8 research outputs found
Consistency and inconsistency of prospective teachers’ beliefs in mathematics, teaching, learning and problem solving
No full textCorrigendum to "The development of a digital-based learning evaluation tool using wordwall media for persuasive text material in elementary school"
No full textIn the original published version of this article, the author made a mistake in the order of the author names. The order of the author names is correct. The authors apologize for the error. The PDF versions of the article have been updated to correct the errors
School-Based Management in Efforts to Develop Student Life Skills in Community
No full textThis study uses a qualitative approach. The technique of taking data sources in this study is using Snow Bolling Sampling. The data collection procedures used are observation, review, and documentation studies. In conducting this data analysis, the author uses several methods, namely the induction, deduction, and comparison methods. School-based management at SMP Islam Terpadu Insan Madani Boarding School strongly supports the effectiveness of efforts to develop students' life skills. This is done by integrating general life skills in each subject so that every teaching and learning activity aims to develop certain life skills. Second, organizing a "Student Day" program consisting of 10 types of activities, and students are free to choose one or more of them that best suit their interests and talents. Third, increasing community participation is done by involving them in planning, implementing, supervising, and evaluating school programs. And fourth, creating a conducive school culture can be seen from the habits that continue to be carried out in daily associations and the implementation of the school's vision which is the motto for all school residents
Implementasi Akad Murabahah Pada Produk Pembiayaan Kredit Pemilikan Rumah (KPR) di Bank Syariah Mandiri KC Bojonegoro Menurut Hukum Ekonomi Syariah
No full textThis study discusses about how the implementation of the murabahah bil wakalah contract theory on mortgage products in the Bank Syariah Mandiri KC Bojonegoro is seen from the perspective of Sharia Economic Law. The scope of this research is limited to the following issues: (1) How is the implementation of the murabahah contract on mortgage loans in Bank Syariah Mandiri KC Bojonegoro? (2) How is the implementation of the murabahah contract on mortgage loan products in the Bojonegoro KC Mandiri Syariah Bank according to the Sharia Economic Law? This research includes the type of field research. Because this research was conducted at Bank Syariah Mandiri KC Bojonegoro. This research is a qualitative descriptive study because in this study the author will focus the discussion on legal facts in the form of the implementation of financing between banks and customers with murabahah contracts which will then be continued with a comparative analysis of the legal facts referred to as sharia economic law theories. This is intended to test the compatibility between legal theory and the legal practice in question.The results of this research include: (1) The mechanism that must be taken to be able to receive financing for Public Housing Loans from Bank Syariah Mandiri KC Bojonegoro, is carried out through predetermined stages including: (a) submission; (b) BI checking / IDeb (debtor information); (c) the implementation of collateral estimates; (d) determination of ceilings; (e) Imputing data into a computer system; (f) approval of the official for mortgage loans; (g) Issuance of SP3 (Letter of Notification of Financing Approval); (h) Implementation of the contract which is attended by prospective customers, banks and notaries; (i) Disbursement. As for the agreements made between prospective customers and banks, there are elements as follows: (a) Contracting parties; (b) Sighat or iqab qabul akad murabahah; (c) Contract object. The object of the contract referred to in the housing loan product is a new or used house; (d) Nature of contract. Agreements are made clearly, both concerning objects, ceilings, time periods, contract places, financing nominal, margin obtained by the bank, and principal installments. In the event of default or bad credit where the customer is late in paying the installments, the bank's contribution will take the following steps: (a) Intensive billing; (b) Provision of Warning Letters 1, 2 and 3; (c) A restructuring offer (if the customer is pleased), ie installments are adjusted to the customer's ability and large at the end; (d) Voluntary guarantee selling offers; (e) Guaranteed auction. In a condition where the customer is not willing to carry out a contract restructuring, the bank offers that the auction of assets is a guarantee of the akah murabahah. As for the auction, the bank cooperates with a secret auction agency. (2) The implementation of housing loan financing with a murabahah contract in Bank Syariah Mandiri KC Bojonegoro is not in accordance with Sharia Economic Law originating from Law Number 21 of 2008 concerning Islamic Banking, MA Regulation Number 2 of 2008 concerning Compilation of Sharia Economic Law and DSN-MUI fatwa Number 4 of 2000 concerning Murabahah. Keywords: Contract, Murabahah bil Wakalah, KPR, BSM, Sharia Economic Law.Â
Warna Lokal Minangkabau dalam Novel Dayon Karya Akmal Nasery Basral
No full textLocal colors have an influence on the development and introduction of the local culture of an area. The purpose of the study describes the local colors of Minangkabau in the novel Dayon by Akmal N Basral. Data collection techniques include reading techniques, note-taking techniques, and library techniques. The collected research data is analyzed through three stages including, data reduction, data presentation, and drawing conclusions. The results of the analysis show that there is a local color content in the novel Dayon by Akmal N Basral, including: a) Inyiak Tiger Beliefs, b) Minangkabau Community Customs, c) art, d) language, e) livelihood of foodstuffs, f) local animals, and g) Traditional Houses. The existence of local color content in Dayon's novel shows that the author photographed the activities of the Minangkabau people. The local content is able to become a characteristic of regional communities and is useful in shaping the character of the nation.  
