bluuebunny/crossref_metadata_2025 huggingface dataset:
Peran Pembiayaan Produktif BMT Mandiri Mulia Terhadap Peningkatan Kesejahteraan Anggota Perspektif Maqasih Syariah
Authors: Hidayatulloh Muhammad , Hapsari Meri Indri
Published: October 2020

The purpose of this study is to understand and analyze the role of BMT Mandiri Sejahtera Financing Productive for members welfare improvement. Method used in this study was descriptive qualitative approach with the case-study research. This research had analysis unit which were BMT Mandiri Sejahtera Financing Productive and welfare improvement of the members that received the financing activities.The result of this study was that the BMT Mandiri Sejahtera Financing Productive took role in improving the walfare of the members. Welfare was measured by using the 5 indicators of basic needs maintanance, based on maqashid syariah, which are the religion maintanance, life maintenance, upkeep sense, descendants maintenance, and property maintenance. The improvement of welfare experienced by the members were different. Generally, the walfare improvement of the members who received BMT Mandiri Sejahtera only happenedin several basic needs maintanance.
Kesesuaian Produk Gadai Emas Berdasarkan Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) di Bank Syariah Mandiri Surabaya
Authors: Wardhani Anggia Jancynthia Nurizki , Fanani Sunan
Published: October 2020

This study aims to determine the conformity of contract rahn based Fatwa DSN-MUI at Sharia Mandiri Bank Branch Office Dharmahusada Surabaya. Contract rahn at Sharia Mandiri Bank only be used for products BSM Gold Pawn. The method used is a qualitative approach using case study strategy. The research object is the Sharia Mandiri Bank.Results of this research based on five domains from the mechanism of implementation contract Rahn in Sharia Mandiri Bank Branch Office Dharmahusada Surabaya with Fatwa DSN-MUI. From these domains, there are four domains that have conformity with Fatwa DSNMUI, that was marhun utilization domain, maintenance and storage marhun, sale / auction marhun as well as the cost of Ijarah contract. While in the charge domain on marhun against the costs Ijarah in Sharia Bank Mandiri KCP Dharmahusada don’t have conformity based on Fatwa DSN No.25 / DSN-MUI / III / 2002 the second point number four.
Kesesuaian Operasional Produk Asuransi Syariah dengan Fatwa DSN MUI No:21/DSN-MUI/X/2001 (Studi Kasus AJB Bumiputera 1912 Cabang Surabaya)
Authors: Hidayat Rian Rahmat , Zaki Irham
Published: October 2020

Sharia insurance in Indonesia has experienced a fairly rapid development since the promulgation of MUI fatwa number:21/DSN-MUI/X/2001 about sharia insurance. However, that is still questionable is does the sharia insurance company really run the product operational based on MUI fatwa.This study aims to determine whether product operational of sharia insurance of AJB Bumiputera1912 is in conformity with the sharia rules to follow six indicator akkad, premi, claims, investment, reinsurance, and management of the fund from MUI fatwa or not.The research method is used is a case study with a qualitative descriptive approach. The data used in this study is that the data derived from primary data obtained from fieldwork and secondary data derived from the literature and a wide range of written document. This study using data derived from the management of sharia insurance AJB Bumiputera 1912 in the branch of Surabaya and sharia insurance participants of AJB Bumiputera 1912.The results of this research is operational products of sharia insurance of AJB Bumiputera 1912 were in accordance with Indonesian Ulama Council fatwa DSN Number:21/DSNMUI/X/2001. The suitability reflected from the existence of akkad tabarru’ and akkad tijarah as investment funds (mudharabah), management of premium funds based on sharia, claims fund based on first contract, investment made in accordance with the mandate of participants, then reinsurance process done only to sharia-based reinsurance company.
Etos Kerja Islami Pada Kinerja Bisnis Pedagang Muslim Pasar Besar Kota Madiun
Authors: Ramadhan Bagus Mohamad , Hadi Ryandono Muhamad Nafik
Published: October 2020

This research is aimed to figure out and explain the impact of Islamic work ethics on business performances of Moslem merchants in Pasar Besar in Madiun City. It also become the basic questions for the interview based on the side of the sales turnover, profit, market share and the number of labors.This research used the qualitative research method and case study as the strategy. Data collection was done by interviewing and observing the research object directly. The qualitative explanatory was used as the technique of analysis by explaining the results of the interviews and of the direct observations.The results of this research reveals some significant impacts of the Islamic work ethics on business performances of the Moslem merchants in Pasar Besar Madiun City. Merchants who implemented the values of the Islamic work ethics indicated positive impact of increased turnover, market shares and numbers of labors.
Efektivitas Promosi Melalui Radio Terhadap Kepatuhan Para Muzakki di Surabaya
Authors: Fadillah Firda Nur , Widiastuti Tika
Published: October 2020

This study aims to determine the effectiveness promotion through radio to obedience of muzakki channelling zakat at the zakat institute in Surabaya. This research is qualitative. The approach in this study using case study strategy. Characteristics of the informants in this study is muzakki distribute their zakat to zakat institutions in Surabaya and ever listen promotion of zakat institutions through radio. Informants in this study amounted to 9 muzakki. Technical data collection is done by using the interview method. After the data collected do data reduction, data presentation and conclusion (verification). The results showed that the promotion through radio by zakat institution in Surabaya improving obedience muzakki said to be effective. Effectiveness is measured by three indicators, there are muzakki understanding of zakat, zakat practice frequency, and amount of donation.
Pola Perilaku Konsumsi Islami Mahasiswa Muslim Fakultas Ekonomi dan Bisnis Universitas Airlangga Ditinjau Dari TIngkat Religiusitas
Authors: Putriani Yolanda Hani , Shofawati Atina
Published: October 2020

