scholarly journals ANALISIS MEKANISME KLIRING PADA KANTOR PERWAKILAN (KPW) BANK INDONESIA (BI) LHOKSEUMAWE

2019 ◽  
Vol 1 (2) ◽  
pp. 1-18
Author(s):  
Juliana Putri ◽  
Ratna Sari Dewi
Keyword(s):  
Field Study ◽  
Field Data ◽  
Field Research ◽  
Data Sources ◽  
Transaction Data ◽  
Research Objects ◽  
Network Disruptions ◽  
Network Disruption ◽  
Clearing Mechanism

This study aims to explain the clearing mechanism at Bank Indonesia Lhokseumawe City, to determine the constraints that occur in the clearing mechanism. This research is a field study or also called the type of field research, which is obtaining data from research objects by collecting data extracted from field data sources, namely from informants. The conclusions that the authors conclude in this study are as follows: 1. The clearing mechanism is carried out with several mechanisms, first, the company (the bank) sends payment data to the sending bank, second, the sending bank sends the transaction to the SKNBI the receiving bank receives transaction data and funds from the settlement, then third, the receiving bank verifies the name and account number of the customer recipient, if it is not appropriate, the director must be in bulk format, fourth, the recipient bank will forward the transaction to the customer's account The obstacle faced by BI in the clearing mechanism is the existence of network disruptions during the clearing process, so that Bank Indonesia needs to conduct bilateral transactions or clearing processes between banks using the RTGS system. Network disruption can occur nationally or locally experienced by each region or office, especially the Bank in Lhokseumawe City. Keyword: Clearing Mechanism, Bank Indonesia.   Abstrak Penelitian ini bertujuan untuk menjelaskan mekanisme kliring di Bank Indonesia Kota Lhokseumawe, untuk mengetahui kendala yang terjadi pada mekanisme kliring. Penelitian ini adalah penelitian lapangan atau disebut juga jenis penelitian lapangan, yaitu memperoleh data dari objek penelitian dengan mengumpulkan data yang diambil dari sumber data lapangan, yaitu dari informan. Kesimpulan yang penulis simpulkan dalam penelitian ini adalah sebagai berikut: 1. Mekanisme kliring dilakukan dengan beberapa mekanisme, pertama, perusahaan (bank) mengirim data pembayaran ke bank pengirim, kedua, bank pengirim mengirim transaksi ke SKNBI bank penerima menerima data transaksi dan dana dari penyelesaian, kemudian ketiga, bank penerima memverifikasi nama dan nomor rekening penerima pelanggan, jika tidak sesuai, direktur harus dalam format massal, keempat, bank penerima akan meneruskan transaksi ke rekening nasabah. Kendala yang dihadapi BI dalam mekanisme kliring adalah adanya gangguan jaringan selama proses kliring, sehingga Bank Indonesia perlu melakukan transaksi bilateral atau proses kliring antar bank menggunakan sistem RTGS. Gangguan jaringan dapat terjadi secara nasional atau lokal oleh masing-masing wilayah atau kantor, terutama Bank di Kota Lhokseumawe. Kata kunci: Mekanisme Kliring, Bank Indonesia.

Tinjauan Hukum Islam terhadap Praktek Jual Beli Akun Ojek Online

2020 ◽  
pp. 80
Author(s):  
Hawa Rumatiga ◽  
Panji Adam Agus Putra
Keyword(s):  
Qualitative Research ◽  
Field Data ◽  
Islamic Law ◽  
Field Research ◽  
Research Data ◽  
Data Sources ◽  
Library Research ◽  
Business Opportunities ◽  
Motorcycle Taxi

