bluuebunny/crossref_metadata_2025 huggingface dataset:
Coordinating Institutes of Innovative Development in Germany
Authors: Шестакович А.Г.
Published: July 2024

В статье описывается институциональная структура управления научно-технологическим развитием в Германии как одной из лидирующих стран в построении инновационной экономики с целью выявления институтов и институциональных механизмов, которые могут стать образцовыми для заимствования в России.

The article describes the institutional structure of management of scientific and technological development in Germany as one of the leading countries in the construction of an innovative economy, in order to identify institutions and institutional mechanisms that can become exemplary for borrowing in Russia.
Russian Context of the Development Trend of Credit Behavior of the Population
Authors: Байгузина Л.З.
Published: July 2024

В статье исследуются особенности кредитного поведения населения на российском уровне. Обоснована актуальность этого вопроса для развития рынка финансовых услуг в целом по стране, проанализирована российская динамика формирования и развития кредитного поведения населения. Выявлены основные этапы, особенности и тенденции этого процесса. Показано, что кредитное поведение граждан в период 2013 2019 гг. складывалось в условиях формирования и развития рыночных механизмов оказания финансовых услуг, укрупнения банков, увеличения объемов кредитования населения с последующим ростом задолженности физических лиц. Выводы, изложенные в статье, могут быть использованы как рекомендации, которые помогут оздоровить национальную финансовую систему и совершенствовать кредитное поведение населения.

The article explores the features of credit behavior of the population at the Russian level. The relevance of this issue to the development of the financial services market in the whole country is substantiated, the Russian dynamics of the formation and development of credit behavior of the population is analyzed. The main stages, features and trends of this process are identified. It is shown that the credit behavior of citizens in the period 2013 2019 evolved in the conditions of formation and development of market mechanisms for the provision of financial services, consolidation of banks, increase in lending to the population with a subsequent increase in the debt of individuals. The conclusions set forth in the article can be used as recommendations that will help improve the national financial system and improve the credit behavior of the population.
Risk Analysis of Accounting Information Misstatement at Oil Products Supply Enterprises
Authors: Шамонина Т.П.
Published: July 2024

Статья посвящена вопросам учета и достоверности данных остатков нефтепродуктов, характерных для предприятий нефтепродуктообеспечения, и вопросам минимизации рисков, связанных искажением учетной информации.

The article is devoted to the issues of accounting and reliability of data on oil product residues characteristic of oil product supply enterprises and issues of minimizing risks associated with distortion of accounting information.
Rehabilitation of Patients Suffering from Lung Cancer During and After Special Treatment
Authors: Сенецкий С.В. , Малькевич В.Т.
Published: July 2024

В современном обществе, учитывая распространенность онкологических заболеваний легкого, имеет место не только специальное лечение, но и дальнейшее ведение пациента, в том числе проведение специальных и индивидуальных реабилитационных мероприятий, что играет важную роль в выздоровлении пациента, повышает функциональные резервы дыхательной и сердечно-сосудистой системы, способствует увеличению двигательной активности, повышению качества жизни и обеспечивает возврат к посильной трудовой деятельности.

In modern society, given the prevalence of cancer of the lung, there is not only a special treatment, but also further management of the patient, including the implementation of special and individual rehabilitation measures, which plays an important role in the recovery of the patient, increase the functional reserves of the respiratory and cardiovascular system, contributing to an increase in motor activity, improving the quality of life and ensuring a return to gainful employment.
Registro de Agonoscena succincta (Heeger, 1856) (Hemiptera: Aphalaridae) en Ruta chalepensis L. (Sapindales: Rutaceae) en Chile
Authors: Cisternas A. Ernesto , Solari E. Catterina , Torres P. Andrea , Osman Aart M.
Published: July 2024

Se presentan nuevos registros de Agonoscena succincta en las regiones de Coquimbo, Valparaíso y Metropolitana de Santiago ubicadas en la subregión central de Chile, atacando a Ruta chalepensis (ruda), planta medicinal perenne de origen europeo naturalizada en el país. Los adultos se obtuvieron mediante la cría a partir de huevos y ninfas obtenidas desde el follaje de R. chalepensis. Se entrega una diagnosis y fotografías del insecto para facilitar su reconocimiento.
Apakah Komunikasi, Informasi, dan Edukasi (KIE) Berpengaruh pada Pengetahuan Pasangan Usia Subur dalam Pemakaian Alat Kontrasepsi Jangka Panjang?
Authors: Komsiyah  , Nur Kumalasari Dian , Dita Handayaningtyas Ayu , Sumarno
Published: July 2024

Pasangan usia subur merupakan target dari program keluarga berencana untuk dapat memilih alat kontrasepsi yang tepat. Banyak pilihan alat kontrasepsi yang ditawarkan kepada masyarakat, namun  masih banyak masyarakat yang belum mempunyai pengetahuan cukup tentang jenis dan manfaat pemakaian alat kontrasepsi. Penelitian bertujuan menganalisis pengaruh komunikasi,  informasi dan edukasi terhadap tingkat pengetahuan pasangan usia subur tentang pemakaian alat kontrasepsi jangka panjang. Jenis penelitian kuantitatif dengan  pre-experimental design tipe one group pretest-posttest (tes awal-tes akhir kelompok tunggal). Sampel sebanyak 85 responden dengan menggunakan teknik total sampling. Hasil analisis uji Wilcoxon non parametris diketahui bahwa terdapat pengaruh komunikasi, informasi dan edukasi terhadap tingkat pengetahuan pasangan usia subur (PUS) dalam pemakaian metode kontrasepsi jangka panjang dengan nilai ρ = 0,008. Ada pengaruh komunikasi, informasi dan edukasi terhadap tingkat pengetahuan pasangan usia subur dalam pemakaian metode kontrasepsi jangka panjang. Perlu adanya kegiatan komunikasi, informasi dan edukasi yang masif pada kelompok usia subur dalam mengenalkan alat kontrasepsi jangka panjang.
فاعلية سياسة الأمن اللغوي في الحفاظ على الهُوية الوطنية العُمانية
Authors: Al Ghusaini Zahir Badar
Published: July 2024