This research aims to know how Islamic Pattern Behavior Consumption of Students Faculty Economics and Business University Airlangga in in Choosing Halal Food and Thayyib reviewed by level of religiosity. The method that used is qualitative approach with a case study strategy. Data was collected by interviews and direct observation of the object research. The analysis technique that used is descriptive qualitative analysis that is narrating the results of interviews and direct observation. Based on the results of the study concluded that the Faculty of Economics and Business University Press Islamic behavior patterns of consumption good and there is no difference between students of each program of study. Suggestions for further research should deepen the Islamic consumption behavior of various faculties at the University of Airlangga.
Analisis Tren dan Perbandingan CAR, NPF, Pemenuhan PPAP, ROA, BOPO, Cash Ratio, dan FDR Pada Bank Syariah Mandiri dan Bank Muamalat Periode Desember 2004 Sampai Dengan Desember 2013
Authors: Imarvianti Archelia , Septiarini Dina Fitrisia
Published: October 2020

This research is to know the trend and the differences of financial performance between Bank Syariah Mandiri and Bank Muamalat in the periods of 2004-2013. This research used quantitative for the research method, purposive sampling for the sampling technique, Bank Syariah Mandiri and Bank Muamalat for the sample. This research conduct the trend analyzed,and conduct the comparative analyzed with independent sample t-test. This research used seven variables to evaluate the financial performance which was CAR, NPF, the fulfillment of PPAP, ROA, BOPO, cash ratio, and FDR.The trend analysis showed that Bank Syariah Mandiri has better progress on CAR, BOPO, cash ratio, and FDR, whereas Bank Muamalat has better progress on NPF, the fulfillment of PPAP and ROA. The comparative analysis showed that there are no differences on BOPO and cash ratio, whereas there are differences on CAR, NPF, the fulfillment of PPAP, ROA, and FDR.
Perbedaan Return Saham Pada Monday Effect di Bursa Efek Indonesia (Studi Pada Emiten Yang Masuk Dalam Perhitungan JII Selama Desember 2013 - Mei 2014)
Authors: Nugraha Wildan Aditya , Herlambang Leo
Published: October 2020

Monday effect is an information used by investors to adjudge their investment decision in accordance with some conditions. The condition is able to make changes into stock supply and demand. The change of stock supply and demand generate fluctuating stock return. The purpose of this research is to analyze the reaction of sharia capital market over the Monday effect depicted by the difference of stock return before and after Monday.This research uses event study approach, applied to JII listed issuers in December 2013 – May 2014. The 5-days observation period was used in this research which is consist of t-2 (2 days before Monday), t-0 (event date), t+2 (2 days after Monday). The hypothesis test was ran through paired sample t-test.In accordance with the statistic test result using significant rate (α) 5%, the probability of this research was 0,001 depicting the difference of stock return before and after Monday.
Analisis Pengaruh Indikator Ekonomi Dan Kinerja Perbankan Syariah Terhadap Penyerapan Tenaga Kerja Pada Perbankan Syariah Di Indonesia Tahun 2008-2014
Authors: Kasmiarno Kurnia Sari , Mintaroem Karjadi
Published: October 2020

This research aims to find out the relationship both simultaneosuly and partially of the eefect of PDB Real Bank, Syariah Banking Investment and the total of syariah banking financing towards the amount of employees in syariah banking. The approach used in this research is quantitative approach that uses multiple regression with Ordinary Least Square (OLS) method which has four variables that are PDB real bank, syariah banking investment and syariah banking financing as independent variables, meanwhile the amount of employees in syariah banking acts as a dependent variable. The result shows that all of the independent variables have positive/significant relationship towards the amount of employees in syariah banking in Indonesia between 2008-2014. . This shows that all of independent variables are able to explain the dependent variable accurately since the coefficient value obtained was high.
Perbandingan Financial Distress Bank Syariah Di Indonesia Dan Bank Islam Di Malaysia Sebelum Dan Sesudah Krisis Global 2008 Menggunakan Model Altman ZScore
Authors: Zulaikah Siti , Laila Nisful
Published: October 2020

This study aims to find out the comparison between the prediction of financial distress of Islamic Banks in Indonesia and that of Islamic Banks in Malaysia before and after the global crisis 2008 using quantitative method and purposive sampling. The prediction of financial distress was done by using Altman Z-score measuring. The technique used to examine the financial distress is Mann-Whitney, and for those after the crisis were examined using Independent sample T-test. The result of this research shows that there is a significant difference between Islamic banks in Indonesia and those in Malaysia either before or after the global crisis 2008 with 5% significance level. The Islamic banks in Indonesia are in secure zone either before or after the crisis. However, the Islamic banks in Malaysia are in grey areawhich cannot be made sure of the bankruptcy either before or after the crisis.
Penerapan Promotional Mix Pada Biro Perjalanan Umroh/ Haji Shafira Tour And Travel Surabaya Menurut Perspektif Islam
Authors: LD Kamilina Rhodiyah , Hasib Fatin Fadhillah
Published: October 2020

