Islamic Studies Dalam Pendekatan Multidisipliner (Suatu Kajian Gradual Menuju Paradigma Global)

Education is a vicious circle phenomenon, which we can not go out with just rely on one approach is diachronic. Moreover, the Islamic education that still has a serious problem faced by most of the drafter of Islamic education is the ability to understand the low level of Islamic education as a “science” and Islamic education as an “educational institution”. The existence of Islamic education and also should be able to provide a solution to various problems and development needs of the people. Thus, finding new formats in the dynamics of Islamic education is a necessity to help humanity. Here the author tries to describe Islamic education with a combination approach that the synchronic diachronic history of the social sciences, namely sociology and anthropology to bring its characteristics and also the characters. As well as the last author tries to provide an alternative-solution-based approach should be used to study the future of Islamic education

A new gender-specific model for skin autofluorescence risk stratification

Advanced glycation endproducts (AGEs) are believed to play a significant role in the pathophysiology of a variety of diseases including diabetes and cardiovascular diseases. Non-invasive skin autofluorescence (SAF) measurement serves as a proxy for tissue accumulation of AGEs. We assessed reference SAF and skin reflectance (SR) values in a Saudi population (n = 1,999) and evaluated the existing risk stratification scale. The mean SAF of the study cohort was 2.06 (SD = 0.57) arbitrary units (AU), which is considerably higher than the values reported for other populations. We show a previously unreported and significant difference in SAF values between men and women, with median (range) values of 1.77 AU (0.79–4.84 AU) and 2.20 AU (0.75–4.59 AU) respectively (p-value « 0.01). Age, presence of diabetes and BMI were the most influential variables in determining SAF values in men, whilst in female participants, SR was also highly correlated with SAF. Diabetes, hypertension and obesity all showed strong association with SAF, particularly when gender differences were taken into account. We propose an adjusted, gender-specific disease risk stratification scheme for Middle Eastern populations. SAF is a potentially valuable clinical screening tool for cardiovascular risk assessment but risk scores should take gender and ethnicity into consideration for accurate diagnosis

HIWALAH DAN APLIKASINYA DALAM PRODUK BAI' AL-ISTISHNA' DI BANK SYARIAH

Hiwalah adalah pemindahan piutang dari tanggung jawab seseorang menjaditanggung jawab orang lain. Prinsip hiwalah diaplikasikan di bank syariah dalambentuk produk bai' al-istishna dan bai' al-salam. Produk bai' al-istishna merupakanmekanisme pertanggungan piutang oleh pihak bank syariah kepada pihak nasabahyang memiliki tanggungan utang atas pembiayaan proyek-proyek fisik. Bank syariahakan memperoleh keuntungan berdasarkan bagi hasil keuntungan dari proyek yangdikerjakan oleh pihak nasabah. Sedangkan produk bai' al-salam merupakanmekanisme pertanggungan piutang oleh pihak bank syariah kepada pihak nasabahyang melakukan suatu transaksi jual beli tidak secara tunai. Faktor-faktor pendukungpengembangan prinsip hiwalah dalam produk bai' al-istishna dan bai' al-salam dibank syariah adalah kinerja positif seluruh pimpinan, staf dan karyawan bank syariahmemiliki komitmen kuat terhadap pengembangan ekonomi syariah, kemampuanmanajerial yang baik, dan sikap mental (kejujuran) serta amanah untuk melayananmasyarakat sebaik-baiknya. Sedangkan faktor penghambatnya adalah masihrendahnya tingkat pemahaman masyarakat terhadap bank syariah, kurangnyasosialisasi hiwalah dalam produk bai' al-istishna dan bai' al-salam, masih lemahnyajaringan perbankan syariah dengan bank-bank lain serta belum optimalnya fasilitaspelayanan sistem jaringon antar bank online

Analisis Manajemen Risiko Perbankan Dalam Meminimalisir Kredit Bermasalah Di Bidang Kredit Modal Kerja (Studi Pada PT Bank Rakyat Indonesia (Persero) Tbk. Cabang Jombang)

The purpose of this research is to determine process of risk management to minimize non performing loan of working capital credit in PT Bank Rakyat Indonesia (Persero) Tbk. Jombang. The methods of research is descriptive methods with qualitative approach. The result of research showed that PT Bank Rakyat Indonesia (Persero) Tbk. Cabang Jombang has properly implemented risk management wich include: active surveillance by commissioners and directors, policies, procedures, and credit limitation, the process of identification, monitoring and credit risk management information systems, and credit risk controlling. The risk measurement is not appropriate with SE BI No. 11/25/PBI2009 about change of Form Letter No. 5/8/PBI/2003 about appliance of Risk Management for commercial bank. NPL bank for 3 years had fluctuating, in 2012 the percentage of NPL is 2,56% in 2013 the percentage is 1,46%, and in 2014 the percentage is 2,49%. Thia research suggests the bank to increased the risk management strategy, increasing credit risk measurement methods and improve the process of credit monitoring

Pengaruh Financial Leverage Terhadap Profitabilitas Perusahaan (Studi Pada Perusahaan Manufaktur Sektor Aneka Industri Sub Sektor Otomotif Dan Komponen Yang Terdaftar Di Bei Periode 2012-2014)

