bluuebunny/crossref_metadata_2025 huggingface dataset:
KUALITAS PELAYANAN DAN PENGARUHNYA TERHADAP TINGKAT KEPUASAN NASABAH DI BMT UGT SIDOGIRI CAPEM WARU
Authors: Rahmawati Lilik , Hudayatin Nofiana
Published: July 2023

The quality of service has a close relationship with customer satisfaction. The quality of service provided an impetus to the customer to establish bonds of strong relationships with the company. When already interwoven bond, then the customer will choose the company and when they came to the company, they already have expectations about what kind of service will be obtained (acceptable) based on previous experience, communication, Word of mouth has ever heard, other information has ever been received, as well as the influence of the need. The service ever experienced will become the accepted standard of comparison services at this time.
Based on that background, the outline of the problem surfaced, namely: whether quality of service indicators simultaneously influences on satisfaction clients in BMT UGT Sidogiri Waru Branch? Whether quality of service indicators affects customer satisfaction against partially in BMT UGT Sidogiri Waru Branch? And what indicators are most influential to the satisfaction of the customer in BMT UGT Sidogiri Waru Branch?
The purpose of this research is to know the influence of partially and simultaneous, as well as the most dominant indicator of service quality on customer satisfaction levels in response to BMT UGT Sidogiri Waru Branch. The dimensions of service quality consist of intangibles, reliability, response, reassurance and empathy. This research uses descriptive quantitative methods, with incidental sampling technique with a number of respondents as much as 88 clients.
The results of data analysis using regression analysis showed that, simultaneously, the quality of service which consists of intangible variables, reliability, response, reassurance and empathy to the customer with the highest level of satisfaction F_hitung > F_tabel 2,368 3,626 and significance of 0.005. Partially, intangible factors have a significant influence on the value significance of 0,249, whereas the factors of reliability, response, reassurance and empathy donâ€™t have significant effects. The most dominant factor influence on satisfaction clients is a tangible factor, because the value of the significance of these factors most of 0.264. The regression equation is obtained as follows: Y = 5.492 + 0.179X1 + 0.115X2 + 0.122X3 â€“ 0.007X4 + 0.113X5 indicates that increasing the quality of service in terms of intangibles can increase customer satisfaction.
ISLAMIC PERSPECTIVE OF ENHANCING ECONOMIC DEVELOPMENT FOR MARITIME COMMUNITIES IN INDONESIA
Authors: Tandos Rosita
Published: July 2023

Developing maritime area and sector is a important strategy for the development of Indonesia although many challenges exist to achieve this goal. On the other hand, women as a crucial element of society have play important roles in family and community lives. Such contribution could affect the development processes of the maritime area and the country.Islamic banking and other institutions that have community economic programs can implement principle of creating prosperity and justice to the life of people though conducting a community economic development (CED) program that reflect more to the aspiration, need and insterest of the people. These all attempts are significant to support the current development policies of the Indonesian governments that emphasize on strengthening maritime area and resources.
STUDI ANALISIS ASURANSI SYARIAH
Authors: Ghozali Muhammad Lathoif
Published: July 2023

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UPAYA MENINGKATKAN LIKUIDITAS LEMBAGA KEUANGAN MIKRO SYARIAH MELALUI SISTEM PENGOPERASIAN JASA DAN SISTEM PENYAMPAIAN JASA
Authors: Dani Muhammad Arif
Published: July 2023

Penelitian ini adalah penelitian kualitatif yang bertujuan menjawab pertanyaan tentang bagaimana upaya BMT UGT Sidogiri Cabang Pembantu Bulak Surabaya dalam meningkatkan likuiditasnya melalui Sistem Pengoperasian Jasa dan Sistem Penyampaian Jasa, serta bagaimana analisis kelemahan dan kekuatan Sistem Pengoperasian Jasa dan Sistem Penyampaian Jasa pada BMT UGT Sidogiri Cabang Pembantu Bulak Surabaya.
Peneliti menggunakan metodologi pendekatan kualitatif deskriptif dengan jenis penelitian studi kasus pada objek. Dengan metodologi ini, peneliti berusaha mengungkap penjelasan mekanisme Sistem Pengoperasian Jasa dan Sistem Penyampaian Jasa, fakta kenaikan likuiditas BMT UGT Sidogiri Cabang Pembantu Bulak Surabaya akibat efektivitas Sistem Pengoperasian Jasa dan Sistem Penyampaian Jasa dan perubahan-perubahan yang terjadi saat penelitian berjalan.
Hasil penelitian yang diperoleh adalah: (1) Implementasi Sistem Pengoperasian Jasa dan Sistem Penyampaian Jasa pada BMT UGT Sidogiri Capem Bulak berjalan cukup baik. Hal tersebut dapat dibuktikan dari hasil perhitungan angka Cash Ratio dan Financing to Deposit Ratio (FDR) yang menunjukkan tren yang positif; (2) Kelemahan-kelemahan yang dimiliki oleh BMT UGT Sidogiri Capem Bulak digolongkan ke dalam dua bagian, yaitu kelemahan dari ruang lingkup internal dan kelemahan dari ruang lingkup eksternal. Adapun kelemahan dari internal adalah: (a) Kelemahan dalam pembiayaan murabah{ah; (b) Kelemahan dalam sumberdaya manusia. Sedangkan kelemahan yang berasal dari eksternal BMT adalah: (a) Kredit macet anggota; (b) Peraturan baru dari BMT Pusat. Kelemahan-kelemahan tersebut dapat diatasi oleh BMT UGT Sidogiri Capem Bulak melalui: (a) Pemilihan calon anggota dan verifikasi data yang lebih selektif dan akurat; (b) Pemahaman job description dan tanggungjawab yang jelas di dalam organisasi; (c) Mengikuti setiap pelatihan dan pembinaan; (d) Menjalin komunkasi yang solid di antara semua karyawan; (e) Memaksimalkan fungsi monitoring dengan baik; (f) Memperbaharui informasi berkelanjutan yang bersumber dari instruksi atasan.
Rangkaian sistem yang diterapkan melalui fungsi manajemen BMT perlu melakukan pengawasan dan evaluasi terhadap kinerja koperasi secara komprehensif. Dengan diberlakukannya Sistem Pengoperasian Jasa dan Sistem Penyampaian Jasa yang optimal, BMT UGT Sidogiri Capem Bulak dapat memproyeksikan dan mengendalikan tren pertumbuhan likuiditas yang positif agar sejalan dengan tujuan dibentuknya BMT UGT Sidogiri Capem Bulak.
KOMPENSASI PADA PENERIMA ZAKAT PERSPEKTIF EKONOMI ISLAM
Authors: Hamzah Hamzah
Published: July 2023

