Analisis Investasi Dalam Asuransi Syariah Di Indonesia Terhadap Portfolio Optimal

Sharia Insurance is an investment in the business conducted in which the company asa fiduciary (mudharib) must perform investment activities after obtaining approval from the supervisory board of Islamic syar'i to fund the premiums that have been collected from participants. Investment instruments used in the sharia insurance are mudharabah deposits, sharia bonds, mutual funds, murabahah financing and JII stock. This study aims to see the development of each investment in each company also to analyze the type of sharia insurance that can yield the most optimal portfolio by maximizing returns. By using the Linear Programming method to maximize returns and develop the corresponding constraints, the result will be obtained from the linear program that can generate an optimal portfolio. Furthermore, we will see the development of each type of investment and see the most optimal investment in the three sharia insurance companies in the years 2007-2009. The results of this study indicate that PT Family MTakaful Insurance has the type of investment that is optimal mudharabah deposits and sharia bonds. PT Prudential Insurance has the type of investment that is optimal mudharabah deposits and sharia bonds. PT Insurance Allianze have the optimal type of investment is mutual funds

Konstruksi Makna Happen Skateboarding Magazine sebagai Media Komunikasi Bagi Komunitas Lampung Skateboard Division (LSD) di Bandar Lampung

Komunitas skateboard yang merupakan kelompok sosial tertentu yang memiliki kekhasan dalam membentuk gaya hidupnya. Komunitas ini menggunakan majalah komunitas Happen Skateboarding Magazine sebagai sarana interaksi antar anggota. Tujuan penelitian ini adalah untuk menggambarkan cara berpenampilan pada komunitas skateboard, gaya bahasa atau istilah-istilah yang digunakan dalam berkomunikasi pada komunitas skateboard dan pemahaman tentang skateboard bagi komunitas skateboard yang didapat dari Happen Skateboarding. Magazine dalam perspektif teori interaksionisme simbolik. Penelitian ini menggunakan tipe penelitian deskriptif kualitatif dengan tradisi studi kasus dan teknik pengumpulan data berupa wawancara mendalam, observasi, dokumentasi, dan studi kepustakaan. Informan dalam penelitian ini adalah komunitas Lampung Skateboard Division/LSD di Bandar Lampung dengan teknik purposive sampling (disengaja). Teknik analisis data dalam penelitian ini menggunakan teknik reduksi data, display dan verifikasi. Hasil penelitian ini menunjukkan bahwa Komunitas Lampung Skateboard Divison (LSD) memaknai skateboard sebagai sarana interaksi serta ajang tempat mengekspresikan diri yang memberikan ruang bagi anggota komunitas skateboard yang berbeda daerah untuk saling bertukar pendapat dan makna sehingga tercipta suatu pemahaman yang sama tentang skateboard

Pengaruh Lingkungan Belajar Dan Kompetensi Profesional Guru Terhadap Prestasi Belajar Siswa SMA N 1 Jekulo Kudus

Learning environment and teachers\u27 professional competence are factors which can affect students\u27 achievement. The objective of the study was to determine the influence of learning environment and teachers\u27 professional competence toward students\u27 achievement either partially or simultaneously. The populations were 133 students and the samples were 100 students. Then, data were collected by questionnaires and documentation. The calculation of multiple regression resulted the equation of Y = 60.866 + 0.114 X1 + 0.048 X2. The coefficient of determination simultaneously; learning environment and teachers\u27 professional competence toward students\u27 achievement was 53.3%, the coefficient of determination partially; learning environment toward students\u27 achievement was 26.3%, and teachers\u27 professional competence toward students\u27 achievement was 16.9%. It was concluded that there was significant influence of learning environment toward students\u27 achievement, there was no significant influence of the teachers\u27 professional competence toward students\u27 achievement, and there was significant influence of learning environment and teachers\u27 professional competence toward students\u27 achievement

Optimasi Formula Mikroenkapsulasi Ekstrak Rimpang Temulawak (Curcuma Xanthorrhiza Roxb.) Dengan Penyalut Berbasis Air

Java turmeric (Curcuma xanthorrhiza Roxb.) is a native plant of Indonesia which has been proved as anti-inflamation, antioxidant, antimicrobial, antitumor, hepatoprotective and antihyperlipidemic agent. The bitter taste with pungent aroma of java turmeric, improper storage that decreasing essential oil and curcuminoid level can be prevented by coating java turmeric as microcapsule. Recently, many microcapsule formulation is made based on organic solvent which have high risk on toxicity and also flammable. The study aimed to produce microcapsule using water based coating material from mixture of tapioca starch and carboxymethylceIlulose (CMC). There are 3 formulas of coating material that were used in this study, with proportion (w/v) of tapioca starch and CMC in formula I (3% : 1 %), formula II (2% : 2 %), and formula III (1% : 3%). The results showed that microcapsule with coating material made from formula III was the best, regarding to the measurements of physical parameter (recovery, water content, absorption efficiency, flow rate and particle size) and chemical parameter (curcumin content) compared to formula I and II. The higher CMC concentration on coating material compotition, the better microcapsule will be produced

