scholarly journals Implementasi Denda Pada Akad Murabahah Dalam Perspektif Ekonomi Syariah Di BMT Purwakarta Amanah Sejahtera (PAS)

2021 ◽  
Vol 5 (1) ◽  
pp. 131-146
Author(s):  
Putranto Sigit ◽  
Ahmad Saepudin ◽  
Saepul Bahri ◽  
Yulia Purnama
Keyword(s):  
Financial Institution ◽  
Field Research ◽  
General Knowledge ◽  
Community Needs ◽  
Deductive Method ◽  
Qualitative Descriptive ◽  
Apparent Reason ◽  
Penalty System ◽  
Data Collection Technique ◽  
The Right

Murabaah payments can be made in cash and installments. However, often in the installment process, banks are faced with various problems, especially bad loans. The problem that often occurs in banking is customers who are able but deliberately delay their obligations to the bank. This has resulted in the possibility of the bank experiencing material and non-material losses. in sharia banks in accordance with the DSN-MUI fatwa No. 17 of 2000, if the customer intentionally delays payment for no apparent reason, the sharia financial institution has the right to impose a fine on him in accordance with the previously agreed upon agreement. The purpose of this study was to determine the system of fines on sharia financing products at BMT PAS and to determine the implementation of fines on murabahah contracts in a sharia economic perspective at BMT Purwakarta Amanah Sejahtera (PAS). This type of research is field research, the data is obtained in the field, meaning that it is direct research to obtain data from the facts that occur on the BMT PAS with a qualitative descriptive approach. The data collection technique is done by triangulation (combined), data analysis is a deductive method, namely a method that departs from general knowledge about a phenomenon (theory) and is based on general knowledge that wants to assess specific things. The results of this study indicate that the penalty system for sharia financing products at BMT PAS is by giving policies to members affected by fource majeur by freeing them to pay their financing installments. If it is found that the economic condition of the member is able to pay the debt but does not obey the installments, then the BMT PAS will impose sanctions on the member. If the analyzed member is really economically incapable, then the BMT PAS does not impose a fine or sanction on the member. The Penalty System for Sharia Financing Products at BMT PAS is in accordance with fatwa No. 17/DSN-MUI/IX/2000 concerning Sanctions for Able Customers Who Delay Payments. Because BMT PAS considers Fource majeur to be a disaster, BMT PAS will provide a solution to the member by being retrained if it cannot be fostered, then BMT PAS releases members from paying the installments and is considered to be a loss from BMT PAS. Likewise, the BMT PAS has applied fines to members who can afford it but delay payments. Sanctions in the form of fines are based on the principle of ta'zir, which aims to make customers more disciplined in carrying out their obligations. in allocating the BMT PAS fines, it also clarifies that the fines are used for social funds or community needs, both for compensation, disaster relief infrastructure and so on

scholarly journals MEDIA INTERAKTIF PENGENALAN BAHASA ISYARAT BISINDO

2020 ◽  
Vol 13 (1) ◽  
pp. 35-44
Author(s):  
Bayu Ramadhani Fajri ◽  
Agariadne Dwinggo Samala ◽  
Fadhli Ranuharja
Keyword(s):  
Sign Language ◽  
Group Discussion ◽  
Interactive Media ◽  
Smartphone Application ◽  
Deaf People ◽  
Community Needs ◽  
The People ◽  
Data Collection Technique ◽  
Level Of Selection ◽  
The Right

