Berugak Jurnal Universitas Islam Negeri (UIN) Mataram
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The Efffect of Financial Ratio on Profitability with NOM and GWM as Moderating Factors of Banking Financial Ratios ( Study at NTB Syariah Bank)
No full textProfitability ratio is the main ratio in measuring the achievement of banking performance.Profitability ratio is influenced by several other ratios such as CAR, FDR, BOPO and NPF. Thisstudy examines and analyzes the effect of Capital Adequacy Ratio (CAR), Financing to DepositRatio (FDR), Operating Expenses to Operating Income (BOPO) and Non Performing Financing(NPF) on the profitability of PT Bank NTB Syariah with NOM (Net Operating Margin) andMinimum Reserve Requirement (GWM) as moderating. This research is a quantitative study thatwants to reveal the effect of financial ratios on profitability. The data used is the publication reportdata of PT Bank NTB Syariah for the period 2019 to 2021. The data analysis technique in thisstudy used Partial Least Square (PLS). The results showed that CAR, BOPO, NPF had nosignificant and negative effect on ROA as indicated by the P value of 0.212, 0.505 and 0.360respectively, while FDR had a significant and positive effect on ROA as indicated by a P value of0.000. For moderator variables, namely GWM and NOM, both have no significant effect inmoderating the FDR and BOPO variables, indicated by the P value of 0.988 and 0.589,respectively
STRUKTUR TATA KELOLA EKONOMI LOKAL DALAM SEKTOR KERAJINAN GERABAH : “Local Economic Governance Structure in Pottery Industry: A Case Study of Global Value Chain Analysis in West Nusa Tenggara”
No full textThe declining export value of pottery in West Nusa Tenggara Province became a trend since 2006-2007. There are atleast two basic reasons of this significant decreasing, first the lessening numbers of export caused by global economic crisis, second the lack of competitiveness of the sector. The article questions about the structure of governance of the industry. Focusing on the issue will bring explanation what caused the industry has a quite low competitiveness in global market. The research itself is a qualitative research with global value chain approach. The study shows that there are two types of governance structure in the industry. The buyer-driven type of governance is built between local producer and global buyer in international trade context, while a more equal structure established in local market between local producer dan local buyer, or called as producer-driven with arms-length character. Meanwhile, the lack of competitiveness is also caused by the upgrading capacity, which tends to be a more static upgrading. The lack of upgrading capacity happened due to rents drain, where the rents that once existed in the community are getting dim due to the role of the government in building synergy and rents is considered small
RASIONALITAS FORMULASI KEBIJAKAN PENATAAN DAERAH DAN ALOKASI KURSI PEMILIHAN UMUM ANGGOTA PARLEMEN
No full textArtikel ini bertujuan menjelaskan rasionalitas penyelenggara Pemilu dan pemangku kepentingan Pemilu dalam formulasi kebijakan penataan daerah pemilihan (Dapil) dan alokasi kursi untuk Pemilu anggota parlemen pada penyelenggaraan Pemilu 2024. Kajian difokuskan pada pendekatan tata kelola kebijakan, formulasi kebijakan dan pilihan kebijakan. Teori yang relevan menjelaskan fokus penelitian ini adalah teori collaborative governance dan teori formulasi kebijakan publik. Penelitian ini merupakan riset aksi, dimana peneliti terlibat langsung dalam formulasi kebijakan penataan Dapil sejak dari KPU Kabupaten dan Kota hingga KPU Provinsi di NTB melalui diskusi publik. Data dikumpulkan melalui wawancara, dokumentasi, kajian Pustaka, dan diskusi kelompok terumpun. Analisis data menggunakan pendekatan induktif secara linier dan hierarkis dari bawah ke atas dimulai dengan mengolah data, membaca data, menyusun coding data, memaknai data, menyusun narasi, diakhiri interpretasi data. Temuan penelitian menunjukkan tata kelola kebijakan penataan Dapil dan alokasi kursi anggota Parlemen dalam Pemilu 2024 menggunakan pendekatan kolaborasi model penta-helix. Pendekatan tersebut melahirkan rumusan formulasi kebijakan penataan Dapil menjadi dua alternatif kebijakan yaitu kebijakan penataan Dapil model delapan Dapil dan kebijakan penataan Dapil model sepuluh Dapil. Pilihan kebijakan yang diambil oleh KPU RI sebagai pengambil kebijakan adalah alternatif kebijakan pertama dengan rasionalitas kebijakan penataan Dapil dan alokasi kursi berbasis pada tiga prinsip yakni: integralitas wilayah; kohesivitas; dan kesinambungan. Pada dasarnya pemangku kepentingan Pemilu sebagai aktor kolaborasi kebijakan mengharapkan KPU RI memilih alternatif kedua dengan rasionalitas kesetaraan nilai suara, ketaatan pada sistem pemilu proporsional daftar terbuka, proporsionalitas; dan berada dalam cakupan wilayah yang sama. Dengan demikian terjadi perbedaan rasionalitas penyelenggara dan pemangku kepentingan Pemilu dalam pilihan kebijakan penataan Dapil dan alokasi kursi anggota parlemen Pemilu 2024.  
