scholarly journals Peranan Koperasi Jasa Keuangan Syariah (KJKS) Amanah Mandiri Dalam Meningkatkan Minat Nasabah Terhadap Simpanan Wadi’ah Di Sekarputih Bagor Nganjuk

2020 ◽  
Vol 7 (2) ◽  
pp. 121-140
Author(s):  
Juni Iswanto ◽  
Adi Marsono ◽  
Agus Thohawi
Keyword(s):  
Qualitative Research ◽  
Financial Institutions ◽  
Research Method ◽  
Financial Institution ◽  
Natural Object ◽  
The Public

Research on the aim of kanggo nyinaoni kanthi using the Amanah Mandiri kanggo sharia service cooperative (KJKS) adds a sense of joy to wadi savings marang. This research uses qualitative research. The research method of the Minangka research method is the research method of sing ana postpositivism, using the kanggo nyalonake babagan natural object, (minangka panemu experiment) where the researcher of the minangka acil is the result of an operational karo. Sharia financial institutions are present in the development of conventional financial institution practices and practices in the Japanese community. Sing diwenehake products by sharia banks may be conventional sing products polished kanthi nerangake contracts with sharia karo relationships. So that the iki thing is actually a negative thing for the public, the yen says sharia, maybe lipstick is just a sharia financial institution.

scholarly journals Pengungkapan Pendapatan Non Halal pada Laporan Keuangan Bank Umum Syariah

2021 ◽  
Vol 4 (1) ◽  
pp. 67
Author(s):  
Ria Anisatus Sholihah
Keyword(s):  
Financial Institutions ◽  
Commercial Banks ◽  
Research Method ◽  
Financial Institution ◽  
Financial Statements ◽  
Islamic Banks ◽  
Financial Reports ◽  
The Public ◽  
Descriptive Approach ◽  
Operational Activities

<p class="bdabstract">Islamic Bank as a type of Islamic financial institution has the authority to collect and distribute funds to the public. In carrying out its operational activities, Islamic Banks have transactions that can lead to non-halal income because Islamic Banks also make transactions with Conventional Financial Institutions. PSAK 101 has regulated the disclosure of no n-halal income as part of the Report on the Sources and Use of Virtue Fund. The purpose of this study is to determine the description and disclosure of non-halal income in the financial statements of Islamic Commercial Banks. This study uses a qualitative research method with a descriptive approach. The subjects of this study were 14 Islamic Commercial Banks operating nationally and publishing complete financial reports in 2019 on the official website of Islamic Commercial Banks. The results showed that non-halal income from 14 Islamic Commercial Banks have been disclosed in accordance with PSAK 101, namely the Report on the Sources and Use of Virtue Funds. However, not all banks disclose in detail the reasons for the occurrence and use of non-halal income in the Notes to Financial Statements.</p>

scholarly journals PUBLIC PERCEPTION OF IMMIGRATION CONTENT ON SOCIAL MEDIA INSTAGRAM AT THE TPI EAST JAKARTA CLASS I IMMIGRATION OFFICE

2019 ◽  
Vol 1 (2) ◽  
pp. 81-92
Author(s):  
Muhammad Aditya Majdi
Keyword(s):  
Qualitative Research ◽  
Social Media ◽  
Research Method ◽  
Public Perception ◽  
Public Perceptions ◽  
Class I ◽  
Learning Material ◽  
Quality Of Information ◽  
The Public

Public perception of immigration content at the TPI East Jakarta Class I Immigration Office is very important in determining the quality of information and understanding of immigration provided to the public by focusing on social media Instagram. With some literacy regarding public perceptions it can produce a public view of immigration content that has been disseminated through social media Instagram TPI Class I Immigration Office, East Jakarta. This can be used as study and learning material in seeing some of the shortcomings that must be addressed by the TPI East Jakarta Class I Immigration Office regarding public perceptions of immigration content. With the descriptive qualitative research method, it explains that there are still gaps or shortcomings of immigration content disseminated through social media Instagram TPI Class I Immigration Office, East Jakarta. So it is very necessary to make several further research studies related to public perceptions of immigration content so as to harmonize understanding between the information provider and the recipient of the information.  

scholarly journals Studi Kasus Penanganan Pembiayaan Bermasalah di Baitul Maal wa Tamwil (BMT) Hubbul Wathon pada Masa Pandemi Covid-19

2021 ◽  
Vol 7 (1) ◽  
pp. 333
Author(s):  
Winda Hidayanti ◽  
Hesty Juan Kirana ◽  
Anisya May Yustitia ◽  
Harnum Widyaningrum ◽  
Tulasmi Tulasmi ◽  
...  
Keyword(s):  
Economic Crisis ◽  
Financial Institutions ◽  
Research Method ◽  
Financial Institution ◽  
Qualitative Approach ◽  
Interview Techniques ◽  
Made In ◽  
Descriptive Qualitative

