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TELAAH KRITIS IMPLEMENTASI PEMBIAYAAN MURABAHAH PADA LEMBAGA KEUANGAN SYARIAH BERDASARKAN KDPPLKS Sugeng Widodo; Nuhbatul Basyariah
At-Tauzi : Jurnal Ekonomi Islam Vol 20 No 1 (2020): Vol 20 No 1 / Juni 2020
Publisher : Pusat Studi Ekonomi Islam Sekolah Tinggi Ekonomi Islam Hamfara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37820/attauzi.v20i1.79

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Murabaha financing dominates the portion of Indonesia's national banking financing. Some financing models that exist in Islam and offered by Islamic banking shows the development of Murabaha financing is increasing, and several other types of Islamic banking financing go down and disappear from the financial statements of Islamic banking financing. This article aims to review and analyze the practice of Murabaha financing in Indonesian Islamic banking, and answer the concept and application of Murabaha financing is purely Islamic banking financing or replication of conventional banking credit ?. Based on the analysis of sample transaction models, Murabahah financing implementation has not been following sharia-compliant transaction definitions and criteria according to KDPPLKS where the Murabahah price structure does not contain the appropriate selling price element, but the formula for determining the selling price uses conventional credit/loan patterns.
nalisa Intermediasi Makroprudensial Pada Bank Berdampak Sistemik di Indonesia Sony Kristiyanto; Sugeng Widodo
JMD : Jurnal Riset Manajemen & Bisnis Dewantara Vol 3 No 1 (2020): Januari (2020) - Juni (2020)
Publisher : STIE PGRI Dewantara Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (256.047 KB) | DOI: 10.26533/jmd.v3i1.546

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Bank Indonesia sebagai otoritas moneter di Indonesia memperkenalkan aturan baru dalam pengukuran likuiditas perbankan di Indonesia. Aturan baru tersebut adalah Rasio Intermediasi Makroprudensial (RIM). Rasio ini merupakan penyempurnaan lebih lanjut dari Loan to Deposit Ratio (LDR). Penelitian ini akan melihat secara lebih komprehensif mengenai beberapa faktor yang diduga mampu mempengaruhi RIM khususnya pada bank berdampak sistemik di Indonesia. Penelitian ini menggunakan sampel 14 dari 15 bank berdampak sistemik di Indonesia dan mengambil rentang waktu antara tahun 2012 hingga tahun 2018. Bank berdampak sistemik dipilih menjadi fokus dalam penelitian ini dengan pertimbangan bahwa bank dengan kategori ini merupakan bank yang mampu mempengaruhi perekonomian secara luas. Dengan menggunakan data panel, penelitian ini sampai pada kesimpulan bahwa rasio kredit macet (NPL) dan rasio kecukupan modal (CAR) memiliki pengaruh positif dan signifikan terhadap RIM. Sedangankan variabel Suku Bunga Dasar Kredit (SBDK) dan jumlah kantor cabang bank berpengaruh postif namun tidak signifikan terhadap RIM.
Prototype Desain Keamanan Login Menggunakan Biometrik Wajah Dengan Metode Eigenface sugeng widodo
JMAI (Jurnal Multimedia & Artificial Intelligence) Vol. 4 No. 1 (2020): JMAI (Jurnal Multimedia dan Artificial Intelligence)
Publisher : LPPM Universitas Mercu Buana Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (148.347 KB) | DOI: 10.26486/jmai.v4i1.102

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Login security is a major problem when using a device that is connected in an outside network or internet network. Therefore a data security using face biometrics is performed. Eigenface is a face recognition method based on the Principal Component Analysis (PCA) algorithm. In short the process is that the image is represented in a combined vector which is made into a single matrix. From this single matrix, we will extract a main feature that will distinguish between one face image and another face image. In using the biometric login system this face is the user registering to the system then the user's face will be trained so that the user will be recognized by the system for login purposes. When a user logs in, the user's face data will be processed in real time and matched with the data in the database so that if the data match, the user will successfully log in. The standard face distance from the webcam is 50-60 cm, while the minimum exposure level of the face that can be recognized is 5 lux, and the angle of the face that the system can still recognize is 40 °.
Pengaruh Teknologi Pemupukan terhadap Kualitas Tanah, Pertumbuhan dan Hasil Padi Varitas Ciherang yang Ditanam pada Sawah Bukaan Baru di Dusun Kleseleon, Kabupaten Malaka, Nusa Tenggara Timur Sukristiyonubowo Sukristiyonubowo; Damasus Riyanto; Sugeng Widodo
Jurnal Lahan Suboptimal : Journal of Suboptimal Lands Vol. 8 No. 1 (2019): JLSO
Publisher : Research Center for Sub-optimal Lands (PUR-PLSO), Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (391.789 KB) | DOI: 10.33230/JLSO.8.1.2019.359

