124 research outputs found
Penerapan Pengelolaan Keuangan Keluarga Syariah pada Masyarakat Desa Tubanan Kecamatan Kembang Kabupaten Jepara
No full textKabupaten Jepara merupakan daerah di Jawa Tengah yang memiliki banyak potensi ekonomi, namun jumlah penduduk miskin di Kabupaten Jepara masih perlu diperhatikan. Selain itu adanya praktik rentenir yang banyak ditemukan salah satunya di Desa Tubanan Kecamatan Kembang Kabupaten Jepara juga perlu dicari solusinya. Dari pengamatan dan wawancara dengan masyarakat sekitar, menunjukkan mayoritas masyarakat setempat belum menerapkan pengelolaan keuangan keluarga. Tujuan dari kegiatan Pengabdian Kepada Masyarakat ini adalah meningkatkan literasi masyarakat terkait pengelolaan keuangan keluarga sesuai dengan prinsip syariah. Dengan begitu keuangan keluarga dapat dikelola dengan bijak sehingga kebutuhan keluarga dapat tercukupi dengan aman, tenang, dan terhindar dari banyaknya hutang konsumtif. Kegiatan pengabdian dilakukan dengan paparan materi oleh narasumber dan simulasi perencanaan keluangan keluarga oleh peserta pengabdian. Hasil dari kegiatan ini adalah meningkatnya literasi terkait pengelolaan keuangan keluarga syariah dan meningkatnya inklusi keuangan syariah di Desa Tubanan Kecamatan Kembang Jepara
Risk, return, and liquidity during Ramadan: Evidence from Indonesian and Malaysian stock markets
No full textMeasuring microfinance access : building on existing cross-country data
Get PDFGiven the acknowledged need for a new effort to expand the set of available data on direct access to financial services, including a focus on access by those at low income, Honohan provides a selective review of the diverse sources of data that exist and considers how best to build on them. He proposes a basic framework within which to consider the analysis of the interesting questions: (1) How does access affect poverty and productivity? and (2) What hinders access? The author discusses existing and potential contribution of household and business user surveys, surveys of providers and their regulators, and surveys of experts, and assesses their relative strengths.Banks&Banking Reform,Environmental Economics&Policies,Health Economics&Finance,Poverty Assessment,Governance Indicators
The Ultimate Stakeholder Concept
No full textStrategy formulation is an important initial process because it is at this stage that the vision and mission of the organization are determined. Vision and mission contain values and philosophies to be disseminated to all stakeholders as the basis for achieving goals. Stakeholder theory explains the importance of accommodating stakeholder interests in achieving superior company performance, not just accommodating the interests of stockholders. This theory tries to overcome the weakness of stockholder theory which only accommodates the interests of shareholders. New Stakeholder Theory, which also tries to minimize the shortcomings of stakeholder theory, includes several stakeholder components whose interests need to be accommodated but have not been discussed in stakeholder theory. But again that the New Stakeholder Theory is also not yet complete to accommodate the existing weaknesses. The weakness of stakeholders and the new stakeholder theory is that it focuses on interested parties with the basis of transactional relationships in the mere tangible dimension. When the company operates by applying Stakeholder and New Stakeholder Theory, there are still fundamental problems. Weaknesses and some cases occur due to the incompleteness of Stakeholder and New Stakeholder Theory to accommodate stakeholders that are more comprehensive with tangible and intangible dimensions, direct and indirect. By reviewing the literature with meta-analysis, this article will offer the concept of the ultimate stakeholder. The ultimate stakeholder is a concept that places God as the main stakeholder for the organization, God as the central stakeholder of all activities and organizational goals, so that this concept has dimensions of the world hereafter. This concept is expected to be a complete concept to answer the incompleteness of the previous stakeholder theory. This concept is expected to be a plenary concept to answer the incompleteness of previous stakeholder theory and can be used as a basis for formulating the values of the organization's vision and mission in strategy formulation
