scholarly journals ANALISA SOLUSI PENEKANAN TINGKAT NON PERFORMING FINANCING (NPF) PADA PEMBIAYAAN MURABAHAH (STUDI KASUS PADA BPRS RAHMANIA DANA SEJAHTERA BIREUEN)

2020 ◽  
Vol 4 (2) ◽  
pp. 299-308
Author(s):  
Iskandar Iskandar ◽  
Rahmawati Rahmawati ◽  
Nurul Fahmi

Abstract The research objectives are: 1) To find out the factors that cause Non Performing Financing in murabaha financing at BPRS Rahmania Dana Sejahtera in Bireuen City. 2) To find out the Solution for Emphasis on Non-Performing Financing (NPF) Level on Murabaha Financing at BPRS Rahmania Dana Sejahtera in Bireuen City. The type of research the author uses here is a type of qualitative research with a descriptive approach, as well as data collection techniques using observation and interviews. Based on the results of the study, it can be concluded that: 1) Factors That Cause Non-Performing Financing are internal factors that arise from the bank with limited employee owned and new employees, while the internal factors of the customer, namely bankruptcy, incompetent in business, the filing of a business or collateral is not his, customers who use open funds in planning, as well as customers who are not responsible because of personal family factors. While external factors result from natural disasters, government regulations and conditions that are not in accordance with the plan. 2) Emphasis Solutions is carried out by applying a financing analysis consisting of a guarantee approach, character, repayment capability, feasibility study, and an approach to bank functions. Coupled with the application of the financing analysis principle of 5C (carater, capacity, capital, collateral, and condition of economy. Keywords: Non-Performing Financing, Murabahah Financing, Emphasis Solutions   Abstrak Tujuan penelitian ini adalah: 1) Untuk mengetahui faktor-faktor penyebab Non Performing Financing pembiayaan murabahah pada BPRS Rahmania Dana Sejahtera Kota Bireuen. 2) Untuk mengetahui Solusi Tingkat Penekanan pada Non Performing Financing (NPF) pada Pembiayaan Murabahah pada BPRS Rahmania Dana Sejahtera Kota Bireuen. Jenis penelitian yang penulis gunakan disini adalah jenis penelitian kualitatif dengan pendekatan deskriptif, serta teknik pengumpulan datanya menggunakan observasi dan wawancara. Berdasarkan hasil penelitian dapat disimpulkan bahwa: 1) Faktor Penyebab Non Performing Financing adalah faktor internal yang muncul dari bank dengan terbatasnya pegawai yang dimiliki dan pegawai baru, sedangkan faktor internal nasabah yaitu kebangkrutan, tidak cakap dalam berbisnis, pengajuan usaha atau agunan bukan miliknya, nasabah yang menggunakan dana terbuka dalam perencanaan, maupun nasabah yang tidak bertanggung jawab karena faktor pribadi keluarga. Sedangkan faktor eksternal disebabkan oleh bencana alam, regulasi dan kondisi pemerintah yang tidak sesuai dengan rencana. 2) Solusi penekanan dilakukan dengan menerapkan analisis pembiayaan yang terdiri dari pendekatan penjaminan, karakter, kemampuan pembayaran kembali, studi kelayakan, dan pendekatan fungsi bank. Ditambah dengan penerapan prinsip analisa pembiayaan 5C (carater, capacity, capital, collateral, dan kondisi perekonomian. Kata kunci: Non Performing Financing, Pembiayaan Murabahah, Solusi Penekanan.

2021 ◽  
Vol 2 (2) ◽  
pp. 51-57
Author(s):  
Yenny Ristiantie

This study aims to provide information about the history, processions and shifting values that occur in the Wiwitan Tradition in Mangunan, Dlingo, Bnatul, Yogyakarta and the factors behind it. This study used qualitative research methods. Data collection techniques with observation, interviews and documentation. The data analysis technique used was data collection, data reduction, data presentation and conclusion drawing. The results of this research is that the history Wiwitan Tradition which going on for hundreds of years. The stages in the Wiwitan Tradition are the stages of preparation and implementation. The form of a shift in the value of the Wiwitan Tradition is in the form of shift in value in terms of economy, social, tourism, religion and spirituality. The shift in value that occurs is caused by external factors and internal factors.


