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All Journal Jurnal Manajemen dan Agribisnis Jurnal Jurusan Ilmu Keolahragaan Dinar : Jurnal Prodi Ekonomi Syariah USRAH: Jurnal Hukum Keluarga Islam Asian Journal of Community Services (AJCS) JURNAL TEKNIK INDUSTRI INTERNATIONAL JOURNAL OF SOCIETY REVIEWS (INJOSER)
Syamsul Ma'arif
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Religion Agriculture, Biological Sciences & Forestry Computer Science & IT Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences

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Penyelesaian Pembiayaan Bermasalah Perbankan Syariah Berdasarkan Manajemen Resiko Syamsul Ma'arif
Dinar : Jurnal Prodi Ekonomi Syariah Vol 2 No 1 (2018): September
Publisher : el Hakim Press

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Abstraksi Bank sebagai intermediary institution memiliki tugas menghimpun dan menyalurkan dana dari pihak yang menyimpan dana kepada pihak yang membutuhkan dana. Pembiayaan yang dilakukan sector perbankan tidak semua berjalan lancar. Ada pembiayaan bermasalah yang memerlukan penyelesaian khusus, diantaranya berdasarkan tingkat resiko pembiayaan. Banyaknya bank yang menyalurkan pembiayaan kepada UMKM berarti akan lebih banyak sektor riil yang dapat menyerap pembiayaan. Pembiayaan sebagai salah satu sumber pemasukan terbesar bagi bank, maka bank harus bijak dalam menentukan tingkat margin fee dan  bagi hasil yang ditetapkan baik untuk tingkat margin pendanaan maupun margin simpanan. Selain itu, tingkat keuntungan yang dihasilkan oleh bank akan terkait dengan keseimbangan jumlah dana yang mampu dihimpun dan jumlah dana yang mampu disalurkan. Beragam risiko mulai bermunculan, salah satunya adalah risiko mengenai kelancaran pengembalian pembiayaan oleh debitur yang mengakibatkan semakin naiknya NPL atau suatu keadaan dimana pembiayaan yang diberikan kepada nasabah pembayarannya tersendat-sendat, sulit untuk memperoleh pelunasan, bahkan tidak dapat ditagih. Sehingga pembiayaan semacam ini dapat mempengaruhi pendapatan atau keuntungan bank. Terjadinya keterlambatan pengembalian cicilan pembiayaan dari debitur ini dikarenakan belum optimalnya UMKM seperti kurangnya manajemen keuangan dan operasional pengusaha, dalam mewujudkan peran dan kemampuannya serta banyaknya hambatan dan kendala baik dari faktor internal maupun faktor eksternal. Termasuk pada pembiayaan yang diberikan bank kepada nasabah untuk memberi tambahan modal kepada nasabah dengan imbalan bagi hasil sesuai dengan yang telah disepakati oleh pihak bank dan nasabah. Kata kunci: Pembiayaan bermasalah, perbankan syariah, manajemen resiko  
PEMBANGUNAN PERDESAAN BERKELANJUTAN MELALUI MODEL PENGEMBANGAN AGROPOLITAN Sugimin Pranoto; Syamsul Ma'arif; Surjono H. Sutjahjo; Hermanto Siregar
Jurnal Manajemen & Agribisnis Vol. 3 No. 1 (2006): Vol. 3 No. 1 Maret 2006
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (216.604 KB) | DOI: 10.17358/jma.3.1.45-53

