bluuebunny/crossref_metadata_2025 huggingface dataset:
Domination Of Female Microfinance Clients In Pakistan
Authors: Rehman Shafiq ur , Bashir Rizwana , Sajjad Adeela
Published: June 2020

Microfinance has been recognized and proven as a most admired option to combat poverty in Pakistan. But another characteristic of microfinance which has become obvious is its greater inclination towards female clients. Through this study it is observed that a large number of microfinance providers (MFPs) give preference to female clients over male clients due to certain reasons. The overall aim of this paper is to explore the extent of gender biases by MFPs and finding out possible reasons responsible for gender biasness. MFPs in Pakistan are either operating with profit motive or with poverty alleviation motive. The reasons for female orientation reported by MFPs operating for profit motive are their dedication, hard working and commitment to make their business venture a success and also to repay their debts on time. Other MFPs operating with poverty alleviation motive give preference to female clients because females are considered to be the most deprived and less privileged segment of the society. This study also examines the long term effects of gender biasness by MFPs. It is feared that the current greater inclination towards female clients may result into their exclusion in the long term which may not be a favourable situation.
Gendered Paradigms For Understanding Of Common-Pool Resource With Special Reference To Keenjhar Lake, Sindh
Authors: Sohag Aijaz Ahmed , Wajidi Faraz Ahmed
Published: June 2020

Keenjhar Lake, Pakistan is facing a potentially devastating ecological collapse, threatening the livelihood security of local communities. The purpose of this study was to investigate that how a more sustainable management plan can be forged through the integration of the local experiential knowledge and technocratic conservation values. The analysis gives particular emphasis to gender issues, given the unacknowledged but increasing responsibilities of community based organizations on women issues. Semi-structured interviews with local communities, communitybased organizations and government officials were undertaken to assess the various perceptions of resource use at Keenjhar Lake. The findings illustrate that conflicting understandings of ownership have a detrimental impact on the local perception on environment and prevalence of resource for their livelihood. However, there is an opportunity to foster new vistas of understanding which could be helpful in sustainability of management of resources.
Consequences Of Drug Abuse On Spouses Of Drug Addicts In Karachi
Authors: Sarfaraz Syeda Farhana
Published: June 2020

The issue of drug addiction or abuse is often over shadowed by the many of the human development problem such as poverty, illiteracy, lack of basic health care. But the fact is drug abuse is rapidly growingly in Pakistan and South Asia in general. Pakistan is the worst victim of narcotics trade in South Asia region. According to an estimate about 20 tons of heroin consume with in Pakistan annually. One addict in a family affects several other members the number of people suffering directly or indirectly runs into many more millions. This is a fastest growing problem which cuts across class, rural, urban, provincial and religious boundaries. A number of socio-economic problems, large disparities between income groups, poverty, corruption, lack of political will and above all easy access to drugs are known to be linked to drug abuse and crime. In fact it is a problem of social disorganization with multidimensional implication on the individual and other family members. The overall purpose of the study was to examine the consequences of drugs abuse on spouses of the drug uses in contemporary society. The problem of drug abuse and drug trafficking has assumed transnational character in recent years and no nation can claim to be free from this issue.
Delhi Rape Case
Authors: Sharafat Shazia
Published: June 2020

A twenty-three years old female medical student was gang raped on December 16, 2012 in a public bus in Delhi, India. The woman, whose name was not revealed due to Indian laws, was taken to the Safdarjang Hospital where she had gone through multiple surgeries and was placed on ventilation. She was sent to Elizabeth Hospital, Singapore on December 26 for the transplantation of her damaged organs but unfortunately she was died while undergoing emergency treatment on December 29.
Study Of Relationship Between Attitude And Problems Experienced By Mothers Of Children With Cerebral Palsy
Authors: Naz Shaista , Sulman Nasir
Published: June 2020

The present research work was carried out to study the attitudes and problems experienced by mothers of children with cerebral palsy. To achieve this broad objective, scales for the attitudes of mothers and problems experienced by them were developed. It was found that a mother's attitudes to cerebral palsy were determined by the severity of the child's disability. The severe the disability, the less favourable were the mother's attitudes. Mothers having better attitudes experienced less problems compared to those who had poor and unfavourable attitudes. The degree of cerebral palsy in the child and its I.Q. were seen to influence their problem score. The age, sex, birth order of the child, age of mother and the type of family did not affect the mother's problem score. However, parental education, occupation, habitat and family income were found to be directly related to their problems.
Importance of Women in the Light of Holy Quran
Authors: Parveen Abida , Parveen Uzma , Khan Muhammad Kamran
Published: June 2020

This article is published in Urdu language.
Allah Yang Esa Menurut Ajaran Kristen
Authors: Terok Sperry Velmer
Published: June 2020

