22 research outputs found
IMPLEMENTASI AKAD MUSYARAKAH PADA PRODUK PEMBIAYAAN DI KSPPS BMT NU SEJAHTERA PRESPEKTIF HUKUM EKONOMI SYARIAH (Studi di KSPPS BMT NU SEJAHTERA CABANG MAJALENGKA)
Full text linkROSIDA AZIZAH. NIM: 1908202022, “IMPLEMENTASI AKAD
MUSYARAKAH PADA PRODUK PEMBIAYAAN DI KSPPS BMT NU
SEJAHTERA PRESPEKTIF HUKUM EKONOMI SYARIAH (Studi di
KSPPS BMT NU SEJAHTERA CABANG MAJALENGKA)”
Produk pembiayaan merupakan salah satu produk utama lembaga
keuangan syariah. Pembiayaan dapat dikategorisasikan menjadi pembiayaan
dengan prinsip jual beli dan pembiayaan dengan prinsip bagi hasil. Pembiayaan
Musyarakah merupakan salah satu produk dari pembiayaan dengan prinsip bagi
hasil. Konsep bagi hasil pada pembiayaan Musyarakah harus berdasarkan
keuntungan maupun kerugian namun dan besaranya tentukan berdasarkan
kesepakatan bersama. Namun dalam penerapanya sering kali lembaga keuangan
syariah telah menetapkan presentase bagi hasil berdasarkan keputusan satu pihak.
Penelitian ini bertujuan untuk mengetahui implementasi akad Musyarakah
pada produk pembiayaan di KSPPS BMT NU Sejahtera cabang Majalengka?.
Bagaimana dasar hukum akad Musyarakah ada produk pembiayaan yang
digunakan di KSPPS BMT NU Sejahtera Cabang Majalengka?. Bagaimana
Pandangan Hukum Ekonomi Syariah Terhadap Implementasi Akad Musyarakah
Pada Produk Pembiayaan DI KSPPS BMT NU Sejahtera Cabang Majalengka?.
Penelitian ini menggunakan metode kualitatif melalui pendekatan studi kasus.
Dimana penelitian ini akan menggunakan bahan-bahan hukum serta menganalisis
berdasarkan fakta yang ada di lapangan yang berkaitan dengan objek penelitian.
Dalam penelitian ini menggunakan penelitian kepustakaan dan study lapangan,
maka prosedur dalam perolehan data di penelitian ini hasil dari observasi,
wawancara dan dokumentasi.
Adapun hasil penelitian ini menyatakan bahwa: Pembiayaan akad
Musyarakah di KSPPS BMT NU Sejahtera dilakukaan berdasarkan prosedur
pembiayaan sebagaimana umumnya yang dilakukan di lembaga keuangan syariah
lainnya, dimana nasabah melakukan permohonan pembiayaan, yang kemudian
akan disurvey oleh pihak Baitul Maal Wat Tamwil (BMT) kemudian akan
dilakukan pemeriksaan kualifikasi nasabah hingga realisasi pembiayaan. Adapun
dasar hukum pelaksanaan kegiatan Baitul Maal Wat Tamwil (BMT) berbentuk
koperasi maka tunduk juga pada Undang-Undang Nomor 25 Tahun 1992 tentang
Perkoperasian dan berada dalam pengawasan Kementerian Koperasi dan Usaha
Kecil dan Menengah dalam pelaksanaan pembiayaan Musyarakah KSPPS BMT
NU Sejahtera Cabang Majalengka berpedoman kepada F Fatwa DSN No:
08/DSN-MUI/IV/2000 tentang pembiayaan Musyarakah. Adapun pandangan
hukum ekonomi syariah terhadap Implementasinya Pembiayaan Musyarakah di
KSPPS BMT NU Sejahtera belum sesuai dengan dasar hukum yang digunakan
oleh Baitul Maal Wat Tamwil (BMT) NU Sejahtera yang mana dalam hal ini
Fatwa DSN No: 08/DSN-MUI/IV/2000 tentang Pembiayaan Musyarakah terlebih
dalam hal pembagian hasil keuntungan terlihat bahwa di Baitul Maal Wat Tamwil
(BMT) NU Sejahtera telah menetapkan sepihak besaran persentase 1% - 1,6%
untuk bagi hasil anggota pembiayaan.
