Pub Date : 2019-02-13DOI: 10.18592/at-taradhi.v9i2.2515
H. Hariyanto, Nuriadi Nuriadi
Penelitian ini bertujuan untuk mengetahuipenetapan margin pembiayaan taqsith pada Koperasi Syariah Arrahmah Banjarmasindan alasan penetapan margin pembiayaan taqsith pada Koperasi Syariah Arrahmah Banjarmasin. Penelitian ini merupakan penelitian lapangan ( field research ), dengan lokasi penelitiandi Koperasi Syariah Arrahmah Banjarmasin. Datadalam penelitian ini diperoleh melalui wawancara dan dokumenter, selanjutnya dianalisis secara deskriptif kualitatif. Penelitian ini menghasilkan temuan-temuan, pertama :Penetapan margin pembiayaan taqsith pada Koperasi Syariah Arrahmah Banjarmasin ditetapkan berdasarkan dari keputusan rapat pengurus, pengawas dan pembina koperasi. Metode yang digunakan oleh koperasi dalam menetapkan margin dengan metode flat , untuk pembayaran angsuran setiap bulannya tetap, tidak ada perubahan. Kedua : AlasanKoperasi Syariah Arrahmah Banjarmasin menetapkan margin pembiayaan taqsith dengan mempertimbangkan dari keuntungan rata-rata pada lembaga pembiayaansejenis dan biaya-biaya yangdikeluarkan dalam setiap transaksi untuk dana pihak ketiga.
{"title":"ANALISIS PENETAPAN MARGIN PEMBIAYAAN TAQSITH PADA KOPERASI SYARIAH ARRAHMAH BANJARMASIN","authors":"H. Hariyanto, Nuriadi Nuriadi","doi":"10.18592/at-taradhi.v9i2.2515","DOIUrl":"https://doi.org/10.18592/at-taradhi.v9i2.2515","url":null,"abstract":"Penelitian ini bertujuan untuk mengetahuipenetapan margin pembiayaan taqsith pada Koperasi Syariah Arrahmah Banjarmasindan alasan penetapan margin pembiayaan taqsith pada Koperasi Syariah Arrahmah Banjarmasin. Penelitian ini merupakan penelitian lapangan ( field research ), dengan lokasi penelitiandi Koperasi Syariah Arrahmah Banjarmasin. Datadalam penelitian ini diperoleh melalui wawancara dan dokumenter, selanjutnya dianalisis secara deskriptif kualitatif. Penelitian ini menghasilkan temuan-temuan, pertama :Penetapan margin pembiayaan taqsith pada Koperasi Syariah Arrahmah Banjarmasin ditetapkan berdasarkan dari keputusan rapat pengurus, pengawas dan pembina koperasi. Metode yang digunakan oleh koperasi dalam menetapkan margin dengan metode flat , untuk pembayaran angsuran setiap bulannya tetap, tidak ada perubahan. Kedua : AlasanKoperasi Syariah Arrahmah Banjarmasin menetapkan margin pembiayaan taqsith dengan mempertimbangkan dari keuntungan rata-rata pada lembaga pembiayaansejenis dan biaya-biaya yangdikeluarkan dalam setiap transaksi untuk dana pihak ketiga.","PeriodicalId":53102,"journal":{"name":"AtTaradhi Jurnal Studi Ekonomi","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2019-02-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"43083121","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2019-02-13DOI: 10.18592/AT-TARADHI.V9I2.2510
Ariyadi Ariyadi
Penelitian ini berangkat dari aktifitas yang sering dilakukan oleh masyarakat banjar yang selalu diidentikan dengan Islam. Secara sosiologis, keidentikan masyarakat banjar dengan islam merujukkan kepada identitas sosial yang merefleksikan suatu dasar ikatan sosial yang sama. Secara historis, Islam dijadikan sebagai sebuah poros sistem perdagangan oleh masyarakat banjar. Ini berarti bahwa perilaku orang banjar dapat dicarikan sumbernya pada referensi islam, serta bagaimana nilai kosmopolitanisme dalam praktik jual beli di pasar terapung pada Kalimantan Selatan . Penelitian ini bertujuan untuk mengetahui bagaimana cara transaksi jual beli dipasar terapung di Kalimantan Selatan, bagaimana akad transaksi jual beli di pasar terapung di Kalimantan Selatan serta bagaimana nilai kosmopolitanisme dalam praktik jual beli di pasar terapung pada Kalimantan Selatan. Dengan demikian, setidaknya yang selama ini menjadi titik masalah dapat terungkap dan dapat menjadi informasi ilmiah yang mencerahkan. Penelitian ini merupakan penelitian lapangan ( field research) , penelitian ini bersifat deskriptif, dimana data-data yang dikumpulkan dianalisis secara kualitatif. Untuk memperoleh data yang diperlukan. Penulis melakuan observasi, dokumentasi dan wawancara secara langsung kepada sebagian pedagang Pasar Terapung di Kalimantan Selatan. Melalui teknik analisis kualitatif dari penelitian ini menghasilkan temuan-temuan: Pertama , cara transaksi jual beli dipasar perapung di Kalimantan Selatan (1) Barter ,(Barang dengan barang yang setara) (2) Transaksi jual beli barang dengan alat tukar (uang). Kedua, akad yang digunakan di Pasar Terapung Kalimantan Selatan tidak bertentangan prinsip-prinsip syariat Islam. Ketiga, Adapun nilai-nilai kosmopolitanisme diantaranya: Menguatkan toleransi dan persaudaraan, tidak terdapat penipuan diantara pedagang dengan pembeli atau pedangan dengan pedagang. Suka sama suka antara pembeli dengan pedagang atau pedagang dengan pedagang selama berlangsungnya jual beli.