Penelitian ini bermaksud untuk mengungkap konpensasi yang dibebankan oleh ilmu ekonomi Islam terhadap penerima zakat.  Penerima zakat cenderung menganggap zakat sebagai pemberian biasa yang sama saja dengan transaksi lainya seperti jual beli dan wakaf serta hadiah. Akibatnya, zakat sebagai rukun Islam kurang memberikan dampak yang signifikan  bagi penerima zakat. Tujuan mulai zakat sebagai pelaksanaan rukun Islam yang secara khusus mendinamisir problem umat Islam dalan pelaksanaan ibadah kehartaan, terutama bagi sang peneriam zakat secara sosio-ekonomi tidak  terwujud.  Bahkan jauh lebih bergaung pelaksanaan ibadah haji dari sisi sosio-ekonomi   dibanding ibadah zakat. Diduga kuat bahwa salah satu penyebabnya, karena secara konseptual tidak ditemukan konpensasi zakat terhadap penerimanya. Dengan teori rasionalitas yang dikenal dalam Ilmu ekonomi dan didukung teori lainnya, penelitian ini mengemukakan secara konseptual tentang konpensasi bagi penerima zakat yang menjadi beban  dan harus diwujudkan pasca penerimaan
MANAJEMEN ZAKAT PRODUKTIF SEBAGAI ALTERNATIF MENINGKATKAN PENDAPATAN MASYARAKAT MISKIN
Authors: Misbachuddin M.
Published: July 2023

Penelitian ini bertujuan untuk menjawab pertanyaan: Bagaimana manajemen zakat produktif yang diterapkan Lembaga Amil Zakat Masjid Al-Akbar Surabaya?dan bagaimana perkembangan perekonomian para mustahiq penerima dana zakat produktif di Lembaga Amil Zakat Masjid Al-Akbar Surabaya?
Penelitian ini merupakan jenis penelitian metode kualitatif dengan metode deskriptif analisis, yaitu analisis yang menghasilkan data deskriptif berupa kata-kata tertulis atau lisan dari orang-orang dan prilaku yang dapat diamati dengan metode yang telah ditentukan. Tujuan dari metode ini adalah untuk membuat deskripsi atau gambaran mengenai objek penelitian secara sistematis, faktual, dan akurat mengenai fakta-fakta, sifat-sifat serta hubungan antar fenomena yang diselidiki.
Hasil penelitian menyimpulkan bahwa Manajemen zakat produktif Lembaga Amil Zakat Masjid Al Akbar Surabaya (LAZ MAS) ialah (1). Perencanaan yang diterapkan oleh LAZ MAS ialah perencanaan program zakat produktif antara 1-3x dalam setahun berdasarkan pada besar kecilnya dana tahunan yang dialokasikan untuk pendayagunaan zakat prduktif. (2). Pengorganisasian yang diterapkan oleh LAZ MAS adalah sebagai berikut: 1. Fokormas, remas, takmir masjid 2. Juru Penerang (Jupen) 3. Juru Pungut 4. Bendahara 5. Publikasi (3). Penggerak bertugas memberikan intruksi kepada pengurus lain untuk pengambil kotak infaq. Intruksi tersebut  dengan memerintahkan dan mengarahkan dana hasil pengambilan dengan sebaik mungkin dan dibuat untuk biaya program zakat produktif selanjutnya. Tugas tesebut di lakukan oleh Ketua LAZ MAS.(4). Bentuk pengawasan LAS MAS meliputi: (1) peninjauan pribadi, (2) pengawasan melalui laporan tertulis, (3) pengawasan melalui laporan lisan.Perkembangan perekonomian para mustahiq penerima dana zakat produktif di Lembaga Amil Zakat Masjid Al-Akbar Surabayadapat disimpulkan bahwa rasio pemanfaatan dan pendayagunaan zakat produktif terkait kemajuan usaha mustahiq dari 20 penerima zakat produktif ada2 mustahiq yang perkembangan usahanya tidak mengalami kemajuan. Pengurus tidak menjelaskan lebih lanjut sebab dan akibat kurang berkembangnnya usaha mereka.
Berdasarkan penelitian diatas disarankan bagi pihak pengurus dan pengelola LAZ Masjid Al-Akbar Surabaya diharapkan tetap amanah dalam mengelola ZIS yang diamanahkan oleh masyarakat, yaitu dengan upaya membuat laporan pertanggung jawaban dana ZIS secara terperinci dan transparan, sehingga tidak menimbulkan keraguan dan tanda tanya dari anggota masyarakat yang berkaitan dengan dana ZIS, demi tetap eksisnya LAZ MAS.
PENGARUH ALOKASI PEMBIAYAAN SEKTOR-SEKTOR EKONOMI OLEH PERBANKAN SYARIAH TERHADAP PRODUK DOMESTIK REGIONAL BRUTO (PDRB) PROVINSI JAWA TIMUR
Authors: Faiza Nurlaili Adkhi Rizfa
Published: July 2023