الأهداف: هدف هذا البحث إلى تعرُّف فاعلية سياسة الأمن اللغوي في الحفاظ على الهُوية الوطنية العُمانية سعيًا إلى تحريك الوعي الوطني بأهمية حماية اللغة العربية في النسق التداولي اليومي في سلطنة عُمان.
المنهجية: جرى اتباع المنهج الاستقرائي من خلال وضع ملاحظات حول الواقع التداولي للغة العربية في المجتمع العماني، واستقراء هذا الواقع بهدف وضع حلول قابلة للتطبيق تضمن التوظيف السليم للغة العربية.
النتائج: أكَّدت النتائج أهمية رسم السياسات التي تضمن وجود أمن لغوي، واحترام النسق التداولي اليومي باللغة العربية في سلطنة عُمان، بما يُحافظ على الهُوية العمانية التي تُمثل اللغة مرتكزها الأساس، وضرورة إنشاء مَجْمَع عماني للغة العربية، وأن تشعر المؤسسات الحكومية والخاصة في سلطنة عُمان بمسؤوليتها تجاه تعزيز المواطنة اللغوية من خلال التداول اللغوي السليم في واقعها الإداري، وحتمية وجود هُوية لغوية تخصصية لكل مؤسسة حكومية أو خاصة تضمن الاستعمال الصحيح للمصطلحات اللغوية ذات العلاقة بمهام الجهة واختصاصاتها.
الخلاصة: وضَّح البحث بعد استقراء واقع اللغة العربية في النسق التداولي اليومي بسلطنة عُمان أن سياسة الأمن اللغوي لن تتأتى دون تخطيط لغوي يحافظ على التداول اللغوي السليم في المجتمع العُماني، على أن تتولى الجهات التنفيذية في مؤسسات الدولة مسؤولية تطبيقها الإجرائي.
ANALYSIS OF PHONOLOGICAL ERRORS IN FRUIT BUYERS AT KARANGPUCUNG MARKET
Authors: Renovriska Melia Dwi
Published: July 2024

The main purpose of this study is to investigate mistakes in phonology. Phonology is the aspect of language concerned with the sound system that is produced by human speech organs. Mistakes in phonology take place when words spoken by the speaking tools do not correspond to their intended pronunciation, thus affecting the diversity of oral and written forms of a language. Specific errors encompass phoneme deletion and addition. Therefore, there is a necessity for error analysis in language so as to recognize and assess them for useful teaching and learning techniques in schools. The data used in this research consists of errors made at the phonological level which were observed among fruit buyers at Karangpucung market while source data refers to utterances made by these participants in this market. Consequently, this study employs a qualitative descriptive design, listening to conversations containing phonological errors using note-taking to record these language errors at the said level.
THE FUNCTION OF RIVERS FOR SOCIETY IN THE SHORT STORY “GAGAL LANDING” BY ACHMAD SUPARDI
Authors: Rifki Sugiarto Septian , Amelia Anggraeni Rezki
Published: July 2024

Rivers, being an important element in human life, are often depicted in literary works. One of the literary works that depicts the relationship between rivers and society is the short story “Gagal Landing” by Achmad Supardi. First published in Jawa Pos on January 28th, 2018, the short story shows how the Brisbane River and the Martapura River contribute to the local society. This article explains the comparison of the functions of the Brisbane River in Australia and the Martapura River in Indonesia for society's daily lives. The approach used in this research is sociological literature with interpretive analysis as a data analysis technique. The results obtained show that the Brisbane River and Martapura River have an important role in society and can provide positive benefits for their lives. The Brisbane River functions as a place for pastime, relaxation, and gathering, as well as a waterway transportation route. Its existence can relieve stress, improve mental well-being, release tension, and provide the opportunity for urban society to enjoy moments of happiness. Meanwhile, the Martapura River functions as a waterway transportation route as well as a center for economic and social activities in the surrounding society because of the floating market. The floating market on the Martapura River plays an important role in maintaining and promoting local cultural and culinary heritage.
AN ANALYSIS OF PSYCHOLOGY CHARACTERS IN NOVEL “BUKAN PELAJAR BIASA” BY SHANDY TAN
Authors: Momo Lidia Lali
Published: July 2024