Abstarct. As technology develops, there are various business opportunities that require online-based services, two of which are Gojek and Grab. Both of these applications are known to only be used to provide passenger shuttle services, food, and etc. But lately many drivers are using their idle accounts for resale, even though the account is not entirely theirs and there is an agreement that has been agreed by the online motorcycle taxi partners / drivers with Gojek and Grab companies. This causes the occurrence of uncertainty and can pose a risk to the buyer, or can be said to contain Gharar so that it causes non-fulfillment of conditions in the sale and purchase transaction.The purpose of this study was to determine the form of gharar according to Islamic law, the practice of buying and selling online ojek accounts, and a review of Islamic law on the buying and selling practices of Gojek and Grab online ojek accounts.This research is a qualitative research. Data obtained from field data sources and library research sources were analyzed and compiled by descriptive analysis.The results showed that, the requirements in buying and selling transactions are things that must be fulfilled in Islamic law, the sale and purchase of an online motorcycle taxi account should not be done because it will pose a risk to the seller and the buyer. Keywords: Islamic Law, Buying and Selling, Ojek Accounts Online. Abstrak. Seiring berkembangnya teknologi munculah berbagai peluang bisnis yang memerlukan layanan berbasis online, dua diantaranya yaitu Gojek dan Grab. Kedua aplikasi ini diketahui hanya digunakan untuk memberikan layanan jasa antar jemput penumpang, makanan, dan sejenisnya. Namun belakangan ini banyak driver yang memanfaatkan akun mereka yang menganggur untuk dijual kembali, padahal akun tersebut bukan sepenuhnya milik mereka dan adanya perjanjian yang telah disepakati oleh mitra/driver ojol ini dengan perusahaan Gojek maupun Grab. Hal ini menyebabkan terjadinya ketidak jelasan dan dapat memberikan resiko kepada pembeli, atau dapat dikatakan mengandung Gharar sehingga menyebabkan tidak terpenuhinya syarat dalam transaksi jual beli. Tujuan penelitian ini adalah untuk mengetahui bentuk gharar menurut hukum Islam, praktek jual beli akun ojek online, dan tinjauan hukum Islam terhadap praktek jual beli akun ojek online Gojek dan Grab. Penelitian ini merupakan penelitian kualitatif. Data yang diperoleh dari sumber data lapangan (field research) dan sumber data kepustakaan (Library research) dianalisis dan disusun secara deskriptif analisis. Hasil penelitian menunjukan bahwa,       syarat dalam transaksi jual beli  merupakan hal yang wajib dipenuhi dalam hukum Islam, jual beli akun ojek online sebaiknya tidak dilakukan karena akan menimbulkan risiko kepada pejual maupun pembeli. Kata Kunci: Hukum Islam, Jual Beli, Akun Ojek Online.

Field Observation and Simulation of Sediment Resuspension in a Shallow Lake

1988 ◽  
Vol 20 (6-7) ◽  
pp. 263-270 ◽  
Author(s):  
K. Otsubo ◽  
K. Muraoka
Keyword(s):  
Numerical Simulation ◽  
Shallow Lake ◽  
Water Wave ◽  
Field Data ◽  
Sediment Resuspension ◽  
Field Research ◽  
Lake Kasumigaura ◽  
Bed Erosion ◽  
Current Water ◽  
Good Agreement

The dispersion and resuspension of sediments in Takahamairi Bay basin of Lake Kasumigaura were studied by means of field research and numerical simulation. The field data on wind direction and velocity, lake current, water wave, and turbidity were shown. Based on these results, we discuss how precipitated sediments were resuspended in this shallow lake. To predict the turbidity and the depth of bed erosion, a simulation model was established for this lake. The calculated turbidity showed good agreement with the field data. According to the simulated results, the turbidity reaches 200 ppm, and the bed is eroded several millimeters deep when the wind velocity exceeds 12 m/s in the lake.

Metaphors and cultural narratives on adaptive responses to severe adversity: A field study among the Indigenous Pitaguary community in Brazil

2019 ◽  
Vol 57 (2) ◽  
pp. 332-345 ◽  
Author(s):  
Iara Meili ◽  
Eva Heim ◽  
Ana C Pelosi ◽  
Andreas Maercker
Keyword(s):  
Posttraumatic Growth ◽  
Field Study ◽  
Cultural Context ◽  
Field Research ◽  
Adaptive Responses ◽  
Cultural Narratives ◽  
Structured Interviews ◽  
The Core ◽  
Recovery Processes ◽  
Context Specific

The expressions resilience and posttraumatic growth represent metaphorical concepts that are typically found in Euro-American contexts. Metaphors of severe adversity or trauma and the expressions of overcoming it vary across cultures—a lacuna, which has not been given much attention in the literature so far. This study aimed to explore the metaphorical concepts that the Indigenous Pitaguary community in Brazil uses to talk about adaptive and positive responses to severe adversity and to relate them to their socio-cultural context. We carried out 14 semi-structured interviews during field research over a one-month period of fieldwork. The data were explored with systematic metaphor analysis. The core metaphors included images of battle, unity, spirituality, journeys, balance, time, sight, transformation, and development. These metaphors were related to context-specific cultural narratives that underlie the Pitaguary ontological perspective on collectivity, nature, and cosmology. The results suggest that metaphors and cultural narratives can reveal important aspects of a culture’s collective mindset. To have a contextualized understanding of expressive nuances is an essential asset to adapt interventions to specific cultures and promote culture-specific healing and recovery processes.

