scholarly journals Penghapusan Kebijakan Denda Keterlambatan pada Pembiayaan Bermasalah PT Bank BNI Syariah

2019 ◽  
Vol 2 (2) ◽  
pp. 1-34
Author(s):  
Laode Arahman Nasir ◽  
Wasilah Wasilah

This study aims to analyze the policy of late charge elimination applied to PT Bank BNI Syariah. This policy was initiated at the year of 2016 which predictably lead to the inclination of problematic financing at BNI Syariah. This study provides evaluation and recommendation for policy implementation to reduce the number of problematic financing. This study uses qualitative methods with a case study approach. The research instrument used was through the interview process with BNI Syariah and the DSN (Dewan Syari‟ah Nasional/ Read: National Board of Islamic Law) of MUI (Majelis Ulama Indonesia/ Read: Indonesian Muslim Scholars Council). The results of the study reveals that the application of a fine-elimination policy was applied because of bank doubts about the application of fines to sharia and fines that have no effect on the bank’s income. PT Bank BNI Syariah uses persuasive policies and still applies the ta'widh policy after the application of the fine is eliminated. This policy has a positive impact on marketing but is still vulnerable to an increase in the level of Non Performing Financing (NPF).

2018 ◽  
Vol 2 (2) ◽  
pp. 1-34
Author(s):  
Laode Arahman Nasir ◽  
Wasilah Wasilah

This study aims to analyze the policy of late charge elimination applied to PT Bank BNI Syariah. Thispolicy was initiated at the year of 2016 which predictably lead to the inclination of problematicfinancing at BNI Syariah. This study provides evaluation and recommendation for policyimplementation to reduce the number of problematic financing. This study uses qualitative methodswith a case study approach. The research instrument used was through the interview process with BNISyariah and the DSN (Dewan Syari‟ah Nasional/ Read: National Board of Islamic Law) of MUI(Majelis Ulama Indonesia/ Read: Indonesian Muslim Scholars Council). The results of the studyreveals that the application of a fine-elimination policy was applied because of bank doubts about theapplication of fines to sharia and fines that have no effect on the bank’s income. PT Bank BNI Syariahuses persuasive policies and still applies the ta'widh policy after the application of the fine iseliminated. This policy has a positive impact on marketing but is still vulnerable to an increase in thelevel of Non Performing Financing (NPF).


2013 ◽  
Vol 1 (2) ◽  
pp. 176-185
Author(s):  
Vita Fradiantika ◽  
Sukadiyanto Sukadiyanto

Penelitian ini bertujuan untuk mengetahui perilaku supporter sepakbola PSIM Yogyakarta. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi kasus. Informan dalam penelitian ini menggunakan tiga orang pengurus Brajamusti, tiga orang pengurus The Maident, dan untuk tria-ngulasi menggunakan subjek Presiden Brajamusti, Ketua Umum The Maident, dan dua anggota kepo-lisian. Teknik pengumpulan data dalam penelitian ini menggunakan wawancara mendalam dengan pedoman wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwa kedua kelompok supporter Brajamusti dan The Maident berperilaku fanatik dalam memberikan dukungan terhadap PSIM, sehingga sering menimbulkan perkelahian antarsupporter. Faktor yang menjadi penyebab pecahnya Brajamusti adalah faktor politik yang dilakukan oleh pihak tertentu untuk kepentingan politiknya. Dampak positif yang dihasilkan oleh kedua kelompok supporter berupa dukungan finansial hasil pembelian tiket setiap menonton pertandingan PSIM. Sedangkan dampak negatifnya adalah adanya persaingan yang tidak sehat antara Brajamusti dan The Maident sehingga dukungan kepada PSIM menjadi tersamarkan.  PSIM’s SUPPORTER BEHAVIOURAbstract This study aims to investigate the behavior of PSIM’s (Perserikatan Sepakbola Indonesia Mataram) supporters. This study used qualitative methods with case study approach. Informants used in this study consist of three members of Brajamusti board and three members of the Maident board. For the triangulation, in this study the Brajamusti President, Chairman of The Maident, and two police officers were interviewed. The results showed that Brajamusti and The Maident are behave fanatic in providing support to PSIM, so that often cause fights between supporters. Factor that cause the broken of Brajamusti is political that made by certain parties for political interests. The positive impact of these two groups of supporters are their contribution for buying tickets in every time they watch PSIM, so it can be a financial support. While the negative impact of the two groups of supporters are the unfair competition between them  that makes support for PSIM become obscured. Keywords: behavior, football, supporters


