THE NATURE OF RISK IN ISLAMIC FINANCIAL INSTITUTIONS

Islamic financial institutions are a risky business and several risk factors have been identified as critical to ensure that the Islamic financial institutions position remain intact amid the intense competition in the industry. The survival and success of a financial organization depends critically on the efficiency of managing risks. More importantly, good risk management is highly relevant in providing better return to the stakeholders. In addition, prudent risk management by financial institutions is the hallmark to avoid financial distress that could lead to financial crisis. This research aims to identify the types of risk in Islamic Financial Institutions. This research is using qualitative method to collect and analyze the data through direct observation and documentation study. The findings in this study offers a new interpretation of the primary sources that significantly introduce substantial new evidence and findings that would be beneficial for players in the Islamic industry, including policymakers and regulators to develop, enhance and improve the Risk Management. Furthermore, the study hopes to contribute in terms of recommendation strategy to strengthen and knowing the risk of the Islamic Financial Institutions so as to increase the overall competitiveness in the Islamic Financial Industry

THE CORRELATION BETWEEN GRAMMAR AND VOCABULARY MASTERY TOWARD SPEAKING SKILL AMONG THE SEVENTH GRADE STUDENTS OF MTSN 1 KEDIRI

This research is aimed to know whether there is significant correlation between grammar and vocabulary mastery toward speaking skill among the seventh grade students of MTsN 1 Kediri. The design of this research was descriptive quantitative. The sample was 194 students. . The research instruments in this research were tests and questionnaire. The result was there is significant correlation between grammar and vocabulary mastery toward speaking skill among the seventh grade students of MTsN 1 Kediri. The value of correlation between X1 and Y is 0,46, then for correlation between X2 and Y is 0,234. It is recommended for the teachers to pay attention to the students’ speaking skill

PENERAPAN BESARAN GANTI RUGI HAK ATAS TANAH YANG DIGUNAKAN UNTUK KEPENTINGAN UMUM DALAM PERSPEKTIF KEADILAN

Procurement of land for development in the public interest causes turmoil in practice, where there is coercion from the parties, both the government, which sets the price of compensation unilaterally and the land owner, demands a price that is considered unfair, while the existing legal instruments have not been able to accommodate two different interests. In the end, coercion and intimidation of the community occurred in terms of land acquisition for development in the public interest. As for the purpose of this research, namely to find out the determination of the amount of compensation for land rights that are used for the public interest according to the law and to find out the determination of the amount of compensation for land rights that applies already reflects the values of justice. The research method used by researchers in conducting this research is library research or normative research. In fact, compensation for land rights used for public purposes given by the government or authorized officials to those who use the land is not entirely fair. Determination of the amount of compensation is determined based on applicable laws and regulations and other regulations as long as they do not conflict with applicable regulations. Determination of the amount of compensation also refers to the sale value of the tax object (NJOP) if there is ignorance in determining the value of compensation. Compensation given by parties who need land to landowners is unfair, there is an element of non-transparency and does not match market prices in determining the value of the compensation given. Compensation given must be in accordance with existing laws and regulations, and for people affected by land acquisition to actually receive proper compensation, which is in accordance with the results of physical measurements as well as evaluations from other aspect

