Suchergebnisse

The financing risk is a significant issue in the Islamic banking industry that affects its performance. This research aims to examine the factors that influence financing risk on the financial performance of Islamic banking in Indonesia. This study utilized time-series data quarterly from 2009-2020 collected from three types of Islamic banking in Indonesia: Islamic Commercial Bank (ICB), Islamic Business Unit (IBU), and Islamic Rural Bank (IRB). It was analyzed using multiple regression estimation techniques with the Ordinary Least Square (OLS) method. This study revealed that the Islamic banks' financing risk is significantly influenced by bank capital, financing, economic growth, inflation, and central bank' rate (BI rates), both negatively and positively. In detail, the increase of bank capital, financing, and economic growth will reduce the financing risks, whilst inflation and BI rate increase the financing risks. The findings also disclosed that Islamic banks' financial performance is influenced by bank capital, operating costs, financing risks, inflation, and BI rates. Thus, the decrease in bank capital, operational costs, and financing risks will subsequently decrease the financial performance, while the increase of inflation and BI rates will increase the financial performance of Islamic banks. Economic growth is the most influential factor in reducing financing risk, while financing risk is the most significant factor in improving banks' financial performance. The government's efforts to boost economic growth are crucial to reducing financing risks and improving the financial performance of Islamic banks.==========================================================================================================ABSTRAK – Dampak Risiko Pembiayaan terhadap Kinerja Bank Syariah di Indonesia. Risiko pembiayaan merupakan persoalan utama bagi industri perbankan termasuk perbankan syariah. Tujuan dari penelitian ini adalah untuk menganalisis faktor-faktor yang mempengaruhi risiko pembiayaan dan pengaruhnya ...

Abstract: Zakat is intended to empowering the mustahik and improving their living standard. For this reason, the Islamic economic system through zakat is believed as one of solution to overcome social gap and inequalities. Qualitative descriptive research is used to reveal Zakat Law Number 23 of 2011 drafting as Law Number 38 of 1999 replacement; and al-Maqashid al-Shari'ah as analysis approach. The high poverty rate, the great potential of zakat, and the responsibility of the State promote the "productive zakat" in form of scholarships, venture capital, and other forms are inevitably, while distributing the fund to the eight asnaf as stated in Al Qur'an Surah At-Taubah verse 60.Abstrak: Sistem ekonomi Islam melalui zakat merupakan solusi untuk menanggulangi kesen­jangan sosial yang akan berakibat pada kecemburuan sosial, konflik sosial, bahkan sampai revolusi sosial. Pengelolaan zakat yang baik mendistribusikan dana zakat tidak bersifat konsumtif tetapi secara produktif baik dimensi ekonomi, pendidikan, bahkan sarana sosial lainnya sehingga mustahik mampu mengembangkan dana zakat yang diteri­­ma guna meningkatkan taraf kehidupannya. Penelitian deskriptif kualitatif diguna­kan untuk mengungkapkan kejadian atau fakta proses pembuatan undang-undang nomor 23 tahun 2011 sebagai perubahan dari undang-undang nomor 38 tahun 1999. Sedangkan untuk menganalisis digunakan pendekatan al-Maqashid al-Syari'ah. Angka kemiskinan yang tinggi dan potensi zakat yang besar serta tanggungjawab Negara dalam hal itu menjadikan pengelolaan zakat secara produktif seperti dalam bentuk beasiswa, permodalan, pemberian alat-alat produksi dan sebagainya adalah hal yang niscaya dengan tetap mendistribusikannya tidak keluar dari delapan asnaf yang tertuang dalam Al-quran surat At-Taubah ayat 60.