The research is a Case Study of Troubled Financing Handling at BMT Hubbul Wathon in the Covid-19 Pandemic. The research method uses a descriptive qualitative approach. In collecting data, researchers used interview techniques with BMT about policies to deal with the economic crisis during the Covid-19 Pandemic. BMT Hubbul Wathon Sumowono is one of the non-bank syari'ah financial institutions that issues a lot of financing products, such as Mudharabah, Musyarakah, Murabahah, and Ijarah financing. In providing financing to customers, an agreement is made in the BMT institution, in which there are several provisions that must be agreed upon by both parties. During the Covid-19 Pandemic, BMT Hubbul Wathon experienced a decrease in both savings, financing and installments. In the Covid-19 Pandemic as well, problematic financing at BMT Hubbul Wathon Sumowono increased by 5% when compared to the financing provided before the Covid-19 Pandemic. Therefore, this non-bank syari'ah financial institution issued several measures or policies including maintaining liquidity, restrictions in providing financing, and also by adding new customer members.

scholarly journals Keterkaitan Kerahasiaan Bank dan Pajak: Antara Kepentingan Negara dan Pribadi

2019 ◽  
Vol 16 (2) ◽  
pp. 212
Author(s):  
Akhmad Yasin
Keyword(s):  
Qualitative Research ◽  
Financial Institutions ◽  
Financial Services ◽  
Research Method ◽  
Financial Information ◽  
Constitutional Court ◽  
Legal Research ◽  
Qualitative Research Method ◽  
Bank Secrecy ◽  
Tax Payments

Bank sebagai lembaga keuangan, eksistensinya sangat tergantung dari kepercayaan masyarakat yang menjadi nasabahnya. Masyarakat telah memercayai bank sebagai institusi yang menyimpan dana nasabah, mengelola dan menyalurkan kembali kepada masyarakat dalam bentuk pinjaman atau kredit. Oleh karena itu, untuk menjaga kepercayaan nasabah tersebut, bank harus mematuhi ketentuan mengenai rahasia bank. Permasalahan dalam penelitian ini adalah mengetahui dalam kondisi bagaimana rahasia bank dapat diakses, pihak-pihak mana yang wajib menjaga kerahasiaan bank, adakah keterkaitan kerahasiaan bank dengan pajak, dan perlukah kerahasiaan bank yang terkait pajak dihilangkan. Penelitian ini menggunakan metode penelitian deskriptif kualitatif. Hasil penelitian mengungkapkan bahwa terdapat beberapa kondisi dimana rahasia bank boleh dibuka, tetapi tidak semua informasi dan data keuangan nasabah boleh dibuka di hadapan publik kecuali setelah adanya persetujuan dari Otoritas Pajak dan setelah mendapat laporan dari lembaga jasa keuangan di bawah pengawasan Otoritas Jasa Keuangan. Pembukaan rahasia bank diperbolehkan apabila berhubungan dengan kepentingan negara, seperti untuk kepentingan peningkatan kepatuhan masyarakat terhadap pembayaran pajak dan peningkatan penerimaan negara di sektor pajak.Banks as financial institutions, their existence is very dependent on the people’s trust who become their customers. The community has trusted banks as institutions that store customer funds, manage and channel back to the community in the form of loans or credits. Therefore, to maintain the customer's trust, the bank must obey bank secrets provisions. This research uses descriptive qualitative research method in the form of normative legal research and laws and regulations studies related to bank secrecy, derived from literature such as constitutional court decision, books, journals, articles, magazines, and websites. The results reveal that there are several conditions under which bank secrets may be opened, but not all financial information and data of the client may be disclosed in public unless after approval by the Tax Authority after receiving a report from a financial services institution under the supervision of the Financial Services Authority. The unveiling of bank secrecy is permitted when it comes to the interests of the state, such as for the purpose of increasing public compliance of tax payments and increasing state revenues in the tax sector. 

scholarly journals PENYELESAIAN UTANG IMPOR, JU’ALAH DAN SERTIFIKAT BANK INDONESIA SYARIAH (SBIS) PERSPEKTIF FATWA DSN-MUI

2018 ◽  
Vol 2 (2) ◽  
pp. 217-225
Author(s):  
Khozainul Ulum
Keyword(s):  
Financial Institutions ◽  
Commercial Banks ◽  
Financial Institution ◽  
Letter Of Credit ◽  
The Public ◽  
Islamic Financial Institutions ◽  
Monetary Control ◽  
Debt Repayment ◽  
Level Of Risk

