bluuebunny/crossref_metadata_2025 huggingface dataset:
Gamified Cognitive Bias Modification Interventions for Psychiatric Disorders: Review (Preprint)
Authors: Zhang Melvyn , Ying Jiangbo , Song Guo , Fung Daniel SS , Smith Helen
Published: July 2018

BACKGROUND

Automatic biases, such as attentional biases and avoidance and interpretative biases, have been purported to be responsible for several psychiatric disorders. Gamification has been considered for cognitive bias modification, mainly to address the core issues of diminishing motivation to train over time, as bias modification intervention tasks tend to be highly repetitive. While a prior review has suggested how gamification strategies could be applied to such tasks, there remains a lack of systematic evaluation of gamified cognitive bias modification interventions in the literature.

OBJECTIVE

The objective of this review is to understand the overall effectiveness of a gamified approach for cognitive bias modification and inform future research that seeks to integrate gamification technologies into existing conventional bias modification interventions.

METHODS

To identify the relevant articles for our review, the following search terminologies were used: (“cognitive bias” OR “attention bias” OR “interpret* bias” OR “approach bias” OR “avoidance bias”) AND (“training” OR “modification” OR “practice” OR “therapy”) AND (“gamification” OR “game elements” OR “game” OR “gaming” OR “game mechanics”). PubMed, MEDLINE, PsycINFO, and Scopus databases were searched systematically for articles published after 2000. Articles were included if they described a gamified cognitive bias modification task and included participants with underlying psychopathological symptoms. Data were systematically extracted from the identified articles, and a qualitative synthesis was performed.

RESULTS

Four studies evaluated gamified cognitive bias modification interventions. Two studies included participants with anxiety symptoms, one with affective symptoms, and one with alcohol problems. The conventional visual probe task paradigm was used in 3 studies, and the attentional visual search task paradigm was used in the last study. We found gaming elements incorporated to include that of animations, sounds, feedback, and a point-scoring system for response time and difficulty. Of the 4 identified studies, only 2 reported their gamified interventions to be effective.

CONCLUSIONS

Our review is the first to systematically synthesize the evidence for gamified cognitive bias modification interventions. The results arising from our review should be considered in the future design and conceptualization of gamified cognitive bias modification interventions.

INTERNATIONAL REGISTERED REPOR

RR2-10.2196/10154
Islamic Economists in The Early 21st Century View’s on Business Ethics
Authors: Hakim Rahmad
Published: July 2018

Islamic Economists in The Early 21st CenturyView’s on Business EthicsRahmad HakimProgram Studi Ekonomi Syariah, Fakultas Agama Islam,Universitas Muhammadiyah MalangE-mail: rahmadhakiem@gmail.comABSTRACTThe focus of this study is to determine several thoughts of Islamic Economist of the early 21st Century related on business ethics through their works in Islamic Economics, especially in business ethics. In order to find the deeper and more comprehensive research, The researcher limited this research only to four Islamic Economists of the early 21st Century, such as; M. Umer Chapra, Syed Nawab Haider Naqvi, Mohamed Ariff, Akram Khan. The conclusion of this study are as follows: first, the Muslim economists trying to solve problems that occur particularly in the case of dichotomies in the fulfillment of material needs and non-material need, although there are some flaws. Second, Muslim economists at least try to realize human well-being based on Islamic principles. Third, the Muslim economists are also tried to build the Islamic ethics as a discipline that was not present before.Keywords: Islamic Economist, Business Ethics, Islamic Business
Konsep Wakaf Tunai Dalam Ekonomi Islam: Studi Pemikiran Abdul Mannan
Authors: Dwi Pusparini Martini
Published: July 2018

Konsep Wakaf Tunai Dalam Ekonomi Islam:Studi Pemikiran Abdul MannanMartini Dwi PuspariniUniversitas Islam Indonesia (UII) Yogyakarta, Indonesia E-mail: martini.dwi293@gmail.comABSTRAKWakaf telah menjadi salah satu instrumen dalam ekonomi Islam yang memiliki spesifikasi khusus dan menjadi pembeda dibandingkan jenis filontropi yang lain. Wakaf mamiliki ciri keabadian, yang artinya apabila harta tertentu telah diwakafkan maka hal itu tidak akan berubah hingga hari akhir. Artikel ini bertujuan untuk menjelaskan konsep dan manajemen wakaf tunai (cash waqf) menurut Abdul Mannan, yang merupakan salah satu pioneer dalam pengembangan wakaf tunai dalam ekonomi Islam. Dengan menggunakan telaah pustaka (literature review) karya-karya Abdul Mannan, dapat disimpulkan bahwa menurut beliau, wakaf tunai memiliki arti yang sangat penting bagi perekonomian negara, sebagai sarana transfer harta kekayaan orang kaya kepada para pengusaha dan warga masyarakat dalam membiayai berbagai program keagamaan, sosial, dan pendidikan dalam negara-negara Islam.Kata Kunci: Ekonomi Islam, Wakaf Tunai, Kesejahteraan Islam.
Diskursus Relevansi Persaksian Perempuan Dalam Transaksi Keuangan
Authors: Deny Irawan Mohammad
Published: July 2018