This study aims to evaluate the Teacher Professional Education Program Bachelor of Education In The Foremost, Outer And Behind program in Jakarta State University. The research of Teacher Professional Education Program Bachelor of Education In The Foremost, Outer And Behind program evaluation used CIPP model of Daniel L. Suffebeam because this approach fits the research objectives describing the Teacher Professional Education Program Bachelor of Education In The Foremost, Outer And Behind program. The instruments used were the researcher himself, interview guidance, questionnaires, and documentation. Data analysis was done in accordance with Miles and Huberman namely; data reduction, data display, and conclusion. The results found were: 1) context aspect namely: that Teacher Professional Education Program Bachelor of Education In The Foremost, Outer And Behind program had agreed with the objectives, had a strong legal basis, and needs analysis namely to assist the acceleration of government programs for equitable education; 2) input aspects namely: program plan and facilities in the form of human resources such as lecturers, Teacher Professional Education Program participants, facilities and infrastructure, funding, partnership and management were available well according to the plan; 3) process aspects, namely the implementation of the activities, including: the implementation of the evaluation process, decision-making process, learning process, and graduation process had already run well; 4) product aspects namely Teacher Professional Education Program Bachelor Of Education In The Foremost, Outer And Behind Program of Education of Physical, Health and Recreation study program of Jakarta State University had been able to improve the quality and quantity of participants, including the number of graduates. Based on the results of this evaluation, it can be concluded that Teacher Professional Education Program Bachelor of Education In The Foremost, Outer And Behind program had been implemented as well as possible but it needed improvement of facilities and infrastructure, funds, and coordination between the ministry of research and technology of higher education and Teacher Training Institute of Jakarta State University. Keywords: Program Evaluation, Teacher Professional Education Program Bachelor of Education In The Foremost, Outer And Behind, CIPP Model, and Education of Physical, Health and Recreation.

Indonesia is an archipelago country that has natural resources consist of sea, sun, sand and the mainland are allowed to be used as a source of foreign exchange. For regions that are particularly awarded exotic natural resources, are expected to contribute in providing foreign exchange for the region. This is to support the independence towards the area, especially in the field of economy. The problem faced is how to market strategy of natural resources of sea, sun, sand and mainland abundant it becomes an asset that can contribute to regional development in order to achieve economic independence. One effort that can be done is to create the area into a sustainable tourist visits. The tourism sector is an industry that is driven by the market. To market tourism products required the involvement of all parties in the management of travel ranging from travel managers, government, and society. Strategies that can be used in tourism marketing can be done in a way create unique product strategy, develop new Attractions, founded overseas tourist Information center, branding and promotion.Kata Kunci: Resources, Economic independence, tourism marketing, marketing strategy

The Qur'an's verse, Al-Baqarah: 283, explains rahn in a trip condition, however, the fact that the enforcement of rahn also occurs in muqim condition. Syar'ah fiduciary needs to be included into law as Muslims in Indonesia are the majority and based on the decision of OKI (Islamic Conference Organization), Indonesia is as an Islamic country. Therefore, by being supported by Pancasila, it generates God Sovereignty theory. The research method used is normative juridical method: that is the law research method done by researching literature. The research shows that: 1) the fiduciary truth (rahn) in Islamic law is (syara') making a thing having value of property in the view of Syara' as a debt guarantee, which enables to take the whole or part of the debt of the thing. Method of istinbath al-hukmi is related to the fiduciary done by the fiduciary institution using qiyas (metaphor), 2) the emergence of dualism of sharia fiduciary institution and sharia banking was caused by the existence of fatwa of National Sharia Board MUI (Indonesian Council of Religious Scholars) No: 25/DSN-MUI/lII/2002, and Fatwa of National Sharia Board MUI No: 26/DSN-MUI/II1/2002, in which sharia financial institution is allowed to produce the product which accords with syarih principles, 3) critic towards law No. 21, 2008 and governmental regulations No. 51, 2011 are not directly clarified, but has similarities and explanations concerning a product that must accord with sharia principles.

Metaphors used in the political news published in Kaltim Post Daily News are analyzed in this study. The objectives of the analysis are to see kind of metaphors and their intended meaning in the context of news. Content analysis is used for the design in this study. Data are collected from available news for two months. Criteria of metaphors as proposed by Wahab (1995) are used for analysis. This study identified two kinds of metaphors among three kinds proposed by Wahab (1995). The first kind is nominative metaphors used as a subject of a sentence. The second kind is predicative metaphor used for an predicate of a sentence. In the context of lead presentation in of news in publication, the use of nominative and predicative metaphors are relevant to the uses of precise dictions in the limited space of publication.

