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KERJASAMA DAN BAGI HASIL ANTARA PEMILIK MODAL DENGAN PETANI KERAMBA IKAN NILA DI SUNGAI KAPUAS KOTA PONTIANAK Bahtiar, Eko
Jurnal Social Economic of Agriculture Vol 9, No 1 (2020): Jurnal Social Economic of Agriculture
Publisher : Agribusiness Department, Agriculture Faculty, Tanjungpura University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26418/j.sea.v9i1.40694

Abstract

The main problem faced by cage farmers in running their business is that some of them have enough capital to build a productive business, but they do not have the skills to do it. Some have no capital but have the skills to work as cage farmers. On this basis, they then collaborated. The method used in this research is a qualitative method. The study was conducted in the Kapuas River, Tambelan Sampit Village, East Pontianak District, Pontianak City. The location selection was done purposively with the consideration that the area is a large area with tilapia fish farmers. The results showed that the cooperation carried out by capital owners with cage farmers in Tambelan Sampit village, the equipment used for the business came from owners of capital, while cage farmers as workers. In the collaboration, there is an unwritten agreement but it is well known in general that cage farmers do not share the risk if there is a loss, cage farmers also do not bear the costs of repairs if there is damage to the equipment used during the business. The amount of profit-sharing is determined based on mutual agreement, namely, profit divided by a 50% margin for 50% cage farmers for capital owners. Actions taken if one of the parties feels aggrieved include deciding the working relationship that can be carried out by the capital owner to the cage farmers in Tambelan Sampit already done based on or in accordance with the Islamic concept. Conformity is meant especially when compared with the principles of Muamalah taught by Islam.Keyword: Capital Owners, Cooperation, Farmers
COMPARISON OF THE AUCTION PROCESS FOR COLLATERAL AT BNI SHARIA AND BNI BRANCH OF PONTIANAK Bahtiar, Eko
Journal of Enterprise and Development (JED) Vol. 3 No. 1 (2021): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v3i01.3198

Abstract

The purpose of this research is to reveal: The Mechanism of the Implementation Process of Collateral Auction at Bank BNI Syariah Pontianak Branch and Comparison of he Implementation Process of Collateral Auction at Bank BNI Syariah and Bank BNI Branch of Pontianak. This research uses qualitative research in which data is obtained from PT. BNI Tbk Pontianak Branch, the Pontianak Branch of the BNI Syariah bank and the Pontianak State Wealth and Auction Service Office (KPKNL). Meanwhile, secondary sources are documents and data at PT. BNI Tbk Pontianak Branch, Bank BNI Syariah Pontianak Branch and Pontianak State Wealth and Auction Service Office (KPKNL). Based on the analysis conducted, the researchers concluded that the differences in the auction process at BNI and BNI Syariah banks, in general, have similarities, such as a listing of collateral auctions at the State Wealth and Auction Service Office (KPKNL), announcement 1 (one) time, announcement II (two) in mass media, auctions, the winner with the highest bid price, after the auction is held, the proceeds from the sale of collateralwill be paid to pay off the debt. If the proceeds from the sale of collateral are less than the total debt of the customer, the bank will collect until the debt is paid off, on the other hand, if the sale of collateral is more than the total debt of the customer, the bank is obliged to collect it. return the auction results to the customer, this is done by all banks, both Islamic banks, and banks. conventional. As for what distinguishes between BNI and BNI Syariah banks, there are 2, namely the first process before submitting the auction, namely the BNI Syariah bank there are more warning periods and the persuasion approach period is more widely applied in the BNI Syariah bank, as well as the eggs higher. Second, the process of resistance or lawsuits for the auction, which is when there is a problem between the bank and the debtor orcustomer refusal when there is dissatisfaction with the auction results.
DETERMINANTS OF PROFITABILITY AT BANK MEGA SYARIAH FROM 2015 to 2021 Bahtiar, Eko; Amin, Al
Journal Of Islamic Ekonomic and Business Vol 2 No 2 (2023): IEB: Journal of Islamic Economics and Business
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieb.v2i2.19894