2020 ◽  
Vol 4 (2) ◽  
pp. 229
Author(s):  
Muhammad Eko Atmojo ◽  
Helen Dian Fridayani

Kulon Progo Regency is one of the districts that has many innovations, one of which is community empowerment in collaboration with a modern shop abbreviated as the shop name owned by the people (tomira). This research was motivated by the achievements of the Kulon Progo district government in carrying out development and innovation in the development of the Kulon Progo region by fully involving the Kulon Progo district community through community empowerment. This initiative was taken by the government of Kulon Progo Regency to improve community empowerment and protect the people of Kulon Progo Regency from various economic threats. Considering that in the past few years many modern shops have mushroomed in each district/city, so this is what makes Kulon Progo Regency move quickly to empower the community by collaborating between MSMEs or cooperative with modern shops. This study uses a qualitative method which case study approach. With the empowerment that has been done, the original products of Kulon Progo Regency or local products can be traded in modern stores so that local products in Kulon Progo Regency can compete with national products in these modern stores. The existence of such cooperation will indirectly improve the image of Kulon Progo Regency and lift the original products of Kulon Progo Regency. The lifting of the original products of Kulon Progo Regency will have a positive impact on the community, where indirectly the economy of the community will increase so that there will be prosperity for the community. Kabupaten Kulon Progo adalah salah satu kabupaten yang memiliki banyak inovasi, salah satunya adalah pemberdayaan masyarakat bekerja sama dengan toko modern disingkat nama toko yang dimiliki oleh masyarakat (tomira). Penelitian ini dilatarbelakangi oleh pencapaian pemerintah kabupaten Kulon Progo dalam melakukan pengembangan dan inovasi dalam pengembangan wilayah Kulon Progo dengan melibatkan sepenuhnya masyarakat kabupaten Kulon Progo melalui pemberdayaan masyarakat. Inisiatif ini diambil oleh pemerintah Kabupaten Kulon Progo untuk meningkatkan pemberdayaan masyarakat dan melindungi masyarakat Kabupaten Kulon Progo dari berbagai ancaman ekonomi. Menimbang bahwa dalam beberapa tahun terakhir banyak toko-toko modern telah menjamur di setiap kabupaten/kota, jadi inilah yang membuat Kabupaten Kulon Progo bergerak cepat untuk memberdayakan masyarakat dengan berkolaborasi antara UMKM atau bekerjasama dengan toko-toko modern. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan studi kasus, dengan metode yang digunakan adalah dokumentasi. Dengan pemberdayaan yang telah dilakukan, produk asli Kabupaten Kulon Progo atau produk lokal dapat diperdagangkan di toko modern sehingga produk lokal di Kabupaten Kulon Progo dapat bersaing dengan produk nasional di toko modern ini. Adanya kerjasama tersebut secara tidak langsung akan meningkatkan citra Kabupaten Kulon Progo dan mengangkat produk asli Kabupaten Kulon Progo. Pencabutan produk asli Kabupaten Kulon Progo akan berdampak positif bagi masyarakat, di mana secara tidak langsung perekonomian masyarakat akan meningkat sehingga akan ada kesejahteraan bagi masyarakat.