The Bible states that God is difficult and even impossible to understand (Job. 11:7; Isa. 40:18), but He can be recognized. Jesus The Lord once confirmed this important truth to His disciples: “If you have known me, you will know my Father too. And from now on you do know Him and have seen Him. (Joh. 14:7).” Why God seems difficult to understand? It is because of the sin’s problem; the limitation of the human mind and understanding, but it does not mean that humans cannot recognize God. An understanding of the One God in Christianity is challenging. In order to describe and understand the One God in Christianity, the author uses descriptive methods. The intention is to be able to describe a system of thought in order to further interpret it precisely. As a result of the study of this paper, that the existence of One God in Christianity is clearly reported in the Bible; furthermore, the One God who has introduced Himself as a Trinity God is very clear both in Old Testament as well as in New Testament. The Trinity God: God the Father, God the Son, Holy Spirit, all three is one and equal. Finally, everyone can understand and recognize Him as far as the Bible says. The key to understand and recognize the One God is to believe the Bible is the Word of God in the first place. Then presume the understanding that every believer has can give meaning personally to others, and at last above these two interests, glory and honor to God, Himself.Alkitab menyatakan bahwa Allah sukar bahkan mustahil untuk dipahami (Ayb 11:7; Yes. 40:18), namun Dia dapat dikenal. Tuhan Yesus pernah menegaskan kebenaran penting tesebut kepada murid-murid-Nya: “Sekiranya kamu mengenal Aku, pasti kamu menganal Bapa-Ku. Sekarang ini kamu mengenal Dia dan kamu telah melihat Dia (Yoh. 14:7).” Mengapa Allah yang Esa itu sukar dipahami? Karena masalah dosa, pikiran pengetahuan dan bahasa manusia, namun bukan berarti manusia tidak dapat mengenal Allah. Pemahaman tentang Allah yang Esa dalam ajaran Kristen merupakan hal yang menantang. Supaya dapat menguraikan dan memahami Allah yang Esa dalam ajaran Kristen penulis menggunakan metode Deskriptif. Maksudnya untuk dapat mendeskripsikan suatu sistem pemikiran selanjutnya menginterpretasikan secara tepat. Adapun hasil kajian tulisan ini, bahwa eksistensi Allah yang esa dalam ajaran Kristen sangat jelas dilaporkan Alkitab; selanjutnya bahwa Allah yang Esa yang telah memperkenalkan diri sebagai Allah Tritunggal sangat jelas berdasarkan PL maupun PB. Allah Tritunggal yakni: Bapa, Anak (Yesus Kristus) serta Roh Kudus, ketiga-Nya sehakekat sekaligus setara. Akhirnya, bahwa setiap orang pasti dapat memahami dan mengenal-Nya, sejauh yang dikatakan Alkitab. Kunci memahami dan mengenal Allah yang Esa yakni terlebih dahulu meyakini Alkitab adalah Firman Allah. Kiranya pemahaman yang dimiliki setiap orang percaya dapat memberi makna secara pribadi, bagi orang lain, dan akhirnya di atas kedua kepentingan tersebut kemuliaan dan hormat bagi Allah sendiri.
Konsep Pengampunan Menurut Matius 18:21-35 dan Implikasinya bagi Gereja Masa Kini
Authors: Korengkeng Herry Jeuke Nofrie
Published: June 2020

Forgiveness is a crucial problem for human safety. Because divine forgiveness is a very fundamental part of the salvation of humanity. Therefore a true understanding of God's forgiveness is needed. In Matthew 18: 21-35 Jesus teaches forgiveness without limits through a parable. Through qualitative methods with the type of textual research or pure literary research found that understanding that forgiving without limits is God's demand for every believer. Forgiveness given by God in Jesus Christ is based on God's grace without demanding compensation. God forgives without conditions, without demands, no hidden feelings. Every human being who violates all the commands of God must confront God himself, as the indebted servant is demanded to pay off his debt. By the king's gift, the indebted servant was freed. This illustrates to the believer that God's grace can deliver man completely from all his sins, no matter how heavy and the magnitude of the sin. God demands that believers forgive the guilty just as Christ has forgiven. His whole life is an example, model or lifestyle of every believer. This is the attitude the modern church needs to take to show the nature of Christ's forgiveness as a follower of Christ.Pengampunan merupakan masalah yang sangat menentukan bagi keselamatan manusia. Sebab pengampunan secara ilahi merupakan bagian yang  sangat fundamental bagi keselamatan umat manusia. Oleh sebab itu diperlukan pemahaman yang benar tentang pengampunan Allah. Dalam Matius  18:21-35 Yesus mengajarkan pengampunan tanpa batas melalui suatu perumpamaan. Melalui metode kualitatif dengan jenis penelitian tekstual atau penelitian literatur murni ditemukan pemahaman bahwa mengampuni tanpa batas merupakan tuntutan Allah bagi setiap orang percaya. Pengampunan yang diberikan Allah di dalam Yesus Kristus didasarkan pada anugerah Allah tanpa menuntut ganti rugi. Allah mengampuni tanpa syarat, tanpa tuntutan, tidak ada rasa yang terpendam. Setiap manusia yang melanggar segala perintah Tuhan pasti berhadapan langsung dengan Allah sendiri, sebagaimana hamba yang berhutang itu dituntut  agar melunasi hutangnya. Oleh anugerah raja itu, hamba yang berhutang banyak itu dibebaskan. Hal ini menggambarkan kepada orang percaya bahwa anugerah Tuhan itu dapat membebaskan manusia dengan sempurna dari segala dosanya, bagaimanapun berat dan besarnya dosa itu. Allah menuntut supaya orang percaya mengampuni orang yang bersalah sama seperti Kristus telah mengampuni. Keseluruhan hidup-Nya adalah contoh, model atau gaya hidup setiap orang percaya. Inilah sikap yang perlu diambil oleh gereja masa kini yakni menunjukkan sifat pengampunan Kristus sebagai pengikut Kristus.
Performers, espaços e tontura
Authors: Sampaio José Ricardo Fortes , Pamplona Rafael Brito
Published: June 2020

O presente artigo é uma pesquisa inicial que surge do envolvimento com os espaços ocupados pelas relações sexuais em Teresina e especificadamente na análise de um local de pegação frequentado pela busca de sexo entre homens, nomeado de tontura e baseado em estudos dos autores como Peter Fry, Edward Macrae e Néstor Perlongher, a pesquisa busca refletir sobre como surgiu no Brasil a produção e reprodução desses espaços e uma reflexão introdutória sobre a tontura: da sua produção, dos indivíduos que a compões, dos processos, códigos e uma análise inicial sobre série de normas que o território pode codificar para o consumo dos desejos dos indivíduos. Portanto uma análise antropológica sensível sobre a história dos movimentos e ocupação desses espaços que refletem em uma reflexão da tontura.