INDONESIAN INHERITANCE SYSTEM BASED ON ISLAMIC LAW, CIVIL CODE, MATRILINEAL CUSTOMS, AND GENDER EQUALITY PERSPECTIVES
No full textIn this article, the author discussed the inheritance system in Indonesia. The inheritance distribution system in Indonesia is based on Islamic law, civil code, and customary law. On the other hand, gender equality activists have their perspectives regarding the justice of the distribution system based on the proportion received by men and women. Based on the discussion, it was known that there are similarities and differences among Indonesian inheritance distribution systems. Each of the systems regulates that the testator must die and the main heirs are blood-related to the decedent. In Islam law, men receive more than a woman with a ratio of 2:1 due to men’s responsibility to their family. Meanwhile, the proportion between men and women regulated by the Indonesian civil code is equal. In Minangkabau matrilineal customary law, as a system based on the mother\u27s lineage, the proportion of inheritance is distinguished between high inheritance and low inheritance. The high inheritance will be given to the woman and the low inheritance will be shared equally between men and women. However, some gender equality activists might see those proportions as a form of injustice. But, each of the systems has its perspective regarding justice
HADITH AND CONTEMPORARY RELIGIOUS MOVEMENTS: SEARCHING FOR HUFFAZ SCORING MOVES
No full textThe phenomenon of religious movements that occur in Indonesia is very diverse, both related to behavior directly, as well as readings such as blessings, dhikr, and others. This phenomenon is the result of the interpretation of the arguments that become beliefs, one of which is Hadith. This article discusses the phenomenology of contemporary religious movements based on online media with specifications on presenting huffadz al-Qur\u27an. The process in finding the data using a phenomenological approach is then displayed in descriptive. The purpose of this article is to describe the contemporary movement of scholars printing Huffaz, with a focus on Yayasan Tahfiz Online Indonesia and Rumah Tahfiz Darul Qur\u27an as well as its advantages and disadvantages. In the further process, the author will analyze the shifts that occur in the two systems. The results of the study are : Tahfiz Online is a program designed to help people who want to learn and memorize the Qur\u27an online. 2). The Impact or influence that occurs later on the basis of mass media is on the ease of access to students with a wide range, flexible time and place because students do not have to mukim, and can be run by working. Finally, the impact is a shifting orientation
IMPLEMENTASI AKAD MURABAHAH DAN PERMASALAHANNYA DALAM PERBANKAN SYARIAH
No full textMurabahah is a sale and purchase contract with additional profits in accordance with the agreement. This study aims to further analyze the application of murabaha contracts in Islamic banking, as well as answer how the murabaha concept actually is and then look at the implementation of murabaha financing in banks whether it is appropriate based on sharia principles or not. This study used a qualitative descriptive research method through a library study data collection technique. As for the discrepancies found in the application of murabahah financing in Islamic banking, namely regarding violations related to milkiyah requirements. The results of the study show that the implementation of murabahah contract financing does not meet the pillars and conditions of sale and purchase in accordance with sharia principles. If the bank wishes to represent the customer, the solution is that the item must change ownership, the object of the transaction must be fully controlled by the bank before making a transaction
PERLINDUNGAN KONSUMEN DAN PENERAPAN ASAS MASHLAHAH DALAM PRAKTEK JUAL BELI PAKAIAN BEKAS DI KOTA MATARAM
No full textThe rise of the practice of selling used clothing today as an alternative to fulfilling casual needs at a relatively low cost is quite attractive to various groups. On the other hand, the practice of selling used clothing often causes problems for consumers as a result of the absence of adequate information regarding the origin and quality of the goods sold, so that consumers get clothes that are basically unfit for use without prioritizing the principle of benefit (mashlahah). This research uses normative legal research methods, namely by examining existing legal norms in consumer protection laws and provisions of related legislation and their derivatives using a statutory approach, case approach, and conceptual approach. The results showed that the practice of selling used clothing was not carried out in accordance with the provisions of the applicable laws and regulations and tended to ignore consumer protection and could not guarantee the realization of benefits (mashlahah) in the sale and purchase practice
Transformasi Kurikulum Pendidikan Agama Islam Perkembangan Terkini dan Tantangan di Era Digital
Get PDFDigital transformation in Islamic religious education offers great opportunities to increase the efficiency, effectiveness and quality of Islamic education. Some of these opportunities include using technology in learning, data management, and curriculum development. In the current digital era, educational institutions are required to be resilient in going through the challenges and changes that arise in people\u27s lives to anticipate the negative impacts of the rapid progress of transformation. The development of technology and science that has occurred has resulted in some people taking advantage of opportunities and being able to make good use of them. For some people who are able to develop knowledge and give birth to new ideas and these ideas appear to answer the needs of society in various fields including in the world of education. This study uses the library research method or library research, which examines data sources with references to books or articles, previous research journals, and other scientific writings related to the theme of the transformation of Islamic religious education. The results of the study show that Islamic religious education is expected to be able to dig back capabilities in recognizing all the potential it has, then equip it with skills that are easy to understand so that it is able to interact with the digitalization era.