2014 ◽  
Vol 1 (2) ◽  
Author(s):  
Putu Hening Wedhanti ◽  
I Gusti Ayu Diah Fridari

Homosexual is an interest in feeling or in erotic, both are in predominant or exclusiveness against individuals who has a similarity in sexes violent or without involves interaction physical, while gay is term to mention man who likes fellow man as partners sexual, and have interest both in feeling or erotic, both in dominant and exclusive and also with or without any relation physical (Putri, 2013) Faithfulness is a form of behaviors that performed recurrently that will eventually become a permanent nature. Directed toward your faithfulness also means that individual in relationship was able to rely to keep commitments together, which has agreed by Cloud&Townsand (in Sari, 2008). The aim of this research is to find out the dynamics of faithfulness to gay. This research using qualitative methods by case study approach to describe the dynamics of faithfulness in gay relationship. To collecting data in this research used interview technique and used 4 subject. This research used thematic coding for analyzing data. The result of this study suggest that in a world of a gay, most individuals within it are the people who run the principle of free life, where they hang out and behaving freely without any rules that tie it. Generally the respondents in this study say that faithfulness is crucial and absolutely there are in relationship but not all gay capable of running commitment to remain faithful.   Keywords: Homosexual, Gay, Faithfulness, Qualitatife, Case study


2020 ◽  
Vol 6 (9) ◽  
pp. 1909
Author(s):  
Ahmad Fahmi Abdurrahman ◽  
Sri Herianingrum

This study purpose to recognize the implementation of ZIS (Zakat, Infak, Shadaqah) fund management at LAZ Indonesia Zakat Initiative (IZI) East Java in managing the Patient Shelter House program. The author of this study uses descriptive qualitative methods using a case study approach. The object of this study is LAZNAS Indonesian zakat initiative, especially the management of Patient Shelter House. The data are obtained based on the interviewing of six informants consisting of three IZI administrators who managed RSP IZI directly and three other beneficiaries of RSP IZI. The requirement to be a beneficiary of RSP IZI must be Muslim, destitute or poor and domiciled outside Surabaya. The results of the study, the implementation of ZIS LAZNAS Zakat Indonesia Initiative fund management is in accordance with Law No. 23 of 2011 concerning the management of zakat.Keywords: Zakah, Infak, Shadaqah, Patient Shelter House (RSP).


2020 ◽  
Vol 11 (2) ◽  
pp. 146-160
Author(s):  
Muhammad Ryman Napirah ◽  
Novi Inriyanny Suwendro ◽  
Hasanah Hasanah

The determination of the No Smoking Area is an effort to protect the community against the risk of health problems due to the environment contaminated with cigarette smoke. The purpose of this study was to determine the implementation of the No Smoking Area policy at the Undata Regional General Hospital (RSUD), Palu, especially in the aspects of communication, resources, disposition. , and bureaucratic structures. This type of research is qualitative research with a case study approach. Determination of informants is done through purposive sampling technique, namely the researcher uses his judgment in selecting informants to obtain in-depth information according to the research objectives. the concept of communication is good enough. The KTR Task Force at Undata Hospital uses print and electronic media. In the resource variable, the results are not good enough. The KTR Task Force at Undata Hospital is still lacking in terms of the number, namely only 15 people previously numbered 30 people. The disposition variables obtained in this study are good enough. The appointment of the KTR task force at Undata Hospital is directly selected by the hospital director, but the supervisory officers still lack incentives. In the bureaucratic structure variable, the results were quite good. The most authorized person in implementing the implementation of the KTR policy implementation at the Undata Hospital Palu is the Task Force coordinator. The suggestion in this research is that the KTR Task Force at Undata Hospital should be added and the Undata Hospital should create a smoking area.  


Author(s):  
M. Syukur Ifansyah ◽  
Ahmad Faiz Khudlari Thoha ◽  
Reka Gunawan

Like business enterprises, mosques and other nonprofit organizations also need to have a vital source of competitive advantage to increase their worshippers' uniqueness and attractiveness. If it can be adequately managed, imam masjid can be one of the uniqueness and continuing excellence for the mosque. One of the best practices in managing mosque’ imams as a competitive advantage is Masjid Raya Hubbul Wathan Islamic Center in West Nusa Tenggara. This research examines differentiation strategies in managing imams at Masjid Raya Hubbul Wathan Islamic Center in West Nusa Tenggara and how imams in the mosque can be a source of sustainable excellence and not only temporary. This research was conducted using qualitative methods with a case study approach. The collected data is analyzed descriptively based on the theory of competitive advantage, differentiation, and the VRIO framework. Among the critical findings in this study is the differentiation strategy in the management of imams at Masjid Raya Hubbul Wathan Islamic Center in West Nusa Tenggara carried out by: (1) the existence of a measurable and selective imam recruitment process; (2) the availability of competent priests with extensive and varied numbers; (3) involvement of international priests; and (4) the existence of a system of appreciation, improvement, empowerment of good mosque imams.