Kata Kunci: Pembiayaan, Musyarakah dan Hukum Ekonomi Syaria
REPRESENTASI PEREMPUAN DAN IDEOLOGI PATRIARKI DALAM CERPEN PEREMPUAN PEMUJA HUJAN KARYA ROSIDA: PERSPEKTIF SARA MILLS
Full text linkSara Mills' critical discourse analysis relates to gender ideology in feminism. This study aims to show and describe how patriarchal ideology shapes the way women are positioned in literary texts, as well as to reveal its influence on the subject-object position and readers. This study uses a qualitative descriptive method. The subject of this research is the short story “Perempuan Pemuja Hujan” by Rosida. Data collection used the observation method with an advanced technique in the form of note-taking. The analysis of this study used the referential matching method with the basic technique of sorting determining elements (PUP). The result of this study shows that the author, as the controller of the narrative, positions the object as the subject, while the position of the object is given to the female character who is the subject of the narrative. The position of the object is presented as a party marginalized by the patriarchal system in her environment. In addition, readers are directed to empathize with the suffering of the object and reject the patriarchal system that oppresses her. However, on the other hand, the readers are also directed to blame the object for her own suffering. The main implication of this research is to uncover and describe how patriarchal ideology works in literary texts and how it affects the subject-object and reader positions. This shows that literary works are not always neutral, but can be a means of perpetuating and triggering resistance to gender injustice
IMPLEMENTASI KEGIATAN PELATIHAN CERAMAH DALAM MENGEMBANGKAN KEPERCAYAAN DIRI ANAK USIA DINI DI PAUD IT DINA PRATAMA TAHUN 2023/2024
Full text linkGrowth and yield of temulawak (Curcuma xanthorizha Roxb.) and corn (Zea mays L.) with various intercropping patterns
Full text linkTemulawak is rarely cultivated with any intensity because it has a long harvest time and requires wide spacing. One of the solutions for temulawak cultivation is through applying intercropping systems with corn. The current research aimed to determine the most advantageous intercropping planting pattern of temulawak and corn. The experiment adhered to a randomized block design with six treatments and four replications. The treatments were: T1 = strip cropping; T2 = row cropping; T3 = strip-relay temulawakcorn; T4 = row-relay temulawak-corn; T5 = strip-relay corn-temulawak; and T6 = rowrelay corn-temulawak. The results showed that different cropping patterns of an intercropping system of temulawak and corn affected the growth and yield of both crops. The most suitable polyculture cropping pattern, based on land equivalence ratios (LER) values and R/C ratios, was strip cropping that produced rhizhomes of temulawak of up to 2.68 ton ha-1 and of corn of up to 5.24 ton ha-1. The LER value was 1.22 and the revenue/cost (R/C) ratio was as much as 1.43 with a net profit of as much as IDR 9,509,000
ANALISIS CERPEN MARYAM KARYA AFRION DENGAN PENDEKATAN EKSPRESIF
Full text linkAbstrak. Penelitian ini bertujuan untuk mengetahui gambaran ekspresi pengarang dan proses kreatif pengarang dalam menciptakan cerpen Maryam. Metode yang digunakan dalam penelitian ini adalah metode deskriptif yakni dokumentasi dan wawancara. Teknik analisis data dengan membaca secara berulang-ulang, mengumpulkan data dari isi cerita yang behubungan dengan gambaran ekspresi pengarang, melakukan penelaahan data dan menggarisbawahi isi cerita, dialog, dan perilaku tokoh berkenaan dengan gambaran ekspresi pengarang, mendeskripsikan ekspresi pengarang pada tokoh, mengumpulkan data proses kreatif (melakukan wawancara dengan pengarang), dan menarik kesimpulan dari hasil penelitian. Hasil penelitian ini adanya gambaran ekspresi pengarang dalam bentuk takut, marah, sedih, gelisah, bingung, jengkel, tak peduli, sabar, dan cinta/kasih sayang. Perasaan ini dialami sang tokoh saat ditinggal suami. Temuan proses kreatif dalam cerpen ini yakni proses kelahiran cerpen Maryam terinspirasi dari pengalaman penulis melihat sosok perempuan bekerja sendirian di tengah perkebunan karet PTP III di Desa Gunung Malintang (Koto Baru). Kemudian pengarang menulis cerpen Maryam dengan menyesuaikan wilayah kehidupan dan adat budaya masyarakat Minang.Kata Kunci: analisis, cerpen, ekspresif Abstract. This study aims to describe the author's expression and the creative process of the author in creating Maryam's short stories. The