Analisis Persepsi Ulama terhadap Pelaksanaan Perbankan Syariah di Kota Semarang

Ulama have an important and influential role to the Muslim societies in Indonesia. Ulama are Muslim scientists who master and well-understand of religious knowledge in Islam. At the present, Ulama also as an important figure who drives economic growth in the community in this case related to Islamic banking which conducts business activities based on sharia principles. The aim of the research is to explore the perception of Ulama towards the implementation of Islamic banking and to analyse the factors that influence the perception of Ulama in Semarang city. The method used in this research is descriptive qualitative research method. Qualitative data is collected by interviewing 3 representatives of Indonesian Muslim organization including Nahdlatul Ulama (NU), Muhammadiyah and Majelis Ulama Indonesia (MUI) in Semarang city. The data validity technique used is to use the triangulation method and the data collected are analysed by adopting the Miles and Huberman analysis model, which consists of three processes namely data reduction, data display, and conclusion drawing or verification. The results showed that the Kiai and Ulama in Semarang city which could be classified from the Nahdlatul Ulama (NU) revealed that their perceptions were limited to theories through the Qur’an and Hadits. Different from Muhammadiyah who better understand the implementation of Islamic banking because the representatives from the MUI and Muhammadiyah themselves act as Sharia Supervisory Board.

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Kewenangan Dewan Pengawas Syariah Dan Implikasi Terhadap Perwujudan Corporate Social Responsibility Di Perbankan Syariah

SASI ◽

10.47268/sasi.v27i4.536 ◽

2021 ◽

Vol 27 (4) ◽

pp. 504

Author(s):

Nury Khoiril Jamil ◽

Robiatul Adawiyah ◽

Rumawi Rumawi

Keyword(s):

Corporate Social Responsibility ◽

Social Responsibility ◽

Research Method ◽

Supervisory Board ◽

Social Aspects ◽

Islamic Banking ◽

Common Goal ◽

Conceptual Approach ◽

Corporate Social

Every company has a social responsibility. There are measurements of social responsibility that are carried out to achieve usefulness, one of which is Islamic banking. Although Islamic banking is only considered a labeling issue. However, with the role of DPS which is realized through CSR, it indicates that Islamic banking contributes and is responsible for various social aspects and nation building as a common goal as stated in the 5th principle of Pancasila. This study aims to determine the authority of the Sharia Supervisory Board (DPS) as mandated in laws and regulations and the implications for the realization of Corporate Social Responsibility (CSR) in Islamic banking. This research method is normative juridical, with a statutory and conceptual approach that refers to legal doctrines. The results of the study indicate that DPS has an important role in preventive efforts for activities in Islamic banking as well as the actuality of social responsibility that is realized through CSR.

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BERMAIN KONSTRUKTIF UNTUK MENINGKATKAN KEMAMPUAN BERBICARA PADA ANAK USIA 4-5 TAHUN

PRATAMA WIDYA : JURNAL PENDIDIKAN ANAK USIA DINI ◽

10.25078/pw.v6i2.2519 ◽

2021 ◽

Vol 6 (2) ◽

pp. 144

Author(s):

I Made Lestiawati

Keyword(s):

Qualitative Research ◽

Data Analysis ◽

Research Method ◽

Qualitative Data ◽

Peer Groups ◽

Data Display ◽

Communication Tool ◽

New Ideas ◽

Constructive Play ◽

Speaking Skills

Constructive play is an imaginative and fun game. This is important for children's development, one of which is the ability to speak as a communication tool for children to express all ideas and feelings when playing constructively, children can explore with their imaginations, learn to find and pour new ideas, do problem solving and recognize rules. The research method used is descriptive qualitative research. The purpose of this study was to see the meaning and benefits of constructive play. Constructive play activities emphasize the nature of building and creating something that can stimulate children's speaking skills. Qualitative data analysis using the model from Miles and Huberman through triangulation: (1) data reduction, (2) data display, (3) verification, through observation, interviews and documentation during the action. The results showed that through constructive play based on peer groups can develop children's speaking skills. Through the experience of playing, creating and interacting with peer groups, children can improve all aspects of their speaking ability.