(Imagem de karosieben por Pixabay)
Da medicalização ao silenciar dos afetos
Authors: Andrade Valdeir Soares
Published: June 2020

Este estudo objetivou realizar uma pesquisar bibliográfica a fim de desenvolver uma crítica acerca da medicalização da vida cotidiana, que vem ganhando espaço na sociedade contemporânea. O estudo trata-se, porquanto, de uma investigação que objetiva analisar a evolução dos diagnósticos ao longo das produções do DSM, descrevendo o processo histórico e evolutivo da influência da medicalização na vida cotidiana, influenciando diretamente no aumento dos transtornos diagnosticados e categorizados ao longo dos anos. Por conseguinte, tem-se a proposta de discutir sobre os principais meios de controle utilizado para alienar o sujeito frente aos acontecimentos da vida cotidiana, apontando para as estratégias utilizadas para que o corpo seja controlado através do entorpecimento dos afetos, respaldados na produção de doença e tendo o diagnóstico como fim único.

( Imagem de Gerd Altmann por Pixabay)
Mário Faustino e poesia - experiência
Authors: Oliveira Bruno Leonardo Rios
Published: June 2020

São pouco conhecidos os discursos e atuações da escrita militante de Mario Faustino, como jornalista entre os anos de 1956 a 1959, na página do Jornal do Brasil, conhecida como “Poesia-Experiência”. Os textos publicados nesse período revelam um Mário Faustino que estabelece diálogos vívidos com a marginalidade contestatória trazida pela Vanguarda poética, ao tempo em que criticava os poetas consagrados de seu tempo. Problematizando as repercussões da página “Poesia-Experiência” e sua originalidade dialógica na intertextualidade poética-histórica, este trabalho pretende discutir a perspectiva pedagógica de Mário Faustino tanto como jornalista quanto como crítico literário, ressaltando, por outro lado, as suas discordâncias com o conservadorismo poético, na situação do intelectual brasileiro no pós-guerra, na figura de Meireles, Bandeira e Drummond. Cada momento de sua trajetória na imprensa revela, ainda, as várias identidades intelectuais assumidas por Mário Faustino, do seu início, na imprensa do Pará, em 1948, que vai culminar, mais tarde, na sua empreitada mais original no suplemento encartado no Suplemento Dominical do Jornal do Brasil (SDJB). Este trabalho utiliza-se da revisão crítica e dialética como metodologia, usando de fontes secundárias. Assim, o objeto de estudo foi investigado por meio da análise bibliográfica, discutindo teorias que abordam campos como a historiografia e a crítica literária no segmento do jornalismo cultural brasileiro dos anos de 1950, gerando assim uma compreensão dialética do tema.

(Imagem Mario Faustino Youtube)
Nem João, nem Maria: as práticas corporais para integração de gêneros nas aulas de Educação Física
Authors: Carvalho J. H. A. , Correia M. S.
Published: June 2020

O artigo analisa os primórdios dos estudos sobre gêneros, se baseando em conceitos clássicos para que possamos entender como ideais machistas e sexistas foram se entrelaçando em nossa cultura, ao ponto de estarem cada vez mais enraizados e possuírem práticas que foram naturalizadas ao longo dos anos. A Educação Física sempre possuiu enorme ligação com essa temática, devido as características estritamente biológicas presentes nos modelos higienista e militarista. Nesse viés esse estudo ensaístico tem como objetivo analisar criticamente como as práticas corporais podem contribuir para promover a integração de gênero nas aulas de Educação Física.
(Imagem Sasin Tipchai por Pixabay)
Entre príncipe e princesa há um arco-íris de possibilidades: relação de gênero na educação infantil
Authors: Dantas M. M. L. V. , Maia J. B. M. , Correia M. S.
Published: June 2020

O presente trabalho tem como objetivo geral compreender como uma professora da Educação Infantil significa a formação de meninos e meninas no contexto escolar, buscando identificar em seus discursos e práticas educativas a existência de algum tipo de tratamento diferenciado às individualidades de meninos e meninas. Trata-se de uma pesquisa qualitativa de natureza descritiva. Durante as observações realizadas e a entrevista com a professora, foi possível perceber que a prática da docente não contribui para as desigualdades de gênero nem para processos de discriminação, uma vez que a professora faz questão de desenvolver estratégias que possibilitem total interação entre as crianças, independentemente do sexo. A escola faz, portanto, um importante papel na construção da identidade das crianças, visto que há uma problematização e superação dos processos de discriminação.
(Imagem de Andrew Martin por Pixabay)
Caio Fernando Abreu
Authors: Nascimento Cyro Roberto Melo
Published: June 2020

No presente artigo refletimos sobre como se constrói a relação entre literatura e contexto histórico-social a partir da obra do escritor Caio Fernando Abreu. Ao analisarmos seu texto literário e as condições de sua publicação, verificamos como a escrita e a trajetória pessoal do autor estão marcadas pelas constantes transformações sociais do país. Sua biografia literária está fortemente determinada pela conjuntura política, como vemos na censura imposta a seus textos pelo regime autoritário e no seu autoexílio na Europa, que aparecerá como tema recorrente por toda a obra. Mas não só sua vida é determinada pelo contexto histórico, também a tematização literária deste nos textos de Caio influenciará a forma como sua geração se pensa diante do turbilhão social que marcou aquela época. Podemos entendê-la como um exemplo da experiência literária brasileira contemporânea, em que a Ditadura Militar e a redemocratização do país vão se revelar pontos fundamentais na composição do texto ficcional, tanto ao serem adotadas como tema, quanto nas imposições do regime autoritário aos autores para condicionarem sua escrita à censura oficial.
(Imagem G1)
No limite do silêncio
Authors: Carvalho Marlene Araújo , Castro Genivaldo Macário
Published: June 2020

