scholarly journals Pola Rescheduling Pada Pembiayaan Bermasalah Berakad Murabahah Di Bank Syariah

2019 ◽  
Vol 6 (1) ◽  
pp. 27-48
Author(s):  
Andini Salamah ◽  
Arrison Hendry
Keyword(s):  
Research Method ◽  
Descriptive Analysis ◽  
Qualitative Approach ◽  
Islamic Banks ◽  
Ability To Pay ◽  
The Real ◽  
Real Cost ◽  
Islamic Bank ◽  
The Cost

This study aims to examine further related to problem financing, especially in murabahah financing. The research method used is a qualitative approach with descriptive analysis. The results of this study are, the rescheduling process undertaken by Islamic banks is to extend the term of financing and installment, with customer’s critera: decreased ability to pay, has a good business prospect, able to fulfill obligations after rescheduling. Second, Islamic bank must apply the provisions of the Fatwa DSN MUI that should not add to the remaining amount of bills, charging the cost in the rescheduling process is the real cost, and the extension of time payer must based on the agreement of both parties. Third, in the case of problem financing in effect after rescheduling is done, then the action that can be performed by the Islamic bank is to convert the murabahah financing contract into the qardh financing agreement.

scholarly journals ANALISIS PENGELOLAAN DANA HAJI PADA PT. BANK ACEH SYARIAH

2019 ◽  
Vol 7 (2) ◽  
pp. 240
Author(s):  
Zaida Rizqi Zainul ◽  
Khairannis Khairannis
Keyword(s):  
Descriptive Analysis ◽  
Qualitative Approach ◽  
Islamic Banks ◽  
Islamic Bank

<p><em>Since the transfer of hajj funds from the Ministry of Religion to BPKH, BPKH has managed haj funds, one of which is by placing on Islamic bank products. The Islamic banks selected as managers and recipients of Hajj fund deposits are 31 Islamic banks. One of them is Bank Aceh Syariah. This study aims to determine the management of Hajj funds in Bank Aceh Syariah. The method used is descriptive analysis with a qualitative approach. The results of this study indicate that the management of Hajj funds at PT. Bank Aceh Syariah uses the wadiah yad dhamanah contract. Hajj funds at Bank Aceh Syariah are channeled to financing products so that they can be useful to increase profitability and maintain the liquidity of Aceh's banks. In addition, pilgrims also benefit in the form of returns from the management of the pilgrimage fund which is used to subsidize the pilgrimage departure funds of pilgrims.</em></p><p><em> </em></p><p><em><br /></em></p>

MOTIF YANG BERPENGARUH PADA PROSES KEJIWAAN TOKOH SAM DALAM NOVEL SEBENING SYAHADAT KARYA DIVA SR

2020 ◽  
Vol 8 (2) ◽  
pp. 10
Author(s):  
Dandy Ashghor Dawudi ◽  
Kamidjan Kamidjan ◽  
Agus Sulton
Keyword(s):  
Research Method ◽  
Descriptive Analysis ◽  
Research Process ◽  
Cultural Factors ◽  
Qualitative Approach ◽  
Literature Study ◽  
Love Story ◽  
True Value ◽  
Analysis Technique ◽  
Qualitative Descriptive

This research takes the object of Sebening Syahadat by Diva SR, this work is a novel that tells the story of the journey ofa teenager named Sam who is in the process ofsearching for identity. The journey is filled with interesting twits and turns embelissed with a love story that is very suitable if consumed by the younger generation who are learning to find identit. This study aims to reveal the value motives that led Sam’s character in finding his identity, which expected to be a material for reflection for readers, especially young people who are in the process of discovering his identity, the scope of the problem in this study is to reveal the value motives that affect the character’s psyche. Sam is told to have a rascal character.The research method used in this study took a descriptive qualitative approach, data colletion used was a literature study technique with stages of reading, note taking, coding for futher analysis. The analysis technique used is qualitative descriptive analysis technique.The result of the research in this research process indicate that the mental process of Sam’s character influenced by several factors, including: a. Motives in cultural factors (Situasional Factors), b. The motive for love begins with admiration for the attitude of someone who is full of noble values of character, c. The motive of curiosity and fulfillment of his needs for true value.

scholarly journals Analisis Ta’widh terhadap Proses Penyelesaian Wanprestasi Barang Hilang di PT. JNE Kota Bandung