Understand the next level of marketing The new model for marketing-Marketing 3.0-treatscustomers not as mere consumers but as the complex, multi-dimensional human beings that they are. Customers, in turn, are choosing companies and products that satisfy deeper needs forparticipation, creativity, community, and idealism. In Marketing 3.0, world-leading marketing guru PhilipKotler explains why the future of marketing lies in creatingproducts, services, and company cultures that inspire, include, andreflect the values of target customers. Explains the future of marketing, along with why most marketersare stuck in the pastExamines companies that are ahead of the curve, such as S.C. JohnsonKotler is one of the most highly recognized marketing gurus, famous for his "4 P's of Marketing" In an age of highly aware customers, companies must demonstratetheir relevance to customers at the level of basic values. Marketing 3.0 is the unmatched guide to getting out front ofthis new tide sweeping through the nature of marketing.

Narcotics abuse is a danger that can destroy the next generation and hinder the development of the Indonesian nation in carrying out development in every sector of life. The narcotics problem is very much a concern of the people of Indonesia and especially the Province of North Sumatra because this province is ranked second after the Special Capital Region of Jakarta in the number of narcotics users. This research is very important in order to help the government program in order to avoid the youth of the nation's successors of narcotics users and provide a deterrent effect to the perpetrators of criminal acts of narcotics abuse. That the application of Law No. 35 of 2009 concerning narcotics has set about a double track system where narcotics addicts can be punished with actions in the form of rehabilitation. But in its application the judge always imposes criminal sanctions in the form of prison for drug addicts. So that more and more drug addicts in prison. The problems discussed in this study are the implementation of the double track system model, criminal sanctions and actions as a criminal system for the perpetrators of narcotics abuse crimes in Langkat Class II Penitentiary, whether this double track system can be implemented and whatever is an obstacle in the implementation of this double track system, by using the socio-legal research approach. Conclusions from the results of the study up to now the criminal system that was handed down in the Langkat District Court against narcotics criminals still used a single track system, so that all prisoners who served their sentences in Class II A Narcotics Lap Langkat were sentenced in the form of imprisonment.

The 4.0 Industrial Revolution which was marked by the birth of smart technology and machinery, automation (robotic), artificial intelligence and IoT encouraged disruptive change, which was different from the industrial revolution 1.0-3.0. A critical perspective considers that humans will become highly dependent on smart technology. There are anecdotes, intelligent technology has become a "new religion" and embodies "digital gods". Slowly but surely, human nature as a social creature (zoon politicon) will be replaced by technology (techno politicon). Humans will be more humanizing robots than humans themselves. This paper aims to describe the negative impacts of smart technology, new work on extension 4.0 and the role of development counseling 4.0. For this reason a critical paradigm is used, qualitative design and phenomenological methods based on primary data and literature. The results of the analysis reveal that smart technology has a negative impact on almost all services. Rural communities that do not have access to internet networks (citizens) become the dominant group that is discriminated against. Together with local MSMEs, workers and employees, citizens are the future of development development. Extension and tehnotalent generations act as bridging and bonding community citizens with netizens, both in virtual spaces and real spaces.Keywords: Victims of "digital gods"; arable; development counseling

Tourism is a whole of the related elements in it consisting of tourists, tourist destinations, travel, industry and so on which constitute tourism activities. Tourism is the mainstay of the main source of foreign exchange because Indonesia is a country that has a wide variety of types of tourism, for example natural, social and cultural tourism which is spread from Sabang to Merauke. Tourism currently requires extraordinary development because of the demands of the times and the conditions of the surrounding environment. This tourism development, of course, must pay attention to elements of a sustainable environment. It also needs to be done in the development of tourism in Waluran District Sukabumi Regency as a reference in making strategies and in increasing cooperation between the government and surrounding communities. The purpose of this study is to map and analyze tourist objects in the District of Waluran, Sukabumi Regency. Then it aims to classify tourist objects based on mileage and accessibility. Another analysis of tourists and tour operators in the area. This research uses supporting analysis in the form of Geographic Information System (GIS)