Este artigo é uma análise à luz dos aportes teóricos da Gestalt-Terapia do filme “No Limite do Silêncio”. A problemática trata das causas motivacionais e das causas precipitadoras de um suicídio e da tentativa de outro, além de apresentar os mecanismos neuróticos ou os ajustes criativos vivenciados por duas personagens e pelo psiquiatra no filme. As causas motivacionais e as causas precipitadoras das tentativas e das mortes autoprovocadas não se confundem, as primeiras são multifatoriais e mais complexas, as segundas são as mais visíveis, as mais evidentes, as que mais se destacam quando da ocorrência do ato. É a chamada prova da decisão que culminou com o ato. Os pesquisadores que balizam a análise são: Silva (2009), Aragão Neto e Oliveira (2008), Perls (1988), Kiyan (2006), Ribeiro (2007), Caselatto (2002), Kübler-Ross (2003), Fukumitsu e Scavacini (2013), dentre outros. O método é qualitativo/interpretativo, tendo como foco as relações entre as personagens, cujos resultados se encaminham para a necessidade de se conhecer e se compreender o ato suicida, além dos mecanismos neuróticos postos em prática pelos personagens na tentativa de minimizar o sofrimento psíquico. O conhecimento do tema pelos profissionais envolvidos com a temática e a prioridade no atendimento às vítimas são primordiais para que os danos e traumas decorrentes do suicídio e de suas tentativas sejam, pelo menos, minimizados.
(Imagem de Stefan Keller por Pixabay)
Applying Two Stay Two Stray (TSTS) Techniques by Using Picture Series to Improve Students’ Speaking Skill
Authors: Rasdiana  , Ansari Reski Alifah , Putra Ade Mandala
Published: June 2020

The purpose of this research was positively to find out whether applying two stay two stray techniques by using picture series to improve students’ speaking skill at the second grade in MAN 2 Parepare. The results of this research give contribution for both the teachers and students. The teacher will be conscious that it is important to apply the technique in teaching. The students can enjoy the lesson so they can be easier to express their ideas and also confidence to speak by using the gesture. The subject of this research is XI MIA 1 class which is consisted of 27 students. The sample was taken by using purposive sampling. The design in this research was pre-experimental with pre-test and post-test design. The student did the pre-test, got the treatment and did the post-test. It aimed to know whether applying two stay two stray techniques by using picture series can improve students’ speaking skill. The result in this research was indicated that the improvement of the students’ speaking skill. It was indicated by the students’ mean score of post-test (72.26) was greater than pre-test (44.46). Even, for the level significant (p) 5% and df = 26, and the value of table is 1.706, while the value of t-test is 18.34. It means that the t-test value is greater than t-table (2.29 ≥ 1.706). Thus, it can be concluded that the students’ speaking skill is significantly better after getting the treatment. So, the null hypothesis (H0) is rejected and the alternative hypothesis (Ha) is accepted.
Comparing between Total Physical Response and Silent Way Method to Develop Students’ Speaking Ability
Authors: Idris Andi Muhammad Syafri , Juddah Abu Bakar , Nurhamdah
Published: June 2020

The objective of the research is to get information about comparing between total physical response and silent way to develop speaking students’ ability at second grade senior high school 1 liliriaja Kab. Soppeng. This was a quasi-experimental research using two classes on pre-test and post-test design, the population of this research was second grade senior high school 1 liliriaja Kab. Soppeng. The technique to take the sample is cluster random sampling and the data was analyzed into descriptive statistics and T-test. The result of data analyzing shows that the students’ achievement of control class at pre-test 3,5625 and post-test 5,59375, experimental class at pre-test 2,71875 and post-test 4,46875. While the result of t-test score was 35,3 ≥ 2,00 (t test was greater than t table). For the effectiveness of the speaking classroom context, the method tends to provide difficulties in practicing the speaking method. The researcher suggests the future researchers to conduct the relevant research by adding some new aspects into it. The aspects can be expanded in terms of the method used, number of research variables, research participants, etc.
PROBLEMATIKA DAN STRATEGI PENANGANAN POLITIK UANG PEMILU SERENTAK 2019 DI INDONESIA
Authors: Lati praja delmana
Published: June 2020

Pemilu serantak Tahun 2019 meninggalkan permasalahan akut yang berdampak pada kritisnya nilai demokrasi di Indonesia. Realitas menunjukan terdapat banyak pelanggaran yang menyumbang penurunan kualitas Pemilu yang disebabkan oleh politik uang. Permasalahan politik uang ini telah banyak dikaji oleh peneliti sebelumnya, namun terdapat ruang kosong dalam penanganan politik uang yaitu penanganan tidak cukup melalui penguatan kelembagaan tapi juga melalui best practice dengan membandingkan penanganan politik uang yang telah dilakukan oleh negara-negara luar dan disesuaikan dengan keadaan Pemilu indonesia terutama kondisi lokal. Penelitian ini menggunakan metode studi pustaka yang didukung oleh penelitian yang relevan. Hasil penelitian menunjukan akar permasalahan munculnya politik uang adalah kandidat dan masyarakat yang memiliki perilaku kapitalis didasarkan pada untung dan rugi secara ekonomi. Sementara celah hukum, pengawasan yang lemah dan sistem Pemilu proporsional membuka peluang berkembangnya politik uang. Pencegahan politik uang dapat dilakukan secara sistemik dan simultan melalui efektifitas fungsi suprastruktur dan infrastruktur politik, pembenahan sistem politik, budaya politik, pendidikan moral dan politik masyarakat dengan strategi jangka pendek, menengah dan jangka panjang. Pencegahan dapat juga dilakukan melalui modifikasi sistem Pemilu campuran sehingga meningkatkan hubungan antar pemilih dan wakilnya yang tidak terputus pasca Pemilu pada akhirnya akan meminimalisir politik uang dan menekan jumlah caleg instan menjelang Pemilu.
Peranan LEmbaga Keuangan Mikro Syariah Dalam Mendorong USaha Kaum Perempuan
Authors: Pratiwi Rianti
Published: June 2020