2020 ◽  
pp. 49
Author(s):  
Amet Faisal Apriliady ◽  
Eva Misfah Bayuni ◽  
Muhammad Yunus
Keyword(s):  
Research Method ◽  
Descriptive Analysis ◽  
Problem Formulation ◽  
Qualitative Approach ◽  
Shipping Company ◽  
Actual Reality

Abstract. A shipping company in carrying out its duties must be responsible for the agreement that has been agreed, because the shipment is not always run smoothly, such as goods that are not delivered, damaged or lost. At first glance in actual reality the company also provides dependents on goods in the event of default. But in reality, the lost or damaged items at PT. JNE compensation provided is only 10 times teh cost of sending one kilo of goods lost or damaged without calculating the weight of item. Therefore the problem formulation of this research is to find out the concept of ta’widh according to Wahbah Al-Zuhayli the process of setllement of defaults at PT. JNE and analysis of the settlement of defaults to the ta’widh process at PT. JNE. This research method uses descriptive analysis with a qualitative approach that is to see the completion of the interpretation of the ta’widh process at PT. JNE. Based on the conclusion of this study that the ta’widh process according to Wahbah Al-Zuhayli is like returning a broken object to be whole again, if it is difficult to do, then it is obligatory to replace it with the same object (of a kind) or with money. Completion of defaults to the ta’widh process at PT. JNE compensation (ta’widh) provided by PT. JNE to consumers or users of shipping services is not appropriate or only part of what is obtained by this is not appropriate as the opinion has been expressed by contemporary scholars Wahbah Al-Zuhayli. Keywords : Performance, Ta’widh, Wahbah Al-ZuhayliAbstrak. Suatu perusahaan pengiriman barang dalam menjalankan tugasnya harus bertanggung jawab terhadap perjanjian yang telah disepakati, karena pengiriman yang dilakukan tidaklah selalu berjalan dengan lancar, seperti barang yang dikirim tidak sampai, rusak atau pun hilang. Sekilas, pada realitas yang sebenarnya, pihak perusahaan juga memberikan tanggungan terhadap barang apabila terjadinya wanprestasi. Namun pada realitanya barang yang hilang atau rusak di PT. JNE ganti rugi yang diberikan hanya sebesar 10 kali dari biaya kirim satu kilo terhadap barang yang hilang atau rusak tanpa menghitung berat barang tersebut. Oleh karena itu rumusan masalah dari penelitian ini adalah untuk mengetahui konsep ta’widh menurut Wahbah Al-Zuhayli, proses penyelesaian wanprestasi di PT. JNE dan analisis penyelesaian wanprestasi terhadap proses ta’widh di PT. JNE. Metode penelitian  ini menggunakan analisis dekriptif dengan pendekatan kualitatif yaitu untuk melihat penyelesaian wanpretasi terhadap proses ta’widh di PT. JNE. Berdasarkan kesimpulan dari penelitian ini bahwa proses ta’widh menurut Wahbah Al-Zuhayli yaitu seperti mengembalikan benda yang dipecahkan menjadi utuh kembali, apabila hal tersebut sulit dilakukan maka wajib menggantinya dengan benda yang sama (sejenis) atau dengan uang. Penyelesaian wanprestasi terhadap proses ta’widh di PT. JNE apabila ada barang yang hilang hanya diganti dengan 10 kali biaya kirim saja. Ganti rugi (ta’widh) yang diberikan pihak PT. JNE kepada konsumen atau pengguna jasa pengiriman tidak sesuai atau hanya sebagian yang di dapat oleh yang mana ini tidak sesuai seperti pendapat yang telah dikemukakan oleh ulama kontemporer Wahbah Al-Zuhayli. Kata Kunci : Wanprestasi, Ta’widh, Wahbah Al-Zuhayli

scholarly journals Religiousness Attitude During Adulthood Elderly (Psychology Of Religion Perspectives)

RELIGIA ◽  
2017 ◽  
Vol 20 (1) ◽  
pp. 85
Author(s):  
Muhamad Rifa'i Subhi
Keyword(s):  
Research Method ◽  
Religious Life ◽  
Religious Involvement ◽  
Boarding School ◽  
Psychology Of Religion ◽  
The Elderly ◽  
Qualitative Approach ◽  
The Real ◽  
Study Results ◽  
The Difference