method used in this research is descriptive method, namely documentation and interviews. The technique of analyzing data by repetitively reading, collecting data from the contents of the story that relates to the author's expressions, analyzing data and highlighting the contents of the story, dialogue, and character behavior with regard to the author's expression, describing the author's expression to the characters, collecting process data creative (conducting interviews with authors), and drawing conclusions from the results of research. The results of this study are descriptions of author expressions in the form of fear, anger, sadness, anxiety, confusion, annoyance, indifference, patience, and love / affection. This feeling is experienced by the character when the husband left. The findings of the creative process in this short story, namely the birth process of Maryam's short story, were inspired by the author's experience of seeing women working alone in the middle of PTP III rubber plantations in the Gunung Malintang Village (New Koto). Then the author wrote Maryam's short story by adjusting the area of life and cultural customs of the Minang community.Keywords: analysis, short story, expressiv
The Development Of A Course In Programmable Digital Devices
No full textIn industry the requirement of short-time-to-market is playing an increasingly important role in product design. In the case of electronic equipment and devices this can be achieved by the use of programmable devices. It is therefore important for students, upon entry into the industry, to be conversant with the various architectures, development tools, trade offs and limitations of these devices. To this end a course in programmable digital devices (PDDs), a senior technical elective for electrical engineering technology majors was developed by the author at the University of Central Florida
ANALISIS CERPEN MARYAM KARYA AFRION DENGAN PENDEKATAN EKSPRESIF
Full text linkAbstrak. Penelitian ini bertujuan untuk mengetahui gambaran ekspresi pengarang dan proses kreatif pengarang dalam menciptakan cerpen Maryam. Metode yang digunakan dalam penelitian ini adalah metode deskriptif yakni dokumentasi dan wawancara. Teknik analisis data dengan membaca secara berulang-ulang, mengumpulkan data dari isi cerita yang behubungan dengan gambaran ekspresi pengarang, melakukan penelaahan data dan menggarisbawahi isi cerita, dialog, dan perilaku tokoh berkenaan dengan gambaran ekspresi pengarang, mendeskripsikan ekspresi pengarang pada tokoh, mengumpulkan data proses kreatif (melakukan wawancara dengan pengarang), dan menarik kesimpulan dari hasil penelitian. Hasil penelitian ini adanya gambaran ekspresi pengarang dalam bentuk takut, marah, sedih, gelisah, bingung, jengkel, tak peduli, sabar, dan cinta/kasih sayang. Perasaan ini dialami sang tokoh saat ditinggal suami. Temuan proses kreatif dalam cerpen ini yakni proses kelahiran cerpen Maryam terinspirasi dari pengalaman penulis melihat sosok perempuan bekerja sendirian di tengah perkebunan karet PTP III di Desa Gunung Malintang (Koto Baru). Kemudian pengarang menulis cerpen Maryam dengan menyesuaikan wilayah kehidupan dan adat budaya masyarakat Minang.Kata Kunci: analisis, cerpen, ekspresif Abstract. This study aims to describe the author's expression and the creative process of the author in creating Maryam's short stories. The method used in this research is descriptive method, namely documentation and interviews. The technique of analyzing data by repetitively reading, collecting data from the contents of the story that relates to the author's expressions, analyzing data and highlighting the contents of the story, dialogue, and character behavior with regard to the author's expression, describing the author's expression to the characters, collecting process data creative (conducting interviews with authors), and drawing conclusions from the results of research. The results of this study are descriptions of author expressions in the form of fear, anger, sadness, anxiety, confusion, annoyance, indifference, patience, and love / affection. This feeling is experienced by the character when the husband left. The findings of the creative process in this short story, namely the birth process of Maryam's short story, were inspired by the author's experience of seeing women working alone in the middle of PTP III rubber plantations in the Gunung Malintang Village (New Koto). Then the author wrote Maryam's short story by adjusting the area of life and cultural customs of the Minang community.Keywords: analysis, short story, expressiv