This research aims to describe the psychology of the characters in the novel "Not an Ordinary Student" by Shandy Tan with literary psychology approach. The method used is a qualitative descriptive method, namely analyzing descriptive data by presenting and describing something that exists. The data source was obtained from the novel, namely "Not an Ordinary Student" published by PT Elex Media Komputindo Gramedia Group, IKAPI Member, Jakarta 2010. Data analysis techniques were carried out by: 1) Classifying the data that has been collected, 2) Re-examine the data that has been classified, 3) analyze the data that has been classified according to the problem from the novel "Not an Ordinary Student" 4) Conclude. Based on the results of the analysis above, it can be concluded that in the novel "Not an Ordinary Student" by Shandy Tan there are 5 characters, namely: Imelda, Ibu, Erik, Uncle Dennis, and Aunt Anna who have different personalities from one character to another. Keywords: Analyze, Psychology, Novel.
Tateando Palavras: Possibilidades de Escuta para um Paciente Traqueostomizado
Authors: Thalita S. Almeida de Morais  , Ramon Souza Lopes
Published: July 2024

Introdução. Pacientes hospitalizados podem ter restrições de comunicação verbal devido vários fatores, como a traqueostomia. A utilização de recursos de comunicação alternativa visa romper as barreiras de comunicação existentes e possibilitar ao indivíduo uma forma de se expressar e ser mais ativo em seu processo. Objetivo. Descrever a atuação do psicólogo hospitalar com um paciente traqueostomizado internado em enfermaria. Materiais e Métodos. Trata-se de um estudo descrito no formato de relato de experiência, que ocorreu durante o estágio acadêmico, quando um dos autores era discente da pós-graduação de Psicologia Hospitalar. Para tal, foram utilizadas anotações pessoais, além de artigos extraídos da base de dados SCieLO, Portal BVS e PEPSIC. Resultados. Intervenções através da comunicação alternativa são eficazes e podem ser adotadas com pacientes que, por motivos de traqueostomia, não podem se comunicar verbalmente. Tais práticas colaboram para o bem-estar, segurança, assistência com qualidade e um cuidado humanizado. Conclusão. Relatar essa experiência permitiu discutir formas de manejo e melhorias nos processos de cuidado, e, portanto, fica evidente que esses atendimentos são realmente possíveis e frutíferos.
Gambaran Pola Sidik Bibir Masyarakat Desa Tateli Tiga
Authors: Khoman Johanna A. , Tendean Lydia E. N. , Kaunang Joshua B. A.
Published: July 2024

Abstract: Lip print pattern offers potential as a fast and effective secondary identification method that can be used in emergency situations. DesaTateli Tiga is a disaster-prone village because it is located in a coastal area of ​​Mandolang District, Minahasa, North Sulawesi. This study aimed to obtain the profile of lip print pattern in people at Desa Tateli Tiga. This was a observational and descriptive studi with a cross sectional design. Samples were people living at Desa Tateli Tiga aged 21-40 years, obtained by using the purposive stratified sampling method as many as 267 people. The results showed that there were 87 males and 180 females as samples. In early adult group, the most frequent type of lip pattern was type 1 (43.65%) and type IV (20.63%). The most common lip profile in males was type IV (43.24%), and in females was type I (56.18%). In late adult group, the most frequent type of lip pattern was type I and type III, each of 27.03%. The most common type of lip pattern in males was type III (44.83%), and in females was type I (37.78%). In conclusion, the lip print pattern of Tateli Tiga people in Minahasa is dominated by perfectly vertical type I and reticular type IV. Type IV is predominant in males meanwhile type I in females.
Keywords: lip print pattern; Suzuki and Tsuchihashi method; identification; sex; age
 
Abstrak: Penggunaan pola sidik bibir sebagai metode identifikasi sekunder yang cepat dan efektif dapat membantu mempercepat proses identifikasi korban dalam situasi darurat. Desa Tateli Tiga, merupakan salah satu desa yang rawan bencana karena terletak di wilayah pesisir pantai Kecamatan Mandolang, Kabupaten Minahasa, Sulawesi Utara. Penelitian ini bertujuan untuk mengetahui gambaran tipe pola sidik bibir masyarakat Desa Tateli Tiga. Jenis penelitian ialah observasional deskriptif dengan desain potong lintang. Sampel penelitian yaitu masyarakat Desa Tateli Tiga yang berusia usia 21–40 tahun. Teknik pengambilan sampel menggunakan purposive stratified sampling sebanyak 267 orang, ditentukan dengan rumus Slovin. Hasil penelitian mendapatkan sampel laki-laki sebanyak 87 dan perempuan sebanyak 180. Pada populasi dewasa awal, tipe yang paling sering ditemukan ialah tipe I (43,65%) dan tipe IV (20,63%). Tipe pola sidik bibir yang sering ditemukan pada jenis kelamin laki-laki ialah tipe IV (43,24%), dan pada perempuan tipe I (56,18%). Pada populasi dewasa akhir, tipe yang paling sering ditemukan ialah tipe I (27,03%) dan tipe III sama banyak. Tipe pola sidik bibir yang sering ditemukan pada jenis kelamin laki-laki ialah tipe III (44,83%), dan pada perempuan tipe I (37,78%). Simpulan penelitian ini ialah pola sidik bibir masyarakat Desa Tateli Tiga di Kabupaten Minahasa didominasi oleh tipe I vertikal sempurna dan tipe IV retikuler. Tipe IV terbanyak didapatkan pada laki-laki sedangkan tipe I pada perempuan.
Kata kunci: pola sidik bibir; metode Suzuki dan Tsuchihashi; identifikasi korban
Comparison of alternative media from organic waste as a growth media for the biological agent bacteria Pseudomonas spp
Authors: Erdiansyah Iqbal , Viraneka Rema
Published: July 2024