Islam teaches the difference in someone's level of religiosity. The level of human religiosity can change from one moment to another. Humans have evolved a religious life. Including human experience in adulthood elderly in life and face the problems of life. This study focused on the real description of the attitude of religiosity which is owned by the elderly. The study was taken from the students at the boarding school Elderly Islamic boarding school (Pesantren) of Roudlotul Muta'allimin Dracik Kramat Batang. The research method used descriptive qualitative approach to straight dialogue (interview) of the respondents, namely the students of Elderly Islamic Boarding School (Pesantren). The study results showed that each of the students have the different religious involvement in filling elderly period (retirement). The involvement includes Ritual Involvement, Ideological Involvement, Intellectual involvement, experimental involvement, and consequential involvement.

scholarly journals Implementasi Kebijakan Penanggulangan Bencana Daerah di Kota Sukabumi

2019 ◽  
Vol 1 (1) ◽  
pp. 30-40
Author(s):  
Nabila Rahma Silmi ◽  
Tuah Nur ◽  
Dian Purwanti
Keyword(s):  
Disaster Management ◽  
Research Method ◽  
Descriptive Analysis ◽  
Qualitative Approach ◽  
Successful Implementation ◽  
Analysis Method ◽  
The Public ◽  
Inhibiting Factors ◽  
Implementation Policy ◽  
Management Policies

The purpose of this research is to find out the implementation of regional disaster management policies in Sukabumi City and to find out the inhibiting and supporting factors of the successful implementation of regional disaster management policies. This research method uses descriptive analysis method with a qualitative approach. The results showed that the implementation of regional disaster management policies was not optimal. The conclusion is that the socialization activities are still lacking and equitable, human resources and infrastructure have not been added yet. The inhibiting factors are in terms of institutional, apparatus discipline, budget, resources, facilities and environment that are less conducive. Supporting factors are the existence of regulations or regulations on disaster management. for communication carried out by BPBD Sukabumi City in carrying out socialization activities or training on disaster management to the public is still lacking and uneven. Keywords: Implementation, Policy, Disaster Management.

scholarly journals MANAJEMEN RISIKO PEMBIAYAAN MUSYARAKAH MUTANAQISAH DI BANK MUAMALAT INDONESIA KC MAS MANSYUR SURABAYA

2020 ◽  
Vol 6 (1) ◽  
pp. 188
Author(s):  
Gea Papurane Langi ◽  
Imron Mawardi
Keyword(s):  
Risk Management ◽  
Research Method ◽  
Market Risk ◽  
Qualitative Approach ◽  
Case Study Method ◽  
Islamic Bank ◽  
Data Collecting ◽  
Financing Risk ◽  
Branch Office

This research is done to see any risks that happened in Islamic bank, which can damage the bank. While it aims to find out the strategy used by Bank Muamalat Indonesia (BMI) to reduce the risk faced and often happened in the field. The research method uses a qualitative approach with a case study method. Data collecting was done by relating proposed questions and the conclusion made from the result of the interview with Branch Manager (BM), Relation Manager, and Remedial BMI of Branch Office of Mas Mansyur. The result of this research showed that BMI of Mas Mansyur Branch Office had done the process of risk management by identifying risk in the manner of finding out the existing risks which are financing risk; market risk; and ownership risk, measuring and monitoring the risks in the manner of doing measurement to find out and see any reason that causes those risks exist, and controlling and managing the existing risks in Musyarakah Mutanaqisah (MMQ) financing in the manner of ways that have already determined by BMI of Mas Mansyur Branch Office. The last is by monitoring the risks in MMQ financing at BMI of Mas Mansyur Branch Office.Keywords: Risk Management, Risk, Financing, Musyarakah Mutanaqisah, Bank Muamalat Indonesia

scholarly journals Analysis of Corporate Governance on Islamic Bank in Indonesia

2019 ◽  
Vol 19 (2) ◽  
Author(s):  
Muhamad Nadratuzzaman Hosen ◽  
Nasimul Falah ◽  
Fitriyani Lathifah
Keyword(s):  
Corporate Governance ◽  
Islamic Law ◽  
Qualitative Approach ◽  
Islamic Banks ◽  
Islamic Bank ◽  
Positive Law ◽  
The Right ◽  
Islamic Values

This research demonstrates conceptual corporate governance (CG) which has relationship with regulations and Islamic teaching. Then, to investigate CG in Islamic Bank in Indonesia and to review law aspects and Islamic values related to rules of corporate CG in Islamic Bank in Indonesia. The study used qualitative approach using study literature and interview to analyze the implementation of corporate governance in Islamic bank in Indonesia. This study found that Islamic Banks which issued the rules of CG were not following philosophy of Islamic principles and not following strongly Islamic law and positive law. Hence, there were several fraud cases on Islamic banks inIndonesia. Islamic corporate governance in Indonesia still not find the implementation like in Malaysia. Rules of CG through regulation for Islamic bank is involving futher researher to examine the right policy. The regulation of corporate governance regulations for Islamic bank still need to be refined and turned into Islamic corporate governance standard in accordance with Islamic principles and national laws which required by Islamic bank.