Increasing Customer Loyalty of Islamic Bank Case Study at PT Bank Syariah Indonesia in Semarang
Get PDFThis study aims to investigate the impact of service quality, bank digitalization, and customer relationship management on customer loyalty with customer satisfaction as an intervening. The number of samples was 110 customers of PT Bank Syariah Indonesia in Semarang, who were selected using a purposive sampling technique. The analysis model used in this research is the path analysis model, and the analysis technique uses a simultaneous significance test (F test), partial significance test (t-test), coefficient of determination test (R2), and Sobel test processed with the SPSS 26.00 program. The results show that quality service, bank digitalization, customer relationship management, and customer satisfaction simultaneously significantly affect customer loyalty. Furthermore, service quality, bank digitalization, and customer satisfaction partially have a positive and significant effect on customer loyalty. Meanwhile, customer relationship management partially has a negative and insignificant effect on customer loyalty. Path analysis test results show that customer satisfaction can mediate the influence of service quality on customer loyalty. However, customer satisfaction cannot mediate the influence of bank digitalization and customer relationship management on customer loyalty at PT Bank Syariah Indonesia in Semarang City
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN UMKM DALAM MENGGUNAKAN PRODUK PEMBIAYAAN BANK SYARIAH DI KOTA SEMARANG
No full textUsaha Mikro, Kecil, dan Menengah (UMKM) merupakan sektor andalan bagi perekonomian Indonesia.Keberadaan UMKM menyumbang 60.34% persen terhadap Produk Domestik Bruto dan persentasepenyerapan tenaga kerja oleh UMKM tercatat sebesar 97 persen (Merdeka.com, 6/12/2018). Selain itu,UMKM terbukti mampu bertahan pada guncangan krisis ekonomi. Kendati demikian bukan berarti tidakada hambatan bagi sektor UMKM dalam perkembangannya. Hasil riset Worldbank menyatakan bahwahambatan utama pertumbuhan UMKM di Indonesia adalah tidak adanya akses pembiayaan sedangkanUMKM membutuhkan modal tambahan untuk berkembang. Hal ini menunjukkan adanya peluang besarbagi lembaga keuangan termasuk Bank Syariah. Keberadaan Bank Syariah sebagai penggerak sektor riildiharapkan bisa menjadi solusi nyata bagi pertumbuhan UMKM. Namun, tercatat porsi penyaluran KreditUsaha Rakyat Syariah (KUR Syariah) baru 0.6 persen. Jika dilihat dari sudut pandang UMKM adabeberapa faktor yang mempengaruhi keputusan dalam menggunakan produk pembiayaan Bank Syariahantara lain faktor prosedur, keyakinan, dan pelayanan (Lubis dan Mahalli, 2014). Yuliawan (2011),mengemukakan bahwa faktor pengetahuan berpengaruh signifikan terhadap keputusan nasabahmenggunakan produk Bank Syariah. Keempat faktor tersebut yaitu prosedur, keyakinan, pelayanan, dan pengetahuan akan digunakan sebagai variabel independen dan keputusan UMKM sebagai variabeldependen dalam penelitian ini.Penelitian ini menemukan bahwa pengetahuan nasabah memiliki pengaruh terhadap UMKM untukmenggunakan produk pembiayaan bank syariah. Disisi lain, prosedur dan pelayanan tidak memilikipengaruh siginifikan terhadap keputusan UMKM untuk menggunakan produk pembiayaan bank syariah.Temuan ini mengimplikasikan bahwa semakin baik pengetahuan nasabah terhadap produk makansemakin besar kemungkinan nasabah tersebut akan memutuskan menggunakan produk pembiayaan banksyariah. Prosedur dan pelayanan tidak memiliki pengaruh kemungkinan disebabkan karena tidak adaperbedaan pelayanan dan prosedur antara bank yang satu dengan yang lainnya.Kata Kunci: keputusan nasabah pembiayaan, prosedur, keyakinan, pelayanan, danpengetahua
Interleaved Multilevel Boost Converter With Minimal Voltage Multiplier Components for High-Voltage Step-Up Applications