Sharia financial Institution is one of the economic supporters of Indonesia. It is evidenced by the number of Islamic financial institutions that have sprung up this year, both sharia bank and non-bank sharia financial institution. It accommodates the aspiration and need of the society. The public is given the widest opportunity to establish a bank based on sharia principles, including convert from commercial banks whose business activities are based on conventional patterns into sharia patterns. The more sharia financial institutions that emerge, the more products offered by Islamic financial institutions to customers with the level of risk that can be overcome. The writing aims to answer the formulation of problem of settlement of import debts, contract of ju’a>lah and Sharia Certificate of Bank Indonesia (SBIS) in perspective of DSN-MUI fatwa. The result of research shows that in the DSN-MUI fatwa, it is explained that the settlement of imported debt or we know as letter of credit (L/C) may use the kafa>lah contract by taking a fee. It is also explained that one of the forms of kafa>lah contract is kafa>lah bi al-ma>l which is the application of kafa>lah contract which guarantees the payment of goods or debt repayment. This guarantee may be provided by the sharia bank to its customers in return for a fee. For the settlement of import debt there are several contracts that can be used, namely the contract of h}iwa>lah bi al-ujrah, waka>lah bi al-ujrah, and kafa>lah bi al-ujrah The Sharia Certificate of Bank Indonesia which used to be wadi>’ah with Wadi>’ah Certificate of Bank Indonesia which is now changed with Sharia Certificate of Bank Indonesia uses ju’a>lah contract. In this contract, Bank Indonesia pays the repayment upon maturity of SBIS with the relevant sharia banking record having performed and achieving the objectives expected by Bank Indonesia. If the sharia banking concerned is not able to achieve the desired objectives or stipulated by Bank Indonesia in terms of monetary control based on sharia principles, the relevant sharia banking will not receive any compensation from Bank Indonesia.

scholarly journals Populisme sebagai Bentuk Politik Pertahanan Pemimpin Lokal

2019 ◽  
Vol 1 (1) ◽  
pp. 21
Author(s):  
Mochtar Haboddin
Keyword(s):  
Qualitative Research ◽  
Leadership Style ◽  
Research Method ◽  
Political Support ◽  
Qualitative Research Method ◽  
The Public ◽  
Local Leaders

<div><p class="ABSTRAKen">The purpose of this article was to see how local leaders use populist policies to gain political support and maintain their power. This populist policy could be seen from the workings of several local leaders such as Jokowi while leading Jakarta and Solo, Risma in Surabaya, Ridwan Kamil in Bandung and others. To see the extent to which local leaders apply populist policy, this article used a literature-based qualitative research method and used the theory of populist leadership style as an analysis knife. Described from this article that local leaders would use populist policies in an effort to maintain power. In maintaining this power, a populist policy was needed as a strategic way to build the legitimacy of its power in the eyes of the public and politicians in parliament.</p></div>

Application of Butler’s (1980) Tourist Area Life Cycle to Saly (Senegal)

2018 ◽  
Vol 6 (1) ◽  
pp. 47-56 ◽  
Author(s):  
Mouhamadou Bamba LY
Keyword(s):  
Qualitative Research ◽  
Developing Countries ◽  
Life Cycle ◽  
West Africa ◽  
Research Method ◽  
Public Authorities ◽  
The Public ◽  
Tourist Destinations ◽  
The World ◽  
A Site

Richard W. Butler publishes in 1980 a model of evolution of tourist destinations known as TALC -Tourism Area Life Cycle- which stipulates that a site exploited for tourism and leisure knows 6 phases in its evolution: exploration, involvement, development, consolidation, stagnation, decline or rejuvenation. Several experiments of the model will be carried out around the world, however the tourist destinations located in the developing countries constitute a residual category of these applications. This article proposes an exploration of the TALC at the first station developed by the public authorities in West Africa, Saly located on the small coast in Senegal. For this purpose, we used a qualitative research method based on semi-directive interviews with actors at the level of the student site completed by official statistics. Our results show that Saly is in a so-called stagnation phase and that it is important to re-qualify the typology of tourist space in this city, which is experiencing a significant change in relation to its location.

scholarly journals Penguatan Gender dalam Pengambilan Keputusan Birokrasi di Kabupaten Bone Bolango

2018 ◽  
Vol 1 (1) ◽  
pp. 24
Author(s):  
Robby Hunawa
Keyword(s):  
Decision Making ◽  
Qualitative Research ◽  
Data Collection ◽  
Research Method ◽  
Decision Making Process ◽  
The Public ◽  
Female Figures ◽  
Reinforcement Model ◽  
The Impact