Sign language is the communication that used by the deaf people. Sign language is also a form of accessibility for deaf people to be able to socialize with people around them. Deaf socialization with normal people in the society is not optimal because most of the people does not yet know sign language. Based on these problems, this study aims to develop an interactive media introduction to BISINDO sign language based on augmented reality for the community in supporting a society that is more inclusive of the deaf. This study uses a Research and Development (R&D) approach. The sample in this study was deaf people who participated in the Gerkatin Padang community, and people from various professions in the city of Padang. The data collection technique was carried out using a questionnaire and a focused group discussion technique. Based on the results of the collection of 100 respondents' perceptions data from the public towards sign language obtained: 1) the level of getting to know the community towards sign language is still low at 57%, 2) the level of skills using sign language is still low at 83%, 3) the importance level of sign language according the community is 81%, 4) The level of community needs to learn Sign Language is obtained by 88%, and 5) The level of selection of the right media for learning Sign Language, 74% of respondents choose media in the form of a smartphone application. The validity of the interactive media prototype introduction BISINDO sign language developed in terms of substance that is the suitability of sign language in the application obtained a validator rating of 89.33%, then in terms of the media obtained a validator value of 89.67%. It can be concluded that the interactive media prototype in the form of a smartphone application that was developed very well in terms of substance and media so that it is very feasible or valid to be used in the introduction of BISINDO sign language.

scholarly journals PERAN WANITA SEBAGAI PENCARI NAFKAH KELUARGA DALAM PERSPEKTIF HUKUM ISLAM

2019 ◽  
Vol 8 (1) ◽  
pp. 86-109
Author(s):  
Luluk Shoviana ◽  
Zahrotun Navish Abdillah
Keyword(s):  
Islamic Law ◽  
Field Research ◽  
Qualitative Approach ◽  
Men And Women ◽  
Community Needs ◽  
Female Workers ◽  
Data Collection Instrument ◽  
Role Of Women ◽  
The Right

This study aims to determine the provisions of the role of women as female workers in the perspective of Islamic law, and the provisions of the role of women as female workers from the perspective of positive Indonesian law. The type of research used is field research using a qualitative approach. The data collection instrument use is the interview and observation studies. This study uses descriptive analytic. The results of this study indicate that The role of women as female workers in the perspective of Islamic law is basically permissible, due to seeking the living to fulfill the means of life is the right and obligation of both men and women as long as a wife does not neglect her obligations to her husband and children. The role of women as female workers  in the perspective of positive Indonesian law is also permissible, because a woman is able to carry out activities both inside and outside the employment relationship to produce goods or services to meet their own needs and community needs.

scholarly journals THE ROLE OF LOCAL GOVERNMENTS IN DEVELOPING NATURAL AND CULTURAL TOURISM IN SUKABUMI DISTRICT

2021 ◽  
Vol 4 (1) ◽  
pp. 36-47
Author(s):  
Gumilar Mulyana
Keyword(s):  
Local Governments ◽  
Field Research ◽  
Secondary Data ◽  
Primary Data ◽  
Tourist Attractions ◽  
Library Research ◽  
Organizational Differences ◽  
Qualitative Descriptive ◽  
Tourism Potential ◽  
Data Collection Technique

Tourism activities are human activities driven by curiosity and enjoying tourist attractions and tourist attractions without knowing administrative boundaries. Therefore, the concept of integrated regional development can overcome and assist organizational differences between districts into a unity of regional planning and development with tourism activities in Sukabumi Regency. In this research, the method used is a qualitative descriptive approach. Sources of data in this study come from primary data and secondary data. The data collection technique used is field research, such as observation, interviews, and library research. The analysis used by the pen is descriptive-qualitative. The research results on tourism's role in developing tourism potential in the Sukabumi Regency are dominant as a facilitator compared to other parts. This role as a facilitator can be seen mainly in the provision of object infrastructure, which is still largely borne by the Tourism Office. Facilities for distributing stimulant fund assistance for people who want to develop a tourism object, promote tourism objects, and facilities provided to third parties such as investors and tourism entrepreneurs to develop their tourism businesses in Sukabumi Regency.

scholarly journals FAKTOR HEREDITAS DALAM MEMPENGARUHI PERKEMBANGAN INTELLIGENSI ANAK USIA DINI

2020 ◽  
Vol 7 (2) ◽  
pp. 108-124
Author(s):  
Nur Amini ◽  
Naimah Naimah
Keyword(s):  
Structural Characteristics ◽  
Field Research ◽  
Individual Characteristics ◽  
The Other ◽  
Library Research ◽  
Two Factors ◽  
Qualitative Descriptive ◽  
Similar Materials ◽  
Data Collection Technique ◽  
Analyze Data

