MENABUNG SAMPAH UNTUK MASA DEPAN PADA BANK SAMPAH PAPRIKA GRAHA INDAH PAMULANG

Community Service entitled Saving Waste for the Future at the Graha Indah Pamulang Paprika Waste Bank aims to provide knowledge about the importance of saving, providing savings training, inviting and instilling awareness to the actors of the garbage bank in Graha Indah Pamulang that the benefits from saving this rubbish for the future. The target of this service is all members of the garbage bank registered at the Graha Indah Pamulang Paprika Waste Bank. The results of this PKM proved that the members of the garbage bank Bambu Apus Village can master how to save well and increase the determination and concern for waste around the neighborhood.Keywords: Waste Bank, Saving, Future.

Woman in The Vulnerability and Disaster Risk of Merapi Eruption in Indonesia

This study was aimed to depict the characteristics of women's vulnerability, as well as to study and analyze their efforts to reduce the disaster risk of Merapi eruption in the South Merapi Slope, Sleman Regency, Yogyakarta Special Territory. The data collection was conducted through interviews on the demographic characteristics of the women, with qualitative data consisting of the social and economic condition in the area under study, including the women’s demographic characteristics, vulnerability, and risk. The qualitative data were used to complement the quantitative data obtained in the first data collection stage. Thus, the research data analysis was based on the quantitative and qualitative data. The results showed that women were vulnerable in terms of their financial security, particularly due to their lack of bank saving, protection in the place of business, land, and residence. Their social vulnerability was shown by how most of the women and elderly people in the households of the area under study required protection when disaster occurred. The vulnerability in organizations was due to the lack of organizations to care for the women. Most women also experienced environmental vulnerability.

The effect of Sharia bank knowledge, promotion, and facilities on savings decisions at Sharia banks with savings interest as mediation variables

Purpose - The purpose of this study is to explain the effect of Sharia bank knowledge, promotion, and facility on saving decisions in Shariah bank both directly and through saving interest.Method - The population in this study is the students of Sharia banking department at Islamic Business and Economics Faculty of IAIN Purwokerto Batch 2016/2017 of 106 students. All populations in this study were used as the sample. The technique of data collection in this study used questionnaires. Techniques of data analysis used descriptive statistic analysis and path analysis. Result - The results showed that Sharia bank knowledge, promotion, and facility give a positive and significant effect on saving decisions in Sharia Bank. Saving interest can mediate Sharia bank knowledge, promotion, and facility on saving decisions in Sharia Bank.Implication - Suggestion from this study are expected that Sharia Bank can fix the facility and improve promotions so that the customer candidate can know what kind of product offered so that saving interest and saving decision in Sharia Bank can be improved.Originality - This study adds Islamic bank knowledge and saving interest variable as the intervening variable.

Physicochemical and manufacturing cost elements of complementary food formulations from broken fraction of rice cultivars, soybean and sorghum malt

The broken fractions of rice cultivars improved for yield, grain quality, amylose content and tolerance to common production constraints consisting of FARO 44, FARO 52, NERICA L-34, NERICA L-19 and LOCAL RICE. The rice cultivars, Sorghum malt and soybean were processed. Evaluation of the physicochemical properties of these new African rice cultivars together with their products yield and utilization (value addition) were the main objective of this study. The experimental design for these infant food formulations (5x2x2 factorial design) consisted of those 5 rice cultivars, sorghum malt (0, 5%) and soybeans flour (0, 30%). These formulations together with the raw materials were evaluated for their physicochemical properties. Manufacturing cost of formulations with ratios of rice to soybeans 70:30 with malt were selected and quantified. Results of particle size distributions showed significant (p < 0.05) difference. However, 98.38 and 94.90% of raw materials and blends respectively, successfully passed through 600 µm sieve aperture. Mesh 300 and 180 µm were found to retain the highest percentage particles. Functional properties of raw materials and blends were within the recommended range. More importantly, pH values of blends were comparable to infants’ natural milk drinks. Proximate composition of raw materials and blends contain 4.14 to 9.59% moisture, 0.37 to 5.12% ash, 8.25 to 45.35% protein, 0.41 to 20.00% fat and 26.54 to 82.59% carbohydrate. Blends fiber and energy ranged from 1.27 to 4.33 and 362.95 to 388.71 Kcal (1541.92 to 1643.04 KJ) respectively. Formulations with ratios of rice to soybeans 70:30 with malt and those of rice 100% alone with malt were observed suitable as follow-on formulae and for infant(s) with critical protein related ailments, respectively. Net profit generated is more significant than interest rate that could have been obtained from bank saving system

