bluuebunny/crossref_metadata_2025 huggingface dataset:
FEASIBILITY ANALYSIS OF SMALL MEDIUM ENTERPRISES (MSMEs) IN MANDAILING NATAL REGENCY IN ACCESSING FINANCING IN SHARIA BANK
Authors: Suci Suci , Siregar Fatahuddin , Batubara Sarmiana , Lestari Sry
Published: February 2022

The background of this research is Micro, Small and Medium Enterprises (MSMEs), which are productive businesses owned by individuals or private business entities, also called populist businesses, which currently receive attention and privileges mandated by law, including business credit assistance with low interest, ease of business permit requirements, business development assistance from government agencies, and several other facilities. No exception in Mandailing Natal Regency, which on average has a Micro, Small and Medium Enterprises (MSMEs). Lack of a good management system and capital that causes the failure of Micro, Small and Medium Enterprises (MSMEs) in Mandailing Natal Regency. The analysis is used to determine whether Micro, Small and Medium Enterprises (MSMEs) are eligible in obtaining financing from Bank Syariah Mandiri KCP Panyabungan. This research is a descriptive qualitative research. Data collection techniques in this study were interviews, observation, and documentation. The research subjects in this study consisted of First Informants namely SMEs and Secondary Informants namely Bank Mandiri Sharia Panyabungan KCP. The results of the study can be seen that the micro financing of Bank Syari'ah Mandiri is an alternative financing product from Bank Syari'ah Mandiri which is intended for MSME entrepreneurs (Micro, Small and Medium Enterprises). Analysis of the feasibility of micro financing of the Syari'ah Bank Mandiri Panyabungan Sub-Branch Office to prospective customers is that the submission must meet the requirements: Character, Capacity, Capital, Collateral, Condition (5C) and the conditions that must be met by the SMEs. In accessing financing in Islamic banks is very influential because there must be requirements that must be completed so that the disbursement of financing for Micro, Small and Medium Enterprises (MSMEs) can be resolved as soon as possible and can be accepted by the bank.
EFFECT OF RESULTS AND INFLATION ON THIRD PARTY FUNDS IN SHARIA COMMERCIAL BANKS AND SHARIA BUSINESS UNITS INFLUENCE OF RESULTS AND INFLATION ON THIRD PARTY FUNDS IN SHARIA COMMERCIAL BANKS AND SHARIA BUSINESS UNITS
Authors: Yani Rizka , Hamid Azwar , Aini Ihdi , Efendi Sulaiman
Published: February 2022

Third-party funds are fund collectors in the banking sector. Third party funds include current accounts, savings and deposits collected from the community. Third party funds always experience an increase but are not followed by revenue sharing and inflation that has fluctuated. The formulation of the problem in this study is whether the profit sharing and inflation have a partial and simultaneous effect on Third Party Funds in Sharia Commercial Banks and Sharia Business Units. The purpose of this study was to determine how much the effect of profit sharing and inflation on Third Party Funds in Sharia Commercial Banks and Sharia Business Units. The discussion in this study relates to Islamic banking and macroeconomics. The approach taken in this study relates to theories relating to revenue sharing, inflation and Third Party Funds. This research is a quantitative study, the source of the data is secondary with a series of times series of 72 samples. Data collection techniques are documentation and literature. Normality Test, Normality Test, Classical Assumption Test which includes Multicollinearity Test, Autocorrelation Test, Heteroscedasticity Test, Hypothesis Test which includes Partial Significant Test (tTest), Simultaneous Regression Coefficient Test (Ftest), Determination Coefficient Test, Multiple Linear Analysis. The results of this study indicate that partially the shares have -ttest ttable (-2.725 -1.667) which means that the results have a significant negative effect on DPK. And inflation has -ttest -ttable (-4,852 -1,667) which means that inflation has a significant negative effect on Third Party Funds. And profit sharing and inflation simultaneously affect the Third Party Fund. This is evidenced by the value of Fcount Ftable (48.966 3.13). R2 shows that the percentage of contribution of the influence of independent variables on the dependent variable is 58.7% and the remaining 41.3% is influenced or or explained by other variables not included in this research model.
Effect Of Service Quality And Employee Performance On Customer Satisfaction at PT. Pawnshop Pinang City Sharia Service Unit
Authors: Pratiwi Aisyah , Isa Muhammad , Hardana Ali , Efendi Sulaiman
Published: February 2022

Customer satisfaction is a level where the needs, desires and expectations can be met. This research is motivated by the lack of services provided by employees to customers so that there are some customers who are not satisfied. Inadequate employee performance so that there are multiple roles in carrying out tasks and become less than optimal. This study aims to determine the effect of service quality and employee performance at PT. Pawnshops of the Syariah Service Unit of the City of Pinang. The theories that support this research consist of understanding customer satisfaction, methods for measuring customer satisfaction, strategies to increase satisfaction, factors that affect satisfaction, understanding service quality, dimensions of service quality, understanding performance, employee performance indicators, factors that affect employee performance. The method used in this research is quantitative. Data collection techniques using a questionnaire.Sampling in this study using incidental sampling with a sample of 96 people. The tests used include descriptive analysis, instrument testing (validity test, reliability test), classical assumption test (normality test, multicollinearity test, autocorrelation test, heteroscedasticity test), hypothesis testing (R2 test, t test, F test), multiple linear regression analysis , assisted by the SPSS 23 program. The results of the partial study indicate that the service quality variable has a positive effect on customer satisfaction. Employee performance variable has no positive effect on customer satisfaction. Meanwhile, simultaneously the variables of service quality and employee performance have a positive effect on customer satisfaction. While the coefficient of determination (R2) test is obtained a value of 0,407 or 40,7%, this shows that the quality of service and employee performance on customer satisfaction is 40,7% .While the remaining 59,3% is influenced by other variables not included in this study.
Determinants of Community Interest in Batang Toru District Using Cicil Gold Products at PT. Bank Sharia Mandiri Kcp Batang Toru
Authors: Purnama Ika , Nofinawati Nofinawati , Batubara Sarmiana , Alfadri Ferri
Published: February 2022