Heredity is defined as the totality of individual characteristics inherited from parents to children, or all potential, both physical and psychological, that an individual has since the conception (fertilization of the ovum by sperm) as inheritance from parents through genes. The genes a child receives from its parents at conception will affect all the characteristics and appearance of the child in the future. As for what parents pass down to their children is structural characteristics, not behavior obtained as a result of learning or experiences such as talents, hereditary traits, intelligence and also personality. This heredity factor has a greater influence on the development of a child's intelligence than the other two factors, namely environmental factors and general factors. Therefore, the researcher wants to examine more deeply the heredity factor (heredity) in influencing the development of early childhood intelligence. This research is a qualitative descriptive field research. Where the type of research used is the type of library research (library research), which is a study conducted in the library room to find and analyze data sourced from the library, whether in the form of books, magazines, newspapers, and so on. The data collection technique used by researchers is the documentation method, namely the method of collecting data or information by reading books, letters, announcements, meeting summaries, written statements, and other similar materials. Abstrak Hereditas diartikan sebagai totalitas karakteristik individu yang diwariskan orangtua kepada anak, atau segala potensi, baik fisik maupun psikis yang dimiliki individu sejak masa konsepsi (pembuahan ovum oleh sperma) sebagai pewarisan dari orangtua melalui gen-gen. Gen yang diterima anak dari orang tuanya pada saat pembuahan akan mempengaruhi semua karakteristik dan penampilan anak kelak. Adapun yang diturunkan orangtua kepada anaknya adalah sifat strukturnya bukan tingkah laku yang diperoleh sebagai hasil belajar atau pengalaman seperti bakat, sifat-sifat keturunan, intelligensi dan juga kepribadiannya. Faktor hereditas ini memberikan pengaruh lebih besar terhadap perkembangan intelligensi seorang anak dibanding dua faktor lainnya yaitu faktor lingkungan dan faktor umum. Maka dari itu peneliti ingin mengkaji lebih dalam faktor hereditas (keturunan) tersebut dalam mempengaruhi perkembangan intelligensi anak usia dini. Penelitian ini merupakan penelitian lapangan yang bersifat deskriptif kualitatif. Dimana jenis penelitian yang digunakan adalah jenis penelitian kepustakaan (library research), yaitu suatu penelitian yang dilakukan di ruang perpustakaan untuk mencari dan menganalisis data yang bersumber dari perpustakaan, baik berupa buku, majalah, koran, dan lain sebagainya. Teknik pengumpulan data yang digunakan peneliti adalah metode dokumentasi, yakni metode pengumpulan data atau informasi dengan cara membaca buku-buku, surat-surat, pengumuman, iktisar rapat, pernyataan tertulis, dan bahan-bahan sejenis lainnya. Kata Kunci : Faktor Hereditas, Perkembangan Intelligensi Anak Usia Dini

scholarly journals KOMUNIKASI JUAL BELI LISENSI PAYTREN DALAM TINJAUAN HUKUM EKONOMI ISLAM (STUDI KASUS DI KANTOR PAYTREN CABANG SURABAYA)

2019 ◽  
Vol 2 (2) ◽  
pp. 131-142
Author(s):  
Muhammad - Hamdi
Keyword(s):  
Field Research ◽  
Descriptive Study ◽  
Economic Law ◽  
Serial Number ◽  
Qualitative Descriptive ◽  
Research Findings ◽  
Benefit Principle ◽  
Islamic Economic ◽  
The Right ◽  
License Trading