{"title":"BUDAYA KOSMOPOLITANISME DALAM PRAKTIK JUAL BELI DI PASAR TERAPUNG PADA KALIMANTAN SELATAN","authors":"Ariyadi Ariyadi","doi":"10.18592/AT-TARADHI.V9I2.2510","DOIUrl":"https://doi.org/10.18592/AT-TARADHI.V9I2.2510","url":null,"abstract":"Penelitian ini berangkat dari aktifitas yang sering dilakukan oleh masyarakat banjar yang selalu diidentikan dengan Islam. Secara sosiologis, keidentikan masyarakat banjar dengan islam merujukkan kepada identitas sosial yang merefleksikan suatu dasar ikatan sosial yang sama. Secara historis, Islam dijadikan sebagai sebuah poros sistem perdagangan oleh masyarakat banjar. Ini berarti bahwa perilaku orang banjar dapat dicarikan sumbernya pada referensi islam, serta bagaimana nilai kosmopolitanisme dalam praktik jual beli di pasar terapung pada Kalimantan Selatan . Penelitian ini bertujuan untuk mengetahui bagaimana cara transaksi jual beli dipasar terapung di Kalimantan Selatan, bagaimana akad transaksi jual beli di pasar terapung di Kalimantan Selatan serta bagaimana nilai kosmopolitanisme dalam praktik jual beli di pasar terapung pada Kalimantan Selatan. Dengan demikian, setidaknya yang selama ini menjadi titik masalah dapat terungkap dan dapat menjadi informasi ilmiah yang mencerahkan. Penelitian ini merupakan penelitian lapangan ( field research) , penelitian ini bersifat deskriptif, dimana data-data yang dikumpulkan dianalisis secara kualitatif. Untuk memperoleh data yang diperlukan. Penulis melakuan observasi, dokumentasi dan wawancara secara langsung kepada sebagian pedagang Pasar Terapung di Kalimantan Selatan. Melalui teknik analisis kualitatif dari penelitian ini menghasilkan temuan-temuan: Pertama , cara transaksi jual beli dipasar perapung di Kalimantan Selatan (1) Barter ,(Barang dengan barang yang setara) (2) Transaksi jual beli barang dengan alat tukar (uang). Kedua, akad yang digunakan di Pasar Terapung Kalimantan Selatan tidak bertentangan prinsip-prinsip syariat Islam. Ketiga, Adapun nilai-nilai kosmopolitanisme diantaranya: Menguatkan toleransi dan persaudaraan, tidak terdapat penipuan diantara pedagang dengan pembeli atau pedangan dengan pedagang. Suka sama suka antara pembeli dengan pedagang atau pedagang dengan pedagang selama berlangsungnya jual beli.","PeriodicalId":53102,"journal":{"name":"AtTaradhi Jurnal Studi Ekonomi","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2019-02-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"43847292","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2019-02-13DOI: 10.18592/at-taradhi.v9i2.2516
M. Yusuf
Dewan Syariah Nasional-Majelis Ulama Indonesia mengeluarkan fatwa No:107/DSN-MUI/X/2016 tentang Pedoman Penyelenggaraan Rumah Sakit Berdasarkan Prinsip Syariah sebagai acuan untuk Rumah Sakit syariah. Sebelum dikeluarkanya fatwa tersebut, sudah banyak Rumah Sakit yang menerapkan nilai-nilai syariah, utamanya dalam aspek pelayanan, salah satunya adalah Rumah Sakit Islam Banjarmasin. Oleh karena itu, penelitian ini bermaksud untuk mengetahui sejauh manakah penyelenggaraan pelayanan islami pada Rumah Sakit Islam Banjarmasin dan apakah aspek pelayanan tersebut sudah sesuai dengan fatwa DSN-MUI tersebut.