The lack of interest of the people of Batang Toru District in using gold installment products. The increase in gold prices makes some people tend to want to own gold. This causes people's interest to own gold to also increase. Gold installment products attract people's attention to own gold. However, what happened to the people of Batang Toru Subdistrict they felt burdened with the down payment given by the bank to the community, which was 20%, so that the community preferred to pay in installments for gold in a conventional way compared to sharia. The purpose of this study is to determine whether promotion, price, and service quality affect the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. The theory used in this research is public interest, promotion theory, price, service quality. This study is a quantitative study using multiple regression analysis, data collection techniques using a questionnaire with a sample of 100 people in Batang Toru District. The sampling technique is incidental sampling. Data processing was carried out with SPSS version 23. The results of the analysis carried out by researchers, the results of the partial study (t test) showed that promotion had an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. Price has an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. And the quality of service has an effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru. Judging by the promotion F test, price and quality of service have a simultaneous effect on the interest of the people of Batang Toru District using gold installment products at PT. Bank Syariah Mandiri KCP Batang Toru.
The Use Of E-Muamalat Facilities In Attracting Customer Interest IN PT. Bank Muamalat Indonesia TBK. KCP Panyabungan
Authors: Misbah Misbah , Gautama Budi , Wandisyah Muhammad , Muhammad Samsuddin
Published: February 2022

Banking service facilities using information technology are called Electronic Muamalat. With advances in information technology, customers can make transactions from anywhere and anytime quickly and easily, so as to further increase the volume of transactions that occur at a bank. However, only some of the customers of Bank Muamalat Indonesia Tbk. KCP. Panyabungan that uses E-Muamalat. The purpose of this study is to find out how customers perceive E-Muamalat and the factors that cause customers to use E-Muamalat at PT. Bank Muamalat Indonesia Tbk. KCP Panyabungan. Theories used in this study include Definition of Interests, Banking Services, Technology Banking Services, Electronic Banking, Banking History, Types of Electronic Transactions and Products at PT. Bank Muamalat Indonesia Tbk. Panyabungan KCP. This research is field research using a qualitative approach with data collection techniques using the Interview, Documentation, Observation method, while the data sources used are primary and secondary. Based on the results of research that has been carried out by researchers, it can be seen that customer perceptions of E-Muamalat are very practical, super-fast, and accurate without having to come to the office when they want to transact, besides that the factors that cause customers to use E-Muamalat because they don't want to miss out on electronic-based banking products. Banking.
Urgensi Halal Tourism Makam Sunan Kudus Untuk Pertumbuhan Ekonomi Masyarakat
Authors: Cahya Bayu Tri , Waluyo Waluyo , Andriasari Widi Savitri , Rubiana Putri
Published: February 2022

Abstrak, Kota Kudus adalah salah satu wilayah keagamaan, dengan dua makam antara sembilan Wali Sanga di Indonesia, makam Sunan Kudus dan makam Sunan Muria. Namun yang lebih fokus pada peneliti ini adalah makam Sunan Kudus yang sering dikunjungi oleh para peziarah dan terletak di kota. Tujuan dari ulasan artikel ini adalah untuk mengungkap peran wisata religi di tempat suci sunan dan dampaknya terhadap pertumbuhan ekonomi masyarakat sekitar. Penelitian ini menggunakan pendekatan fenomenologis, dalam konteks penelitian kualitatif. Dari hasil penelitian tersebut membuktikan bahwa keberadaan objek wisata religius memiliki pengaruh yang sangat besar dalam pengembangan bisnis untuk meningkatkan pertumbuhan ekonomi masyarakat dan meningkatkan pendapatan atau pendapatan jika pada hari-hari tertentu, serta dampak lainnya pada kehidupan masyarakat adalah terciptanya lapangan kerja. bagi penghuni di sekitar objek wisata dan tempat wisata outdoor baik untuk keluarga maupun orang lain.  Abstract, Kudus City is a religious area, with two tombs between nine WaliSanga in Indonesia, the tomb of Sunan Kudus and the tomb of SunanMuria. But what is more focused on this researcher is the tomb of Sunan Kudus which is often visited by pilgrims and is located in the city. The purpose of this review article is to reveal the role of religious tourism in the Sunan shrine and its impact on the economic growth of the surrounding community. This research uses a phenomenological approach, in the context of qualitative research. From the results of these studies prove that the existence of religious tourism objects has a very big influence in business development to increase community economic growth and increase income or income if on certain days, as well as other impacts on people's lives is the creation of employment opportunities. for residents around attractions and outdoor attractions both for families and others.
The Effectiveness Of Batubara's Consumers Disputes Resolution Agency In Consumers Disputes Resolution
Authors: Harahap Purnama Hidayah
Published: February 2022

