Rumah Jurnal IAIN Metro (Institut Agama Islam Negeri)
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Legalitas Literasi Financial Techology: Peer to Peer Lending Berdasarkan Perspektif Hukum Ekonomi Syari’ah
Get PDFObjectives of this study were to determine an implementation of Information technology-based borrowing and lending service and legality with application of interest in the term of Sharia Economic law perspectives. The method that using was qualitative methods. It by processed secondary data that consisted of theoretical study of P2P lending that analyzing based on Maqāṣid Asy-Syarĭ'ah theoretical framework. Based on the findings, an information technology-based borrowing and lending service in Indonesia had several weaknesses. They were absence of maximum loan interest rate determinations, dispute resolution provisions, sanctions to the platform that weren’t registeringby OJK, and socialization regarding service regulations that have not been maximized. According to Sharia Economic Law, this transaction is classified as debts (Al - Qarḍ). The process of Bonding and applying flowers in it is filled with elements of Maysĭr, Garār, and Ribā. So that could be asserted that a legality of P2P lending with an application of interested from Islamic law perspective was aram.Penelitian yang dilaksanakan berjutuan untuk dapat mengetahui proses pelaksanaan layanan pinjam dan meminjam uang yang mana berbasis teknologi informasi serta legalitasnya terhadap penerapan bunga yang mana ditinjau dari Pandangan hukum ekomoni islam. Adapun metode pada penelitian ialah menerapkan pendekatan kualitatif yakni dengan melakukan proses pengolahan pada data sekunder yang berisi berbagai kajian teoritis yang memuat tentanf P2P lending yang mana dianalisis berdasarkan pada kerangka teori menurut Maqāṣid Asy- Syarĭ’ah. Dari hasil yang diperoleh, bahwa layanan pinjam dan meminjam uang di Indonesia masih memiliki berbagai macam kelemahan, seperti belum adanya penetapan besaran maksimum bunga pinjaman, ketentuan penyelesaian sengketa, sanksi bagi Platform yang tidak terdaftar di OJK, dan sosialisasi mengenai regulasi layanan yang belum maksimal. Secara Hukum Ekonomi Syariah, transaksi ini tergolong pada utang-piutang (Al - Qarḍ). Proses Perikatan dan penerapan bunga-berbunga di dalamnya dipenuhi unsur Maysĭr, Garār, dan Ribā. Sehingga lebih banyak muḍarat dan tidak sesuai dengan Maqāṣid Asy- Syarĭ’ah. Sehingga disimpulkan , Legalitas Peer To Peer Lending dengan penerapan bunga-berbunga ditinjau dari Perspektif Hukum Ekonomi Islam adalah ḥarā
ANALISIS MANAJEMEN KOMUNIKASI ORGANISASI FATAYAT NAHDLATUL ULAMA (NU) RANTING BANGKES DALAM MENGELOLA USAHA JATRA
Get PDFOrganisational communication management is a process of managing the use of communication resources to improve quality and efficiency on the basis of the same meaning and it is conditioned by the use to achieve the objectives of the organisation as set out. Activities within this organization are the management of JATRA's direct health coordinators under the shadow of UN Fatayat Ranting Bangkes. So we need to do research to find out the Fatayat Nahdlatul Organization Communication Management Analysis Ranting Bangkes in Managing JATRA Enterprises. In this research, what's considered relevant is the theory of organization communication management, and the theory of organization communication. The method of this research is descriptive qualitative. The research found on the field shows that the organization's communications management at NU Fatayat Ranting Bangkes in managing JATRA business has gone well, which is supported by a direct communication between Fatayat's leaders and several field coordinators. Also supported by timely planning by each member how they manage JATRA. For the organization there's a responsible area of health, and the management of how the health sector manages this new business for every two weeks, the results are counted and divided into members of the health sector for sale. In addition, there are also inhibitors and supporters in the management of JATRA businesses such as: there are no enterprises that have no BPOM, time-out depends on temperature, each member does not easily request permission in management. Supporter: there is family-based teamwork, there is material availability, there is SIUP so that it can be based on the Cabinet level
IDENTITAS MASYARAKAT ISLAM NUSANTARA
Get PDFTulisan ini bertujuan untuk mengetahui dan mengenal identitas masyarakat Islam Nusantara, Islam Wasathiyah dan Islam Berkemajuan melalui pendekatan kualitatif deskriptif. Data yang digunakan adalah buku, artikel jurnal dan media massa untuk menganalisis konsep Islam Wasathiyah dan Islam Berkemajuan.