The long-term goal of this research is the birth of the process of drawing women's involvement in the bureaucratic decision-making process, and the gender reinforcement model in bureaucratic decision making in Bone Bolango District. The target of the research will be done by stages: 1) identify the problem of constraints faced; and 2) to formulate a model of gender reinforcement in bureaucratic decision making. The research method used is qualitative research with data collection techniques through: interview, documentation, and FGD. Further data collected will be analyzed data triangulation. The result of the research is the birth of a model of gender reinforcement in decision making bureaucracy. The impact of the study will provide answers on women's partisifasi in decision making. During this time the existence of women is very much ruled out. The presence of female figures in the public dimension brings new trends in the context of government. Women want to be treated proportionally. This tendency has implications for the inclusion of women to compete with men to become leaders.

scholarly journals Penyusunan dan Penyajian Laporan Keuangan di Lembaga Keuangan Syariah

2021 ◽  
Vol 1 (2) ◽  
pp. 149
Author(s):  
Himyar Pasrizal ◽  
Fajrur Rahmi
Keyword(s):  
Qualitative Research ◽  
Research Method ◽  
Financial Institution ◽  
Financial Statement ◽  
Financial Report ◽  
Descriptive Qualitative

The purpose of this study is to provide knowledge on the preparation and position of each item contained in the transaction report on sources and uses of qardhul hasan fund and financial report on sources and zakat fund. The research method in this article is descriptive qualitative research by analyzing the two types of financial statement in islamic financial institution. The result in this study are the source and us of qardhul hasan fund in islamic financial institution sourced from infaq fund, alms, and result from the management of waqf fund and non halal income fund. Meanwile in the financial statement, the sources and uses of zakat fund come from zakat fund obtained from internal parties of islamic financial institution and external parties, namely people who are not customer of islamic financial instutions.

scholarly journals Menilik Urgensi Penerapan Pembiayaan Akad Salam pada Bidang Pertanian di Lembaga Keuangan Syariah di Indonesia

2018 ◽  
Vol 8 (2) ◽  
pp. 88
Author(s):  
Widiana Widiana ◽  
Arna Asna Annisa
Keyword(s):  
Qualitative Research ◽  
Financial Institutions ◽  
Research Finding ◽  
Agricultural Development ◽  
Positive Impact ◽  
Financial Institution ◽  
Agricultural Product ◽  
Islamic Banking ◽  
Financing System ◽  
Islamic Financial Institutions

The financing of salam covenant is one of sharia banking products that can be used in the field of agriculture, but this has not been used in sharia financial institutions in Indonesia. Covenant of salam has strategic potential for agricultural development. This paper aims to illustrate the potential of using salam covenant in financing which is conducted by customer and how the challenges of implementation of salam  covenant in Islamic financial institutions. This is a descriptive qualitative research. In Indonesia, both Islamic banking and Baitul Maal Wattamwil have not applied this contract, related to some risks from salam financing. Sharia financial institutions needs a strategy in order to feel the benefits of providing salam. This article describes the practice of financing system of profitable covenant agreement for the sharia financial institution and the community. The research finding showed that by optimizing salam covenant financing, it can give positive impact to farmers that is in capital aspect to develop agricultural product. Pembiayaan akad salam merupakan salah satu produk perbankan syariah yang dapat digunakan dalam bidang pertanian, namun hal ini belum digunakan dalamLembaga Keuangan Syariah (LKS) di Indonesia. Akad salam memiliki potensistrategis terhadap pengembangan bidang pertanian. Penelitian ini bertujuan untuk menggambarkan potensi penggunaan akad salam dalam pembiayaan yang dilakukan oleh nasabah dan bagaimana tantangan atas penerapan pembiayaan akad salam di lembaga keuangan syariah. Tulisan ini berpijak pada penelitian kualitatif dengan metode deskriptif analisis dari berbagai literatur. Di Indonesia, baik perbankan syariah maupun Baitul Maal Wattamwil (BMT) belum menerapkan akad ini, terkait beberapa risiko dari pembiayaan salam. Lembaga keuangan syariah membutuhkan strategi agar dapat merasakan keuntungan dari penyediaan produk salam. Dalam tulisan ini dijelaskan praktik sistem pembiayaan akad salam yang menguntungkan bagi lembaga keuangan syariah dan masyarakat. Hasil yang diperoleh menunjukkan bahwa dengan optimalisasi pembiayaan akad salam dapat memberikan dampak positif terhadap para petani yaitu pada aspek permodalan untuk mengembangkan produk pertanian 

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