ANALISIS MATERI BUKU AJAR BAHASA ARAB SEKOLAH MENENGAH PERTAMA TERPADU RABBI RADIYYAH REJANG LEBONG
No full textBooks are one of the most widely used teaching materials by students and teachers in the learning process. The composition has also been regulated by the applicable instrument regarding its quality. One of the bodies that manages the feasibility of the quality content (content quality) of textbooks is the BSNP. For this reason, in this article the author will analyze the quality of textbooks used by SMPIT RR students by examining the quality standards (standard quality) of textbooks according to BSNP. This article research uses a qualitative method (library research) and the source of the data taken is the quality of the content of the Arabic language textbook at SMPIT RR 2013 curriculum published by Erlangga. The data analysis technique in this article uses content analysis. The results of the analysis of the quality of the content of the Arabic language textbook at SMPIT RR have a good category and have met the quality of content applied by BSNP (analysis from the data revealed that the content quality of Arabic language textbook at SMPIT RR has a good category and has met the content quality applied by the NESA). But there are some shortcomings that need to be written regarding the explanation of the grammatical elements
Pandangan Hukum Islam Terhadap Fungsi Jaminan Dalam Pembiayaan Muḍārabah (Studi Kasus Di Kjks Bmt Surya Madani Boyolali)
No full textIn economic context, BMT as an institution of fund distribution is attempting to channel appropriately the fund that has been collected in order to meet the needs of people. On one side, persons with more funds will save their funds in LKS (Islamic Financial Institution), and on other hand,there are persons with less fund but they have strong determination and capability to make businesses for living. These raise a partnership agreement so that the fund can be distributed and it can make wellbeing into reality and to obtain blessing.
According to fatwa of MUI (Council of Indonesian Islamic Scholars), muḍārabah financing is trustworthiness in nature. The agreement needs a high level of honesty and upholds justice between the two parties. Therefore, each party must keep mutual interest. It means the Ṣāḥibul Māl cannot require Muḍārib to provide collateral, because Muḍārib is only a capital manager. Fiqh does not say that collateral is one of requirements in the agreement. It is encouraging author to do a deep research on “Islamic viewpoint on collateral function in muḍārabah financing (a case study in KJKS BMT Surya Madani of Boyolali).
Purpose of the research is to obtain understanding about function of collateral required in muḍārabah financing applied in muḍārabah financing of KJKS BMT Surya Madani of Boyolali, and to get information on Islamic viewpoint on collateral function in muḍārabah financing. The research is a field research with descriptive-qualitative approach. Method of data collection has used observation, interview and documentation. The data has been analyzed descriptively.
Based on results of the research, it can be concluded that collateral requirement applied in muḍārabah financing of BMT Surya Madani is in accordance with Islamic Law, because the collateral function is to protect Ṣāḥibul Māl from risk of failure in part of Muḍārib and to protect fund provided by BMT to Muḍārib, considering the fund is not exclusive property of the BMT but it is public property. And the collateral can be sold as exchange of the fund that is failed to repay if it is proved that Muḍārib has made error intentionally, negligence or failed to satisfy the agreement