No full textIn this article, a new interleaved multilevel boost converter (interleaved-MBC) is suggested with minimal voltage multiplier (VM) cells for high-voltage step-up applications. The interleaved-MBC is derived in such a way that the maximum utilization of the VM circuit operation can be achieved by the interleaved structure. Furthermore, compared to existing multilevel interleaved converters, the reduced number of capacitors and diode with equal voltage rating makes it more attractive. Similar to the existing multilevel converter, the feature of the interleaved-MBC provides the extension of the number of levels to achieve the necessary voltages just by adding similar capacitor-diode stages (single capacitor and single diode are required to increase the stage by one). The features like continuous input current, low-input ripples, high voltage conversion ratio, and reduced stress on devices make the proposed converter more suitable for the voltage step-up applications, such as dc link, hybrid distribution systems, hybrid photovoltaic systems, etc. The detailed analysis of the converter is carried out by considering the nonidealities in the power circuit. The operation of the interleaved-MBC is presented for continuous and discontinuous conduction modes with boundary conditions. The components selection criterion and the comparison of converters are presented with suitable discussions. The converter is experimentally tested, and the obtained results validate its performance and functionality.Manuscript received October 5, 2019; revised January 11, 2020 and March 20, 2020; accepted April 20, 2020. Date of publication May 5, 2020; date of current version July 31, 2020. This work was supported in part by the Qatar National Library, Doha, Qatar, and in part by the Qatar National Research Fund, Qatar Foundation, under NPRP Grant X-033-2-007. Recommended for publication by Associate Editor Y. Siwakoti. (Corresponding author: Atif Iqbal.) Mohammad Meraj, Atif Iqbal, and Nasser Al-Emadi are with the Department of Electrical Engineering Qatar University, Doha, Qatar (e-mail: Meraj@ qu.edu.qa; [email protected]; [email protected]).Scopu
Optimization of Kiln Feed Yield through an Analysis of Drilling and Blasting Parameters in a Quarry
No full textBlasting and drilling serves as an essential element for a mining operation to excel. Optimization of this operational aspect, requires consideration of various parameters that can be controllable or uncontrollable. To overcome the tediousness of analyzing each element selectively, some major parameters are outlined, and each blast is rendered relative to the other, by organizing the data from each blast design and integrating it in an empirical model called Kuz-Ram Model, which further can be used for predicting the impact of these parameters on fragmentation. Image analysis aids in validating the model credibility for using it as step forward for proposing alterations to the current practices in drilling and blasting area. Each image is processed with the help of Unmanned Aerial Vehicle, for safety and coverage of complete muck-pile. The study involves in depth focus on the impact of rock mass characteristic over fragmentation as well. Discontinuities, fractures, joint orientation and fillings are considered in designating each rock zone to specific class with the help of a geo-mechanical classification system called, Rock Mass Rating. To test the theory, an exercise is performed by separating two zones of variable rock mass properties and then the procedure is followed with empirical calculation, image analysis and supported by preferential loading to acquire a broad image of each zone fragmentation profile. Suggesting the variation in particle size distribution due to rock mass influence. The collected data and analyses shall serve as supporting tools for changes to blast design for obtaining desired fragmentation, which is synonymous to increasing the feed of kilns.Applied Earth Sciences | European Mining Cours
Mysticism and ethics in Islam
No full textIncludes bibliographical references.Standardized name for editor Bilal Orfali from the Library of Congress is: Urfahʹlī, Bilāl http://id.loc.gov/authorities/names/no2010019407The relationship between Sufism or Islamic mysticism and ethics is largely untilled land. Mysticism and Ethics in Islam attempts to survey this fertile area of investigation by attempting to come to a clearer idea of what is meant by the terms “ethics” and “mysticism,” both in relation to each other and to Islam. The articles in this volume do not have an eye so much on defining what mysticism and ethics in Islamic civilization are per se, as much as on coming to terms with the parameters and boundaries within which they have historically been conceptualized. As such, the book falls into four clearly demarcated time periods and foci: early, classical, late