{"title":"PENYELENGGARAN RUMAH SAKIT BERDASARKAN PRINSIP SYARIAH: STUDI PADA RUMAH SAKIT ISLAM BANJARMASIN","authors":"M. Yusuf","doi":"10.18592/at-taradhi.v9i2.2516","DOIUrl":"https://doi.org/10.18592/at-taradhi.v9i2.2516","url":null,"abstract":"Dewan Syariah Nasional-Majelis Ulama Indonesia mengeluarkan fatwa No:107/DSN-MUI/X/2016 tentang Pedoman Penyelenggaraan Rumah Sakit Berdasarkan Prinsip Syariah sebagai acuan untuk Rumah Sakit syariah. Sebelum dikeluarkanya fatwa tersebut, sudah banyak Rumah Sakit yang menerapkan nilai-nilai syariah, utamanya dalam aspek pelayanan, salah satunya adalah Rumah Sakit Islam Banjarmasin. Oleh karena itu, penelitian ini bermaksud untuk mengetahui sejauh manakah penyelenggaraan pelayanan islami pada Rumah Sakit Islam Banjarmasin dan apakah aspek pelayanan tersebut sudah sesuai dengan fatwa DSN-MUI tersebut. ","PeriodicalId":53102,"journal":{"name":"AtTaradhi Jurnal Studi Ekonomi","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2019-02-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"44790901","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2018-08-01DOI: 10.18592/AT-TARADHI.V9I1.2093
Naimah Naimah
Wakaf produktif adalah harta benda atau pokok tetap yang diwakafkan untuk dipergunakan dalam kegiatan produksi dan hasilnya di salurkan sesuai dengan tujuan wakaf. Seperti wakaf tanah untuk digunakan bercocok tanam, mata air untuk diambil airnya dan lain- lain. Dasar penetapan terhadap status hukum wakaf produktif.dalam Undang-undang Nomor 41 Tahun 2004 adalah ijtihad. Bab V Undang-Undang 41 Tahun 2004 merupakan pengembangan dari Undang-undang wakaf sebelumnya yang mengatur tentang pengelolaan harta wakaf, dimana kewajiban nazir diatur secara gamblang sesuai dengan prinsip syari’ah dan pada pasal 43 ayat 2 dijelaskan bahwa pengelolaan dan pengembangan harta benda wakaf dilakukan secara produktif. Undang-undang Nomor 41 Tahun 2004 Tentang Wakaf ini juga menjadi momentum pemberdayaan wakaf secara produktif sebab di dalamnya terkandung pemahaman yang komprehensif dan pola manajemen pemberdayaan potensi wakaf secara modern. Lahirnya Undang-Undang Republik Indonesia No. 41 tahun 2004 tentang Wakaf diarahkan untuk memberdayakan wakaf yang merupakan salah satu instrumen dalam membangun kehidupan sosial ekonomi umat Islam. Wakaf produktif pada dasarnya merupakan implementasi tujuan wakaf yaitu kemaslahatan/ kesejahteraan masyarakat melalui model-model usaha ekonomi yang produktif, sehingga manfaat dari harta wakaf dapat berdaya guna secara optimal dan berkesinambungan. Untuk merealisasikan wakaf produktif maka paling tidak harus mempertimbangkan empat azas, yaitu asas keabadian manfaat, asas pertanggung-jawaban, asas profesionalitas managemen, dan asas keadilan sosial.
