Penerapan akad qardh pada produk tabungan di koperasi insan mandiri syariah kota Palangka Raya

Lembaga Keuangan Syariah (LKS) Bank dan Non-Bank umumnya menggunakan akad qardh pada produk pembiayaan. Namun, menjadi tidak lazim ketika Koperasi Insan Mandiri Syariah menggunakan akad qardh dalam produk tabungan. Dalam Undang-undang No. 91 Tahun 2004 tentang Perkoperasian menyebutkan bahwa tabungan dan simpanan memungkinkan untuk dikembangkan yang esensinya tidak menyimpang dari prinsip wadi’ah dan mudharabah sesuai dengan kepentingan dan manfaat yang diperoleh selama tidak bertentangan dengan syariah, dengan merujuk pada fatwa DSN-MUI. Sedangkan Undang-undang Nomor 21 Tahun 2008 tentang perbankan syariah yang menyatakan boleh menggunakan akad lain selain akad wadi’ah dan mudharabah selama tidak bertentangan dengan prinsip syariah. Sehingga, perlu ditelusuri (1) Latar belakang pihak koperasi menggunakan akad qardh pada produk tabungan, (2) Penerapan akad qardh pada produk tabungan, dan (3) Tinjauan Ekonomi Islam terhadap penggunaan akad qardh pada produk tabungan Koperasi Insan Mandiri Syariah Kota Palangka Raya. Penelitian ini menggunakan jenis penelitian lapangan atau field research dengan pendekatan kualitatif deskriptif. Subjek penelitian adalah ketua, manager dan administrasi (pengurus) Koperasi Insan Mandiri Syariah, yang menjadi informan adalah anggota koperasi dan perwakilan dinas koperasi kota Palangka Raya. Teknik pengumpulan data dilakukan dengan observasi, wawancara, dan dokumentasi. Pengabsahan data menggunakan triangulasi sumber. Analisis data menggunakan empat komponen yaitu pengumpulan data, merangkum data, penyajian data, dan menarik kesimpulan. Hasil penelitian menunjukkan bahwa latar belakang penggunaan akad qardh pada produk tabungan di koperasi, karena pihak koperasi memahami akad wadi’ah sebagai titipan murni (wadi’ah yad amanah). Pihak koperasi tidak mengenal istilah akad wadi’ah yad dhamanah. Koperasi juga menyakini pendapat empat mazhab yang menyatakan wadi’ah harus amanah. Penerapan akad qardh pada produk tabungan secara implementasi sudah sesuai karena tidak ada keuntungan yang diperjanjikan, anggota koperasi dapat mengambil uang simpanan sewaktu-waktu dan pihak koperasi tidak membebankan biaya administrasi. Tinjauan ekonomi Islam terhadap penggunaan akad qardh pada produk tabungan dalam Al-Qur’an, Hadis, Ijma, akad qardh khusus untuk produk penyaluran dana. Terkait fatwa DSN-MUI menyebutkan akad qardh khusus produk penyaluran dana, hanya terkait posisi kreditur dan debitur, dalam hal ini anggota menjadi kreditur dan pihak koperasi menjadi debitur. Peneliti melihat di Undang-undang perbankan syariah yang menyatakan boleh menggunakan akad lain selain akad wadi’ah dan mudharabah selama tidak bertentangan dengan prinsip syariah. ABSTRACT Sharia Financial Institutions (LKS) Banks and Non-Banks generally use qardh agreements on financing products. However, it became unusual when the Islamic Independent Insan Cooperative used qardh agreements in savings products. In Law No. 91 of 2004 on Operations states that savings and deposits allow to be developed that essentially do not deviate from wadi'ah and mudharabah principles in accordance with the interests and benefits obtained as long as it is not contrary to Sharia, by referring to the fatwa of DSN-MUI. Meanwhile, Law No. 21 of 2008 on Sharia banking states that can use a contract other than wadi'ah and mudharabah agreement as long as it is not contrary to sharia principles. Thus, it is necessary to trace (1) the background of the cooperative using the qardh agreement on savings products, (2) the application of qardh agreements on savings products, and (3) the Islamic Economic Review of the use of qardh agreements on the savings products of the Insan Mandi Cooperative. This research uses a type of field research or field research with a descriptive qualitative approach. The subject of the study was the chairman, manager and administration (manager) of The Independent Sharia Cooperative, who became an informant is a member of the cooperative and representative of the cooperative office of Palangka Raya city. Data collection techniques are carried out with observations, interviews, and documentation. Data allocation uses source triangulation. Data analysis uses four components: data collection, summarizing data, presenting data, and drawing conclusions. The results showed that the background of the use of qardh agreements on savings products in cooperatives, because the cooperative understands wadi'ah agreement as a pure nursery (wadi'ah yad amanah). The cooperative does not know the term wadi'ah yad dhamanah. The cooperative also believes the opinion of the four sects that state wadi'ah should be a mandate. The implementation of qardh contract on savings products is appropriate because there are no promised benefits, cooperative members can take deposits at any time and the cooperative does not charge administrative fees. The Islamic economic review of the use of qardh agreements on savings products in the Qur'an, Hadith, Ijma, qardh agreement specifically for the distribution of funds. Related to the fatwa DSN-MUI mentions qardh's special agreement for the distribution of funds, only related to the position of creditors and debtors, in this case members become creditors and cooperatives become debtors. Researchers looked at sharia banking laws that state that it is permissable to use a contract other than wadi'ah and mudharabah agreements as long as it is not contrary to sharia principles

