1,721,003 research outputs found
Measuring The Accomodation of Sharia Principles in Determining the Pricing of Consumer Financing Products of BSM (Sharia Mandiri Bank)
Full text linkThis study is intended to evaluate the pricing determination of consumer financing products of BSM, so that the customers can find out if BSM provides a treatment of installment payments on consumer financing products in accordance with sharia principles. In establishing the pricing on consumer financing products, BSM uses two methods, namely: the annuity method and the proportional (flat) method. The Construction of pricing on the consumer financing products in BSM is based on: (a) the total of installment payment per-month, it is based on financing platfond, percentage of margin, and period of time, (b) the principal installment payment per-month, it is based on total of principal installment payment per-month, and margin, (c) the installment payament of profit margin per-month, it is based on platfond, principal, and percentage of margin. The pricing used by BSM needs to be revitalized because (a) there is a profit return factor for customers, (b) containing a gharar element, and (c) using the paradigm of conventional bank in setting pricing.</jats:p
PRINSIP-PRINSIP DASAR AL-QUR’AN TENTANG PERILAKU KONSUMSI
No full textAbstract:This paper aims to uncover some basic tenets of how muslim’s consumerism should be as stated in al-A‘râf (7):31 and al-Baqarah (2):168. Those basic principles are spending income proportionally, caring for others’ needs, consuming a good and lawful goods or service, and having a simple life Although the definition of consumption, generally, is enjoying goods and services to fulfill human’s needs, moslem can not deliberately do it without considering those principles. The ultimate goal of muslim is not only current and on going proseperity but also future and hereafters’Abstrak: Tulisan ini bertujuan untuk mengungkapkan prinsip-prinsip dasar perilaku konsumsi muslim dalam memanfaatkan nikmat Allah yang diisyaratkan dalam Qs. al-A‘râf (7):31 and al-Baqarah (2):168. Meskipun konsumsi secara umum didefinisikan sebagai penggunaan barang dan jasa untuk memenuhi kebutuhan manusia, tetapi seorang muslim tidak dapat begitu saja memutuskan untuk mengkonsumsi suatu barang atau jasa tanpa mempertimbangkan prinsip-prinsip dasar konsumsi yang diisyaratkan dalam Qs. al-A‘râf (7):31 dan al-Baqarah (2):168. Prinsip-prinsip dasar tersebut adalah proporsional, peduli terhadap kebutuhan orang lain, halal dan baik, dan hidup sederhana. Hal itu sesuai dengan tujuan muslim untuk tidak hanya memikirkan kesejahteraan saat ini, tetapi juga masa depan dan akherat.</p
Kritik Abdullah Saeed terhadap Praktik Pembiayaan Murabahah pada Bank Islam
Full text linkThis paper is aimed at discussing the critical view of Abdullah Saeed as far as murabahah is concerned. For Saeed, this banking practice, which is adapted and adopted from Syari’ah has caused a lot of controversies. The basic question that a man like him asks is, does this Syari’ah banking system really make a difference? Nonetheless, it is this Syari’ah-based banking product that dominated the whole Islamic banking system in the great majority of Islamic countries. Investigating the nature of this product becomes therefore both strategic and important so as to have a better and proper understanding of it. This proper understanding will in turn influence the way this product is promoted and sold to the public in line with the values of Syari’ah. The paper will also compare murabahah with the similar banking practices in the conventional banks
VITALISASI SISTEM EKONOMI ISLAM MENUJU KEMANDIRIAN PEREKONOMIAN UMAT
Full text linkAbstractThe Islamic ecomic system in the specifik characteristics, is very different from the other economic system because it is as an integral part of islamic system, and economic in islam brings an equilibrium for individual and public interest, as well as it brings an individual freedom for economic activities. In the effort of completing its acknowledgment to economic freedom, Islam gives an authory to the government to interfere in the fungsionalization of islamic ecomic system. It means that all matters which concern on the economic aspects, have been discussed in Islam. So that it could be concluded that the regulation of economic in Islam, is absolutely complete. Therefore, the application of Islamic economic system in the social order of community’s economy would bring prosperity and benefit for community it self.Kata Kunci: Islam; Ekonomi; Sistem; Umat
