Program Paket Masa Depan BPTN Syariah Perspektif Fiqh Muamalah

<p>Until 2018, BTPN Syariah's profits have reached Rp. 7.27 trillion and making BTPN Syariah one of the largest Islamic commercial banks (BUS) in Indonesia. This is due to BTPN Syariah's main product, Paket Masa Depan (PMD) program. However, in the implementation of the PMD program in Depok's mobile marketing Syariah (MMS) Sleman district, some parties do’t understand the contents of the PMD contract so they think PMD financing was the same as loans that benefit from interest. This research is a field research. This research aims to describe and analyze BTPN Syariah PMD program in MMS Depok muamalah fiqh perspective. Data collection in this study was obtained from interviews, observations, and documentation. The results of this study are the implementation of PMD in MMS Depok not in accordance with company regulations and fiqh muamalah. PMD implementation mistakes at MMS Depok namely; does not submit a murabahah contract, so that carrying out financing raises the perspective of interest loans; the customer deviates from the use of funds that are’t in accordance with the agreement; the object of the contract in financing is money, not goods; predetermined financial ceiling; and customers cannot withdraw their wadiah savings at any time but by ordering and can only be compile by routine meeting sentra.</p>

Pelatihan Penggolahan Sampah Organik Skala Rumah Tangga Menggunakan Metode Keranjang Takakura

Every day people always produce household waste. In an average day each resident produces 2-3 liters of waste. To reduce the amount of waste that is disposed of in the TPA, the community needs to carry out their own waste processing techniques. The most appropriate method of processing organic waste is to use the compost. Compost is an effort to process organic waste through a controlled decomposition process. The main product of composting is environmental cleanliness, because the amount of disposing organic waste in the landfill that can be reduced. Subsequence, it can be obtained the compost yield as another advantage. Composting with the Takakura method is very suitable for tropical areas and household scale.

Enhancing Students’ Green Ethic-Based Problem Solving Skills in English for Tourism Subject Course

This study aims to examine the development of students' core competencies in learning English for Tourism at Tourism Department Politeknik Negeri Bali, where the main product is a green ethical-based measurement instrument for Core Competencies Practices of Problem Solving Skills. Two types of instruments have been created and designed and then used to assess the level of Development in the teaching and learning process for students and lecturers. The results of the Students' Report trial show that overall the instrument is suitable for widespread use. Confirmatory factor analysis results also show the validity of the sub constructs for each main construct. The results of the level of development of Core Competencies show that the minimum development of students' Core Competencies is above 4.2. This means that the development of student Core Competencies has been achieved. For this reason, the Core Competencies development model must maintain to be developed, tested and finally implemented.

Elucidating the Fragmentation Mechanism of Protonated Lewis A Trisaccharide using MSn CID

Lewis blood group antigens are a prominent example of isomeric oligosaccharides with biological activity. Understanding the fragmentation mechanism in the gas phase is essential for their identification and assignment by mass spectrometric methods such as ESI-MS. In this work, the [M + H]+ species of Lewis A trisaccharide and Lewis A trisaccharide methyl glycoside were studied by ESI-MS with FT-ICR as mass analyzer with respect to their fragmentation mechanism. The comparison between the underivatized and the methylated species has shown that the reducing end plays a key role in this mechanism. The results of this study question the existence of Z-type fragment ions after activation of the protonated species. The main product of the fragmentation are Y-type fragment ions and a combination of Y-type fragmentation and the loss of water at the reducing end instead of Z-type fragmentation. C-type fragment ions could not be detected. MS3 measurements also reveal that each fragment ion only occurs with the participation of a mobile proton and the possibility of glycosidic bond cleavage after fragmentation has already occurred at the reducing end as B2 fragment ion.