An Increasing number of jama'ah Umrah/Haj in Indonesia every year the show will be the enthusiasm of the congregation to worship in the Holy Land that is not uncommon travel agency action that defraud prospective pilgrims by providing false promotions. This study aims to determine how the promotional mix is right according to Islamic perspective.This study used a qualitative approach with case study method is the shafira Tour and Travel in Surabaya. Data collection techniques is a questionnaires, an interviews and a documentation.Based on the research results, the implementation of sixth promotional mix done by Shafira Tour and Travel compatible with the promotion of the Islamic perspective that is honest, Amanah, does not promote illicit goods and carry out advice based on the results of other studies, congregation only knew four of six promotional mix which is done is through ads, personal selling, sales promotion and WOM.
Dampak Ekonomi Terhadap Pendapatan Pedagang Kios Di Wisata Religi Makam Sunan Drajat Lamongan
Authors: Rohman Auliyaur , Fauzi Moh. Qudsi
Published: October 2020

This study aims to determine how the economic impact of religious tourism tomb of Sunan Drajat Lamongan on revenues stall traders. The economic impact of tourism generated economic activity of a region in the form of direct economic impact, indirect economic impact, and continued economic impact. The method used is descriptive qualitative approach. Informants in this study are the parties involved in tourism activities, namely tourists, merchants and workers. Technical analysis of the data used is the field analytical techniques and models Miles Hubeman. The direct economic impact of business owners in the form of revenue derived from tourist spending in the tourist locations, namely by 16%. Indirect economic impacts in the form of labor income received by 1.86%, while the continued economic impact is the expenditure of labor which is mostly used for daily needs and consumption.
Faktor-Faktor Yang Berpengaruh Terhadap Likuiditas Bank Syariah
Authors: Ichwan Muhammad Choirul , Nafik H.R Muhammad
Published: October 2020

This research aims to understand the influence of economic growth, rate of inflation, total funding, cost to income ratio, non performing financing, and financing to deposit ratio to liquidity of Islamic Bank. This Research uses a quantitative approach and a purposive sampling technique. The data used are collected through financial report of Islamic bank such as Muamalat Indonesia, BNI Syariah, BRI Syariah, Mandiri Syariah, and Mega Syariah period 2010-2014. Analysis of data is carried out by using the multiple linear regression analysis model. The result of this research is economic growth has significant to financing to deposit ratio.. This research suggests that to make the Bank not liquidity the Bank should increase the financing to deposit ratio.
Implemtasi Kualitas Pelayanan Pendekatan CARTER Dan Pengaruhnya Terhadap Kepuasan UJKS Koperasi Karyawan
Authors: Rohmati Dani , Fanani Sunan
Published: October 2020

Employee cooperative is the partner of Palapa Nusantara institution based on service quality that consists of sharia compliance, tangibles, reliability, responsiveness, assurance, and empathy.This study aimed to investigate the effect implementation service quality CARTER approach to the members’ satisfaction. The first data used were primary data collected though a survey by using questionnaires. Then, the primary data were supported by the secondary data in form of short interviews in order to obtain the maximal results. The results showed that the dimension of reliability and responsiveness partially have a significant effect on the level of members’ satisfaction. However, the dimensions of tangibles, assurance, empathy and the sharia compliance have no significant effect to satisfaction of the members. It means that the first hypothesis in this study is accepted. This study also found that reliability is the most influential service to the customers’ satisfaction of employee cooperative of Palapa Nusantara Surabaya.
PEMBERDAYAAN EKONOMI KARYAWAN PESANTREN OLEH KOPERASI AL-MAWADDAH STUDI KASUS PESANTREN PUTRI AL-MAWADDAH
Authors: Dewi Danty Safira , Widiastuti Tika
Published: October 2020

The research goal is to figure out the role of the Al-Mawaddah Islamic Girl Boarding School or Kiswah against economic empowerment employee of boarding school. The research method used is descriptive qualitative approach with case studies. Data collected by interviews and observations directly to the informant that is in charge of the cooperative and the community surrounding the village of Coper Jetis Ponorogo and secondary data collection is derived from the journal, text books and other literature.Results from this study is a Kiswah role in the economic empowerment of the employees but still less perfect or less than optimal. The employees economic empowerment conducted by the Cooperative Al-Mawaddah Islamic Girl Boarding School or Kiswah by making Kiswah as employment and to increase their income. Going forward, Kiswah will change the shape of this cooperative that previously was business cooperatives into credit unions or other forms of cooperatives.
Kesesuaian Mekanisme Pembiayaan Murabahah Produk KPR Menurut Fatwa DSN MUI Di Bank JATIM Syariah Surabaya Cabang Darmo
Authors: Kania P Dara Setianti , Faizah Siti Inayatul
Published: October 2020

This research aims to determine how the suitability of handling Murabaha financing problem house loan product at fatwa of the National Sharia Supervisory Board of the Indonesian Ulama Council (DSN-MUI) in Bank Jatim Sharia Surabaya. The object of the study are Bank Jatim Sharia’s competent employees which competent in murabaha financing. This study used qualitative descriptive approach. The researcher collected the data by interviewing three employees of Bank Jatim Sharia.This research finds that the six points which used as references in the study such as price, advance, fine, guarantee, and collectability murabaha financing of House Loan product are suitable with fatwa of the National Sharia Supervisory Board of the Indonesian Ulama Council (DSN-MUI). But, there is one which doesn’t suitable with fatwa.
Faktor Yang Berkontribusi Terhadap Jumlah Penerimaan Dana Zakat Pada Lembaga Zakat Di Kota Surabaya
Authors: Nugroho Farid , Widiastuti Tika
Published: October 2020

