Analisis Produk Deposito Mudharabah dan Penerapannya pada PT BPRS Amanah Ummah

This paper attempts to analise the mudarabah fixed deposits product and its implementation in PT BPRS Amanah Ummah. This paper also tries to analise the nisbah examination on profit and loss sharing.The method used in this study is descriptive method. Fixed deposits account in PT BPRS Amanah Ummah has been known for its transaction using mudaraba contract. The contract, basically, involves two parties which have been working together as an investor (shahibul maal) and entrepreneur (mudharib) throughout the contract period. Bank has its own responsibility as the entrepreneur. The profit and loss are shared between them as stated in the contract and has been agreed by all involved parties.The proportion is indeed appeared as the result of bargaining process prior to the final agreement between them. If any loss occurred, the investor is the one who responsible on it. The entrepreneur is ‘only\u27 burdened on time and management loss. However, the situation may differ if the loss is caused by human error (the entrepreneur)

Pengaruh Umur Batang Bawah Terhadap Persentase Keberhasilan Okulasi Hijau Pada Tiga Klon Karet (Hevea Brasiliensis Muell Agr.)

Perbanyakan karet (Hevea Brasiliensis Muell. Agr.) dengan okulasi cokelat membutuhkan waktu yang lama dalam pembibitannya, sedangkan perbanyakan dengan okulasi hijau belum banyak dilakukan karena tingkat keberhasilan masih sangat rendah. Salah satu faktor yang diduga berpengaruh terhadap keberhasilan okulasi hijau adalah umur bibit batang bawah. Tujuan penelitian adalah mengetahui pengaruh perbedaan umur batang bawah terhadap persentase keberhasilan okulasi hijau pada tiga klon karet. Penelitian dilaksanakan di Kebun Percobaan (KP.) Pakuwon, Balai Penelitian Tanaman Industri dan Penyegar pada bulan Januari-Desember 2013. Penelitian menggunakan rancangan petak terbagi, tiga ulangan dan ukuran petak 25 pohon. Petak utama adalah jenis klon batang bawah, terdiri dari 3 klon, yaitu K1 = AVROS 2037, K2 = PB 260, dan K3 = GT 1. Anak petak adalah umur batang bawah terdiri dari 4 taraf, yaitu U1 = 4 bulan, U2 = 5 bulan, U3 = 6 bulan, U4 = 7 bulan. Okulasi dilakukan dengan cara membuka kulit batang bawah, kemudian entres dimasukkan ke dalam jendela sayatan hasil pembukaan. Pengikatan sambungan dilakukan dengan menggunakan plastik khusus dengan cara dililitkan dari bawah ke atas. Pengamatan dilakukan terhadap persentase keberhasilan okulasi hijau pada umur tiga minggu setelah okulasi (MSO). Hasil penelitian menunjukkan bahwa keberhasilan okulasi hijau pada tanaman karet dipengaruhi oleh umur batang bawah. Untuk Klon PB 260 dan GT 1, makin tua umur batang bawah sampai maksimum 7 bulan di polybag maka semakin meningkat persentase keberhasilan okulasi, sedangkan pada klon AVROS 2037 belum memperlihatkan perbedaan yang nyata.Kata kunci: Hevea Brasiliensis, umur batang bawah, klon, keberhasilan okulasi hijauPropagation of rubber (Hevea Brasiliensis Muell. Agr.) using brown budding need a long time in the nursery, whereas the propagation usinggreen Budding has not yet been done due to the success rate is still very low. One of the factorthat might influence the successfulness of green budding is rootstock age.. The purpose of this study was to determine the effect of different age of rootstock on the percentage of green budding success in three rubber clones. The experiment was conducted at the Pakuwon experimental station (ES), Indonesian Industrial and Beverage Crops Research Institute, from January-December 2013. The research was done using split plot design with three replications, and the plot size is 25 trees. The main plot was the type of clones used for rootstock that comprised of 3 clones: K1 = AVROS 2037, K2 = PB 260, and K3 = GT 1. Meanwhile, the subplots were rootstock age consists of 4 levels, namely: U1 = 4 months, U2 = 5 months, U3 = 6 months, U4 = 7 months. Observations were made on the percentage of green budding success at 3 weeks old after grafting . The results showed that the success of the green budding on the rubber plants is influenced by the age of rootstock. The use of rootstock up to 7 months old in polybag in PB 260 dan GT 1 clones would increase the percentage of grafting success, whereas AVROS 2037 clone did not show any significant different

Alokasi Optimal Pemanfaatan dan Nilai Land Rent Sumberdaya Tambak di Kecamatan Tanah Merah Kabupaten Indragiri Hilir Provinsi Riau

The aims of this research are to analyse the optimal allocation rate of resources. utilization of pond culture, to estimate and to analyse land rent value of prawn pond culture and to estimate affect of change In exogeneous variable on the land rent value. Finding of the researcah shows that economic value of prawn pond culture of Tanjung Paslr village, Is estimated to be Rp163.864.380,95 and of Tanjung Baru village to be Rp192.484,85. Based on Ricardian land rent concept. tanjung Baru village has land rent value of Rp1.560.182,OO while Tanjung Paslr village has about Rp1.065.431,OO. Multiple regression model, applied for this research Indicates that1here Is a corelation between land rent value and produdivlty fadors and distance. the model has also shows that fador productivity has a positive correlation to the land rent value,.while distance has a negative correlation to the land rent value. It Is also indicated that Tanjung Baru village has reached almost an optimal condition. The finding of sentivity analysis shows that the increase of oil price and urea fertilize reduced the value of land rent and the magnitude of change in the value of land rent be affected by the fador of fertility rate and the distance of the pond location from the existing local spot market