MANAJEMEN PROSES KONVERSI PERBANKAN KONVENSIONAL MENJADI PERBANKAN SYARIAH STUDI KASUS BANK NTB SYARIAH

won the 2019 Global Islamic Financial Report (GIFR) Award.The development of the Islamic banking industry has been welcomed by service usersbanking, especially the province of West Nusa Tenggara (NTB) withthe success of the NTB Regional Development Bank (BPD) in converting toBank NTB Syariah on September 4 2018, this conversion is an innovationmajor in Indonesian banking. This study aims to determinemanagement process carried out by Bank NTB Syariah in controlling ResourcesHuman Power at each conversion stage according to Lewin's model of change.This research is a descriptive qualitative researcha case study approach to the conversion of Bank NTB Syariah. Source of dataused are primary and secondary data, namely by interview technique, studylibraries, documentation studies, and internet searching. The results of this studyconcluded that the conversion process of Bank NTB Syariah was going well.Process management is carried out with care and considerationpreparation and implementation, development of SDI, performance of Bank NTB Syariah, as wellgood documentation. At every stage of the conversion it must always motivate SDIexisting in order to stay on the desired conversion system in a waycarry out training, conduct benchmarks and collaborate withother institutions. Post-conversion Bank NTB Syariah experienceda significant performance increase, with a hugely improved DPK portraitsignificant, which is approximately 40% of the average growth each year.berhasil meraih Global Islamic Financial Report (GIFR) Award 2019.Perkembangan industri perbankan syariah disambut baik oleh para pengguna jasaperbankan, khususnya daerah provinsi Nusa Tenggara Barat (NTB) denganberhasilnya Bank Pembangunan Daerah (BPD) NTB melakukan konversi menjadiBank NTB Syariah pada tanggal 4 September 2018, konversi ini merupakan inovasibesar dalam perbankan Indonesia. Penelitian ini bertujuan untuk mengetahuimanajemen proses yang dilakukan Bank NTB Syariah dalam mengendalikan SumberDaya Manusia pada setiap tahap konversi sesuai dengan model perubahan Lewin.Penelitian ini merupakan penelitian kualitatif yang bersifat deskriptif denganpendekatan studi kasus pada konversi Bank NTB Syariah. Sumber data yangdigunakan adalah data primer dan sekunder yaitu dengan teknik wawancara, studipustaka, studi dokumentasi, dan internet searching. Hasil dari penelitian inimenyimpulkan bahwa proses konversi Bank NTB Syariah berjalan dengan baik.Manajemen proses dilakukan dengan kehati-hatian dan mempertimbangkanpersiapan dan pelaksanaan, pengembangan SDI, performa Bank NTB Syariah, sertamendokumentasi yang baik. Pada setiap tahap konversi harus selalu memotivasi SDIyang ada agar tetap berada pada sistem konversi yang diinginkan dengan caramelaksanakan pelatihan, melakukan Benchmark dan menjalin kerja sama denganlembaga-lembaga lainnya. Pasca konversi Bank NTB Syariah mengalamipeningkatan kinerja yang signifikan, dengan peningkatan potret DPK yang sangatsignifikan, yaitu sebesar kurang lebih 40% rata-rata pertumbuhan setiap tahunnya

TANGGUNG JAWAB PELAKSANAAN REKLAMASI DAN PASCA TAMBANG PERUSAHAAN PEMEGANG IUP OPERASI PRODUKSI BATUBARA BERDASARKAN PRINSIP GOOD MINING PRACTICE

Kegiatan pertambangan membawa dampak besar bagi lingkungan. Oleh karena itu untuk menjaga keberlanjutan lingkungan dalam kegiatan pengelolaan tambang mewajibkan perusahaan untuk melakukan reklamasi dan pascatambang. Namun sebagaimana  diatur dalam Undang – Undang Nomor 3 Tahun 2020 Tentang Perubahan atas Undang – Undang Nomor 4 Tahun 2009 tentang Pertambangan Mineral dan Batubara. Hadirnya ketentuan UU Minerba yang baru tersebut mengatur mengenai reklamasi dan pascatambang yang memiliki izin konsensi tambang (IUP) untuk melaksanakan reklamasi dan pascatambang dengan tingkat keberhasilan wajib mencapai 100% dan adanya penerapan sanksi pidana bagi perusahaan yang memiliki IUP apabila tidak melaksanakan ketentuan tersebut. Penelitian ini bertujuan untuk memberika gambaran dan jawaban tentang bentuk - bentuk tanggung jawab perusahaan pemegang IUP dalam melaksana reklamasi dan pascatambang yang harus mencapai tingkat keberhasilan 100%, kemudian kendala yang dialami perusahaan tambang tersebut serta upaya pemerintah dalam mengawasi jalannya tanggung jawab oleh perusahaan pemegang IUP dalam melaksanakan reklamasi dan pascatambang yang berwawasan lingkungan berdasarkan prinsip good mining practice. Penelitian ini menggunakan metode normatif-empiris. Hasil penelitian menunjukkan ada berupa kewajiban pemberian uang jaminan reklmasi dan pascatambang yang dihitung dari luas area yang terkena dampak pengelolaan pertambangan dan berupa tujuh bentuk tanggung jawab yang lainnya yang diatur melalui Peraturan Pemerintah Nomor 78 Tahun 2010 Tentang Reklamasi dan Pascatambang dan Keputusan Menteri Energi dan Sumber Daya Mineral Republik Indonesia Nomor 1827 K/30/MEM/2018 Tentang Pedoman Pelaksanaan Kaidah Teknik Tambang Yang Baik. Kata Kunci: Tambang, Batu Bara, Reklamasi, Tanggung Jawa

Pengaruh Literasi Keuangan Dan Gaya Hidup Terhadap Perilaku Keuangan Aparatur Sipil Negara (ASN) Wanita Di Sumbawa Besar

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan dan gaya hidup terhadap perilaku keuangan Aparatur Sipil Negera (ASN) wanita di kawasan Sumbawa. Penelitian ini menggunakan metode kuantitatif. Sampel dalam penelitian berjumlah 100 responden yang diperoleh dengan metode nonprobability sampling dengan teknik pengambilan menggunakan purposive sampling. Data yang diperoleh dianalisis dengan menggunakan Statistical Product and Service Solution (SPSS) IBM versi. 23. Berdasarkan uji diperoleh bahwa literasi keuangan dan gaya hidup berpengaruh signifikan terhadap perilaku keuangan