The aim of this study is to determine and analyze the contribution of technological factor, accessibility factor, credibility factor, and programs factor of zakat institutions to the zakat funds revenue received by zakat institutions in Surabaya. This study used a qualitative approach with case study strategy. Data collected through interviews with informants and direct observation to the object of the research. The result of this study is there are several factors that have important contribution to zakat revenue at zakat institution in Surabaya. The researcher found accessibility, credibility and zakat collection program during Ramadhan have important contribution to the revenue of zakat funds, while technology has not been widely used by muzakki to make payment of zakat.
Pengaruh Pembiayaan Sektor Ekonomi Primer, SEKTOR Ekonomi Sekunder, Dan Sektor Ekonomi Tersier Terhadap Non Performing Financing (NPF) Pada Perbankan Syariah Di Indonesia Periode 2010-2015 (Maret)
Authors: Mufidah Imro Atul , Hasib Fatin Fadhilah
Published: October 2020

The purpose of this study is to find out the influence of financing primary sector, secondary sector, and tertiary sector toward Non Performing Financing (NPF) of Islamic Banking In Indonesia. Quantitative approach applied in this study as a research method. Furthermore, a technique of data analysis used is multiple linier regression to analyse the impact of independent variable toward dependent variable. The independent variable are financing primary sector, secondary sector, and tertiary sector. Meanwhile, NPF is the dependent variable. The result of the study shows that financing partially in primary sector influenced NPF significantly. Whereas, partially secondary sector and tertiary sector did not influence significantly to NPF. The result of simultance test indicated that the growth of financing primary sector, secondary sector, and tertiary sector influenced significantly to NPF of islamic banking.
Proses Kegiatan Penghimpunan Dan Distribusi Wakaf Tunai Di Baitul Maal Hidayatullah Surabaya
Authors: Afdhal Muhammad , Faizah Siti Inayatul
Published: October 2020

This research adopts a qualitative approach with case study methodology. Data collection is done through carrying out interview with informants such as branch manager, financial manager, marketing staffs and several donators of Baitul Maal Hidayatullah. Secondary data comes under the form of documents pertaining to the practice performed by Baitul Maal Hidayatullah. The pattern matching technique is then used to compare patterns based on empirics with the predicted patterns. Cash waqf funds are collected through direct and indirect means. The collection of cash waqf funds by Baitul Maal Hidayatullah are in accordance with the procedures set out by Badan Wakaf Indonesia which are, analysis of needs, waqif profile identification, the product of waqf, and the transactional cost. The distribution of cash waqf funds by Baitul Maal Hidayatullah are in accordance with what has been ordained by the Direktorat Pemberdayaan Wakaf, which includes, waqf distribution for education and social services.
Analisis Pengaruh Variabel Makro Ekonomi Dan Harga Komoditas Terhadap Jakarta Islamic Index (JII)
Authors: Fitriyanti Ika , Herlambang Leo
Published: October 2020

The purpose of this research is to determine the effects of macroeconomic variables to Jakarta Islamic Index in the period January 2013 – October 2015. The results of this research show that in partially world gold price (X1) does not have a significant influence to Jakarta Islamic Index (Y) which is indicated with t-test a significance value of 0.982. World oil price variable (X2) partially does not have a significant influence to Jakarta Islamic Index as evidenced by t test significant value of 0.090. Exchange Rate (X3) partially has a significant influence to Jakarta Islamic Index as evidenced by t test significant value of 0,003. Interest rate of Bank Indonesia (X4) has no significant influence to Jakarta Islamic Index as evidenced by t test significant value of 0.405. The result of all variables simultaneously have significant influence to Jakarta Islamic Index as evidenced by f test significant value of 0.03.
Politik Anggaran Pemerintah Daerah Perspektif Maqasid Syari'ah: Studi Analisis Sektoral Pada APBD Kabupaten Bangkalan Tahun 2013-2015
Authors: Fitriyah Sayyidatul , Fauzy Moh. Qudsi
Published: October 2020

This research is conducted with a purpose to analyze the political budgets of Bangkalan regency in fiscal year 2013 to 2015 using maqāsid syari’ah perspective that is the adequate society of basic needs related with the protection of religions, lifes, intelligence, descendants, and wealth. The method used in this research is descriptive qualitative methods by the analyzed domain to observe the priority of government’s budgeting. The data is collected by interviews after obtaining all the realization data of budgeting in maqāsid syari’ah.The result of this research is shown that Bangkalan’s political budgeting of fiscal in 2013 to 2015 it had not depicted yet in the proper level of maqāsid syari’ah.
Pengaruh Sertifikat Bank Indonesia Syariah (SBIS), Jakarta Islamic Index (JII), Tingkat Inflasi, dan Index Harga Saham Gabungan (IHSG) Terhadap Nilai Tukar: Pendekatan Autoregressive Distributed LAG (ARDL)
Authors: Fadhilah Nur , Sukmana Raditya
Published: October 2020