A Field Study of the Effects of Asynchronous Groupware Support on Process Improvement Groups

1997 ◽  
Vol 12 (4) ◽  
pp. 245-259
Author(s):  
Ned Kock ◽  
Robert Mcqueen
Keyword(s):  
Field Study ◽  
Organizational Development ◽  
Process Improvement ◽  
Field Research ◽  
Total Quality ◽  
Negative Effects ◽  
Electronic Messaging ◽  
Process Adoption ◽  
Incremental Process ◽  
Main Change

Process improvement (PI) groups have been among the main change instruments of widely adopted and publicized organizational development approaches such as total quality management and business process re-engineering. Asynchronous groupware tools, such as electronic messaging systems, have found widespread use in organizations yet very little field research exists on how PI groups are affected by such tools. We try to fill this gap with a field study of the effects of asynchronous groupware support on seven PI groups in two New Zealand organizations. Our study indicates that, while not having perceived negative effects on group effectiveness, asynchronous groupware support was perceived as increasing process adoption, hierarchy suppression, departmental heterogeneity and contribution length and decreasing discussion duration, cost and interaction in PI groups. We argue that, based on these findings, the use of asynchronous groupware tools is likely to be beneficial in PI projects, particularly where a large number of PI groups proposing incremental process changes is conducted.

UPAH MENGUPAH PERTANIAN DALAM TINJAUAN FIQH MUAMALAH (Studi di Nagari Bukit Kandung Kecamatan X Koto Diatas Kabupaten Solok)

2021 ◽  
Vol 2 (3) ◽  
pp. 59
Author(s):  
Susanti Krismon ◽  
Syukri Iska
Keyword(s):  
Data Collection ◽  
Data Processing ◽  
Field Research ◽  
Secondary Data ◽  
Research Field ◽  
Farm Workers ◽  
Data Sources ◽  
Primary Data

This article discusses the implementation of wages in agriculture in Nagari Bukit Kandung Subdistrict X Koto Atas, Solok Regency in a review of muamalah fiqh. The type of research is field research (field research). The data sources consist of primary data sources, namely from farmers and farm laborers who were carried out to 8 people and 4 farm workers, while the secondary data were obtained from documents in the form of the Bukit Kandung Nagari Profile that were related to this research, which could provide information or data. Addition to strengthen the primary data. Data collection techniques that the author uses are observation, interviews and documentation. The data processing that the author uses is qualitative. Based on the results of this study, the implementation of wages in agriculture carried out in Nagari Bukit Kandung District X Koto Diatas Solok Regency is farm laborers who ask for their wages to be given in advance before they carry out their work without an agreement to give their wages at the beginning. Because farm laborers ask for their wages to be given at the beginning, many farm workers work not as expected by farmers and there are also farm workers who are not on time to do the work that should be done. According to the muamalah fiqh review, the implementation of wages in agriculture in Nagari Bukit Kandung is not allowed because there is an element of gharar in the contract and there are parties who are disadvantaged in the contract, namely the owner of the fields.

scholarly journals Philanthropic and ecological values of Merti Desa Tambakbayan tradition in Tambakboyo Village, Tawangsari District, Sukoharjo Regency

2021 ◽  
Vol 905 (1) ◽  
pp. 012083
Author(s):  
D T Ardianto ◽  
S Mataram
Keyword(s):  
Cultural Heritage ◽  
Social Status ◽  
Field Data ◽  
Data Sources ◽  
Joint Activities ◽  
Ecological Values ◽  
Environmental Balance ◽  
The Village

Abstract The Javanese tradition is manifested in various forms, one of which is Merti Desa Tambakbayan tradition in Tambakboyo Village, Tawangsari District, Sukoharjo Regency. This annual tradition is a cultural heritage that help to maintain environmental balance. This study seeks to describe the philanthropic and ecological values of Merti Desa Tambakbayan tradition. This research was a case study with traditional event as the object. The data sources were the Merti Desa Tambakbayan events, documents, and interview results with informants. The obtained field data showed the existence of philanthropic and ecological values in Tambakboyo community. These values can be seen from the traditions of having feast and exchanging meals together, and joint activities to clean up the environment around the village regardless of social status. These attitudes are essentials, especially when some members of the society are experiencing economic difficulties due to the ongoing Covid-19 pandemic.