{"title":"IMPLEMETASI YURIDIS TERHADAP KEDUDUKAN WAKAF PRODUKTIF BERBASIS PENINGKATAN EKONOMI MASYARAKAT DI INDONESIA","authors":"Naimah Naimah","doi":"10.18592/AT-TARADHI.V9I1.2093","DOIUrl":"https://doi.org/10.18592/AT-TARADHI.V9I1.2093","url":null,"abstract":"Wakaf produktif adalah harta benda atau pokok tetap yang diwakafkan untuk dipergunakan dalam kegiatan produksi dan hasilnya di salurkan sesuai dengan tujuan wakaf. Seperti wakaf tanah untuk digunakan bercocok tanam, mata air untuk diambil airnya dan lain- lain. Dasar penetapan terhadap status hukum wakaf produktif.dalam Undang-undang Nomor 41 Tahun 2004 adalah ijtihad. Bab V Undang-Undang 41 Tahun 2004 merupakan pengembangan dari Undang-undang wakaf sebelumnya yang mengatur tentang pengelolaan harta wakaf, dimana kewajiban nazir diatur secara gamblang sesuai dengan prinsip syari’ah dan pada pasal 43 ayat 2 dijelaskan bahwa pengelolaan dan pengembangan harta benda wakaf dilakukan secara produktif. Undang-undang Nomor 41 Tahun 2004 Tentang Wakaf ini juga menjadi momentum pemberdayaan wakaf secara produktif sebab di dalamnya terkandung pemahaman yang komprehensif dan pola manajemen pemberdayaan potensi wakaf secara modern. Lahirnya Undang-Undang Republik Indonesia No. 41 tahun 2004 tentang Wakaf diarahkan untuk memberdayakan wakaf yang merupakan salah satu instrumen dalam membangun kehidupan sosial ekonomi umat Islam. Wakaf produktif pada dasarnya merupakan implementasi tujuan wakaf yaitu kemaslahatan/ kesejahteraan masyarakat melalui model-model usaha ekonomi yang produktif, sehingga manfaat dari harta wakaf dapat berdaya guna secara optimal dan berkesinambungan. Untuk merealisasikan wakaf produktif maka paling tidak harus mempertimbangkan empat azas, yaitu asas keabadian manfaat, asas pertanggung-jawaban, asas profesionalitas managemen, dan asas keadilan sosial.","PeriodicalId":53102,"journal":{"name":"AtTaradhi Jurnal Studi Ekonomi","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2018-08-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45554236","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2018-08-01DOI: 10.18592/AT-TARADHI.V9I1.2090
Siti Mutmainah Zulfaridatul Yaqin, Ahmad Yunani, M. A. Nur
This study aims to determine the disparity of economic development between districts / cities and the influence of budgetary variables, infrastructure and economic growth on the inequality of economic development in South Kalimantan Province in 2011 - 2015. The research method used is descriptive quantitative with the analysis tools using the technique of Regional Economic analysis (Williamson Index) and simple regression analysis model. The result of the research shows that the disparity between districts / cities in South Kalimantan Province using Williamson Index within the period of 2011 - 2015 indicates a decreasing disparity that has an average of 0.513 with mining and quarrying sector and 0.310 without mining and quarrying sector. The result of F test shows that the budget expenditure, infrastructure and economic growth simultaneously have significant effect on regional disparity variables and the result of t test shows the budget expenditure and economic growth significantly influence the regional disparity in South Kalimantan Province at the alpha significance level of 0.1 or the level of trust 90 %.
{"title":"PENGARUH ANGGARAN BELANJA, INFRASTRUKTUR DAN PERTUMBUHAN EKONOMI TERHADAP KETIMPANGAN PEMBANGUNAN PROVINSI KALIMANTAN SELATAN","authors":"Siti Mutmainah Zulfaridatul Yaqin, Ahmad Yunani, M. A. Nur","doi":"10.18592/AT-TARADHI.V9I1.2090","DOIUrl":"https://doi.org/10.18592/AT-TARADHI.V9I1.2090","url":null,"abstract":"This study aims to determine the disparity of economic development between districts / cities and the influence of budgetary variables, infrastructure and economic growth on the inequality of economic development in South Kalimantan Province in 2011 - 2015. The research method used is descriptive quantitative with the analysis tools using the technique of Regional Economic analysis (Williamson Index) and simple regression analysis model. The result of the research shows that the disparity between districts / cities in South Kalimantan Province using Williamson Index within the period of 2011 - 2015 indicates a decreasing disparity that has an average of 0.513 with mining and quarrying sector and 0.310 without mining and quarrying sector. The result of F test shows that the budget expenditure, infrastructure and economic growth simultaneously have significant effect on regional disparity variables and the result of t test shows the budget expenditure and economic growth significantly influence the regional disparity in South Kalimantan Province at the alpha significance level of 0.1 or the level of trust 90 %.","PeriodicalId":53102,"journal":{"name":"AtTaradhi Jurnal Studi Ekonomi","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2018-08-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45725710","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2018-08-01DOI: 10.18592/at-taradhi.v9i1.2120
Elida Mahriani
Employee Performance can be measured by their compliance with company policy, the ability to complete the jobs, the timing of completing the work, the quality of results. On the other hand, a too tight work can affect the psychological state of the employees, which may also then affect their performance. The study is conducted in BPR Mitrathama Arthabuana of Kabupaten Banjar, to answer the formulation below: (1) Do stress and work discipline partially affect on job satisfaction of employees?; (2) Do stress and work discipline partially affect on Employee Performance?, and (3) Does Satisfaction affect the performance of employees? This study uses Quantitative Methods, the data is taken via questionnaires, and then analyzed using Partial Least Square (PLS) model with t-test via smartPLS software version 2.0.M3. The result of the research: (1) The t-statistic value of the path of the influence of Stress on Satisfaction is 9,464 and to Satisfaction and Performance is 2,617 bigger than t-table of the normal distribution (1,96), meaning significant, hypothesis 1 accepted. (2) The t-statistic value of Discipline effect on Satisfaction is 3,190 and to Satisfaction and Performance is 2,617 bigger than t-normal distribution table (1,96), meaning significant, hypothesis 2 accepted. (3) The t-statistic value of the influence of Satisfaction on Performance is 2,617 is greater than the normal t-distribution table (1,96), meaning significant, hypothesis 3 is accepted.