Pengaruh Tata Ruang Dan Komunikasi Intern Terhadap Efektivitas Kerja Guru Di Smk Negeri 9 Semarang

Office layout is a method to formulate spatial, tools, layout, and their physical environment that aims to provide a means for teachers and internal communications are an important means to unify the direction and the views and thoughts among teachers and between teachers with the Head of School, so create cohesion in the work. This research aims: 1) to determine whether there is any spatial effect on the effectiveness of teachers \u27work; 2) to determine whether there is an internal communication influence the effectiveness of teachers\u27 work; 3) to know how big influence of spatial planning and internal communication on the effectiveness of working collectively same. The population that became the subject of this study was the teacher of SMK Negeri 9 Semarang all 44 people who made the research sample because this study represents a population study. In this study, the independent variables are spatial and internal communications, while the dependent variable is the employment effectiveness of teachers. Data collection was performed using a questionnaire technique, documentation and observation. Data analysis technique used is descriptive analysis percentages, multiple regression analysis, simultaneous test, partial test, coefficient of determination and classical assumption. Based on the results of regression analysis obtained F value of 13.357 with a probability of 0.000 <0.05, which means that there is significant influence between spatial planning and internal communication on the effectiveness of teacher working SMK Negeri 9 Semarang. The amount of influence between spatial planning and internal communication on the effectiveness of teacher working SMK Negeri 9 for 39.5% of Semarang. Based on this research, the authors suggest that: in drafting desk should be more loose and in placing the furniture and other equipment should be to take advantage of the space available, so the staff room and classrooms and teachers more impressed with a neat move freely when doing academic activities; head schools should pay more attention to another teacher performance by giving instructions clearly did not even hesitate to reprimand if proven negligent in completing the job, as an effort to improve the quality of education, school principals should be willing to open ourselves to receive all complaints, ideas, or ideas from teachers

Pengaruh Kualitas Pelayanan Jkbm terhadap Kepuasan Pasien Rawat Inap di RSUD Klungkung Tahun 2014

The focus of this research is the Effect of JKBM Service Quality on Inpatients Satisfaction at Public Hospital of Klungkung Regency Year 2014 by using problem's formulation “how great the Effect of JKBM Service Quality on Inpatients Satisfaction at Public Hospital of Klungkung Regency?”. The method used in this research was associative quantitative because the objective of this research was to know the effect and the relation between two variables. The research population was 138 on Inpatients that use JKBM service at Public Hospital of Klungkung Regency, with the sample amount was 103 respondents. Indicators used to measure the Quality of JKBM Service in this study gained from Lenvinne theory (1990) that contains 3 indicators are Responsiveness, Responsibility, and Accountability, four factors that be able to influence customers satisfaction according to Rangkuti (2006) that consists of Value, Competitiveness, Customers Perception, Service Stages, and Service Moment. The collecting data used questionnaires. The data analysis technical used simple linear regression test resulted Y = 4,115 + 0,388 X1, means that high and low quality of JKBM service gained by inpatients Satisfaction of Public Hospital at Klungkung Regency. Simple correlation analyzed result (R) was 0.866, positive or unidirectional, t-test test with accounting result of tcount was greater than ttable (17.417> 1.658), so HO refused and H1 accepted. So it can be concluded there is significant Effect between JKBM Service Quality towards inpatients Satisfaction at Public Hospital of Klungkung Regency Year 2014 with the amount 75% while the rest's amount 25% influenced by other factors. So the researcher's hypothesis stated that "there is Effect between JKBM Service Quality Towards Inpatients Satisfaction at Public Hospital of Klungkung Regency Year 2014 based on the research's result or it can be said to be accepted