The agricultural sector development strategy should be based on a comprehensive identification of various problems and the involvement of various interest groups. This study aims to produce priority alternative strategies for the government in Lebak Regency. The research method used in this study was a research based on qualitative and quantitative data. Data collection method used in qualitative data was interviews and quantitative data was questionnaires. The source of information that was being searched was Lebak regency government, farmer, agricultural expert, and strategic management expert. From the data collected, it was sorted according to the stages and then analyzed using SWOT and QSPM analysis. The results of the study show that first, several internal and external factors were identified from the interviews, second, the strategic position of the Lebak Regency government in agricultural development efforts was grow and build position, and third, there were nine alternative priority strategies for the development of the agricultural sector. The strategy that becomes the main alternative is "Be active in collecting information on assistance or cooperation programs from the central, provincial, regional government or other institutions". This strategy is the first priority ranking that needs to be considered in the local government policy of the Lebak Regency. ; Strategi pengembagan sektor pertanian harus didasarkan pada indetifikasi komprehensif dari berbagai permasalahan dan keterlibatan berbagai kelompok kepentingan. Penelitian ini bertujuan untuk mendapatkan strategi-strategi alternatif prioritas bagi pemerintah di Kabupaten Lebak. Metode penelitian yang digunakan dalam penelitian ini merupakan penelitian berbasis data kualitatif dan kuantitatif. Metode pengumpulan data yang digunakan pada data kualitatif berupa wawancara dan data kuantitatif berupa kuesioner. Sumber informasi yang dilakukan penelusuran adalah pemerintah Kabupaten Lebak, petani, ahli pertanian dan ahli manajemen strategi. Dari data ...

This study uses spatial modeling to determine the potential location of a rubber processing factory in East Ogan Komering Ulu (OKU), South Sumatra, Indonesia. This descriptive study used the map overlay method. Besides, this study also used six parameters, namely number of population, rubber plantation area, land slope, land suitability, river flow availability, and road network availability. Those six parameters were overlaid and scored to generate a map of the potential location for the rubber processing factory in East OKU, South Sumatra, Indonesia. Our analysis results suggest that the most potential location was 27.412 ha (9 percent), while the area with medium and low potential was 267.952 ha (86 percent) and 15.155 ha (5 percent), respectively. Generally, the pattern of the most potential area followed the road network pattern and river network in East OKU because both road and river facilitate the provision of water resources, as well as distribution of raw materials and produced products. These results can be used as a reference for the government of East OKU Regency in constructing the factory. Besides, this study can also be used as a Geography learning material in the course of map and mapping, as well as Geography Information System.

Government policy through UU No 34 Thn 2014 about Hajj Fund Management said that the Hajj Fund Management should with the principle of sharia. Then in 2014, there was a transfer Hajj Fund from Conventional banks to Islamic banks. Hajj Fund that transferred to Islamic banks have a large value so it can give positive contribution to the financial performance such as DPK.The aim of this study was to find out the financial performance of 6 BPS BPIH before and after the transfer of Hajj Fund from conventional banks to Islamic banks. Taking case studies at PT. Bank Syariah Mandiri, PT. Bank BRI Syariah, PT. Bank BNI Syariah, PT. Bank Mega Syariah, PT. Bank Panin Dubai Syariah, and PT. Bank Muamalat. The Data that used in this study is Return On Assets (ROA) and Financing to Deposit Ratio (FDR) in Quarterly Financial Report of 6 BPS BPIH,4 years before the transfer of hajj fund that started 2010 until 2013, and 4 years after the transfer of hajj fund that started from 2015 until 2018. The method of data analysis in this study uses a different samples in non parametrik, which is Wilcoxon Signed Rank Test. The result of this study shows us that there was a difference in ROA and FDR of BPS BPIH before and after the transfer of hajj fund from conventional banks to Islamic banks.

Shifting cultivation of Arfak farmer is a traditional planting which they inherited from their ancestor. This research aims to explain the environmental condition of shifting cultivation in Indisey and Somi villages and the barriers in socio-economy, social capital, and human capital. This research applies a cross-sectional study which is taken in a short period of time and done step by step to get certain points that lead to a clear conclusion. The results of the study show that shifting cultivation condition in Indisey and Somi villages have the fertility soil signed by the existing of trees called Bembuk and Ciskua. The farmworkers are their own family members and there are job divisions between men and women. There is also a traditional policy called Igya ser hanjob to manage the social life and natural resources of Arfak ethnic. The result of study also shows that the socio-economic condition of Arfak's community is started to improve. They are generous people who would love to give after they fulfilled their own needs. They open to new things and would like to learn from others. If there is conflict, it is due to the culture shock of local people when they have to follow the government program namely resettlement and the land demand of the palm oil expansion.