{"title":"PENGARUH STRES DAN DISIPLIN KERJA KARYAWAN TERHADAP KEPUASAN DAN KINERJA KARYAWAN PT. BANK PERKREDITAN RAKYAT (BPR) MITRATHAMA ARTHABUANA DI KABUPATEN BANJAR","authors":"Elida Mahriani","doi":"10.18592/at-taradhi.v9i1.2120","DOIUrl":"https://doi.org/10.18592/at-taradhi.v9i1.2120","url":null,"abstract":"Employee Performance can be measured by their compliance with company policy, the ability to complete the jobs, the timing of completing the work, the quality of results. On the other hand, a too tight work can affect the psychological state of the employees, which may also then affect their performance. The study is conducted in BPR Mitrathama Arthabuana of Kabupaten Banjar, to answer the formulation below: (1) Do stress and work discipline partially affect on job satisfaction of employees?; (2) Do stress and work discipline partially affect on Employee Performance?, and (3) Does Satisfaction affect the performance of employees? This study uses Quantitative Methods, the data is taken via questionnaires, and then analyzed using Partial Least Square (PLS) model with t-test via smartPLS software version 2.0.M3. The result of the research: (1) The t-statistic value of the path of the influence of Stress on Satisfaction is 9,464 and to Satisfaction and Performance is 2,617 bigger than t-table of the normal distribution (1,96), meaning significant, hypothesis 1 accepted. (2) The t-statistic value of Discipline effect on Satisfaction is 3,190 and to Satisfaction and Performance is 2,617 bigger than t-normal distribution table (1,96), meaning significant, hypothesis 2 accepted. (3) The t-statistic value of the influence of Satisfaction on Performance is 2,617 is greater than the normal t-distribution table (1,96), meaning significant, hypothesis 3 is accepted.","PeriodicalId":53102,"journal":{"name":"AtTaradhi Jurnal Studi Ekonomi","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2018-08-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46374166","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2018-08-01DOI: 10.18592/AT-TARADHI.V9I1.2088
Lisda Aisyah
Waqaf besides has spiritual values also has social economic values. Indonesia has the potential endowments are very boast. If the potential of waqf is well developed, then it will give good effect to the economy of the society and welfare. Endowments can be effective and have the maximum benefits if developed, one of which is through a change in the understanding of the concept of endowments consumptive become productive. The development of this potensial will make change in society’s views and goal in terms of the development of Muslims.
{"title":"PENGEMBANGAN POTENSI WAKAF DI MASJID AT TAQWA BINUANG KAB TAPIN","authors":"Lisda Aisyah","doi":"10.18592/AT-TARADHI.V9I1.2088","DOIUrl":"https://doi.org/10.18592/AT-TARADHI.V9I1.2088","url":null,"abstract":"Waqaf besides has spiritual values also has social economic values. Indonesia has the potential endowments are very boast. If the potential of waqf is well developed, then it will give good effect to the economy of the society and welfare. Endowments can be effective and have the maximum benefits if developed, one of which is through a change in the understanding of the concept of endowments consumptive become productive. The development of this potensial will make change in society’s views and goal in terms of the development of Muslims.","PeriodicalId":53102,"journal":{"name":"AtTaradhi Jurnal Studi Ekonomi","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2018-08-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45374295","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2018-08-01DOI: 10.18592/at-taradhi.v9i1.2119
Gusti Marliani
Informal sector become an part of important in replying labor force and employment, one of them development of Small And Medium Industry . Role of small and medium industry in economics of Indonesia have been confessed by wide of society this state moment challenge endless economic crisis. On the other side entrepreneur of printing office have constraint in development of effort him that is problem of capital fee , labour productivity and expenditure of non fee. This research aim to to know fee variable konstribusi, productivity, capital and non fee to absorbtion of labour at effort printing office in Town of Banjarbaru Population in this research is peripatetic Middle Small Industry at Printing office with small scale , with amount of population at the same time sampel counted 36 printing office exist in Town of Banjarbaru.Variable which is used in this research consist of dependent variable which symbol of with ( Y),Labour Employment and free variable. variable independent which symbol with ( X) , that is Effort Printing office with its indicator cover: