scholarly journals Aspek hukum Bank Wakaf Mikro dalam pengentasan kemiskinan berbasis pesantren di Indonesia

2019 ◽  
Vol 12 (1) ◽  
pp. 1-26
Author(s):  
Siska Lis Sulistiani ◽  
Muhammad Yunus ◽  
Eva Misfah Bayuni
Keyword(s):  
Social Services ◽  
Financial Services ◽  
Social Role ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Islamic History ◽  
The Core ◽  
Qualitative Descriptive ◽  
The Government ◽  
Islamic Economic

Wakaf memainkan peran ekonomi dan sosial yang sangat penting dalam sejarah Islam. Wakaf berfungsi sebagai sumber pembiayaan bagi sarana ibadah, pendidikan, pelayanan sosial dan pertahanan. Banyak pengembangan sektor ekonomi Islam atau perbankan syariah yang dikaitkan dengan wakaf, tidak terkecuali di tahun 2017 Pemerintah bersama OJK menginisiasi adanya Bank Wakaf Mikro sebagai upaya menjawab permasalahan kemiskinan, yang bekerjasama dengan lembaga berbasis pesantren di Indonesia. Istilah Bank wakaf mikro dipilih karena pihak pemerintah mengharapkan agar inti dari dana yang disebar ke masyarakat tetap terjaga intinya tanpa mengurangi manfaatnya, selain itu dinamai Bank Wakaf Mikro dikarenakan operasi BWM ini berada di lingkungan pesantren. Selama perkembangannya BWM ini, menggunakan istilah bank wakaf mikro dalam penamaan lembaganya akan tetapi dari dasar hukum dan bentuk dari badan hukumnya justru sangat jauh dari penamaannya.Badan hukum dari BWM ini adalah Koperasi, sedangkan izin usaha BWM adalah lembaga keuangan mikro syariah sehingga pengawasannya berada di bawah Otoritas Jasa Keuangan (OJK). Penelitian ini menggunakan metode penelitian yuridis normative dengan menggunakan data sekunder dengan menggunakan analisis deskriptif kualitatif. Kata kunci: Hukum, Bank, Wakaf, Mikro, Indonesia. Abstract Waqf plays a very important economic and social role in Islamic history, waqf serves as a source of funding for religious facilities, education, social services and defense. Many developments in the Islamic economic sector or Islamic banking are associated with waqf, not least in 2017 The Government and OJK initiated the Micro Waqf Bank as an effort to address the problem of poverty, in collaboration with pesantren-based institutions in Indonesia. The term micro waqf bank was chosen because the government expects that the core of the funds distributed to the community is maintained intact without reducing its benefits, besides it is named the Micro Endowment Bank because the BWM operation is in the pesantren environment. During the development of this BWM, the term micro waqf bank was used in naming its institutions, but from the legal basis and form of legal entities it was very far from naming it. under the Financial Services Authority (OJK). This study uses a normative juridical research method using secondary data using qualitative descriptive analysis. Keywords: Law, Bank, Waqf, Micro, Indonesia.

scholarly journals ANALISIS SWOT PENGELOLAAN USAHA PERIKANAN NELAYAN WILAYAH PESISIR KECAMATAN MANDOLANG KABUPATEN MINAHASA PROVINSI SULAWESI UTARA

2019 ◽  
Vol 6 (12) ◽  
Author(s):  
Victoria E.N. Manoppo ◽  
Jeannette F. Pangemanan ◽  
Nurdin Jusuf
Keyword(s):  
Coastal Zone ◽  
Coastal Area ◽  
Descriptive Analysis ◽  
Coastal Region ◽  
Secondary Data ◽  
Primary Data ◽  
Daily Lives ◽  
Purposive Sampling ◽  
Qualitative Descriptive ◽  
The Government