Introduction: Pseudomonas spp is one of the biological agents that has many abilities. With the high cost of synthetic media used as a medium for the propagation and growth of this bacteria, it is necessary to have alternative media that are cheap and environmentally friendly, one of which is by utilizing organic waste. This study aims to determine the comparison of the growth of Pseudomonas spp on alternative media from organic waste. Method: The design used was a non-factorial Completely Randomized Design (CRD) with 3 (three) treatments using types of bacteria propagation media, namely P0 = selective media formulation (Pseudomonas Isolation Agar), P1 = soybean water stew waste, and P2 = coconut water waste and repeated 6 times. Result: The results showed that the bacteria tested were Pseudomonas spp based on the Gram staining test and the pendar fluorescence test. The highest number of colonies on day 5 was found in coconut water media as well as the results of the absorbance test and the Pseudomonas spp had antagonistic properties against Xanthomonas sp. Conclusion: Alternative media from organic waste coconut water are the best media for the growth of Pseudomonas spp which have antagonistic properties against Xanthomonas sp.
Implementasi Bangunan Ekonomi Islam Pada Produk Deposito Mudharabah di Bank Syariah
Authors: Trimulato Trimulato
Published: July 2024

Islamic banking currently has a strong legal law with the presence of the law number 21 of 2008 on Shariah banking. It is very influential on the existence of the Shariah banking are increasingly in demand by many. Islamic bank is better known by the profit-sharing system has a range of products that use Mudarabah and Musharakah contract, considered more equitable for all parties. Bank Indonesia based on the statistics, the number of Mudharabah deposits which have been compiled from third party funds by the banking industry shari'ah until May 2015 was recorded at Rp 129.890 billion rupiah, an increase compared to last year in the same month, deposits from Mudharabah deposits collected amounting to Rp. 119.048 billion rupiah grew 8.35% in the same period last year. Presence of Islamic banks part of Islamic economics, so that every product of Islamic banking is expected in line with the concept of building of Islamic economy. This paper uses a descriptive qualitative limitations in this paper is focused on products in Islamic bank deposits and building concept of Islamic economics. This paper uses literature study from various sources. The results of this paper that the Islamic bank deposit products in line with the concept of building an Islamic economy. Various transactions on deposits has met the economic building islam. Only in certain parts can not be in line with the concept of building an Islamic economy look no aspect of justice. Because they based their refund guarantee on product deposits in Islamic banks.
Kontribusi Ibnu Khaldun Terhadap Perkembangan Ekonomi Islam
Authors: Ulum Bahrul , Mufarrohah
Published: July 2024

Kegiatan perekonomian yang berorientasi pada sistem Ekonomi Islam semakin merebak di berbagai negara tidak terkecuali di Indonesia. Berbicara tentang teori Ekonomi Islam, maka tidak lepas dari pemikiranâ€“pemikiran para tokoh yang mempunyai kontribusi dalam peletakan dasar dan prinsip ekonomi Islam. Pemikiran ulama tentang ekonomi Islam di masa klasik sangat maju dan cemerlang, jauh mendahului pemikir Barat modern seperti Adam Smith, Keynes, Ricardo, dan Malthus. Ibnu Khaldun merupakan salah satu dari banyak tokoh Ekonomi Islam, yang mempunyai peran yang sangat vital terhadap perkembangan ekonomi Islam hingga saat ini.Tulisan ini bertujuan untuk mengungkap sumbangan pemikiran Ibnu Khaldun terhadap perkembangan Ekonomi Islam. Dengan menggunakan pendekatan historis , penulis menganalisis teori Ekonomi Islam yang berasal dari pemikiran Ibnu Khaldun, beberapa teori tersebut antara lain teori pruduksi yang terdiri dari; tabiat manusia dan produksi, organisasi sosial dan produksi serta organisasi internasional dan produksi. Ia juga mengemukakan teori tentang nilai, uang dan harga, teori tentang distribusi yang terdiri dari gaji, laba dan pajak, serta teori siklus yaitu siklus populasi dan siklus keuangan publik.
Mekanisme dan Sistem Distribusi Harta Perspektif Islam
Authors: Fadilla Zulfa Nur
Published: July 2024

Universalitas Islam dalam berbagai aspek kehidupan manusia, khususnya dalam ekonomi, menghadirkan sebuah konsekuensi bahwa segala kegiatan perekonomian harus berjalan secara Islami sesuai dengan syariat Islam, baik dalam produksi, konsumsi maupun distribusi. Dengan demikian kesejahteraan dunia dan akhirat (falah) akan tercapai.  Pembahasan dalam tulisan ini akan di fokuskan dan di batasi dalam kegiatan distribusi, dengan mengkomparasikan antara konsep distribusi Kapitalis, Sosialis dan perspektif Islam. Penelitian ini merupakan penelitian kualitatif dengan pendekatan literatur , utuk pengumpulan data, penulis menggunakan dokumnetasi baik dari media cetak (buku, koran) maupun media online. Penulis menarik kesimpulan bahwa Islam mengambil jalan tengah antara pola kapitalis dan sosialis yaitu tidak memberikan kebebasan mutlak maupun hak yang tidak terbatas dalam pemilikan kekayaan pribadi bagi individu dalam lapangan produksi, dan tidak pula mengikat individu pada sebuah sistem pemerataan ekonomi yang di bawah sistem ini ia tidak dapat memperoleh dan memiliki kekayaan secara bebas.
Etika Petugas Pajak Dalam Islam
Authors: Hakim Rahmad
Published: July 2024