AbstractThe mismatch between consumers and producers can cause large potential disputes.The disputes can be resolved outside of the court through the Consumers Disputes Settlement Agency in accordance with Law No. 8 of 1999 concerning consumers protections. The qualitative descriptive method used in this study aims to examine the status of human groups, circumstances or conditions that are not manipulated or normal and natural. The purpose of this research is to find out the obstacles of BPSK in implementing UUPK and investigate the necessary coordination procedures. The results of the study found that the obstacles that hamper BPSK's performance in providing consumers rights protection in accordance with their duties and authority are the quality of human resources, human resources competence where almost 50% of BPSK workers were non-law majors, small funding factors, the lack of assets and knowledge of the community and other institutions about BPSK.  AbstrakKetidakselarasan antara konsumen dan pelaku bisnis dapat menyebabkan potensi sengketa yang sangat besar. Dalam hal ini perselisihan dapat diselesaikan di luar pengadilan yaitu oleh Badan Penyelesaian Sengketa Konsumen menurut UndangUndang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen. Metode deskriptif kualitatif digunakan dalam penelitian ini bertujuan untuk memeriksa status kelompok manusia, keadaan atau kondisi yang tidak dimanipulasi atau normal dan alami. Tujuan penelitian ini untuk mengetahui hambatan BPSK dalam mengimplementasikan UUPK, menyelidiki prosedur koordinasi yang diperlukan. Hasil penelitian ditemukan bahwa kendala yang menjadi penghambat kinerja BPSK dalam memberikan perlindungan hak-hak konsumen sesuai dengan tugas dan wewenangnya adalah kualitas sumber daya manusia, Kompetensi perangkat hampir 50% staf memiliki pendidikan sarjana non-hukum, faktor pembiayaan atau alokasi anggaran yang kecil dan kurangnya aset. kurangnya pengetahuan masyarakat dan lembaga lain tentang BPSK.
Strategi Pemberdayaan Ekonomi Mustahiq Melalui Pendistribusian Zakat Produktif
Authors: Zein Aliman Syahuri
Published: February 2022

Abstract Zakat is an instrument of fiscal policy that is very strategic to develop a society's economy. This is supported by  the  majority of Indonesian Muslims who are estimated to be able to pay zakat. The potential for zakat in Indonesia is reaching 6.5 trillion per year. This potential should be able to reduce poverty if it can be managed properly. The concept of mustahiq economic empowerment carried out by the Mandailing Natal District Baznas is limited to controlling the business, Controlling is done indirectly. Constraints faced by Baznas Mandailing Natal in mustahiq economic empowerment include; Baznas officers are limited, mustahiq lives far away, making it difficult to reach, mustahiq misuse the zakat funds received, so it is not in accordance with the proposed. The right strategy carried out by Baznas Mandailing Natal for future economic empowerment mustahiq, among others: a) change the pattern of productive zakat distribution from traditional to more modern, b) apply the 5C principle to assess the character of the mustahiq candidates, c) make maximum assistance to the business mustahiq.  Abstrak Zakat merupakan instrumen kebijakan fiskal yang sangat strategis untuk pembangunan ekonomi masyarakat. Hal ini didukung oleh jumlah mayoritas ummat Islam Indonesia yang diperkirakan mampu membayar zakat, namun belum menunaikannya karena berbagai alasan. Potensi zakat di Indonesia cukup tinggi, mencapai 6,5 trilyun per tahun. Potensi ini seharusnya mampu mengurangi angka kemiskinan jika dapat dikelola dengan tepat. Konsep pengelolan zakat produktif yang dilakukan Baznas Kabupaten Mandailing Natal masih tergolong tradisional. Artinya baru hanya melibatkan pihak Baznas dan mustahiq. Konsep pemberdayaan ekonomi mustahiq yang dilakukan Baznas Kabupaten Mandailing Natal hanya sebatas controlling usaha. Controlling ini dilakukan secara tidak langsung, biasanya melalui telepon. Kegiatan controlling ini dilakukan dengan tidak terjadwal. Kendala yang dihadapi Baznas Mandailing Natal dalam pemberdayaan ekonomi mustahiq antara lain; SDM (petugas) Baznas yang terbatas, tempat tinggal mustahiq  jauh, mustahiq menyalahgunakan dana zakat yang diterima,  Strategi yang tepat dilakukan oleh Baznas Mandailing Natal untuk pemberdayaan ekonomi mustahiq ke depan, antara lain: a) merubah pola distribusi zakat produktif dari tradisional menjadi lebih modern, b)menerapkan prinsip 5C untuk menilai karakter calon mustahiq, c)melakukan pendampingan secara maksimal terhadap usaha mustahiq.
Why Do Palangka Raya Muslim Societies Patronize Islamic Banks?
Authors: Aviva Itsla Yunisva , Cahyani Utari Evy , Siregar Rizal Ma’ruf Amidy
Published: February 2022