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Pemaksaaan dalam Pendidikan dan Prestasi Belajar

Hikmah: Journal of Islamic Studies ◽

10.47466/hikmah.v15i1.124 ◽

2020 ◽

Vol 15 (1) ◽

pp. 25

Author(s):

Nurbaiti Nurbaiti

Keyword(s):

Student Achievement ◽

Correlation Coefficient ◽

Mixed Method ◽

Quantitative Data ◽

Research Method ◽

Qualitative Data ◽

Boarding School ◽

Data Reliability ◽

School Students ◽

Data Validity

This research was conducted at the Lirboyo Islamic Boarding School, East Java. The purpose of this study is to find out about coercion in education and its contribution to student achievement. We used 65 sample and we used mixed research method. We used triangulation as the qualitative data validity, and we used the product moment correlation coefficient and the biserial point correlation coefficient as the quantitative data validity. We used data reliability by alpha cronbach and KR 21. The results showed, the form of coercion in this boarding school by giving sanctions (punishment). The results also showed, there was a positive and significant correlation between giving sanctions to student achievement and sanctions had a contribution to student achievement of 39.60 percent. Keywords: Islamic Boarding School, Students, Coercion, Education, Sanctions. Penelitian ini dilakukan di Pondok Pesantren Lirboyo, Jawa Timur. Tujuan dari penelitian ini adalah untuk mengetahui tentang pemaksaan yang dilakukan dalam pendidikan dan kontribusinya terhadap prestasi belajar siswa. Jumlah sample dalam penelitian ini sebanyak 65 orang dan metode yang digunakan adalah metode penelitian campuran (mixed method). Validitas data secara kualitatif dengan menggunakan triangulasi, secara kuantitatif dengan menggunakan koefisien korelasi product moment dan koefisien korelasi point biserial. Reliabilitas data digunakan dengan alpha cronbach dan KR 21. Hasil penelitian menunjukkan, bentuk pemaksaan yang dilakukan di pondok pesantren ini dengan memberikan sanksi (punishment) terhadap pelanggaran yang dilakukan santri. Hasil penelitian juga menunjukkan terdapat hubungan yang positif dan signifikans antara pemberian sanksi terhadap prestasi belajar siswa dan pemberian sanksi memiliki kontribusi terhadap prestasi belajar siswa sebesar 39.60 persen. Kata Kunci: Pondok Pesantren, Santri, Pemaksaan, Pendidikan, Sanksi.

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The Effect of Mudharabah Financing, Musyarakah Financing and Ijarah Rent on Profitability in Islamic Banking 2015-2019

Akuisisi: Jurnal Akuntansi ◽

10.24127/akuisisi.v17i1.568 ◽

2021 ◽

Vol 17 (1) ◽

pp. 16-30

Author(s):

Yesi Oktavia ◽

Nana Diana

Keyword(s):