Spatial Analysis Of Atmospheric Aerosol Impact On Shortwave Radiation Over Indonesia
No full textSurface downward shortwave flux or SSWD is solar energy that ultimately reaches the earth's surface. Aerosols, water vapor and clouds have an important role in energy balance in the earthatmosphere system. Dispersal and absorption by suspended particles, such as by aerosol and cloud droplets, depending on the number, size, chemical composition and shape. Spatial and temporal heterogeneity of clouds, aerosols and water vapor variability influence SSWD. The complexity ofproblems in the study of aerosols, causing the author to consider only simplefied spatial analysis linkages wave radiation reaching the earth's surface by aerosol conditions in Indonesia. Author using the Terra satellite data for aerosol data and data MERRA for radiation data within period from 2000 to 2006. The spatial analysis conducted, areas that tend to be higher aerosol concentration, relatively received short-wave radiation much less compared to other regions that have lower aerosol concentration. In this case, areas of Borneo are areas that can be seen clearly that the concentration of aerosol tends to be higher, especially in the event of forest fires the AOD value can reach > 2. Therefore this region showed a tendency to short-wave radiation downward is less than other regions in Indonesia.Hal. 231-23
Identification of Lactic Acid Bacteria (LAB) Consortium from Tempeh Jember Based on 16S rRNA Gene Sequences as Potential Probiotic Candidates
Full text linkThe development of pharmaceutical raw materials as local Indonesian probiotic concentrates requires attention to strain identity accuracy, safety, and health potential. This is due to the high potential of probiotics in preventing and addressing various health disorders from infancy to old age. Previous research successfully obtained lactic acid bacteria (LAB) isolates as probiotic candidates from tempeh produced in Jember, and preclinical testing showed that administering a consortium of five LAB isolates at a dose of 10^8 CFU/ml to BALB/c mice was an effective treatment for further application. This study aimed to perform molecular identification of the consortium of five LAB isolates from tempeh in Jember, East Java, based on 16S rRNA gene sequences. The consortium includes TA1, TB1, TK1, TK2, and TK4 isolates. This study used both qualitative descriptive and quantitative methods. Identification based on the 16S rRNA gene to determine LAB species strains involved bacterial genomic DNA isolation, amplification of the bacterial 16S rRNA gene, PCR product analysis, and phylogenetic identification and analysis. DNA amplification results showed that the consortium of five LAB isolates produced DNA fragments with bands of approximately 1300 bp. BLAST-N and phylogenetic analysis of the 16S rRNA gene showed that TB1 had 99.05% similarity with Kosakonia cowanii JCM 10956, TA1 had 99.46% similarity with Lactiplantibacillus plantarum JCM 1149, TK1 had 99.38% similarity with Lactiplantibacillus pentosus 124-2, TK2 had 96.86% similarity with Pseudomonas fluvialis ASS-1, and TK4 had 99.38% similarity with Lactiplantibacillus plantarum NBRC 15891. TA1, TB1, and TK4 were identified as non-pathogenic LAB strains, while TK1 and TK2 were not classified as LAB.
Android Based Learning Media for Dyscalculia Children at Nurul Jadid Islamic Boarding School
Full text linkA conditions that are different from other Normal Children in terms of mental, physical, and social characteristics called Children with Special Needs. Dyscalculia is a term referring to a wide range of difficulties with mathematics, including weaknesses in understanding the meaning of numbers, and difficulty applying mathematical principles to solve problems. The difference in conditions with other normal children, required a different approach in Teaching and Learning Activities of the other Normal Children. One of these different approaches is to use mobile learning devices as an effective learning media for Children with Special Needs to realize the material presented by the Teacher. This research was carried out for the 2020/2021 Students at Junior High School of Nurul Jadid, Karang Anyar Paiton Probolinggo. The purpose of this research is to produce an android application to help Children with Special Needs learn. This research method is research and development. The result of this research is that an android application has been produced as an effective learning media for children with special needs