Abstract The purpose of this paper is to investigate the constructs of Planned Behavior Theory in selection criteria for Islamic banks employed by Palangka Raya Muslim societies. This is survey based-study conducted on the primary data collected through structured questionnaire. Data are gathered from 124 customers of Islamic banks in Palangka Raya. This research uses multiple regression with attitude, subjective norm, and perceived behavioral control as independent variables. The results reveal that attitude and perceived behavioral control has a positive influence on intention to patronize Islamic banks in Palangka Raya. While subjective norms have no influence. This study implies that Islamic banks in Palangka Raya should be more active in portraying themselves in good image of the Islamic banking practice. Establishing a good image plays significant role in determining the attitude of the customers about Islamic banking services. Islamic banks must provide the best experience to customers to be more loyal.AbstrakTujuan dari makalah ini adalah untuk mengetahui konstruksi teori perilaku yang direncanakan dalam kriteria pemilihan bank syariah pada masyarakat Muslim Palangka Raya. Studi ini berbasis survei yang dilakukan terhadap data primer yang dikumpulkan melalui kuesioner terstruktur. Data dikumpulkan dari 124 nasabah bank syariah di Palangka Raya. Penelitian ini menggunakan regresi berganda dengan variabel sikap, norma subjektif, dan kontrol perilaku yang dipersepsikan sebagai variabel bebas. Hasil penelitian menunjukkan bahwa attitude dan perceived behavioral control berpengaruh positif terhadap niat untuk menggandeng bank syariah di Palangka Raya. Sedangkan norma subjektif tidak berpengaruh. Penelitian ini mengimplikasikan bahwa bank syariah di Palangka Raya harus lebih aktif dalam menampilkan citra diri yang baik dalam praktik perbankan syariah. Membangun citra yang baik berperan penting dalam menentukan sikap nasabah terhadap layanan perbankan syariah. Bank syariah harus memberikan pengalaman terbaik kepada nasabah agar lebih loyal.
The Practice Of Giving Bonus To Wadi’ah Current Accounts At Bank Sharia In Palangka Raya From A Sharia Economic Perspective
Authors: Jamilah Jamilah , Sukmana Enriko Tedja , Hafizi Muhammad Riza
Published: February 2022

Abstrak  Produk giro Bank Syariah Mandiri Cabang Palangka Raya mengunakan akad wadi’ah. BSM memberikan keuntungan berupa bonus setiap bulannya kepada nasabah giro sebagaimana yang tertera pada laman website BSM yaitu “bonus bulanan yang diberikan sesuai dengan kebijakan”. Penelitian ini bertujuan untuk mengetahui praktik pemberian bonus pada produk giro wadi’ah di BSM Cabang Palangka Raya ditinjau dalam perspektif ekonomi Islam. Penelitian ini merupakan penelitian lapangan dengan metode kualitatif. Hasil penelitian menunjukkan bahwa praktik pemberian bonus pada produk giro wadi’ah telah sesuai dengan perspektif ekonomi Islam. Pertama, bonus tidak diperjanjikan dalam akad, Bonus diberikan tergantung keuntungan yang diperoleh bank setiap bulannya disertai kebijakan. Kedua, pernyataan pemberian bonus melalui laman website BSM merupakan salah satu bentuk promosi yang dapat dibenarkan, hanya saja jika pemberian bonus menjadi bagian dari persyaratan yang dapat mengarahkan pada riba dan akan menjadi kelaziman karena terus menerus dilakukan, maka pemberian bonus tersebut dapat menjadi kesalahan yang perlu ditelaah ulang. Kata kunci: Bonus, Giro Wadi’ah, Bank Syariah,  Ekonomi Islam Abstract The wadi'ah yad dhamanah contract that is applied to current accounts at the Palangka Raya Branch of Bank Syariah Mandiri, is basically a wadi'ah  contract, which theoretically does not allow the recipient of the deposit (bank) to declare the previous reward or benefit to the wadi'ah account holder (customer). BSM Palangka Raya Branch provides benefits in the form of bonus every month to current accounts as previously stated on the BSM website, namely "monthly bonus given in accordance with BSM policies". Bonus are given based on BSM policies. Second, the statement of giving bonus through the BSM website is a form of promotion can be justified, it's just that if bonus are part of the requirements that can lead to the practice of hidden usury and will become the norm because it is continuously being done, then giving this bonus can be a mistake which should be reviewed by BSM.
The Role Of Leading Sector Labor On The GRDP Of North Sumatera Province
Authors: Nasution Hamni Fadlilah , Matondang Zulaika , Nasution Khoiriyah , Nasution Dita Wahyuni
Published: February 2022

Abstrak Lahan pertanian yang luas membutuhkan tenaga kerja yang banyak disektor pertanian untuk meningkatkan produktivitas di sector pertanian sehingga mampu menjadi sector unggulan penopang PDRB di Provinsi Sumatera Utara, permasalahannya sector pertanian di Provinsi Sumatera Utara memiliki luas lahan terbesar namun tidak menjadi penyerap tenaga kerja terbanyak. Sehingga penelitian ini bertujuan untuk menganalisis peran tenaga kerja sector unggulan terhadap PDRB Provinsi Sumatera Utara. Jenis penelitian ini adalah kunatitatif dengan menggunakan analisis regresi data panel atau pooled data dengan menggunakan software Eviews-9. Hasil dari penelitian ini menjelaskan bahwa tenaga kerja sector unggulan berpengaruh terhadap PDRB Provinsi Sumatera Utara.  Abstract Extensive agricultural land requires a lot of labor in the agricultural sector to increase productivity in the agricultural sector so that it can become a leading sector to support GRDP in North Sumatra Province, the problem is that the agricultural sector in North Sumatra Province has the largest land area but is not the largest employer of labor. So this study aims to analyze the role of the leading sector workforce on the GRDP of North Sumatra Province. This type of research is qualitative using panel data regression analysis or pooled data using Eviews-9 software. The results of this study explain that the leading sector workforce has an effect on the GRDP of North Sumatra Province.
Analysis Of Public Perceptions Of Islamic Financial Technology Financing And Islamic Bank Financing In Indonesia
Authors: Pratiwi Cindi Husna , Soemitra Andri , Harahap Muhammad Ikhsan
Published: February 2022