This study aims to review the effect of macro economic factors such as BankIndonesia Sharia Certificates (BISC), Jakarta Islamic Index (JII), Inflation, and Indonesia Composit Index (ICI) Against Exchange Rate of Rupiah Period 2013-2016 both long term and short term. This quantitative research used Autoregressive Distributed (ARDL) method. The data used is secondary data by collecting data from official website of Bank Indonesia, Yahoo Finance and PT. IDX) period 2013 to 2016. ARDL results show that In the short term variable JII, ICI, and BISC have a significant negative effect which means increaseing the variable will cause the Rupiah appreciate against the US Dollar. While variable Inflation has a positive value which means rising inflation will lead the Rupiah depreciate. In the Long run BISC and JII variable is negative and significant, while ICI is positive and inflation is negative not-significant.
Perbandingan Tingkat Bagi Hasil Simpanan Mudharabah dan Modal Sendiri Antar Bank Umum Syariah di Indonesia Periode 2012-2015
Authors: Kurniawan Andre , Hendratmi Achsania
Published: October 2020

This study aims to know the return level which is given to capital stockholders and also customers or clients that use ‘aqd mudharabah between islamic banks. Return represents that a bank can manage its fund well by giving satisfying return to capital stockholders and customers or depositors. This research compares ROE and ROMD inter-islamic banks. This research uses quantitativ-comparative method and it uses six islamic banks, and then, the researcher did different test of ROE and ROMD to it. Different test of ROE uses Kruskal-Wallis and Mann-Whitney tests, while different test of ROMD uses ANOVA and LSD tests. The result of ROE different test shows that there is a significant difference between one islamic bank to the others in Indonesia. The result of ROMD different test shows that there is no a significant difference between one islamic bank to the others in Indonesia.
Wakaf Produktif Dalam Pemberantasan Kemiskinan Melalui Pemberdayaan Ekonomi di Yayasan Nurul Hayat Surabaya
Authors: Anas Azwar , Ryandono Muhammad Nafik Hadi
Published: October 2020

This research aims to determining howthemanagement of waqf productive economic empowerment of the poor. The results showed that the Yayasan Nurul Hayat Surabaya haveconducted productive endowments that participate in empowering the poor economy in the city of Surabaya. Endowments managed productively channeled through several programs among which Matabaca and also Bunda Yatim. Economic empowerment strategy taken in the management of productive endowments made through the approach of the religious side. Before accepting funding capital endowments, beneficiaries are required to attend regular lectures held Yayasan Nurul Hayat Surabaya within a period of 1 year. Endowment fund so that recipients are not only more economically independent, but also increased in terms of religion.
Faktor-Faktor Yang Mempengaruhi Capital Adequacy Ratio (CAR) Bank Umum Syariah di Indonesia
Authors: Andhika Yeano Dwi , Suprayogi Noven
Published: October 2020

Capital adequacy regulation imposed on banks, including Islamic banks, is part of the regulators’ efforts to ensure that banks have adequate capital in order to get them prepared facing the risks that might arise in their operations. This research aims to find the effects of Islamic banks’ specific variables on Capital Adequacy Ratio (CAR), the capital adequacy indicator in banks.Using panel data regression, this research investigates the possible effects of four bank spesific variables which are Bank Size (LNSIZE), Non-Performing Financing (NPF), Return on Equity (ROE), and Financing to Deposit Ratio (FDR) on Capital Adequacy Ratio (CAR). There are 11 Indonesia’s Islamic commercial banks during 2011 to 2015 used as sample. As Fixed Effect Model (FEM) chosen to be the estimation model, this research indicates that LNSIZE, NPF, ROE and FDR have significant effects on CAR with different level of significance.
Analisis I-HDI (Islamic-Human Development Index) di Jawa Timur
Authors: Septiarini Maya Masita , Herianingrum Sri
Published: October 2020

This research aims to analyze the human development achievement in East Java in 2010-2014 which is measured based on islamic-human development index. This research also compares towards the human development achievement based on HDI (Human Development Index) and I-HDI. The research method used in this research is descriptive qualitative with 11 secondary data from BPS/Central Statistic Body and two calculation data from I-HDI. The result from the calculation of I-HDI shows that the majority of cities kota/regencies in East Java during 2010-2014 were in mid end to low end category, with relatively far disparity among regencies/cities. Meanwhile, from the result of calculation of HDI, mostly the human development achievement in East Java were in mid end to high end category. This explains that I-HDI is more comprehensive in measuring the human development achievement compared to I-HDI.
Pengaruh Variabel Makro Terhadap Nilai Tukar Rupiah Atas Dolar AS Periode 2012-2015
Authors: Permatasari Yessica Tri , Rosyidi Suherman
Published: October 2020

The aim of this research was to determine the influence of money supply, reward for Indonesian sharia Bank certificate (SBIS), import and export to the rupiah exchange rate on the US dollar during 2012-2015. The research methods used was quantitative method with multiple linear regression analysis. The data used in this study was secondary monthly time series data in time during 2012 - 2015. Data in this research were obtained from Central Bureau of Statistic (BPS) and Indonesian Economic and Financial Statistic (SEKI). The result of this study indicate that partially, the money supply and reward for SBIS has significant impact on the rupiah exchange rate on the US dollar during 2012-2015, while import and export has no significant effect on the rupiah exchange rate on the US dollar during 2012-2015. Simultaneously, money supply, SBIS return rate, import and export had significant effect to the rupiah exchange rate on the US dollar during 2012-2015.
Kesejahteraan Karyawan Perspektif Maqashid Syariah Pada Pusat Penelitian Kopi dan Kakao
Authors: Enggardini Rohma Vihana , Fauzy Moh. Qudsi
Published: October 2020