Abstract

The development implemented throughoutall this time still reveals an unbalanced development between the urban andrural area. This has occured due to the development policy that is lessfavorable toward the development of rural areas causing various  problems of imbalances (inequalities) ofwelfares among the regions. In addition, the failures of development in therural areas have caused backwash effect, and the domination of capital marketand welfares have been mostly possesed by the urban dwellers. The conditionof  rural communities have become moredeteriorated, poorer, and the level of unemployment becoming higher. Thedevelopment of agropolitan (agro-based area development) is expected to providepositive impact in the effort to empowering the rural community, reducingpoverty, and supporting rural economic activities that are environmentallyoriented. This study aims to develop a sustainable rural policy through theagropolitan development model, based on regional analysis, insitutional analysis(ISM), and dynamic system. The agropolitan development is relatively able toimprove the income per capita of the rural population. Dynamic system analysisshowed that the agropolitan model follows the basic pattern of Archetype Limitto Success, with production growth as a leverage factor of the dynamic model.Thus, the policy orientation to improve people's welfare is a policy that ableto improve the quantity and quality of products in a sustainable manner. Theresult of analysis of institutional aspect showed key factors that supportsuccessful agropolitan development which are skilled human resources, businesspartnership and marketing, and the performance of institutions that provideinput. The major constraints faced are small size land ownership and productiveagriculture land conversion, extension services agencies that are not yeteffective, low quality of human resources, business behavior change not easy,and low support of capital institution.
ANALISIS PENGARUH EFEKTIVITAS SISTEM PENILAIAN KINERJA TERHADAP MOTIVASI KERJA, KEPUASAN KERJA DAN KINERJA KARYAWAN PT COATS REJO INDONESIA Ratih Maria Dhewi; Syamsul Ma'arif
Jurnal Manajemen & Agribisnis Vol. 3 No. 1 (2006): Vol. 3 No. 1 Maret 2006
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1011.084 KB) | DOI: 10.17358/jma.3.1.1-17

Abstract

This study shows that dimension ofacceptability has the higher contribution followed by dimension of sensitivity,relevance and reliability. In contrast, dimension of practicality has thelowest contribution to motivation, work satisfaction and work performance. Furthermore,the company has not yet been able to comply with the employee's expectations ofpracticality used in conducting performance appraisal system. In other words,further evaluation of performance appraisal system emphasizing on practicalityfactors is required; keep manage and evaluate from the priority dimensionsof  acceptability, sensitivity, relevanceand reliability. These steps will lead to a condition of satisfactory to theexpectation of both the company and the employees; high work performance as aresult of highly motivated and work satisfaction employees. Keywords: effectiveness, Structural Equation Modeling, performance appraisal, motivation, employee
IMITASI PROSES PEMANFAATAN LIMBAH KAKAO PENDUKUNG STRATEGI INOVASI PENGEMBANGAN PRODUK HILIR AGROINDUSTRI KAKAO Siti Aisyah; Syamsul Ma'arif; Arkerman Y
JURNAL TEKNIK INDUSTRI Vol. 4 No. 3 (2014): Volume 4 No. 3 November 2014
Publisher : Jurusan Teknik Industri, Fakultas Teknologi Indusri Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (128.312 KB) | DOI: 10.25105/jti.v4i3.78

Abstract

Siapa yang tidak suka cokelat, semua lapisan baik anak-anak maupun orang dewasa pada umumnya pengemar makanan maupun minuman dari cokelat. Cokelat berasal dari olahan tanaman kakao. Begitu besar permintaan dunia akan produk olahan kakao. Indonesia yang memiliki luas perkebunan kakao yang cukup luas dan menjadi pengekspor ke 3 dunia setelah pantai gading dan gana, memiliki peluang yang cukup besar untuk mengembangkan agroindustri kakao. Salah satu dampak dari berkembangnya industri adalah limbah. Di zaman yang maju ini limbah sudah banyak dimanfaatkan dan dapat menghasilkan banyak keuntungan baik penambahan pendapatan maupun tidak merusak lingkungan. Dalam industri kakao salah satu strategi inovasi yang akan dilakukanadalah mengembangkan industri nata de cacao, yang merupakan inovasi tiruan (imitasi) produk ataupun proses pengolahan limbah kakao menjadi produk nata. Teknologi dan proses dalam pembuatan nata de cacao sangatlah sederhana dan mudah sehingga bisa dilakukan pada industrikecil, menengah maupun industri besar. Sehingga Indonesia tidak perlu mengekspor biji kakao mentah lagi namun dapat mengekspor produk hilir (end product) hasil olahan kakao. Bila hal ini dapat didukung oleh seluruh elemen yang ada khususnya pemerintah, maka industri kakao Indonesia akan menjadi market leader kakao dunia.
YOGHURT SUSU JAGUNG MANIS KACANG HIJAU SEBAGAI STRATEGI INOVASI PRODUK ALTERNATIF PANGAN FUNGSIONAL Julfi Restu Amelia; Syamsul Ma'arif; Yandra Arkeman
JURNAL TEKNIK INDUSTRI Vol. 4 No. 3 (2014): Volume 4 No. 3 November 2014
Publisher : Jurusan Teknik Industri, Fakultas Teknologi Indusri Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (98.022 KB) | DOI: 10.25105/jti.v4i3.92

