Analisis Fikih Muamalah Terhadap Transaksi Transfer Dana Antar Bank Melalui Aplikasi Flip

This study aims to analyze: first, the practice of transferring funds between banks through the Flip application, second, the fiqh muamalah analysis of interbank transfer transactions through the Flip application. The research method used in this research is field research with a qualitative approach. The results of this study indicate that: First, the practice of transferring funds between banks through the Flip application has been properly implemented using a wakalah contract, the mechanism used for transferring funds is by filling in transfer request data, transferring a nominal amount that you want to send plus a unique code to the account. Flip bank is the same as the user's bank, the user does not object to the addition of a unique code, the user is willing to add a unique code because the nominal unique code is smaller than conventional administration fees. Second, the fiqh muamalah analysis related to the law of interbank fund transfer transactions is permissible because it has avoided usury, maisir, gharar, tadlis transactions and there are benefits to ease transfer transactions between different banks.

Chemotherapy roadmaps in pediatric oncology: A digital electronic medical record integrated solution

Background Delivery of antineoplastic regimens in the pediatric setting is facilitated by a paper roadmap. Paper roadmaps are the key safety tool required for safe ordering. Electronic medical record systems offer technological solutions for ordering antineoplastic regimens, however, do not offer a solution that integrates paper roadmaps digitally. Methods A multidisciplinary project team implemented real-time clinician scanning of paper roadmaps into the electronic medical record. Results The rate of missing roadmaps decreased from an average of 1.6 to 0.8 per week. Pharmacists gained 3 h of productivity daily. Providers spend an average of 35–45 s and a total of seven clicks each time a roadmap is scanned. Overall, the clinical systems analyst spent less than 1 h of total build time. Conclusion Implementing roadmap scanning decreased the rate of missing roadmaps, increased pharmacist productivity, and required a nominal amount of analyst and provider time. In addition, this solution allows for concurrent viewing of the roadmap files from any connected computer, facilitating an easier co-signature process for providers, pharmacists, and nurses. Practice Implications These results suggest that implementing real-time scanning of roadmaps can improve oncology care efficiency while maintaining the same safety rigor that paper roadmaps offer.

A Review on Cultural Customs of Marriage Traditions Among Banjar Ethnic Women in Banjarmasin Indonesia

This study reveals the tradition of the Banjar inland tribes in their marriage rituals. For a Banjar ethnic woman, who adheres to her cultural customs, a marriage for them will only take place when it is arranged by the family. Arranged marriage means a marriage determined by the family with the prospective husband chosen by the family on certain factors. Family is the dominant factor that determines the future of a Banjar ethnic woman especially in the aspect of marriage. The research methodology used in this research is a literature review that reveals the secrets behind conventional marriage practices using a phenomenological approach. Firstly, this study found that for the Banjar ethnic group, traditionally arranged marriages are compulsory. Second, there is a culture of giving money in a nominal amount to the bride’s family before the wedding takes place. Third, the bride’s home must be filled with donations such as furniture or daily household necessities. If things as stated cannot be met, then the bride’s family will look for another prospective husband for her daughter. Such a marriage tradition is the practice and belief of the ancestors of the Banjar tribe, it is an ancient practice of dynamic animism.Keywords: Rituals; marriages; customs; Banjar; Indonesia.

IMPLEMENTASI STRATEGI DALAM PENANGANAN PEMBIAYAAN MACET DI BMT UGT SIDOGIRI TANGGULANGIN

This study aims to determine the implementation of strategies in handling bad financing at BMT UGT Sidogiri Tanggulangin due to a decrease in the nominal amount deposited by members due to the economic crisis during the Covid-19 pandemic, to deal with these problems, BMT UGT Sidogiri has a good strategy. The research results show that the strategies that have been used by BMT UGT Sidogiri Tanggulangin to deal with non-performing financing are proven to be able to overcome the problems that occur and have a good impact on customer responsibilities and obligations. This study uses qualitative research methods in order to clearly address the problems that occur and the strategies implemented by BMT UGT Sidogiri. Keywords: Bad Financing, BMT Ugt Sidogiri

IDENTIFIKASI 8 ASHNAF UNTUK MENDUKUNG AKUNTABILITAS LAZIS DALAM PENGENTASAN KEMISKINAN DI KECAMATAN PALENGAAN, PAMEKASAN

The purpose of this study was to identify 8 ashnaf to support LAZIS accountability in poverty alleviation in Palengaan District. The type of research used is qualitative research with a descriptive approach. The data in this study were obtained through interview, observation and documentation techniques. Sources of data used in the form of primary data sourced from interviews with the head of LAZIS, mustahik, muzakki, and local religious leaders, as well as secondary data from books, articles and journals. The results showed that there were only 4 groups of zakat recipients (ashnaf) identified in the LAZIS Panyeppen area, namely the indigent, the poor, amil, and fi sabilillah. In addition, from the results of the study it is also known that the distribution of zakat carried out by LAZIS Panyeppen has not fully helped the needs of the mustahik (the poor), this is because the nominal amount of zakat received by the poor is relatively lower than that received by other groups, so poverty in the Palengaan area has not been fully resolved.