Analysis of needs for the development of trainer sensor and transducer learning media based on Internet of Things (IoT)

The purpose of this study was to analyze the needs of students and teachers in developing a learning media in the form of a trainer to support the sensor and transducer practicum process during the Covid-19 Pandemic. This type of research is quantitative research with descriptive statistical analysis techniques. Data were collected through questionnaires distributed online to 75 respondents, including productive electronic engineering and electrical engineering teachers at SMK Negeri 2 and SMK Negeri 10 Makassar and their students. In addition, there were also respondents from electronic engineering students at the two schools. This study indicates that facilities and infrastructure in schools are in the high category with a percentage of 64%. Learning conditions during the Covid-19 Pandemic based on data from respondents are in the medium category with a percentage of 67%. The level of need for IoT-based sensor trainer learning media to support distance learning at SMK Negeri 2 Makassar and SMK Negeri 10 Makassar is in the high category with a percentage of 72%. Based on this value, it can be concluded that practicum facilities are needed in the form of IoT-based sensors and transducer trainers that can be used as alternative learning during the Covid-19 Pandemic. It is hoped that the teachers can adjust learning tools according to pandemic conditions so that the implementation of the learning process can run smoothly

Peran Teknologi Pendidikan dalam Implementasi Kurikulum Merdeka

Kurikulum memiliki posisi yang sangat strategis dan berfungsi sebagai penjabaran dari visi, misi, dan tujuan pendidikan pada instansi pendidikan. Tujuan penelitian ini adalah untuk menganalisis peran teknologi pendidikan dalam implementasi kurikulum merdeka. Metode yang digunakan dalam penelitian kualitatif dengan studi pustakan atau System Literature Review (SLR). Tujuannya adalah untuk menganalisis perbandingan teori-teori yang ada dengan teori-teori sebelumnya dalam literatur penelitian. Literatur yang digunakan adalah literatur dari hasil penelitian atau kajian yang disajikan dalam artikel ilmiah. Semua artikel yang digunakan bersumber dari mesin pencari literasi data elektronik Mendeley dan Google Scholar. Hasil penelitian menunjukkan bahwa peran teknologi pendidikan dalam kurikulum merdeka sangat memberikan pengaruh yang positif dalam mengaplikasikan dan mengimplementasikan teknologi dalam konsep merdeka belajar secara nyata

Application Of Problem-Posing Learning Model On Electrical Engineering Subject In SMK 2 Makassar

Abstract: The purpose of this study was to determine: (1) how high is the learning motivation of student with the application of problem posing learning model, (2) how big is the learning outcomes of students with problem posing learning model application , (3) the effect of the application of problem posing learning model on motivation of students, (4) the effect of the application of problem posing learning models on the learning outcomes of students. This type of research using a quasiexperimental, with research subjects is consist of 54 students. Data were collected through questionnaires and achievement test and analysed using t-test. The results of this study indicate that: (1) The motivation study of students with learning model application 'problem-posing' higher than conventional learning models. (2) The results of student learning with learning model application problem posing better than conventional learning models. (3) There is the effect of the application of problem posing learning models to motivate student learning. (4) There is the effect of the application of problems posing learning models to the learning outcomes of students

Pengaruh Kepemimpinan Kepala Sekolah Terhadap Kinerja Guru SMK Negeri di Kabupaten Pangkajene Kepulauan