REKONSTRUKSI PEMBELAJARAN EKONOMI ISLAM PADA PERGURUAN TINGGI AGAMA ISLAM (Antisipasi Pengembangan ke Depan)
Full text linkPENGARUH METODE PEMBELAJARAN LANGSUNG DAN METODE PEMBELAJARAN KOOPERATIF TIPE JIGSAW TERHADAP KEMAMPUAN PASSING ATAS PADA PERMAINAN BOLAVOLI MURID SD INPRES NO 33 SUMPANG BINANGAE KABUPATEN BARRU
Full text linkABSTRACT
This study aims to determine the effect of the direct teaching methods and learning methods on the ability of passing on volleyball in elementary school student SD Inpres No. 33 Sumpang Binangae Barru. The experiment was conducted in SD Inpres No. 33 Sumpang Binangae Barru This research includes experimental research, using the randomized pretest and posttest design. As the independent variable is the method of direct learning and cooperative learning methods jigsaw, then the dependent variable is the ability of passing on volleyball. Samples of 60 people divided into three (3) groups with matching technique Ordinal Pairing. Data were collected by using a test passing on volleyball. Data analysis technique used is the t-test at significance level α = 0.05.The results showed that: 1) direct instructional methods have a significant impact on the ability of passing on volleyball (t 4,067> table tο = 0.05 = 2,093). 2) Method of cooperative learning jigsaw significant impact on the ability of passing on volleyball (to = 6.989 > t Table 0.05 = 2.093). 3) Methods of cooperative learning jigsaw give a significant difference in the ability of passing on volleyball (to = 9.845 > t Table 0.05 = 2.042). Jigsaw cooperative learning methods (Mean = 11.8 and Sd = 1.6416) more effective use in the learning ability of passing on volleyball as compared to direct learning methods (Mean = 10.40 and sd = 2.2337).
Keywords: Learning Direct, Cooperative Learning Jigsaw Passing Ability Top In volleyball game
Islam dan Tenaga Kerja Wanita: Keadilan Ekonomi bagi Kaum Wanita
Full text linkKajian ini bertujuan untuk membahas tentang keadilan ekonomi bagi perempuan. Dalam Islam, wanita diperbolehkan untuk bekerja dalam bidang pekerjaan selama mereka bekerja denan baik dan benar. Berdasarkan pernyataan ini, banyak perempuan yang bekerja di berbagai jenis pekerjaan untuk membantu kehidupan ekonomi keluarga mereka, termasuk menjadi pekerja perempuan Indonesia di luar negeri. Namun, mereka sering menempatkan prospek hasil materi yang lebih prioritas daripada risiko bekerja di luar negeri. Akibatnya, mereka sering dieksploitasi oleh orangorang yang tidak bertanggung jawab. Oleh karena itu, untuk mengatasi masalah ini, prinsip-prinsip, seperti: pekerjaan, kompetisi, efisiensi, profesionalisme, kecukupan, kesempatan yang sama, independensi, kerjasama, kompetisi, keseimbangan, solidaritas, dan informasi simetri, dapat dibuat sebagai pedoman untuk menegakkan keadilan ekonomi bagi mereka untuk keluar dari lingkaran setan eksploitasi
VITALISASI SISTEM EKONOMI ISLAM MENUJU KEMANDIRIAN PEREKONOMIAN UMAT
Full text linkThe Islamic economic system in the specific characteristics, is very different from the othereconomic systems because it is as an integral part of Islamic system, and economic in Islam brings anequlibrium for individual and public interest, as well as it brings an individual freedom for economicactivities. In the effort of compliting its acknowledgment to economic freedom, Islam gives anauthority to the government to intervere in the fungsionalization of Islamic economic system. Itmeans that all matters which concern on the economic aspects, have been discussed in Islam. So thatit could be concluded that the regulation of economic in Islam, is absolutely complete. Therefore, theapplication of Islamic economic system in the social order of community's economy probably wouldbring prosperity and benefit for community itself