Abstrak Tujuan penelitian ini untuk menganalisis persepsi masyarakat terhadap Fintech Peer to Peer (P2P) Islamic Lending dan pembiayaan BUS di Indonesia. Beberapa aspek yang dianalisis terkait persepsi masyarakat terhadap pembiayaan yang dilakukan pada P2P Islamic Lending dan pembiayaan antara lain: pengembangan, akad dan produk pembiayaan, mekanisme pembiayaan, serta total pembiayaan dan aset yang dimiliki. Penelitian ini menggunakan pendekatan kualitatif dengan menggunakan data primer dengan teknik insendental sampling melalui metode wawancara. Hasil penelitian menunjukkan bahwa mayoritas masyarakat yang melakukan pembiayaan baik P2P Islamic Lending maupun Bank Umum Syariah umumnya memahami bahwa pembiayaan pada Fintech Peer to Peer (P2P) Islamic Lending berbeda dengan pembiayaan yang dilakukan oleh Bank Umum Syariah. Secara persentase peningkatan perkembangan Fintech Peer to Peer Lending Syariah menunjukkan perkembangan yang signifikan, namun secara kumulatif Bank Umum Syariah memberikan kontrak, produk, mekanisme pembiayaan dan jumlah pembiayaan yang lebih variatif. Abstract The intention of this research  is to analyze public perceptions of Fintech Peer to Peer (P2P) Islamic Lending and Commercial Bank financing in Indonesia. As for some aspects that were analyzed related to public perceptions of financing conducted at Fintech P2P Islamic Lending and Commercial Bank financing in Indonesia include: development, contract and financing products, financing mechanisms, and totaly  financing and assets owned. This study uses a qualitative approach using primary data with an insendental sampling technique through the interview method. The results indicate that the majority of people who finance both P2P Islamic Lending and Commercial Banks generally understand that financing related to Fintech P2P Islamic Lending is different from financing done by Islamic Commercial Banks. In percentage the increase in the development of Fintech P2P Lending Islamic shows significant development, but cumulatively the Islamic Commercial Bank provides more varied contracts, products, financing mechanisms and greater amount of financing.
Game Theory And Competitive Strategy Transportasi Online (Grab And Gojek) Conventional And Sharia Economic Perspective
Authors: Hasibuan Muhammad Abdullah Amin
Published: February 2022

ABSTRACKIn this discussion the problem is about game theory and competitive strategies from online transportation, namely Grab and Gojek to get customers amid the progress of information, transportation and communication, so that there will be an understanding of the second strategy of Transfortasi mode in the development activities in Indonesia. The methodology in this discussion is descriptive, which is one type of research whose purpose is to present a complete picture of social settings intended for exploration and clarification of a phenomenon or social reality studied, namely grab strategy and Gojek. After the review, it was found that basically the two Transfortasi online modes compete with each other but still prioritize excellent service in the form of ease of ordering, convenience in vehicles, applying cash and non-cash payments, and the most important is vehicle security. In terms of Islamic economic law the activities carried out by the two modes of Transfortasi are not prohibited because they do not violate the rules in the text and alhadist as long as the people associated with them comply with the rules set by the two service providers.
Prediction of Bankruptcy in Islamic Banking in Indonesia: Modified Altman Z-Score Method Approach
Authors: Surepno Surepno , Swissa Er Melinda
Published: February 2022

Abstract Islamic banking as an entity requires an annual financial performance evaluation to ensure the health and sustainability of the company. This study aims to assess the level of soundness and bankruptcy prediction of Islamic banking using the modified Altman Z-Score analysis method. This study uses a quantitative approach. The sample used is 12 Islamic Commercial Banks in Indonesia. The data used to measure the health and bankruptcy of banks is the financial statements of Islamic commercial banks for the 2017-2019 period. The results show that the health level of 11 Islamic commercial banks is in a safe area position or it can be said that the company is in a healthy condition (not bankrupt) during the 2017-2019 period and 1 Islamic commercial bank, namely Panin Dubai Syariah Bank, is in a cautious position (gray area). ). This is because the 11 Islamic commercial banks have a Z-Score 2.6 and 1 Islamic bank has a Z-Score 1.10 Z2.6.
Determinants Of Millenial Generations Interest In Using Mobile Banking
Authors: Batubara Sarmiana , Aini Ihdi , Agustina Yuli
Published: February 2022

Abstract Mobile banking services issued by the banking world, are aimed at making it easier for customers to make transactions that are supported by mobile phones and internet networks. Even so, there are still many customers who have not used mobile banking, especially Islamic mobile banking, including those from the millennial generation who should be more receptive to change and the millennial generation is more technology literate and easy to master technology. In the economic activities of the millennial generation, many transactions are online, starting from shopping on the marketplace, social media and other electronic media. This study aims to determine the factors that influence the interest of the millennial generation in using mobile banking at Islamic banks. This research is a quantitative research. The data source used is primary data. The data collection techniques used were interviews and questionnaires. Respondents in this study were the millennial generation as many as 93 people. The results of this study are that there are several factors that influence the interest of the millennial generation in using Islamic bank mobile banking, namely the factors of convenience, benefits, trust and risk. Based on the results of data analysis that has been carried out, the factors of convenience, benefits, trust and risk have an effect on the interest of the millennial generation in using mobile banking at Islamic banks both partially and simultaneously.
The Transformation of Educational Management in the Disruption Era
Authors: Herman Herman
Published: February 2022