Pengembangan Media Pembelajaran Multimedia Interaktif Menggunakan Microsoft PowerPoint pada Materi Peluang Kelas XII

<p class="06IsiAbstrak">Penelitian ini bertujuan untuk mengetahui kelayakan media pembelajaran multimedia interaktif menggunakan <em>Microsoft PowerPoint</em> pada materi peluang kelas XII. Jenis penelitian ini adalah penelitian <em>research and development</em>. Langkah pengembangan penelitian ini mengacu pada model Borg and Gall. Penelitian dan pengembangan ini mengacu pada model pengembangan Borg dan Gall, yang menggunakan 10 tahap. Namun, dalam penelitian ini peneliti menyederhanakan menjadi 7 tahap. Penelitian ini merupakan penelitian dalam skala kecil yang terhalang oleh keterbatasan biaya, waktu, dan kesamaan tahap. Berdasarkan hasil penelitian, maka dapat disimpulkan bahwa media pembelajaran multimedia interaktif menggunakan <em>Microsoft PowerPoint</em> materi peluang dikembangkan telah layak digunakan dalam pembelajaran. Kelayakan ini didasarkan pada uji kelayakan ahli materi yang mendapatkan skor 38,5 artinya memiliki kategori sangat layak. Uji kelayakan ahli media yang mendapatkan skor 81,5 memiliki kategori sangat layak. Uji kelayakan dari pengguna pada uji coba awal yang mendapatkan skor 66,4 memiliki kategori sangat layak. Uji kelayakan pada uji lapangan produk utama yang mendapatkan skor 69 memiliki kategori sangat layak. Temuan ini menjadikan media pembelajaran ini dapat dijadikan alternatif media pembelajaran matematika oleh guru maupun siswa.</p><p class="06IsiAbstrak"> </p><p class="07KatakunciKeywords">This study aims to determine the feasibility of interactive multimedia learning media using Microsoft PowerPoint in class XII opportunity material. This type of research is research and development research. This research development step refers to the Borg and Gall model. This research and development refer to the Borg and Gall development model, which uses 10 stages. However, in this study the researcher simplified it into 7 stages. This research is research on a small scale which is hindered by the limitations of cost, time, and the similarity of stages. Based on the results of the study, it can be concluded that interactive multimedia learning media using Microsoft PowerPoint material opportunities developed has been feasible to use in learning. This feasibility is based on a material expert's feasibility test who gets a score of 38.5 which means it has a very decent category. The feasibility test of media experts who get a score of 81.5 has a very decent category. The feasibility test of users in the initial trial who got a score of 66.4 has a very decent category. The feasibility test on the main product field test which gets a score of 69 has a very feasible category. These findings make this learning media can be used as an alternative media for learning mathematics by teachers and students.</p>

The Depiction of Coconut Products (Food and Non-Food) In Tidore Islands, North Maluku

Indonesia is the highest producer of coconut in the world. One of the cities in Indonesia which is the central producer of coconut is Tidore Islands, North Maluku. Tidore Islands is a city in the east part of Indonesia located in the province of North Maluku. Tidore Islands has many products made of coconut tree parts as raw materials. The products are varied from food products to non-food products. This research was a descriptive study to discover the variety of coconut products produced in the Tidore Islands as basic data to develop an integrated coconut industry in the Tidore Islands. The research was conducted in 4 sub-districts that had >40 ton/year production of coconut. The result showed that black copra was the main product of coconut widely produced by people in the Tidore Islands. Other food products were white copra, coconut oil, and VCO. Non-food products widely produced by people in Tidore Island were coconut shell charcoal, coconut fiber, broomstick, and liquid smoke.

Promoting the Pedagogical Use of Pictograms

This article reports on the findings of a qualitative research project, in which an instrumental case study with five in-service English teachers graduated from Universidad Nacional (UNA), Costa Rica was carried out. Hence, a hybrid continuing education workshop was designed and conducted, which was focused on promoting the pedagogical use of pictograms in the design of materials for teaching English. As the main product of the workshop, the participants created and used a teaching material which included pictograms. Among the main results obtained in the research project, the students’ facility, motivation, and speed to communicate their ideas in English by using pictograms stood out.