Penelitian ini  bertujuan untuk membangun fakta dengan menyelidiki hubungan antara pembiayaan sektor ekonomi terhadap PDRB Jawa Timur,Metode penelitian ini adalah kuantitatif deskriptif dengan menggunakan data time series tahun 2010-2015 periode triwulanan dan mem-proxy-kan ke empat sektor utama lapangan kerja berdasarkan Nawacita, yaitu sektor pertanian, kehutanan, dan perikanan, sektor pertambangan, sektor industri pengolahan, dan sektor konstruksi. Uji pengaruh dalam penelitian ini menggunakan metode regresi linier sederhana dan berganda dengan bantuan software SPSS 21.00. Hasil uji model pengaruh pembiayaan sektor ekonomi Nawacita oleh perbankan Syariah di Jawa Timur terhadap PDRB menunjukan bahwa tidak seluruh pembiayaan sektor ekonomi di Jawa Timur memberikan pengaruh positif dan signifikan terhadap PDRB Provinsi Jawa Timur secara umum. Sementara itu, hasil uji model pengaruh pembiayaan sektor ekonomi Nawacita secara sektor per sektor terhadap PDRB sektor ekonomi Nawacita mendapatkan hasil bahwa semua pembiayaan berpengaruh positif dan signifikan terhadap PDRB sektor masing-masing, kecuali sektor pertanian, kehutanan, dan perikanan yang berpengaruh positif namun tidak signifikan. Rendahnya tingkat pengaruh dan signifikansi pembiayaan sektor pertanian, kehutanan, dan perikanan terhadap PDRB secara umum maupun PDRB sektor pertanian, kehutanan, dan perikanan disebabkan karena rendahnya akses petani dalam mendapatkan pembiayaan oleh perbankan syariah, baik karena akses lokasi maupun petani sendiri yang belum bankable.
ANALISIS KONVERSI AKAD MURA>BAHAH MENJADI AKAD WADI>â€˜AH YAD}}} D}AMA>NAH PADA PROSES RESCHEDULING PEMBIAYAAN MURA>BAHAH BERMASALAH DI BMT UGT SIDOGIRI CABANG SURABAYA
Authors: Sari Nurmalika Yunita
Published: July 2023

Penelitian ini merupakan hasil penelitian kualitatif yang bertujuan untuk menjawab pertanyaan tentang bagaimana analisis mekanisme konversi akad mura>bahah menjadi akad wadi>â€˜ah yad} d}ama>nah pada proses rescheduling pembiayaan mura>bahah bermasalah di BMT UGT Sidogiri Cabang Surabaya dan bagaimana implikasi konversi akad mura>bahah menjadi akad wadi>â€˜ah yad} d}ama>nah pada proses rescheduling terhadap penyelesaian pembiayaan mura>bahah bermasalah di BMT UGT Sidogiri Cabang Surabaya.
Metode penelitian yang digunakan dalam penelitian ini adalah kualitiatif deskriptif. Teknik pengumpulan data dalam penelitian ini adalah wawancara dengan informan kepala cabang dan manajer (unit khusus) yang menangani kasus pembiayaan mura>bahah bermasalah di BMT UGT Sidogiri Cabang Surabaya, dokumentasi, serta observasi.
Hasil penelitian menjelaskan dalam menghadapi pembiayaan mura>bahah bermasalah pada nasabah yang prospektif (memiliki kemampuan untuk membayar) dilakukan dengan cara melakukan konversi akad mura>bahah menjadi akad wadi>â€˜ah yad} d}ama>nah. Akad mura>bahah dihentikan dan langsung diterapkan akad wadi>â€˜ah yad} d}ama>nah atas barang jaminan yang masih berada di BMT UGT Sidogiri Cabang Surabaya hingga nasabah dapat melunasi sisa angsuran dan margin pada waktu yang telah disepakati. Akad wadi>â€˜ah yad} d}ama>nah diterapkan karena BMT menanggung risiko atas hilang ataupun rusaknya barang jaminan yang masih berada di BMT. Penentuan besarnya ujrah (biaya) wadi>â€˜ah yad} d}ama>nah adalah sebesar 2,5 persen dari besar sisa angsuran dan margin yang belum mampu dilunasi nasabah sebelumnya. Nasabah membayar ujrah (biaya) wadi>â€˜ah yad} d}ama>nah selama perpanjangan waktu pembayaran sisa angsuran pokok dan margin. Pada saat perpanjangan waktu tersebut nasabah hanya membayar ujrah (biaya) atas barang jaminan dan tidak membayar angsuran pokok dan margin. Nasabah baru melunasi sisa angsuran pokok dan margin pada waktu yang telah disepakati saat dilaksanakan rescheduling.
Mekanisme konversi akad mura>bahah menjadi akad wadi>â€˜ah yad} d}ama>nah pada proses rescheduling pembiayaan mura>bahah bermasalah tidaklah sesuai dengan ketentuan fatwa Dewan Syariah Nasional (DSN) No. 49/DSN-MUI/II/2005 karena dalam ketentuan fatwa tersebut tidak ada ketentuan akad mura>bahah untuk dikonversi menjadi akad wadi>â€˜ah yad} d}ama>nah. Penentuan pengambilan ujrah (biaya) sewa atas akad wadi>â€˜ah yad} d}ama>nah juga tidak sesuai, karena ketentuan akad wadi>â€˜ah yad} d}ama>nah tidak diperbolehkan untuk mengambil ujrah (biaya). Implikasi konversi akad mura>bahah menjadi akad wadi>â€˜ah yad} d}ama>nah terhadap penyelesaian pembiayaan mura>bahah bermasalah merupakan cara yang baik. BMT memberi kelonggaran waktu untuk membayar sisa angsuran yang sebelumnya belum dapat dilunasi oleh nasabah.
â€œKONSULTINGâ€ DAN DAMPAKNYA TERHADAP HASIL KINERJA MANAJEMEN PT. BANK MUAMALAT INDONESIA CABANG DARMO SURABAYA
Authors: Muflihin M. Dliyaul
Published: July 2023