This article describes the transformation of educational management in the disruption era. It could encourage school’s staff and other stakeholders to make improvements, changes, and innovations from traditional or manual systems to digitalization systems such as the MOOC (Massive Open Online Course) application and AI (Artificial Intelligence) which could create convenience, relief, and acceleration of improving the quality of educational program. This study used qualitative method with descriptive approach through library research. The writing technique was carried out through several stages started from the data collection stage to data processing and analysis stage that was considered relevant and had relationship with the problems of the study. Based on the result, it shows that the transformation of educational management in the disruption era includes: 1) transforming educational management that is centered on the achievement of service quality and graduates, 2) leadership which has vision and mission that create concrete and transparent policies, 3) organizing the human resources who are capable of making improvements, changes and innovations, and 4) building a work culture that produces and generates the indicators of performance.
Parameter Transformasi Kurikulum Dayah Salafiyah di Aceh
Authors: ZA Tabrani , Idris Saifullah , Murziqin Ramzi , Riza Syahrul , Khafidah Wahyu
Published: February 2022

This study aims to determine the transformation of the Dayah Salafiyah curriculum in Aceh with the research parameter being Dayah Salafiyah MUDI Mesra Samalanga. This research is a descriptive qualitative research, which studies in depth and holistically with the type of field research and uses socio-phenomenological and humanism approaches. This research is process-oriented, which has natural characteristics as a direct data source. Data were collected through interview, observation, and documentation techniques. The validity of the data was checked by using the method and source triangulation technique. While the data analysis technique used is a qualitative inductive analysis technique. The results showed that the curriculum at Dayah MUDI Mesra Samalanga had several components, including: knowledge content objectives, learning experiences, strategies and evaluations. The components of these goals are divided into several levels, namely national educational goals, institutional goals, curricular goals, and instructional goals. The method and education process consists of three levels, namely: Tajhizi, `Aliyah, and Takhassus. Changes in learning materials that have been made have had a very broad impact on the learning process in Dayah in general. Meanwhile, the transformation of learning methods includes two models, namely adaptation and adoption. In addition, in the process of integrating general material and religious material, Dayah is still looking for a new format that is able to accommodate religious knowledge as well as general knowledge, traditionality as well as modernity.
Dampak Higgs Domino Island dalam Masyarakat (Kajian Dengan Perspektif Sosiologi Hukum)
Authors: Harahap Nasruddin Khalil
Published: February 2022

The era of the Industrial Revolution 4.0 has an impact on overall changes in various sectors. Its development has made every country, both developed and developing countries, to improve and renew each other in their respective countries. The development of technology, so can have both positive and negative impacts. One of the developments is the increasing number of online games, both for transactions and non-transactions. The online game that will be studied is the Higgs Domino Island online game. Users or players can make chip/money transactions belonging to other users or players. This research is a field research using the interview method on users/players of the Higgs Domino Island Online. The hope from this research is that the public understands which games are allowed and which are prohibited in the applicable laws and regulations and the government must limit the games that can be used by every citizen by making regulations
Collaboration In Developing Islamic Micro Finance Institutions (IMFs) Based On Financial Technology
Authors: Barus Elida Elfi
Published: February 2022

In the era of industry 4.0 and the current pandemic, existence of Islamic microfinance institutions, especially sharia cooperatives, have fallen with many obstacles. Therefore, various capital innovations with Company to Company (C2C) collaboration are needed. This collaboration needs to be supported by an accommodating system, so that its development can provide benefits to users, one of which is influenced by the use of Ammana.id's. this is an Islamic fintech which is also assisted by other actors such as regulators, conceptors, owners, mentors and the community (pentahelix) by analyzing the development strategy of Islamic cooperatives with fintech collaboration with the pentahelix approach by interpretative structural modeling (ISM). This paper found that the elements of actors that are Department of Cooperatives and Small-Medium Enterprises are the key elements so that it needs to focus on developing sharia regulations which are then assisted by academics as conceptors in the development of islamic micro finance institutions. Keyword : Collaboration, Sharia Financial Technology, pentahelix
Upaya Keluarga dalam Perawatan Klien TB Paru dengan Komorbid Diabetes Melitus Di Kota Salatiga
Authors: Tetrapoik Jean Clamentyn , Nugroho Kristiawan Prasetyo Agung , De Fretes Fiane
Published: February 2022

Abstrak

 

Tuberkulosis Paru dalah penyakit infeksius yang ditakuti oleh masyarakat karena sumber penularan yang cepat dari bakteri tahan asam (BTA). BTA adalah suatu basil aerobic tahan asam yang merupakan bakteri yang terdiri dari lapisan lilin dan asam lemak mikolat, lipid yang ada bisa mencapai 60% dari berat dinding sel. Kelompok BTA terdiri dari: Mycobacterium Tuberculosis, Mycobacterium africanum, Mycobacterium bovis dan Mycobacterium Leprae. Keluarga sangat penting untuk dilibatkan secara aktif untuk melakukan pencegahan penularan dalam rumah.Tugas dari keluarga adalah melakukan perawatan bagi anggota keluarga yang sakit dengan mencegah penularan. Penyakit Tb Paru akan semakin lama pengobatannya bila disertai dengan komorbid DM. Keluarga harus membuat pencegahan/ pengobatan lain untuk dapat membuat penderita sembuh dari kedua penyakit tersebut, sehingga tidak memperburuk kondisi penderita. Penelitian ini bertujuan untuk menggambarkan bentuk upaya penanganan dan pencegahan pada klien tuberkulosis paru dengan komorbid DM yang sedang menjalani proses pengobatan di Kota Salatiga. Penelitian menggunakan metode kualitatif dengan mendeskripsikan bagaimana upaya penanganan dan pencegahan dan penanganan Tb Paru yang disertai dengan komorbid DM dapat dilakukan oleh anggota keluarga klien.