AbstractThe decline in fishermen's income was triggered by increased household needs while the income of fishermen's fate seemed to be unbearable. This is also experienced by Neyan in the Coastal Region of Mandolang District, Minahasa Regency. Their income continues to decline even more often they have no cost for their daily lives. They are in debt which is strangling their necks. They are increasingly desperate because there is no solution offered either from the government or from other relevant parties. Starting from the background, the problem is formulated as follows: 1. What causes the level of income of fishermen in the Coastal Zone of Mandolang District to decrease; 2. How do they increase their income. The research objectives are: 1. To describe and analyze what causes the level of income of fishermen in the Coastal Zone of Mandolang District to decrease; 2. To analyze how they increase their income. This research will be carried out in the Coastal Area of Mandolang District, Minahasa Regency in 2017 since it was signed a work contract with LPPM. The method in this study is purposive sampling method. Data sources are primary data and secondary data. Data analysis is qualitative descriptive analysis and quantitative description.Keywords: coastal area, income of fishermen, Mandolang sub-district AbstrakTurunnya pendapatan nelayan itu dipicu kebutuhan rumah tangga yang meningkat sedangkan pendapatan nasib nelayan seolah tak lepas dirundung malang. Hal ini juga dialami oleh neyan di Wilayah Pesisir Kecamatan Mandolang Kabupaten Minahasa. Pendapatan mereka semakin hari semakin menurun bahkan seringkali  mereka tidak mempunyai biaya untuk kehidupan mereka sehari-hari. Mereka terlbat utang yang semakin mencekik leher.  Mereka semakin putus asa karena belum ada jalan keluar yang ditawarkan baik dari pemerintah ataupun dari pihak-pihak terkait lainnya.  Bertitik tolak dari latar belakang tersebut maka masalah dirumuskan sebagai berikut: 1. Apa yang menyebabkan turunnya tingkat pendapatan nelayan di Wilayah Pesisir Kecamatan Mandolang; 2. Bagaimana cara mereka meningkatkan pendapatan mereka. Adapun tujuan penelitian adalah : 1. Untuk mengdeskripsikan dan menganalisis apa yang menyebabkan turunnya tingkat pendapatan nelayan di Wilayah Pesisir Kecamatan Mandolang; 2. Untuk menganalisis bagaimana cara mereka meningkatkan pendapatan mereka. Penelitian ini akan dilaksanakan di Wilayah Pesisir Kecamatan Mandolang Kabupaten Minahasa pada tahun 2017 sejak di tandatangani kontrak kerja dengan LPPM. Metode dalam penelitian ini adalah metode purposive sampling. Sumber data adalah data primer dan data sekunder. Analisis data yakni analisis deskriptif kualitatif dan deskripsi kuantitatif.Kata kunci: wilayah pesisir, pendapatan nelayan, kecamatan Mandolang

MODERATING EFFECT OF ECONOMIC GROWTH ON FINANCIAL PERFORMANCE OF MERGED INSTITUTIONS

2017 ◽  
Vol 1 (1) ◽  
pp. 38
Author(s):  
Dr. Agnes Ogada ◽  
Dr. George Achoki ◽  
Dr. Amos Njuguna
Keyword(s):  
Economic Growth ◽  
Financial Performance ◽  
Financial Services ◽  
Panel Data Analysis ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Moderating Effect ◽  
Primary Data ◽  
The Government ◽  
To Come

Purpose: The purpose of the study was to determine the moderating effect of economic growth on financial performance of merged institutions Methodology: The study adopted a mixed methodology research design. The study population included all the 51 merged financial service institutions in Kenya. Purposive sampling was used. Primary data was obtained from questionnaires and a secondary data collection template was also used. The researcher used quantitative techniques in analyzing the data. Descriptive analysis for the study included the use of means, frequencies and percentages.  Inferential statistics such as correlation analysis was also used. Panel data analysis was also applied. Further, a pre and post merger analysis was used.Results: There was a significant relationship between the moderating effect of economic growth and financial performance of merged institutions.Unique contribution to theory, practice and policy: The government and Central Bank of Kenya to come up with strategies and policies to protect the financial services sector due to its immense contribution to the economy of the country by formulating policies aimed at controlling the effects of rapid fluctuations of the macro economic factors and their effects on the sector.