pre-modern, and modern and contemporary. Taken as a whole, this collection of contributions by leading specialists in their fields offer rich insights into some of the most important articulations of Sufi ethics to have animated the tradition, from past to present, in such geographically diverse regions and countries as Egypt, India, West Africa, Iran, Turkey, Russia, Central Asia, and China.Editors' introduction -- I. EARLY PERIOD -- Aḥlām al-mutaṣṣawwifah wa-atharuhā ʻalá ʻilm al-taʻbīr al-Islāmī, fī al-qarnayn al-rābiʻ wa-al-khāmis lil-hijrah / Lina Jammal -- To grieve or not to grieve? The ambivalence of Ḥuzn in early Islam / Riccardo Paredi -- The treasurers of God : Abū Saʻīd Al-Kharrāz and the ethics of wealth in early Sufism / John Zaleski -- On patience (Ṣabr) in Sufi virtue ethics / Atif Khalil -- Min naqd al-taṣawwuf ilá iṣlāḥ al-akhlāq : al-kashf ʻan aʻmāl Shams al-Dīn ʻAbd al-Malik al-Dulaymī (t. 593 H/ 1197M) / Khaled Abdo -- Does Al-Ghazālī have a theory of virtue? / Sophia Vasalou -- II. CLASSICAL PERIOD -- Theo-Fānī : ʻAyn Al-Quḍāt and the fire of love / Mohammed Rustom -- Marātib Al-Taqwā : Saʻīd Al-Dīn Farghānī on the ontology of ethics / William Chittick -- Transcending character and the quest for union : the place of union (al-jamʿ) in commentaries on Anṣārī's Waystations / Cyrus Zargar -- Seeing is believing : Sufi vision and the formation of the ethical subject / Richard McGregor -- Disciplining the soul, freeing the mind : spiritual practice (al-riyāḍa) in Fakhr Al-Dīn Al-Rāzī's Sharḥ Al-Ishārāt Wa-l-Tanbīhāt / Nora Jacobsen Ben Hammed -- al-Nasaq al-maʻrifī li-iʻādat intāj al-mafāhīm al-akhlāqīyah ʻinda al-Ṣūfīyah > namūdhajan / Chafika Ouail -- ʻAḍud Al-Dīn Ījī's ethics : a translation of Al-Akhlāq Al-ʻAḍudiyya and some notes on its commentaries / Feryal Salem -- III. LATE PRE-MODERN PERIOD -- ʻAbd Al-Wahhāb Al-Shaʻrānī's Laṭāʼif Al-Minan and the virtue of sincere immodesty / Matthew Ingalls -- Finding new life among the dead : the ethical mysticism of The Book of Pure Gold / Paul Heck -- Sufism and ethics in the works of Shāh Walī Allāh / Marcia Hermansen -- "Dogs have left you in the dust!" Mockery in Panjabi Sufi poetry / Syed Rizwan Zamir -- Churning nectar on the path of Muhammad : of ethical imaginaries in Kashmiri Sufi poetry / Peter Dziedzic -- The Chinese classics in the light of Ibn Al-ʻArabī's Metaphysics -- IV. MODERN AND CONTEMPORARY PERIODS -- Sufism and ethics in Central Asia : Ṣūfī Allāhyār's Thabāt Al-ʻĀjizīn and its legacy / Alexandre Papas -- Sufism, ethics, and the Muslim modernist project / Ahmed El Shamsy -- Sufism and modern Muslim ethics in 14th/20th century Russian Islamic thought / Leila Almazova -- A Nietzschean mystic : Muhammad Iqbal on the ethics of selfhood / Muhammad Faruque -- The transcendent ethics of Tarbiya : Ibrahim Niasse's Maqāmāt Al-Dīn al-Thalāth / Oludamini Ogunnaike -- Becoming what one is : liberative knowledge and human perfection in the writing of Seyyed Hossein Nasr -- Author biographies
Indonesian Islamic Comercial Banks Profitability: Role of Murabahah Financing, Musyarakah Financing, NPF, and BOPO
Get PDFThis study to analyze the significance of the effect of Murabahah Financing, Musyarakah Financing, Non-Performing Financing (NPF), and Operating Expenses on Operating Income (BOPO) on Profitability at Islamic Commercial Banks in Indonesia for the 2018-2022 period. We employ 6 (six) Islamic Commercial Banks in Indonesia for the 2018-2022 period, which were selected using Purposive Sampling technique. The analysis model used in this research is the Multiple Linear Regression Analysis Model processed with the SPSS 26.00 program. The results of hypothesis proving and discussion show that the effect of Murabahah Financing, Musyarakah Financing, Non-Performing Financing (NPF), and Operating Expenses on Operating Income (BOPO) simultaneously has a significant effect on Return on Asset (ROA). Partially, the Murabahah Financing ratio has a positive and significant effect, Musyarakah Financing has a negative but significant effect, the Non-Performing Financing (NPF) ratio has a negative but insignificant effect, and Operating Expenses on Operating Income (BOPO) has a negative and significant effect on ROA at Islamic Commercial Banks in Indonesia for the period 2018- 2022
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