Makna Ayat-Ayat Teguran Terhadap Nabi Muhammad SAW (Studi Analisis Surat Ali Imran: 128, Al-Anfal: 67, Al-Taubah: 43, dan Al-Kahfi: 23-24

Nabi Muhammad Saw merupakan seorang yang memiliki budi pekerti dan akhlak yang agung. Pujian ini telah dinyatakan oleh Alquran dalam surah al-Qalam ayat ke 4. Disisi lain, Alquran juga menyajikan ayat-ayat lain yang berisikan teguran untuk sang Nabi. Terdapat 8 poin teguran Allah untuk Nabi Muhammad Saw dikarenakan kekeliruannya dalam mengambil keputusan. Hal ini tentunya menimbulkan pertanyaan, bukankah Nabi Saw seorang yang memiliki sifat maksum? Artikel ini akan mengkaji hubungan antara kemaksuman Nabi Saw dengan ayat-ayat teguran. Dalam artikel ini penulis menggunakan metode penelitian kualitatif-deskriptif. Pada akhirnya, penulis menyimpulkan bahwa ayat-ayat teguran untuk Nabi Muhammad Saw tidaklah menggugurkan kemaksuman yang dimilikinya. Alasannya, karena Nabi Saw memiliki kedudukan (maqam) spiritual yang tinggi. Sehingga tatkala melakukan tindakan yang kurang tepat, maka hal itu akan terlihat di mata orang awam sebagai sebuah kesalahan. Selain itu, ayat-ayat teguran merupakan pembelajaran baru bagi Nabi Muhammad Saw dan juga untuk ummat Islam

Kinerja Keuangan Bank Dan Stabilitas Makroekonomi Terhadap Profitabilitas Bank Syariah Di Indonesia

This paper investigated the determinants of the profitability of syaria banking in Indonesia for 2008-2010.The objects were Bank Muamalat, Bank Mega Syariah, Bank BNI Syariah, Bank BRI Syariah, and BankSyariah Mandiri. The profitability of syaria bank as dependent variable was measured by ratio of the net profitto total asset of the syaria bank. Meanwhile, the independent variabels were Capital Adequacy Ratio (CAR),Finance to deposit Ratio (FDR), Non Performing Finance (NPF), Inflation (INF) and Economic Growth (GR).The method used to analyze in this research was panel data. The result of analysis was that CAR variable hadnegative and significant effect to profitability of syaria banking in Indonesia for 2008-2010. Besides economicgrowth variable had positive and signficant effect to profitability of syaria banking in Indonesia for 2008-2010. The existence of economic growth effect to banking profitability showed that there was theory of growththat led to finance in Indonesian economy

Analisis Volatilitas Nilai Tukar Mata Uang Rupiah terhadap Dolar

This research aims to analyze the volatility of exchange rate (Rp/US$) on the Indone-sian economy. The Method of analyze uses Autoregressive Conditional Heteroscedasticiy(ARCH)/Generalized Autoregressive Conditional Heteroscedasticiy (GARCH) that wasdeveloped by Arize, (1995) and Zainal (2004). The result show that volatility ofexchange rate (Rp/US$) has extreme point at 1997/1998. At that time, economic crisiswas happen on the Indonesian economy, where the value of exchange rate volatilityRp/US$ have reached at point 0,250

Penyaluran Kredit Bank Ditinjau Dari Jumlah Dana Pihak Ketiga Dan Tingkat Non Performing Loans

This research aimed to analyze the effect of money deposit on the bank and non performing loans on creditallocation from Bank Rakyat Indonesia in 2000-2009. The method of analyze was dynamic regression modelby Error Correction Model (ECM) approach version Domowitz and Elbadawi. Our empirical results showedthat only non performing loan on the short term had a significant effect to credit allocation from Bank RakyatIndonesia on the short term and long term. The variable money deposit of the bank did not have a significanteffect on credit allocation from Bank Rakyat Indonesia both on short term and long term period

Interaction of Islamic Banking Sector with Indonesian Economic Growth for 2000-2010