The purpose of this study is to determine the economic impact in improving the welfare of employees Coffee and Cocoa Research Center Indonesia when viewed through the perspective of maqashid sharia. The method used is a qualitative approach, a strategy case studies and descriptive analysis techniques are collecting data through interviews and observations of informants. Informants are employees working at the Coffee and Cocoa Research Center Indonesia amounting to nine people. The Results from this study is economic impact and fulfillment of welfare for employees at the Coffee and Cocoa Research Center still ranks necessities. Five indicators used in this study is maqashid syariah can be met by almost all employees. The economic impact can be seen, among others, the changes experienced by the employee, the changes are seen from the increased monthly income,expenditure control, insufficient subsistence, and increasing assets and preparation for future family prepared before retirement arrives.
Perbandingan Pembentukan Gap Sensitivitas Pada Bank Syariah Mandiri (BSM) dan Bank Mega Periode 2011-2015
Authors: Askarullah Muhammad Wasiqul Firdaus , Hendratmi Achsania
Published: October 2020

Interest rate risk arise when there was a gap between assets and liabilities so the purpose of this study was to determine the position of the gap formed at Bank Syariah Mandiri (BSM) and Bank Mega and analyze the difference in the formation of gap based on the period of sensitivity ≤ 1 month, > 1-3 months, and > 3-12 months.This was a quantitative research with comparative study which uses sensitivity gap analysis to identify the position of the gap were formed and conduct the comparative analyzed with independent sample t-test and Mann-Whitney. The data being used was secondary data from Maturity Profile which contained in the Annual Financial Report of BSM and Bank Mega in the periods of 2011-2015.The results showed that in BSM, cumulatively, the formation of the gap in the periods of 2011-2015 was negative gap. Likewise at Bank Mega, the cumulative gap formation in the periods of 2011-2015 was negative gap. From the results of independent sample t-test and Mann-Whitney known that the formation of the gap in BSM and Bank Mega for a period of sensitivity of ≤ 1 month and> 1-3 months showed a significant difference, while the period of sensitivity> 3-12 months there was no difference significant.BSM suffered exposure to interest rate risk higher than the Bank Mega as the asset structure is dominated by Murabaha Financing (fixed rate) with long term (> 12 months) while liabilities dominated by Mudharabah Deposits (variable rate) with short-term (<12 months).
Penyaluran Dana ZIS dan Tingkat Inflasi Berpengaruh Terhadap Pertumbuhan Ekonomi Indonesia Periode 2011-2015
Authors: Anggraini Rachmasari , Widiastuti Tika
Published: October 2020

This study aims to analyze the influence of ZIS fund's and inflation towards the economic growth in Indonesia during 2011-2015. The research method is quantitative method with multiple linear regression technique. The data used is the collected secondary data of remittances of ZIS from BAZNAS (national amil zakat agency) and inflation rate of BI (Bank of Indonesia) in Indonesia during 2011-2015 that includes monthly data all over Indonesia. The results of the research indicates that the funds of ZIS (X1) affects positively and significantly towards Indonesia's economic growth and inflation (X2) do not affect significantly to economic growth in Indonesia as well as ZIS fund and the inflation simultaneously affected the economic growth significantly during 2011-2015 in Indonesia.
Pemberdayaan Ekonomi Anggota Koperasi Jasa Keuangan Syariah Melalui Produk Pembiayaan di Koperasi Simpan Pinjam dan Pembiayaan Syariah Muamalah Berkah Sejahtera Surabaya
Authors: Bagus S Ardian Dwi , Ryandono Muhammad Nafik Hadi
Published: October 2020

The cooperation of sharia microfinance institutions that have a role and function of the build and develop potential and economic ability members in particular and the society in general to improve the economic and social welfare. The aim of this research is to find out the role of cooperation sharia financial services in economic empowerment of its members. The approach that is used is qualitative approach by case study as a strategy. In the technique of data collection using the techniques of interview directly to the related objects. This research indicated that the cooperative savings and financing sharia convenient Muamalah Berkah Sejahtera Surabaya has a role in the economic empowerment members through financial products by offering the financing products, with various desired model by its members and the most important thing is that these products are using the contract according to the Islamic Law.
Analisis Efisiensi Asuransi Umum Syariah di Indonesia Tahun 2013-2015: Aplikasi Metode Data Envelopment Analysis (DEA)
Authors: Ningsih Yulia Wahyu , Suprayogi Noven
Published: October 2020

This study aims to analyze the efficiency of sharia general insurance companies in Indonesia. The input variables used are total assets, expenses, and payment of claims, while the output variable is the income and tabarru’ funds. The method were used to measure the level of efficiency is the Data Envelopment Analysis (DEA) with the assumption of Variable Return to Scale (VRS) with input and output orientation. The samples are 12 sharia general insurance companies during 2013-2015. The results of the study indicate that the average result of DEA analysis for the entire DMU (Decision Making Unit) has not been efficient. The average value of economic efficiency (CRS) by 0.978, technically efficiency (VRS) for 0.925, and scale efficiency for 0.945. Source of inefficiency sharia insurance company is the scale of operations and management of input to output is not optimal.
KINERJA PROGRAM KELOMPOK USAHA MANDIRI (KUM) YAYASAN DANA SOSIAL AL-FALAH TERHADAP PERLINDUNGAN MAQASHID SYARIAH
Authors: Laksono Lazuardi Azhari , Fauzi, M.M. R. M. Qudsi
Published: October 2020