 

Abstract

 

Pulmonary tuberculosis is infectious disease of being shunned by the community for its rapid transmission of bacteria is acid resistant ( smear ).Smear is a basil aerobic hold acid which is a bacterium that consists of layers of candles and fatty acids mikolat, lipids that there can be reached 60 % from heavy. cell wallThe group smear consisting of: , mycobacterium tuberculosis mycobacterium africanum, mycobacterium bovis and mycobacterium leprae.Family is very important to actively involved in preventing the contagion in rumah.tugas of the family is being treated for a sick family members by preventing the transmission of.A disease pulmonary tuberculosis will be the longer the treatment if accompanied by komorbid dm. Family had to make prevention / other treatments to make patients recovered from both of these diseases, so as not worsen the condition. sufferersThis study attempts to describe the form of efforts to handle and prevention on the client pulmonary tuberculosis with komorbid dm who is undergoing the process of treatment in the city salatiga.The research uses a qualitative methodology with described how efforts to handle and prevention and handling of pulmonary tuberculosis are accompanied by komorbid dm can be done by family members. clients.
Pengaruh Sikap Higiene Tidur Terhadap Kejadian Insomnia Pada Mahasiswa Universitas Mulawarman
Authors: Putrindashafa Adheya , Rotinsulu Denny J. , Fikriah Ika
Published: February 2022

Insomnia is difficulty starting or maintaining sleep. There are several factors that are considered to be able to trigger and perpetuate insomnia, one of which is the sleep hygiene, which is included in the moderation factor. However, there is some controversy regarding the involvement of insufficient sleep hygiene towards insomnia. This study aims to determine the effect of sleep hygiene attitudes on the incidence of insomnia and a description of the incidence of insomnia and sleep hygiene in Mulawarman University students. The design of this study was observational analytic with a cross-sectional method, which consisted of 140 Mulawarman University students from 14 faculties. The sampling technique used  is consecutive sampling. The data taken is primary data in 14 faculties of Mulawarman University. The research instrument used was the Insomnia Rating Scale questionnaire from the Kelompok Studi Psikiatri Biologi Jakarta and the Sleep Hygiene Index. The results of the study used the Chi-Square test and the Kolmogorov-Smirnov test obtained p value> 0.005. Based on the degree of insomnia, found 65% of respondents suffer from mild insomnia. The frequency of the sexes of women who suffer from insomnia more than men. Based on the degree of sleep hygiene attitudes, it was found that 78.6% of respondents had moderate sleep hygiene attitudes. This study concluded that there was no effect of sleep hygiene attitudes on the incidence of insomnia in Mulawarman University students.
Analisis Efektivitas Biaya Amitriptilin dan Gabapentin pada Pasien Stroke dengan Nyeri Neuropati di Instalasi Rawat Inap RSUD Provinsi NTB Tahun 2017
Authors: Pratiwi Febhi , Puspitasari Candra Eka , Erwinayanti GAP Sri , Widiyastuti Royani
Published: February 2022

Neuropathic pain which is suffered by stroke patients is a pain that occurred because of the damage of the somato sensory system. The first-line therapy of neuropathic pain can be done by using amitriptyline and gabapentin. Both amitriptyline and gabapentin have significant cost-effectiveness differences. This research aims to investigate the cost effectiveness of both amitriptyline and gabapentin through stroke patients who suffered neuropathic pain. The techniques of data collection applied to a total sampling which are 17 samples were collected. The data were retrospective by the year of 2017, meanwhile, the research was conducted from April to July 2019. Clinical evaluation of neuropathic pain is conducted by applying the Wong Baker Pain Rating Scale. Amitriptyline and gabapentin cost effectiveness analysis showed Average Cost-Effectiveness Ratio (ACER) are Rp 45.443,08 and Rp 52.241,52 and Incremental Cost-Effectiveness Ratio (ICER) Rp 72.636,87. Based on the results, Incremental Net Benefit (INB) showed that gabapentin is the most cost-effective than amitrityline with Rp + 59.078,37 score.

 

Keywords: Stroke, neuropathic pain, amitriptyline, gabapentin, cost-effectiveness analysis
Evaluasi Pelaksanaan Konseling di Apotek Etika Farma Brebes berdasarkan PERMENKES RI Nomor 73 Tahun 2016
Authors: Fajarini Hanari , Ludin Apriyanti
Published: February 2022

ABSTRACT

                     Counseling services in pharmacies is an activity that is essential to prevent medication errors. Counseling services intended to allow patients can use the drug correctly . Only this time the role of Pharmacists in counseling services not running optimally. Formulation of the problem of the research is how the implementation of counseling by Pharmacists in Etika Farma Pharmacy, while the aim to evaluate the implementation of counseling by Pharmacists at Etika Farma Pharmacy. The method used in this study is qualitative research that is intended to provide a clear picture of the problems studied or answered to solve the current problems faced in the current situation. This type of research is an evaluation (evaluation study) is done by assessing a program that is being. These results indicate that the implementation of counseling at the Etika Farma Pharmacy has not gone well.

