Credit: an Islamic Law Perspective

This study aims to examine the legal status of credit sale and purchase. This phenomenon is inseparable from the context of Islamic legal thinking about the legal status of the credit financing system with the addition of prices. Buying and selling credibility is one alternative for consumers to own the goods they want. The results of the study showed that there were three views of scholars regarding the legal status of the credit system sale and purchase, namely: a view that absolutely forbids, can be absolutely, and tafshil (between neutral and forbidden). The author argues that the issue of buying and selling credit is something that is not mentioned in the Qur'an, so that this authority is returned to the community, as long as it does not violate the Islamic business ethics, and there is mutual willingness to conduct transactions. Moreover, buying and selling credit is a bigger problem

Effect of Feed Combination of Avocado (Persea americana M.) and Pumpkin Seed (Cucurbita moschata Duch.) on Villi Height and Goblet Cell Number of Goblet Fish (Osphronemus gourami Lac.)

In Indonesia, there are several types of freshwater fish that the community has cultivated. Besides having high nutritional value, Freshwater fish also have high economic value for trading, such as gourami. One of the obstacles in the cultivation of freshwater fish is the price of feed. This research is oriented towards alternative feeds to reduce production costs by utilizing avocado seeds and pumpkin seeds. This study aimed to determine the effect of feeding a combination of avocado seeds and pumpkin seeds on the histopathology of gourami. This study used a non-factorial completely randomized design (CRD) method with four treatments and six replications P0, P1, P2, and P3. P0 (Control feed/pellet), P1 (Feed 40 grams of avocado seeds + 40 grams of pumpkin seeds + 20 grams of mixed ingredients), P2 (Feed of 20 grams of avocado seeds + 60 grams of pumpkin seeds + 20 grams of mixed ingredients) and P3 ( Feed 60 grams of avocado seeds + 20 grams of pumpkin seeds + 20 grams of mixed ingredients). Data were analyzed using ANOVA and Advanced Test with a significant level of 5%. The results showed that the P2 treatment could increase the villi height and the number of Goblet cells in the intestines of gourami fish. It can be concluded that the combination of avocado seeds and pumpkin seeds has a significant effect on the histopathological picture of the digestive organs of gouram

Persentuhan Filantropi Islam dan Budaya Lokal: (Studi Terhadap Tradisi Pogogutat Suku Mongondow di Sulawesi Utara)

Pogogutat culture in the Mongondow tribe in North Sulawesi is one of the local wisdoms in Indonesia which is loaded with various meanings. This cultural presence is in contact with community activities whose purpose is to improve the quality of life of the people. Practically, the tradition of pogogutat is carried out simultaneously by the community if there is one person holding a celebration in the form of providing assistance in the form of material, energy and thoughts. Pogogutat culture among the Mongondow people can be understood among others as a form of an identity as a Muslim community that has the character of ta'awun (please help), helping each other in order to spread the symbols of Islam as part of religious advice. This tradition has a close relationship with the concept of Islamic philanthropy in this case can be interpreted as a movement, both carried out by individuals and groups with the aim of improving the quality of life of society through a "culture of giving"

Implementation of Guided Inquiry Strategy Combined with Scientific Student Worksheets on the Structure and Function of Plant Tissues to Improve Learning Outcomes

This study aims to determine the application of a guided inquiry strategy combined with scientific student worksheets to improve student learning. The research method used is True experimental using pretest-posttest control group design. The population in this study were students of class XI MIPA MA Negeri 1 Pidie. The number of samples consisted of 132 people, and each class consisted of 33 students. The research instrument used is test questions. The data analysis technique of learning outcomes is through the N-Gain test and the independent sample t-test. The N-gain test of learning outcomes obtained that the average of the experimental class was higher than the control class, where each class was classified as a medium improvement criterion. The independent sample t-test showed a significant average difference between the learning outcomes of the experimental class and the control class, namely tcount > ttable (65.8 > 1.65). The percentage of N-Gain learning outcomes in the experimental class is 77.73% in the high category. This study concludes that there is an increase in student learning outcomes on the material structure and function of plant tissue at MAN 1 Pidie in the experimental class by applying the guided inquiry strategy combined with scientific Student Worksheet

PENERAPAN PETA KONSEP SEBAGAI BENTUK ASESMEN FORMATIF DALAM MENINGKATKAN HASIL BELAJAR MAHASISWA PADA MATA KULIAH STRUKTUR DAN PERKEMBANGAN TUMBUHAN