2021 ◽  
Vol 6 (1) ◽  
pp. 53-59
Author(s):  
Nurmalina Nurmalina ◽  
Hermanzoni Hermanzoni

The problem in this research is the interest of SMP 08 Kota Sawahlunto students in Wushu. The purpose of this study was to determine the causes of SMP 08 Kota Sawahlunto students to be less interested in Wushu. This study uses qualitative research with descriptive methods. This research produces descriptive data in the form of written or spoken words from people and observed behavior. The data collection techniques used were observation, interviews and documentation. This research was conducted from July to August 2020 at SMP 08 Sawahlunto City, Lumindai village, district. Barangin. The population in this study were 76 of all female students of SMP 08 Kota Sawahlunto. Sampling using proportional random sampling amounted to 15 students of SMP 08 Kota Sawahlunto. Based on the results of the research, the causes of the lack of asking students for Wushu consisted of two factors; 1) external factors and 2) internal factors. External factors, a) Infrastructure (27%), b) Distance (13%), c) Hard Wushu sports (20%), d) Parents (27%), e) Trainers (27%). Internal factors, a) Pain (7%), b) Lack of confidence (7%), c) Doubt (7%), d) Experience (7%)


Author(s):  
Indriana Rahmawati Rahmawati ◽  
Abdul Basith

The purpose of this study is to explore information about the forms of juvenile delinquency, factors that influence the occurrence of juvenile delinquency, and the efforts made by the school in controlling juvenile delinquency. The object in this study is the State High School (SMAN) in East Kutai Regency: SMAN 1 Sangatta Utara and SMAN 1 Sangatta Selatan. The approach used in this study is a qualitative research approach, with data collection techniques using interviews, observation and documentation. The results of the study show that the form of juvenile delinquency is mostly a form of juvenile delinquency in the case of violating school rules and violating regulations in the community. The factors that cause delinquency are due to external factors and individual internal factors. Efforts that have been made by schools in controlling juvenile delinquency is by preventive, repressive and curative manner.


2021 ◽  
Vol 5 (2) ◽  
pp. 813-822
Author(s):  
Dian Lestari ◽  
Resista Vikaliana

PT Lintas Maju Nusantara is one of the cargo delivery companies in Bekasi City. In the latest period, there has been a significant decline in cargo shipments. This research was conducted with the aim of knowing the internal and external factors that caused the decline in shipments, and ways to overcome the decline. This research focused on internal factors which include facilities, services, marketing, and employees of PT Lintas Maju Nusantara, and external factors which include competitors, customers, and government regulations. The research method used was quasi-qualitative with data collection techniques in the form of interviews, observation, and documentation. The results of this study indicate that the facilities owned by the company still require attention. On the other hand competitors and government regulations have also become a strong factor in the decline in cargo shipments that occurred at PT Lintas Maju Nusantara.


INFERENSI ◽  
2020 ◽  
Vol 14 (2) ◽  
pp. 201-220
Author(s):  
Itsla Yunisva Aviva ◽  
Misnen Ardiansyah ◽  
Syafiq Mahmadah Hanafi

This research discusses the motives of the Muslim community in choosing banking institutions by using the analysis of pragmatism theory. This research is qualitative research using a phenomenology approach. Data collection that is used in this research is the interview, observation, and documentation. The result of the study indicated that the Muslim’s customer of Yogyakarta tend to be pragmatic  due to the character of society which has more accommodating and flexible philosophy of life (tolerance). This pragmatic attitude was influenced by the internal factors (cognitive limitations) and external factors (reputation and service of Conventional Banks). Furthermore, adopting from the theory of  Schutz’s motives that the motives reason (because of motive) of Yogyakarta's Moslem customers in choosing to the bank are their inconsistency in choosing is influenced by economic and service motives that are stronger than religious motives. As for their destination motive (in order to motive) namely fulfilling their needs.


Author(s):  
Aryanti Dwi Untari ◽  
Nurfitriana Nurfitriana

This study aims to find out how the role of pancasila and citizenship education teachers in addressing the delinquency of learners in MTs Al-Khairiyah Kepandean, what are the forms of delinquency of learners in MTs Al-Khairiyah Kepandean and what are the obstacles of teachers pancasila education and citizenship in overcoming mischief students in MTs Al-Khairiyah Kepandean. This research uses qualitative research method, with descriptive approach. Data collection conducted by using interview techniques, observation, and documentation later processed again and examined by using triangulation techniques that aim to check the validity of data. The results of this study illustrate that the role of Pancasila and citizenship education teachers in addressing the delinquency of learners in MTs Al-Khairiyah Kepandean done through the role as a mentor, role as a moral agent, role as communicator and role as model. The forms of delinquency of learners in MTs Al-Khairiyah Kepandean are included in a-social and a-moral delinquency and can be categorized into mild mischief. The barriers of Pancasila and citizenship education teachers in dealing with delinquency of students in MTs Al-Khairiyah Kepandean are derived from family factors, environmental factors and schools.