Berkembangnya perbankan di Indonesia tidak terlepas dari manajemen resiko yang menjadi faktor utama berjalannya perbankan. Penelitian ini bertujuan untuk mengetahui implementasi konsulting di PT. Bank Muamalat Indonesia Cabang Darmo Surabaya dan mengetahui dampak konsulting terhadap hasil kinerja manajemen PT. Bank Muamalat Indonesia Cabang Darmo Surabaya. Data penelitian ini terhimpun dari wawancara secara langsung dengan auditor internal PT. Bank Muamalat Indonesia Cabang Darmo Surabaya serta data laporan keuangan PT. Bank Muamalat Indonesia selanjutnya dianalisis dengan metode analisis deskriptif analisis. Hasil penelitian ini menyimpulkan bahwa  Dampak konsulting terhadap hasil kinerja ditunjukkan oleh rasio  Return on Assets  (ROA),  Return on Equity (ROE),  Non Performing Finance  (NPF),  Financing Deposit Ratio  (FDR), dan Rasio Efisiensi Operasional (REO). diperoleh hasil bahwa konsulting ini berdampak positif pada rasio  Return on Equity  (ROE),  Non Performing Finance (NPF),  Financing Deposit Ratio  (FDR), dan Rasio Efisiensi Operasional (REO). Sedangkan pada rasio Return on Assets (ROA) konsulting berdampak negatif. Dari hasil kesimpulan tersebut hendaknya aktivitas konsulting ini lebih dipublikasikan melalui diklat-diklat dan pelatihan-pelatihan agar audit dengan konsulting ini lebih dikenal dan digunakan sebagai metode baru.
IMPLEMENTASI KEBIJAKAN FATWA DSN-MUI NO. 43/DSN-MUI/VIII/2004 TENTANG TAâ€™WIDH BAGI NASABAH WANPRESTASI
Authors: Faqihuddin Abdullah , Yazid Muhammad
Published: July 2023

Penelitian yang berjudul Implementasi Kebijakan Fatwa DSN MUI No.43/DSN-MUI/VIII/2004 Tentang Taâ€™widh Bagi Nasabah Wanprestasi adalah penelitian lapangan. Penelitian ini ingin menjawab pelaksanaan taâ€™widh pada fatwa DSN MUI No.43/DSN-MUI/VIII/2004 di Bank BNI Syariah Surabaya dan implementasi taâ€™widh bagi nasabah wanprestasi pada Bank BNI Syariah Surabaya.
Penelitian ini menggunakan pendekatan kualitatif, subjek penelitian ini adalah pimpinan dan karyawan Bank BNI Syariah Surabaya Jl. Bukit Darmo Boulevard No. 8A â€“ 8B Surabaya. Dalam penelitian ini, peneliti menggunakan teknik analisis data deskriptif kualitatif, yaitu suatu analisis yang bersifat mendeskripsikan makna data atau fenomena yang dapat ditangkap oleh peneliti, dengan menunjukkan bukti-buktinya. Baik data hasil wawancara, observasi maupun dokumentasi, selama mengadakan penelitian di Bank BNI Syariah Surabaya.
Hasil penelitian menunjukkan bahwa pelaksanaan taâ€™widh pada fatwa DSN MUI No.43/DSN-MUI/VIII/2004 di Bank BNI Syariah Surabaya sudah sesuai dengan ketentuan fatwa DSN MUI No.43/DSN-MUI/VIII/2004. Sedangkan implementasi taâ€™widh bagi nasabah wanprestasi pada Bank BNI Syariah Surabaya dalam kasus yang ada yaitu Bank BNI Syariah dalam menyelesaikan pembiayaan BNI Griya iB Hasanah bermasalah dengan cara kebijakan menerapkan rescheduling. Karena dengan penerapan kebijakan ini pihak nasabah dapat menyelesaikan pembiayaan BNI iB Griya bermasalah dengan baik, tanpa ada pihak yang merasa dirugikan. Di dalam kasus ini, sebenarnya ganti rugi (taâ€™widh) yang seharusnya dikenakan sudah dilakukan dan dihitung kerugiannya, tetapi melihat dari niat nasabah yang masih mempunyai itikad baik dan juga nasabah dalam keadaan force majeur maka atas kebijakan dari Bank BNI Syariah, ganti rugi tersebut ditiadakan.
Sejalan dengan kesimpulan di atas, Bank BNI Syariah Surabaya, diharapkan untuk lebih menganalisis pengajuan pembiayaan, khususnya pembiayaan BNI Griya iB Hasanah harus lebih ketat, selektif, cermat, teliti dan hati-hati dalam menganalisis calon nasabah. Dengan demikian, nasabah atau calon nasabah dapat diketahui layak atau tidak untuk diberikan modal.
Jualbeli Pakaian Preloved di Royal Plaza Surabaya Perspektif Kaidah Hukum Ekonomi Islam
Authors: Rizky Maulida Naila , Khoirotin Ni'mah Rajabiyah , Nur Aini Rizka
Published: July 2023

Jualbeli adalah kegiatan tukar menukar barang atau uang dengan barang yang dilakukan dengan cara melepaskan hak milik dari pihak satu ke pihak yang lain atas dasar saling merelakan atau saling ridha. Lalu kaidah hukum ekonomi Islam yaitu ketetapan hukum Islam yang bersifat umum dan komprehensif yang mencakup hukum-hukum derivatifnya. Penelitian ini menggunakan metode kepustakaan dan observasi dimana peneliti mengamati dan mengambil sumber dari beberapa buku dan jurnal yang menjelaskan tentang jualbeli pakaian bekas yang sesuai dengan kaidah fikih. Dalam metode observasi, kehadiran penulis akan melakukan kunjungan langsung ke lapangan yaitu toko baju bekas impor (preloved) yang berada di Royal Plaza Surabaya. Hasil penelitian ini menunjukkan bahwa pelaksanaan jualbeli pakaian bekas perspektif kaidah fikih dapat disimpulkan bahwa jualbeli pakaian import bekas juga memiliki dampak yang ditimbulkan, yaitu dampak positif dan dampak negatif. Dampak dalam pembelian pakaian import bekas lebih beresiko daripada manfaat itu sendiri, seperti menimbulkan berbagai penyakit. Dampak positif dari penjualan pakaian ini sudah kita ketahui bahwa dengan harganya yang murah dan merakyat sesuai dengan kantong mahasiswa, sehingga hal tersebut sangat menyenangkan bagi mereka yang hanya memiliki uang pas-pasan namun masih ingin terlihat trendy dengan memakai pakaian import yang branded. Penelitian ini bertujuan untuk mengetahui bagaimana kaidah fikih dapat dijadikan alat analisis terhadap adanya perdagangan pakaian bekas impor dan akibat yang terjadi dalam perdagangan pakaian preloved itu.
Praktek Akad Murabahah Bil Wakalah di BMS UINSA Perspektif Fikih Ekonomi
Authors: Evarianti Ika , Fissilmi Kaffah Atika , Nihayatun Ni'mah Alfa
Published: July 2023