Abstract

Semakin tingginya kesadaran akan kesehatan telah membawa perubahan tuntutan masyarakat yang menginginkan produk pangan yang akan dikonsumsi tidak hanya bergizi dan aman, tetapi juga dapat memberikan dampak bagi kesehatan (panganfungsional). Salah satu produk pangan fungsional adalah yoghurt. Yoghurt yang sudah ada di pasar saat ini harganya dinilai cukup mahal sehingga tidak terjangkau oleh kebanyakan masyarakat karena berbahan dasar susu sapi. Oleh karena itu, inovasi produk yoghurt berbahan dasar nabati dapat menjadi solusi alternatif dalam menyediakan pangan fungsional yang lebih terjangkau. Salah satu bahan nabati yang berpotensi digunakan dalam pembuatan yoghurt adalah jagung manis dan kacang hijau. Kombinasi dua bahan tersebut dalam pembuatan yoghurt dapat melengkapi kandungan asam amino esensial yang tidak terdapat dalam masing-masing bahan baku. Yoghurtsusu jagung manis kacang hijau diprediksi akan mampu bersaing dengan produk minuman laktat lainnya di pasar karena memiliki kandungan asam amino yang lengkap serta didukung dengan adanya manfaat probiotik.
The Acute Effect of Imagery and Touchpad Training on Improving The Performance of Paragliding Athletes Dian Listiarini; Rian Kurniawan; Syamsul Ma'arif
Jurnal Ilmu Keolahragaan Undiksha Vol. 12 No. 2 (2024): July
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jiku.v12i2.71677

Abstract

Lack of a combination of physical and mental training results in paragliding athletes lacking focus and confidence and not getting good accuracy results. The main aim of this research is to find out about exercise parable And touchpad towards increasing the performance of paragliding athletes in accuracy numbers in Central Java. The method used is quantitative one group pre-test post-test design. The population was 14 regional paragliding athletes and the sampling technique used total sampling 14 paragliding athletes. The pre-test and post-test carry out flying accuracy 3 times with points calculated as accumulated. The research instrument is skytronik 22-centimeter diameter. The main results of the study were significant differences in points before and after exercise. The conclusion is that imagery and touchpad training can improve the performance of paragliding athletes in accuracy numbers in Central Java. The implications of this research are implications This research shows that these two methods have significant implications in improving athlete performance.
Ketimpangan Hak Dan Kewajiban Pasangan Mahasiswa Prespektif Kompilasi Hukum Islam: Studi Kasus Pasangan Suami Istri Mahasiswa Universitas Nurul Jadid Ainul Yakin; Syamsul Ma'arif
USRAH: Jurnal Hukum Keluarga Islam Vol. 6 No. 2 (2025): April
Publisher : LPPM STAI Muhammadiyah Probolinggo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46773/usrah.v6i2.1995