scholarly journals Analisis Penggunaan Metode Analitycal Hierarchy Process (AHP) dalam Pemberian Pembiayaan bagi Nasabah di BRI Syariah KCP Ujungberung

2020 ◽  
pp. 33
Author(s):  
Iman Yulianto ◽  
N Eva Fauziah ◽  
Nanik Eprianti
Keyword(s):  
Research Method ◽  
Process Analysis ◽  
Descriptive Analysis ◽  
Well Being ◽  
Islamic Banks ◽  
Ahp Method ◽  
Islamic Economic ◽  
The Right ◽  
Hierarchy Process

The application of AHP method in financing risk management and analysis efforts, especially for KURS program in BRI Syariah is implemented in the decision making system application that is built with PHP programming language and uses the "MySql" database application which is expected to create a system that can help the bank in determining KURS recipients. by online. But in the implementation of the application, the AHP analysis process at BRI Syariah can be said to be in harmony with the Maqashid of Sharia and the terms of the distribution of financing as stipulated in the applicable laws. Based on these problems, the authors compile the formulation of the problem as outlined in the form of questions as follows: What are the provisions of Islamic economics regarding the determination of the distribution of financing for customers in Islamic banks? How is the implementation of the analysis of determining the priority of financing for customers using the Analyticalcal Hierarchy Process (AHP) method at BRI Syariah Ujungberung KCP? And how is the analysis of sharia economics towards the determination of financing provision for customers using the Analitycal Hierarchy Process (AHP) method in BRI Syariah Ujungberung KCP? The research method used is a descriptive analysis research method that aims to describe the use of the AHP method in analyzing financing for the MSME sector in the KURS program at BRI Syariah Ujungberung KCP. The conclusion of this study is that the determination of financing distribution for customers in Islamic banks is implemented into the application of the precautionary principle by using elements of the 5C standard and Islamic economic principles such as the principles of openness, honesty and fairness. The financing analysis using the AHP method at BRI Syariah Ujungberung KCP is carried out systematically and conical so as to produce the right, proportional and efficient decisions. And the determination of financing for customers using the Analyticalcal Hierarchy Process (AHP) method in BRI Syariah Ujungberung KCP in general is in accordance with the values and principles of economics in Islam which includes openness, fairness, prudence and openness and various aspects related to with human interests by providing for order in life and well-being (maslahah). Keywords : Process, Analysis, Financing, and Islamic Banks.Penerapan metode AHP dalam upaya analisis dan manajemen risiko pembiayaan khususnya bagi program KURS di BRI Syariah diimplementasikan pada aplikasi sistem pengambilan keputusan yang dibangun dengan bahasa pemograman PHP dan menggunakan aplikasi database “MySql” yang diharapkan dapat membuat sistem yang dapat membantu pihak bank dalam menentukan penerima KURS secara online. Namun dalam pelaksanaan aplikasinya, prosesn analisa AHP di BRI Syariah ini bisa dikatakan selaras dengan maqashid syariah maupun ketentuan penyaluran pembiayaan sebagaimana yang diatur perundang-undangan yang berlaku. Berdasarkan permasalah tersebut, maka penulis menyusun rumusan masalah yang dituangkan ke dalam bentuk pertanyaan sebagai berikut : Bagaimana ketentuan ekonomi syariah tentang penetapan penyaluran pembiayaan bagi nasabah di bank syariah ? Bagaimana pelaksanaan analisis penentuan prioritas pemberian pembiayaan bagi nasabah dengan metode Analitycal Hierarchy Process (AHP) di BRI Syariah KCP Ujungberung ? Dan bagaimana analisis ekonomi syariah terhadap penetapan pemberian pembiayaan bagi nasabah dengan metode Analitycal Hierarchy Process (AHP) di BRI Syariah KCP Ujungberung ? Metode penelitian yang digunakan adalah metode penelitian deskriptif analisis yang bertujuan untuk mendeskripsikan mengenai penggunaan metode AHP dalam melakukan analisis pembiayaan bagi sektor UMKM pada program KURS di BRI Syariah KCP Ujungberung.  Simpulan dari penelitian ini adalah penetapan penyaluran pembiayaan bagi nasabah di bank syariah diimplementasikan ke dalam  penerapan prinsip kehati-hatian dengan menggunakan unsur standar 5C dan prinsip ekonomi Islam seperti prinsip keterbukaan, kejujuran dan keadilan. Pelaksanaan analisis pembiayaan dengan metode AHP di BRI Syariah KCP Ujungberung dilakukan secara sistematis dan mengkrucut sehingga menghasil keputusan yang tepat, proporsional dan efisien. Serta Penetapan pemberian pembiayaan bagi nasabah dengan metode Analitycal Hierarchy Process (AHP) di BRI Syariah KCP Ujungberung secara umum telah sesuai dengan nilai-nilai dan prinsip-prinsi pekonomi dalam Islam yang meliputi keterbukaan, keadilan, kehati-hatian dan keterbukaan serta berbagai aspek yang terkait dengan kepentingan manusia dengan menyediakan untuk ketertiban kehidupan dan kesejahteraan (maslahah).Kata kunci : Proses, Analisia, Pembiayaan, dan Bank Syariah.