Diskursus Relevansi Persaksian PerempuanDalam Transaksi KeuanganMohammad Deny IrawanSekolah Pascasarjana UIN Syarif Hidayatullah Jakarta,Konsentrasi Ushul Fiqh dan HukumE-mail: kimb22@yahoo.comABSTRAKPersoalan transaksi keuangan dalam Islam memiliki ketentuan-ketentuan tertentu untuk menunjung tingginya tingkat kepercayaan yang dilakukan oleh kedua belah pihak dalam bertransaksi. Selain tulis-menulis, persaksian juga berfungsi sebagai salah satu penunjang yang tidak bersifat wajib untuk menjaga kepercayaan dalam bertransaksi. Tulisan ini bertujuan untuk mendiskusikan sejauh mana persaksian itu dibutuhkan dan sejauh mana persaksian wanita itu dapat diaplikasikan. Dengan menggunakan metode penelitian literatur (literature review) dimana diskusi didasarkan pada tinjauan pustaka yang relevan dengan topik dalam tulisan ini. Penulis berkesimpulan bahwa persaksian wanita dalam transaksi keuangan diperbolehkan asalkan memenuhi ketentuan satu laki-laki dan dua wanita serta dua orang laki-laki yang direkomendasikan di awal berhalangan. Jika tidak, maka kesaksian wanita tidak dapat diterima.Kata Kunci: Transaksi, fikih keuangan, persaksian wanita
Khiyār (hak untuk memilih) dalam Transaksi On-Line: Studi Komparasi antara Lazada, Zalara dan Blibli
Authors: Amiruddin Muhammad Majdy
Published: July 2018

Khiyār (hak untuk memilih) dalam Transaksi On-Line:Studi Komparasi antara Lazada, Zalara dan BlibliMuhammad Majdy AmiruddinAlumnus Master Muamalat Administration (MMA),Universiti Sains Islam Malaysia (USIM)E-mail: majdy@gmail.comABSTRAKKhiyar atau pilihan adalah hak yang diberikan kepada pembeli dan penjual apakah akan melanjutkan atau membatalkan transaksi mereka. Dalam transaksi online, konsumen tidak memiliki kontak langsung dengan pedagang dan tidak bisa dengan mudah memverifikasi kualitas barang, sehingga menciptakan situasi di mana para pelaku transaki tidak pada kekuatan tawar yang sama. Oleh karena itu, penerapan khiyar akan membantu dalam melindungi hak-hak konsumen di dunia maya. Tujuan dari artikel ini adalah untuk menganalisis jenis khiyar dan aplikasinya terhadap bisnis online yang sedang menjamur di Indonesia serta membandingkannya terhadap lazada, zalora dan blibli. Hasil dari penelitian ini menunjukkan bahwa khiyar aib diaplikasikan oleh ketiga situs tersebut, sedangkan khiyar ru’yah hanya diaplikasikan oleh lazada. Metodologi yang digunakan dalam penelitian ini adalah metode kualitatif yang bersumber pada rujukan-rujukan yang sesuai dengan melakukan pendekatan komparatif kepada ketiga situs tersebut.Kata Kunci: Jual beli, Khiyar, Bisnis On-line
Perilaku Bisnis Islami Tao Zhu Gong : Sebuah Pembelajaran (‘Ibrah)
Authors: Aditya Nugroho Wiwid
Published: July 2018

Perilaku Bisnis Islami Tao Zhu Gong :Sebuah Pembelajaran (‘Ibrah)Wiwid Aditya NugrohoMagister Manajemen,Sekolah Pascasarjana Universitas HAMKA, JakartaE-mail: wiwidnugroho@yahoo.comABSTRAKBisnis sudah menjadi bagian kehidupan orang Cina yang tidak dapat terpisahkan. Hal ini pula yang menjadikan mereka sebagai salah satu sumber ilmu bisnis terpercaya karena kesuksesannya telah terbukti diseluruh dunia. Salah satunya adalah Tao Zhu gong yang mempunyai nama asli Fan li merupakan orang kepercayaan kaisar yue, yaitu Gou jian sekitar abad 500 SM. Tao Zhu-gong seorang ahli strategi militer yang mengundurkan diri dari kedudukan tinggi seorang perdana mentri untuk menjadi seorang pebisnis dan milyuner pertama di China. Karyanya yang terkenal adalah Kaidah emas keberhasilan Bisnis. Penelitian ini mencoba untuk membahas tentang 12 prinsip bisnis menurut Tao Zhu-gong. serta bagaimana 12 prinsip bisnis Tao Zhu-gong dalam perspektif Islam. Dengan menggunakan metode dokumentasi dan metode pendekatan historis (historical approach) penulis berkesimpulan bahwa sebagian dari 12 prinsip bisnis menurut Tao Zhu-gong mengandung nilai-nilai Islam, dan sebagian lainnya tidak sesuai dengan nilai Islam, disebabkan ketiadaan nilai spiritual didalamnya.Kata Kunci: Prinsip, Bisnis Islam, Pembelajaran (‘Ibrah)
Aplikasi Gadai Emas Syari’ah: Studi Kasus Pada BRI Syari’ah Cabang Pekanbaru
Authors: Maulidizen Ahmad
Published: July 2018