Trade versus riba in the Qurʾān with a critique of the role of bank-saving

Purpose This paper aims to explain the dynamics of the inner inter-variable functional relations of trade versus oppositely coterminous variables of interest rates as shadow rates of interest. Such an explanation of trade versus riba relations has not been covered in the literature on Islamic economics and finance. Furthermore, the consequences of understanding the trade vs riba rule in relation to the bank-saving function remains absent in the literature. This problem as an important one between trade-interest rate and bank-savings interrelationship is studied. An empirical explanation is given besides the analytical explanation. This paper therefore presents an original and substantive topic to study. Design/methodology/approach The avoidance of usury and financial interest have equivalent injunction in the Qur’an by the riba rule. To attain and implement the riba-avoidance rule, it is necessary to understand this rule in terms of its adverse relationship; and contrarily by the positively complementary interrelationship between trade, money, finance and the real economy under the impact of the riba rule. In explaining such inter-causal relationships, certain analytical matters stand out as key points. These are studied in the light of the Islamic methodological basis of the ontological law of participatory oneness as monotheistic unity of knowledge and its impact on the understanding of the trade versus riba and bank-savings rule. Findings First, bank-savings cause withdrawal of resource mobilization and thus rupture the positive complementarities between the purpose and objective of the Shari’ah (maqasid-as-shari’ah) variables. Second, to deeply understand the rule of establishing trade versus the practice of riba (financial interest) and the needed theory of complementary inter-variable relationships to enable the relationship of trade versus riba, it is fundamentally necessary to understand the Qur’anic epistemological premise of Tawhidi unity of knowledge as organic unity and its induction in the generality and details of the problems under study. Originality/value Such an explanation of trade versus riba relations with the instrument of bank-savings has not been covered in the literature on Islamic economics and finance. It is therefore an original and substantive issue to study.

FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MENABUNG PADA BANK SYARIAH (BANK RIAU SYARIAH CABANG PEKANBARU)

<p>The background of this research on Syariah banking is based on the opinion and supposition that the interest given by conventional banking is a usury. As can be seen on the national and regional development on Syariah Banking, it is shown that the public interest in Syariah Banking is very high. This research is conducted mainly in the city of Pekanbaru on Bank Riau Syariah Pekanbaru Branch. The purpose of this research is to find out the factors often influencing the public interest in saving their money on Bank Riau Syariah. There are primary and secondary used in this research. The primary data is directly acquired from the main resources through the use of questionnaire. The secondary data used in this research is gathered with the help from Bank Riau Syariah Pekanbaru Branch, and the organizational structure of said bank. The method used in analysing the data of the research is a descriptive method which is done by following the procedure of solving the problem being investigated and by describing the state of the object of the research at the time of the research, based on the fact and reality. Then, the data collected is organized and arranged in the form of tables to be later elaborated and analysed. The result of the research shows that the dominant factors in influencing the public interest in saving their money in Bank Riau Syariah Pekanbaru Branch is to avoid act of committing usury. The other factors are profit and the belief that saving in a Syariah Bank is one form of confirming the Islamic Syariah. Moreover, there are also other factors influencing the public interest in saving in a Syariah Bank, such as accessibility, security, and other non-related factors such as the good service provided by the bank in serving its customer.</p><p> </p><p>Key Words- Syariah Bank, Saving, Customer</p>

Legal Opportunities of Bank Interests: Reinventing Analysis of the Mashlahat Theory of Al-Syathibi

This study described the analysis of legal opportunities in a bank saving interest. In general, banks in Indonesia are very influential on the dynamics of the economic life of society. Existence evenly spread to remote. This has implications on the ease of access and services to the wider community. If the determination of the bank savings raised interest prohibition, can lead to economic turmoil in the form of a massive diversion of funds by customers that can systemically affect the stability of national economy. Considering the majority of government agencies (including ministries of religion) and private sectors to accommodate the livelihood of the general public, especially civil servants and private employees, which is increasingly dependent on the existence of a conventional bank. Mashlahat theory put forward by al-Syatibi can provide legal opportunities, both macro (general) and micro (personal). In this study, the author find that there are legal opportunities of bank savings interest in the analysis al-Syatibi's theory of Mashlahat