Mudharabah financing in Islamic banking (case study of Islamic banks in Indonesia)

Mudharabah is one of the most widely quoted operating principles in Islamic banking. For Islamic financial institutions, mudharabah is a partnership agreement between at least two parties, that are a lender (sahib al-mal) and an agent manager (mudharib). This contract has great benefits and play an important role for human life. Mudharabah role in the development of Islamic economics is very important because it can improve the economic welfare of the people by empowering them. Mudharabah also connect the surplus unit who act as financier with the deficit unit who act as the manager. The surplus unit is the parties excess funds but do not have the expertise to develop such funds, while deficit unit is the parties who need funding but has expertise or access to business development

Respon konsumen muslim terhadap penggunaan produk P.T Unilever setelah mendukung LGBT

LGBT is not justified in any religion, so that consumers as users of products issued by PT Unilever which officially announces support for LGBT, especially Muslim consumers, feel disappointed with the company's support. Not a few consumers also want to boycott and don't even buy and use them anymore, because according to some opinions LGBT is prohibited in Islam, even Allah clearly explains it in the Qur'an. However, some product users say that it is impossible or impossible to stop using the product again, because the products issued by this company have been used by the public for a long time and there is no doubt about the quality, even the price and how to get it are not difficult

Micro Business Productive Infaq Management System at the National Amil Zakat Agency (BAZNAS) Deli Serdang Regency

Research with the title “Productive Infaq Management System for Micro-enterprises at BAZNAS Deli Serdang”, aims to find out how the management of productive infaq at BAZNAS Deli Serdang. This study uses a qualitative approach with a type of descriptive method which is a research method that utilizes qualitative data and is described descriptively. The data analysis technique used in this research is a qualitative analysis of the data obtained from the field, either in the form of observations, interviews, and documentation. The results of this study inform that productive infaq managed by BAZNAS Deli Serdang Regency uses a loan system and will be returned with mutually agreed terms

Peran DPRD terhadap Program Peningkatan Kualitas Kawasan Permukiman Kumuh Masyarat di Provinsi Sumatera Utara dalam Aspek Ekonomi Pembangunan

Salah Peran dari DPRD dalam perencanaan pembangunan daerah cukup besar serta dominan. Dimulai dari pembuatan Peraturan Daerah mengenai pola dasar pembangunan daerah. Kemudian program tahunan yang terdapat pada APBD (Anggaran Pendapatan Belanja Daerah) yang harus memperoleh persetujuan dari DPRD terlebih dahulu. Sebuah proyek tidak akan bisa masuk ke APBD jika DPRD merasa keberatan. Sebelum menyusun APBD, DPRD terlebih akan mengadakan kunjungan pada daerah-daerah guna menyerap aspirasi dari masyarakat untuk dijadikan bekal di dalam pembahasan bersama kepala daerah. Jenis penelitian yang dipakai dalam penelitian ini adalah penelitian deskriptif dengan pendekatan kualitatif. Penelitian ini berupaya untuk mendeskripsikan menganalisis dan menginterpretasikan permasalahan serta kemudian mengambil kesimpulan dari permasalahan tentang program pemerintah terhadap peningkatan kualitas permukiman di provinsi Sumatera Utara. Dengan situasi, kondisi, dan faktor faktor yang mempengaruhi kemudian disajikan dalam bentuk tulisan secara sistematis. Permukiman kumuh adalah produk pertumbuhan penduduk kemiskinan dan kurangnya pemerintah dalam mengendalikan pertumbuhan dan menyediakan pelayanan kota yang memadai. Masih banyaknya masyarakat berpenghasilan rendah yang belum memiliki rumah layak huni dan sarana utilitas umum juga menjadi masalah pembangunan di Sumatera Utara. Untuk itu, telah diusulkan program pengadaan rumah layak huni dan pembangunan sarana utilitas umum untuk masyarakat Sumatera Utara. &nbsp

Strategi Pembiayaan Mudharabah Sektor Usaha Mikro, Kecil, Dan Menengah (Umkm): Studi Kasus Perbankan Syariah Di Sumatera Utara