This study is done to know the performance of Yayasan Dana Sosial Al-FalahIndependent Business Groups (KUM) program toward maqashid syariah protection. The background of the study is accountability responsibility of LAZ over funding management of ZIS which entrusted to benefactor of LAZ especially YDSF. In this case, the quality of performance which talked about is the protection toward maqashid syariah which receives funding from Independent Business Groups program. This study is a qualitative research. The approach of this research uses case-study strategy. The data collection used in this study is interview method; after collecting data, it is continued with reducting data, presenting data, and drawing conclusion. The research shows that YDSF Independent Business Groups program with various activities within has a performance with good criteria. Its good performance is measured withprotected several aspects from mustahiq of YDSF Independent Business Groups, those aspects are; religion, intellectual, and wealth.
SISTEM PENGUPAHAN OUTSOURCING DALAM PERSPEKTIF ISLAM (STUDI KASUS PADA PT. MAHAKAM KENCANA INTAN PADI SURABAYA)
Authors: Alim M. Sahirul , Herianingrum Sri
Published: October 2020

This study aims to analyze the implementation of wage system outsourcing in PT Mahakam Kencana Intan Padi Surabaya in Islamic Perspective. Methods of research for this study used a qualitative approach with case study methods and descriptive analyzes were conducted information about wage system outsourcing in PT Mahakam Kencana Intan Padi Surabaya in depth, observed and validated data by triangulation. The results showed that implementation of oursourcing labor remuneration at PT Mahakam Kencana Intan Padi Surabaya in Islamic Perspective according based Al-Quran and Al-Hadith. The indicators used by the terms of feasibility of minimum wages and equity among workers. Insights justice in Islamic perspective is described comparative labor positions corresponding salaries earned. Payment of salaries in PT Mahakam Kencana Intan Padi accordance timelines. PT Mahakam Kencana Intan Padi is not sharia company but the results of the research conclusion is the wage system in PT Mahakam Kencana Intan Padi according Islamic perspective.
Socio-economic, demographic and health determinants of the coronavirus pandemic: Analysis of data from OECD countries
Authors: KOÇ İsmet , SARAÇ Melike
Published: October 2020

Objective: The main objective of this study was to examine the socio-economic, demographic and health determinants affecting the number of coronavirus cases, the number of coronavirus deaths, case fatality rates per 1,000 cases and coronavirus deaths per 1,000,000 population in OECD countries. Methods: The study was undertaken using 20 different independent variables and 4 different dependent variables, which were all obtained from the OECD and WHO databases. The study utilizes multiple linear regression statistical techniques to reveal the socio-economic, demographic and health determinants of the coronavirus pandemic. Results: The findings of the study show that higher shares of current expenditure on health in GDP, higher prevalence of obesity among adults, higher percentage of raised blood glucose levels among adults and the stringency index (which indicates the extent of the measures taken by the government related with the coronavirus outbreak) are influential on both the number of coronavirus cases and deaths in OECD countries. Increased case fatality rates seem to be closely related to the stringency index, higher share of current expenditure on health in GDP and higher percentage of tobacco users among adults in OECD countries. On the other hand, factors such as the stringency index, higher life expectancy at birth, higher use of tobacco and higher share of current expenditure on health in GDP are effective on the coronavirus death rate per 1,000,000 population. Conclusions: The demographic, economic, political and health factors that determine the current number of coronavirus cases and deaths indicate that the pandemic as a public health problem cannot be eliminated only with health interventions and that multi-dimensional policies are needed.
Modeling, Vibration Analysis and Fabrication of Micropumps Based on Piezoelectric Transducers
Authors: Guan Yanfang , Meng Xiangxin , Liu Yansheng , Bai Mingyang , Xu Fengqian
Published: October 2020

The parametric and vibrational characteristics of PZTs (Piezoelectric Transducers) with different diameters before and after coupling are discussed by finite element analysis. It is shown that the vibration stability of the piezoelectric transducer decreases with increasing driving frequency. The PZT's variation of maximum displacement with frequency shows the same trend for different driving conditions according to vibration measurement under conditions of both free and forced vibration (before and after sealing with the pump body). The maximum displacement under forced vibration is less than that under free vibration. The maximum displacement is inversely proportional to the diameter of the transducer and directly proportional to the driving voltage under both free and forced vibration. Micropumps with diffuser/nozzle microvalves are designed and fabricated with different external diameters of the PZTs. Finally, the flow rate and pressure of the micropumps are measured, which are consistent with the vibrational results. Moreover, the maximum displacement is larger under a square-wave driving signal, followed by a sine-wave signal, and then a triangle-wave signal. For a PZT with an external diameter of $12$ mm, the maximum flow rate and pressure value are $150$~$upmu$l/min and $346$ Pa, respectively, under sine-wave driving at $100$ Vpp driving voltage.
Identification of Vibration Modes of Quartz Crystal Plates with Proportion of Strain and Kinetic Energies
Authors: Huang Qi , Wu Rongxing , Wang Lihong , Xie Longtao , Du Jianke , Ma Tingfeng , Wang Ji
Published: October 2020

