1,720,984 research outputs found
Manajemen Risiko Investasi Wakaf Uang
Full text linkThis paper is aimed at discussing the notion of endowment as a form of investment. Like any other kinds of investment, endowment needs a proper management especially that which is related to risk. Hence, the subject of this paper is risk management for money endowment, i.e., endowment in the form of money. A lack of proper management will certainly lead to the unsuccessful investment such as the ineffective cash-flow which occurs as a result of inflation. The paper argues that the unsuccessful endowment is often the victim of its own ineffective management, or else of its inefficient managers. Many endowments have no managers and management, the result of which being that it cannot be sustained and made use of. While the Syari’ah banking has improved dramatically in many Muslim countries, and has been run professionally, the paper asks, why is it not the case with the endowment sector
PERAN BAITUL MAL WA TAMWIL (BMT) TAQWA MUHAMMADIYAH DALAM MEMBEBASKAN MASYARAKAT DARI RENTENIR DI KOTA PADANG
No full textThis research was intended to know any factors that influence people using usurer and how did the BMT Taqwa Muhammadiyah helped people free from usurer in Padang. This research applying descriptive qualitative technique. The finding of this research showed that people were still using usurer in overcoming their financial problems due to (1) emergency need on business assistances, (2) quick process, simple procedure and shortherm paybak periode, (3) lack of bank and non bank access (4) they do not have any information of existing BMT, (5) depleted concern on religious believe on leaving excessive interest. Moreover the finding also found that BMT Taqwa Muhammadiyah had not yet provided significant financial assistance toward vendors
POTRET PERBANKAN SYARIAH DI INDONESIA
Full text linkAbstrakTahun 2012, aset perbankan syariah tumbuh sekitar 37%. Namun, berbagai persoalan masihmenjadi kendala perkembangan ekonomi Islam dan lembaga keuangan Islam di Indonesia.Bank Indonesia dalam membuat regulasi tidak memperhatikan karakteristik khas banksyariah. Manajemen bank syariah masih menggunakan pola-pola manajemen bankkonvensional. Penentuan margin, fee, dan nisbah masih menggunakan tingkat suku bunga.Bank syariah yang mempunyai tugas menjalankan pembangunan ekonomi berdasarkansyariah, pengembangan kesejahteraan masyarakat belum mencerminkan upayapengembangan kesejahteraan masyarakat. Bank syariah masih belum berani bermain padapembiayaan untuk investasi sektor riil, terbukti dengan pembiayaan murabahah yangmerupakan pembiayaan konsumtif masih mendominasi pembiayaan di bank syariah. Disamping itu sumber daya insani yang secara praksis berkecimpung di lembaga keuangansyariah belum sepenuhnya memiliki kapasitas yang ideal. Kebanyakan baru merupakansumber daya manusia pada lembaga keuangan konvensional yang kemudian dipolesdengan label syariah.Metode yang dipergunakandalam studi ini adalah content analisys. Yang menjadi sumberdata dalam penelitian ini adalah Laporan Perkembangan Perbankan Syariah BankIndonesia dan statistik perbankan syariah Indonesia.Berdasarkan analisis isi terhadap Laporan Perkembangan Perbankan Syariah dapatdisimpulkan bahwa dalam rangka mendukung pengembangan perbankan syariah, BankIndonesia perlu melakukan kebijakan yang difokuskan pada pembiayaan perbankansyariah yang lebih mengarah kepada sektor ekonomi produktif. Kemudian, pengembanganproduk yang lebih memenuhi kebutuhan masyarakat dan sektor produktif. Untukmengatasi masalah SDM di perbankan syariah ada beberapa langkah yang dapatdilakukan, yaitu Pertama, mendorong perguruan tinggi untuk mengembangkan ProgramStudi Ekonomi Islam secara lebih luas. Kedua, memperbanyak riset, studi, dan penelitiantentang ekonomi Islam, baik yang berskala mikro maupun makro. Ketiga, mendorongpenulisan kajian dan karya ilmiah melalui penerbitan buku dan jurnal, proseding seminar,lokakarya dan kajian. Keempat, mewajibkan program magang maupun on the job trainingkepada para mahasiswa di industri keuangan syariah. Kelima, sosialisasi dan edukasiekonomi syariah sejak dini mulai tingkat SD, SMP, dan SMA.Keywords: perbankan syariah, lembaga keuangan syariah, market share, grand strateg
PERANAN PEMERINTAH DALAM MENGAWASI TAKARAN DAN TIMBANGAN: Perspektif Ekonomi Islam
Full text linkThe history of Islamic economics uncovers that weight and measurement tools used by traders or sellers wereregularly supervised by the government’s institution, called al-ḥisba. Parallel to this historical fact, in Indonesiathe similar institution is currently placed under the authority of the Ministry of Trade and Commerce regulatedunder the Law No.2 of 1981. This study focuses to the actual practices of the law. Data for this study is gatheredfrom conducting serial interviews with traders, the authorities and conducting observation to the marketsactivities. The finding reveals that the authorized institution has not yet worked effectively in conducting itstasks that limitedly applies a seal to the measurement tools. These practices have untouched moral aspect of thebusiness activities. It hardly stepped forward to supervise the traders and sellers and also hardly applied lawenforcement. It suggests that this authorized institution, such as al-ḥisba, has the authority to enforce the lawin the framework of amar ma’ruf nahy munkar
PENENTUAN MOLIBDENUM SECARA SPEKTROFOTOMETRI DENGAN PENGOMPLEK TIOSIANAT DAN ANALISIS UNSUR UTAMA SECARA SPEKTROSKOPI SERAPAN ATOM DALAM BATUAN BUKIT PARONGGANG KABUPATEN SOLOK
Full text linkTHE IMPACT OF ZAKAT ON POVERTY LEVELS IN PADANG CITY BASED ON THE CIBEST MODEL