Fee Labour ( X1), Production Cost ( X2), Work Produktivity (X3), Working Capital ( X4) by using model analyse doubled linear regresi. Result of research indicate that the Effort Printing office ( positive X) Influence and signifikan to Absorbtion Of Labour In Town of Banjarbaru ( Y). Coefficient Determinant ( Adjusted R square) equal to 0,862 meaning that independent variable : variable is Effort Printing office ( X) have contribution equal to 86.2% to variable of dependen : variable Absorbtion of Labour ( Y), while the rest is 13,8% given by other variables which do not the included in this. Informal sector become an part of important in replying labor force and employment, one of them development of Small And Medium Industry . Role of small and medium industry in economics of Indonesia have been confessed by wide of society this state moment challenge endless economic crisis. On the other side entrepreneur of printing office have constraint in development of effort him that is problem of capital fee , labour productivity and expenditure of non fee. This research aim to to know fee variable konstribusi, productivity, capital and non fee to absorbtion of labour at effort printing office in Town of Banjarbaru Population in this research is peripatetic Middle Small Industry at Printing office with small scale , with amount of population at the same time sampel counted 36 printing office exist in Town of Banjarbaru.Variable which is used in this research consist of dependent variable which symbol of with ( Y),Labour Employment and free variable. variable independent which symbol with ( X) , that is Effort Printing office with its indicator cover: Fee Labour ( X1), Production Cost ( X2), Work Produktivity (X3), Working Capital ( X4) by using model analyse doubled linear regresi. Result of research indicate that the Effort Printing office ( positive X) Influence and signifikan to A
{"title":"ANALISIS PENYERAPAN TENAGA KERJA PADA USAHA KECIL MENENGAH (UKM) DI KOTA BANJARBARU (STUDI USAHA PERCETAKAN)","authors":"Gusti Marliani","doi":"10.18592/at-taradhi.v9i1.2119","DOIUrl":"https://doi.org/10.18592/at-taradhi.v9i1.2119","url":null,"abstract":"Informal sector become an part of important in replying labor force and employment, one of them development of Small And Medium Industry . Role of small and medium industry in economics of Indonesia have been confessed by wide of society this state moment challenge endless economic crisis. On the other side entrepreneur of printing office have constraint in development of effort him that is problem of capital fee , labour productivity and expenditure of non fee. This research aim to to know fee variable konstribusi, productivity, capital and non fee to absorbtion of labour at effort printing office in Town of Banjarbaru Population in this research is peripatetic Middle Small Industry at Printing office with small scale , with amount of population at the same time sampel counted 36 printing office exist in Town of Banjarbaru.Variable which is used in this research consist of dependent variable which symbol of with ( Y),Labour Employment and free variable. variable independent which symbol with ( X) , that is Effort Printing office with its indicator cover: Fee Labour ( X1), Production Cost ( X2), Work Produktivity (X3), Working Capital ( X4) by using model analyse doubled linear regresi. Result of research indicate that the Effort Printing office ( positive X) Influence and signifikan to Absorbtion Of Labour In Town of Banjarbaru ( Y). Coefficient Determinant ( Adjusted R square) equal to 0,862 meaning that independent variable : variable is Effort Printing office ( X) have contribution equal to 86.2% to variable of dependen : variable Absorbtion of Labour ( Y), while the rest is 13,8% given by other variables which do not the included in this. Informal sector become an part of important in replying labor force and employment, one of them development of Small And Medium Industry . Role of small and medium industry in economics of Indonesia have been confessed by wide of society this state moment challenge endless economic crisis. On the other side entrepreneur of printing office have constraint in development of effort him that is problem of capital fee , labour productivity and expenditure of non fee. This research aim to to know fee variable konstribusi, productivity, capital and non fee to absorbtion of labour at effort printing office in Town of Banjarbaru Population in this research is peripatetic Middle Small Industry at Printing office with small scale , with amount of population at the same time sampel counted 36 printing office exist in Town of Banjarbaru.Variable which is used in this research consist of dependent variable which symbol of with ( Y),Labour Employment and free variable. variable independent which symbol with ( X) , that is Effort Printing office with its indicator cover: Fee Labour ( X1), Production Cost ( X2), Work Produktivity (X3), Working Capital ( X4) by using model analyse doubled linear regresi. Result of research indicate that the Effort Printing office ( positive X) Influence and signifikan to A","PeriodicalId":53102,"journal":{"name":"AtTaradhi Jurnal Studi Ekonomi","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2018-08-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"42510096","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2018-08-01DOI: 10.18592/at-taradhi.v9i1.2085