Program pembiayaan mikro yang ditujukan untuk kaum perempuan, ataupun program pembiayaan mikro secara umum, yang diharapkan dunia menjadi kunci pengentasan kemiskinan, sesungguhnya masih menyimpan masalah. Namun demikian nyatanya, tidak dipungkiri sebagian besar usaha yang dikelola oleh kaum perempuan, dimana mayoritas berskala mikro, masih menjadikan faktor finansial atau modal usaha menjadi kendala utama. Dalam hal ini kehadiran Lembaga Keuangan Mikro Syariah (LKMS) sangat diperlukan, mengingat LKMS setidaknya memiliki keunggulan antara lain, tidak menerapkan sistem ribawi -yakni faktor utama atas kegagalan suatu sistem keuangan termasuk microfinance-, bersifat sosial bisnis, dapat menciptakan produk keuangan yang inovatif untuk keperluan usaha kaum perempuan dan juga faktor kedekatan wilayah LKMS dengan para nasabahnya. Dalam kajian ini juga disimpulkan bahwa LKMS harus dapat berperan sebagai pusat pembelajaran bagi nasabahnya, yakni dengan memberikan pendampingan, baik dalam hal administrasi keuangan usaha, maupun mensosialisasikan pemahaman tentang ekonomi Islam. Hal-hal tersebut merupakan kesatuan perangkat agar tujuan dari adanya pembiayaan mikro yang ditujukan kepada kaum perempuan tidak menyimpang, yaitu mewujudkan kemaslahatan.Kata kunci: Pembiayaan mikro, Usaha mikro, Perempuan, Peran LKMS, Kemaslahatan.AbstractMicrofinance programs aimed for women, or microfinance program in general, which is expected to be a key for the world poverty, actually still have problems. However, in reality, there is no doubt that most of the businesses run by women, which the majority are micro-scale, still make financial factors or venture capital is the main constraint. In this case the presence of Islamic Microfinance Institutions (LKMS) is necessary, given that LKMS at least have some advantages, among others financial institution such, do not apply the usury/interest system (which is the main factor for the failure of the financial system, including microfinance), has a social business characteristic, can create innovative financial products to women business purposes and also its proximity to the region LKMS customers. In this study also concluded that LKMS should be able to act as a center of learning for its customers, by providing assistance, both in terms of financial administration efforts, and disseminate an understanding of Islamic economics. Those things are a unity of devices, so that the purpose of the microfinancing aimed for women are not deviated, namely to realize the mashlahah.Keywords: Microfinance, Micro Business, Women, LKMS Role, Mashlahah.
PENGARUH KURS VALUTA ASING DAN TINGKAT BAGI HASIL TERHADAP VOLUME DEPOSITO MUDHARABAH USD PADA PERBANKAN SYARIAH (PERIODE JANUARI 2011- MARET 2015)
Authors: Pratiwi Rianti , Lukmana Asshiddiqi
Published: June 2020

ABSTRAK: Tujuan penelitian ini adalah untuk menganalisis pengaruh kurs USD dan tingkat bagi hasil deposito mudharabah USD terhadap volume deposito mudharabah USD pada perbankan syariah. Data yang digunakan pada penelitian ini adalah data bulanan dari Januari 2011 sampai Maret 2015. Penelitian ini menggunakan metode analisis linier regresi berganda dengan menggunakan program komputer SPSS versi 22.0 dan Microsoft Excel 2010. Hasil analisis menunjukkan bahwa secara parsial, kurs USD berpengaruh positf signifikan terhadap volume deposito mudharabah USD, sedangkan tingkat bagi hasil deposito mudharabah USD berpengaruh negatif tidak signifikan. Secara simultan variabel kurs USD dan tingkat bagi hasil deposito mudharabah USD berpengaruh signifikan terhadap volume deposito mudharabah USD. Hal ini dibuktikan dengan nilai sig-F 0,000 yang lebih kecil dari signifikansi 5%. Kemampuan prediksi dari kedua variabel tersebut terhadap volume deposito mudharabah USD adalah 88,4%. sebagaimana ditunjukkan oleh besarnya adjusted R square, sedangkan sisanya 11,6% dipengaruhi oleh faktor lain.Kata Kunci : Kurs, Tingkat Bagi Hasil Deposito Mudharabah, Volume Deposito Mudharabah dan Analisis Regresi linierABSTRACT: The purpose of this study was to analyze the influence of the USD exchange rate and the rate for the mudharabah deposit for USD toward the volume of deposit of mudharabah. The data used in this study is the monthly data from January 2011 to March 2015. This study uses linear regression analysis using SPSS version 22.0 and Microsoft Excel 2010. The analysis showed that partially, the USD exchange rate impact positf significantly to the volume of deposits mudaraba USD, while the rate for the deposits of USD mudharabah significant negative effect. Simultaneously, USD rate and deposits of USD mudharabah significantly affect the volume of deposits mudarabah USD. This is evidenced by the value of sig-F 0,000 less than the 5% significance. The predictive ability of the variables on the volume of deposits was 88.4% mudharabah USD. As indicated by the adjusted R-square, while the remaining 11.6% is influenced by other factors.Keywords: kurs, Rate of Profit of Mudharabah Deposit, volume of Deposit, and regresseion analisys
FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS PADA BANK MUAMALAT INDONESIA
Authors: Ummah Fathiya Khaira , Suprapto Edy
Published: June 2020