The effect of the pre-wetting of expanded clay aggregate on the freeze-thaw resistance of the expanded clay aggregate concrete

This paper presents experimental research on expanded clay aggregate concrete. The aim of the investigations was to determine if the pre-wetting of expanded clay aggregate has an effect on the freeze-thaw durability of the expanded clay aggregate concrete. Five concrete series based on the same concrete mix design were made and tested. The degree of pre-wetting of the aggregate was varied: dry aggregate was used in the first series, aggregate with a moisture content of 10% was used in series IA and IB and aggregate with a moisture content of 25% was used in series IIA and IIB. Also the approach to the production process was varied: in series A the water contained in the aggregate was taken into account in the global water-cement ratio (consequently a reduced amount of water was added to the mix), whereas in series B the nominal amount of water was added to the mix (as in the case of dry aggregate). The freeze-thaw resistance criterion was based on the assessment of the decrease of compressive strength and increase in weight loss after exposure to freeze-thaw cycles. The expanded clay aggregate concrete's strength and mass decrements caused by freeze-thaw cycling were used as the measure of its freeze-thaw resistance. The investigations have shown that the pre-wetting of expanded clay aggregate has an effect on the freeze-thaw durability of the expanded clay aggregate concrete. The differences of concrete compressive strength decrease related to freeze-thaw durability may be 2 to 5 times greater when inadequate method of calculating mixing water for concrete is used.

Features of Electrophoretic Deposition of a Ba-Containing Thin-Film Proton-Conducting Electrolyte on a Porous Cathode Substrate

This paper presents the study of electrophoretic deposition (EPD) of a proton-conducting electrolyte of BaCe0.89Gd0.1Cu0.01O3-δ (BCGCuO) on porous cathode substrates of LaNi0.6Fe0.4O3−δ (LNFO) and La1.7Ba0.3NiO4+δ (LBNO). EPD kinetics was studied in the process of deposition of both a LBNO sublayer on the porous LNFO substrate and a BCGCuO electrolyte layer. Addition of iodine was shown to significantly increase the deposited film weight and decrease the number of EPD cycles. During the deposition on the LNFO cathode, Ba preservation in the electrolyte layer after sintering at 1450 °C was achieved only with a film thickness greater than 20 μm. The presence of a thin LBNO sublayer (10 μm) did not have a pronounced effect on the preservation of Ba in the electrolyte layer. When using the bulk LBNO cathode substrate as a Ba source, Ba was retained in a nominal amount in the BCGCuO film with a thickness of 10 μm. The film obtained on the bulk LBNO substrate, being in composition close to the nominal composition of the BCGCuO electrolyte, possessed the highest electrical conductivity among the films deposited on the various cathode substrates. The technology developed is a base step in the adaptation of the EPD method for fabrication of cathode-supported Solid Oxide Fuel Cells (SOFCs) with dense barium-containing electrolyte films while maintaining their nominal composition and functional characteristics.

House finance for low income groups in Pakistan

Shelter is the third basic need of human beings after food and clothing. Everyone has a desire to own a house. Pakistan is a developing country and due to limited resources, is unable to fulfill the complete demand of shelter of the population. In the four provinces, different housing schemes are offered by the government but due to the scarcity of resources, they are not enough to satisfy people. Governments should introduce new housing schemes in each of the four provinces, other than the existing ones. Private sector should also help the government in this regard by constructing employee’s colonies and deduct the nominal amount from their salaries, so that by the time of their retirement they become the owners of their houses. Descriptive statistics technique is used to analyze the housing schemes with the comparison of population accordingly in each province. Pakistan is an Islamic country and due to religious issues people are not in favor of availing financing facilities provided by conventional banks and HBFC. But after the establishment of Islamic banks up to some extent this issue has been slightly resolved. Islamic banks should introduce house financing facility to women on easy terms and then up to some extent, help the government to solve the problem of providing shelter to the population. Banking sectors should easy the procedure of house financing to increase the number of borrowers.

The Canned Vegetables Research in the Forensic Commodity Examination

The course of a forensic analysis of long-term storage food products (canned vegetables) has been reviewed. The significance of the stage of external inspection, examination of the label is shown. The expertise objects are finished products of the canning industry in factory package (vegetable marinades and first courses). The objects were examined for compliance with the appropriate GOST requirements and technical specifications for organoleptic characteristics, net weight, mass fraction of ingredients.As a result of determining the organoleptic properties of canned vegetables “Pickled beetroot” the presence of individual pieces with black firm beet tissue has been detected which indicates violation of technological patterns of production. The presence of a particle of an outside impurity has also been detected that is a particle of paint coating based on alkyd binder and containing calcium carbonate as a filler which is unacceptable. The deviation of the canned vegetables net contents from the nominal amount indicated on the label meets the requirements of the regulations. For individual cans from the sample provided for analysis the experts have found non-compliance with the technical specifications for the rate “Mass fraction of vegetables from the total mass of canned goods”.When examining the canned good “First courses. Borsch with fresh cabbage” it has been identified that the samples have various labels on the consumer containers which indicates the presence of samples from different shipments.

Home / Archives / Vol 1 No 1 (2019): December 2019 / Articles Providing Hotel Incentives to Increase Employee Loyalty

The background of this research was based on of importance of providing incentives to employees at 4-star hotel in Seminyak, Bali. The purpose of this research to determine whether the provision of incentives can increase employee loyalty at the hotel. The data was collect by interviews, observation and documentation, incentive variable and employee loyalty is by using questionnaire and percentage. The data source were used primer and secondary data. The data will analyzed used qualitative descriptive and quantitative descriptive. This research of this study indicate that the providing of incentives by the hotel able to improve employee loyalty. This is indicated from the results of questionnaire as many as 85,2% answered strongly agree and agree, while 14,8% answered disagree. The suggestion in this study is that giving incentives to the hotel is good, but it need to increase the nominal amount of incentives provided so as to increase employee loyalty. Employee need to increase loyalty of that work so that hotel revenue will be increase, and incentives are also increased.