Aplikasi Gadai Emas Syari’ah: Studi KasusPada BRI Syari’ah Cabang PekanbaruAhmad MaulidizenProgram Magister Ekonomi Islam,Universiti Malaya, MalaysiaE-mail: ahmadzen682@gmail.comABSTRAKProduk Pembiayaan Secara Islam telah mulai berkembang pesat dalam arus industri perbankan dan keuangan pada masa ini. Keadaan ini diantaranya dapat dilihat melalui pertambahan aset perbankan Islam beberapa tahun, disamping penyertaan lebih banyak isntitusi yang menawarkan produk secara Islam. Produk Gadai Emas Syariah adalah penyerahan marhun (barang jaminan) dari rahin (nasabah yang menggunakan pembiayaan gadai) kepada bank sebagai jaminan sebagian atau seluruh hutang. Penelitian ini bertujuan untuk mengetahui aplikasi pembiayaan gadai emas syariah pada Bank BRI Syariah cabang pekanbaru menurut perspektif fatwa DSN No.25 dan 26/DSN-MUI/III/2002. Dengan menggunakan pendekatan lapangan (field research) dan metode observasi, wawancara dan studi dokumentasi dalam pengumpulan data. Penulis berkesimpulan bahwa pelaksanaan pembiayaan gadai emas syariah pada Bank BRI Syariah cabang Pekanbaru telah sesuai dan ada beberapa hal yang harus dilakukan perbaikan agar tidak bertentangan dengan prinsip syariah.Kata kunci: Pembiayaan Gadai Emas, Bank Syariah, dan Fatwa DSN
Penerapan Etika Bisnis Islam di Koppontren La Tansa Pondok Modern Darussalam Gontor, Tahun 2015
Authors: Nugraha Ahmad Lukman
Published: July 2018

Discussion in ethics of business activity poped out to minimize cheating and fraud. But actually, business ethics felt difficult to apply in practice. Modern Islamic Boarding School Darussalam Gontor as one of the self-help Islamic Boarding Schools supported by cooperatives in pesantren (koppontren) in their activities. This paper aims to understand the application of Islamic buseness ethic in Koppontren La-Tansa Gontor. This research uses mix method which is sequential explanatory design and case study, questionnaires, interviews, observation and documentation used to collecting data in this research. Data analysis was performed through data reduction, data display, and data verification. The results of this research can be explained as: first, La-Tansa cooperatives sector Gontor can run the business activities with the implementation of business ethics according to the Qur’an and Sunnah values. Appear from the height understanding of the business to the axiom business ethics and the height application in business activities in each business sector. Second, the character of kyai and business unit supervisor are high. According to the data, showed that a level of the heigh direction is 80 persent and control on the application of business ethics is 72 percent. Thus, the Islamic buseness ethic can be applied on firm’s and goverment’s law with height understanding and controlling.
Menggagas Transparansi Operasional BPRS Perspektif Digital
Authors: Tarmizi Achmad Chumaidi
Published: July 2018

Syariah financing people bank so called as BPRS, give warranty to the borowers , that every operations free of elements gambling (maysir), uncertainty (gharar), and interest (riba). Warranty with a certain step to give an explanation and information of all the aspect of operational done by BPRS can be called as the transparency. Thus, improving the transparency in BPRS need to optimized. Transparency which includes a whole operational activities with the stakeholders need to be enhanced, because the lack of transparency could caused to uncertainty (gharar) that impact to the faith of stakeholders. This study aimed to explore in depth views relating to two things; first, the development of transparency on BPRS; especially in operational activities businesses and correlation with the stakeholders. Second, the role of information technology in the process of transparency, and its impact on BPRS or the National Economy.
Ekonomi Syariah Sebagai ‘Trend’ di Era Globalisasi
Authors: Nugraha Jefri Putri
Published: July 2018

Islam is a universal religion that regulates all dimensions of human life both; the world and the hereafter. Islam has also arranged economic problems since Islam was revealed through the Prophet Muhammad. Al-Quran and al-Hadith as the main reference of sharia economic thought. Islamic finance has become an economic system that was born along with the birth of Islam, but only this decade Islamic economic system become trending topic of discussion. Considering followers conventional notions began to look at the economic system of Syariah. In the era of globalization, there are a tendency in economic development for more attention to ethics in economic activity. This paper aims to explore in depth discussion on the trend of global economic and its development at the same time, reveals the opportunities and challenges in the economic development of sharia in the context of global economic development era.
Review Buku: The Price of Inequality: How Today’s Divided Society Endangers Our Future
Authors: Rahmad Mischa Diana
Published: July 2018

Poin utama dari keseluruhan topik dalam buku ini adalah; praktik ‘rent seeking’ yang berdampak terhadap kesenjangan pendapatan, dan selanjutnya mengakibatkan kegagalan pasar dan krisis ekonomi. Istilah‘rent seeking’ merupakan istilah yang digunakan oleh Joseph E. Stiglitz dalam buku ini, yang ditujukan kepada beberapa oknum pengusaha pada ekonomi Amerika Serikat yang senantiasa mendapatkan keuntungan tanpa usaha, dan tak acuh terhadap lingkungan sekitar. Penulis menyebutnya sebagai ‘pencari (uang) yang tamak’. Namun jika dilihat dari esensinya, perilaku seperti ini di Indonesia sangat mirip dengan ‘rentenir’.
Pengembangan Produk Funding Dengan Akad Musyarakah Pada Bank Syariah
Authors: Trimulato Trimulato
Published: July 2018

The rapid development of shariah banking in Indonesia can be seen by its market share which exceeded 5 percent nationally in 2016. Furthermore, the shariah banking have a strong legal law with the presence of the law number 21 of 2008. Total deposits in shariah banking reached 240,974,000,000,000. To increase public interest to choose shariah banking have to innovate in both product funding and product financing. Musharakah contract is currently only used on product financing, weather has not been used in the funding product. This paper uses a descriptive qualitative method, this paper is focused on raising funding products by musharakah contract. To increase the volume of funding products, syariah banking need to use musharakah contract on funding products. The results of this paper concluded that, in the period of December 2015 through December 2016 the musharakah contract on financing products increased up to 29.17 percent. Musyarakah contract has not been used on funding products. Both musharakah and mudarabah have the same pattern as the model for the results. While mudharabah used in funding products, musharakah can also be used for funding products in shariah banking. The Development of funding product with musharakah contract in shariah banking will be profitable for banks and customers. It will be more easily raise money to meet the large volume of financing, then the Musharakah agreement will provide for more great results for customers.
Money in Islam: Toward Re-evaluation of Islamic Financial System
Authors: Umam Khoriul
Published: July 2018