Mudharabah merupakan salah satu pembiayaan yang dilakukan bank dengan menggunakan prinsip bagi hasil. Pada hakikatnya, pembiayaan dengan prinsip bagi hasil merupakan produk inti (core product) dari perbankan syariah yang membedakannya dengan perbankan konvensional. Semua sektor ekonomi dapat menjadi sasaran pembiayaan tersebut, termasuk Usaha Mikro, Kecil, dan Menengah (UMKM) yang merupakan salah satu penopang perekonomian Indonesia, khususnya melalui penyediaan lapangan kerja dan mengurangi tingkat kemiskinan. Namun pada kenyataannya, pembiayaan dengan akad mudharabah sangat sedikit diaplikasikan. Penyaluran pembiayaan masih didominasi oleh non bagi hasil, terutama murabahah. Penelitian ini bertujuan untuk: (1)Mengetahui kendala-kendala yang dihadapi dalam menerapkan pembiayaan mudharabah;(2)Solusi yang dilakukan untuk mengatasi kendala tersebut; dan (3)Strategi yang tepat untuk mengaplikasikan pembiayaan mudharabah. Penelitian ini menggunakan metode Analytic Network Process (ANP) dan bantuan software Super Decision. ANP dilakukan dalam tiga tahap, yaitu: pertama, wawancara mendalam dengan pakar dan praktisi perbankan syariah untuk mengidentifikasi faktor-faktor yang mempengaruhi sedikitnya pembiayaan mudharabah; kedua, hasil dari langkah pertama digunakan untuk membuat kerangka ANP dan kuesioner yang ditujukan kepada para pakar dan praktisi perbankan syariah; dan ketiga, analisis ANP untuk menetapkan prioritas, solusi, dan strategi terbaik untuk menerapkan pembiayaan mudharabah di perbankan syariah. Hasil penelitian menunjukkan bahwa: (1)Kendala yang dihadapi oleh perbankan syariah dalam menerapkan pembiayaan mudharabah untuk sektor UMKM dapat dibagi menjadi dua, yaitu masalah internal dan eksternal. Masalah internal berasal dari internal perbankan, SDM perbankan, dan teknis pembiayaan mudharabah. Masalah eksternal bersumber dari nasabah atau pelaku UMKM, otoritas, dan pembiayaan alternatif. Masalah yang paling prioritas dihadapi adalah masalah eksternal, yaitu nasabah/UMKM yang terkait dengan pembukuan. Responden memiliki tingkat kesepakatan tertinggi (100%) pada masalah teknis mudharabah berupa kurang efisiennya pembiayaan mudharabah; (2)Solusi yang diberikan dalam penentuan strategi pembiayaan mudharabah terbagi dua, yaitu solusi internal dan eksternal. Solusi yang paling prioritas berasal dari solusi eksternal, yaitu solusi nasabah berupa pemberian pelatihan kepada para pelaku UMKM; dan (3)Alternatif yang paling prioritas dalam penentuan strategi pembiayaan mudharabah sektor usaha mikro, kecil, dan menengah (UMKM) di perbankan syariah adalah mendirikan lembaga penjamin, kemudian diikuti oleh program sosialisasi dan edukasi,segmentasi pasar pembiayaan mudharabah, pendampingan pihak ketiga, penguatan permodalan, dan optimalisasi akad mudharabah

Analysis of the Role of the Provincial Cooperatives and UKM Office in Improving Community Welfare

The title of the research is analyzing the role of Cooperative Services and UKM of North Sumatera Provincies in improving society welfare. Training of the research is to know the strategies and programs had done by cooperative service and UKM of North Sumatera Province in improving society wilfare. One of the conclusion of UKM research is: firstly, giving training and briefing of capital procurement, secondly, giving an egression to get business capital, thirdly, giving training and briefing in improving goods production. Furthermore, the role of cooperative service and ukm in improring society welfare. The role has dime thy cooperative service and UKM of North Sumatera Province to safe the society by conducting seminars or counseling and training for the society to get beculinary able to create micro business or create the cooperatives to improve the economy both in terms of the family economy and the country’s economy so that there are not many people who are poor and also unemployed. And also improve the society welfare by providing capital loans or for members of the cooperative by means saving first and then brrowing for members who have joined the cooperative. The research method is a qualitative mothod, the words are writen or spoken from the the people or subjecs are being observed. And this data is obtained from literature studies, interviews and observations to determine the analysis the role of the cooperative service and UKM for improving the society welfare.

Efektivitas Peran Koperasi dalam Pengembangan Usaha Kecil di Kota Medan

This study aims to determine the role and effectiveness of small business development in the Department of Cooperatives and SMEs in Medan City and to determine the effectiveness of developing cooperatives and small and medium enterprises in the Department of Cooperatives and Small and Medium Enterprises in Medan City. This study uses a qualitative method, in which the researcher wants to know how the Effectiveness of the Role of Cooperatives in the Development of Small Business in Medan City is. Thus, through this qualitative research, the researcher tries to describe the problems that exist in relation to the Effectiveness of the Role of Cooperatives in the Development of Small Business in Medan City. The Regional Government along with the Cooperatives and SMEs Office work together to develop the progress of Medan City SMEs. Therefore, the main task of the Medan City Cooperatives and SMEs Service is to carry out regional autonomy in carrying out all the assisting tasks that have been given by the central government and from the provincial government. As for the consequences of these activities, the Department of Cooperatives and SMEs are obliged to carry out all program activities that aim to increase the potential of the SME sector, especially in the urban village of Medan

Performance Analysis of the Office of Small and Medium Enterprises Cooperatives in Labuhanbatu Regency

This study aims to analyze the performance of the MSME Cooperative Office in Labuhanbatu Regency in carrying out the main tasks and functions of cooperative development. This study uses descriptive research with qualitative data assessment. In collecting data, researchers used interviews, observation and documentation. The results of this study indicate that the performance of the Department of Cooperatives of UMKM in Labuhanbatu Regency in carrying out the main tasks and functions of fostering cooperatives is still less than optimal. Then there are factors that influence the performance found in the field, namely human resource factors and cooperative development factors that have an impact on the performance of the MSME Cooperative Office in Labuhanbatu Regency in carrying out the duties and functions of cooperative development

Analisis Peran Otonomi Daerah terhadap Kesejahteraan Masyarakat

The purpose of granting the widest possible autonomy to regions in regional administration is to realize the expectations of community welfare through service improvement, community empowerment, and participation. In addition, it is hoped that the regions can increase their competitiveness through broad autonomy by taking into account the potential and regional diversity of the Unitary State of the Republic of Indonesia as well as democracy, equity, and justice as well as privileges and specializations.Community development and welfare are the main issues in the context of equitable development in order to accelerate the process of improving people's welfare throughout Indonesia. This can be seen from the efforts made by the central and regional governments to plan development in order to obtain optimal results while taking into account local conditions