Konstruksi Makna Hijab Fashion Bagi Moslem Fashion Blogger

Penelitian berjudul “Konstruksi Makna Hijab Fashion bagi Moslem Fashion Blogger di Indonesia”dilatarbelakangi oleh perkembangan busana muslim di Indonesia yang mengalami peningkatan dalambeberapa tahun terakhir. Fenomena tersebut tidak terlepas dari pengaruh gaya hidup masa kini yang tidakdapat dipisahkan dari teknologi. Blog yang merupakan perkembangan teknologi media baru (new media)dimanfaatkan oleh para Moslem Fashion Blogger untuk mengekspresikan gaya berbusana muslim sebagaisuatu trend fashion yang berperan dalam perkembangan fashion moslem di Indonesia. Peneliti ingin mengkajilebih jauh mengenai pemahaman, motif, dan pengalaman Moslem Fashion Blogger dalam menggunakan blogsebagai media komunikasi mengenai Hijab Fashion di Indonesia. Teori yang digunakan untuk membentukkerangka pemikiran dalam penelitian ini adalah teori fenomenologi Alfred Schutz, Teori Konstruksi SosialAtas Realitas Luckmann dan Berger, dan Teori Interaksi Simbolik George Herbert Mead. Penelitian inimenggunakan metode kualitatif melalui pendekatan tradisi fenomenologi yang memusatkan perhatian padapengalaman hidup dan mencari makna mengenai realitas berdasarkan sudut pandang subjek penelitian. Penelitimenetapkan enam informan sebagai sumber informasi. Hasil penelitian menunjukkan bahwa pemahamanMoslem Fashion Blogger mengenai hijab fashion adalah bahwa perkembangan tren hijab fashion di Indonesiamerupakan perkembangan yang positif namun terjadi suatu pergeseran makna. Motif dalam menggunakanblog sebagai media komunikasi mengenai hijab fashion terbagi atas motif atraksi, motif inspirasi, dan motifeksistensi. Saran untuk penelitian selanjutnya adalah perkembangan hijab fashion merupakan salah satufenomena yang menarik dan terus berkembang, maka diharapkan penelitian selanjutnya dapat mengkaji lebihmendalam khususnya mengenai konstruksi makna hijab fashion bukan hanya terhadap pelaku industri hijabnamun juga lebih dalam terhadap mereka yang benar-benar memahami syariat agama Islam

Pengembangan Sistem Remote Control untuk Setting Waktu pada Sistem Automatic TIME Switch (ATS) Berbasis Real TIME Clock (RTC) DS1307 untuk Saklar Lampu

A remote control system applied for remote time setting of the Automatic Time Switch (ATS) system was developed in this current research to make easier on the performing of time setting for ATS system that implemented to control a switch of front yard lamp automatically based on time setup. This development was also a further step to improve the first version of ATS-C2I system that just has some in system default time setup options. Time reference for this system utilized a Real Time Clock (RTC)-DS 1307 that has time setting duration from second, minute hour, day, month and year. This time setting was transmitted from remote system to ATS system through 315 MHz radio frequency communication system. From the experiment results, the ATS system has been able to receive time setting from remote control system completely on maximum distance range 22 meters. Beside of that, the ATS system has been able to control a lamp switch activation based on user time setting setup. The availability of the second version of ATS-C2I system can increase saving energy as well as can help to improve a home security system

Penyelesaian Klaim pada Asuransi Kendaraan Bermotor melalui Badan Mediasi Asuransi

Insurance or about responsibility is indentured among two parties or more by which underwriter party fasten self to the insureds by accept insurance premiums to give substitutions to been taken on because loss, damage or expected gain loss, or takes on jawah law to third party who may will suffer evoked the insured of a scene that not absolutely, or to give a payment that didasarka on dies or its life someone which be underwritten (section 1 sentence (1 ) UU No. No. Years 1992). In motor vehicle insurance agreement not close its happening possible dispute, that dispute usually in term claim which because of the insured party and also the insurer. One of the ways penyelesian that dispute is through Warm Up Mediasi Indonesia Insurance (BMAI). Mediasi\u27s body Indonesia Insurance (BMAI) constitute an independent body that have mediator mediator what does commisioned independent to perform insurance claim dispute working out among reassured with underwriter. Insurance claim dispute is dispute among the insured with the insurer that reverential one of the parties not carry on deal already being made with every consideration or even because available party that wanprestasi, so disadvantages one of the parties. Dispute working out procedure motor vehicle insurance claim via 2 phases which is phase mediasi and ajudikasi\u27s phases. If dispute gets most solve at mediasi\u27s phase therefore finish dispute, on the contrary if dispute can\u27t be solved at mediasi\u27s phase therefore its working out is drawned out to ajudikasi\u27s phase. Are not all claim dispute can thru solve Mediasi\u27s Body Indonesia Insurance (BMAI) since exists requisite who shall be accomplished by the insured. Although that requisite were accomplished, are not close possible dispute working out process insurance claim via Warms Up Mediasi Indonesia Insurance (BMAI) will be constrained

Beyond locutionary denotations: exploring trust between practitioners and policy

This study reports the findings of a research on the trust relationship between practitioners in the Skills for Life (SfL) area and the policy that informs their practice. The exploration of this relationship was premised on an extended notion of trust relationship which draws from the Speech Act theory of Austin (1962; Searle 1969; Kissine 2008), leading to the claim that the existence of different layers of imports in textual analysis makes it possible for a trust relationship to exist between the human/physical and the non human/non physical. The study found that the majority of practitioners in the SfL field trust policy to deliver its inherent policy only to a limited extent. Amongst others, the study identified the impact of the perlocutionary import of policy text on practitioners as a viable reason for this limited level of trust. Such perlocutionary imports, it also found, have adverse impact on practitioners who are considered to have drawn from previous experience to mediate the import of contemporary policies