scholarly journals INNOVATION OF LOCAL GOVERNMENT IN INCREASING TOURISM WAKATOBI REGENCY

2021 ◽  
Vol 19 (1) ◽  
pp. 104-118
Author(s):  
Budiman Budiman ◽  
Jumiati Jumiati ◽  
Nur Hasanah ◽  
Tengku Imam Syarifuddin
Keyword(s):  
Local Government ◽  
Success Rate ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Cultural Tourism ◽  
Literature Study ◽  
Tourist Attractions ◽  
Qualitative Descriptive ◽  
The Government

This study uses qualitative descriptive analysis, the type of data used in this study is secondary data and literature study survey by taking from previous research and collecting data from websites related to this research. The local government of Wakatobi Regency continues to innovate to create tourist attractions that can attract visitors. To achieve the success rate of local government in making innovations will be seen in the development of the region itself. So that the government of Wakatobi Regency continues to innovate in tourism. Wakatobi regency has natural tourism and cultural tourism, 195 natural tourism, and 451 cultural tourism. And not only that good transportation will also support the development of tourism and provide comfort to visitors who come.

scholarly journals Dampak Implementasi Restrukturisasi Pembiayaan terhadap Likuiditas Bank Syariah pada Situasi Pandemi Covid-19

2020 ◽  
Vol 3 (2) ◽  
pp. 282-316
Author(s):  
Abdul Kholiq ◽  
Rizqi Rahmawati
Keyword(s):  
Financial Services ◽  
Commercial Banks ◽  
Human Life ◽  
Descriptive Analysis ◽  
Business Units ◽  
A Value ◽  
Qualitative Descriptive ◽  
Credit Financing ◽  
The Government ◽  
The Impact

The Covid-19 pandemic has had a significant impact in all aspects of human life, such as in the health, education, social, economic and banking sectors. To restore the economic and banking sectors, the government through The Financial Services Authority issued Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 11 /POJK.03/2020 Tentang Stimulus Perekonomian Nasional Sebagai Kebijakan Countercyclical Dampak Penyebaran Coronavirus Disease 2019. One of the things described in POJK Number 11 /POJK.03/2020 is the implementation of credit or financing restructuring for debtors who were affected during the Covid-19 pandemic. The implementation of this credit / financing restructuring has raised concerns about bank liquidity. This study uses a qualitative descriptive analysis method by describing the phenomena that occur due to the impact of Covid-19 on the global and national economy, Indonesian government policies, and banking. The results showed that during the period March-September 2020 the average Financing to Deposit Ratio (FDR) in Islamic Commercial Banks showed a value of 79.31% where the highest ratio occurred in July with a ratio level of 81.03% and the lowest ratio occurred in September with a ratio of 77.06%. Under these conditions, in general the level of liquidity of Islamic commercial banks is categorized as healthy or liquid. The average FDR ratio in Sharia Business Units for the period March-September 2020 shows a value of 103.54% where the highest ratio occurred in May with an FDR ratio of 107.20% and the lowest ratio occurred in September with an FDR ratio of 95.87%. Under these conditions, in general the liquidity level of the Sharia Business Unit is categorized as less healthy or less liquid.Pandemi Covid-19 telah memberikan dampak yang signifikan dalam segala segi kehidupan manusia seperti dalam bidang kesehatan, pendidikan, sosial, ekonomi maupun sektor perbankan. Untuk memulihkan sektor ekonomi dan perbankan, pemerintah melalui Otoritas Jasa Keuangan mengeluarkan Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 11 /POJK.03/2020 Tentang Stimulus Perekonomian Nasional Sebagai Kebijakan Countercyclical Dampak Penyebaran Coronavirus Disease 2019. Salah satu hal yang dijelaskan dalam POJK Nomor 11 /POJK.03/2020 adalah pemberlakuan restrukturisasi kredit atau pembiayaan bagi debitur yang terdampak selama pandemi Covid-19. Pemberlakuan restrukturisasi kredit/pembiayaan ini memunculkan kekhawatiran terhadap likuiditas bank. Penelitian ini bertujuan untuk menganalisa dampak implementasi restrukturisasi pembiayaan terhadap likuiditas bank syariah pada situasi pandemic covid-19. Penelitian ini menggunakan  metode analisis deskriptif kualitatif dengan cara mendeskripsikan fenomena-fenomena yang terjadi akibat dampak Covid-19 terhadap perekonomian global maupun nasional, kebijakan pemerintah Indonesia, serta perbankan. Hasil penelitian menunjukkan bahwa selama periode Maret-September 2020 rata-rata rasio Financing to Deposit Ratio (FDR)  pada Bank Umum Syariah menunjukkan nilai 79,31% dimana rasio tertinggi terjadi pada bulan Juli dengan tingkat rasio 81,03% dan rasio terendah terjadi pada bulan September dengan tingkat rasio 77,06%. Dengan kondisi tersebut, maka secara umum tingkat likuiditas bank umum syariah dikategorikan sehat atau likuid. Rata-rata rasio FDR pada Unit Usaha Syariah periode Maret-Septemer 2020 menunjukkan nilai 103,54% dimana rasio tertinggi terjadi pada bulan Mei dengan tingkat rasio FDR 107.20% dan rasio terendah terjadi pada bulan September dengan tingkat rasio FDR 95.87%. Dengan kondisi tersebut, maka secara umum tingkat likuiditas Unit Usaha Syariah dikategorikan kurang sehat atau kurang likuid.  