scholarly journals Strategi Ekstrakurikuler Muhadharah dalam Melatih Kemampuan Public Speaking Siswa Mi

2021 ◽  
Vol 6 (1) ◽  
pp. 1029-1039
Author(s):  
Erfan Dwi Santoso ◽  
Rizki Amalia Sholihah ◽  
Yafita Arfina Mu’ti
Keyword(s):  
Field Study ◽  
Extracurricular Activities ◽  
Public Speaking ◽  
Data Sources ◽  
Human Data ◽  
Inhibiting Factors ◽  
Saturday Afternoon ◽  
Qualitative Descriptive ◽  
Speaking Skills

This study aims to determine the implementation of Muhadharah in training public speaking skills at MI Ruhul Amin, Muhadharah's extracurricular strategies in training public speaking skills, and its inhibiting and supporting factors. This type of research was conducted in the form of a qualitative descriptive field study. This study's sources of data include principals, teachers, students, and non-human data sources consisting of relevant madrasah documents and data. The results showed that the extracurricular activities of Muhadharah at MI Ruhul Amin were held every Saturday afternoon. The strategy used is to make a muhadharah schedule, compile and correct the speech's text, take turns choosing a place for muhadharah, take part in competitions or competitions. Inhibiting factors include students' lack of interest in muhadharah practice, lack of confidence, incomplete facilities, students' different character, and monotonous material delivery. These supporting factors include the extracurricular muhadharah that is carried out regularly, the existence of learning evaluations, the existence of sanctions for students who violate the rules, and quality supervisors

scholarly journals Perilaku Ekonomi Bank Syariah dan Risikonya Terhadap Rate of Return Bagi Nasabah Deposan Dalam Pembiayaan Mudarabah dan Murabahah (Studi Kasus Bank-bank Syariah di Wilayah Yogyakarta)

2016 ◽  
Vol 16 (1) ◽  
pp. 1
Author(s):  
Abdul Mughits
Keyword(s):  
Risk Management ◽  
Behavioral Finance ◽  
Field Data ◽  
Third Party ◽  
Rate Of Return ◽  
Rational Behavior ◽  
Islamic Banks ◽  
Islamic Bank ◽  
Irrational Behavior ◽  
Research Objects

This research tries to check the potency of risk of Islamic bank in defrayal of mudarabah and murabahah. This research was inspired from ascription of whereas one who said that the Islamic banks have not been risk because they have owned the guidance of risk management published by Bank Indonesia (BI). One way to assess the existence of potency of risk of Islamic bank in its defrayal product is using the theory of behavioral economics which’s in general differentiated to two categories, that is rational that which tends to be risk and irrasional that which tend to be not risk. Rational behavior is presented by the approach of efficiency market hyphotesis (EMH) and irrational behavior is presented by the approach of adaptive market hypothesis (AMH) And behavioral finance (BF). This research objects are four Islamic banks in Yogyakarta. After conducting by tracing of field data then found by that four Islamic banks affirm still face the risk in their operational, especially operational risk, risk of credit and risk of liquidity. From four bank also show that their behaviors are irrasional because tend to show the behavior of AMH and BF, than EMH. Thereby its risk potency tend to minimize to rate of return of client of deposan or third party lenders ( DPK).

scholarly journals Students’ Influences of CAA: A Case Study of Senior High School in Badung Bali

2019 ◽  
Vol 1 (1) ◽  
pp. 1
Author(s):  
I Gusti Ayu Vina Widiadnya Putri
Keyword(s):  
High School ◽  
Data Collection ◽  
Field Research ◽  
Analysis Data ◽  
Descriptive Study ◽  
Qualitative Description ◽  
Data Sources ◽  
Computer Assisted ◽  
Vocational High School