Tax is one source of state income. Therefore the tax return should be managed as well as possible. Nowadays, the condition of tax officer is in less than ideal condition, or even in bad condition, with the rise of corruption practice, tax evasion, selective logging to the taxpayer causing the losses of the State, injustice for the ummah so the loss of belief of ummah to the tax officer itself . This literature research will discuss the ethics of tax officials in Islam. By using content analysis, the author describes the general description of tax in Islam, the terms of the tax officer and the mechanism of tax management in Islam. In this study, the criteria of tax officials in Islam can be categorized into 7 (seven) criteria, among others: (1) not through violence (physical contact) to the taxpayer, (2) have gentle nature (al-'afwu), 3) does not exceed the limits of ability, (4) has a deep knowledge of the object of taxes imposed taxes, (5) taxes with good and right (according to Shari'a), (6) taxes fairly, (7) consider mashlahat All parties (State and taxpayers). Keywords: Tax, Tax Officer, Islamic Sharia
Dakwah Bil Hal: Implementasi Nilai Amanah dalam Organisasi Pengelola Zakat untuk Mengurangi Kesenjangan dan Kemiskinan
Authors: Hakim Rahmad
Published: July 2024

Daâ€™wah in Islam has the meaning of calling for goodness and forbidding the badness, but the most effective method is actually daâ€™wah bil hal. Nowadays, where the number inequality and poverty is increased, daâ€™wah bil hal is strongly needed, not least for the zakah organization. This organization has an important role in reducing the number of inequality and poverty because itâ€™s an intermediary function between donators (muzakki) and users (mustahik). The absence of amanah in zakat management organization at least has an impact on two things; first, the lack of public awareness related to zakat and the willingnes to pay for zakat. Second, the number of donors (muzakki) distributes zakat individually, so the impact of zakat is ineffective. Using the literature approach, this paper tries to discuss the importance of amanah value as an instrument of daâ€™wah bil hal. It can be concluded that amanah value in zakah management can be implemented to reduce the number of inequality and poverty through several important dimensions, namely: mentality, accountability, capability, professional and the right to target. Keywords: daâ€™wah bil hal, zakah management, amanah.
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Authors: Afifah Azimatul
Published: July 2024

Dalam dunia perbankan, pembiayaan merupakan tugas bank yang sangat penting yaitu dengan menghimpun dana dari masyarakat dan menyalurkannya kembali kepada masyarakat dalam bentuk kredit. Mengingat dalam Islam bahwa hubungan pinjam meminjam tidak dilarang bahkan dianjurkan agar terjadi hubungan saling menguntungkan, yang pada gilirannya berakibat kepada hubungan persaudaraan. Jika dilihat dari pendapatan sebagian masyarakat Indonesia masih dibawah rata-rata, maka dirasa kredit sangat dibutuhkan untuk menambah  modal dalam menata kebutuhan ekonomi yang lebih baik. Dalam memberikan kredit sering kali sebuah lembaga keuangan mengalami banyak permasalahan yang cukup serius seperti tidak kembalinya modal yang telah dipinjamkan dan apabila tidak segera diatasi dapat menimbulkan kerugian yang fatal, oleh sebab itu harus adanya analisis yang tajam, teliti dan cermat. Begitu juga yang dialami oleh BMT IKPM. Dalam artikel ini peneliti membahas tentang strategi penyelesaian yang dilakukan oleh BMT IKPM untuk menyelamatkan kredit bermasalah. Kesimpulan yang diambil oleh peneliti bahwa, penye-lesaian kredit macet  di BMT IKPM Gontor sudah sesuai dengan cara penyelesaiannya dalam al-qurâ€™an dan hadist dengan cara, menambah modal apabila dilihat masih mempunyai kemampuan usaha, mengirim surat peringatan utang apabila dilihat sudah mulai tidak lancar, Resceduling dengan memberi tambahan waktu sampai debitur bisa melunasi hutangnya bagi kredit yang dinilai sudah diragukan, melakukan penagihan secara rutin dan yang terakhir apabila dinilai sudah mulai macet, dengan menjual jaminan dari nasabah, dan apabila masih belum bisa dengan memberikan sedekah kepada nasabah yang diambil dari baitul maal. Kata Kunci: Baitul Mal wa Tamwil, Kredit, Ekonomi Syariah
Urgensi Amandemen dalam Konstitusi Undang-Undang Perbankan di Indonesia
Authors: Syarofi Ahmad Muhtar
Published: July 2024

In today's modern economy era, the role of banking institutions is very important. In Indonesia the role of banking institutions is so increasing that it reaches about 99% of the national financial system. Given such an important role of the institution, it should be supported by a strong and strong, credible (reliable) legal and regulatory tool. Strong, strong and credible in the sense of their contents-the articles are not contradictory to each other, are not often revised / amended, neither misinterpreted and applicable. The Law Regulating Banking Law No. 7 of 1992 was amended by Act No. 10 of 1998 on Banking, Act No.23 of 1999 which amended by Act No. 3 of 2004 and Act No. 6 of 2009 on Bank Indonesia, Law Number 21 of 2008 concerning Sharia Banking (July 16, 2008); Law No. 21 of 2011 on the Financial Services Authority. This paper draws the conclusion that it is necessary to amend the law regulating of OJK, considering that OJK as the sole overseeing agency and investigator of economic activity in Indonesia, needs other institution to guard the developmnet of national banking in order to be health, grow fairly and support national economic development continuous. Keyword: Amendment, Law, Banking
Riba: Transaksi Kotor Dalam Ekonomi
Authors: Wahab Fatkhul
Published: July 2024