This paper aims at re-evaluating the Islamic financial system based on its authenticity in the perspective of money in Islam. Imam Ghazali identifies two main functions of money: as a just unit of account and an efficient medium of exchange. These two functions are the purpose of money creation. Thus, Islam prohibits any activity diverting money from carrying out its functions. On the basis of this perspective, the current practice of Islamic banking thatcreates dominantly debts from sales and leasebased products and not the profit and loss sharing ones has caused money deviated from its functions. Furthermore, in Islamic capital market, this paper insists that the minimum holding period of Islamic stock market cannot abolish the practice of capital gain in the secondary market of Islamic capital market. Accordingly, Keynesian liquidity preference must exist as well as the speculative motive of money demand. As the result, money will be demanded not only for real economic activities, so the supply of money will overshoot the demand of real economic activities. Such condition distorts the ability of money to provide a true value for real economic activities. On the basis of these points of view, innovations in Islamic financial system should be designed to facilitate money providing a just value of economic activities and facilitating exchange of goods and services in efficient and equitable manner. Finally, this paper sees the need of Ulama who can control the innovation in Islamic financial system to be based on its authenticity that finally leads to the achievement of Islamic vision. In this regard, faculty should design its curriculum that provide graduates who are able to remove the western vision from Islamic finance theories and then to infuse the Islamic vision to them.
Optimalisasi Peran Masjid Sebagai Pemberdaya Ekonomi Masyarakat (Studi Pada Masjid Agung Ponorogo, 2016)
Authors: Muhammad Abduh Syamsuri &
Published: July 2018

Since the time of the Prophet PBUH, mosques have a significant rules as a place of worship of Muslims, developing the economy of society, the place of wealth (Baitul Mal) which distribute zakat, alms, and spoils to the poor and the benefit of Muslims. Recently, the function of mosques not similar to the ancient time. In Ponorogo, there are approximately 481 mosques still not able to empower the local economy. Based on the research, the number of poor people in Ponorogo is still quite high, reached to 11.87% of the total population in East Java. The Tjokronegoro Mosque located in Ponorogo as the sample in this study because some of factors including steps strategy that has been done to empower the economy of the surrounding communities. The results of this study are expected to be a motivation and an example of economic empowerment through mosques, especially the East Java region. This research is qualitative descriptive, so the data collection method is using triangulation; documentation, interview and observation. Finally, this article found that the mosque Tjokronegoro Ponorogo Able to optimize their function in economic empowerment. Namely through three flagship programs: educational, humanitarian, and optimization of the distribution of zakah, infaq and sadaqah.
Peran dan Tantangan Ekonomi Islam di Era Global
Authors: Maulidizen Ahmad
Published: July 2018

Globalization has become the defining process of the present age. The most important aspects of economic globalization are the breaking down of national economic barriers, the international spread of trade, the financial and production activities, and the growing power of transnational corporations and international financial institutions in the process. While the opportunities and benefits of this process have been stressed by its proponents and supporters, recently there has been increasing disillusionment among many policy makers in the developing contries, analysis and academicians as well as community of non-governmental organization (NGO) in both Eastern and Western countries. The reasons for the changing perception of and attitude towards globalization are many. Among others are the lack of tangible benefits to most developing countries from opening their economy despite the well-publicized claims of export and income gains, the economic losses and social dislocation that are being caused to many developing countries by rapid financial, trade and investment liberalization, the growing in equalities of wealth and opportunities a rising from globazation and the perception that environmental, social and cultural problems have been made worse by the working of the global free economy. In this connection, this article analyses the features of Islamic economy system, the nature of economy globalization, the failure of the conventional economy systems in the age of global village and the roles, and challenges of Muslim Ummah to globally implimens the Islamic Economy system in the world countries.
The Role of Demand toward Employee’s Wage Change: An Islamic Perspective
Authors: Noviyanti Ririn
Published: July 2018

An employee must get a justice wage according their contribution to the company. But in reality, the employee get a stabil wage even in increasing of demand, and force them to receive a lower wage when the company in decreasing of demand. It’s a kind of unjustify according the contribution that the employee have given. This study is the research literature. The data in this study are obtained by using the documentary method, to search for data about the role of demand on wage levels. These data are analyzed by using descriptive method of content analysis to determine the contents of the three variables. The role of demand toward employee wage change in Islamic economics can be explained from two forms. First, demand increase for shared and unshared, demand increase for shared than the employee will get the additional wage from increasing demand, demand increase unshared, then the employee will get the stable wage due to additional company’s capital. Second, Demand decrease shared and unshared, demand decrease shared, then the employee will get the  lower wage, decrease unshared, then the employee will get the stable wage caused the company should to reduce the company’s capital by requirement the additional employee hard work.
Manajemen Resiko Pada Produk BSM Cicil Emas di Bank Syariah Mandiri (BSM) Kantor Cabang Sukarno Hatta Malang
Authors: Muslihati Tk. Umar Johan &
Published: July 2018