ABSTRAK: Penelitian ini bertujuan untuk menguji dan menganalisis rasio keuangan terhadap profitabilitas Bank Muamalat Indonesia. Penelitian ini menggunakan metode vector error correction model dengan mengunakan data times series triwulan periode tahun Desember 2000 – September 2014. Variabel yang digunakan dalam penelitian ini adalah ROA, CAR, BOPO, NPF dan FDR. Hasil penelitian menunjukkan pada hasil VECM jangka pendek CAR dan NPF tidak berpengaruh signifikan terhadap profitabilitas BMI, sedangkan BOPO dan FDR berpengaruh negatif dan signifikan terhadap profitabilitas BMI. Artinya jika keduanya naik sebesar 1% maka profitabilitas BMI akan menurun sebesar 2.4% dan 2.2%. Hasil VECM jangka panjang menunjukkan bahwa CAR tidak berpengaruh signifikan terhadap profitabilitas bank. BOPO berpengaruh negatif dan signifikan terhadap profitabilitas bank, jika terjadi kenaikan BOPO sebesar satu persen maka profitabilitas BMI akan menurun sebesar 2.7%. NPF berpengaruh negative dan signifikan terhadap profitabilitas BMI, jika terjadi kenaikan NPF sebesar satu persen maka profitabilitas BMI akan menurun sebesar 4.1%. FDR berpengaruh negative dan signifikan terhadap profitabilitas BMI, jika terjadi kenaikan FDR sebesar satu persen, maka profitabilitas BMI akan menurun sebesar 5.4% setiap triwulannya.Kata Kunci : ROA, CAR, BOPO, NPF, FDR, VECM dan ProfitabilitasABSTRACT: This study aims to examine and analyze financial ratios on profitability of Bank Muamalat Indonesia. Vector error correction model used in this study, by using the times series data is quarterly period of December 2000 - September 2014. The variables used in this study are ROA, CAR, ROA, NPF and FDR. The results showed the results of short-term are CAR and NPF insignificant effect on the profitability of BMI, while ROA and FDR significant negative effect on profitability BMI. If there is an increase in ROA and NPF amounting to one percent of the profitability BMI will decrease by 2.4% and 2.2%. However the long-term results showed that the CAR is insignificant effect on the profitability of banks. BOPO a significant negative effect on the profitability of banks, if there is an increase of one percent BOPO profitability BMI will decrease by 2.7%. NPF and significant negative effect on the profitability of BMI, if there is an increase of one percent NPF profitability BMI will decrease by 4.1%. FDR and significant negative effect on the profitability of BMI, if there is an increase of one per cent FDR, then the BMI profitability will decline by 5.4% on a quarterly basis.Keywords: ROA, CAR, BOPO, NPF, FDR, VECM dan Profitability
DOMINATION RIBAWI TRANSACTIONS IN THE ECONOMY
Authors: Dyarini Dyarini
Published: June 2020

ABSTRACT. Though the fight against usury command is a cornerstone ofIslamic finance but the debate about the significance of the word "Riba"precisely still persistent. since the beginning of the advent of Islam, the majority of scholars has adopted a strict definition of usury, that all forms of interest can be said to be riba. but the debate continually held until now. some opinions reject these definitions and argued that Islam tolerate a reasonable interest rate.  Therefore, this article will explain about riba and significance.Keywords: Riba, Economic Transaction, Islamic Economic ABSTRAK. Perang terhadap riba adalah salah satu inti dari ajaran Islam, tetapi diskursus tentang signifikansi kata “Riba” masih terus bergulir. Sejak awal masa Islam, mayoritas Ulama telah mengadopsi secara jelas definisi riba, bahwa seluruh bentuk tambahan dapat dikatakan sebagai riba. Tetapi debat terus berlanjut hingga saat ini. Beberapa pendapat menolah defenisi ini dan beragumen bahwa Islam menolerir suatu tingkat suku bunga tertentu. Olehkarena itu, artikel ini akan menjelaskan tentang riba dan signifikansinya.Keywords: Riba, Transaksi Ekonomi, Ekonomi Islam
Faktor-Faktor Yang Mempengaruhi Pembiayaan Pada Bank Umum Syariah Devisa Di Indonesia
Authors: Umiyati Umiyati , Ana Leni Tantri
Published: June 2020

