Analysis of The Effect of Empowering Productive Zakat Funds on Welfare of The People

AbstractZakat is one of the Islamic characteristics of the economic system, it is also one of the most effective instruments to unite humanity to help each other against the problems of poverty through respective social lives. This research was conducted to examine the effect of empowerment of Productive Zakat Funds, managed by BAZNAS, on the welfare of the people.     The use of analysis technique is Simple Regression and Hypothesis Testing using T-Statistics to test the Partial Regression coefficient with a level of significance of 5%. In addition, a Classic Assumption test that includes Normality Test, Heteroscedasticity Test, and Autocorrelation Test is also carried out. During the observation period for July 2015- December 2017, the results of the study did not find any deviation from classical assumptions, this indicates that the available data have fulfilled the requirements to use the Simple Regression Equation Model. The results of the analysis show that Productive Zakat Funds have a positive and insignificant effect on the welfare of the people as measured by the CIBEST Welfare Index, with a level of significance greater than 5%.  Keywords: Zakat, Productive, Welfare, People AbstrakZakat merupakan salah satu ciri dari sistem ekonomi Islam, Zakat adalah salah satu instrumen yang paling efektif untuk menyatukan umat manusia untuk saling membantu permasalahan kemiskinanan dalam kehidupan sosial masing-masing. Penelitian ini dilakukan untuk menguji pengaruh pemberdayaan dana zakat produktif yang dikelola oleh BAZNAS terhadap kesejahteraan umat.Teknik analisis yang digunakan adalah regresi sederhana dan uji hipotesis menggunakan t-statistik untuk menguji koefisien regresi parsial dengan level of significance 5%. Selain itu juga dilakukan uji asumsi klasik yang meliputi uji normalitas, uji heteroskedastisitas dan uji autokorelasi.Selama periode pengamatan periode Juli 2015- Desember 2017 hasil penelitian tidak ditemukan adanya penyimpangan asumsi klasik, hal ini menunjukkan bahwa data yang tersedia telah memenuhi syarat untuk menggunakan model persamaan regresi sederhana. Dari hasil analisis menunjukkan bahwa dana zakat produktif berpengaruh positif tidak signifikan terhadap kesejahteraan umat yang diukur dengan Indeks Kesejahteraan CIBEST dengan level of significance lebih besar dari 5%. Kata Kunci: zakat, produktif, kesejahteraan, uma

Genetic Dissection of a QTL Affecting Bone Geometry.

Parameters of bone geometry such as width, length, and cross-sectional area are major determinants of bone strength. Although these traits are highly heritable, few genes influencing bone geometry have been identified. Here, we dissect a major quantitative trait locus (QTL) influencing femur size. This QTL was originally identified in an F2 cross between the C57BL/6J-hg/hg (HG) and CAST/EiJ strains and was referred to as femur length in high growth mice 2 (Feml2). Feml2 was located on chromosome (Chr.) 9 at ∼20 cM. Here, we show that the HG.CAST-(D9Mit249-D9Mit133)/Ucd congenic strain captures Feml2 In an F2 congenic cross, we fine-mapped the location of Feml2 to an ∼6 Mbp region extending from 57.3 to 63.3 Mbp on Chr. 9. We have identified candidates by mining the complete genome sequence of CAST/EiJ and through allele-specific expression (ASE) analysis of growth plates in C57BL/6J × CAST/EiJ F1 hybrids. Interestingly, we also find that the refined location of Feml2 overlaps a cluster of six independent genome-wide associations for human height. This work provides the foundation for the identification of novel genes affecting bone geometry

Allocation of attention in familiar and unfamiliar traffic scenarios

Increased travel worldwide has led to an escalation of road traffic accidents, particularly among tourists driving in unfamiliar, opposite traffic flow driving scenarios. Ability to allocate attention to driving-relevant information and regions is predicted to be the main cause of tourist accidents, with a lack of attention directed to areas of space that are inhibited in familiar traffic conventions but relevant in overseas driving. This study investigated the influence of habit and expectancy on driver behaviour and allocation of attention in familiar (left-hand traffic; LHT) and unfamiliar (right-hand traffic; RHT) contexts. Twenty-eight drivers from the UK were presented with video clips of driving taken in the UK and in Poland and asked to judge whether it was safe to enter a roundabout in each clip. Half were given information about differences in LHT and RHT situations prior to the task. Judgement performance was not influenced by this information, however accuracy was higher for LHT and the RHT task was rated more difficult, supporting the notion that driving in unfamiliar surroundings is more effortful. In LHT both groups made more fixations to the right side of each roundabout, however in RHT, whilst the control group allocated attention in the same way, the intervention group made significantly more fixations to the left. Pre-drive preparatory information can therefore increase attention to the most relevant areas of space in unfamiliar driving contexts. This has implications for drive tourism and it is suggested that such information is made more explicit to drivers

Pengaruh Quick Ratio Dan Financing To Deposit Ratio Terhadap Return On Assets Pada PT. Bank Negara Indonesia Syariah Tahun 2016-2019