Shofia Purnamasari
Seiring perkembangan perekonomian dan fenomena ketimpangan sosial ekonomi masyarakat, semakin banyak pula lembaga keuangan bank maupun non-bank yang berperan dalam memberikan jasa pinjaman sebagai produknya guna memenuhi kebutuhan konsumsi maupun produksi masyarakat. Salah satu lembaga pembiayaan non-bank yang terdapat di Indonesia adalah Pegadaian Syariah. Dengan mulai membaiknya iklim dan minat masyarakat dalam bidang pegadaian mengakibatkan tingkat persaingan di dunia pegadaian menjadi semakin ketat. Untuk itu diperlukan strategi pemasaran dalam bersaing. Strategi pemasaran merupakan salah satu senjata dan keharusan bagi perusahaan untuk menghadapi persaingan pasar. Pada dasarnya strategi pemasaran adalah mencari kecocokan antara kemampuan internal perusahaan dengan peluang eksternal yang ada di pasar. Mencari kecocokan ini merupakan tanggung jawab dari bagian pemasaran untuk menerapkan strategi pemasaran yang sesuai dengan produk yang dihasilkan dan sesuai dengan dengan segmen pasar yang ingin dituju oleh produk yang diluncurkan. Mengenali karakteristik pasar dan struktur pasar sangatlah menguntungkan bagi perusahaan untuk dapat tetap bersaing dan survive (kelangsungan hidup perusahaan). Kelemahan dan keunggulan perusahaan hendaknya dianalisis sehingga menjadi sebuah titik tolak yang kuat untuk perusahaan dalam mengambil keputusan yang efektif dan efisien serta untuk memperkuat posisinya dari para competitor yang ada. Penelitian ini merupakan field research yang dilaksanakan di Pegadaian Syariah Unit Layanan Sultan Adam Banjarmasin Utara dan jenis penelitiannya adalah penelitian kualitatif. Penelitian ini menjawab dari rumusan masalah sebagai berikut: 1) Strategi pemasaran apa saja yang diterapkan oleh Pegadaian Unit Layanan Syariah Sultan Adam Banjarmasin dalam meningkatkan penjualan jasa produk sehingga mampu bersaing di pasar dan 2) Bagaimana strategi pemasaran yang diterapkan oleh Pegadaian Unit Layanan Syariah Sultan Adam Banjarmasin dalam penjualan jasa produknya. Adapun kesimpulan dari penelitian ini sebagai berikut: strategi pemasaran yang diterapkan oleh Pegadaian Unit Layanan Syariah Sultan Adam Banjarmasin yaitu 4P ( Product, Price, Place, and Promotion ) dan STP ( Segmentation , Targeting , Positioning ); serta aplikasi strategi pemasarannya dengan tiga faktor penting sebagai dasar dalam konsep pemasaran dan sekaligus menjadi sandaran strategi pemasaran pada mix marketingnya yaitu: orientasi konsumen, koordinasi dan integrasi dalam perusahaan dan mendapatkan laba melalui pemuasan konsumen.
{"title":"STRATEGI PEMASARAN PEGADAIAN SYARIAH DALAM MENINGKATKAN PENJUALAN JASA PRODUK (Studi Kasus Pada Pegadaian Unit Layanan Syariah Sultan Adam Banjarmasin)","authors":"Shofia Purnamasari","doi":"10.18592/at-taradhi.v9i1.2085","DOIUrl":"https://doi.org/10.18592/at-taradhi.v9i1.2085","url":null,"abstract":"Seiring perkembangan perekonomian dan fenomena ketimpangan sosial ekonomi masyarakat, semakin banyak pula lembaga keuangan bank maupun non-bank yang berperan dalam memberikan jasa pinjaman sebagai produknya guna memenuhi kebutuhan konsumsi maupun produksi masyarakat. Salah satu lembaga pembiayaan non-bank yang terdapat di Indonesia adalah Pegadaian Syariah. Dengan mulai membaiknya iklim dan minat masyarakat dalam bidang pegadaian mengakibatkan tingkat persaingan di dunia pegadaian menjadi semakin ketat. Untuk itu diperlukan strategi pemasaran dalam bersaing. Strategi pemasaran merupakan salah satu senjata dan keharusan bagi perusahaan untuk menghadapi persaingan pasar. Pada dasarnya strategi pemasaran adalah mencari kecocokan antara kemampuan internal perusahaan dengan peluang eksternal yang ada di pasar. Mencari kecocokan ini merupakan tanggung jawab dari bagian pemasaran untuk menerapkan strategi pemasaran yang sesuai dengan produk yang dihasilkan dan sesuai dengan dengan segmen pasar yang ingin dituju oleh produk yang diluncurkan. Mengenali karakteristik pasar dan struktur pasar sangatlah menguntungkan bagi perusahaan untuk dapat tetap bersaing dan survive (kelangsungan hidup perusahaan). Kelemahan dan keunggulan