Abstract

This study aims to analyze the inequality in the fulfillment of rights and responsibilities in married couples who are still students, and to understand this phenomenon based on the perspective of the Compilation of Islamic Law (KHI). The background of this study is the increasing number of marriages among students, which raises challenges in balancing academic and household roles. Using a qualitative method with a descriptive approach, data were collected through interviews and observations of student couples at Nurul Jadid University. The study results show inequality where the husband focuses more on financial responsibility, while the wife is dominant in managing the household. In general, fulfilling these rights and obligations is in line with the principles in the KHI, but is not optimal, especially in the division of domestic tasks. Factors causing inequality include academic pressure, lack of social support, and cultural expectations of the roles of husband and wife. This study emphasizes the importance of building equality of rights and responsibilities to achieve household harmony. These findings provide insight into the dynamics of student couples within the framework of Islamic law and offer recommendations so that married students can carry out academic and household roles in a balanced manner.
LAW AND NEUROETHICS: CHALLENGING THE PARADIGM OF JUSTICE IN THE CONTEXT OF ADVANCES IN NEUROSCIENCES AND DECISION-MAKING TECHNOLOGIES Yuarini Wahyu Pertiwi; Enden Suryati; Hapipi Jayadi; Aida Fitriani; Syamsul Ma'arif
INTERNATIONAL JOURNAL OF SOCIETY REVIEWS Vol. 2 No. 2 (2024): FEBRUARY
Publisher : Adisam Publisher

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Abstract

This study delves into the intricate relationship between law and neuroethics, critically examining the evolving paradigm of justice in light of advancements in neurosciences and decision-making technologies. As neuroscientific technologies provide unprecedented insights into the human mind, integrating neuroscientific evidence into legal frameworks poses challenges and opportunities. Critiquing current approaches highlights limitations within existing legal systems and ethical considerations, necessitating careful reforms and adaptations. Ethical critiques by scholars and ethicists prompt reevaluating the intersection between law and neuroethics. Proposed reforms include strategies for integrating neuroethics into legal frameworks and legislative changes to address emerging ethical complexities. The discussion extends to critical areas for future research, emphasizing the need to identify unresolved questions and encourage interdisciplinary collaboration. The implications for the future underscore a shift towards a legal landscape that prioritizes ethical considerations in using neuroscientific evidence.
Introduction to Waste Processing Technology to Address Organic Waste Issues in the Baru Beach Tourism Area Syamsul Ma'arif; Ag. Eko Susetyo; Nurhadi, Nurhadi; M. Noviansyah Aridito; Esti Dwi Pujianingsih; Dinda Dwi Anggraeni; Nurul Istiqomah
Asian Journal of Community Services Vol. 2 No. 11 (2023): November 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ajcs.v2i11.7121

Abstract

Community service activities are focused on increasing understanding of organic waste management in the Baru Beach Tourism Area. The main innovation lies in delivering lectures on various waste processing technologies, especially pyrolysis technology, to the participants, including Urban Village-Owned Enterprise BUMKal Mukti Lestari, Poncosari Urban Village, and residents around Baru Beach. Evaluation of activities using questionnaire data before and after the event. The analysis showed a significant increase in participants' understanding, although the peak understanding only reached 53%. Suggestions for increasing the effectiveness of subsequent activities include developing materials, extending time, and applying interactive methods. This community service activity increased public understanding of organic waste management in the Baru Beach Tourism Area.
Co-Authors Ag. Eko Susetyo Aida Fitriani, Aida Ainul Yakin Arkerman Y Dian Listiarini Dinda Dwi Anggraeni Enden Suryati Esti Dwi Pujianingsih Hermanto Siregar Jayadi, Hapipi Julfi Restu Amelia, Julfi Restu Muhammad Noviansyah Aridito Nurhadi NURUL ISTIQOMAH Ratih Maria Dhewi Rian Kurniawan Siti Aisyah Sugimin Pranoto Surjono H. Sutjahjo Yandra Arkeman Yuarini Wahyu Pertiwi