Penelitian ini bertujuan untuk mengetahui pengaruh quick ratio (QR) dan financing to deposit ratio (FDR) terhadap return on Assets (ROA) di PT Bank Negara Indonesia Syariah. Teknik analisis yang digunakan dalam penelitian ini adalah uji asumsi klasik dan regresi linear berganda. Uji asumsi klasik terdiri dari, uji normalitas, uji autokorelasi, uji heterokedastisitas, dan uji multikolinearitas. Uji statistik menggunakan uji determinasi, uji t, dan uji F. Hasil penelitian menunjukkan bahwa, quick ratio (QR) secara parsial memiliki pengaruh positif signifikan terhadap return on assets (ROA) pada PT. Bank Negara Indonesia Syariah. Financing to deposit ratio (FDR) secara parsial berpengaruh negatif tidak signifikan terhadap return on assets (ROA) pada PT. Bank Negara Indonesia Syariah. Sedangkan secara simultan berdasarkan hasil uji statistik F, variabel independen quick ratio (QR) dan financing to deposit ratio (FDR) secara bersama-sama berpengaruh signifikan terhadap variabel dependen return on assets (ROA) dengan nilai probabilitas kurang dari 0.05. Kemampuan prediksi dari kedua variabel tersebut terhadap return on assets (ROA) sebesar 13,6%, sedangkan sisanya 86.4% dipengaruhi oleh faktor lain di luar model regresi

Analisis Hasil Investasi Dana Asuransi Jiwa Syariah di Indonesia Periode 2014-2021

This paper aims to analysis the management of Islamic Life Insurance funds in Indonesia. From the OJK report, it was found that the investment returns of Sharia Life Insurance funds often experience losses, even though when viewed from the assets and investment value they have the highest interest compared to Sharia General Insurance and Sharia Reinsurance. The data in this study were obtained from OJK and the financial statements of Indonesian Sharia Insurance companies. This research uses quantitative method. The results of the study indicate that the main factor causing investment losses in Sharia Life Insurance funds is the placement of funds, which is dominated by the Capital Market sector, which accounts for 80% of the total investment. Total investment losses during the period 2014-2021 amounted to Rp.-42,713 billion. Total profit is Rp. 61,656 billion. So the total return on investment during this period is Rp. 18,943 billion of the total investment of Rp. 2.485 trillion or only 1%. The solution is that Sharia Life Insurance companies need to look for alternative financing sectors other than the Capital Market

Pengaruh Latihan Kebugaran Jasmani terhadap Kemampuan Teknik Dasar Shooting Permainan Sepakbola Siswa Sekolah Menengah Pertama

Abstract This study aims to improve shooting ability by treating physical fitness tests. This study used an experimental method using a one-group pretest-posttest design. The research was conducted to practice shooting skills in soccer games. The research subjects were junior high school students with 16 students consisting of 6 boys and 10 girls with an average age of 15 years. The purposive sample was used as a data collection technique and analyzed using quantitative description and surgical test. The results show that the shooting ability of junior high school students has increased. There was an increase because physical fitness was able to stimulate students to be active in shooting soccer games. In conclusion, there is an effect of physical fitness training on the basic technical skills of shooting soccer games for junior high school students. Keywords: , Junior high school, Physical Fitness, Shootin

Peranan Bank Syariah Indonesia dalam Memajukan Sektor Industri Makanan Halal

This research aims to determine the role of Indonesian Sharia Banking in advancing the halal food industry in Indonesia and determine the types of financing products used. This research is descriptive qualitative in nature, the data sources the author uses are primary and secondary data. Data collection was carried out by means of observation, interviews, literature study and documentation. The results of this research show that Bank Syariah Indonesia plays a role in developing the halal food industry in Indonesia through; (a) KUR financing products, namely BSI KUR Micro and BSI KUR Small. This funding also supports the development of halal food businesses for micro-entrepreneurs in the Tangerang Balaraja area. (b) Human Resources Development. These two products play a crucial role in advancing the halal food industry in the area and contributing to improving the economy of their customers. However, BSI KCP Tangerang Balaraja needs to supervise the use of financing so that it is actually used for business capital needs and not for consumtive needs

Pengaruh Fasilitas Layanan Internet Banking Dan Mobile Banking Terhadap Kepuasan Nasabah Bank Syariah Indonesia Kantor Cabang Tangerang

This research aims to determine the effect of internet banking and mobile banking service facilities on customer satisfaction at Indonesia Islamic Bank Tangerang branch office. This type of research is field research with a quantitative, the data collection technique used in this research is the questionnaire data collection method. The population in this study were 500 customers using internet banking and mobile banking, and the sample in this study was 85 respondents using random sampling. The results showed that based on the partial t test, there is a significant effect of internet banking service facilities on customer satisfaction and has a positive relationship. And there is a significant effect of mobile banking on customer satisfaction and has a positive relationship. And based on the simultaneous F test, there is a significant effect of internet banking and mobile banking service facilities on customer satisfaction with an F count of 128.777 with a significance value of F of 0.000. And based on the R test determination of 75.9% the ability of the independent variables to explain the variance of the dependent variable