Fresh and pasteurized orange juice analysis by TXRF

Orange is considered the main product of the Brazilian citrus agro-industrial complex. However, in the end of 2016, the ANVISA pointed out orange as a risky product due to contamination using pesticides in its cultivation. Therefore, in this context, an analysis of the chemical elements present in fresh and pasteurized orange juices becomes extremely relevant. Thus, this work aims to quantify the elements that are present in fresh and pasteurized orange juices, using the TXRF technique. Samples of fresh orange juice of Pêra variety were acquired in a store in the city of Londrina-PR, were analysed; three samples of oranges were purchased at a store in Itápolis, São Paulo and five more samples of Pêra orange were obtained in the rural area. Samples of pesticides used in orange cultivation were quantified, and three different trademarks of pasteurized juice were analysed. In some of the samples that were collected in Itápolis-SP market, lead (Pb) element was quantified, however its concentration was within the limit established by Brazilian legislation. The aluminium (Al) element was detected in all samples of pasteurized orange juice, showing the influence of the packaging on the elemental concentration of the juice. All pesticides quantified in this work showed a significant concentration of some micro-contaminants, but when the pesticide was diluted in deionized water, those micro-contaminants could not be quantified.

Pengembangan Video Pembelajaran Matematika Berbantuan Sparkoll Videoscribe

Video pembelajaran yang dibuat secara khusus dapat dijadikan media pembelajaran yang efektif. Video pembelajaran cenderung jelas dan lebih mudah dipahami karena didukung dengan aspek audio dan visual. Asumsi tersebut didukung dengan banyaknya software atau aplikasi yang bisa digunakan untuk membuat Video pembelajaran seperti Sparkoll Videoscribe. Sparkoll Videoscribe merupakan sebuah software yang menggabungkan beberapa rangkaian gambar menjadi sebuah video animasi. Sparkoll Videoscribe menyajikan konten pembelajaran dengan memadukan gambar, suara, dan desain yang menarik sehingga siswa mampu menikmati proses pembelajaran. Tujuan penelitian ini adalah mengembangkan video pembelajaran matematika berbantuan Sparkoll Videoscribe. Penelitian ini menggunakan metode penelitian dan pengembangan (RD) dengan metode Borg Gall (1983) yang disederhanakan menjadi 6 tahapan yaitu: Research and Information Colecting, Planning, Develop Preliminary form a Product, Preliminary Field Testing, Main Product Revision, Main Field Testing. Hasil Uji lapangan kepada 28 Siswa SMP didapatkan skor dengan nilai 3,3179 dan berada pada kategori Sangat Baik dengan rentang penilaian antara 1,00 – 4,00. Dapat disimpulkan bahwa Video Pembelajaran Matematika Berbantuan Sparkoll Videoscribe ini valid dan dapat digunakan sebagai media video pembelajaran.

Molecular Characterization of Four Alkaline Chitinases from Three Chitinolytic Bacteria Isolated from a Mudflat

Four chitinases were cloned and characterized from three strains isolated from a mudflat: Aeromonas sp. SK10, Aeromonas sp. SK15, and Chitinibacter sp. SK16. In SK10, three genes, Chi18A, Pro2K, and Chi19B, were found as a cluster. Chi18A and Chi19B were chitinases, and Pro2K was a metalloprotease. With combinatorial amplification of the genes and analysis of the hydrolysis patterns of substrates, Chi18A and Chi19B were found to be an endochitinase and exochitinase, respectively. Chi18A and Chi19B belonged to the glycosyl hydrolase family 18 (GH18) and GH19, with 869 and 659 amino acids, respectively. Chi18C from SK15 belonged to GH18 with 864 amino acids, and Chi18D from SK16 belonged to GH18 with 664 amino acids. These four chitinases had signal peptides and high molecular masses with one or two chitin-binding domains and, interestingly, preferred alkaline conditions. In the activity staining, their sizes were determined to be 96, 74, 95, and 73 kDa, respectively, corresponding to their expected sizes. Purified Chi18C and Chi18D after pET expression produced N,N′-diacetylchitobiose as the main product in hydrolyzing chitooligosaccharides and colloidal chitin. These results suggest that Chi18A, Chi18C, and Chi18D are endochitinases, that Chi19B is an exochitinase, and that these chitinases can be effectively used for hydrolyzing natural chitinous sources.