The aims of this study is to find out and analyzed about students’ influences of Computer-assisted assessment (CAA) It is the case study and field research of one school in Nusa Dua Badung-Bali. The data sources chosen in this study were several high schools that carried out online examinations at Nusa Dua Vocational high school Bali-Indonesia. Data collection is done by random sampling from data sources, observation, interviews, recording, and note taking. Distribution of questionnaires was also carried out to strengthen data analysis. Data is analyzed based on the formulation of the problem and the study of theory that has been, then analyzed in qualitative description. The descriptive study used paper-based surveys and interviews for data collection. To obtain information about the students’ influences of Computer-assisted assessment (CAA). Based on our review and study result, there are some influences that found. The Computer-assisted assessment (CAA) systematics is held with the aim that students become more critical and independent in solving the questions given.

scholarly journals Peningkatan Keterampilan Kitabah Melalui Khat Riq’ah dengan Manhaj Hamidi di Sekolah Kaligrafi AL-Qur’an (SAKAL) Jombang

2021 ◽  
Vol 6 (1) ◽  
pp. 43-58
Author(s):  
Ahmad Yasir Amrullah ◽  
Muhammad Fauzi ◽  
Sarifudin
Keyword(s):  
Data Collection ◽  
Field Research ◽  
Qualitative Approach ◽  
Data Sources ◽  
Education Model ◽  
Descriptive Method

This study aims to determine the skills of the kitabah through khat riq'ah with manhaj Hamidi. This study uses a qualitative approach. This type of research is field research conducted at the Al-Quran Calligraphy School (SAKAL) in Jombang, East Java. The data sources in this study were SAKAL students and teachers. Data collection techniques using observation, documentation, and interviews. The data obtained were classified and analyzed by descriptive method. For the presentation in the form of descriptive narrative. The results of this research indicate that: First, learning the book through khat riq'ah with manhaj Hamidi aims to realize a pesantren-based madrasa education model, as well as fostering students' skills, morals, intellectuals and spirituality, and building abilities, especially in the field of Al-Qur'an calligraphy. In the process of learning khat Riq'ah, two guide books/Kurrasah were used, including Kurrasah Yusuf Dzannun and Muhammad Izzat. Second, its application in learning begins with giving an example of one point from the teacher to the student, then a colon, the basic letter (ا-ب-م-ي-ق-ص-هـ-ج) followed by the letter mustakhrajat (د-ر-س-ض-ع-ف-ك-لا) after all the letters are finished, continue with murajaah or repeat all the letters that have been learned in one deposit. After the murajaah is finished, it is continued by imitating the sentences in the book. So that by using this method, students' book skills have increased significantly. Abstrak: Penelitian ini bertujuan untuk mengetahui keterampilan kitabah melalui khat riq’ah dengan manhaj Hamidi. Penelitian ini menggunakan pendekatan kualitatif. Jenis penelitian ini merupakan penelitian lapangan yang dilakukan di Sekolah Kaligrafi al-Quran (SAKAL) yang berada di Jombang Jawa Timur. Sumber data dalam penelitian ini adalah siswa dan guru SAKAL. Data dikumpulkan dengan menggunakan teknik observasi, dokumentasi dan wawancara. Data yang diperoleh diklasifikasikan dan dianalisis dengan metode deskriptif. Untuk penyajiannya dalam bentuk deskriptif naratif. Hasil penelitian ini menunjukkan bahwa: Pertama, Pembelajaran kitabah melalui khat riq’ah dengan manhaj Hamidi bertujuan untuk merealisasikan model pendidikan madrasah berbasis pesantren, serta pembinaan keterampilan, moral, intelektual dan spiritual siswa dan membangun kemampuan khususnya bidang kaligrafi Al-Qur’an. Dalam proses pembelajaran khat Riq’ah memakai dua buku panduan/kurrasah, diantaranya kurrasah  Yusuf Dzannun dan Muhammad Izzat. Kedua, Penerapannya dalam pembelajaran diawali dengan pemberian contoh titik satu dari guru kepada murid, kemudian titik dua, huruf asasiyah (ا-ب-م-ي-ق-ص-هـ-ج) dilanjutkan dengan huruf mustakhrajat (د-ر-س-ض-ع-ف-ك-لا)  setelah semua huruf selesai dilanjutkan dengan murajaah atau mengulang semua huruf yang telah dipelajari dalam satu kali setor. Setelah murajaah selesai dilanjutkan dengan menirukan kalimat yang ada di kitab. Sehingga dengan menggunakan metode ini, keterampilan kitabah siswa mengalami peningkatan secara signifikan.

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