Islam sebagai agama yang kaffah dalam mengatur segala aspek kehidupan manusia, turut mengatur aspek hubungan muamalah termasuk bidang muamalah maliyah (ekonomi Islam). Islam memiliki bentuk muamalah maliyah untuk memudahkan dalam pembiayaan pembelian barang yaitu melalui adanya murabahah. Penerapan akad murabahah murni jika diimplementasikan oleh lembaga keuangan syariah seperti Bank Mini Syariah pada zaman sekarang ini dianggap kurang efisien, sehingga muncul akad muamalah kontemporer sebagai solusi implementasi akad murabahah pada lembaga keuangan syariah, yaitu akad murabahah bil wakalah. Tujuan penelitian adalah untuk mengetahui bagaimana mekanisme murabahah bil wakalah ditinjau dari kaidah fikih ekonomi. Metode penelitian yang digunakan adalah studi pustaka (research library) dan wawancara mendalam (in dept interview) serta deskriptif analisis hukum. Hasilnya, bahwa akad murabahah bil wakalah ini juga menghilangkan mudharat yaitu menggantikan sistem riba di bank konvensional. Adanya wakalah pada akad murabahah sebagai penerapan kaidah fikih ekonomi: al-takhfÄ«f wa taysÄ«r lÄ tashdÄ«d wa al-taâ€˜sÄ«r. Pada pelaksanaan wakalah bila terjadi hal-hal yang tidak diinginkan pada saat pembelian barang, maka tanggung jawab penuh diberikan kepada pihak wakil (pembeli).
Detection of violations of open-pit mining lease boundaries using Sentinel-2 MSI data in the case of Lao Cai and Yen Bai provinces of North Vietnam
Authors: Tran X. B. , Trinh L. H. , Nguyen Q. L. , Levkin Yu.  M. , Zenkov I. V. , Tong T. H.
Published: July 2023

Illegal mining, including the violation of lease boundaries during the extraction of mineral deposits in Vietnam, has witnessed a significant surge in recent years, leading to substantial environmental degradation. Due to the remote locations of mining areas in relation to settlements, the detection of illegal mining activities using conventional methods poses considerable challenges. This study presents a methodology for identifying lease boundary violations in open-pit mining of mineral deposits by utilizing high-resolution satellite images from the Sentinel-2 MSI system. The proposed methodology involves overlaying Sentinel-2 MSI radar-acquired satellite images to identify disparities between approved lease boundaries and actual boundaries of mining areas. The research focuses on the mineral-rich provinces of Lao Cai and Yen Bai in North Vietnam. The findings of this research rhold great potential for effectively monitoring and promptly detecting violations of mining lease boundaries.
Clinical significance of detection of micrometastases in lymph nodes in ovarian cancer
Authors: Aldushkina Yu. V. , Anisimova N. Yu. , Gritsai A. N. , Novruzov K. M. , Dolzhikova Yu. I. , Odaryuk O. A. , Filonenko D. V.
Published: July 2023

Ovarian cancer of epithelial origin is the most common type of oncological process in this organ and is characterized by a high probability of fatal outcome. It is believed that this is due to insufficiently effective diagnosis of the prevalence and severity of this disease. This review presents data on the development of disease recurrence in a significant number of patients after cytoreductive surgery. According to some authors, the reason for the high risk of recurrence is the insufficient information content of the method of studying histological preparations of regional lymph nodes after staining with hematoxylin and eosin to detect small-sized metastases, including isolated tumor cells and micrometastases. To improve the accuracy of such diagnostics, it is recommended to supplement the study of multilevel sections of lymph nodes using routine staining with the use of immunohistochemistry and other methods using various antibodies to cytokeratins, along with other epithelial markers. The review provides an analysis of the opinions of various researchers on the prognostic significance of the detection of micrometastases in the lymph nodes, which can increase the effectiveness of therapy due to a more accurate assessment of the prevalence of the disease and correction of the tactics of treating patients with various oncological diseases.
Relationship of SLCO1B1 and ABCB1 gene polymorphisms with clinical variants of methotrexate toxicity in pediatric acute lymphoblastic leukemia therapy
Authors: Gurieva О. D. , Savelyeva М. I. , Sozaeva Zh. A. , Valiev Т. T.
Published: July 2023

Background. Despite the significant clinical efficacy of current treatment protocols for acute lymphoblastic leukemia (ALL) in children, high-dose methotrexate demonstrates significant interindividual variability in drug toxicity and disease outcomes due to polymorphisms of drug transporter genes and genes responsible for cytostatic metabolism, which makes pharmacogenetic studies increasingly relevant.

Aim. To evaluate the association of ABCB1 (C3435T rs1045642, rs1128503, rs2032582, rs4148738), SLCO1B1 T521C rs4149056 gene polymorphisms with the main types of methotrexate toxicity and the onset of clinical events (death, recurrence, progression) during the treatment of childhood ALL.

Materials and methods. The study enrolled 103 patients diagnosed with ALL who received therapy according to BFM group protocols (2002/2009), using high-dose (2000 and 5000 mg/m2) methotrexate. Laboratory methods using NCI toxicity scales (CTCAE v5.0 2018) were used to assess adverse reactions. Real-time polymerase chain reaction method was used to study ABCB1 and SLCO1B1 gene polymorphisms. The study material was peripheral blood. Material was sampled once, regardless of the duration of methotrexate therapy. SPSS Statistics 21.0 software was used for statistical processing of the results. Analysis of associations was performed using the χ2 criterion and Fisher’s exact test.