This paper aims to analyze the dinamics interaction of islamic banking sector with Indonesian economic growth for 2000-2010. The methode of analyze used in this research is granger causality and Vector Error Correction Model (VECM). Besides that we use stationary test to chek wether the data have unit root or not. We use time series data of total islamic bank fnancing, fxed invesstment, trade and gross domestic product. We found that in the short run there is evidence of bidirectional relationship between fnancing of islamic bank, fxed investment, trade and economi growth. Where as in the long run there is relationship between islamic banking with economic growth on Indonesian economy. To improve the role of islamic banking on Indonesian economy, Bank Indonesia must push islamic banking to expand their activity on riil sector and rural area

Pengaruh Karakteristik Tujuan Anggaran Terhadap Kinerja Pejabat Pemerintah Daerah (Studi Di Kabupaten Klaten)

Penelitian ini bertujuan untuk mendapat bukti empiris tentang pengaruh karakteristik tujuan anggaran meliputi lima dimensi diantaranya yaitu, partisipasi penyusunan anggaran, kejelasan tujuan anggaran, evaluasi anggaran, umpan balik anggaran, dan kesulitan tujuan anggaran tehadap kinerja pejabat pemerintah daerah kabupaten Klaten. Teknik pengambilan sampel dalam penelitian ini menggunakan cara convenience sampling. Metode ini dipilih karena sampel diambil berdasarkan kriteria yaitu pejabat eselon III dan IV pemerintah daerah. Sampel yang diolah dalam penelitian ini sebanyak 48 sampel dan diolah menggunakan program SPSS untuk menguji hipotesis. Teknik pengumpulan data menggunakan kuesioner. Teknik analisis data dalam penelitian ini menggunakan analisis regresi linier berganda yang didukung dengan uji asumsi klasik, uji F, uji t, dan koefisien determinasi (R²). Penelitian ini menemukan bahwa karakteristik tujuan anggaran, meliputi tiga dimensi diantaranya (partisipasi anggaran, kejelasan tujuan anggaran, dan umpan balik anggaran) berpengaruh secara signifikan terhadap kinerja pejabat pemerintah daerah di kabupaten Klaten, sedangkan dimensi evaluasi anggaran dan kesulitan tujuan anggaran tidak berpengaruh terhadap kinerja pejabat pemerintah daerah di kabupaten Klaten. Hasil penelitian ini secara keseluruhan menunjukkan bahwa variabel karakteristik tujuan anggaran yaitu partisipasi, kejelasan tujuan, evaluasi, umpan balik, dan tingkat kesulitan anggaran berpengaruh positif terhadap variabel kinerja pejabat. Hal ini ditunjukkan dengan perolehan nilai F hitung sebesar 15,101 (p = 0,000) signifikan pada tingkat kepercayaan 0,05. Nilai adjusted R2 = 0,600 hal ini berarti sebesar 60% variabel kinerja dapat dijelaskan oleh variabel karakteristik tujuan anggaran meliputi dimensi partisipasi penyusunan anggara, kejelasan tujuan anggaran, evaluasi anggaran, umpan balik, dan tingkat kesulitan anggaran

ANALISIS PENYIMPANAN ARSIP AKTA CATATAN SIPIL UNTUK MENDUKUNG TERTIB ARSIP DI KANTOR DINAS KEPENDUDUKAN DAN PENCATATAN SIPIL KOTA SURABAYA