ABSTRAK. Penelitian ini bertujuan untuk menganalisis pengaruh variabel Dana Pihak Ketiga (DPK), Financing to Deposit Ratio (FDR), Return on Asset (ROA), Non Performing Financing (NPF) dan Inflasi Terhadap Pembiayaan Pada Bank Umum Syariah Devisa di Indonesia. Data yang digunakan dalam penelitian ini adalah data Triwulan dari Maret 2011 sampai Desember 2015. Teknik sampling yang digunakan dalam penelitian ini adalah purposive sampling dengan menggunakan alat analisis regresi linier berganda menggunakan program SPSSversi 20 dan Microsoft Excel 2016. Hasil penelitian menunjukkan secara parsial bahwa Return on Asset (ROA), Performing Financing (NPF) dan Inflasi tidak berpengaruh signifikan terhadap Pembiayaan. Sedangkan Dana Pihak Ketiga (DPK) dan Financing to Deposit Ratio (FDR) berpengaruh signifikan terhadap Pembiayaan. Hasil lainnya menunjukkan nilai Adjusted R Square sebesar 91,3% yang berarti secara simultan menunjukkan bahwa Jumlah Pembiayaan pada Bank Umum Syariah Devisa dipengaruhi oleh Dana Pihak Ketiga (DPK), Financing toDeposit Ratio (FDR), Return on Asset (ROA), Non Performing Financing (NPF) dan Inflasi Sedangkan sisanya sebesar 8,7% dipengaruhi oleh variabel lain di luar model.Kata kunci: Pembiayaan, Dana Pihak Ketiga (DPK), Financing to DepositRatio (FDR), Return On Asset (ROA), Non PerformingFinancing (NPF) dan InflasiABSTRACT. This research aim to analyze the effect of the third-party funds, Financing to Deposit Ratio (FDR), Return on Asset (ROA), Non Performing Financing (NPF) and Inflation against the total of fund at Syariah Banking foreign exchange in Indonesian. The data for assessing this research are acquired quarterly data from March 2011 to December 2015. Technical sampling used in this research is purposive sampling and used multiple linier regression method. Data processing in this research uses SPSS software 20.0 and Microsoft Excel 2016. The results of theanalysis indicated that partially, Return on Asset(ROA), Non Performing Financing (NPF) and Inflation has no significant affect to funds. The third-party funds and Financing to Deposit Ratio (FDR) are significant to funds.The amount of the adjust Rsquare is 91,3%. Simultaneously the third-party funds, Financing to Deposit Ratio (FDR), Return on Asset (ROA), Non Performing Financing (NPF) and Inflation have significant affect. While the remaining amount of 8,7% influenced by other factorsthat are not included in the study variables.Keywords: The Total of fund, the third-party funds, Financing to Deposit Ratio (FDR), Return on Asset (ROA), Non Performing Financing (NPF) and Inflation
The Effect Of The Sharia Marketing Mix On Tourist Satisfaction After Earthquake In North Lombok Regency
Authors: Sulaiman Abdullah , Hindardjo Anton
Published: June 2020

In the tourism sector, the marketing mix is impossible to separate from the satisfaction of customers or tourists. So, it is necessary to maximize the tourism market share in North Lombok Regency after the disaster, especially halal tourism by evaluating the marketing mix of sharia. Thus, it will be a strategy for tourism recovery after the disaster that occurred in North Lombok Regency. This study aims to examine the effect of Sharia Marketing Mix on Tourist Satisfaction. Data was obtained by spreading 272 questionnaires to tourists in West Lombak Regency as respondents using purposive random sampling method. While data analysis using quantitative methods with the analysis tool used is Structural Equation Modeling (SEM). The results of this study indicate that the dimensions of the marketing mix ie place and physical evidence (infrastructure) affect tourist satisfaction. The implication is that it is necessary to reform the place and physical evidence (infrastructure) in the tourist area. This is a recommendation to stakeholders in the efforts of strategies used in post-disaster recovery.
Effect Of Perception On Sharia Banks And Variety Seeking On Customer Switching Intention From Conventional Banks To Sharia Banks In Bekasi City
Authors: Ramadhani Estu Banyu , Hakim Adril , Pratiwi Rianti
Published: June 2020

As known, the competition between banks in Indonesia is increasingly tight. Making each bank in various ways such as developing products, improving services, procuring promos, etc., continues to be carried out to get potential customers for the continuity of their business. Only banks are able to attract new consumers and retain old consumers who may be able to grow and develop for long periods of time. Therefore, it becomes a challenge for sharia bank marketers in creating marketing strategies in accordance with Islamic law. In this case, one of the things that can be done by Islamic bank marketers is to approach the community by identifying whether or not there are customers of conventional banks who want to move to Islamic banks. This study aims to determine the effect of customer perceptions of Islamic banks and variety seeking on the customer intention to switch from conventional banks to Islamic banks. Data collection techniques in this study were conducted by distributing questionnaires to all Muslim society in Bekasi City. Sampling is done by judgmental sampling technique so that it gets 101 samples. The research method used is quantitative associative research and data is processed using Partial Least Square (PLS). The results of this study indicate that only variable perception society about the bank sharia who influential significant effect on the customer intention to switch from conventional banks to Islamic banks, while variety seeking does not have a significant effect on the customer intention to switch from conventional banks to Islamic banks.
Entornos de aprendizaje para el desarrollo profesional docente
Authors: Fernández March A.
Published: June 2020

El avance en la práctica del desarrollo educativo en el contexto de la Educación Superior en el Estado español, exige una mirada diferente. Desde esta perspectiva, este artículo plantea una aproximación en la que se toman como referencia, por una parte, algunos de los modelos teórico-empíricos más relevantes relacionados con las fases del desarrollo profesional y las características que las describen, y por otra, los tipos de patrones de aprendizaje de los docentes que permiten captar las diferencias individuales de estos cuando se enfrentan a las situaciones que el contexto profesional les va planteando. Sobre estas claves se plantean tres principios a tener en cuenta en el diseño de los programas de desarrollo docente, todos ellos vinculados con el objetivo de hacer avanzar las prácticas y las concepciones sobre la enseñanza y el aprendizaje y basados en la idea del aprendizaje profundo. Por último, se proponen algunos entornos a aprendizaje posibles coherentes con los planteamientos de base: la práctica basada en la evidencia (EBE), la revisión de pares, las comunidades de práctica, los portafolios y los escritos académicos.
Luces y sombras en la formación pedagógica del profesorado universitario en España
Authors: Rodríguez Espinar S.
Published: June 2020