Regression Analysis ◽

Linear Regression ◽

Multiple Linear Regression ◽

Multiple Regression Analysis ◽

Research Method ◽

Linear Regression Analysis ◽

Multiple Linear Regression Analysis ◽

Islamic Banking ◽

Analysis Model ◽

Verification Methods

This study aims to determine the effect of Mudharabah Financing, Musharaka Financing and Ijarah Rental either partially or collectively on the level of profitability at PT. Bank Indonesia Syariah, Tbk. The research method used in this research is descriptive and verification methods with a quantitative approach. This study uses a multiple linear regression analysis model, using four classical assumptions, namely normality, multicollinearity, autocorrelation and heteroscedasticity. Based on the results of research using multiple regression analysis, for Mudharabah Financing, it is concluded that Mudharabah Financing (X1) has no significant effect on the level of Profitability Level (Y). Furthermore, for Musharaka Financing, it is concluded that Musharaka Financing (X2) has a positive and significant effect on the level of profitability. Then for the Ijarah Rental, it is concluded that the Ijarah Rental (X3) has no significant effect on the Profitability Level (Y). Then the conclusion is that Mudharabah Financing (X1) and Ijarah Rental (X3) have no significant effect on the Profitability Level (Y), while Musyarakah Financing has a significant effect on the Profitability Level (Y). Penelitian ini bertujuan untuk mengetahui pengaruh Pembiayaan Mudharabah, Pembiayaan Musyarakah dan Sewa Ijarah baik secara parsial maupun kolektif terhadap tingkat profitabilitas pada PT. Bank Indonesia Syariah, Tbk. Metode penelitian yang digunakan dalam penelitian ini adalah metode deskriptif dan verifikatif dengan pendekatan kuantitatif. Penelitian ini menggunakan model analisis regresi linier berganda dengan menggunakan empat asumsi klasik yaitu normalitas, multikolinieritas, autokorelasi dan heteroskedastisitas. Berdasarkan hasil penelitian dengan menggunakan analisis regresi berganda, untuk Pembiayaan Mudharabah dapat disimpulkan Pembiayaan Mudharabah (X1) tidak berpengaruh signifikan terhadap tingkat Tingkat Profitabilitas (Y). Selanjutnya untuk Pembiayaan Musyarakah, dapat disimpulkan Pembiayaan Musyarakah (X2) berpengaruh positif dan signifikan terhadap tingkat profitabilitas. Kemudian untuk Sewa Ijarah disimpulkan bahwa Sewa Ijarah (X3) tidak berpengaruh signifikan terhadap Tingkat Profitabilitas (Y). Maka kesimpulannya adalah Pembiayaan Mudharabah (X1) dan Sewa Ijarah (X3) tidak berpengaruh signifikan terhadap Tingkat Profitabilitas (Y), sedangkan Pembiayaan Musyarakah berpengaruh signifikan terhadap Tingkat Profitabilitas (Y).

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Hambatan Implementasi Akad Mudharabah pada PT. BPR Syariah Kotabumi Lampung Utara

FINANSIA: Jurnal Akuntansi dan Perbankan Syariah ◽

10.32332/finansia.v2i01.1444 ◽

2019 ◽

Vol 2 (01) ◽

pp. 1

Author(s):

Istiqomah Istiqomah

Keyword(s):

Human Resources ◽

Research Method ◽

Qualitative Data ◽

Supervisory Board ◽

Field Research ◽

Economic Conditions ◽

Analysis Technique ◽

Interview Methods ◽

Number Of Customers

Mudarabat financing is an agreement between Shahibul Mall and Mudarib to carry out business activities. In Kotabumi Syariah BPR, mudharabah financing is classified as financing with a low number of customers. The purpose of this study is to determine the obstacles in the implementation of mudharabah contract in PT BPR Syariah Kotabumi. The research method used is a field research method that is descriptive qualitative in nature. Methods of data collection are interview methods and documentation. Analysis of the data used is a qualitative data analysis technique with inductive thinking. The low mudharabah financing of PT BPR Syariah Kotabumi is caused by several inhibiting factors which come from customers such as moral hazard risk, customer transparency, type of business financed by the bank, customer productivity in managing the business, small demand for financing from customers, and factors from internal bank, namely the absence of a supervisory board that fosters and directs customers in managing the business, the low interest of the bank in channeling mudharabah financing products, lack of competent marketing human resources. Efforts made by PT BPR Syariah Kotabumi to minimize obstacles in the implementation of mudharabah financing contracts, namely customer business feasibility analysis, providing financing to customers with clear economic conditions, improving the quality of HR (Human Resources) internal BPR Syariah Kotabumi.

