Analisis penerapan Fatwa DSN MUI No. 44/DSN-MUI/VIII/2004 terhadap pembiayaan Multijasa pada Produk Dana Pendidikan di Bank Syariah Mandiri (BSM) Kantor Cabang Kota Sukabumi

Pembiayaan multijasa terhadap produk dana pendidikan ialah merupakan pembiayaan yang diberikan kepada nasabah untuk memenuhi kebutuhannya dalam hal ini dana pendidikan yang mana nasabah mewakilkan atas nama bank untuk melakukan pembayaran kepada pihak ketiga dan pemberian upah atas jasa bank menggunakan prosentase sehingga menimbulkan ketidaksesuaian di dalam pelaksanaannya. Tujuan dari penelitian ini yaitu untuk mendeskripsikan (1) bagaimana mekanisme pembiayaan Multijasa pada produk dana pendidikan dan penetapan ujrah dalam pelaksanaannya di Bank Syariah Mandiri KC Kota sukabumi, dan (2) kesesuaian pembiayaan multijasa pada produk dana pendidikan terhadap ketentuan hukum yang berlaku di Bank Syariah Mandiri KC Kota Sukabumi. Kerangka pemikiran dalam penelitian ini berkaitan dengan segala aspek dalam pelaksanaan pembiayaan multijasa dan penetapan ujrah nya yang mengacu pada Fatwa DSN-MUI, undang-undang, dan peraturan Bank Indonesia dalam menjalankan kegiatannya yaitu pembiayaan ijarah multijasa. Penelitian ini menggunakan metode deskriptif kualitatif untuk mengetahui dan menjelaskan fenomena di Bank Syariah Mandiri KC Kota Sukabumi. Penelitian ini menggunakan sumber data primer berupa wawancara, serta sumber data sekunder berupa buku, artikel dan perundang-undangan. Teknik pengumpulan data melalui obesrvasi, wawancara dan studi pustaka yang berkaitan dengan objek yang diteliti, dan menganalisis dari sudut pandang Fatwa DSN-MUI dan perundang-undangan. Hasil dari penelitian ini, disimpulkan sebagai berikut: (1) pelaksanaan pembiaayan multijasa pada produk dana pendidikan ini menggunakan akad ijarah yang berarti semua ketentuannya mengikuti Fatwa DSN-MUI tentang pembiayaan ijarah yang mana jasa atas manfaat yang bank seharusnya berikan namun tidak dapat Bank penuhi dan kemudian mewakilkannya kepada nasabah, dan (2) penetapan ujrah yang dilaksanakan oleh Bank yang berbentuk prosentase dengan besaran 18% hingga 24% yang tergantung atas besaran plafond-nya, yang seharusnya menggunakan nominal dan dinyatakan di awal akad yang membuat pelaksanaan tersebut menjadi tidak sesuai dengan ketentuan Fatwa DSN MUI dan peraturan perundang-undangan, namun terdapat pembaharuan fatwa DSN MUI yang membolehkan penggunaan prosentase atas dasar kejelasan dan disepakati kedua belah pihak

Pengaruh senam terhadap skala insomnia pada lansia di Panti Jompo Karya Kasih Kota Medan

Pada lansia, kualitas tidur pada malam hari mengalami penurunan menjadi sekitar 70-80% sedikit efektif dari usia dewasa. Insomnia adalah ketidakmampuan untuk tidur walaupun ada keinginan untuk melakukannya. Lansia rentan terhadap insomnia karena adanya perubahan pola tidur. Keluhan insomnia mencakup ketidakmampuan untuk tertidur, sering terbangun, ketidakmampuan untuk kembali tidur, dan terbangun pada dini hari. Tujuan penelitian ini adalah untuk mengetahui pengaruh senam terhadap skala insomnia pada lansia di Panti Jompo Karya Kasih Kota Medan. Penelitian ini merupakan penelitian quasi eksperimental. pretest-posttest without control group. Hasil penelitian ini menunjukkan bahwa usia bahwa paling banyak responden berusia 61-70 tahun di Panti Jompo Karya Kasih Medan. Berdasarkan jenis kelamin paling banyak perempuan di Panti Jompo Karya Kasih Medan. Hasil uji analisis dijumpai  nilai p 0,001 yang artinya signifikan adanya perbedaan yang signifikan tingka insomnia Sebelum dan Sesudah dilakukan Senam Lansia di Panti Jompo Karya Kasih Medan.Pada lansia, kualitas tidur pada malam hari mengalami penurunan menjadi sekitar 70-80% sedikit efektif dari usia dewasa. Insomnia adalah ketidakmampuan untuk tidur walaupun ada keinginan untuk melakukannya. Lansia rentan terhadap insomnia karena adanya perubahan pola tidur. Keluhan insomnia mencakup ketidakmampuan untuk tertidur, sering terbangun, ketidakmampuan untuk kembali tidur, dan terbangun pada dini hari. Tujuan penelitian ini adalah untuk mengetahui pengaruh senam terhadap skala insomnia pada lansia di Panti Jompo Karya Kasih Kota Medan. Penelitian ini merupakan penelitian quasi eksperimental. pretest-posttest without control group. Hasil penelitian ini menunjukkan bahwa usia bahwa paling banyak responden berusia 61-70 tahun di Panti Jompo Karya Kasih Medan. Berdasarkan jenis kelamin paling banyak perempuan di Panti Jompo Karya Kasih Medan. Hasil uji analisis dijumpai  nilai p 0,001 yang artinya signifikan adanya perbedaan yang signifikan tingka insomnia sebelum dan sesudah dilakukan senam lansia di Panti Jompo Karya Kasih Medan