No full textThis study aims to analyze the impact of zakat on the level of poverty in Padang city based on the CIBEST perspective. The methods used in this study were interviews and questionnaires. The data analysis technique used is the CIBEST model. The results of the CIBEST Index analysis for Padang city show that 53.25% of families live in prosperous conditions, that is, they are materially and spiritually capable. 23.625% of families are in conditions of material poverty, as much as 14% in conditions of spiritual poverty, and 9,125% are in conditions of absolute poverty, which is materially and spiritually poor. Through zakat, the poor can fulfill their rights to material needs. In addition, empowering the poor through a perspective on poverty. Changing the people's mindset towards poverty is the main spirit of making changes towards a better life
EFEK GANDA PENGELOLAAN WAKAF UANG
Full text linkAbstrak: Selama ini pemanfaatan wakaf cenderung tidak produktif dan meng- abaikan kemungkinan potensi untuk kesejahteraan umum. Tulisan ini mendiskusikan perubahan dan implikasi yang timbul dengan dikeluarkannya Undang-undang Nomor 41 tahun 2004 tentang Wakaf. Penulis mengemukakan bahwa wakaf uang dapat ber- peran dalam menunjang proses pembangunan secara menyeluruh, baik pembangunan sumber daya manusia, maupun ekonomi dan sosial. Investasi wakaf uang dapat disalurkan untuk membantu biaya operasional lembaga-lembaga pendidikan, kese- hatan dan sosial. Di sinilah wakaf uang berperan sebagai salah satu sumber pendanaan alternatif untuk peningkatan kesejahteraan umat. Menurut penulis, introduksi Undang- Undang ini menjadi momentum pemberdayaan wakaf secara produktif.Abstract:TheMultiplier Effects of Currency Endowment Management. The employment of wakaf or endowment thus far tends to be unproductive disregarding the possibility of its potential for the public interest. This writing discusses changes and implication brought by the introduction of Regulation No. 41/2004 concerning Wakaf. The author maintains that currency endowment may function to supporting the process of development throroughly, both in human resources and social economy. Currency endowment investment may be distributed as a mean of assisting operational funding of educational, health and social institutions. It is on this that currency endowment plays the role as an alternative financial resource for the betterment of social prosperity. According to the author, the introduction of this regulation would become an avenue for empowering endowment productively.Kata Kunci: wakaf uang, ekonomi umat, UU No. 41/200
BANK NAGARI SYARIAH DALAM PERSEPSI GURU GURU SMA NEGERI KOTA PADANG
No full textBank Nagari Syariah dalam persepsi Guru Guru  SMA Negeri Padang merupakan tujuan dari penerlitanini.  Bagi hasil, promosi, kualitas pelayanan dan keputusan menggunakan Bank Nagari Syariah sebagai pilihan dipakai sebagai alat ukur dari persepsi Penulis menggunakan jenis penelitian kualitatif dengan metode deskriptif yang didukung dengan studi perpustakaan, Untuk menggambarkan secara sistematis fakta, data dan karakteristik abjek dan sabjekBerdasarkan hasil penelitan studi perputakaan  menunjuk terdapat persepsi positif terhadap penggunaan jasa  Perbankan Nagari Syariah pada Guru Guru SMA Negeri Kota Padan
THE ECONOMIC RECOVERY OF CULINARY TRADERS IN PADANG CITY, WEST SUMATRA PROVINCE BASED ON THE SURVIVAL ANALYSIS METHOD
No full textBackground. The COVID-19 pandemic has had an impact on the economy, including small businesses engaged in the culinary sector as a result of the social restriction policy. Many small businesses experienced a decline in production and were even forced to go out of business..Purpose. This study aims to analyze how assistance from the government and family affects the economic recovery of culinary traders in Padang City, West Sumatra Province during the COVID-19 pandemic.Method. This study uses a quantitative approach.The analysis of the research data uses the survival analysis method, which is a form of research that seeks to obtain information on the development of a particular object within a certain time..Results. The results of the study prove that government assistance and family assistance have a positive and significant impact on the economic recovery of culinary traders in Padang City, West Sumatra Province during the COVID-19 pandemic. Thus, the higher government assistance and family assistance, the faster the economic recovery of culinary traders in Padang City during the COVID-19 pandemic. On the other hand, if government assistance and family assistance are not available, the economic recovery of culinary traders in Padang City during the COVID-19 pandemic will take longer.Conclusion. Based on survival analysis, it shows that the higher the government assistance, the faster the economic recovery for culinary traders in Padang City, West Sumatra Province. Vice versa. If government assistance is low, the economic recovery of traders will take longer. Based on survival analysis, the greater the family assistance, the faster the economic recovery for culinary traders in Padang City, West Sumatra Province. Vice versa, if family assistance is low, the economic recovery of traders will take longer
The Rise and Fall of Leasing Syariah During The Pandemic Covid-19
Full text linkThe purpose of this study is to analyze the rise and fall of sharia leasing during the Covid-19 Pandemic. This research uses the literature study method with a descriptive approach, a qualitative part. The data comes from magazines, books, websites, and other official documents. The results of the study show that economic development during the Covid-19 Pandemic still had an impact on sharia financing and leasing. This impact is felt from reducing assets to increasing gross premiums. However, not all obstacles to the ups and downs of sharia leasing are caused by the Covid-19 Pandemic. The existence of conventional leasing for a long time, satisfaction with services, management processes and procedures, and governance structures cause other factors. The conclusion is that the rise and fall of sharia leasing are not only caused by the Covid-19 Pandemic but also by several other factors
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