Research was conducted to determine the ability of company to obtain a high profitability by using debt. Research has been done at manufacturing companies various industry sectors automotives and components sub-sectors listed in Indonesia Stock Exchange period 2012-2014. The method used is an explanatory research with quantitative methods. The sampling technique used purposive sampling of the 17 companies listed in Indonesia Stock Exchange acquired 12 companies sampled. This research was used three independent variables and one dependent variable. Independent variable used are Degree of Financial Leverage (DFL), Debt to Equity Ratio (DER), and Time Interest Earned Ratio (TIER). Dependent variable used Return on Equity (ROE). Data analysis used descriptive statistic analysis, inferential statistic analysis, hypothesis test, and determinant coefficient with software IBM Statistic ver.23 for Windows. Based on the simultaneous testing (F-test) found that the financial leverage variable DFL, DER, and TIER has significant effect on profitability variable of ROE. Partially using t-test showed that only variable DER has significant effect of ROE. The result were adjusted determinant coefficient of 0,632 means that variable DFL, DER, and TIER able to influence ROE of 63,2%, while the remaining 36,8% is explained by other variables outside the research. Companies that used debt should be more cautions and effective in order to increase ROE. Keyword : Financial Leverage, Degree of Financial Leverage (DFL), Debt to Equity Ratio (DER), Time Interest Earned Ratio (TIER), Return on Equity (ROE

Molecular research on the genetic diversity of Tunisian date palm (Phoenix dactylifera L.) using the random amplified microsatellite polymorphism (RAMPO) and amplified fragment length polymorphism (AFLP) methods

The genetic diversity organization and evaluation of relationships within Tunisian date-palm cultivars were assessed using the random amplified microsatellite polymorphism (RAMPO) and amplified fragment length polymorphism (AFLP) methods. 18 combinations of random/ISSR primers and six AFLP primers combinations were tested with DNAs isolated from 40 date-palm cultivars. Our results show that using both markers systems, the Tunisian date-palm germplasm is characterized by a large and continuous genetic diversity. In addition, due to the greater number of markers per assay, the AFLP technique seems to be more informative than the RAMPO method. In fact, 186 and 428 polymorphic bands were detected using RAMPO and AFLP primers, respectively. Moreover, AFLP markers were found most polymorphic with the highest average PIC value (0.7) and marker index (50.54). In addition, independent as well as combined analyses of the cluster analyses of the RAMPO and AFLP fragments showed that cultivars are clustered independently from the sex of trees or else their geographical origin. On the other hand, based on Pearson and Spearman correlation between RAMPO and AFLP distance, matrices were positive and highly significant. This result indicates good congruence between these two molecular markers. The opportunity of the designed methods is discussed with the molecular characterization of genotypes in order to enhance the conservation and the improvement of the local date-palm germplasm.Key words: Phoenix dactylifera, genetic diversity, random amplified microsatellite polymorphism (RAMPO), amplified fragment length polymorphism (AFLP), Tunisian

Drinking patterns: biochemical and haematological findings in alcohol consumers in Ile-Ife, Nigeria

Effect of drinking patterns on biochemical and haematological parameters was conducted on 200 Nigerian men, categorized into non-drinkers (control), occasional, moderate and heavy drinkers, using standard techniques. Their ages ranged between 20 and 57 years. The values obtained for occasionaland moderate drinkers showed no significant difference (p > 0.05) from those of non-drinkers based on their biochemical and haematological parameters. However, there was significant difference (p < 0. 05) in the values obtained for heavy drinkers and those of other categories. This study showed thatoccasional and moderate drinking had no effect on biochemical and haematological parameters while heavy drinking had some effect. Some of the results in conjunction with the clinical history would also be useful in diagnosing and management of alcoholics

HIWALAH DAN APLIKASINYA DALAM PRODUK BAI' AL-ISTISHNA' DI BANK SYARIAH

Hiwalah adalah pemindahan piutang dari tanggung jawab seseorang menjadi tanggung jawab orang lain. Prinsip hiwalah diaplikasikan di bank syariah dalam bentuk produk bai' al-istishna dan bai' al-salam. Produk bai' al-istishna merupakan mekanisme pertanggungan piutang oleh pihak bank syariah kepada pihak nasabah yang memiliki tanggungan utang atas pembiayaan proyek-proyek fisik. Bank syariah akan memperoleh keuntungan berdasarkan bagi hasil keuntungan dari proyek yang dikerjakan oleh pihak nasabah. Sedangkan produk bai' al-salam merupakan mekanisme pertanggungan piutang oleh pihak bank syariah kepada pihak nasabah yang melakukan suatu transaksi jual beli tidak secara tunai. Faktor-faktor pendukung pengembangan prinsip hiwalah dalam produk bai' al-istishna dan bai' al-salam di bank syariah adalah kinerja positif seluruh pimpinan, staf dan karyawan bank syariah memiliki komitmen kuat terhadap pengembangan ekonomi syariah, kemampuan manajerial yang baik, dan sikap mental (kejujuran) serta amanah untuk melayanan masyarakat sebaik-baiknya. Sedangkan faktor penghambatnya adalah masih rendahnya tingkat pemahaman masyarakat terhadap bank syariah, kurangnya sosialisasi hiwalah dalam produk bai' al-istishna dan bai' al-salam, masih lemahnya jaringan perbankan syariah dengan bank-bank lain serta belum optimalnya fasilitas pelayanan sistem jaringon antar bank online