Pengaruh Tingkat Religiusitas dan Kompensasi Finansial terhadap Etos Kerja Karyawan pada Salon Muslimah House Of Aisya Bogor

House of Aisya is a special beauty house for Muslim women who care about birth and inner beauty. The House of Aisya Muslimah Salon has a mission to open jobs and introduce Muslim-inspired ethics by dedicating beauty care to Muslim women through halal and natural products, shar'i services, modern technology, and employees with work ethics in accordance with the teachings of Islam to realize birth satisfaction and inner Muslim women. The objectives of this study were: (1) The extent to which religiosity affects the work ethic of employees at the House of Aisya Bogor (2) How financial compensation affects the work ethic of employees in the House of Aisya Bogor. This study uses quantitative methods. Data collection techniques using questionnaires, while data analysis techniques using multiple linear regression analysis with the help of SPSS 23. The analysis shows that the significance value is 0.003, because 0.003 <0.05, H0 is rejected. So it can be concluded that the level of religiosity and financial compensation together affect the work ethic of employees at the Salon Muslimah House of Aisya Bogor. While partially it shows that the religiosity variable does not affect the work ethic of the employees at the Salon Muslimah House of Aisya Bogor and for the financial compensation variable it significantly influences the work ethic of employees at the Salon Muslimah House of Aisya Bogor

Perilaku Petambak dalam Konservasi Hutan Mangrove di Desa Jayamukti, Kabupaten Subang, Provinsi Jawa Barat

Mangrove forests have various benefits both economically and ecological The excessive uses of mangrove for only fulfilling human needs without replanting will endanger the ecosystem. Deforestation of mangrove forests into aquaculture ponds relates to many factors, both internal and extemal aspects of the aqua culturists. Survey research method was conducted at Jayamukti Village. The research shows that majority of the respondents completed primary education. Even though the level education of aqua culturists is low, the knowledge about the benefits of mangrove is already known, specifically about conservation and fish nursery. From statistical analysis, it can be analyzed that knowledge about the benefits of mangroves positively correlates to respondents´ formal education and their experiences about mangrove. Mangroves conservation has a positive correlation with experience about mangroves and local group membership. In addition, response about mangrove rehabilitation rela:as with local aqua culturists membership, formal education and the experiences about mangrove. In order to achieve better aqua culturists behavior in managing mangrove, formal education system. group knowledge in mangrove conservation activity should be improved well

Oriental Fish is One of the Pottential Fisheries Commodity, Which is Contribute Devisas for the Country. Palmas Omatipinis is One of the New Introduction Arlifidal Fish in Indonesia. Thats Why We Should Know the Feasibility Analysis as a Plan to Develop in Oannaga Fish Culture. the Study Shows That Fanning of Palmas Omatipinis in the Beginning Level Process at Darmaga Fish Culture, Feasible to Be Develop in Tenn of Maril.et Aspect, Technique Aspect, Managerial Aspect and Finansial Aspect. the Result Given by Discount Rates 4 % I Periode for Scenario 1, Shows the NPV is Rp 39.448.333.58, Net BlC is 1,23, and IRR is 5,45 %. for Scenario 2, NPV is Rp 40.783.n5,19 , Net B/C is 1,24 and IRR is 5,54 %. the Sensitivity Analysis for Scenario 1 Shows That the Business is Not Feasible If the Price Decrease to 20,7 % and Hatcing Rate Decrease to 6,3 %. for Scenario 2 Business is Not Feasible If the Price Decrease to 21,3 % and Hatcing Rate Decrease to 6,4 %

Oriental Fish is one of the pottential fisheries commodity, which is contribute devisas for the country. Palmas Omatipinis is one of the new introduction arlifidal fish in Indonesia. Thats why we should know the feasibility analysis as a plan to develop in Oannaga Fish Culture. The study shows that fanning of Palmas Omatipinis in the beginning level process at Darmaga Fish Culture, feasible to be develop in tenn of maril.et aspect, technique aspect, managerial aspect and finansial aspect. The result given by discount rates 4 % I periode for scenario 1, shows the NPV is Rp 39.448.333.58, Net BlC is 1,23, and IRR is 5,45 %. For scenario 2, NPV is Rp 40.783.n5,19 , Net B/C is 1,24 and IRR is 5,54 %. The sensitivity analysis for scenario 1 shows that the business is not feasible if the price decrease to 20,7 % and hatcing rate decrease to 6,3 %. For scenario 2 business is not feasible if the price decrease to 21,3 % and hatcing rate decrease to 6,4

Komik sejarah

Komik sejarah yang ada ditangan pembaca ini, merupakan hasil dari kegiatan Lomba Membuat Komik Sejarah. Kegiatan ini diselenggarakan oleh Direktorat Jenderal Nilai Sejarah, Direktorat Jenderal Sejarah dan Purbakala, Departemen Kebudayaan dan Pariwisata pada tahun 2006. Sesuai Visi Direktorat Nilai Sejarah yaitu Meningkatkan Kesadaran Sejarah Masyarakat Indonesia untuk Memperkukuh jati diri dan Integrasi Bangsa, maka tujuan diselenggarakannya kegiatan ini adalah untuk menumbuh kembangkan apresiasi generasi Indonesia dalam pemahaman nilai-nilai sejarah serta menggairahkan minat komikus muda untuk membuat komik sejarah yang merupakan bacaan altematif