Construction of Buginese Local Wisdom on the Paradigm of Sharia Banking Development in South Sulawesi
Full text linkAbstract: This study aims to assemble Buginese local wisdom into a paradigm in order to develop sharia banking in South Sulawesi. Based on this purpose, the design used is descriptive qualitative design. It means that it describes qualitatively a paradigm built on Buginese local wisdom to develop sharia banking in South Sulawesi. The approach used is cultural and economic approach. While the focus of this study is the economic values of Buginese local wisdom. Therefore, the data used in this study come from Lontara', documents and related books and references. Using literature study in collecting these data and were analyzed with content analysis and inter-text analysis. The result of this study is that the paradigm that can be built on the economic values of Buginese local wisdom, is the humanist paradigm, namely "Buginese Humanist". This paradigm leads to a view of subjectivity based on human consciousness, and more emphasis on human values. If this is adopted in the developing sharia banking, the Buginese society will not think long to deal with sharia banking. Therefore, local wisdom should be used as the basis for building a paradigm to develop sharia banking in South Sulawesi. If this is used as a paradigm in developing sharia banking. Therefore, local wisdom must be a paradigm in developing sharia banking in South Sulawesiالملخص: تهد٠هذه الدراسة إلى بناء نموذج على الØكمة المØلية البوغيسية لتطوير المصرÙية الإسلامية ÙÙŠ سولاويسي جنوبية. وبناءًا على هذا الغرض، Ùإن التصميم المستخدم هو التصميم النوعي الوصÙÙŠ. وهذا يعني أنه يص٠نوعًا من النماذج المبنية على الØكمة المØلية البوغيسية لتطوير المصرÙية الإسلامية ÙÙŠ سولاويسي جنوبية. النهج المستخدم هو النهج الثقاÙÙŠ والاقتصادي. ÙÙŠ Øين أن تركيز هذه الدراسة هو القيم الاقتصادية للØكمة المØلية البوغيسية. ولذلك، Ùإن البيانات المستخدمة ÙÙŠ هذه الدراسة تأتي منلونتارا (Lontara) ØŒ والمستندات والكتب والمراجع ذات الصلة. استخدام دراسة الأدب ÙÙŠ جمع هذه البيانات وتØليلها مع تØليل المØتوى والتØليل بين النصوص. نتيجة هذه الدراسة هي أن النموذج الذي يمكن بناؤه على القيم الاقتصادية للØكمة المØلية البوغيسية، هو النموذج الإنساني، أي "الإنساني البوغيسي". هذا النموذج يؤدي إلى رؤية ذاتية تعتمد على الوعي البشري، والمزيد من التركيز على القيم الإنسانية. إذا تم اعتماد ذلك ÙÙŠ تطوير المصرÙية الإسلامية، Ùإن مجتمع البوغيس لن ÙŠÙكر طويلاً ÙÙŠ الارتباط بالمصرÙية الإسلامية. لذلك، ينبغي استخدام الØكمة المØلية كأساس لبناء نموذج لتطوير المصرÙية الإسلامية ÙÙŠ سولاويسي جنوبية.Abstrak: Tujuan studi ini adalah untuk merangkai kearifan lokal etnis bugis menjadi suatu paradigma dalam rangka mengembangkan perbankan syariah di Sulawesi Selatan. Berdasarkan pada tujuan penelitian tersebut di atas, maka desain yang digunakan adalah desain deskriptif kualitatif. Artinya, penelitian ini menggambarkan secara kualitatif paradigma yang dibangun dari kearifan lokal etnis bugis dalam mengembangkan perbankan syariah di Sulawesi Selatan. Pendekatan yang digunakan adalah pendekatan kultural dan ekonomi. Sementara fokus penelitian ini adalah nilai-nilai ekonomi kearifan lokal etnis Bugis. Karena itu, data yang digunakan dalam penelitian ini bersumber dari Lontara’, dokumen dan buku-buku serta referensi yang terkait. Dalam mengumpulkan data-data tersebut digunakan studi pustaka. Data-data yang telah terkumpul dianalisis dengan content analysis dan inter-text analysis. Hasil penelitian ini yaitu bahwa paradigma yang bisa dirangkai dari nilai-nilai ekonomi kearifan lokal etnis bugis adalah paradigma humanis, yakni “Humanis Buginis”. Paradigma ini bermuara pada pandangan subyektivitas yang berpijak pada kesadaran manusia, dan lebih menekankan kepada nilai-nilai kemanusiaan. Jika ini yang dijadikan paradigma dalam mengembangkan perbankan syariah, maka masyarakat bugis tidak akan berpikir panjang untuk berhubungan dengan perbankan syariah. Karena itu, kearifan lokal harus bisa dijadikan sebagai paradigma dalam mengembangkan perbankan syariah di Sulawesi Selatan
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