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AKAD MUDHARABAH PADA PRODUK TABUNGAN HAJI DI BSI KCP PANORAMA BENGKULU : FAKTOR PENDUKUNG & PENGHAMBAT Ardian Pramesti Vita Mayang Sari; Romi Adetio Setiawan; Makmur
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 02 (2026): Volume 11 No. 2, Juni 2026 Release
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i02.47635

Abstract

This study aims to analyze the implementation of the mudharabah contract in the hajj savings product at Bank Syariah Indonesia (BSI) KCP Panorama Bengkulu and to identify the supporting factors, inhibiting factors, and customers’ perceptions regarding transparency and fairness in the mudharabah contract. This research employed a qualitative approach with a descriptive research design. Data collection techniques included in-depth interviews, observation, and documentation. The informants consisted of the Branch Operations & Service Manager (BOSM), Customer Service (CS), and five hajj savings customers. Data analysis was conducted using the Miles and Huberman model through data reduction, data display, and conclusion drawing. The results indicate that the implementation of the mudharabah contract in the hajj savings product at BSI KCP Panorama Bengkulu has been carried out in accordance with Islamic economic principles. The contract applied is mudharabah muthlaqah, where customers act as shahibul maal and the bank acts as mudharib. The profit-sharing system is implemented based on a predetermined ratio agreed upon at the beginning of the contract. Supporting factors include the high public interest in performing the hajj pilgrimage, a flexible savings system, and effective bank services and promotions. Meanwhile, inhibiting factors include low public literacy regarding Islamic banking, the relatively small profit-sharing ratio, and customers’ economic conditions. Customers generally perceive the transparency and fairness of the mudharabah contract positively, although their understanding of the profit-sharing mechanism remains limited. This study recommends enhancing Islamic financial literacy and education to optimize the implementation of the mudharabah contract.
TRI PUSAT PENDIDIKAN DAN MODERASI BERAGAMA: TELAAH FILOSOFIS ATAS GAGASAN KI HADJAR DEWANTARA Jumahir Magfira; Hairuddin Cikka; Makmur
Mahiyah: Journal of Islamic Thought and Philosophy Vol. 3 No. 1 (2026): MAHIYAH: Journal of Islamic Thought and Philosophy
Publisher : Department of Islamic Theology and Philosophy, UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/rpntry97

Abstract

This study aims to philosophically analyze the concept of the Tri-Center of Education in the thought of Ki Hadjar Dewantara and its relevance in strengthening religious moderation in Indonesia. The research employs a qualitative method with a library research approach and philosophical analysis. Data sources include the original works of Ki Hadjar Dewantara, educational literature, and studies related to religious moderation. The findings reveal that the Tri-Center of Education—comprising family, school, and society—plays a strategic role in shaping individuals with moderate religious attitudes. The family serves as the foundation for value internalization, the school functions as a space for intellectual and moral development, and society acts as a practical arena for implementing these values. Philosophically, this concept is rooted in humanistic principles that emphasize balance, freedom, and respect for human dignity. These values align with the principles of religious moderation, such as tolerance, justice, and equilibrium. Therefore, the integration of the Tri-Center of Education can serve as an effective model for strengthening religious moderation and fostering harmonious social life in Indonesia’s multicultural society.
ANALISIS KEBOCORAN HALUAN PADA KMP. SAFIRA NUSANTARA Alya Aniela; Makmur; Rajuddin
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 03 (2026): Volume 11 Nomor 03, September 2026 Completed
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i03.57746

Abstract

Bow leakage is a structural failure that can threaten vessel safety and disrupt maritime operations. This study aims to analyze the occurrence of bow leakage on KMP Safira Nusantara following a collision during a berthing maneuver. The research employed a qualitative descriptive method using a case study approach. Data were collected through direct observation, interviews with ship officers and crew members, documentation, and analysis of incident reports related to the accident. The findings revealed that the leakage did not occur suddenly but resulted from a series of events during the berthing process. A malfunction in the main starting valve caused the propulsion system to respond inadequately, limiting the vessel’s ability to correct its position while approaching the berth. As a consequence, the bow section collided with the pier, generating impact forces that caused deformation of the bow plating and cracks in the welded joints below the waterline. These structural damages created openings that allowed seawater to enter the forepeak compartment, resulting in leakage. The study concludes that technical failures in critical propulsion components during maneuvering operations can significantly affect ship controllability and structural integrity. Therefore, proper maintenance of propulsion systems and strict adherence to maneuvering procedures are essential to minimize the risk of collisions and prevent structural damage that may lead to leakage.
The Role of the Internal Quality Assurance Unit in Study Program Accreditation at State Islamic Higher Education Institutions Haryanto, Endang; Makmur; Nur Hariyanto
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 03 (2026): Volume 11 Nomor 03, September 2026 Public
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i03.57998

Abstract

Quality assurance is a fundamental element in the implementation of higher education in higher education institution in Indonesia is required to implement an Internal Quality Assurance System (SPMI) as a mechanism for continuous quality control and improvement. SPMI plays a crucial role in supporting the study program accreditation process conducted by external quality assurance agencies. This study aims to analyze the implementation of the Internal Quality Assurance System (IQAS) at the English Education Study Program of the State Islamic Institute (IAIN) Curup in achieving excellent accreditation status. This research employed a qualitative approach using a case study design. Data were collected through in-depth interviews, observation, and document analysis, and analyzed using the interactive model of Miles, Huberman, and Saldaña. The findings reveal that the implementation of IQAS in the English Education Study Program has been systematically carried out through the PPEPP cycle, consisting of Determination, Implementation, Evaluation, Control, and Improvement. This system is strengthened by the role of the Quality Assurance Group, Internal Quality Audit, and the integration of Outcome-Based Education (OBE) in curriculum development and learning processes. A strong quality culture within the study program serves as a key factor in achieving “Excellent” accreditation. Based on this study the data indicated that English study program of IAIN Curup empowering the roles of SPMI Involved
ANALISIS PENYEBAB KANDASNYA MV. TANJUNG MANIS SAAT MEMASUKI ALUR PELAYARAN SEMPIT SUNGAI MAHAKAM Nur Ardianty Razak; Makmur; Rajuddin
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 03 (2026): Volume 11 No. 03, September 2026 Produce
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i03.64647

Abstract

Grounding incidents in narrow waterways remain one of the major causes of navigational accidents that affect the safety and efficiency of ship operations. The Mahakam River is one of Indonesia's busiest inland waterways, characterized by narrow channels, sedimentation, tidal influences, and high traffic density, which increase navigational risks. This study aims to analyze the factors causing the grounding of MV. Tanjung Manis while entering the narrow navigation channel of the Mahakam River. The research employed a qualitative descriptive approach using a case study method. Data were collected through onboard observation, interviews with the master, chief officer, second officer, and helmsman, as well as documentation of navigational activities. The findings reveal that the grounding was caused by the interaction of three major factors. Human error included inadequate bridge communication, suboptimal Bridge Resource Management (BRM), reduced situational awareness, and inappropriate decision-making during a meeting situation with another vessel. Internal factors involved the limited performance of the echo sounder in detecting accurate under keel clearance due to heavy sedimentation. External factors consisted of narrow and shallow channels, sediment accumulation, tidal conditions, and dense vessel traffic in the Mahakam River. The study concludes that grounding prevention requires effective bridge team communication, proper utilization of navigational equipment, compliance with COLREG Rule 9 regarding narrow channels, and continuous situational awareness throughout navigation.