Keywords: Curriculum transformation, Islamic religious education
Transformasi digital dalam pendidikan agama Islam menawarkan peluang besar untuk meningkatkan efisiensi, efektivitas, dan kualitas pendidikan Islam. Beberapa peluang ini meliputi penggunaan teknologi dalam pembelajaran, manajemen data, dan pengembangan kurikulum. Pada era digital saat ini lembaga pendidikan dituntut tangguh dalam melewati tantangan dan perubahan yang muncul di dalam kehidupan masyarakat untuk mengantisipasi dampak negatif dari kemajuan transformasi yang begitu cepat. Perkembangan teknologi dan ilmu pengetahuan yang telah terjadi mengakibatkan sebagian orang mengambil kesempatan dan mampu memanfaatkannya dengan baik. Bagi sebagian orang yang mampu mengembangan ilmu pengetahuan dan melahirkan gagasan baru dan gagasan ini muncul untuk menjawab kebutuhan masyarakat dalam berbagai bidang termasuk juga dalam dunia pendidikan. Penelitian ini menggunakan metode library research atau studi kepustakaan yaitu mengkaji sumber data dengan rujukan buku-buku atau artikel, jurnal penelitian sebelumnya, dan tulisan ilmiah lainnya yang berkaitan dengan tema transformasi pendidikan agama islam. Hasil penelitian menunjukan bahwa Pendidikan agama islam diharapkan mampu menggali kembali kapabilitas dalam mengenali segala potensi yang dimiliki, lalu membekalinya dengan keterampilan yang mudah dipahami sehingga mampu berinteraksi dengan era digitalisasi.
Kata kunci: Transformasi kurikulum, pendidikan agama Isla
The Qur’an Literacy of Islamic Education Students at Faculty of Tarbiyah and Teacher Training UIN Mataram
Get PDFpenelitian ini mengkaji konsep literasi Al-Qur’an melalui Program Baca Tulis Al-Qur’an (BTQ) mahasiswa Pendidikan Agama Islam UIN Mataram. Pentingnya kedudukan Al-qur’an dalam setiap sisi kehidupan manusia, menjadikan mempelajari, memahami dan mengkajinya sebagai suatu keharusan. Penelitian ini menggunakan metode kualitatif, Proses pengumpulan data dalam penelitian ini dilakukan melalui field research, yaitu metode pengumpulan data melalui teknik-teknik observasi, wawancara, dan dokumentasi serta penelusuran referensi. Data yang sudah dikumpulkan kemudian diolah melalui tiga tahap yaitu, data reduction, data display, dan data verification.. Hasil penelitian ini menunjukan bahwa literasi Al-Qur’an melalui Program Baca Tulis Al-Qur’an (BTQ) mahasiswa Pendidikan Agama Islam UIN Mataram sangat baik, hal ini terlihat dari rangkaian program pembinaan yang dilaksanakan secara intensif dan diawasi langsung oleh pihak program studi.
 
Philosophical Values of The Bhumi Sakti Serving Ritual in Legoksari Temanggung Village
Get PDFRitual Kirab Sesaji Bhumi Sakti merupakan kearifan lokal sebagai bentuk persiapan memasuki musim kemarau yaitu dengan selametan sumber mata air dan mengawali musim tanam tembakau. Ritual ini masih terus dilaksanakan setiap tahunnya namun makna filosofis dari pelaksanaannya belum banyak orang mengetahui. Tujuan penelitian ini yaitu untuk mengetahui nilai-nilai filosofis dari pelaksanaan ritual Kirab Sesaji Bhumi Sakti di Desa Legoksari. Penelitian ini menggunakan pendekatan kualitatif dengan metode observasi dan wawancara. Observasi yang dilakukan dalam penelitian ini terbagi menjadi dua yaitu observasi pengamatan fisik dan observasi pengamatan sosial. Dalam proses pengambilan data dalam penelitian ini peneliti bertindak sebagai participan observation untuk mendapatkan data dan pengambilan informasi sedalam-dalamnya. Hasil penelitian ini menunjukan bahwa kearifan lokal ritual Kirab Sesaji Bhumi Sakti memiliki nilai-nilai filosofis diantaranya; nilai spiritual, nilai spiritual, nilai moral, nilai material, nilai sosial, nilai ekonomi, nilai hiburan, dan nilai estetika