scholarly journals Analisis Sistem Pembiayaan Akad Qardhul Hasan Di BMT Al-Amanah Cabang Subang

2021 ◽  
Vol 5 (2) ◽  
pp. 165-183
Author(s):  
Meinizar Arini Putri ◽  
Siti Hapipah ◽  
Siti Rohmat
Keyword(s):  
Financing System ◽  
Good Image ◽  
Medical Expenses ◽  
Education Costs ◽  
Commercial Loans

The Qardhul Hasan financing at BMT Al-Amanah Subang was not surveyed again, because the Qardhul Hasan survey had been carried out at the beginning of the members doing previous financing such as Mudharabah, Murabahah, Musyarakah, and Rahn financing, because Qarhdul Hasan financing is a conversion from the previous contract. Qardhul Hasan financing has certain categories for financing the needs of members such as education costs, medical expenses, and so on. The purpose of this study was to determine the terms and conditions of financing Qardhul Hasan at BMT Al-Amanah Subang Branch; To find out the Qardhul Hasan contract financing system at BMT Al-Amanah Subang Branch; and To find out the benefits of the Qardhul Hasan Agreement for members and managers of BMT Al-Amanah Subang Branch. The results of this study 1). The terms and conditions of Qardhul Hasan financing at BMT Al-Amanah Subang Branch do not use collateral on the condition that they must become members of BMT Al-Amanah, and members are no longer able to pay installments of previous contract financing that have matured; 2. Qardhul Hasan Financing System at BMT Al-Amanah Subang Branch, namely: a). For members of BMT Al-Amanah who are active members by having principal and mandatory savings, b). For members who already have financing, which is past due, but have difficulty paying the financing installments, BMT Al-Amanah converts the contract into Qardhul Hasan; 3). The benefits of Qardhul hasan for members and managers are: a). For members, it is very helpful for members who are having difficulty paying installments and as a source of non-commercial loans / bailout funds, b). For managers, namely because Qardhul Hasan financing is social and please help it will give a good image for BMT Al-Amanah Subang Branch.

PEMANFAATAN DANA ZAKAT PRODUKTIF DALAM TINJAUAN MAQASHID SYARIAH (Studi di Kelurahan Ganting Kecamatan Padang Panjang Timur)

2021 ◽  
Vol 2 (3) ◽  
pp. 115
Author(s):  
Pegi Elvina Yahya ◽  
Nofialdi Nofialdi
Keyword(s):  
Medical Expenses ◽  
Daily Food ◽  
Education Costs ◽  
Food Needs ◽  
The Mind ◽  
The Cost

Based on research that there are several mustahiq who divert productive zakat funds for daily food needs, for medical expenses, for education, to repair the kitchen and to pay installments for rented stalls. The reason for mustahiq to transfer productive zakat funds is because there is an urgent need and insufficient income for needs. Based on these reasons, the transfer of productive zakat funds is not contradictory and even in line with the theory of al-maqashid al-syariah. Because for the cost of daily food needs and medical expenses in order to maintain the soul which is classified as an element of daruriyyat (primary needs), the transfer of zakat funds for education costs in order to maintain the mind which is classified as an element of hajiyyat (secondary needs), the transfer of zakat funds to repair the kitchen and pay the daily shop installments which are part of the maintenance of assets belonging to the hajiyyat element (secondary need). While zakat is productive in order to maintain property. Hierarchically, preserving religion takes precedence over preserving the soul, preserving the soul takes precedence over maintaining reason, preserving reason takes precedence over nurturing offspring, preserving offspring takes precedence over preserving property.

Clinical Update: Pain and Suffering

2003 ◽  
Vol 8 (1) ◽  
pp. 5-5
Author(s):  
Sheila Wendler
Keyword(s):  
Subjective Experience ◽  
Personal Injury ◽  
Treatment Interventions ◽  
Medical Expenses ◽  
Affective Component ◽  
Pain Behaviors ◽  
The Social ◽  
Patient’S Experience ◽  
Pain And Suffering ◽  
And Training

Abstract Attorneys use the term pain and suffering to indicate the subjective, intangible effects of an individual's injury, and plaintiffs may seek compensation for “pain and suffering” as part of a personal injury case although it is not usually an element of a workers’ compensation case. The AMA Guides to the Evaluation of Permanent Impairment (AMA Guides), Fifth Edition, provides guidance for rating pain qualitatively or quantitatively in certain cases, but, because of the subjectivity and privateness of the patient's experience, the AMA Guides offers no quantitative approach to assessing “pain and suffering.” The AMA Guides also cautions that confounders of pain behaviors and perception of pain include beliefs, expectations, rewards, attention, and training. “Pain and suffering” is challenging for all parties to value, particularly in terms of financial damages, and using an individual's medical expenses as an indicator of “pain and suffering” simply encourages excessive diagnostic and treatment interventions. The affective component, ie, the uniqueness of this subjective experience, makes it difficult for others, including evaluators, to grasp its meaning. Experienced evaluators recognize that a myriad of factors play a role in the experience of suffering associated with pain, including its intensity and location, the individual's ability to conceptualize pain, the meaning ascribed to pain, the accompanying injury or illness, and the social understanding of suffering.