Telah dilakukan penelitian tentang penerapan peta konsep sebagai bentuk asesmen formatif dalam meningkatkan hasil belajar mahasiswa pada mata kuliah struktur dan perkembangan tumbuhan. Penelitian ini dilakukan pada semester genap (Juni-Desember 2013) di Program Studi Pendidikan Biologi FKIP Unsyiah dengan tujuan untuk meningkatkan hasil belajar mahasiswa pada mata kuliah struktur dan perkembangan tumbuhan. Penelitian ini menggunakan metode penelitian eksperimental desain Pretest-posttest Control Group. Jumlah sampel 92 orang mahasiswa yang dikelompokkan dalam dua kelompok secara acak, yaitu kelompok eksperimen (perkuliahan penerapan peta konsep) dan kelompok kontrol (perkuliahan tidak menerapkan peta konsep). Untuk keperluan pengumpulan data dikembangkan sejumlah instrumen yang meliputi peta konsep standar, lembar kerja mahasiswa (LKM), dan perangkat tes (objektif tes). Pengumpulan data dilakukan melalui pretest dan. Data peningkatan hasil belajar diperoleh dengan menghitung skor gain ternormalisasi. Untuk mengetahui perbedaan peningkatan hasil belajar antara kelas eksperimen dengan kelas kontrol dilakukan uji beda dua rata-rata skor gain ternormalisasi dengan uji-t. Hasil penelitian menunjukkan bahwa penerapan peta konsep sebagai bentuk asesmen formatif dapat meningkatkan hasil belajar mahasiwa dalam memahami konsep-konsep stuktur dan perkembangan tumbuhan. Pemberian  scaffolding,  umpan balik yang intensif serta kesempatan self  assessment  yang  diberikan  kepada  mahasiswa  memberikan dampak baik terhadap hasil belajar. Sebaliknya scaffolding, umpan balik dan kesempatan  self  assessment  tidak  diberikan menyebabkan hasil belajar yang kurang optimal

Kredit: Suatu Kajian Perspektif Hukum Islam

This study aims to examine the legal status of credit sale and purchase. This phenomenon is inseparable from the context of Islamic legal thinking about the legal status of the credit financing system with the addition of prices. Buying and selling credibility is one alternative for consumers to own the goods they want. The results of the study showed that there were three views of scholars regarding the legal status of the credit system sale and purchase, namely: a view that absolutely forbids, can be absolutely, and tafshil (between neutral and forbidden). The author argues that the issue of buying and selling credit is something that is not mentioned in the Qur'an, so that this authority is returned to the community, as long as it does not violate the Islamic business ethics, and there is mutual willingness to conduct transactions. Moreover, buying and selling credit is a bigger problem.Penelitian ini bertujuan mengkaji status hukum jual beli kredit. Fenomena seperti ini tidak terlepas dari konteks pemikiran hukum Islam tentang status hukum sistem pembiayaan kredit dengan penambahan harga. Jual beli krediat adalah salah satu alternatif bagi konsumen untuk memiliki barang yang dikehendakinya. Hasil penelitian menunjukkan ada tiga pandangan ulama menanggapi status hukum jual beli sistem kredit, yaitu: pandangan yang mengharamkan secara mutlak, boleh secara mutlak, dan tafshil (antara boleh dan haram). Penulis berpendapat bahwa persoalan jual beli kredit adalah sesuatu yang tidak disebutkan dalam al-Qur’an, sehingga kewenangan ini dikembalikan kepada masyarakat, selama tidak melanggar etika berbisnis Islam, dan adanya saling rela dalam melakukan transaksi. Apalagi jual beli kredit ini maslahatnya lebih besar

Pencatatan Perkawinan Lintas Kantor Urusan Agama di Kota Gorontalo

This paper aims to find out and analyze marital registration across the Office of Religious Affairs (KUA) in Gorontalo City by observing Circular Letter of the Directorate of Islamic Community Guidance Number: Dj.II.2 / 1 / HM.01 / 942/2009. This research is a descriptive-analytical field research. The approach used is a normative juridical approach with data collection methods in the form of observations, interviews and documentation studies. The results showed that 7 of 9 KUA in the City of Gorontalo, the Headman/Registrar of marriage did not know and read the Circular, while 2 of the 9 KUA in Gorontalo City who have read it are divided into two groups: First, assume that the purpose of the Circular applies only to normal marriages, not to apply to post-isbat marriages; Secondly, despite the contrary opinion, if faced with a real case in the field, Recording of post isbat marriage done by cross-KUA, will still receive and record it even if it is not in accordance with the contents of the circular and follow the court's ruling on the contents of the determination of the isbat. The author is of the opinion that the reality of cross-KUA marriages in Gorontalo does not go according to the rules contained in the Circular, and even seems to be ignored by the Headman/Registrar of marriage