Indonesia sebagai negara dengan populasi beragam Islam terbesar di dunia terkenal dengan Islam yang mampu menyatu dengan keragaman ras, agama dan budaya. Salah satu yang mempengaruhi adalah keberadaan organisasi Islam terbesar di Indonesia NU dan Muhammadiyah yang selalu berusaha menjunjung Islam Wasathiyah dan Islam Berkemajuan. Kalangan Islam secara umum menyepakati bahwa Islam Wasathiyah dan Islam Berkemajuan mampu membebaskan Nusantara dari kecenderungan radikalisme dan konflik keagamaan. Hasil tulisan ini menggambarkan kesadaran identitas Islam Nusantara mampu memberikan arah damai Islam yang dapat menyatu dengan perbedaan. Rekomendasinya adalah agar Islam asathiyah dan Islam Berkemajuan memberikan arah kebhinekaan yang didukung oleh organisasi Islam NU dan Muhammadiyah
Pengalaman Komunikasi Dan Konsep Diri Pada Foodstagrammer Di Kota Bandar Lampung Dalam Perspektif Fenomenologi
Get PDFSocial media has developed very rapidly, there are many new phenomena that have emerged so that many people express themselves through online media applications. The emergence of the foodstagram phenomenon where someone who is called likes to take photos of food is then published on social media. This study aims to reveal the communication experience and self-concept of foodstagrammers in Bandar Lampung City which is seen through the context of physical, psychological, and social characteristics. The approach in this research is a qualitative approach with the type of phenomenological study. Subjects in this study were selected purposively. Data collection was obtained through in-depth interviews, observations or observations and literature studies. The results of this study found that the self-concept of the foodstagrammer is a positive self-concept because all informants feel comfortable and open with themselves and the activities they do as foodstagrammers. On the physical aspect, all informants have positive and negative self-concepts. On the positive self-concept is where they show the advantages possessed by each of them. In the psychological aspect, all informants have a positive self-concept including thoughts, feelings, and attitudes they have. Then, in the social aspect, the self-concept obtained is positive because their environment and social fully support their activities
FAKTOR–FAKTOR YANG MEMPENGARUHI PEMBIAYAAN MUDHARABAH DI BANK MUAMALAT INDONESIA
Get PDFRaising funds from third parties of Islamic banks is an indicator of the number of Islamic banks disbursing financing, if more Islamic banks channel financing, the more profit margin returns. This study aims to analyze the factors that influence mudharabah financing at Bank Muamalat Indonesia in 2015-2020. Mudharabah financing will be viewed from Third Party Funds, Return on Assets, Capital Adequacy Ratio, Non Performing Financing and Total Assets. Bank Muamalat Indonesia financial report data for 6 years from 2015-2020 on a quarterly basis so that there are 24 samples. The data were analyzed using multiple linear regression. Partially, the Third Party Fund variable has a negative and significant influence on mudharabah financing. The ROA, NPF and Total Assets variables have a positive influence in distributing mudharabah financing, while the CAR variable has no effect on the distribution of mudharabah financing. However, simultaneously the variables of TPF, ROA, CAR, NPF, and Total Assets affect the distribution of mudhaarabah financing
Metode Sorogan Kitab untuk Pemahaman Nahwu ( Imrity) Pondok Pesantren Assunniyah Kencong Jember
Get PDFThe sorogan method is one of the traditional methods used by Islamic boarding schools to explore the study of Polar Turats or commonly referred to as the Yellow Book. This sorogan method is very effective, because in its application the students face one by one to the ustadz to deposit readings and understanding the material being studied. Immediately, the ustadz will provide corrections and directions if there are errors. Therefore, this method is considered effective in increasing the understanding of nahwu imrity. The yellow book is a book that is written in Arabic and has no character. Therefore, in reading it alone there is tremendous difficulty, especially in understanding it. So far, the study of the yellow book has been preserved by Islamic boarding schools, especially Islamic boarding schools that still use the Salaf education system. To be able to read the yellow book, the santri in the Islamic boarding school are taught the science of Nahwu and Shorof. Both of these sciences are tools that serve to help us in reading and understanding the yellow book. So the main requirement for us to be able to read the yellow book is to first learn the science of Nahwu and Shorof, because these two sciences are the main keys of Arabic which is none other than the language used by the yellow book.