scholarly journals EFEKTIFITAS PELAYANAN PUBLIK PENERBITAN IZIN USAHA DI KOTA BAUBAU

2016 ◽  
Vol 1 (2) ◽  
pp. 11-17
Author(s):  
Farid Yusuf Nur Achmad
Keyword(s):  
Public Awareness ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Sampling Technique ◽  
Service Agency ◽  
Literature Study ◽  
Resource Officers ◽  
Qualitative Descriptive ◽  
The Government ◽  
Publishing Services

This study aims to determine how the effectiveness of publishing services business license in Licensing Service Agency and Investment Baubau city as well as to determine the factors that hinder the effectiveness of publishing services business license in Licensing Service Agency and Investment Baubau City. Study is a qualitative descriptive study, the research done by examining primary and secondary data. The population in this research that all employees at the Agency for Investment and Licensing Services Baubau city as many as 33 people. The sampling technique using total sampling. Data collection techniques are: observation, interviews, literature study and documentation. Processing and presentation of data by using data reduction, data presentation and verification of data. Data sources are: Primary and Secondary, Technical Analysis used in this research is qualitative descriptive analysis. Results of the study are: publishing services business license in Licensing Service Agency and Investment Baubau city is said to be effective, the factors that hinder the effectiveness of publishing services business license Licensing Service Agency and Investment Kota Baubau namely: the factor of time, cost factor and requirements in the licensing service , In an effort to streamline the process of licensing services to the public the government is expected to further the transparency of financial reasons that one way to do expose the online and offline media. In the matter raising public awareness as users of government services shall direct socialization in employers-local businessmen in an effort to take advantage of local entrepreneurs. Penginkatan performance and resource officers, the government in this case the service provider must also accept criticism and suggestions from users are a good and wise.

scholarly journals Identification of Social Dynamic of the Economic Smallholders of Palm Oil Plannation on Keerom District of Papua

2019 ◽  
Vol 39 (04) ◽  
Author(s):  
La Alimuddin
Keyword(s):  
Palm Oil ◽  
Secondary Data ◽  
Primary Data ◽  
Economic Dynamics ◽  
Descriptive Research ◽  
The Core ◽  
Core Country ◽  
Social Dynamic ◽  
Qualitative Descriptive ◽  
The Government

The Core Country Plantation (PIR) is the government program to improve the welfare of smallholders. The purpose of this research is to identify the state of the development of Core Country Plantation (PIR) in Keerom district. This research is qualitative descriptive research. Data collection in this study with two types of data is primary data and secondary data. The results of the identification show that the factors that caused a decline in welfare have an impact on the socio-economic dynamics caused by the low yields of palm oil production. As a solution, the government provides a nucleus plantation program (PIR), to overcome socio-economic dynamics in the Papua border area of Keerom Regency.