The purpose of this research is to know the mechanism of product BSM Gold Installments financing, the strategy used by Bank Syariah Mandiri in managing the risk, and the impact of the strategy implemented by Bank Syariah Mandiri. The method of collecting data used in this research is direct interviews to relevant sources and collection of supporting considered documents. The results of this observation indicate that: first, the risk management strategy in BSM Gold Installments can be separated to four stages: identifying risk, measuring risk, controlling risk and monitoring risk. Second, the implementation of risk management strategy of BSM Gold Installments has had a significant impact on the low of risk. In fact the selling price of BSM Gold Installment of Bank Syariah Mandiri increased every year. On March 2015, the price of one gram gold reach on Rp. 543,000 and increase up to Rp. 578,000 per gram on March 2017.
Pengaruh Fluktuasi Nilai Tukar Rupiah terhadap Rasio Pertumbuhan Aset Perbankan Syariah
Authors: Muslikhati Ahmad Chumaidi Tarmizi
Published: July 2018

This research aims to reveal empirical evidences about the influence of exchange rate fluctuations to asset growth ratio of sharia banking, along with how much does independent variable explain dependent variable. The research takes a quantitative approachment, which refer to numeral calculating of research data. This research variabel consists of exchange rate fluctuations as independent variable and asset growth ratio of sharia banking as a dependent variable. Sample selection using purposive judgment sampling method. The sample of this research is sharia bankingin the period between 2008-2016. Data used in this research is secondary data while the techniques of data analysis in this research applied simple linear regression analysis. Results of this study demonstrate that the exchange rate fluctuations variable significantly influence to asset growth ratio of sharia banking variable. Regression coefficient value is – 1,73 and significant value is 0,029. The results of this study as well exhibit that the exchange rate fluctuations variable explained 51% of asset growth ratio of sharia bankingvariable while the remaining 49% wereexplained by another variable not included in the model.
Perilaku Konsumsi Masyarakat Modern Perspektif Islam: Telaah Pemikiran Imam Al-Ghazali dalam Ihya’ Ulumuddin
Authors: Syaputra Elvan
Published: July 2018

Satisfaction in fulfilling what someone want to consume is the measure of happiness. Such shopping now becomes an endless human need. Herein lies the consumption in the sense of altering “consumption as necessary” into “consumption as wants”. In this case, it is intended that one’s motivation for spending is no longer to meet basic human needs, but rather to relate to their identity. This proves that the culture of consumerism has changed the pattern of people’s dependence in consume. This study aims to conduct an in-depth analysis of the pattern of consumption of modern society in terms of Islam; especially Imam al-Ghazali in Ihya ‘Ulumuddin. The conclusion of this study is that Al-Ghazali laid the foundation of a Muslim's life by attaining the goal of the salvation of the hereafter. As for one way to achieve the purpose of the Hereafter by running the consumption activity based on Islamic sharia.
Implementasi Akad Murabahah dan Ijarah Muntahiyah Bit Tamlik Pada Produk KPR BRI Syariah KC Malang Kawi
Authors: Moch Novi Rifa’i Winda Ika Pratiwi
Published: July 2018

This study aims to explain how the mechanism of mortgage product (KPS) at BRI Syariah. In each bank, there is a different use of the contract on the mortgage product, although the contract used remains based on the contract in accordance with Islamic Sharia. By using interview and survey methods to find out the mechanism of mortgage product at bank BRI Syariah KC Malang Kawi. The result of shows that mortgage product (KPR) in BRI Syariah consists of two kinds: namely mortgage product (KPR) Faedah and ijarah muntahiyah bit tamlik (IMBT); where KPR Faedah using murabahah contract and IMBT using ijarah muntahiyah bit tamlik (IMBT). In the essence, both of two products issued by BRI Syariah are the same, there are only different in working mechanism. In KPR Faedah, the principal installment will be greater each installment period until the end of repayment. While the principal installment of KPR IMBT is fixed from the beginning of the installment period until the end of repayment. The term used also differs between the products KPR Faedah and KPR IMBT; where in KPR Faedah used the term ‘installment margin’ for the benefit of the bank, and on IMBT mortgage product used the term ‘installment ujrah’.
Dinar dan Dirham Sebagai Alternatif Mata Uang: Sebuah Tinjauan Literatur
Authors: Noviyanti Ririn
Published: July 2018

The issue of justice becomes a serious problem because of the lack of attention to the current system of justice. In the end, many of the economic actors are realizing that the current system is not capable of delivering optimal results. Various attempts were made to optimize the results but the results were in vain. Various policies have been made to provide solutions to the existing problems, but still unable to prevent the various economic crises that occur in the current system. This study aims to conduct in-depth discussion of the dinar and dirham as an alternative to the world currency solutions using literature approach. Based on the exposure, it can be concluded that dinar and dirham can and can be a solution of the international monetary system and replace the current monetary system. It is therefore ideal for all Muslim countries to embark on the implementation of the Islamic monetary system using dinar and dirham.
The Challenges of Muslim Countries in Business World
Authors: Amal Norhaizah Rafidah Binti Haji Amidon
Published: July 2018

Throughout the centuries, the Muslim countries has evolved and branched out to the world of arts, literature, philosophy, technology, economy, law and ethics, education, even politics inclusive of its conflict. Most of what occurred throughout the centuries was documented and used as reference in future studies such as studied done in medical by Ibnu Sina. Many part of the world have form negative perspectives of the Muslim countries especially by correlating negative incidents occurred in some part of the world as practice of all Muslim in the Muslim countries. Living in the Muslim countries has its advantages and disadvantages in which it will be discussed further in this essay. from the discussion below, it can be conclude that any world no matter the religion, the belief, the political standing is bombarded with dilemmas of identifying the advantages and disadvantages of their world to face the challenges of globalization. Distinguishing the advantages or the disadvantages without implicating neither sense of pride or sense of shame has been the practice that is being encouraged by all. The most important impression that the Muslim world can make is through the beauty of tolerance, understanding and the concept of sharing without judging others.
Penerapan Konsep Ta’dib dalam Pembelajaran Ekonomi Syariah
Authors: Hakim Rahmad
Published: July 2018