Abstrak: Tujuan dari penelitian ini adalah untuk mendeskripsikan praktek jual beli lisensi paytren di Kantor Paytren Cabang Surabaya dan mendeskripsikan tinjauan Hukum Ekonomi Islam tentang praktek jual beli lisensi paytren di Kantor Paytren Cabang Surabaya. Jenis penelitian ini adalah penelitian lapangan (field research) dengan metode penelitian deskriptif kualitatif. Metode pengumpulan datanya yaitu observasi, interview dan dokumenter. Adapun keabsahan data menggunakan teknik trianggulasi. Hasil penelitian yang telah dilakukan: 1) Praktek jual beli lisensi paytren di Kantor Paytren Cabang Surabaya adalah mendownload aplikasi dan membukanya, meng-klik login dan daftar, membayar Rp 350.000,-, memberitahukan nomer ID supaya diberi nomor serial lisensi, lalu memasukkan nomer tersebut, registrasi, membaca ketentuan, dan konfirmasi data aktifasi aplikasi, maka aplikasi paytren bisa difungsikan, terafiliasi dengan beberapa program paytren dan berpeluang mendapatkan income dengan menjalankan bisnisnya. 2) Menurut Hukum Ekonomi Islam, praktek tersebut dikategorikan Bai‘ al-Manāfi‘ ‘alā al-Ta’bīd (jual beli manfaat secara permanen) yang hukumnya sah. Dikategorikan Bai‘ al-Manāfi‘ ‘alā al-Ta’bīd karena objek transaksi adalah manfaat dari lisensi, bukan mendapatkan suatu benda. Penjualnya adalah PT. Veritra Sentosa Internasional (Treni) yang diwakilkan kepada Kantor Paytren Cabang Surabaya dengan Wakālah bil ’Ujrah. Perihal ṣīghah, mitra berucap “ini aku bayar biaya pendaftarannya Rp 350.000,”. Lalu sponsor berucap “ini nomor serialnya, silahkan dimasukkan”. Pada akad Bai‘ al-Manāfi‘ ‘alā al-Ta’bīd, ucapan tersebut sudah mencukupi sebagai sīghah, sebab maksudnya “ini nomor serialnya, silahkan dimasukkan” adalah aku menjual hak kemanfaatan lisensi paytren. Kata Kunci : Jual Beli, Lisensi Paytren dan Hukum Ekonomi Islam ABSTRACT The aims of the study are to describe the factual practices of paytren license trading in Surabaya Paytren Headquarter Office and to describe the review of islamic economic law dealing with the factual practices of paytren license trading in Surabaya Paytren Headquarter Office. The study was conducted through field research design by applying qualitative descriptive study. The data were collected through observation, interview and documentation. Triangulation was used to check the validity of the data. The research findings are: 1) The factual practice of paytren license trading in Surabaya Paytren Headquarter Office was done by downloading the application and then opening it, clicking login and register, paying Rp 350.000,-, mentioning ID number to get the license serial number, then entering the number, doing registration, reading the terms and condition, and confirming the data activation through the application, then the application of paytren could be functioned, affiliated with several paytren program and gave an opportunity to earn income by running the bussiness. 2) Based on the islamic economic law, such practice was categorized into Bai‘ al-Manāfi‘ ‘alā al-Ta’bīd (permanent benefit of trading) which was sahih (valid). It was categorized such way because the object of the transaction was the benefit of the license, not getting goods. The seller was PT. Veritra Sentosa Internasional (Treni) which was represented by Surabaya Paytren Headquarter Office with Wakālah bil ’Ujrah. Dealing with the utterance (ṣīghah) , the partner said “I pay the registration fee Rp 350.000,”. Further, the sponsor told him “This is the serial number, please enter it”. On the agreement (akad) of Bai‘ al-Manāfi‘ ‘alā al-Ta’bīd, those utterance had been completed as sīghah, because “This is the serial number, please enter it” meant that I had sold the right of benefit principle of paytren license. Keywords:      trading, paytren license, islamic economic law

scholarly journals Study Living Qur'an Terhadap Tradisi Pembacaan Al-Quran di Kuburan Pagi dan Petang Selama Tujuh Hari

2021 ◽  
Vol 3 (2) ◽  
pp. 32
Author(s):  
Novia Permata Sari ◽  
Risman Bustamam
Keyword(s):  
Data Collection ◽  
Field Research ◽  
Research Data ◽  
The People ◽  
The Family ◽  
History Of ◽  
Qualitative Descriptive ◽  
Data Collection Technique