Results. Development of infectious complications, oropharyngeal mucositis, delayed MTX elimination, events were significantly associated with polymorphisms of the studied genes: SLCO1B1 T521C rs4149056, ABCB1 rs4148738, ABCB1 rs1128503, which correlates with the data of world scientific literature.

Conclusion. Determination of polymorphisms of genes responsible for the transport and metabolism of methotrexate is a promising and dynamically developing area of clinical oncology.
Assessing radonotherapy effectiveness and modulated steroidogenesis in experimental chronic endometritis model
Authors: Chernova A. E. , Remneva O. V. , Bobrov I. P. , Lepilov A. V. , Mazko O. N. , Makarova O. G. , Semenikhina N. M. , Rozhkova O. V. , Grebtsov I. V. , Baranov D. A. , Antonova S. A. , Baranova V. V.
Published: July 2023

Aim: to evaluate therapeutic efficacy and modulated steroidogenesis after radon therapy in experimental chronic endometritis model.

Materials and Мethods. A therapeutic effect related to radon mineral waters was studied experimentally. The water radon concentration was 5.4–6.2 nCi/dm3. The experimental endometritis was induced in laboratory Wistar line rats (n = 40) inoculated with intra-uterine self-fecal suspension. Experimental group animals (n = 10) received a wide-spectrum antibiotic Ceftriaxone within 7 days followed by applying 10 procedures of radon therapy one a day and from day 41, the first procedure lasting 5 minutes, the second – 8 minutes, the third – 10 minutes, with all other procedures – for 15 minutes. Comparison group I animals (n = 10) received antibacterial therapy, radon therapy and 10 procedures of peloid therapy with natural salt-saturated medium sulfide silt therapeutic mud according to a radon therapy regimen. Сomparison group II (n = 10) received antibacterial and peloid therapy according to comparison group I regimen. Control group (n = 10) received no treatment. Inflammatory signs were assessed by endometrium histology study. The venous steroid hormones levels were analyzed by enzyme-linked immunosorbent assay.

Results. In experimental vs. control group, it was found that endometrial diffuse infiltrate was of lower density comprising 125.4 ± 8.1 vs. 180.7 ± 9.0 immunocompetent cells (by 30.7%; p = 0.002), whereas in comparison group I, density of inflammatory infiltration was minimal (reduced by 88.7 % compared to control group; p < 0.001) and reached 20.5 ± 1.8 cells. In the experimental group as well as comparison groups I and II vs. control group, a significant increased level of serum progesterone was observed after treatment (p = 0.008). When using a radon therapy in experimental group, it resulted in a more prominent rise in progesterone level compared to peloid therapy in comparison group II. Radon balneotherapy was found in main control group to elicit a significant declined estradiol level (p = 0.008), but not in comparison groups I and II featured with no significant change in estradiol level compared to control group.

Conclusion. Radon therapy exerts an anti-inflammatory effect in experimental chronic endometritis model. Radon therapy combined with peloid therapy has a potentiated effect. The use of radon balneotherapy is accompanied by significantly increased progesterone and decreased estradiol level suggesting to conduct clinical trials for confirming its effectiveness in patients with reproductive dysfunction including diseases accompanied by hyperestrogenism.
Contemporary insights into rehabilitation of cervical cancer patients
Authors: Blinov D. V. , Solopova A. G. , Achkasov E. E. , Korabelnikov D. I. , Akavova S. A. , Galkin V. N. , Nenakhov Ph. V. , Bykovshchenko G. K. , Petrenko D. A.
Published: July 2023

Cancer prevalence particularly for cervical cancer (CC) has been steadily increasing tending to rise among young women. Vigorous antitumor treatment approaches employed in CC management have detrimental effects on various aspects of a woman's life. In addition to causing morphofunctional alterations in diverse host organs and systems, such treatment protocols result in psychological and emotional disturbances, sexual dysfunction, and social maladjustment, which collectively profoundly reduce the quality of life (QoL). Integrating timely rehabilitation programs into comprehensive care of such patients can effectively alleviate or minimize complications related to antitumor treatment, improve QoL, and restore a woman's desire for satisfying sexual and social engagement.
Nutritional support in the complex therapy of clostridial infection after surgery
Authors: Kuzmina Tat'yana N. , Smirnova Olga A. , Sergeeva Alena V. , Baychorov Aslan B.
Published: July 2023

This article presents the tactics of nutritional support in a patient with pseudomembranous colitis after repeated consecutive operations on the abdominal organs, which led to significant violations of the nutritional status. Competent, individually selected correction of protein-energy deficiency in patients with pseudomembranous colitis allows achieving an effective treatment result, avoiding severe complications such as perforation, toxic dilatation, and bleeding. The peculiarity of this clinical case is that a patient with perforation of Meckels diverticulum and abdominal abscess developed a complication secondary widespread peritonitis, phlegmon, which required repeated surgical interventions. Surgical treatment and massive antibiotic therapy led to the development of Clostridium difficile infection: during the treatment the patient developed multiple loose stools and C. difficile toxins A and B were detected. Severe pseudomembranous colitis was accompanied by protein-energy deficiency (hypoproteinemia, hypoalbuminemia), severe dehydration, hypokalemia, hyponatremia, and moderately severe anemia of complex genesis. When selecting nutritional support for patients with clostridial infection, it is important to take into account severe systemic inflammation, which affects the absorption and absorption of the intestinal wall, which in turn determines the route of introduction of nutrient substrates. In this case we needed to choose the right method for correcting the patients nutritional status.
Modern Legislative Process: from Legal Trends to Predictable Development Scenarios
Authors: Zaloilo Maksim V.
Published: July 2023