Increasing awareness of Muslims associated with the awareness of the economy in accordance with Islamic values is good news to be grateful. This has the logical consequence that the development of Islamic economics both in the theoretical and practical level is increasing rapidly in proportion to the increasing awareness of Muslims, especially in Indonesia. This study aims to analyze in depth and comprehensively related three important points, namely: first, the concept of ta’dib in Islam. Second, the economic values of sharia economy. Third, the relevance of the concept of ta’dib in Islamic economics. The approach used in this study is literature research by conducting a study and in-depth analysis related to literature related to the concept of ta’dib and Islamic economic values. The result shows that the concept of ta’dib can be applied in the study of Islamic economic accordance with the key concept which stated in the al-Qur’an such as: al-fadlu, ‘adl, maslahah, iqtishad, dan falah. Using those values so that the activity has the motivation (intention) is right and good that is reaching mardhatillah. On the other hand, running an economic activity based on true and good Islamic values is a form of a Muslim's presence against the virtue (al-fadlu) given by Allah to him.
Pemikiran Muhammad Hashim Kamali dalam “Principle of Islamic Jurisprudence”
Authors: Rahmad Salman Abdullah
Published: July 2018

Tradisi hukum Islam (fiqh) mengenal adanya sumber-sumber hukum yaitu Alquran, Sunnah, Ijma’ dan Qiyas. Landasan penetapan hukum model qiyas asy-Syafi’i memiliki kesamaan secara struktur logika dengan cara berfikir Aristoteles. Akan tetapi, landasan penemuan ‘illat hukum harus didasari pada apa yang ditemukan dalam Alquran, Sunnah, dan Ijma’. Dalam konteks ini, peran akal ada tetapi dibatasi oleh peran teks.
Analisis Pengaruh Toko Ritel Modern Terhadap Pendapatan Pedagang Tradisional dalam Perspektif Ekonomi Islam
Authors: Triyawan Andi
Published: July 2018

The aim of this research isto find out the influence of retail modern existence through traditional retail seller income at Subdistrict Ngawi Regency Ngawi and discover its solution in islamic economic. And giving some sugestion for retial traditional seller to evolving their business. This research is quantitativefield research, by obtaining primary source from questioner which had devided to traditional retail seller in subdistric Ngawi. The result is showing that, Sig in Coefficient table are about 0,433>0,05 which tell that Ho is rejected, which mean is, there is some effect between the existence of modern retailwith traditional retail seller income in subdistrict Ngawi. And with T-Test also showed that Ho is rejectedwith t-count<t table (-0,031<2,093). Then, we can conclude regresion equation Y’ = 4,539 - 0,031X + e, which means, if the exixtence of modern retail is valued 0, then the income of traditional retail seller is valued 4,539. Because of regresion coefficient the existence of modern retail is about -0,031, then every additional one unit of modern retail will affect to decrease of traditional retail seller income about Rp 0,031.
Analisis Perbandingan Penghimpunan Dana Pihak Ketiga Bank Syariah Sebelum dan Sesudah Kebijakan Tax Amnesty
Authors: Johan Tk. Umar , Muslikhati Muslikhati
Published: July 2018

This study aims to reveal the comparison of Third Party Funds (DPK) of sharia bank as Bank Perception Tax Amnesty policy in 2016.This study used a comparative quantitative approach with the subject of research is the Third Party Funds of sharia bank the receiver of Tax Amnesty funds in 2016. The selection of DPK as a research setting based on the existence of funds for bank is vital for business continuity, because without sufficient funds the bank will not be function properly. The determination of samples was decided by Ministry of Economic in Republic Indonesia No.600/KMK.03/2016, so the sample of this research compare within 3 banks, those are; Bank Muamalat Indonesia, Bank Negara Indonesia Syariah, and Bank Syariah Mandiri. The test equipment used Paired Sample T-Test assisted software SPSS 21. The result of Paired Sample T-Test founded that there was α  P value t equal to 0,000 or< 0,05, means a significant difference of DPK accumulation before and after Tax Amnesty policy in 2016. The average of DPK sharia bank before Tax Amnesty policy accumulated Rp 124,1 Trillion and increased Rp 132,9 Trillion after Tax Amnesty policy.
Uji aktivitas antijamur ekstrak etanol eleutherine americana. merr. terhadap trichophyton tonsurans secara in vitro
Authors: Sulistyawati Ledi RN , Natalia Diana , Mahyarudin Mahyarudin
Published: July 2018