The habit of the people of Nagari Balimbing reading Yasin's letter in the morning and evening at the cemetery for seven days is a special attraction. The focus of the research is on the history of the emergence of the tradition of reading Yasin in the morning and evening at the cemetery for seven days, then the practice of reading Yasin in the morning and evening at the cemetery for seven days and the meaning of reading Yasin in the morning and evening at the cemetery for seven days. The type of research that the author uses is a type of field research or (field research) using qualitative descriptive methods. This research data collection technique was obtained from the results of observations, interviews and documentation of researchers with the results of the study it was known that this tradition had been going on from generation to generation which is still being carried out, which originated from the Tariqa Syatariyah brought by Sheikh Burhanuddin from Ulakan. The practice of this tradition is carried out in the morning and evening at the cemetery for seven days in a row by the family of the corpse, namely by reading alfatihah, watering talqin, reciting prayers for the torment of the grave, surah yasin, surah al-ikhlas, al-falaq and an-nas.

scholarly journals Pengembangan Model Mutasi dalam Upaya Peningkatan Kinerja

2019 ◽  
Vol 3 (1) ◽  
pp. 52
Author(s):  
Muhammad Nairil Anam ◽  
Windijarto Windijarto ◽  
Falih Suaedi
Keyword(s):  
Data Analysis ◽  
Employee Performance ◽  
Field Research ◽  
Improve Performance ◽  
Good Communication ◽  
Analysis Techniques ◽  
Theoretical Perspectives ◽  
Personal Approach ◽  
Qualitative Descriptive ◽  
The Right

Mutation is one of the efforts of human resource management to place the right person in the right position to improve employee performance. Meanwhile, mutation is still problematic and has not been organized effectively since the models used are not entirely in accordance with rules and theoretical perspectives. Accordingly, an evaluation of the models used currently is required to implement the development of models of mutation to improve employee performance. This research generally aims to illustrate what kind of models of mutation is used and to develop models of mutation to improve performance of the Coordinating Body of Agricultural, Fisheries, and Forestry Extensions in Bangka-Belitung Islands Province. This research uses rules and theoretical perspectives and qualitative descriptive method. The research location is the offices of Regional Employment Board and Coordinating Body of Agricultural, Fisheries, and Forestry Extensions in Bangka-Belitung Islands Province. Informants of this research are people who are involved in making and receiving decisions of the mutations. The data collection is conducted with a preliminary observation, followed by field research that includes interviews and documentation. Data analysis techniques used in this research are qualitative data analysis techniques. From the research, it can be concluded that the development of models of mutation needs to be implemented to improve performance since the models used in 2015 were still insufficient, especially in the process of intensive and personal approach, which caused inaccuracy of data due to lack of good communication.

Strategi Pemasaran Produk Tabungan Emas Dalam Upaya Menarik Minat Nasabah pada Pegadaian Syariah Cabang Bogor Baru

2021 ◽  
Vol 5 (2) ◽  
pp. 195-210
Author(s):  
Fikria Hasni ◽  
Ikhwan Hamdani ◽  
Suyudi Arif
Keyword(s):  
Marketing Strategy ◽  
Direct Marketing ◽  
Personal Selling ◽  
Field Research ◽  
Secondary Data ◽  
Marketing Strategies ◽  
Sales Promotion ◽  
Qualitative Descriptive ◽  
Branch Office ◽  
The Right

This study aims to explain the marketing strategy in marketing the gold savings products found at Pegadaian Syariah Bogor Baru and how the right strategy is to attract customers to use the Gold Savings product. This research is a field research using a qualitative descriptive approach with primary and secondary data sources. In collecting data, researchers used interviews, observation and documentation techniques. The resource persons of this study were three employees of the Syariah Pawnshop Bogor Baru Branch and two customers of the Gold Savings product. The results of this study indicate that the application of marketing strategies provides services and information that is quite good for customers of gold savings products. From the aspect of the marketing mix contained in the branch office, such as; advertising, personal selling, sales promotion, publicity and direct marketing. Thus, the right strategy is to attract more customers by developing digital technology, this media has been loved by all generations because it can be easily accessed and at any time so that the strategy through digital will be very effective to reach as a whole. Keywords: marketing strategy, sharia pawnshop, gold savings

scholarly journals IMPLEMENTASI FATWA-FATWA DSN-MUI PADA PEMBIAYAAN DANA TALANGAN HAJI (STUDI KASUS PADA PADA KSPPS BTM MULIA BABAT – LAMONGAN)