The objectives of the article are to identify trends in the development of the legislative process in the Russian Federation and formulate proposals to improve its effectiveness. In order to achieve them, the legal regulation and statistics of the legislative process in the Russian Federation are analyzed, doctrinal concepts and forecasts of the development of the legislative process are studied, including in the conditions of digitalization and other global challenges.
The research is based on the use of systemic, structural-functional, formal-legal, comparative-legal methods, methods of legal modeling and legal forecasting in their entirety.
It is established that the development of the modern legislative process is carried out in the following directions: regulation by a large number of normative legal acts of different legal force, including legislative acts, as well as by-laws; high activity of some subjects of the right of legislative initiative along with low activity of others; systematic clearing of the legislative base, which is simultaneously complemented by the practice of introducing bills with a similar subject of regulation in place of rejected ones; the necessity and consistency of the model of direct participation of the President; increasing the role of the Government of the Russian Federation in the legislative process and the growth of its legislative work; increasing the number of initiators of federal bills or creating additional legal conditions and guarantees for the implementation of their legislative ideas and proposals while maintaining the current subject composition of the right of legislative initiative; preserving the practice of short-term planning of legislative work along with the increasing need to ensure a comprehensive and promising their planning; strengthening the interaction of the branches of government in the legislative process, including through the work of the Commission of the Government of the Russian Federation on legislative activities; scientific support of the legislative process and the increasing importance of its principles such as professionalism, scientism; information support of the legislative process; the impact on the legislative process of the level of development of legal technique, modern information technologies and procedures. Promising tasks for legal science that need to be solved to ensure the effectiveness of the legislative process are identified.
Property Tax Legal Relations: Concept and Features
Authors: Krasyukov Andrey V.
Published: July 2023

The article is devoted to the study of the essential features of property tax legal relations in Russia. The author analyzes the legal positions of the Constitutional Court of the Russian Federation in the field of taxation and highlights certain approaches to understanding property tax legal relations. As part of the study, the author focuses not only on studying the practice of the Constitutional Court of the Russian Federation, but also explores the existing scientific views of the science of financial law, as well as civil law. The author highlights the features of property tax legal relations that characterize both their public law form and economic content. In connection with the findings, the article formulates the author's definition of property tax legal relations.
La subjetividad jurídica de la naturaleza en el nuevo constitucionalismo andino: los casos de Ecuador, Bolivia y Colombia
Authors: Riccardo-Perona  , Caro-Benítez Melisa-José , Massimiliano-Bin
Published: July 2023

This paper aims to schematically address three of the most relevant constitutional experiences in terms of forms of protection of nature within the “new Andean constitutionalism”: Ecuador, Bolivia and Colombia. The choice of these three countries as case aims to present different and alternative models, implemented in legal systems with their own and different characteristics, in order to improve the quality and effectiveness of environmental legal protection, resorting in all cases, and notwithstanding the differences, to granting rights to the environment (or rather, to nature), through the declaration of its legal subjectivity. In this sense, the methodology applied in the study will be theoretical and comparative, based on the bibliographic review of secondary sources.
Diagnóstico de la efectividad de la comunicación organizacional: desde el enfoque del cliente interno
Authors: Bustillo-Castillejo María , Machado-Licona Jhorquis
Published: July 2023

The purpose of this study is to analyze the factors of organizational communication that, according to the perception of the internal customer, are susceptible to improvement. In order to achieve this objective, the quantitative methodology of positivist paradigm was implemented. The method is inductive, the data collection technique was a survey with 10 questions, finally, a correlation test was performed to identify the existence of incidence of the independent variables: information accuracy, information scope, information channels, information congruence, updated information, communication system structure, information access barriers and PQR system (requests, complaints and claims) on the dependent variable: communication effectiveness. The sample consisted of 150 members of an organization in the city of Cartagena de Indias. The main result was that the variables: consistency of information, updated information, barriers to access to information and the PQR system are the ones that most influence the behavior of the dependent variable, as evidenced by the coefficients for Spearman’s Rho (non-parametric correlation test) obtained, which are above 0.4. The central conclusion of the study indicates that it is necessary to improve the organizational communication system, emphasizing the information channels and mitigating the barriers to access to information.
Adapting stroke rehabilitation during the COVID-19 pandemic: Exploring the experiences of patients and families of an Early Supported Discharge telerehabilitation programme
Authors: Hartigan Irene
Published: July 2023

Purpose: To describes stroke survivors (SS) and carer’s experiences of an Early Supported Discharge (ESD) programme delivered via telerehabilitation during the COVID-19 pandemic. Methods: Purposive sampling was conducted to recruit stroke survivors and carers who participated in telerehabilitation with a regional ESD team. Semi-structured interviews were conducted online. Interviews were transcribed and coded. Qualitative data analysis was conducted. Results: Eleven people were recruited including individual stroke survivors (n=4), carers (n=1) and family dyads (n=3). Four major themes were identified: (1) Channels of communication and enabling relationships (2) The importance of the daily rehabilitation routine, (3) Hands-off training and technology, (4) Virtual and non-tactile reality. Open channels of telecommunication were central to ensuring continuity of care and imparting information and education. Conclusion: Despite the implications of the COVID-19 pandemic, most participants described positive experiences of ‘virtual and non-tactile’ video enabled rehabilitation. Telerehabilitation enabled stroke survivors and therapists to build relationships which fostered engagement and supported rehabilitation. Further work is required to examine upscaling telerehabilitation use beyond the pandemic and to better understand key factors regarding patient selection.
Samara within the scope of “The Eighteenth Year” novel by A.N. Tolstoy
Authors: Vorontsova Galina N.
Published: July 2023

The article considers one of the aspects of depicting Samara in the novel by A.N. Tolstoy The Eighteenth Year (19271928), namely the use of Notes on the 1918 Czechoslovak Rebellion to show the battles on the city streets in June 1918, which are now kept as part of the writer's archive in the Manuscript Department of the A.M. Gorky Institute of World Literature under RAS. Tolstoy re-conceptualized the information and supplemented it with artistic images to describe the events and give them historical reliability. The article gives examples of the writer's work with documentary materials that were reflected both in the chronological context of the narrative and in single episodes of the novel.
Factors Related to Diet Adherence in Diabetes Mellitus Patients: A Scoping Review
Authors: Dwi Kurnia Anggraini , Belqis Annisa Elya Ismi
Published: July 2023