perusahaan hendaknya dianalisis sehingga menjadi sebuah titik tolak yang kuat untuk perusahaan dalam mengambil keputusan yang efektif dan efisien serta untuk memperkuat posisinya dari para competitor yang ada. Penelitian ini merupakan field research yang dilaksanakan di Pegadaian Syariah Unit Layanan Sultan Adam Banjarmasin Utara dan jenis penelitiannya adalah penelitian kualitatif. Penelitian ini menjawab dari rumusan masalah sebagai berikut: 1) Strategi pemasaran apa saja yang diterapkan oleh Pegadaian Unit Layanan Syariah Sultan Adam Banjarmasin dalam meningkatkan penjualan jasa produk sehingga mampu bersaing di pasar dan 2) Bagaimana strategi pemasaran yang diterapkan oleh Pegadaian Unit Layanan Syariah Sultan Adam Banjarmasin dalam penjualan jasa produknya. Adapun kesimpulan dari penelitian ini sebagai berikut: strategi pemasaran yang diterapkan oleh Pegadaian Unit Layanan Syariah Sultan Adam Banjarmasin yaitu 4P ( Product, Price, Place, and Promotion ) dan STP ( Segmentation , Targeting , Positioning ); serta aplikasi strategi pemasarannya dengan tiga faktor penting sebagai dasar dalam konsep pemasaran dan sekaligus menjadi sandaran strategi pemasaran pada mix marketingnya yaitu: orientasi konsumen, koordinasi dan integrasi dalam perusahaan dan mendapatkan laba melalui pemuasan konsumen.","PeriodicalId":53102,"journal":{"name":"AtTaradhi Jurnal Studi Ekonomi","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2018-08-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"44709666","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2018-08-01DOI: 10.18592/AT-TARADHI.V9I1.2086
M. Hidayat, Parman Komarudin
Each financing has risks faced by banks and customers, including on musyarakah contracts. This can result in losses if not resolved, the bank must cover it first from the existing reserve fund in each bank in case of such problematic financing happen. On the other hand, the DSN has not specifically regulated the guidelines on handling non-performing financing on musyarakah contracts. While the questions about it continue to emerge. Therefore, it is needed to be clarified about how the practice undertaken by the bank in case of problematic financing, because it is very influential on the health of a bank. This research is field type and uses qualitative descriptive approach. The primary data in this study is about the Bank Kalsel Syariah, either through the official website, observation, or interviews with the bank. For the secondary data, the authors collect from various literature, especially from legislation such as the Compilation of Islamic Economic Law and MUI Fatwa. In this research, it is found that the Bank Kalsel Syariah has managed the problem financing settlement in this musyarakah contract through several phases, those phases are the cash payment, revitalization of financing through contract restructuring, settlement through guarantee, and lastly through legal court.
{"title":"PENANGANAN NON-PERFORMING FINANCE DALAM AKAD MUSYARAKAH DI BANK KALSEL SYARIAH","authors":"M. Hidayat, Parman Komarudin","doi":"10.18592/AT-TARADHI.V9I1.2086","DOIUrl":"https://doi.org/10.18592/AT-TARADHI.V9I1.2086","url":null,"abstract":"Each financing has risks faced by banks and customers, including on musyarakah contracts. This can result in losses if not resolved, the bank must cover it first from the existing reserve fund in each bank in case of such problematic financing happen. On the other hand, the DSN has not specifically regulated the guidelines on handling non-performing financing on musyarakah contracts. While the questions about it continue to emerge. Therefore, it is needed to be clarified about how the practice undertaken by the bank in case of problematic financing, because it is very influential on the health of a bank. This research is field type and uses qualitative descriptive approach. The primary data in this study is about the Bank Kalsel Syariah, either through the official website, observation, or interviews with the bank. For the secondary data, the authors collect from various literature, especially from legislation such as the Compilation of Islamic Economic Law and MUI Fatwa. In this research, it is found that the Bank Kalsel Syariah has managed the problem financing settlement in this musyarakah contract through several phases, those phases are the cash payment, revitalization of financing through contract restructuring, settlement through guarantee, and lastly through legal court.","PeriodicalId":53102,"journal":{"name":"AtTaradhi Jurnal Studi Ekonomi","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2018-08-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45877183","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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