Specifics of creating an effective system of project financing of innovation and investment activities of dairy subcomplex enterprises

2020 ◽  
Vol 26 (9) ◽  
pp. 1951-1969
Author(s):  
S.A. Chernikova
Keyword(s):  
Financial Stability ◽  
Current Model ◽  
Methodological Approach ◽  
Information Support ◽  
Competitive Advantages ◽  
Project Financing ◽  
Financing System ◽  
Management Of Innovation ◽  
Effective System ◽  
The Impact

Subject. The article considers the need to study the financing of investment and innovation processes and creating an effective system of project financing. Objectives. The purpose is to search for new opportunities to enhance the competitive advantages of enterprises of the dairy subcomplex, to ensure their financial stability and steady position in specialized agricultural food-product markets. Methods. The study draws on the theoretical and methodological approach to the impact of project management of innovation and investment activities on improving the efficiency of the project financing system and financial stability of enterprises operating in the dairy subcomplex. Results. The findings show that four levels can be distinguished in the formation and improvement of the system of project financing and the management of innovation and investment activities, depending on the depth of transformation. The principle that provides the integration of the said system with the current model of management of the dairy subcomplex enterprise is defined as a driver. The paper offers a number of levels of the system transformation to gain competitive advantages. Conclusions. I present a mechanism for creating and improving the system of project financing and the management of innovation and investment activities, and a mechanism for interaction of the network of automated information systems, intended to make management decisions, with the automation of information support to innovative solutions.

FORMATION AND DEVELOPMENT OF VENTURE FINANCING SYSTEM IN UZBEKISTAN

2020 ◽  
Vol 10 (3) ◽  
pp. 12-18
Author(s):  
Mehri Vokhidova ◽  
Keyword(s):  
Venture Capital ◽  
Financing System ◽  
Venture Financing

This article examines the first stage of the formation of venture capital in Uzbekistan and the possibilities of applying the experience of Israel in the development of venture financing in the country

КОНФЛИКТОГЕННЫЕ ЗОНЫ В СИСТЕМЕ СРЕДНЕГО ОБРАЗОВАНИЯ НА ЭТАПЕ РЕАЛИЗАЦИИ НАЦИОНАЛЬНОГО ПРОЕКТА: РЕГИОНАЛЬНЫЙ АСПЕКТ

2020 ◽  
Vol 15 (2) ◽  
pp. 81
Author(s):  
Л. М. Низова ◽  
К. С. Виногорова
Keyword(s):  
General Education ◽  
Education System ◽  
School Library ◽  
Social Infrastructure ◽  
Financing System ◽  
Conflict Zones ◽  
National Project ◽  
Education Management ◽  
The Creation ◽  
Additional Education

The priorities and problems of the implementation of the national project “Education” at the level of a comprehensive school in the region are investigated. The factors of the origin of conflict zones and types of conflicts based on the analysis of contradictions of the opinions of scientists are revealed. The role of unity and struggle of opposites as a phenomenon of overcoming conflicts is determined. Based on the author’s monitoring of the education management system in the Mari El Republic, the positive and negative dynamics of the number of educational organizations studying in them and in the system of additional education over the past five years, the enrollment of students in specialized education, as well as the dynamics of participants in the regional and final stage of the All-Russian Olympiad of schoolchildren were revealed. Particular attention is paid to the study of the state of modernization of the regional system of general education in the framework of the national project, highlighting such priorities as computerization, replenishment of the school library stock, improving the quality of education and developing the personnel potential of the industry. According to the authors, the resolution of such problems as the creation of effective mechanisms for financing educational services in organizations with a weak social infrastructure, the availability of high-quality education, the low attractiveness of working conditions and the level of salaries of teachers, and others remain incomplete. To eliminate them, it is necessary to apply such measures as the further development of innovative forms of the education system, the strengthening of interdepartmental bodies and organizations to increase the educational needs of the population, the creation of a specialized financing system for the modernization of educational institutions, as well as the increase in the level of professionalism of teachers. Their actualization at the present stage contributes to the reduction of conflict zones in the education system.

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