Dermatofitosis adalah infeksi pada epidermis kulit, rambut dan kuku disebabkan oleh jamur dermatofita. Salah satu spesies dermatofita yang tersebar di seluruh dunia yaitu Trichophyton tonsurans. Eleutherine americana. Merr. dipercaya memiliki kemampuan untuk mengobati penyakit kulit. Tujuan: Penelitian ini bertujuan untuk menganalisis senyawa metabolit sekunder yang terdapat pada ekstrak etanol umbi bawang Dayak dan mengetahui aktivitas anti jamur ekstrak etanol umbi bawang Dayak terhadap pertumbuhan Trichophyton tonsurans. Metode: Ekstraksi umbi bawang Dayak menggunakan metode maserasi dengan etanol 96% sebagai pelarut. Analisis metabolit sekunder ekstrak etanol umbi bawang Dayak menggunakan metode kromatografi lapis tipis. Uji aktivitas anti jamur ekstrak etanol umbi bawang Dayak pada penelitian ini menggunakan metode difusi cakram Kirby-Bauer. Variasi konsentrasi ekstrak etanol umbi bawang Dayak 60%, 30%, 15%, 7,5% dan 3,75%. Kontrol positif yang digunakan adalah itrakonazol 8 µg/disk sedangkan kontrol negatif yang digunakan Tween-80 10%. Hasil: Analisis senyawa metabolit sekunder pada ekstrak etanol umbi bawang Dayak didapatkan kuinon, alkaloid, flavonoid, saponin, tanin, steroid dan triterpenoid. Ekstrak etanol umbi bawang Dayak tidak membentuk zona hambat terhadap Trichophyton tonsurans. Kesimpulan: Ekstrak etanol umbi bawang Dayak tidak memiliki aktivitas anti jamur terhadap Trichophyton tonsurans.
Design inclusivo: processo de desenvolvimento de prancha de comunicação alternativa e aumentativa para crianças com transtorno do espectro do autismo utilizando realidade aumentada
Authors: Rosa Valéria Ilsa , Silva Régio Pierre da , Aymone José Luís Farinatti
Published: July 2018

Durante muitos anos, diversas pesquisas na área de Design no Brasil, constataram limitados investimentos no desenvolvimento de produtos para auxiliar as pessoas com deficiência. Diante disso, esta tese teve por objetivo propor uma nova abordagem para os equipamentos de auxílio à comunicação de crianças com Transtorno do Espectro do Autismo (TEA), por meio do Design e da Realidade Aumentada (RA). Como métodos foram realizados estudos de caso, pesquisas bibliográficas, por internet e observação de crianças com TEA, no contexto da Associação de Pais e Amigos do Autista da cidade de Florianópolis, para embasar a proposta de projeto de Prancha de Comunicação Alternativa e Aumentativa. A proposta resultante teve como base comum o produto prancha de comunicação que foi utilizada com aplicativo disponível no mercado. Nesta prancha de base o usuário pode apontar para a ficha de comunicação de modo estável comandando o movimento da tela do dispositivo móvel e assim surge o vídeo que estabelece a comunicação dizendo o que a criança realmente deseja. Evidenciam-se assim, os elementos indicadores de que a solução proposta apresenta vantagens em relação a algumas pranchas atualmente existentes e que pode contribuir para facilitar a comunicação e a interação não só das crianças com TEA, mas também de outras crianças com essa limitação.
Democracia digital: consultas públicas interativas
Authors: Meireles Adriana Veloso , Silva Tiago Barros Pontes e , Camara Rogerio José
Published: July 2018

Apresenta-se neste artigo uma síntese da análise de consultas públicas interativas realizadas online a partir do Marco Civil da Internet. O trabalho investiga plataformas de participação social, mediadas pela tecnologia, que surgem como ferramentas para a promoção de diálogo entre governo e cidadãos. O objetivo geral da pesquisa é identificar variáveis relevantes na elaboração de ambientes digitais de participação social a partir de uma investigação acerca das consultas públicas interativas já realizadas no Brasil. Para destacar elementos que devem ser levados em conta ao elaborar ambientes de participação social, foram realizadas entrevistas com gestores de consultas interativas. Em seguida, foi realizada uma avaliação de inspeção, que consistiu em um mapeamento com análise documental deste tipo de iniciativa com o recorte do Governo Federal Brasileiro. De forma a complementar a investigação realizou-se um teste da interface, que envolveu pessoas interagindo com sistemas de consulta e sua análise a partir do método de avaliação de comunicabilidade, compreendido como a capacidade do designer de transmitir às pessoas, por meio da interface, o design tal como foi concebido. Para verificar a percepção das pessoas com relação à interface e estrutura de interação de consultas promovidas pelo Governo Federal, optou-se por realizar testes com usuários. Assim, ao longo deste trabalho foram agregados diversos pontos de vista sobre a promoção de consultas públicas interativas no Brasil. Com isso, foi possível elaborar recomendações para a promoção de consultas interativas, que agregaram diversas dimensões, desde a estratégia de promoção e divulgação até os prazos.
Modelagem sob medida: parametrização do traçado de moldes básicos para calça feminina
Authors: Sapper Stella Lisboa , Teixeira Fábio Gonçalves , Costa Thays Neves
Published: July 2018

O processo de modelagem é uma etapa fundamental no desenvolvimento de produtos de vestuário. Nesse processo, é necessário o desenvolvimento de moldes básicos, que servirão como base para a interpretação de diferentes modelos. O objetivo deste artigo é apresentar o processo de automatização do traçado de moldes básicos para a construção de calça feminina. Para tanto, foi utilizado o programa de modelagem paramétrica Grasshopper, que é um plugin do software Rhinoceros. Esse sistema permite a parametrização de formas, de maneira que possibilite a adaptação de medidas da geometria criada. Para o desenvolvimento do traçado dos moldes básicos da calça feminina, foram utilizadas as etapas indicadas no método de modelagem do vestuário proposto por Romero (1995). O processo de elaboração do traçado no Grasshopper utiliza operações matemáticas e ferramentas para o desenho de pontos, retas e curvas. Com a automatização do traçado de moldes básicos, é possível adaptar parâmetros de acordo com a tabela de medidas de empresas ou clientes individuais. Essa adaptação também auxilia na criação de diversos modelos sob medida, como outros tipos de calça, bermudas e shorts, que podem ser interpretados por meio da modelagem básica da calça. Em uma análise comparativa com o método tradicional, os moldes gerados no Grasshopper obtiveram alta fidelidade em comparação ao traçado realizado manualmente, o que possibilita o desenvolvimento dos moldes sem perda de qualidade. Nesse contexto, este projeto também visa colaborar para a construção de um conjunto de moldes básicos que apoie o desenvolvimento de roupas sob medida.
Seroepidemiology of CCHF in Domestic Animals in Endemic Areas in Albania
Authors: Kadriaj Përparim , Dhimolea-Kota Majlinda , Velo Enkelejda , Mersini Kujtim , Simaku Artan , Berxholi Kristaq , Bino Silva
Published: July 2018