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Sukristiyonubowo et al, 2019. The Influence of Fertilizer Technologies on Soil Quality, Rice Growth and Biomass Production of Ciherang Vareity Cultivated in Newly Developed Lowland Rice Fields of Kleseleon, Malaka District. JLSO 8(1):1-10.Highly weathered and potential acid sulphate soils are granted for newly developed lowland rice. They have many short comings including low in major elements and Fe and Mn in toxic levels. Study on soil fertility, rice growth and biomass productions of Ciherang variety planted in newly developed lowland rice was conducted in Kleseleon Village, Malaka District in 2014. The aim of study was to know the effect of technologies on soil fertility properties, rice growth and biomass productions.The experiment was started in February 2014 and harvested in June 2014. Five promising treatments were studied including: Farmers Practices, Package A : NPK recommended rate + 3 tons compost, Package B : NPK recommended rate + 2 tons compost + Bio fertilizer, Package C: ¾ recommended rate + 3 tons compost + Bio fertilizer and Package D: NPK recommended rate + 2 tons compost + Bio fertilizer, in which N, P and K were split two times: 50 % given at planting time and 50 % at 21 DAP. Two kilo gram composite soils from five points and ring samples of 0-20 cm in depth were taken in February 2014 for analyzing chemical, physical and biological parameters, before soil ploughing. The results indicated that the soil quality of newly developed low land rice fields in Kleseleon was low. These technologies increased the soil fertility including soil pH, soil organic C, available P and K extracted with HCl 25 %. In addition, the best technology was observed in package B (NPK Recommendation rate + 2 tons organic fertilizer + Bio fertilizer/SMART, in which N and K fertilizer were applied 3 times: 50 % at planting, 25 % at 21 HST and 25% before flowering) for tillers number and rice biomass productions. The yield reached 5.88 ± 0.29 and 4.84 ± 0.47 tons ha-1 season-1 for rice grains and rice straw, respectively.
PENGARUH KEPEMIMPINAN TRANSFORMASIONAL, KOMPENSASI, DAN MOTIVASI KERJA TERHADAP KEPUASAN KERJA PADA DINAS SOSIAL PROVINSI KOTA YOGYAKARTA BIDANG OPERASONAL Sugeng Widodo
JURNAL EKOBIS DEWANTARA Vol 1 No 7 (2018): JURNAL EKOBIS DEWANTARA
Publisher : Program Studi Manajemen Fakultas Ekonomi UST

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The purpose of this study is to describe: (1) the influence of transformational leadership on job satisfaction; (2) the effect of compensation on job satisfaction; (3) the influence of work motivation on job satisfaction; (4) the influence of transformational leadership, compensation and work motivation together on job satisfaction This research is a quantitative research. The population in this study are employees of "Yogyakarta Province Social Service Department Operational Section". The sample of the study was 46 employees. Data collection was done by using questionnaire method. Data analysis technique used is regression technique supported by T test, path analysis test and classical assumption test with SPSS 20.00 for windows application. The result of data analysis with significance 0,05 shows that there is no positive and significant influence between transformational leadership to job satisfaction. There is no positive and significant influence between compensation on job satisfaction. There is a positive and significant influence between work motivation on job satisfaction. And There is a positive and significant influence of transformational leadership, compensation and work motivation on job satisfaction at employees at the Yogyakarta Provincial Social Office of Operational Section.
Pengaruh Metode Demonstrasi Dan Metode Ceramah Terhadap Hasil Belajar Geografi Di SMAN 3 Metro Suhendro Suhendro; Pargito Pargito; Sugeng Widodo
JPG (Jurnal Penelitian Geografi) Vol 6, No 3 (2018): Jurnal Penelitian Geografi (JPG)
Publisher : JPG (Jurnal Penelitian Geografi)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (635.556 KB)

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The research aimed to know and analyse the difference of learning outcome of geography by demonstration method and lecture method and to know the effect of the demonstration method implementation through the learning outcome. The method used was quasi experimental. The subject of the researsh was the student of grade X IPS of Metro 3 rd senior high school. The research conducted by four times meetings. The object of the research were the implementation of demonstration method dan lecture method and there was an effect of demonstration method implementation through the learning outcome of geography. To the teachers and the prospective teachers are adviced to implement the demonstration method in the class.Penelitian bertujuan mengetahui dan menganalisis perbedaan hasil belajar geografi metode demonstrasi dan metode ceramah dan mengetahui pengaruh penggunaan metode demonstrasi terhadap hasil belajar. Metode yang digunakan adalah eksperimen semu. Subjek penelitian yaitu siswa kelas X IPS SMA Negeri 3 Metro. Penelitian dilakukan dengan empat kali pertemuan. Objek penelitian adalah penggunaan metode demonstrasi dan metode ceramah terhadap hasil beajar geografi. Analisis data menggunakan t-test dan regresi linier sederhana. Hasil penelitian menunjukan ada perbedaan hasil belajar geografi dengan metode demonstrasi dan metode ceramah serta terdapat pengaruh penggunaan metode demonstrasi terhadap hasil belajar geografi, disarankan kepada guru dan calon guru geografi untuk menerapkan metode demonstrasi di kelas.Kata Kunci: hasil belajar, metode ceramah, dan metode demonstrasi.
PENDAPATAN PETANI PADA PENGGUNAAN LAHAN SAWAH IRIGASI DI KELURAHAN TEJOSARI KECAMATAN METRO TIMUR KOTA METRO Yulia Ely Sesari; Sudarmi Sudarmi; Sugeng Widodo
JPG (Jurnal Penelitian Geografi) Vol 1, No 3 (2013): Jurnal Penelitian Geografi (JPG)
Publisher : JPG (Jurnal Penelitian Geografi)