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PENGEMBANGAN KREATIVITAS ANAK USIA DINI MELALUI METODE PEMBELAJARAN FIELD TRIP DI TK RAHMATKAN KOTA JAMBI

SMART KIDS: Jurnal Pendidikan Islam Anak Usia Dini ◽

10.30631/smartkids.v2i2.63 ◽

2020 ◽

Vol 2 (2) ◽

pp. 32

Author(s):

Nurul Annisa Dewantari Nasution ◽

Yulianti Yulianti

Keyword(s):

Research Method ◽

Qualitative Data ◽

Language Skills ◽

Field Trip ◽

Field Trips ◽

Learning Activities ◽

Family Education ◽

Learning Method ◽

Data Display ◽

Social Emotional

This study aims to determine the application of learning methods through field trips to increase the creativity of early childhood in kindergarten of Rahmatkan, Jambi city. The research method used is descriptive qualitative. Data obtained from the results of interviews, observations and documentation sourced from kindergarten of Rahmatkan, Jambi city. The data collected was followed up with data reduction, data display and drawing conclusions. Kindergarten or kindergarten was established as an effort to develop all aspects of the personality of students in order to bridge family education to school education. The scope of the program of learning activities includes; the formation of behavior through habituation in the development of Pancasila moral, religion, discipline, social emotional, and social skills, as well as the development of basic abilities through activities prepared by the teacher including developing language skills, thinking power, creativity, skills and physicality. The field trip learning method is able to stimulate creativity which makes children more confident, daring to appear and dare to try new things that stimulate high curiosity as a creative characteristic.

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Do the Characteristics of Internal Audits and Compliance Functions Affect Sharia Compliance?

Journal of Indonesian Economy and Business ◽

10.22146/jieb.54574 ◽

2020 ◽

Vol 35 (2) ◽

pp. 97

Author(s):

Laili Latifah Puspitasari ◽

Wuri Handayani

Keyword(s):

Research Method ◽

Supervisory Board ◽

Internal Audit ◽

Annual Reports ◽

Islamic Banking ◽

Islamic Banks ◽

Compliance Function ◽

Analysis Technique ◽

The Relationship ◽

Positive Effect

Introduction: This study aims to explore the relationship between the characteristics of an internal audit (IA) and a compliance function (CF) toward sharia compliance. Background Problems: The Sharia Supervisory Board (SSB), which is supposed to guarantee sharia compliance in Islamic banking, does not function properly. Consequently, the SSB delegates this supervision to the banks’ employees, so the compliance function and internal audit become common practices used to address any issues. Novelty: The majority of previous studies have examined the role/characteristics of the SSB in sharia compliance. On the other hand, few studies have examined the role/characteristics of IA and CF in sharia compliance. Therefore, this study was conducted to examine the characteristics of IA and CF toward sharia compliance. Research Method: The study utilized the seven Islamic banks in Indonesia which published their annual reports for the period from 2011 to 2018 as its research sample. The analysis technique used in this study is a multiple regression analysis. Results: The results indicated that IA and CF competencies had a positive effect toward the sharia compliance of Islamic banks in Indonesia. Conclusion: It is necessary to enhance the competencies of IA and CF staff through improving their professional qualifications, such as through education programs, certification and relevant training on the scope of sharia supervision. Such actions need to be done to support IA and CF staff in performing the comprehensive supervision of sharia compliance.

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Comparison Of Good Corporate Governance(GCG) Implementation Practices In Islamic Commercial Banks In Indonesia

Syarikat: Jurnal Rumpun Ekonomi Syariah ◽

10.25299/syarikat.2021.vol4(2).8502 ◽

2021 ◽

Vol 4 (2) ◽

pp. 25-32

Author(s):

Hendra Eka Saputra ◽

Zul Ihsan

Keyword(s):