In conducting various economic activities, Muslim society is often faced with the problem of usury. Seen to be a problem because usury is a normative thing that is forbidden religion and applicative apparently detrimental to certain parties. In Islam, levying usury or obtaining profit in the form of borrowing usury is haram. Prohibition of usury in various transactions of economic activity, presents the consequence that all economic activities should be clean and free from the element of usury. The writing of this article aims to reveal the nature of usury, the type of usury, the cause of prohibition of usury and the negative side or adverse effects of usury in economic activities. The author concludes, among other things: the negative impact of usury is causing discord and dissatisfaction among society and resulted in economic instability. Keywords: Riba, Islamic Law, Islamic Economics
Relevansi Akad Ijarah Pada Pembiayaan Umroh di Bank Syariah Kantor Pusat Jakarta Perspektif Hukum Islam
Authors: Oktaviani Feni
Published: July 2024

This research is intended to acknowledge the position of ijarah agreement that used in Umrah bailouts fund specifically Umrah financing at Sharia Mandiri Bank Head Office Jakarta. Additionally, to acknowledge how the implementation of the Umrah financing products when paired with ijarah agreement. The method used is qualitative by means of analytical descriptive methods. This study defined primary and secondary data that obtained from the descriptive research location. Wherewith collecting the primary or secondary data that obtained in the form of interview results of Sharia Mandiri Bank, documentation and also literature study related to this study. The results of this study displayed that this Umrah financing products are right when paired with ijarah agreement. All scholars also allow the validity of this ijarah agreement in muamalah. This ijarah agreement also had the strong foundation of the three basic Islamic law, the Qur’an, the Hadith and Ijma. Furthermore, this results of this also elaborated how the implementation of Umrah financing scheme and did not encounter any problems that may cause ijarah agreement to be void, because of this product is based on Fatwa of National Sharia Council No. 09/DSN-MUI/IV/2000 in respects of ijarah financing, and No. 44/DSN-MUI/VIII/2004 multi-service financing.
Analisis Pengungkapan Corporate Social Responsibility (CSR) Berbasis Islamic Social Reporting (ISR) Pada Bank Syariah Mandiri Periode 2014-2016
Authors: Isya Mutia Rahmawati
Published: July 2024

This study aims to describe the intensity of Islamic Social Reporting (ISR) -based Corporate Social Responsibility (CSR) disclosure at Bank Syariah Mandiri. This research uses a qualitative approach. The object of this research is Bank Syariah Mandiri. Data analysis uses Content analysis. The period used in this study was limited to 2014-2016 in the annual report of Bank Syariah Mandiri. The results showed that the calculation of the ISR index on BSM from 2014-2016 showed that the overall intensity of BSM's social responsibility disclosure was informative. Although the cumulative intensity of BSM social responsibility disclosure is informative, on each ISR index shows different results, and of 6 (six) disclosure themes only the theme of corporate governance shows the highest value of the BSM ISR index in 2014-2016 of 100%.
Potret Masjid Sebagai Basis Pemberdayaan Ekonomi Umat
Authors: Ramadhan Abdurrahman , Hasanah Idaul , Hakim Rahmad
Published: July 2024

This study aims to determine the Revitalization of the Role of the Mosque in the Empowerment of the People's Economy at Al-Ikhlas Mosque. This study uses a qualitative approach with the subjects of the Al-Ikhlas Mosque management and Baitul Maal Al-Ikhlas management. The selection of Al-Ikhlas Mosque as a place of research is based on the issue of revitalizing the mosque's role in economic empowerment. Given that many mosques are only used for prayer 5 times without any other activities. Data collection methods are done through observation, interviews, and documentation. Whereas data analysis uses qualitative data analysis. The results showed that the Revitalization of the role of the Al-Ikhlas Mosque had gone well with many activities held to prosper the Mosque and also in empowering the Economic Community of the Al-Ikhlas Mosque also had its own container namely BMA Al-Ikhlas which had helped several Al-Ikhlas Mosque congregation traders. Sincere to provide cash capital loans without complicating in lending.
Analisis Korelasi Nilai Tukar Rupiah terhadap Dolar Amerika Serikat dan Pertumbuhan Ekonomi Indonesia dalam Perspektif Islam
Authors: Tamam Ahmad Nauval , Muslikhati Muslikhati
Published: July 2024

This research aims to analyze the exchange rate of the Rupiah and United States Dollar with Indonesia's economic growth period in 2004 until the year 2016 in Islamic Perspective. The results of this study indicate that the Islamic Perspective Views of causality Between the exchange rate of the Rupiah And United States Dollar With Indonesia's economic growth period in 2004 until the year 2016 are specified in two important things: 1) There is no causality relationship, but there is a one-way relationship between variable exchange rates of Rupiah and United States Dollar with Indonesia’s economic growth variables from the year 2004-2016. Rupiah exchange rate variable significant and influential correlated against Indonesia's economic growth with the value of the significance of the test based on Granger Causality Test 0.0334, 2) Exchange rates in Islamic can be said to adhere to the system “Managed Floating”, and economic growth in Islamic the purpose develop resources at once empowering nature in enhance human dignity.
Preference of Santri in Increasing Interest of Saving at Sharia Banks in Malang Regency
Authors: Adib Roisul
Published: July 2024