2020 ◽  
Vol 1 (2) ◽  
pp. 112-126
Author(s):  
Sinta Yulis Pratiwi ◽  
Lailatul Usriyah

This research was conducted at Al-Baitul Amien Elementary School Jember which aims to answer the problem 1) How is the concept of prophetic education implementation in shaping the character of students at Al-Baitul Amien Elementary School Jember? 2) How is the implementation of prophetic education in shaping the character of students at Al-Baitul Amien Elementary School Jember? 3) How to evaluate the implementation of prophetic education in shaping the character of students at Al-Baitul Amien Elementary School Jember ? The method used in this study is a qualitative research method. The approach used is descriptive qualitative approach. The data collection techniques use interviews, observation, and documentation. And the validity of the data use triangulation of sources and techniques. The results obtained from this study indicate 1) The concept of prophetic education in shaping the character of students at Al-Baitul Amien Elementary School Jember in 2019/2020 school year in the form of the formation of a unique curriculum made based on the mosque's historical values, religious habituation programs and commemoration of Islamic holidays. 2) Implementation of prophetic education in shaping the character of students at Al-Baitul Amien Elementary School Jember 2019/2020 academic year in the form of some activities: Dhuha Prayers, Dhuhur and Ashar prayer Congregational, Habituation of reciting Asmaul Husna, Tahfidz Qur’an. 3) Evaluation obtained from the implementation of prophetic education, is the formation of students' character is influenced by internal factors, from within the students selves and external factors which include the environment and school activities.Keywords : implementation, prophetic education, character Penelitian ini dilakukan di Sekolah Dasar Al-Baitul Amien Jember yang bertujuan untuk menjawab permasalahan 1) Bagaimana konsep implementasi pendidikan profetik dalam membentuk karakter peserta didik di Sekolah Dasar Al-Baitul Amien Jember? 2) Bagaimana implementasi pendidikan profetik dalam membentuk karakter peserta didik di Sekolah Dasar Al-Baitul Amien Jember? 3) Bagaimana evaluasi implementasi pendidikan profetik dalam membentuk karakter peserta didik di Sekolah Dasar Al-Baitul Amien Jember?. Metode yang dipakai dalam penelitian ini adalah metode penelitian kualitatif. Pendekatan yang digunakan yaitu pendekatan kualitatif deskriptif. Adapun teknik pengumpulan data menggunakan wawancara, observasi, dan dokumentasi. Dan keabsahan datanya menggunakan triangulasi sumber dan teknik. Hasil yang diperoleh dari penelitian ini menunjukkan 1) Konsep pendidikan profetik dalam membentuk karakter peserta didik di Sekolah Dasar Al – Baitul Amien Jember tahun pelajaran 2019/2020 berupa pembentukan kurikulum khas yang dibuat berdasarkan nilai historis masjid, program pembiasaan keagamaan serta peringatan hari besar Islam. 2) Implementasi pendidikan profetik dalam membentuk karakter peserta didik di Sekolah Dasar Al – Baitul Amien Jember tahun pelajaran 2019/2020 berupa kegiatan: Sholat Dhuha, Sholat Dhuhur dan Ashar Berjamaah, Pembiasaan Asmaul Husna, Tahfidz Qur’an. 3) Evaluasi yang diperoleh dari pelaksanaan pendidikan profetik yakni, pembentukan karakter peserta didik dipengaruhi oleh faktor internal yakni dari dalam diri peserta didik dan faktor eksternal yakni meliputi lingkungan dan kegiatan sekolah. Kata Kunci : Implementasi, Pendidikan Profetik, Karakter    