Etika Pelayanan Publik Di Kantor Kelurahan Tamaona Kecamatan Tombolo Pao Kabupaten Gowa

This study purposed to determine the ethics of public service at the Office of Tamaona Village, Buttono Pao District, Gowa Regency. This study used qualitative research, data sources used  primary and secondary, the number of informants was 6 people. Data collection used observation techniques, interviews and documentation, data analysis techniques using data reduction steps, data presentation, verification of data that were qualitative, as well as using the validation of triangulation data that was triangulation of sources, techniques, and time. The results showed that the ethics of public service applied at the Tamaona Office, Tombolo Pao Subdistrict, Gowa Regency, had been implemented well, if viewed from the aspect of 1) Equality of rights had run well, serving the community regardless of race, ethnicity, religion and politics 2) Justice, serving the community kindly, giving explanations during the service process, serving the community, all the people were treated equally. 3) Loyalty, especially honorarium employees were still loyal to the institution regardless of how much salary they had received and even worked for years. 4) Responsibility, not yet fully done well.Keywords: Public Service Ethics, Villag

Rencana Sarana Pengolahan Limbah B3 Covid-19 di Kota Ambon

Corona Virus or Covid-19 has taken over all the world, including Indonesia. This virus outbreak has become a pandemic because of its lightning-fast spread and greater number of death rate. Ambon as one of the cities in Eastern Indonesia is also affected by Corona Virus.The higher the positive cases in Ambon, the higher the hazardous and toxic waste production (B3). Now, the government of Maluku province is preparing B3 waste management facilities, so that this research aims to investigate the appropriate location for this waste management. This research was a qualitative descriptive by applying a SIG method, that was analysing the area function with the parameter of slope, soil type, and rainfall. The area function could be used to consider the development plans of an area. Then, the data of buildings was used as a basic to determine the ideal area with the service range of 500 meter in accordance with the standard distance of B3 waste management facilities from surrounding buildings. The research findings show four alternative areas of B3 waste management facilities in Ambon. These four areas are safe to be built hazardous and toxic waste (B3) management facilities since these are located far away from the settlements.

Ethyl 3-(3-oxo-3,4-dihydro­quinoxalin-2-yl)propano­ate

In the title compound, C13H14N2O3, the fused ring system is almost planar (r.m.s. deviation = 0.015 Å). The r.m.s. deviation for all the non-H atoms of the mol­ecule is 0.065Å. In the crystal, N—H⋯O and C—H⋯O hydrogen bonds generate polymeric chains along the b axis containing alternating centrsymmetric R 2 2(8) and R 2 2(20) loops

Colostrum and mature breast milk analysis of serum irisin and sterol regulatory element-binding proteins-1c in gestational diabetes mellitus

Background: We aimed to evaluate irisin and SREBP-1c levels in serum, colostrum and mature breast milk in women with and without gestational diabetes (GDM); and to relate them with maternal glucose, lipid profile and weight status of babies.Methods: GDM positive women (n = 33) and normal glucose tolerant women (NGT) (n = 33) were recruited. Maternal blood samples were collected at 28th week of gestation and later at 6-week post-partum while breast milk samples of the lactating mothers were collected within 72 hours of birth (colostrum) and at 6 weeks post-partum (mature milk). Irisin and SREBP-1c levels were analyzed by commercially available ELISA kits for all maternal samples.Results: Lower levels of irisin were seen in serum, colostrum and mature breast milk of GDM females (p \u3c .01). SREBP-1c profile showed a similar trend of low serum levels in GDM, however, they were undetectable in colostrum and mature breast milk. Weak to moderate correlations of serum irisin with BMI (r = 0.439; p \u3c .001), GTT 0 hours (r = 0.403; p = .01), HbA1c (r = -0.312; p = .011), Fasting blood glucose (r = 0.992; p = .008), and baby weight at birth (r = 0.486; p \u3c .001). Colostrum and mature breast milk irisin showed positive associations with baby weight at 6 weeks (r = 0.325; p = .017; r = 0.296; p = .022, respectively). Serum SREBP-1c at 6 weeks correlated with random blood glucose (r = 0.318; p = .009), and HbA1c (r= -0.292; p = .011). All correlations were lost once we adjusted for maternal BMI.Conclusions: Low irisin and SREBP1-c levels may favor development of GDM in pregnant subjects. Further, low mature breast milk levels may act as a continued stressor from fetal to infant life as long as breast-feeding is continued. Further studies are required to identify the mechanistic relationship between these biomarkers and GDM