At present the sharia banking sector is experiencing relatively rapid growth. Islamic banking is able to show high acceleration of growth with an average growth of 40.20% per year in the last five years (2015-2020). While the average national banking growth was only 16.7%. Therefore, Islamic banking is nicknamed "The fastest growing industry". This rapid growth can be seen from the financial ratios of Islamic banks which show that Islamic banks have a good level of health. Of course there are some things that need to be known to cause an increase in financial ratios including knowledge, religiosity, bank products and services. This study aims to determine the preferences of students saving interest towards Islamic banks. This research method is quantitative research with data analysis techniques using Correlation Research using SPSS software. Data collection uses stratified random sampling by taking 81 samples from various strata. The results of this study indicate that there is an influence of Knowledge, Religiosity, Bank Products, Services on students' interest in saving students, which means the hypothesis is accepted.
The Wage System (Ijarah) In Islam: A Comparative Perspective of the Scholars
Authors: Fauzi Ahmad
Published: July 2024

Wages are one of the main sources of income for workers for what they do to improve their lives. The wages given by the owner of the field must be in accordance with the principles of justice or not indicated to be wrongful. This study aims to determine the   perspective of the scholars on the wage system (ijarah). This study was qualitative, the data collection technique in this study used documentation techniques by conducting in-depth studies related to the concept wage system in Islamic perspective contained in the works of Muslim intellectuals in the past and contemporary era. The data analysis technique used qualitative data analysis. The results found that the wage system applied by the current employer is in accordance with the concept of ijarah bil-amal contract because it has fulfilled all the pillars and requirements as well as the principles specified in the concept of this contract.
Entrepreneurial Model In The Community Muslim Entrepreneurs In Indonesia
Authors: Fauzi Ahmad
Published: July 2024

The current development is that approximately 1.4 billion of the world's population live on less than USD 1 per day, and since 50% of the poorest people are in Muslim countries, one of the solutions is to increase successful Muslim entrepreneurs to be encouraged and able to color other Muslims. Therefore, this study aims to create a conceptual model through a literature review and descriptive-qualitative approach. It is used to determine the indicators of successful Muslim entrepreneurs and the expected factors needed to provide positive and significant effects. Meanwhile, four factors and indicators were identified, each of which is considered to influence successful Muslim entrepreneurs. Furthermore, the results obtained are conceptual papers and hypotheses that require testing to ensure their veracity. It was also used to generate new validated constructs for individuals and communities of Muslim entrepreneurs. Therefore, this conceptual model is expected to motivate new research in the future and has also been enhanced as a pioneer trying to build a model of successful Muslim entrepreneurs. Finally, a conceptual model was created that is an initial contribution to addressing poverty among the Muslim population in the world.
Zakat Literacy Improvement in Indonesia
Authors: Fatmawati Fatmawati , Hakim Rahmad , Hakim Arif Luqman
Published: July 2024

This study aims to describe Puskas BAZNAS' Strategy in Improving Zakat Literacy in Society. The type of research used is qualitative with a case study approach. The data used are primary and secondary data. Primary data collection was obtained from interviews and documentation. While secondary data is in the form of magazines, journals and literature related to Zakat Literacy. This study uses the data validation technique of the triangulation model. The results of the study show that Puskas BAZNAS strategy is quite good and quite effective in increasing community zakat literacy. Evidenced by the significant increase in zakat literacy in society, namely basic understanding increased by 6.8 points, advanced understanding increased by 11.6 points and the average ILZ in 2022 was 8.48 points higher than in 2020 and is also in line with increased literacy community zakat, receipt of zakat funds has also increased from 2019-2022.
Suitability of Islamic Consumption Theory with the Concept of Decluttering as a Preventing Factor for Impulsive Buying Behavior
Authors: Noviyanti Ririn
Published: July 2024

This research aims to determine the suitability of Islamic consumption theory with the concept of decluttering as a factor preventing impulsive buying behavior in society. By using qualitative descriptive methods, researchers try to observe phenomena that occur in the field regarding impulsive buying and the implementation of decluttering activities that are currently being widely followed and then relate their suitability to the principles of consumption in Islam. The results of this research show that there is a compatibility between the theory of consumption in Islam and the concept of decluttering as a prevention of impulsive buying behavior in four indicators, namely indicators of meeting needs, usefulness, goals and financial management.  Judging from the indicators of fulfillment of needs, both of them prioritize consideration of fulfilling needs first compared to fulfilling desires alone. From indicators of usefulness in consumption, Islam prioritizes blessings. In the concept of decluttering, the benefits that arise are a calm and peaceful life by not accumulating a lot of items and prioritizing using existing items according to needs. From the goal indicator, both have a goal of happiness. Islam, apart from seeking world happiness, must also pay attention to the happiness of the afterlife. From both financial management indicators, both of them are very concerned about financial income and expenses. So. finances are more disciplined and focused, but on the other hand, minimizing wastefulness and stinginess.
Multivariate Analysis of the Attributes of a Central Attacking Midfielder
Authors: Nwokike Innocent Chukwudozie , Ngozie Erumaka Ephraim , Chrysogonus Nwaigwe , Chuks Obi Martin
Published: July 2024