Metode sorogan merupakan salah satu metode tradisional yang digunakan pondok pesantren untuk mendalami kajian kutubut turats atau yang biasa disebut dengan kitab kuning. Metode sorogan ini terbilang sangat efektif, karena dalam penerapannya para santri menghadap satu persatu kepada ustadz untuk menyetorkan bacaan dan pemahaman materi yang sedang dikaji. Seketika itu ustadz akan memberikan pembenahan dan pengarahan apabila terdapat kesalahan. Oleh sebab itulah metode ini dinilai efektif dalam meningkatkan pemahaman nahwu imrity. Kitab kuning merupakan buku yang bertuliskan bahasa arab dan tidak berharokat. Oleh sebab itu dalam membacanya saja terdapat kesulitan yang luar biasa, terlebih lagi dalam memahaminya. Selama ini kajian kitab kuning dilestarikan oleh pondok pesantren, terutama pondok pesantren yang masih menggunakan sistem pendidikan salaf. Untuk bisa membaca kitab kuning para santri didalam pondok pesantren diajari ilmu Nahwu dan Shorof. Kedua ilmu tersebut merupakan ilmu alat yang berfungsi untuk membantu kita dalam membaca dan memahami kitab kuning. Jadi syarat utama agar kita bisa membaca kitab kuning adalah dengan mempelajari terlebih dahulu ilmu Nahwu dan Shorof, karena kedua ilmu tersebut merupakan kunci utama bahasa Arab yang tidak lain merupakan bahasa yang digunakan oleh kitab kuning
PERAN KOMUNIKASI DALAM PROSES BIMBINGAN DAN KONSELING
Get PDFThis paper is to find out the process of Guidance and Counseling which is a process of scientific and professional psychological and humanitarian assistance provided by the counselor (counselor) to the guided (client), so that they can develop optimally, namely being able to understand themselves, direct themselves, and actualize themselves. , according to the stage of development, characteristics, potential possessed and the background of life and the environment so that happiness is achieved in life. In the implementation of guidance and counseling, good and polite communication techniques and skills are needed so that they can open their hearts, thoughts and feelings voluntarily and sincerely following the flow of conversation so that in the end the client really feels guided by the counselor himself. The method used in this research is a literature stud
PENGARUH ANTRIAN HAJI TERHADAP MINAT MASYARAKAT MELAKSANAKAN IBADAH HAJI DI KOTA METRO
Get PDFThis study is a library research method used in this research is descriptive analysis, this type of research is qualitative with the use of samples. The reason for the waiting list in the juridical aspect is that there is no solid juridical basis; philosophical and sociological aspects. The absence of legal protection arrangements for prospective Hajj pilgrims who are on the waiting list shows the norm of vacancy. The solution in the juridical aspect of the formulation is that there should be no additional principles for organizing Hajj, philosophical aspects, good Hajj implementation and prospective religious awareness of Hajj pilgrims must be straightened out, and sociological aspects can be done by: adding Indonesian Hajj quotas, that there is no misuse of fatwas on Hajj bailout, asked to perform Hajj only for those who want to repeat the pilgrimage, Muslims are able to be directed to alms, straighten Hajj intentions, increase the example of scholars and leaders, and separate the organizers of Hajj between regulators, operators, and evaluators
QARD WAL IJARAH: A STUDY ON HAJJ FINANCING IN INDONESIA
Get PDFHajj financing product held in Indonesia due to the quota of hajj limited and the cost of going hajj is more expensive than before. But, there are some sharia issues which pertain to the implementation of the qard wal ijarah contract in the reality which is different with what the sharia committee decides. The purpose of this study is to criticize the implementation of the contract in reality and describe its implications both positive and negative. This research uses qualitative research method by using documentation such as hajj report, books, and articles. The results of this study describes that Hajj financing on the one hand give the positive impact (maslahah), while on the other hand has the negative impact (mafsadah). This research contributes to the government and the sharia committees in order to regulate back Hajj management system and also its contract since there are several issues regard the implementation of the contract of hajj financing which is indicated non sharia compliant
Blended Learning vs Hybrid Learning: Perspektif Guru tentang Pembelajaran di Sekolah Dasar Pasca-COVID-19
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Selain perkembangan ilmu pengetahuan dan teknologi, pandemi COVID-19 memiliki pengaruh yang signifikan terhadap pendidikan. Proses pembelajaran secara cepat berubah dari pembelajaran tatap muka menjadi pembelajaran jarak jauh online sehingga guru dan siswa, siap atau tidak harus menggunakan perangkat teknologi dalam pembelajaran. Meskipun terlalu dini untuk menilai dampak jangka panjang COVID-19 dalam pendidikan, saat ini Pandemi sudah menunjukkan titik akhir. Para peneliti sudah mulai melihat dampak pandemi terhadap pendidikan di masa depan. Metode pembelajaran yang memungkin muncul untuk diprediksi dapat digunakan untuk pendidikan di masa depan, di antaranya adalah Online Learning, Blended Learning dan Hybrid Learning. Apakah metode tersebut siap digunakan oleh guru dan siswa? Apakah metode pembelajaran bisa saja kembali pada masa sebelum Pandemi? Berdasarkan hal itu, penelitian ini bertujuan untuk mengetahui pendapat guru mengenai pembelajaran pasca pandemi di tingkat sekolah dasar. Penelitian ini merupakan penelitian deskriptif dengan menggunakan metode survei dengan menggunakan instrumen berupa angket. Jumlah responden yang mengisi angket adalah 83 orang responden. Responden merupakan guru Sekolah Dasar di Sumatera Barat. Data angket dianalisis dengan mendeskripsikan temuan-temuan yang diperoleh yang dideskripsikan melalui statistik deskriptif. Hasil penelitian menunjukkan bahwa saat ini di tingkat sekolah dasar pembelajaran dilakukan secara tatap muka (67,5%). Berdasarkan pendapat guru, pandemi COVID-19 lebih cenderung menimbulkan efek negatif dibandingkan efek positif dan mayoritas guru berhadap pembelajaran setelah pandemi kembali dengan metode lama yaitu pembelajaran tatap muka tetapi masih memanfaatkan teknologi agar pembelajaran lebih menarik.
Kata kunci: Blended Learning, Hybrid Learning, Pembelajaran di Sekolah Dasa