Diksi ◽  
2018 ◽  
Vol 25 (1) ◽  
Author(s):  
Rahayu Dwi Rahmawati

Penelitian ini bertujuan untuk mengetahui (1) proses kreatif Dee Lestari dalam menulis serial Supernova, (2) faktor-faktor yang memengaruhi Dee Lestari dalam menulis serial Supernova, (3) wujud proses kreatif Dee Lestari dalam menulis serial Supernova, dan (4) teknik penceritaan Dee Lestari dalam menulis serial Supernova. Penelitian ini merupakan penelitian kualitatif deskriptif. Sumber data berupa wawancara dengan narasumber dan novel serial Supernova. Pengumpulan data dilakukan dengan teknik baca catat dan wawancara. Analisis data menggunakan deskriptif kualitatif yang terdiri atas memilih data, mereduksi data, menyajikan data, dan menarik kesimpulan. Hasil penelitian ini menunjukkan bahwa tahapan proses kreatif  Dee Lestari terbagi menjadi empat tahapan yakni tahapan persiapan, inkubasi, iluminasi dan verifikasi. Faktor-faktor yang memengaruhi proses kreatif terbagi atas faktor internal terdiri atas suasana hati, pengalaman hidup, imajinasi dan intuisi. Sementara faktor eksternal terdiri atas jenis kelamin, umur, pandangan hidup, latar belakang sosial dan budaya serta dorongan menulis. Wujud proses kreatif dalam menulis serial Supernova terdiri atas empat elemen yakni tema, alur, latar, dan penokohan. Teknik penceritaan dalam menulis serial Supernova terbagi atas lima teknik, yakni teknik pemandangan, adegan, montase, kolase, dan asosiasi.Kata Kunci: proses kreatif, pengarang, kajian ekspresif, serial Supernova  CREATIVE PROCESS OF DEE LESTARI IN WRITING SUPERNOVA SERIES (AN EXPRESSIVE STUDY) ABSTRACTThis study aims to reveal (1) Dee Lestari's creative process in writing the Supernova series, (2) the factors that influence Dee Lestari in writing the Supernova series, (3) the creative process of Dee Lestari in writing the Supernova series, and (4) the technique telling Dee Lestari in writing the Supernova series. This research is descriptive qualitative research. The sources of data in this study were interviews with resource persons and serial novels Supernova. Data collection was done by reading note technique and interview. Data analysis in this study used qualitative descriptive consisting of selecting data, reducing data, presenting data, and drawing conclusions. The results of this study indicate that the stage of the creative process Dee Lestari was divided into four stages of preparation stage, incubation stage, illumination stage and verification stage. Factors that affect Dee Lestari's creative process are divided into internal factors comprising mood, life experience, imagination and intuition, while external factors consist of gender, age, life view, social and cultural background and writing impulse. The creative process of Dee Lestari in writing the Supernova series consists of four elements, namely theme, plot, background, and characterization. Dee Lestari's storytelling technique in writing the Supernova series is divided into five techniques, namely scenery, scene, montage, collage, and association techniques.Keywords: creative process, author, expressive study, Supernova series


2021 ◽  
Vol 3 (1) ◽  
pp. 1-6
Author(s):  
Marliany Marliany ◽  
Andi Rasyid Pananrangi ◽  
Syamsul Bahri

Tujuan penelitian ini adalah untuk mengetahui dan menganalisis penanggulangan dan hambatan-hambatan pelaksanaan pelanggaran lalulintas, dan menganalisis deskripsi upaya yang dilakukan polisi dalam mengurangi angka pelanggaran lalu lintas di wilayah Polres Kabupaten Barru. Metode penelitian menggunakan jenis penelitian fenomenologi dan pendekatan penelitian kualitatif. Pengumpulan data dilakukan melalui: observasi, wawancara dan dokumentasi. Informan penelitian meliputi: (1) Kanit Dikyasa, (2) Kanit Patroli, (3) Polisi Patroli, dan (3) Tokoh Masarakat. Hasil penelitian menunjukkan bahwa: (1) Implementasi Patroli Polisi dalam penanggulangan pelanggaran lalu lintas, yaitu: (a) Fasilitas patroli Polisi melengkapi patroli Polisi dalam mencegah terjadinya pelanggaran lalu lintas ternyata belum maksimal, dan (b) Intensitas patroli Polisi menunjukkan peningkatan kepedulian Polisi dalam mencegah terjadinya pelanggaran lalu lintas. (2) Faktor determinan yang menjadi hambatan Patroli Polisi dalam penanggulangan pelanggaran lalu lintas, yaitu: (a) Faktor internal pelayanan ketertiban jalan raya bekemampuan dalam. melakukan patroli untuk menanggulangi terjadinya pelanggaran lalu lintas, dan (b) Faktor eksternal pelayanan ketertiban jalan raya menunjukkan kondisi eksternal patroli polisi dalam penanggulangan pelanggaran lalu lintas kurang efektif. The aim of this study is to find out and analyze countermeasures and obstacles in handling traffic violations, and to analyze the description of the efforts made by the police in reducing the number of traffic violations in the Police Area of Barru Regency. The research method uses the type of phenomenological research and qualitative research approaches. The data collection is done through: observations, interviews and documentations. Research informants include: (1) Dikyasa Kanit. (2) Kanit Patrol, (3) Patrol Police, and (3) Community Leaders. The results showed that: (1) The implementation of Police Patrol in overcoming traffic violations, such us: (a) Police patrol facilities complementing Police patrols in preventing traffic violations were not yet optimal, and (b) The intensity of Police patrols showed an increase in Police concern in preventing traffic violations; (2) Determinant factors that become obstacles to the Police Patrol in overcoming traffic violations, such as: (a) Internal factors of road order services with internal capabilities in conducting patrols to cope with traffic violations, and (b) External factors of road order services indicate that the external conditions of police patrols in handling traffic violations are less effective.