PENGARUH PANAMA PAPERS TERHADAP INDEKS HARGA SAHAM GABUNGAN (IHSG)

Penelitian ini bertujuan untuk menganalisis pengaruh Panama Papers terhadap IHSG metode yang digunakan adalah metode kuantitatif. Teknik analisis data menggunakan regresi linear sederhana yang dioperasikan melalui program SPSS. Data yang digunakan merupakan data sekunder yang didperoleh dari laporan keuangan. Pengambilan sampel dilakukan melalui teknik purposive sampling sehingga didapatkan sebanyak 19 perusahaan. Hasil penelitian menunjukkan bahwa publikasi Panama Papers berpengaruh tidak signifikan terhadap IHSG pada periode 4 April sampai 4 Juli 2016. Berdasarkan hasil uji koefisien determinasi yang telah dilakukan, diperoleh nilai sebesar 1,1% perubahan IHSG dijelaskan oleh variabel independen publikasi Panama Papers dan perubahan IHSG 98,9% dijelaskan oleh variabel independen lain

PENGARUH KUALITAS PRODUK, HARGA, DAN PROMOSI TERHADAP KEPUTUSAN PEMBELIAN AIR MINERAL DALAM KEMASAN MEREK DHARMA

Penelitian ini bertujuan untuk mengetahui: 1) pengaruh kualitas produk terhadap keputusan pembelian AMDK Merek Dharma. 2) pengaruh harga terhadap keputusan pembelian AMDK Merek Dharma. 3) pengaruh promosi terhadap keputusan pembelian AMDK Merek Dharma. 4) pengaruh kualitas produk, harga, dan promosi secara simultan terhadap keputusan pembelian AMDK Merek Dharma. Model yang digunakan dalam analisis data adalah uji instrumen penelitian, uji asumsi klasik, analisis regresi berganda, dan uji hipotesis. Alat analisis yang digunakan dalam penelitian ini adalah SPSS 16. Data yang digunakan yaitu data primer dan data skunder dengan pengambilan sampel secara purposive sampling. Hasil penelitian menunjukan bahwa 1) kualitas produk berpengaruh positif dan signifikan yang di tunjukan dengan nilai untuk variabel kualitas produk ialah sebesar 0.000 dimana nilai ini < 0,05. 2) Harga berpengaruh positif tetapi tidak signifikan yang ditunjukan dengan nilai untuk variabel harga ialah sebesar 0.820 dimana nilai ini > dari 0,05. 3) Promosi berpengaruh positif dan signifikan yang ditunjukan dengan nilai untuk variabel promosi ialah sebesar 0.005 dimana nilai ini < 0,05. Secara simultan kualitas produk, harga, dan promosi mempengaruhi keputusan pembelian sebesar 31,0

Pengaturan Sertifikasi Halal bagi Rumah Pemotongan Hewan (RPH) di Indonesia

Halal certification is a series of processes that must be fulfilled by slaughterhouses. The aim is to provide comfort, security, safety and certainty of the availability of halal meat for the community, as well as increasing added value for business actors to produce and sell halal meat products. This research examines the provisions regarding halal certification rules for slaughterhouses in Indonesia, the halal certification mechanism and the consequences for slaughterhouses that are not halal certified. The research method used is the normative juridical method, namely research that focuses on legal norms contained in statutory regulations. The research results show that the provisions for halal certification for slaughterhouses in Indonesia are regulated in Law Number 33 of 2014 concerning Halal Product Guarantees, Law Number 6 of 2023 concerning Determination of Government Regulations in Lieu of Law Number 2 of 2022 concerning Job Creation, Government Regulation Number 39 of 2021 concerning the Implementation of the Halal Product Guarantee Sector, Decree of the Minister of Religion Number 748 of 2021 concerning Types of Products that must be halal certified, and detailed guidelines are regulated in the Decree of the Head of the Halal Product Guarantee Organizing Agency Number 77 of 2023 concerning Guidelines for Implementing the Product Guarantee System Halal in Slaughtering Ruminants and Poultry. The halal certification mechanism consists of the manager or business operator of the slaughterhouse registering and attaching the required documents; BPJPH will examine the requirements that have been attached; Next, an audit and inspection of the product will be carried out, submitting the inspection results to the MUI for a fatwa to be issued; and issue a halal certificate if it passes the audit. The consequences for slaughterhouses that do not implement halal product guarantees are that they will receive administrative sanctions in the form of reprimands, written warnings and revocation of halal certificates for those who already have halal certificates. The author suggests that these consequences be added in the form of slaughterhouses that do not have a halal certificate not being allowed to operate and slaughtered meat being prohibited from circulating