Abstrak Penelitian ini bertujuan untuk mengetahui dan menganalisis penyimpanan arsip untuk mendukung tertib arsip akta catatan sipil di Kantor Dinas Kependudukan dan Pencatatan Sipil (Dispendukcapil) Kota Surabaya. Jenis penelitian ini penelitian deskriptif dengan pendekatan kualitatif. Informan penelitian ini berjumlah tiga orang yaitu satu orang Kepala Bagian Kesekretariatan, satu orang staf Bagian Pencatatan Sipil dan satu orang staf Bagian Kesekretariatan. Adapun teknik analisis data yang digunakan adalah model Milles dan Huberman yang terdiri atas: reduksi data, penyajian data dan penarikan kesimpulan. Hasil penelitian ini menyimpulkan bahwa Kantor Dispendukcapil Kota Surabaya menggunakan sistem penyimpanan manual dengan sistem nomor. Sistem penyimpanan akta catatan sipil yang digunakan telah sesuai prosedur yang ada, ada Standart Operating Procedure (SOP); dalam proses penemuan kembali arsip akta catatan sipil digunakan aplikasi Sistem Informasi Administrasi Kependudukan (SIAK). Terbukti Aplikasi SIAK sangat membantu petugas dalam menemukan kembali arsip yang dibutuhkan dengan cepat. Alur penyimpanan sudah bagus sesuai dengan prosedur yang telah ada; Kantor Dispendukcapil Kota Surabaya dalam penyimpanan akta catatan sipil sudah mendukung tertib arsip, meskipun masih ditemui kendala antara lain kurangnya petugas dan jumlah lemari arsip untuk menyimpan akta catatan sipil. Kata Kunci: Penyimpanan Arsip, Akta Catatan Sipil, Tertib Arsip Abstract This study aims to find out and analyze archive storage to support orderly records of civil registration documents at the Office of Population and Civil Registration of Surabaya City. This type of research is descriptive research with a qualitative approach. The informants of this study were three people, one person was the Head of the Secretariat Section, one was the Civil Registration Section staff and one was the Secretariat Section staff. The data analysis techniques used are the Milles and Huberman models which consist of: data reduction, data presentation and conclusion drawing. The results of this study conclude the Office of Population and Civil Registration of Surabaya City uses a manual storage system with a number system. The civil registration certificate storage system used is in accordance with existing procedures, in its implementation there is Standard Operating Procedure (SOP); in the process of rediscovering the civil registration certificate, the application of the Population Administration Information System (SIAK) is used. Evidently the SIAK application is very helpful for officers in finding the required files quickly. The storage flow is good according to existing procedures; the Office of Population and Civil Registration of Surabaya City in the storage of civil registration certificates already supports orderly archives, although obstacles are still encountered, namely lack of officers and lack of file cabinets to store civil registration certificates. Keywords: Archival Storage, Certificates Civil Notes, Orderly Archive

Investigating the effect of total assets, financing, and third-party funds on Islamic Banking Revenue in Indonesia

This study investigates the influence of total assets, total financing, and third-party funds on the revenue of Islamic banking in Indonesia. Data used are secondary data during the period 2005-2018 sourced from the Financial Services Authority (OJK). The study analysis used a quantitative approach by applying the multiple regression model estimated by OLS. The findings of the study indicated that total assets and third-party funds has a positive and significant effect, while the financing has a negative and significant effect on Islamic banking revenue in Indonesia during the analysis perio

The Influence of Debit Card, Credit Card, and E-Money Transactions Toward Currency Demand in Indonesia

This study aims to determine the effect of debit card transactions, credit card transactions and e-money transactions to currency demand in Indonesia. This research using model estimation Vector Error Correction models (VECM). The data was collected using secondary data obtained from the website of Bank Indonesia and Bureau Central of Statistic in Indonesia. The data were obtained from January 2009 to August 2017 consisting of debit card transaction, credit card transaction, e-money transaction, and cash amount data in circulation data. The findings showed that debit card transactions have a significant negative effect on the demand for currency in Indonesia in the long term, credit card transactions have a significant positive effect on the demand for currency in Indonesia in the long term, while e-money transactions have a significant positive effect on currency demand in Indonesia in the short and long term.Keywords: E-money; Currency demand; Debit card; Credit cardJEL Codes: E41; E5

Penerapan Model UTAUT (The Unified Theory of Acceptance and Use of Technology) Terhadap Minat dan Perilaku Penggunaan Mobile Banking

BRI mobile banking is a form of banking service that provides a strategic role in facilitating customer transaction processes. The development of m-banking BRI service needs to be done by analyzing the factors that motivate of acceptance and use of mobile banking. This reseacrh aims to determine the behavioral intention and use behavior of m-banking BRI in Malang City by applying the UTAUT model. The research approach used by the researcher is quantitative. Then, data collection was obtained through a questionnaire instrument in google form which was distributed to 130 user of m-banking BRI. The sampling technique used purposive sampling method with data analysis by using of multiple linear regression test through Ordinary Least Square (OLS) technique. The results of the research on regression 1 prove that the constructs of the UTAUT model in the form of performance expectancy, effort expectancy and social influence have a positive and significant influence on their relationship with behavioral intention in using m-banking BRI. Meanwhile, the results of the research in regression 2 namely facilitating conditions and behavioral intention are also positive and significant in their influence on the use behavior of using m-banking BRI. Keywords: UTAUT, mobile banking, behavioral intention, use behavio