2020 ◽  
Vol 4 (1) ◽  
Author(s):  
Ahmad Arif Rahman Saidi ◽  
Warsidi Warsidi
Keyword(s):  
Data Collection ◽  
Financial Institution ◽  
Supervisory Board ◽  
Descriptive Research ◽  
Economic Law ◽  
Qualitative Descriptive ◽  
Data Source ◽  
Data Collection Technique ◽  
Correct Understanding ◽  
The Impact

ABSTRACT The use of religious guidances from DSN-MUI as a basis of delivering products in the Micro-Sharia Financial Institution (LKS)  is not accompanied by a complete and correct understanding of the implementation. It can be seen in among others, the fund financing of hajj bailout. There are many different kinds of contracts used by micro-sharia financial institution in the hajj bailout fund financing, such as the contract of qardh bil ujrah and ijarah multijasa, even there are those that uses murabahah contract in the hajj fund financing.The author's interest in examining the implementation of hajj bailout fund financing in KSPPS BTM Mulia is because the KSPPS BTM Mulia used the contract of qardh bil ujrah and then change it into ijarah multijasa at the beginning of the emergence of the product of hajj bailout fund financing. The author intends to find out about the implementation in KSPPS BTM Mulia, which contract is most in accordance with the Sharia economic law, and what are the impact of the changes for KSPPS BTM Mulia.This study is a qualitative-descriptive research which uses the data collection technique with observation, interview, and documentation. The data source of this study is: (1) the person who is involved in hajj fund financing in KSPPS BTM Mulia starting from the management, Sharia supervisory board, marketing, legal, and customers; and (2) contract documents, minutes of meetings, and other documents which related to and needed in this study.From this study, it is known that the implementation of hajj bailout fund financing in KSPPS BTM Mulia that uses the qardh bil ujrahcontract, the halal status  cannot be guaranteed, while the ijarah multijasa contract with little improvement will be more appropriate and in accordance with the Islamic Sharia principles. Keywords      :Hajj Bailout Fund Financing, Contract ofQardh ,Ijarah Multijasa, Kafalah

scholarly journals Role-Playing Method In Developing Islamic Student’s Entrepreneurship Mentality

2021 ◽  
Vol 10 (1) ◽  
pp. 32-47
Author(s):  
Nur Rizqi Febriandika ◽  
Sisna Gaida
Keyword(s):  
Field Research ◽  
Role Playing ◽  
Living Environment ◽  
Planning Stage ◽  
Implementation Evaluation ◽  
Qualitative Descriptive ◽  
Evaluation Stage ◽  
Data Collection Technique ◽  
Thematic Learning ◽  
Implementation Stage

The purpose of this study is to determine the application of the role-playing method as well as supporting and inhibiting factors in fostering the entrepreneurial mentality of students in the "Theme of My Living Area" The sub-theme of "My Living Environment" in 2013 curriculum Class IV at Madrasah Ibtidaiyah (MI) Muhammadiyah 2 Kudus Special Program. This research is a type of field research using a qualitative descriptive approach. Interviews, observation, and documentation are used as data collection technique. This study indicates that thematic learning at MI Muhammadiyah 2 Kudus has been running according to the stages in thematic learning, namely the planning stage, the implementation stage, and the evaluation stage. There are three stages in role-playing, namely: preparation, implementation, evaluation. Some student act as mango farmers, fruit juice sellers, bookstore owners, employees, barber services, buyers. The use of a lot of time inhibiting factor is a lot of time.

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