2020 ◽  
Vol 8 (1) ◽  
pp. 125
Author(s):  
Muammar Qadafi

<p><em>LIVING VALUES EDUCATION APPROACH IN DEVELOPING CHILDREN’S CHARACTER AT RA TIARA CHANDRA YOGYAKARTA. </em><em>This study aims to find out how the Living Values Education (LVE) approach in instilling the character values of children in RA Tiara Chandra Yogyakarta. The research used qualitative method with a case study approach. Data collection techniques carried out through participatory observation, in-depth interviews, and documentation, while data analysis technique are through data reduction, data display, and verification. The results showed that RA Tiara Chandra has used the LVE approach for the past three years, starting with the training given to teachers and staff as role models for children, then involving parents and the community around the school area. Training of adults was the first step to guide children in developing character values. This step was quite effective and had a positive impact on the development of children's character values in RA Tiara Chandra Yogyakarta.</em><em></em></p>


2020 ◽  
Vol 2 (1) ◽  
pp. 240-248
Author(s):  
Guntur Eko Prasetyo

Radio is one of the electronic media that has survived until now, although radio only produces entertainment in the form of sound but there are quite a lot of radio enthusiasts. There are quite a lot of radios operating in Indonesia, especially in Yogyakarta. In this case, one example is Geronimo FM radio, the radio has good credibility in the city of Yogyakarta. This article describes what the role of the Music Director on radio and how they work in shaping the brand identity. This study uses qualitative methods with a case study approach. The result is Music Director has the full right to determine the music that will air on the radio. Music Director also oversees the running of music played when the broadcast takes place so as not to get out of the provisions. Thus Music Director determines music, then radio brand identity is formed through songs that are played so as to form the perceptions of listeners in determining the identity of a radio


2017 ◽  
Vol 16 (2) ◽  
pp. 145
Author(s):  
Amandus Benediktus Seran Klau

<b>Abstract:</b> Waste is generated by humans from a production process, both industrial and household. Waste is what’s left over from daily activities and is considered useless. However, when waste is recycled and reprocessed into something useful, waste obtains an economic value again. And so, piles of waste are simultaneously changed not only into arenas where the poor compete, but also into arenas where humans prey on each other. On piles of waste, we find never-ending poverty, which is prepared by the state and permitted by the Church. On piles of waste, we find an enduring culture of poverty.Using qualitative methods and a case-study approach, this study aims to uncover the practice of enduring poverty in the town of Maumere. <b>Keywords:</b> waste, scavengers, culture of impoverishment. <b>Abstrak:</b> Sampah adalah buangan yang dihasilkan manusia dari suatu proses produksi, baik industri maupun rumah tangga. Sampah merupakan sisa kegiatan sehari-hari manusia yang dianggap sudah tidak berguna. Namun, ketika sampah harus didaur ulang dan diolah kembali menjadi sesuatu yang berguna, sampah pun kembali mempunyai nilai ekonomis. Ketika itu, tumpukan sampah serentak berubah tidak saja menjadi arena adu nasib, tetapi juga arena saling memangsa. Di atas tumpukan sampah, kita temukan praktik pemiskinan tanpa akhir, yang dikondisikan oleh negara dan dibiarkan oleh Gereja. Di atas tumpukan sampah, ditemukan budaya pemiskinan yang langgeng di Kota Maumere. Dengan menggunakan metode kualitatif dan pendekatan studi kasus, penelitian ini bertujuan menjelaskan praktik pemiskinan tanpa akhir tersebut. <b>Kata-kata kunci:</b> sampah, pemulung, budaya pemiskinan.


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