For the design of quartz crystal resonators, finding and determining the vibration modes have always been very important and cumbersome. Vibration modes are usually identified through plotting displacement patterns of each coupled modes and making comparisons. Over the years, there is not much improvement in the identification procedure while tremendous efforts have been made in refining the equations of the Mindlin plate theory to obtain more accurate results, such as the adoption of the Finite Element Method (FEM) by implementing the high-order Mindlin plate equations for efficient analysis. However, due to the old fashioned mode identification method, the FEM application is still inadequate and cannot be fully automated for this purpose. To have this situation improved, a method using the proportions of strain and kinetic energies to characterize the energy level of each vibration mode is proposed. With solutions of displacements, the energy distribution of each vibration mode is calculated and the mode with the highest energy concentration at a specific frequency is designated as the dominant mode. The results have been validated with the traditional approach by plotting mode shapes at each frequency. Clearly, this energy approach will be advantageous with the FEM analysis for vibration mode identification automatically.
Sensory characterisation of wines without added sulfites via specific and adapted sensory profile
Authors: BARBE Jean-Christophe , Pelonnier-Magimel Edouard , Windhotz Sara , Masneuf Pomarède Isabelle
Published: October 2020

Aim: In the few past years, consumer expectation has shifted toward low-additive foodstuffs. In the wine industry, this has been evidenced by the development of wines without any added SO2 during the winemaking process, including bottling. This has also led to the development of alternative methods to replace SO2 for winemaking, which, alongside the dearth of studies on these new production methods, raises the question of the sensorial impact of sulfites and sulfite alternatives on wines after aging.Methods and results: Wines were made from Merlot N. grapes at two different maturity levels, with or without SO2 addition throughout the whole process. From the same batch, wines were also produced with bioprotection applied to the harvest only as an alternative to SO2. Sensory evaluation was performed after two years of aging, with the development of specific and adapted training methods to determine the sensory profile of the wines. In this way, a high sensory proximity between wines without SO2 (whether produced with bioprotection or not) was highlighted, and they were described as significantly different from wines with SO2. Conclusion: This approach demonstrated that, for expert tasters and despite the use of bioprotection, wines without SO2 had specific sensory characteristics compared to wines with SO2.Significance of the study: This study was a first sensory step towards characterising wines produced without any added SO2. In future work, it could be used to highlight chemical compounds associated with sensory descriptors discriminating between them.
Early cognitive function changes after dexmedetomidine added to propofol-based sedation for gastrointestinal endoscopy
Authors: Chen Lei , Lin Bi , Wu Fangyuan , Zhao Xiyue , Jin Lida , Lin Lina
Published: October 2020

Research Square has withdrawn this preprint.
Risk Factors Associated With Infection of Blood-Borne Virus among People Who Used Methamphetamine
Authors: Cai Yilin , Dai Zheng , Wen Sijin , Bhandari Ruchi
Published: October 2020

Background: The surge of methamphetamine use has been a complicating factor compounding the steeply increasing number of drug overdose deaths in the U.S. Infection from blood-borne viruses including hepatitis B virus (HBV), hepatitis C virus (HCV) and HIV, related to methamphetamine use continue to grow. This study aims to examine the risk factors associated with HBV, HCV and HIV among people who used methamphetamine. Methods: People who ever used methamphetamine were identified from five National Health and Nutrition Examination Survey (NHANES) cohorts, 2007 to 2016. The outcome was either positive or negative for blood-borne viruses as identified from laboratory tests. Weighted statistics for the combined ten years of data were calculated by multiplying the weighted variable for laboratory measurements by 0.2. We examined the association of sexual activities (sexual partners, sexual identity), drug use behaviors (poly-drug use, injection drug use, frequency of drug use, age started using methamphetamine), demographics, and socio-economic status with blood-borne viruses using bivariate and multivariable logistic regression models. Results: There were 1132 participants representing approximately 11,996,319 persons who ever used methamphetamine in the U.S. Blood-borne viruses’ positive rate was 13.0 per 100,000. Multivariable logistic regression analyses showed significant associations of blood-borne infections with age 40-49 years (vs. age 20-29 years, adjusted odds ratio 4.77, 95% CI 1.11–20.55), age 50-59 years (vs. age 20-29 years, 10.25, 2.40-43.82), living within poverty index 1-1.9 (vs. poverty index >=2, 2.55; 1.19–5.49), living below the poverty threshold (vs. poverty index >=2, 2.55; 1.11 – 5.86), having lower than high school education (vs. equal or higher than high school education, 3.13; 1.51 – 6.46), sexual identity as other than heterosexual (vs. heterosexual, 5.60; 1.72 – 18.28), using methamphetamine and heroin and cocaine (vs. using methamphetamine alone, 4.24; 1.06 – 16.92), injection drug use (vs. no injection drug use, 3.15; 1.61 – 6.16), and started using methamphetamine at age above 25 (vs. started using methamphetamine at age between 10-17, 2.09; 1.01 – 4.35). Conclusions: Among people who use methamphetamine, those who use polysubstance, or who inject substances, are in urgent need for vaccination and interventions to avoid further harm from blood-borne infections.