scholarly journals Descriptive Analysis of Financial Literacy SMEs in Bandung

2021 ◽  
Vol 12 (1) ◽  
pp. 9-15
Author(s):  
Asni Harianti ◽  
Maya Malinda ◽  
Miki Tjandra ◽  
Devas Kambuno
Keyword(s):  
Financial Literacy ◽  
Financial Services ◽  
Financial Management ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Management Training ◽  
Primary Data ◽  
Five Dimensions ◽  
The Government ◽  
The City

One of the supporting factors for the success of MSME is determined by the intelligence of managing finances or known as financial literacy. Financial literacy is a basic requirement that must be possessed by MSME entrepreneurs which is closely related to the knowledge of personal and business financial management, as well as knowledge to gain access to capital through financial services or institutions. This descriptive study aims to see a picture of the level of financial literacy in SMEs in Bandung. The type of data used in this study are primary data and secondary data Primary data obtained through surveys using a questionnaire to see the level of financial literacy (Financial Fitness Quis / FFQ) developed by O'Neil. The questionnaire consisting of 20 practical financial statements, covering 5 (five) dimensions of financial management, was distributed to 343 SMEs in the city of Bandung. Secondary data obtained through observation and study of literature relating to research problems. The results of the study show that MSMEs in the city of Bandung must take actions that need to be considered in the future to improve their finances to avoid financial difficulties. As a form of concern for MSMEs in the city of Bandung and as a form of support for the government, researchers are trying to alleviate the illiteracy of financial actors of MSMEs through appropriate financial management training and making of a simple financial application program SAKA (peSAK Abdi).

scholarly journals KAJIAN KENYAMANAN DAN KEAMANAN WISATAWAN DI KAWASAN PARIWISATA KUTA LOMBOK

2014 ◽  
Author(s):  
Wahyu Khalik
Keyword(s):  
Community Participation ◽  
Service Providers ◽  
Descriptive Analysis ◽  
Coast Guard ◽  
Environmental Aspects ◽  
Hygiene Factors ◽  
Parking Management ◽  
Qualitative Descriptive ◽  
The Government ◽  
Tourism Potential

Comfort and security are vital factors in tourism destination of Kuta Lombok with great tourism potential. However, this potential will not be desirable if the conditions are not created by comfort and security. This proves that there are factors that affect the comfort, community understanding of tourism awareness, and community participation in comfort and security of tourists. The study was conducted aimed to determine the factors that affect comfort and safety, the level of community understanding of tourism awareness, and community participation in the comfort and security of tourists in Kuta Lombok tourism.This study examines the comfort and safety of tourists in tourism of Kuta Lombok are included in the descriptive study. Therefore, the research conducted through a qualitative approach. Methods of data collection through observation, interview and documentation. Decision is determined by the method of purposive, with 15 informants. The theory applied is the theory of structural functionalism which analyzed the factors and community participation, and motivation theory is applied to analyze the level of community understanding about tourism awareness.The analysis results of research conducted by qualitative descriptive analysis presents the results of research through a narrative supported by photographs. The results of this study suggests that the comfort and safety factor is  influenced by the low level of community understanding in the elements of tourism awareness through Sapta Pesona. The low raises community understanding of factors that affect comfort and safety as a factor of environmental aspects of parking management and environmental hygiene, factors of economic activity and the hawkers aspects trasnportation service providers as well as factors in the aspect of tourism access roads were damaged. Community participation in the comfort and security of tourists is not functioning optimally. This is caused by unsynchronization between organizations. Forms of community participation in the form of the participation into the organization and the coast guard and empowerment of communities in the festival. Based on those results of the three studies, the government of Central Lombok is expected especially for Culture and Tourism Department particular attention to the factors that affect comfort and safety, and the formation of tourism awareness with benchmarks Sapta Pesona.

scholarly journals Penerapan Alternatif Akad Pembiayaan Haji dan umrah Pasca Peraturan Menteri No 24 Tahun 2016 Pada Bank Panin Dubai Syariah Surabaya