Application of the Guided Inquiry Model to Improve Science Process Skills High School Students

This study aims to improve students' science process skills by applying a guided inquiry learning model to the concept of work and energy learning physics. The research design used was a quasi-experimental control group design. The population in this study was all class X MIA SMA Negeri 5 Banda Aceh, which consisted of five parallel classes who took the science program in the even semester of 2020/2021 with a total of 139 students. Two classes as the research sample were selected by purposive sampling by taking into account the average value of physics for each class. Meanwhile, the determination of the experimental and control classes in this study was carried out randomly. Data on science process skills in both classes was obtained through observation sheets filled out by two observer teachers. The results of data analysis show that, in general, there is a significant difference between the improvement of science process skills in the experimental class and the control class for the indicators of observing, predicting, measuring, communicating, and concluding. However, for classifying indicators, the results were not significantly different. The improvement of science process skills in the experimental class in general for all of these indicators certainly cannot be separated from each step of the guided inquiry learning model they carry out. The positive results of the implementation of physical learning through the inquiry model on students' science process skills can be used as a reference and support for teacher implementation in carrying out the teaching and learning process of physics, especially on the concept of business and energ

EVALUASI BIAYA DAN JADWAL PELAKSANAAN PROYEK KONSTRUKSI DENGAN METODE EARNED VALUE ANALYSIS (STUDI KASUS PEMBANGUNAN GEDUNG SDA SIGLI)

ABSTRAKPada proses pelaksanaan suatu proyek konstruksi pembangunan gedung, mulai dari gagasan sampai dengan selesainya suatu proyek, akan selalu dipengaruhi oleh kegiatan sebelumnya, yaitu mulai dari perencanaan yang telah direncanakan, sebagai pedoman pelaksanaannya. Proses pelaksanaan tersebut, akan selalu terkait dengan biaya, jadwal dan kualitas dari konstruksi itu sendiri. Untuk itu kiranya perlu diadakannya perencanaan untuk masalah kinerja biaya, dan jadwal pelaksanaan proyek. Adanya penyimpangan biaya dan waktu yang signifikan mengindikasikan pengelolaan proyek yang buruk, sehingga perencanaan tentang evaluasi biaya dan waktu pada proyek Pembangunan Kantor SDA (Sumber Daya Air) di Sigli perlu untuk dilakukan. Tujuan perencanaan ini adalah untuk menganalisis penyelesaian proyek secara menyeluruh, sehingga dapat diketahui nilai dari varians biaya dan varians jadwal apakah bernilai positif atau negatif. Perencanaan ini dilakukan dengan menggunakan metode Earned Value Analysis. Data yang dibutuhkan dalam perencanaan ini adalah daftar harga bahan dan upah, laporan mingguan/bulanan dan rekapitulasi perhitungan biaya proyek. Pengolahan data dilaksanakan secara sistematis dan logis sesuai dasar teori permasalahan sehingga didapat analisis yang akurat untuk mencapai tujuan perencanaan. Hasil perhitungan varians biaya dan indeks kinerja biaya proyek sampai bulan Agustus diperoleh performa biaya pelaksanaan proyek berada dibawah anggaran (cost underrun). Untuk performa jadwal dilihat melalui varians jadwal dan indeks kinerja jadwalnya. Perkiraan total biaya proyek pada hari ke-180 atau bulan ke-6, dimana persentase pelaksanaan proyek telah mencapai 100% adalah Rp. 1.527.612.659,00 lebih kecil daripada rencana anggaran biaya yaitu sebesar Rp. 2.000.000.000,00. Persentase keuntungan perkiraan sebesar 23,62%.Kata Kunci : Proyek Konstruksi, Biaya dan Waktu, EVA (Earned Value Analysis

Persentuhan Filantropi Islam dan Budaya Lokal: (Studi Terhadap Tradisi Pogogutat Suku Mongondow di Sulawesi Utara)

Pogogutat culture in the Mongondow tribe in North Sulawesi is one of the local wisdoms in Indonesia which is loaded with various meanings. This cultural presence is in contact with community activities whose purpose is to improve the quality of life of the people. Practically, the tradition of pogogutat is carried out simultaneously by the community if there is one person holding a celebration in the form of providing assistance in the form of material, energy and thoughts. Pogogutat culture among the Mongondow people can be understood among others as a form of an identity as a Muslim community that has the character of ta'awun (please help), helping each other in order to spread the symbols of Islam as part of religious advice. This tradition has a close relationship with the concept of Islamic philanthropy in this case can be interpreted as a movement, both carried out by individuals and groups with the aim of improving the quality of life of society through a "culture of giving"