Tunas Agraria ◽  
2021 ◽  
Vol 3 (1) ◽  
pp. 180-199
Author(s):  
Fariz Wahyu Aditya ◽  
Sarjita Sarjita ◽  
Yendi Sufyandi

Abstract: The technical instruction number: 002/JUKNIS-300.UK.01.01/II/2019 dated on 1-02-2019 concerning Complete Systematic Land Registration Program Based on the Community Participation (Juknis PTSL-PM) enables the presence of community involvement as the manifestation of Article 42 paragraph (1) of the Regulation of the Ministry of Agrarian and Spatial Planning/Ka.BPN Number 6 of 2018. The practice can be found in Bojonegoro District which has started the PTSL–PM program before the issue of the technical instruction of PTSL-PM so that it causes issues related to the compatibility of the technical instruction of PTSL-PM implementation with the participative mechanism occurred in Bojonegoro District. The purpose of this research was to evaluate the implementation of the technical instruction of PTSL-PM. This research used qualitative research method through descriptive approach. The result of the research found that from 97 description of the activities as the comparison instrument, 48 activities were not appropriate, while 42 activities were appropriate (the activities type contains participation which is not regulated in the technical instruction of PTSL-PM) and 7 activities have not been studied so that those were not included in the research object. The components related to the working map, land data collection formation basic, and measurement method used were the components which affect the implementation of technical instruction of PTSL-PM the most. Land office of Bojonegoro District cannot perform the technical instruction of PTSL-PM fully since the participation method uniformity is not possible considering the community characteristic, human resource, and facilities-infrasturure which are different in each region.Keywords: PTSL, Community’s Participation, Technical Instruction Intisari: Petunjuk Teknis Nomor 002/JUKNIS-300.UK.01.01/II/2019 tentang Kegiatan PTSL Berbasis Partisipasi Masyarakat (Juknis PTSL-PM) memungkinkan adanya keterlibatan dari masyarakat sebagai perwujudan dari Pasal 42 ayat (1) Permen ATR/Ka.BPN Nomor 6 Tahun 2018. Praktiknya di Kabupaten Bojonegoro telah memulai program PTSL-PM sebelum diterbitkannya Juknis PTSL-PM sehingga menimbulkan persoalan terkait kesesuaian pelaksanaan Juknis PTSL-PM dengan mekanisme partisipatif yang telah terjadi di Kabupaten Bojonegoro. Tujuan penelitian ini adalah untuk mengevaluasi pelaksanaan Juknis PTSL-PM. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan deskriptif. Hasil dari penelitian ini adalah dari 97 uraian kegiatan sebagai instrumen pembanding, 48 kegiatan tidak sesuai, 42 kegiatan sesuai atau dapat disesuaikan (jenis kegiatan bersifat partisipasi namun tidak diatur dalam Juknis PTSL-PM) dan 7 kegiatan belum diteliti sehingga bukan merupakan objek penelitian. Komponen yang berkaitan dengan peta kerja, dasar pembentukan pengumpul data pertanahan dan metode pengukuran yang digunakan merupakan komponen yang paling mempengaruhi pelaksanaan Juknis PTSL-PM. Kantor Pertanahan Kabupaten Bojonegoro tidak dapat melaksanakan secara penuh Juknis PTSL-PM karena keseragaman metode partisipasi tidak dimungkinkan mengingat karakteristik masyarakat, sumberdaya manusia dan sarana prasarana memiliki perbedaan di setiap daerah.Kata Kunci: PTSL, Partisipasi Masyarakat, Petunjuk Teknis 


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