La década de los 70 del siglo pasado cons­tituye la “protohistoria” de la Formación del Profesorado Universitario en España. Con la LRU de 1983 se inició una exten­dida práctica de la acción formativa del profesorado universitario. Los procesos de evaluación de la calidad, así como el de convergencia europea han propiciado un significativo desarrollo de la misma. La formación pedagógica del profesorado no es práctica común en las universidades europeas (con algunas notables excep­ciones), existiendo grandes diferencias entre sistemas e instituciones. En España la situación no es distinta: significativas diferencias entre instituciones. Primero se aborda una breve sinopsis de los hitos más relevantes de la formación pedagógica del profesorado en la universidad española y se identifican algunas omisiones significa­tivas en trabajos previos sobre el tema. En segundo lugar se exponen los enfoques de la acción formativa (marco de referen­cia: ideas, teorías, modelos) que han “ilu­minado” dicha formación en la praxis del sistema universitario español. Así mismo se analiza el contenido de dicha forma­ción. A semejanza de lo que acontece en otros contextos, la mayoría de los progra­mas, generalmente no evaluados, con fre­cuencia reducidos a un único curso o aun conjunto de seminarios que el profesora­do elige acorde a sus intereses. En cuanto a la formación inicial, en algunos países es obligatorio para todos los “assistant professor” cursar un programa de forma­ción. En otros, la obligatoriedad inicial ha sido suspendida y la universidad tiene la decisión de aplicarla. En España no existe normativa que obligue a una formación pedagógica del profesorado universitario. El último punto trata de cómo se ha difun­dido en el sistema universitario español la práctica de la Formación del Profesorado Universitario (FPU).

 
Ambidextrismo o el equilibrio: la esencia de las competencias emprendedoras y su aprendizaje no formal
Authors: Ripollés M. , Michavila F.
Published: June 2020

El reconocimiento generalizado de la im­portancia de las competencias empren­dedoras para el éxito profesional de los estudiantes está llevando a las universida­des a desarrollar entornos que faciliten su aprendizaje. Sin embargo, todavía existen importantes cuestiones por resolver que limitan la eficacia de dichos entornos. No existe consenso sobre el tipo de compor­tamiento emprendedor que debería esti­mularse en los estudiantes universitarios, ni sobre el concepto de competencias em­prendedoras que más se ajusta al entorno específico de las universidades. Además, las propuestas didácticas que pudieran plantearse deben considerar que, aunque los sistemas de evaluación formativos son apropiados a la hora de medir competen­cias transversales, también son más com­plejos. En este trabajo se considera que la educación no formal universitaria es un instrumento potente para el aprendizaje de competencias emprendedoras en los estudiantes universitarios, ya que otorga la flexibilidad que éste requiere. En con­secuencia, se presenta una propuesta di­dáctica integral que facilita la adquisición de competencias emprendedoras en el ámbito universitario, se exponen las prin­cipales características pedagógicas que inspiran dicha propuesta y su relación con los distintos tipos de competencias emprendedoras. El artículo finaliza con la presentación de un sistema de evaluación formativo que resalta la importancia de la reflexión como elemento de aprendizaje.
Molecular characterisation of antimicrobial resistance and virulence genes in Escherichia coli strains isolated from diarrhoeic and healthy rabbits in Tunisia
Authors: Ben Rhouma Raouia , Jouini Ahlem , Klibi Amira , Hamrouni Safa , Boubaker Aziza , Kmiha Souhir , Maaroufi Abderrazek
Published: June 2020

The purpose of this study was to identify Escherichia coli isolates in diarrhoeic and healthy rabbits in Tunisia and characterise their virulence and antibiotic resistance genes. In the 2014-2015 period, 60 faecal samples from diarrhoeic and healthy rabbits were collected from different breeding farms in Tunisia. Susceptibility to 14 antimicrobial agents was tested by disc diffusion method and the mechanisms of gene resistance were evaluated using polymerase chain reaction and sequencing methods. Forty E. coli isolates were recovered in selective media. High frequency of resistance to tetracycline (95%) was detected, followed by different levels of resistance to sulphonamide (72.5%), streptomycin (62.5%), trimethoprim-sulfamethoxazole (60%), nalidixic acid (32.5%), ampicillin (37.5%) and ticarcillin (35%). E. coli strains were susceptible to cefotaxime, ceftazidime and imipenem. Different variants of blaTEM, tet, sul genes were detected in most of the strains resistant to ampicillin, tetracycline and sulphonamide, respectively. The presence of class 1 integron was studied in 29 sulphonamide-resistant E. coli strains from which 15 harboured class 1 integron with four different arrangements of gene cassettes, dfrA17+aadA5 (n=9), dfrA1 + aadA1 (n=4), dfrA12 + addA2 (n=1), dfrA12+orf+addA2 (n=1). The qnrB gene was detected in six strains out of 13 quinolone-resistant E. coli strains. Seventeen E. coli isolates from diarrhoeic rabbits harboured the enteropathogenic eae genes associated with different virulence genes tested (fimA, cnf1, aer), and affiliated to B2 (n=8) and D (n=9) phylogroups. Isolated E. coli strains from healthy rabbit were harbouring fim A and/or cnf1 genes and affiliated to A and B1 phylogroups. This study showed that E. coli strains from the intestinal tract of rabbits are resistant to the widely prescribed antibiotics in medicine. Therefore, they constitute a reservoir of antimicrobial-resistant genes, which may play a significant role in the spread of antimicrobial resistance. In addition, the eae virulence gene seemed to be implicated in diarrhoea in breeder rabbits in Tunisia.