1,4-Bis(pyrimidin-2-yl­sulfanyl)­butane

The –SCH2CH2CH2CH2S– portion of the title compound, C12H14N2S2, adopts an extended zigzag conformation. The angles at the tetra­hedral carbon atoms are marginally increased [113.63 (12)° and 111.38 (17)° for S—C—C and C—C—C respectively] from the idealized tetra­hedral angle. The mol­ecule lies on an inversion center located at the mid-point of the butyl chain. In the crystal, there is a π–π stacking inter­action between inversion-related pyrimidine rings with mean inter­planar spacing of 3.494 (2) Å

Parameter genetik kultivar-kultivar jagung local pada cekaman salinitas sedang

Produktivitas jagung di Sulawesi Tengah masih relatif rendah dibanding produksi nasional sehingga perlu ditingkatkan melalui pemuliaan tanaman. Penelitian bertujuan untuk mengkaji parameter genetik tanaman jagung pada cekaman salinitas sedang.  Penelitian dilaksanakan pada Juni sampai Agustus 2019, di Green House Fakultas Pertanian, Universitas Tadulako, Palu. Rancangan percobaan yang digunakan adalah Rancangan Acak Lengkap (RAL) terdiri atas 6 perlakuan genotip dan diulang 3 kali serta 5 unit tanaman per perlakuan sehingga terdapat 90 unit percobaan. Parameter genetik yang di analisis adalah koefisiean keragaman genotipik, koefisien keragaman fenotipik, heritabilitas, kemajuan genetik, korelasi, dan analisis sidik lintas. Hasil penelitian menunjukkan bahwa kehijauan daun, bobot tongkol berkelobot, berat tongkol tidak berkelobot, dan berat biji pertongkol memiliki koefisien keragaman genetik tinggi. Kehijauan daun, berat tongkol berkelobot, bobot tongkol tidak berkelobot, panjang tongkol tidak berkelobot, diamater tongkol, berat biji per tongkol dan bobot 100 biji memiliki nilai heritabilitas dan kemajuan genetik tinggi. Seleksi secara tidak langsung dapat dilakukan pada umur panen agar diperoleh hasil jagung lokal yang tinggi pada kondisi tercekam salinitas sedang. Karakter-karakter tersebut dapat dijadikan acuan dalam menyeleksi tanaman jagung dengan cekaman salinitas sedang untuk program pemuliaan jagung.AbstractThe productivity of maize in Central Sulawesi is relatively low compared to national production and needs to be improved by plant breeding. The study aimed to examine the genetic parameters of the maize plant traits at moderate salinity stress. The research was conducted from June to August 2019, at the Green House of the Faculty of Agriculture, Tadulako University, Palu. The genetic parameters analyzed were genetic coefficient of variation, phenotypic coefficient of variation, heritability, genetic advance, correlation, and path analysis. The experimental design used a completely randomized design consisting of six genotypic treatments and repeated three times. The results showed that the leaves greenness, the weight of the cob with and without husk, and weight of seeds per cob had a high genetic coefficient of variation. Leaf greenness, the weight of the ear with and without husk, ear length without husk, ear diameter, seed weight per ear and yield have a high value of heritability and genetic advance. Indirect selection can be applied through harvest time trait to obtain a high local maize yield in moderate salinity stress condition. These traits can be used as a reference in selecting maize plants with moderate salinity stress for maize breeding programs

Problems Encountered by Women in Education Sector of Bahawalpur

As we all know that education is crucial in the development of any country. The main focus of this research is to identify the problems faced by working women in education sector. We discovered that most of the parents and certain relatives are supportive towards their daughter serving in the education sector. All our respondents strongly believed that the married women face greater challenges than unmarried women. Although their husbands are co-operative but there children are prominently neglected. Despite the supportive attitude of their parents unmarried women still face challenges like transportation and managing time between personal and social life. Most of the respondents, married or unmarried, believed that their salary and promotion system is not satisfactory for which they blame “Favouritism”. In spite of all the facts, our research concludes that the education sector of Bahawalpur for female teacher is fairly good. Keywords: Women, Education Sector, Bahawalpur