  
Field Research ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Primary Data ◽  
Court Judge ◽  
Primary Data Source ◽  
Data Source ◽  
Analysis System

AbstractA witness is a person who gives testimony before a hearing by meeting certain conditions regarding an event or condition that is seen, experienced, heard itself as evidence of the event or condition. However, what if a witness who appears or is present at a hearing does not see or experience it directly, but hears the incident or situation through news from someone else (testimonium de auditu), while the Religious Court judge may not reject a case that is submitted and brought to him.The formulation of the problem in this study are: How is the juridical analysis of the strength of the evidence of witness testimonium de auditu in divorce cases in the Religious Court of Madiun Regency. And how is the juridical analysis of the judges of the Madiun District Religious Court in divorce cases regarding the use of witness testimonium de auditu.To answer the question above, the researcher used a qualitative approach, looking for data through interviews of the judges as the primary data source, then secondary data was obtained from books that have a connection with this problem. Furthermore, the data obtained were analyzed using a descriptive analysis system. In collecting data using field research techniques and making conclusions (verification). The location of this study was in the Religious Court of Madiun Regency.The results of the study concluded that the strength of the evidence of witness testimonies de auditu in the Religious Court of Madiun Regency according to the juridical study was not appropriate. However, in practice in the courtroom especially in divorce proceedings, the judge has the authority to examine the de auditu witnesses, and there is nothing wrong if the judge hears the testimony of the de auditu witnesses, but the use of de auditu witnesses is not as direct evidence. So de auditu's testimony can be used as a source of allegations. Keywords: Juridical Power, Evidence, Testimonium de Auditu AbstrakSaksi adalah orang yang memberikan keterangan di depan sidang dengan memenuhi syarat-syarat tertentu tentang suatu peristiwa atau keadaan yang dilihat,dialami, didengar sendiri sebagai bukti kejadian atau keadaan tersebut. Namun,bagaimana jika saksi yang muncul atau dihadirkan dalam sidang tidak melihat atau mengalami secara langsung, melainkan mendengar kejadian atau keadaan tersebut melalui kabar dari orang lain (testimonium de auditu), sedangkan hakim Pengadilan Agama tidak boleh menolak perkara yang masuk dan diajukan kepadanya.Rumusan masalah dalam penelitian ini adalah: Bagaimanakah analisis yuridis terhadap kekuatan alat bukti saksi testimonium de auditu dalam perkara perceraian di Pengadilan Agama Kabupaten Madiun. Dan bagaimanakah analisis yuridis terhadap pertimbangan hakim Pengadilan Agama Kabupaten Madiun dalam perkara perceraian tentang penggunaan saksi testimonium de auditu.Untuk menjawab pertanyaan di atas peneliti menggunakan pendekatan kualitatif, dengan mencari data melalui wawancara para hakim sebagai sumber data primer, kemudian data sekunder diperoleh dari buku yang memiliki keterkaitan dengan masalah ini. Selanjutnya data yang diperoleh dianalisis dengan menggunakan sistem deskriptif analisis.Dalam pengumpulan data menggunakan teknik penelitian lapangan (field research) dan pengambilan kesimpulan (verifikasi).Lokasi penelitian ini di Pengadilan Agama Kabupaten Madiun.Hasil penelitian menyimpulkan bahwa Kekuatan alat bukti saksi testimonium de auditu di Pengadilan Agama Kabupaten Madiun menurut kajian yuridis adalah tidak sesuai. Namun, dalam praktik di dalam sidang khususnya dalam siding perceraian, hakim mempunyai wewenang untuk memeriksa saksi de auditu, dan tidak ada salahnya jika hakim mendengarkan keterangan saksi yang de auditu tersebut, akan tetapi penggunaan saksi yang de auditu tidak sebagai bukti langsung. Sehingga kesaksian de auditu dapat dipergunakan sebagai sumber persangkaan.

scholarly journals Productive Zakat as a Fiscal Element for the Development and Empowerment of Micro Enterprises in East Java Province

2019 ◽  
Author(s):  
Ana Toni Roby Candra Yudha ◽  
Nurul Lathifah
Keyword(s):  
Social Life ◽  
Secondary Data ◽  
Qualitative Approach ◽  
Primary Data ◽  
Poverty Level ◽  
Medium Enterprise ◽  
The Subject ◽  
Main Instrument ◽  
Positive Effect ◽  
Micro Enterprises

Productive zakat is zakat whose purpose is for development and empowerment of poor-yetcapable mustahik. The purpose of this study is to understand, review and analyze the productive zakat as a fiscal instrument in reducing poverty level and transforming both economic and social life of mustahik. This research uses qualitative approach. Primary data is in the form of data of interview and observation; while secondary data is obtained from various literatures. This research also uses triangulation analysis from informants with similar background, including BAZ officers, mustahik, and zakat experts. The results show that productive zakat is not directly distributed to mustahik only, but through a program run by zakat institution partners. Partners are fully responsible for zakat funds provided by zakat agencies. Productive Zakah is proven to help reduce poverty and has a positive effect on reducing unemployment in East Java. So, it is clear that zakat is a very pro-poor fiscal instrument. This study includes the subject of productive zakat which has implications for some fundamental economic elements, such as micro, small, and medium enterprise (MSMEs), and poor. Therefore, in millennium era, zakat management becomes vital in collection, distribution, and supervision of zakat. Social media can be put as main “instrument” in supporting zakat institutions.

Sign in / Sign up

Export Citation Format

Share Document