Analisis Pelaksanaan Pembiayaan Multiguna Akad Murabahah PT Bank Sumut KCP Syariah Multatuli

Multipupose financing PT Bank Sumut KCPSy Multatuli is the provision of funds for various purposes that are consumptive/investmnet/working capital eith the principle of buying and selling (Murabahah) wichh is intended for employees of one agency that entered into an MOU with PT Bank Sumut UUS. The application of murabahah contracts in multifunctional finance is discussed in this article. This study uses a qualitative method with a descriptive approach, as well as transcripts of data from interviews and supporting materials related to the book in question. Based on the findings of this study, the process of implementing multipurpose financing for a murabaha contract includes the following steps: multipurpose financing application, MOU agreement, financing committee approval, customer account opening, contract signing, approval, and disbursement, all of which are completed individually and collectively. . This study was used by the Bank of North Sumatra KCP Syariah Multatuli

Analisis Hukum Islam Terhadap Praktek Jual Beli Buah Melon Dengan Sistem Tebas

The economic development at the present time have a lot of emerging practices and selling a wide variety of them is the practice of buying and selling melon with a slash that occurred in the village of Buluagung. The practice of buying and selling are farmers engaged in transactions with slasher when the melon is already visible and yellowed, but not worth the harvest with the provision of an advance as a sign. After the transaction, the indirect slasher the melon harvest, but wait until the melon is already a decent harvest. And that's when freshly picked melons slasher already bought once on payment. This type of research is descriptive qualitative research, the research aims to match the arguments of the sale and purchase practices of slash in the village Buluagung resulting in the law in question. This study aims to determine how the practice of buying and selling melon with a slash in the village Buluagung District of Siliragung Banyuwangi, and knowing how the analysis of Islamic law against the cult of selling melon with a slash in the village Buluagung subdistrict Siliragung district of Banyuwangi is in conformity with the law Muamalah in Islam. In this study data collection using interviews, documentation, and observation. In this study, researchers analyzed data obtained by means of an interactive model consisting of three components, namely the collection of data (data collection), the reduction of the data (data reduction), presentation of data (data display), the conclusion and the data ferifikasi (conclusion and verifying). The results of the research are buying and selling rice in the village buluagung slash is valid under Islamic law analysis, because in accordance with the pillars and the terms of buying and selling, namely: Āqidain, Ma'qūd 'alaih and sighat (Islamic marriage contract) and to avoid several possible facades, such as gharar, Riba, a transaction in two intents and utilization and maintenance of land by the buyer

Pengembangan Petunjuk Praktikum Kimia Berbasis Kontekstual pada Materi Elektrolit dan Non-Elektrolit

Penelitian ini dilatar belakangi oleh kebutuhan peserta didik kelas X MAN 2 Semarang dalam pemahaman materi dengan menggunakan metode praktikum berbasis kontekstual sehingga peserta didik dapat menghubungkan materi dengan kehidupan nyata peserta didik. Penelitian ini menggunakan metode penelitian dan pengembangan yang biasa dikenal dengan istilah Research and Development (RD). Model pengembangan yang direncanakan dalam penelitian ini menggunakan model pengembangan 4-D. Model pengembangan 4-D tahap-tahapnya yaitu Define, Design, Develop, dan Disseminate. Hasil penelitian di MAN 2 Kota Semarang (1) Pada aspek kognitif tingkat kelulusan klasikal peserta didik mencapai 93 % terhadap materi sehingga dapat dikatakan efektif. (2) Pada aspek afektif  diperoleh hasil sebanyak 94,36 % nilai afektif peserta didik untuk mengikuti pembelajaran dikatakan dengan tingkat pencapaian Sangat Tinggi. (3) Pada aspek psikomotorik hasil pencapaian diperoleh sebanyak 96,09 % dengan kriteria pencapaian Sangat Tinggi. (4) Pada uji kelayakan buku petunjuk praktikum melalui angket tanggapan peserta didik dengan tingkat pencapaiannya ialah 91,2 % berada pada kriteria efektif. Buku petunjuk praktikum kimia berbasis kontekstual materi elektrolit dan non-elektrolit yang dikembangkan ini terbukti efektif dan layak digunakan dalam proses pembelajaran

RASIO PANJANG BERAT CUMI-CUMI Loligo sp. JANTAN DAN BETINA ASAL TPI RAJAWALI MAKASSAR

Penelitian tentang Rasio panjang berat cumi-cumi Loligo sp. jantan dan betina asal TPI Rajawali Makassar di TPI Rajawali Makassar, Kelurahan Kunjung mae, Kecamatan Mariso, telah dilakukan pada bulan Desember 2012 ??? Januari 2013. Tujuan penelitian ini adalah mengetahui hubungan panjang dan berat dari cumi-cumi Loligo sp. yang umum dikonsumsi oleh masyarakat Makassar. Pengambilan sampel dilakukan 1 kali dalam 1 minggu selama 2 minggu. Hubungan antara panjang dan berat cumi-cumi Loligo sp. ditentukan melalui analisis regresi. Hasil penelitian menunjukkan ukuran cumi-cumi Loligo sp. jantan dan betina yang dijual di pasar TPI Rajawali Makassar, panjang berkisar 20,0 ??? 35,5 cm dan berat berkisar 25,5 ??? 115 gr. Hubungan morfometri dianalisis dengan menggunakan analisis regresi, yang menunjukkan korelasi antara panjang dan berat tubuh cumi-cumi Loligo sp. adalah korelasi kuat secara positif (0,80 ??? r ??? 1,00)

ANALISIS PENGARUH FAKTOR SITUASIONAL TERHADAP KEPUTUSAN MASYARAKAT MENABUNG DI BANK SYARIAH KOTA MEDAN

Saving is an activity to set aside some of the money they have to keep. People's decision to save occurs based on internal factors, external factors and situational factors. The research was aimed to analyze the customer’s saving decision at sharia bank based on situational factors. This study uses a quantitative approach with Multiple Linear Regression analysis using Eviews version 8 software. The results show that there is a relationship between bank services on saving decisions and bank physical objects on saving decisions if partially reviewed. Likewise, it is also examined simultaneously the influence of bank services and bank physical objects on saving decisions. Therefore, improving services and the availability of convenient physical object facilities by banks is highly recommended to increase the interest and motivation to save the public. This can be a step to accelerate marketing for Islamic banks in increasing the number of customers