Crimean-Congo hemorrhagic fever (CCHF) is an arboviral zoonotic infection wich is endemic in some areas of the country. The aim of this study was to assess the seroprevalence of CCHFV in previous and recent endemic areas of the country. This crosssectional serologic study was conducted in period 2010-2014 by the Institute of Public health in Tirana, Albania. The survey included 152 sera specimen of cattle which were randomly collected from seven districts in Albania over the period 2010-2014. All samples were collected randomly from seven districts in Albania and were examined for anti-CCHFV IgG. Of the total of 152 samples examined, 102 (67.1%) were positive to IgG ELISA. The highest positivity rate was among cows (88.3%) and in recent endemic areas of Has and Kukes, 89.7% and 82.9% respectively. In recent endemic areas humans can potentially contract the disease as compared to other areas of the country.
Europeanization through Migration Policies: Legislative Comparison between Civil Law Systems and Common Law Systems
Authors: Hasanaj Shkelzen
Published: July 2018

Within the European Union there are several states that have implemented laws, often following different paradigms, to cope not only with the increase in migratory flows, but also to foster the integration and participation of the migrants themselves in socio-political and economic life. In recent decades, immigration into Europe has become a matter of primary and strategic importance for the definition of both internal policies and the external relations of the Union. The progressive settlement of substantial national and ethnic groups poses important economic, social and cultural challenges, to which the policies implemented have so far only partially responded. Guiding concepts like integration, assimilation and respect for diversity still struggle to find an adequate realization in the reception policies of the European states. In this regard, a real revolution in this area was the realization of the “common basic principles” of 2004, which made member states become aware of the respect for fundamental rights, non-discrimination and equal opportunities for all (Niessen,. Schibel, 2007), and it later became a mere “Common agenda for Integration”. In this context, we can recall the decision of the Council and of the European Parliament n.1983 / 2006 which proclaimed 2008 as the European Year of Intercultural Dialogue. With this research, we intend to analyze the regulations concerning the migration of European governments and how they have changed over time, paying particular attention to the activation of inclusion strategies in some European Union countries; at the same time, we intend to find a strategy for a possible cooperation in the management of migratory processes. The integration regulations launched in Italy, Germany, France and the United Kingdom will be examined from the 1940s to 2015 and a comparative study will be conducted between the Community policies and the policies of four countries chosen to highlight common features and divergences.
Exploring Traditional Weaning practices in North Western Nigeria; Food, Knowledge and Culture: A Step towards Safeguarding Community Food Security
Authors: Oloko Majing , Ekpo Regina
Published: July 2018

For many women in Nigeria who practice exclusive breast feeding, the weaning period is a crucial time. This is when children are introduced to solid food and such dietary change can be challenging for them, but also for care givers who are saddled with the responsibility of providing sufficient and nutritious food that would support healthy development. At this period, many women in rural communities utilize traditional foods of various kinds as weaning food. This paper highlights traditional food used by care givers in Makarfi Local Government Area (LGA) during weaning and the cultural teachings attached to weaning practices. Semi-structured interviews were conducted for 60 women who were purposefully selected from the ten districts in Makarfi LGA in Kaduna state, Nigeria because of their status as care givers. Results show that 95% of the participants derive their knowledge about foods used for weaning through cultural teachings that has been passed down through generations, while 5% got information from health practitioners. Some of the traditional foods used for weaning purposes include gyeda (Arachis hypoaea) and gero (Sorghum bicolar). This study reinforces the importance of traditional food and knowledge; and the need to take into consideration cultural practices when making food security policies.
Laboratory evaluation of entomopathogenic fungi as biological control agents against the bark beetle Pityogenes scitus Blandford (Coleoptera: Curculionidae) in Kashmir
Authors: Khanday Abdul L. , Buhroo Abdul A. , Ranjith Avunjikkattu P. , Mazur Sławomir
Published: July 2018

The bark beetles (Coleoptera: Curculionidae) are widely recognised as one of the most damaging group of forest pests. Entomopathogenic fungi have shown great potential for the management of some bark beetle species. The efficacy of three entomopathogenic fungi, namely, Beauveria bassiana (Balsamo) Vuillemin, Metarhizium anisopliae sensu lato (Metchnikoff) Sorokin and Lecanicillium lecanii (Zimmerman) Zare and Gams was tested against the bark beetle Pityogenes scitus Blandford under the laboratory conditions. An insecticide – cyclone 505 EC, was also used as positive control in the experiment. Each fungal suspension contained 1.0×109 spores of fungi in 1 ml. In treated branches, B. bassiana and M. anisopliae caused higher percentage of mortalities, that is, 58.33% and 48%, respectively, after 10 days of treatment and 85% and 71%, respectively, after 20 days of treatment. In petri plate assay, B. bassiana, M. anisopliae and L. lecanii caused 100%, 100% and 73.33% of mortality respectively. The percentage of mortality caused by treated insecticide was 79.16%. The results obtained in the present study are promising; however, no recommendations concerning the potential use of these fungal pathogens in forest protection can be given, and further research studies are needed in this respect, especially under field conditions.