Corporate Governance ◽

Monitoring System ◽

Commercial Banks ◽

Research Method ◽

Descriptive Analysis ◽

Supervisory Board ◽

Islamic Banking ◽

Islamic Banks ◽

Good Corporate Governance ◽

Conventional Banks

Sharia Banking in Indonesia has a Sharia Supervisory Board that can monitor the operation of Sharia banks so that they are different from other banks. It is hoped that with this monitoring system the operation of corporate governance will be better. This study aims to explain the differences in the application of Good Corporate Governance (GCG) between Islamic banking in Indonesia. Sharia Bank is a bank whose application is different from conventional banks. Where one of the differences is the existence of a Sharia Supervisory Board which ensures bank activities are based on sharia. Then conducted a study of Islamic banks during 2014 to 2018. This research method uses descriptive analysis based on data that has been reported by each Islamic banking. The results of the survey showed that BCA Syariah and BSM received the highest rating among other sharia banks. This explanation shows that the implementation of corporate governance has been "very good" and has been in accordance with the stipulated provisions. BNIS, BRIS, Bukopin Syariah Bank, Mega Syariah Bank, Panin Syariah Bank, Victoria Syariah Bank, and Maybank Syariah, each ranked 2 (two). This means that the implementation of corporate governance goes "well". Interestingly, the Muamalat bank which has been the oldest BUS in Indonesia is ranked 3 (three). This means that the application of corporate governance is "good enough". Some notes on Muamalat's bank that must be corrected.

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Studi Komparatif Sistem Bagi Hasil Pembiayaan Mudharabah dan Sistem Bunga Kredit Pinjaman

Jurnal Ilmiah Akuntansi Kesatuan ◽

10.37641/jiakes.v1i3.246 ◽

2013 ◽

Vol 1 (3) ◽

pp. 215-220

Author(s):

Deni Yanuar ◽

Siti Ita Rosita

Keyword(s):

Data Analysis ◽

Research Method ◽

Qualitative Data ◽

Benefit Sharing ◽

Islamic Banking ◽

Qualitative Data Analysis ◽

Business Units ◽

Analysis Methods ◽

Credit Financing ◽

Data Analysis Methods

The development of Islamic banking in indonesia is getting better, a lot of banks that finallyopened a subsidiary engaged in the field of sharia or islamic business units. This is because theopening of the eyes of society Indonesia will practice usury in haram banks and conventionalbanking practices that want to locate in the halal In religion views. With this research, it,s expectedtobe made public is more aware of such differences, particlarly regarding concepts for results andinterest.The Research method is qualitative data analysis methods. This analysis aims to find outwhether the system applied by the object of research in accordance with theories that have beenstudied. Awarding of costs of the customer either in financing or in financing credit mudharabahby Bank Syariah X and Bank X not off of the various procedures that have been recorded on thecompany’s manual and various kinds of analysis. With meet procedure credit financingdetermined, the credit financing can work smoothly and can be done in management too. Infunding there are elements that is essential for survival bank. In mudharabah financing, theelements is a benefit sharing (for a results) that is, process benefit-sharing among owner funds andfund management according calneh the agreed. To financing credit, the element called interest,namely additional worn into transactions lending money. There are diffrences in the system for theresults and system interest,of them calneh agreement beginning, profit banks and customer andothers.

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THE IMPROVEMENT OF EXPERIMENTAL SKILLS BY IMPLEMENTING PREDICT, OBSERVE, EXPLAIN (POE) LEARNING MODEL IN LEARNING SCIENCE

Social, Humanities, and Educational Studies (SHEs): Conference Series ◽

10.20961/shes.v1i1.23624 ◽

2018 ◽

Vol 1 (1) ◽

Author(s):

Linda Pradina Candra ◽

Peduk Rintayati ◽

Jenny Indrastoeti Siti Poerwanti

Keyword(s):

Data Analysis ◽

Data Collection ◽

Fourth Graders ◽

Learning Model ◽

Learning Science ◽

Data Display ◽

Analysis Model ◽

Analysis Technique ◽

Data Validity ◽

Experimental Skills

The objective of this research is to improve the experimental skills of 4th grade students of SD N Surakarta year 2017/2018 through the application of Predict, Observe, Explain (POE) learning model in learning natural science. This research is a classroom action research conducted in three cycles and each cycle consists of two meetings. The subjects of this research are teacher and fourth graders of SDN N Surakarta Year 2017/2018 consisting of 12 students. Data collection techniques used are observation, interview, and documentation. Data analysis technique used is inte-ractive analysis model which has four components consisting of data collecting, data reduction, data display, and conclusion. Data validity test uses content validity and triangulation. Based on the results of research, it can be concluded that the application of Predict, Observe, Explain (POE) learning model can improve the experimental skills of 4th grade students of SD N Surakarta Year 2017/2018.

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