scholarly journals AN APPRAISAL OF THE CONSTITUTIONAL AND REGULATORY MECHANISMS FOR THE APPOINTMENT OF JUDICIAL OFFICERS IN NIGERIA AND ASSOCIATED CHALLENGES

2020 ◽  
Author(s):  
Musa Adamu Aliyu ◽  
Nor Anita Abdullah ◽  
Haslinda Muhd Anuar
Keyword(s):  
Research Method ◽  
Legal Profession ◽  
Structured Interview ◽  
Qualitative Approach ◽  
Regulatory Mechanisms ◽  
Legal Research ◽  
The Real ◽  
Chief Justice

The institution to settle the dispute between individuals is a court of law manned by Judges. To nominate and appoint the judges are herculean tasks which involve processes to ensure only fit and proper persons occupy Judicial Offices. This paper examined the constitutional and regulatory procedures for the appointment of Judicial Officers in Nigeria. The study identified the problems associated with the processes of the appointment of the Judicial Officers in Nigeria. The work adopted the socio-legal research method by using the qualitative approach. There is a dearth of literature in Nigeria on how the procedure for the appointment of Judicial Officers operates practically and the real problems associated with the operation of the procedural laws. To achieve the research objectives, a semi-structured interview was used. Three specialists in the Nigerian legal profession were interviewed to find out the actual issues on the ground. The study discovered that lobbying has been entrenched in the process of the appointment of Judicial Officers in Nigeria. The research further found that the powers of the Chief Justice of Nigeria to appoint the majority of members of the recommendation body threatens the independence of the Judiciary.

scholarly journals The Analysis of Reliability Costs Toward INA-CBGS Rates in Patients With Hypertension in Pandan Arang Boyolali District Hospital In 2017

2019 ◽  
Vol 16 (2) ◽  
pp. 105-117
Author(s):  
Isma Oktadiana
Keyword(s):  
Rural Areas ◽  
Cross Sectional Study ◽  
Cross Sectional ◽  
The Real ◽  
Real Cost ◽  
Level Ii ◽  
Treatment Of Hypertension ◽  
Class 1 ◽  
Grade 3 ◽  
The Cost

In Indonesia, the incidence of hypertension ranged from 6-15% and many patients are still not reached by health services, especially in rural areas. The research purposes to determine patterns of treatment of hypertension, the average cost of treatment, the factors that affect the total cost, and the cost of compliance with the real cost of the package INA-CBGs. The study was an observational cross-sectional study design according to the perspective of the hospital. Method of data collection was done in retrosfektif and data derived from quantitative data. Subjects were inpatients suffering from hypertension without comorbidities and hypertension with comorbid diabetes mellitus, heart failure and kidney failure. The results showed significant differences with the INA-CBG rates on total costs in outpatients differed significantly in 79 samples, while the real cost of Rp 335,145 was greater than the INA-CBGs rate of Rp. 181,400, while inpatients differed significantly in 63 samples at the grade I, grade 3, 2, 1 severity of Rp. Rp. , Rp. 1,438,069, Rp. 1,498,683, Rp. 2,000,685, the severity level II class 3 and class 1 was Rp. 1,540,134, Rp. 2,866,200, III and grade 1 III severity levels of Rp. 1,586,617 and Rp. 3,439,500. This difference shows a positive difference, where the total real cost is more.

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