Diabetes Mellitus (DM) is a disease that causes increased blood glucose levels or hyperglycemia. High blood glucose levels can be controlled by following a diet program. Adherence to diet is one of the keys to stabilizing blood glucose and preventing complications. Therefore, this study aimed to determine the factors associated with dietary adherence in patients with diabetes mellitus based on a literature study of 12 journals. Journal searches were carried out on Google Scholar, PubMed, ScienceDirect, and ProQuest using the keywords Factors AND Associated AND Diet OR Dietary AND Adherence OR Compliance AND Diabetes Mellitus. The journals were then assessed for quality using the Joanna Briggs Institute and analyzed using qualitative descriptive analysis. Based on the analysis, there is a relationship between intrinsic factors (age, gender, marital status, occupation, place of residence, education level, income/economic, family type, level of knowledge, BMI, duration of illness, perception, self-motivation, smoking, and family history of DM) of 71% and extrinsic factors (social support, family support, caregiver category, diet monitoring, and selection of food types) of 29%. Based on the results, it can be concluded that these factors are related to dietary compliance, so it is hoped that various nursing strategies can be designed to help people with diabetes mellitus improve their adherence to diets.
Keywords: Dietary Compliance, Factors Associated, Diabetes Mellitus
Effervescent Tablets Formulation of Jicama (Pachyrhizus erosus) Extract with Various Concentrations of Binders and Sweeteners
Authors: Rahmasari Dyah , Lingga Ludiana Didin , Teja Permana Randy
Published: July 2023

Osteoporosis is a major public health problem. Exogenous estrogen or Hormone Replacement Therapy (HRT) is the potential therapy for osteoporosis. Still, the patient rarely chooses this treatment because of the risk of breast and endometrial cancer. Phytoestrogens or estrogen-like compounds, particularly isoflavones, are a potentially safe alternative to HRT. Jicama (Pachyrhizus erosus) is a plant that contains many phytoestrogens. This research aimed to determine the physicochemical characteristics of jicama extract in effervescent tablets with various concentrations of binder and sweetener. The manufacturing of jicama effervescent tablets used raw materials extracted from 96% p.a. ethanol by maceration. The extract is then formulated with various binder concentrations (PVP 40 and gelatin) and sweeteners (lactose and Mannitol) using the wet granulation method. Based on the test results on the physicochemical properties of tablets, all the formula meets the requirement of a good tablet, and the preferred formula is Formula 4 with 0.75% of PVP40 and 47,75% Mannitol. Ethanol extract of jicama can be formulated into effervescent tablets and has the potential to be developed as a treatment for osteoporosis.
Keywords: Xicama Extract, Fitoestrogen, Estrogen-like therapy, Osteoporosis, Effervescent tablet
The Effectiveness of Exercise in Reducing Dysmenorrhoea Pain in Adolescent Women: A Literature Study
Authors: Setyowati Lilis , Freeska Dwi Marta Ollyvia , . Nur Aini , Wahyu Mashfufa Erma , Putri Kinanti Machilda , Dwi Susanti Henny
Published: July 2023

This literature study aimed to identify the effectiveness of exercise in reducing pain thresholds in adolescents with dysmenorrhea. A literature search on Pubmed, Research Gate, ScienceDirect, and Proquest, was conducted from March to June 2022. Stretching, Zumba, FITT, Yoga, Aerobics, and Physical activity were the exercises found in the journal, and the study population was devoted to adolescents. The research design was a Randomized Controlled Trial (RCT) and Quasi-Experiment. The pain scale in the journal used the Visual Analogue Scale for Pain (VASP), Visual Analog Scale (VAS), MCGILL Pain, and the Numeric Rating Scale (NRS). Of the ten journals that were analyzed, exercise was the most effective in reducing pain threshold when adolescents experienced dysmenorrhea. Of the five kinds of exercise found when analyzing the 10 journals, the most effective exercises reduced pain score is 5.62.
Keywords: Dysmenorrhea, exercise, Pain
Formulation of Green Robust Coffee Bean Extract (Coffee Canephora) in Serum Preparation Using Gelling Agent Hidroxy Propyl Methyl Cellulose
Authors: Ermawati Dian , Chasanah Uswatun , . Cyndy
Published: July 2023

Robusta green coffee bean extract (Coffee canephora) contains chlorogenic acid, a polyphenolic compound that functions as an antioxidant. It acts by inactivating the oxidation reaction to prevent free radicals from forming. In this study, robusta green coffee bean extract was made in serum preparations because the serum contains a high concentration of active ingredients. It can immediately overcome skin problems and provide a relaxing effect when applied. This study aimed to determine the effect of varying the levels of extracts of robusta green coffee beans (Coffee canephora) at 2.5%, 5%, and 7.5% on the physical and chemical characteristics (organoleptic, pH, dispersibility, homogeneity and viscosity) and the physical stability in serum preparations with an HPMC 0.5% gelling agent. The study was initiated by making a serum formulation with variations in the level robusta green coffee bean extract levels of 7.5%. Organoleptic and homogeneity tests were observed. The pH, dispersibility, and viscosity tests were analyzed using the One-way Anova data analysis methods. The stability test was carried out using the Freeze-Thaw method. The results of the data before and after the stability test were analyzed using the Paired- Sample T Test. Increasing levels of robusta green coffee bean extract in serum had an effect on the results of the physical and chemical characteristics. The intensity of the color is got sharper, the spreadability increased, while the pH and viscosity decreased. The results of the Freeze-Thaw stability test during the 12 days of storage did not affect the pH value and dispersion. So, preparation was stable and safe for use on the skin.
Keywords: Robusta green coffee bean extract (Coffee canephora), serum, physicochemical characteristics, and stability.