 Key words: Counseling Services, Pharmacies, Pharmaceutical Services Standard

 

 ABSTRAK

 Pelayanan konseling di apotek merupakan kegiatan yang sangat penting untuk mencegah terjadinya medication error. Pelayanan konseling ditujukan agar pasien dapat menggunakan obat secara benar. Hanya saja selama ini pelaksanaan pelayanan konseling belum berjalan maksimal. Metode yang digunakan dalam penelitian ini adalah metode penelitian kualitatif yang  dimaksudkan untuk memberikan gambaran secara jelas mengenai masalah-masalah yang diteliti atau menjawab untuk memecahkan permasalahan yang   sedang dihadapi pada situasi sekarang.  Jenis penelitian ini adalah evaluasi (evaluation study)  yang dilakukan dengan menilai  suatu program yang sedang   dilakukan. Hasil penelitian ini menunjukan bahwa kegiatan konseling diberikan hanya kepada pasien penerima resep. Konseling dilaksanakan oleh apoteker, namun ketika apoteker tidak berada di apotek, konseling dilaksanakan oleh tenaga teknis kefarmasian. Kesulitan dalam melakukan konseling adalah pada saat menyampaikan efek samping obat. Penyampaian tentang efek samping obat harus disampaikan dengan bahasa yang tepat, sehingga tidak membuat pasien merasa khawatir dalam mengkonsumsi obat. Dokumentasi konseling belum dilakukan di apotek Etika Farma, hanya ada dokumentasi resep.

Kata kunci : Konseling, Apotek, Standar Pelayanan Kefarmasian
Hubungan Status Gizi dan Kepatuhan Diet dengan Kualitas Hidup pada Pasien Penyakit Ginjal Kronis yang Menjalani Hemodialisis Rutin di RSUD Abdul Wahab Sjahranie Samarinda
Authors: Bunga Allo Silvanus Giovanny , Aminyoto Meiliati , Retnaningrum Yuliana Rahmah
Published: February 2022

Penyakit ginjal kronis telah menjadi masalah kesehatan dunia yang salah satu penanganannya adalah hemodialisis. Status gizi pada pasien penyakit ginjal kronis yang menjalani hemodialisis adalah hal yang harus diperhatikan, karena pada pasien tersebut sering terjadi malnutrisi dan dapat mempengaruhi kualitas hidupnya. Penelitian ini bertujuan untuk mengetahui hubungan status gizi dengan kualitas hidup pada pasien penyakit ginjal kronis yang menjalani hemodialisis di RSUD Abdul Wahab Sjahranie Samarinda. Penelitian ini merupakan penelitian analitik observasional dengan metode  cross sectional. Metode sampling yang digunakan adalah purposive sampling dengan 50 responden. Data status gizi dan kualitas hidup diperoleh dengan menggunakan kuesioner. Hasil penelitian ini  menunjukkan 10 % responden memiliki status gizi normal, 56% responden mengalami malnutrisi ringan-sedang, dan 34% mengalami malnutrisi berat. Responden yang memiliki kualitas hidup baik 66% dan responden yang memilki kualitas hidup buruk 34%. Responden dengan malnutrisi cenderung memiliki kualtias hidup buruk, dan terdapat hubungan bermakna antara status gizi dengan kualitas hidup (p = 0,000).
Stability parameter as the aspect of studying the evolution of lexical synonymy in the language of the Middle High German epic (on the example of denominations of weapon)
Authors: Fomicheva Aleksandra Andreevna
Published: February 2022

Based on the example of synonymic chains as part of the lexical-thematic group of denominations of weapon in the Middle High German epic, this article demonstrates the use of the stability parameter of lexical synonyms for studying the evolutionary processes in language lexicon. Correlation between the stability parameter and the sphere of historical lexicology is drawn based on the concepts of lexical, nominative and semantic stability of the word offer by I. A. Ershova. The concept of word stability implies the presence of at least two chronological periods for comparison, which includes the stability parameter into the paradigm of methods for studying the evolution of language lexicon. This research highlights two stages in the history of German literature of the High Middle Ages: pre-courtly epic and courtly romance. Examination of the stability of lexical synonyms in the language of the Middle High German epic reveals the functionality and restrictions of this method of studying the evolution of lexicon. Reduction of the absolute values of stability parameter of the separate elements of synonymic chain to the parameter of relative stability of the entire row provides a systemic description of the evolution of lexical synonymy in the Middle High German language. Comparison of the three types of stability for different synonymic chains with transformations within their structure alongside the synonyms leads to the conclusion on the role of stability parameter in studying the evolutionary processes in lexicon as a manifestation of their presence or absence, as well as a means for determining the development vector of language vocabulary. The restrictions of this method are associated with the need to prove or expand the data on evolution of lexicon using cultural-historical and stylistic analysis.
BEBERAPA PENDEKATAN UNTUK MEMAHAMI HUKUM
Authors: Purwaka Tommy Hendra
Published: February 2022

Law in general is understood as regulations formed by authority to regulate community and its activities for the purpose of creating public order and justice. The law is enforced by legal apparatus by applying compliance and coercive measures. In addition, understanding on law can also be obtained by the use of several different approaches in viewing the law, such as from political, economic, social and cultural approaches. By so doing, understanding on law can be enriched and improved for the benefit of law enforcement and compliance.Keywords: Approaches, Understanding, Law