Central attacking midfielders are one of the most vital squad members because of their decisive contributions to the team in the field of play. With teams now acquiring some talented players for as much as 103 million euros, it has become more important than ever to critically investigate the attributes of a central attacking midfielder. This study is designed to investigate the correlation between attributes (variables) such as crossing, finishing, short passing, volleys, dribbling, curve, long passing, ball control, acceleration, sprint speed, agility, stamina, vision, penalties, and composure, using multivariate analysis techniques. The study used canonical correlation analysis (CCA) to analyze these correlations. The study produced three statistically significant  canonical functions  with canonical correlations of , , and , respectively. The study also showed that canonical function 1  showed more significance (Wilks's  and ). A principal component analysis (PCA) was conducted to determine the most important variables for a central attacking midfielder. The PCA generated four components. The first component showed itself to be optimal, with variables such as short passing, long passing, vision, composure, and ball control highlighted as the most relevant attributes of a central attacking midfielder. The study also developed a dynamical system that can be analyzed to understand the efficiency of the central attacking midfielder with respect to the given variables and parameters.
Effect of Using Alkoxy - Silane (ethoxy silane) Coupling Agent to Enhance the Mechanical Properties of Bio-Composites
Authors: Iloabachie I.C.C. ,   Institute of Management & Technology, Enugu., V.C. Nnadi  , A.C. Chime  ,   Institute of Management & Technology, Enugu.,   Department of Agricultural & Bio-Environmental Engineering, Institute of Management & Technology, Enugu.
Published: July 2024

This research work investigated the effect of alkoxy silane (ethoxy silane) on the mechanical properties of polyethylene/ dried powdered pine apple peels composite. The pine apple peels was washed in distilled water, sun dried for about eight hours and later oven dried at a temperature of 60oC for about three hours. The dried pine apple peels was pulverized and sieved using a mechanical sieve arranged in descending order of fineness. The alkoxy-silane (ethoxy-silane) coupling agent (2%) was first hydrolyzed in ethanol to deliver the alkoxy functional silane to the interior of the pineapple peels and ion-free water at room temperature for 6 hours. This was followed by addition of the dried powdered pineapple peels into the hydrolyzed coupling agent solution in a reactor at a temperature of about 80 ◦C for 20 minutes. The formed product was oven dried at 110 ◦C for 3 hours and pulverized using a locally made grinding machine and sieved using a set of sieves arranged in descending order of fineness in accordance with BS1377:1990 standard as was reported by Rajan et al., (2007) to obtain pineapple peels coated with the coupling agent (150mμ). The recycled polyethylene waste was washed using distilled water, sun-dried and shredded in a shredding machine. The pineapple peels powder coated with alkoxy silane and the shredded recycled polyethylene waste were blended using a two-roll rheo-mixer at 50°C and a rotor speed of 60 rpm. The percentage of the powdered pineapple peels coated with coupling agent in the recycled polyethylene matrix was varied from 10% to 40% to produce four different compositions. A hydraulic pressing machine was used to compress the produced composites for about ten minutes applying a pressure of about 25 tons at 130°C. The produced composite samples were allowed to cool to room temperature under sustained pressure before being removed from the hydraulic press for various mechanical tests. The impact tests were performed according to ASTM D256 standard using Impact testing machine model EXT94064/6705CE, 300 J. Flexural test was performed using Universal Testing Machine model TUE-C-100, according to ASTM D790. The hardness tests were performed according to ASTM D785 standard using Rockwell Scale K hardness testing machine. The results showed that maximum flexural strength of 10.8MPa and 384Hv were recorded at 40wt.% reinforcement. The developed composite can be used applications where moderate strength will be required.
Improvement of Performance and Efficiency Through the Use of Permanent Magnet Propelling Phenomenon in Traditional Vertical Axis Wind Turbine Systems
Authors: Hegde Dr. Sandesh ,   PALS Technology, Udupi Karnataka India., C G Dr. Ramachandra , H N Dr. Reddappa , Pai M Dr. Prashanth ,   Mechanical Engineering, Presidency-University, Bangalore, India.,   Mechanical Engineering, Bangalore -Institute-of-Technology, Bangalore India.,   Mechanical Engineering, PA College of Engineering Manglore, India.
Published: July 2024

It is widely accepted that the energy we currently use will not be sufficient to fulfil the demands of all people on the globe in the future. As a result, cleaner and more abundant alternative energy sources—which may also take the form of hybrid energy—are needed. Renewable energy sources will certainly become more prominent. Modern civilizations needs cheap, plentiful energy to survive, therefore, it is crucial for human civilization to create a sustainable, affordable, and environmentally benign alternative sources of energy. The global energy dilemma may have an efficient solution in the form of wind power. In current state of affairs, the air could seems like insignificant to any or all. However we tend to all grasp that, the planet has shaped up with associate uneven surface, which suggest that the sunrays could strike these surface with variable intensities at numerous spot on its uneven surface. This creates associated degree of unequal degree of heating of the earth surface, that which causes variation in part of atmospheric pressure thereon. Then it leads to wind. The Kinetic energy of these air molecules is nothing but wind energy. A mechanical mechanism known as a wind turbine which transforms, kinetic energy which is there in the air around it into the required form of mechanical energy. Here in this research we focused on the repellent qualities of permanently magnetized objects with similar poles. These innate qualities of magnetic propulsion are used here as an energy sources. Due to the inclusion of this components like magnetic repulsion, our VAWT system will operate more effectively even at lower wind speeds circumstance also. This magnets will produce a repulsive force that will add various sorts of kinetic energies to the wind turbines as they convert wind energy's kinetic energy of into the necessary mechanical power when it’s employed as an extra source of energy in a VAWT.