2018 ◽  
Vol 2 (1) ◽  
Author(s):  
Fitrotu Aini
Keyword(s):  
Financial Services ◽  
Government Regulation ◽  
Islamic Law ◽  
Secondary Data ◽  
Study Approach ◽  
Left Behind ◽  
Secondary Data Source ◽  
The Government ◽  
The Cost ◽  
Financial Agreement

ABSTRACTHajj as a great symbol of worship. Hajj is the fifth pillar of Islam which is mandatory for every Muslim who are able to da it in accordance with the legal requirement of pilgrimage. One of the legal conditions of Hajj is the capability, capable to cover the cost of the hajj and the family left behind. Panin Bank Dubai Sharia Bank was established based on the regulation of Limited Company No. 12 dated January 8, 1972 by Moeslim Dalidd, a notary in Malang. PT. Bank Panin Dubai Syariah Tbk has been legalized by the Financial Services Authority ("OJK"), in accordance with a copy of the policy of the Board of Commissioners of OJK No. Kep-29 / D.03 / 2016 on July 26, 2016.Therefore, through this research, the writer wants to understand: (1) how is the practice of applying alternative financial agreement of hajj and umrah after the implementation of regulation made by ministry of religious affair No. 24 year 2016 at Panin Bank Dubai Syariah Surabaya branch? (2) What is the analysis of Islamic law on the practice of multilateral contract alternative application in this Bank? Therefore, this study is aimed to, firstly, understand and describe the application of alternative contracts to hajj and umrah after the regulation of Ministry of Religious Affairs No. 24 of 2016 in Panin Bank Dubai Sharia branch Surabaya, and to describe the analysis of Sharia Economic Law about the practice of applying alternative contract in the bank.The method used in this research is qualitative method. The research data are taken in natural situation in Panin Bank Dubai Syariah Surabaya. The data are taken during operational hours using case study approach. Are done through interview technique with the main participant, Assistant Manager 1, and document, archive, book, sample of registration, as secondary data source. The data are analyzed through 3 (three) data deduction, display data and ended with conclusion and verification.The results of the study indicate that the Panin Bank Dubai Sharia runs in accordance with the government regulation No. 24 year 2016 "BPS BPIH is prohibited from providing direct and indirect Hajj money service" including Hajj and Umrah services using various financing products and funds saving, funds collecting in the form of deposits, savings or other forms, using multi-service financing akad wadi'ah, with the savings of hajj services with initial minimum deposit of Rp500,000,and according to customers’ ability. Keywords: hajj, umrah, wadi'ah.

scholarly journals ANALISIS EFEKTIVITAS REALISASI ANGGARAN BELANJA MODAL DINAS PERDAGANGAN DAN PERINDUSTRIAN KABUPATEN MUSI BANYUASIN

2019 ◽  
Vol 2 (2) ◽  
pp. 76
Author(s):  
Rano Asoka
Keyword(s):  
Data Analysis ◽  
Data Collection ◽  
Capital Expenditure ◽  
Descriptive Analysis ◽  
Interview Research ◽  
Positive Growth ◽  
Capital Spending ◽  
Library Studies ◽  
Qualitative Descriptive ◽  
The Government

This research aims to determine the effectiveness of the realization of capital expenditure budget in the Trade and Industry Board of Musi Banyuasin. It has been reached the goal budget target in the government of Musi Banyuasin Regency. The methods of research used are qualitative methods. The data collection techniques used are interview research, documentation, and library studies. Data analysis was conducted using qualitative descriptive analysis methods and the use of capital expenditure budget data and the realization of capital spending in 2016 to 2018. The results showed that The Trade and Industry Board of Musi Banyuasin Regency in realization of the capital expenditure budget in the year 2016 to 2018 can be said to be effective and in positive growth. In 2016 to the year of 2018, The Trade and Industry Board of Musi Banyuasin Regency is still dependent on local government so that the implementation decentralization of capital expenditure budget can be said to be effective.

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