Abstract

ABSTRACT The aim of this research is to analyze the influence of the operational efficiency ratio (BOPO), capital adequacy level (CAR), non-performing financing (NPF), and liquidity (FDR) on the profitability of Bank Mega Syariah in Indonesia in 2015-2021. This research is quantitative research. The data source used in this research is secondary data, namely the annual financial report from Bank Mega Syariah obtained via the OJK website. The research results show that the NPF variable: tcount (0.395) < ttable (4.302) and with a significance level of 0.731 > 0.05, it means Ho. accepted and H1 rejected. Independent variable (NPF) partially. does not have a significant effect on the dependent variable (ROA). BOPO variable: The results show that Ho is accepted and H1 is rejected, because tcount (- 4.661) < ttable (4.302), and the significance level is 0.043 > 0.05. The dependent variable (ROA) is not significantly influenced by BOPO. CAR variable: Ho is accepted and H1 is rejected, because tcount (3.068) < ttable (4.302) with a significance level of 0.092 > 0.05. The dependent variable (ROA) is not partially influenced by CAR. FDR variable: tcount value 2.664 < ttable value 4.302, and significance level 0.117 > ttable value 0.05 indicating that Ho is accepted and H1 is rejected. The dependent variable (ROA) is not partially influenced by the independent variable (FDR).
SWOT Analysis of the Mempawah Regency Baznas Development Strategy in Collecting Zakat Funds Bahtiar, Eko
Journal of Islamic Law Vol. 1 No. 1 (2020): Journal of Islamic Law
Publisher : Institut Agama Islam Negeri (IAIN) Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (694.143 KB) | DOI: 10.24260/jil.v1i1.12

Abstract

This study departs from the analysis of the development strategy of Mempawah District Baznas in collecting zakat funds. The main problem of this paper is to at least talk about the strategies carried out by Baznas officials so that people in Mempawah want to pay their zakat because in their community they issue less zakat to Baznas, the community issues more zakat for religious leaders. Then from the strategy analyzed using SWOT, a descriptive qualitative study began to describe the symptoms in the field. The research found that Baznas Mempawah District has the power to have zakat collection units for each office that has distributed their zakat to Baznas, many government employees have issued their zakat to Baznas. The threat of Baznas District Mempawah, namely: People are divided into paying zakat, Baznas promotion is still less intensive. The Baznas opportunity is the only BAZ in Mempawah Regency. There is a letter from the District Head of Mempawah regarding the regulation that employees must issue their zakat at Baznas. The threat is that Amil has formed many zakat institutions in each office. Strategies adopted by Baznas District of Mempawah When power meets opportunity, one must build a partnership between BAZ and LAZ so that it is easy to collect funds from the community. Baznas Strategy When Weakness meets opportunity, it increases the quality and quantity of competent resources for young people. Baznas strategy when power meets threats namely; entered into a collaboration between BAZ and UPZ so that UPZ could assist BAZ in collecting zakat from the community. Baznas strategy when weakness meets threats; that is, conducting training for young people, so that young people will be interested in joining Baznas.
COMPARISON OF THE AUCTION PROCESS FOR COLLATERAL AT BNI SHARIA AND BNI BRANCH OF PONTIANAK Bahtiar, Eko
Journal of Enterprise and Development (JED) Vol. 3 No. 1 (2021): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v3i01.3198

Abstract

The purpose of this research is to reveal: The Mechanism of the Implementation Process of Collateral Auction at Bank BNI Syariah Pontianak Branch and Comparison of he Implementation Process of Collateral Auction at Bank BNI Syariah and Bank BNI Branch of Pontianak. This research uses qualitative research in which data is obtained from PT. BNI Tbk Pontianak Branch, the Pontianak Branch of the BNI Syariah bank and the Pontianak State Wealth and Auction Service Office (KPKNL). Meanwhile, secondary sources are documents and data at PT. BNI Tbk Pontianak Branch, Bank BNI Syariah Pontianak Branch and Pontianak State Wealth and Auction Service Office (KPKNL). Based on the analysis conducted, the researchers concluded that the differences in the auction process at BNI and BNI Syariah banks, in general, have similarities, such as a listing of collateral auctions at the State Wealth and Auction Service Office (KPKNL), announcement 1 (one) time, announcement II (two) in mass media, auctions, the winner with the highest bid price, after the auction is held, the proceeds from the sale of collateralwill be paid to pay off the debt. If the proceeds from the sale of collateral are less than the total debt of the customer, the bank will collect until the debt is paid off, on the other hand, if the sale of collateral is more than the total debt of the customer, the bank is obliged to collect it. return the auction results to the customer, this is done by all banks, both Islamic banks, and banks. conventional. As for what distinguishes between BNI and BNI Syariah banks, there are 2, namely the first process before submitting the auction, namely the BNI Syariah bank there are more warning periods and the persuasion approach period is more widely applied in the BNI Syariah bank, as well as the eggs higher. Second, the process of resistance or lawsuits for the auction, which is when there is a problem between the bank and the debtor orcustomer refusal when there is dissatisfaction with the auction results.