Kinerja guru mencerminkan performance seorang guru dalam melaksanakan tugasnya untuk mencapai tujuan pendidikan. Kepemimpinan kepala sekolah merupakan salah satu faktor yang dapat mempengaruhi kinerja guru. Tujuan penelitian ini untuk mengetahui pengaruh kepemimpinan kepala sekolah terhadap kinerja guru. Penelitian ini menggunakan pendekatan kuantitatif non ekperimen dengan populasi seluruh guru PNS dan Kepala Sekolah SMK yang ada di Kabupaten Pangkajene Kepulauan dengan jumlah 170 guru dan 7 orang Kepala sekolah. Data dikumpulkan dengan menggunkan angket dan dianalisis dengan menggunakan anlisis regresi sederhana. Hasil penelitian menunjukkan kepemimpinan Kepala Sekolah berada pada kategori baik 61,90%. Dengan analisis regresi sederhana diketahui, terdapat pengaruh postif dan signifikan antara kepemimpinan kepala sekolah terhadap kinerja guru SMK Negeri di Kabupaten Pangkep sebesar 6,5%. Keywords: Kepala Sekolah, Kepemimpinan, Kinerja Guru

Supramolecular Cocrystals : Synthesis, Structural Characterizations And Theoretical Studies

In this research work, nineteen novel cocrystals of various carboxylic acids and bases have been investigated using spectroscopic methods such as powder and single crystal X-ray Crystallography, Infrared (FT-IR) and Nuclear Magnetic Resonance (NMR). The theoretical calculations of the cocrystals were performed using Density Functional Theory (DFT) method and Hirshfeld Surfaces analysis. Generally, the DFT and experimental results are comparable to each other except for the conformational difference around the carboxyl groups. Spectroscopic properties of the cocrystals were examined by FT-IR and NMR. Apart from the pKa values prediction, single crystal and powder X-ray diffractions show that all the samples are cocrystals

Strategi Penguatan Pendidikan Karakter Dalam Pembelajaran Berbasis Moda Daring

Character education is very important for individuals to be instilled early on. It is the accuracy of character education that will determine the results. In online mode-based learning, distance learning must have various learning strategies and appropriate reinforcement that can maintain student character in following the learning process. This study aims to determine the strategies used in strengthening character education in online mode-based learning. This research uses a descriptive qualitative approach. Data collection techniques through observation and literature study. The results of this study indicate that the strategy of strengthening character education in online mode-based learning is a series of activities that need to be carried out in improving the quality or quality of education. In improving the quality of education, it must be done with a strategy of choosing a good teaching method that is relevant to the current situation. The strategy designed is made with something active, innovative, creative, and fun and motivates students to stay active in online mode-based learning. Strategies like this can also help students from their psychological conditions because students feel bored with online learning at home with repeated and continuous time

Water Washing Pretreatment On Empty Fruit Bunches Of Oil Palm Waste

The water washing pretreatment on empty fruit bunches (EFB) of oil palm waste has been investigated in this study, with the objective of removing some ash from the EFB to improve the quality of biomass. This study also investigated the effectiveness of water washing to remove ash by changing the appropriate parameters of the water washing pretreatment such as residence time, amount of water, type of water and use of soaking and stirring. Tap water and distilled water were solely used throughout the work

Family Support And The Emotional Response Of Diabetes Mellitus Patients In The Internal Medicine Specialist Clinic At Delta Surya Hospital, Sidoarjo

Diabetes mellitus has psychological impacts such as stress or anxiety, so that they need their families' supports to make the patients' emotional responses good. The objective of this research was to know the relationship between the families' supports and the diabetes mellitus patients' emotional responses in Internal Diseases Clinics Chamber of Delta Surya Sidoarjo Hospital Sidoarjo City. The design of this research was correlational analytics with a cross-sectional approach. The population was 304 diabetes mellitus patients, and 61 respondents were taken as samples by accidental sampling technique. The independent variable was the families' supports and the dependent one was the diabetes mellitus patients' emotional responses. The independent and dependent variable data were obtained from questionnaires, and analyzed with Spearman Rank Test with Mean value p < 0.05. The research results were 33 respondents (54.1%) had good families' supports, and 37 respondents (60.7%) had good emotional responses. There was a relationship between the families' supports and the diabetes mellitus patients' emotional responses (Spearman Rank, p value = 0.000 < ? 0.05). The relation level was high and positive (Correlation Coefficient: 0.610). The conclusion was there was a relationship between the families' supports and the diabetes mellitus patients' emotional responses, where the better the families' supports the better the patients' emotional responses. The research recommends that family members maintain and continue to give full support to patients