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The aim of this research was to find out information on farmers’ income on the use irrigation farming in Tejosari District, East Metro, Metro City in 2012. This study focused on (1) the land area for farming, (2) the amount of farmers’ working capital to do agriculture, (3) farmers’ income on the use of irrigation farming.The researcher used descriptive method for this research. The population was 222 family heads of irrigation farming farmers, while the samples were 30% which were 66 family heads. As the data collecting technique, the researcher used observation, documentation, and a structured interview.The results of research: (1) In a farmer rice cultivation, there were 25 (37,88%)  farmers who cultivated the average area of 0,64 ha, and there were 19 (39,58%) farmers in the average area of  0,61 ha who cultivated other plants excluding rice. (2) To cultivate rice, there were 65 (98,48%) farmers who used capital working for rice cultivation which was about Rp 1.363.504, and there were 46 (95,84%) farmers who used capital working for other cultivation which was about  Rp 650.361. (3) There were 46 (69,7%) farmers whose total income was about Rp 447.101 per month. Keywords: land area, capital working, and income
Pengaruh Minat Belajar Terhadap Aktivitas Belajar Geografi XI IPS SMAN 5 Bandar Lampung Annisa Amalia Suci Rozai; Pargito Pargito; Sugeng Widodo
JPG (Jurnal Penelitian Geografi) Vol 5, No 5 (2017): Jurnal Penelitian Geografi (JPG)
Publisher : JPG (Jurnal Penelitian Geografi)

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The purpose of this research is to: 1) to knew the difference to the interest learned of student used learned make a match model with interest learned of student used learned conventional. 2) to knew influence of interest learned through make a match model to geography learned activited of student class XI IPS SMA Negeri 5 Bandar Lampung. This study used quasi experimental method. Test data analysis used t-test and simple linear regression test. The results of research and discussion concluded 1) that there are difference in student learned interest used make a match model with students used conventional. 2) as well as positive influence of interest learned through make a match learned model to geography learned activited of student class XI IPS SMA Negeri 5 Bandar Lampung.Penelitian ini bertujuan: 1) untuk mengetahui perbedaan minat belajar siswa yang menggunakan model pembelajaran make a match dengan minat belajar siswa yang menggunakan pembelajaran konvensional. 2) untuk mengetahui pengaruh minat belajar melalui model pembelajaran make a match terhadap aktivitas belajar geografi siswa kelas XI IPS SMA Negeri 5 Bandar Lampung. Penelitian ini menggunakan metode kuasi eksperimen. Uji analisis data menggunakan uji-t dan uji regresi linier sederhana. Hasil penelitian dan pembahasan disimpulkan bahwa 1) ada perbedaan minat belajar siswa yang menggunakan model pembelajaran make a match dengan yang siswa menggunakan pembelajaran konvensional. 2) ada pengaruh positif dari minat belajar melalui model pembelajaran make a match terhadap aktivitas belajar geografi siswa kelas XI IPS SMA Negeri 5 Bandar Lampung.Kata Kunci: aktivitas belajar, geografi, minat belajar.
Pemanfaatan Bantuan PKH Pada Keluarga Miskin di Desa Negara Ratu Kecamatan Sungkai Utara Sovie Seftia Fitri; Trisnaningsih Trisnaningsih; Sugeng Widodo
JPG (Jurnal Penelitian Geografi) Vol 7, No 6 (2019): Jurnal Penelitian Geografi (JPG)
Publisher : JPG (Jurnal Penelitian Geografi)

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This study aims to describe the use of family planning program assistance in poor families in Negara Ratu Village, Sungkai UtaraSub-District, Lampung Utara District. This study uses a descriptive method with a sample of 68 techniques of data collection using structured questionnaire interview, observation and documentation techniques. The results of the study found that (1) health PKH assistance was used to check for complete immunization by 16, only 3 health examinations as many as 42 and 10 followed only 2 health examinations. (2) education PKH assistance is used to buy books, stationery and spp as much as 100%, uniform as much as 79.41% and transportation costs 29.41%.Penelitian ini bertujuan untuk mendeskripsikan pemanfaatan bantuan program keluarga harapan pada keluarga miskin di Desa Negara Ratu Kecamatan Sungkai Utara Kabupaten Lampung Utara. Penelitian  ini menggunakan  metode deskriptif dengan sampel sebanyak 68 Teknik pengumpulan data menggunakan teknik wawancara terstruktur kuesioner, observasi dan dokumentasi. Hasil penelitian ditemukan bahwa (1) bantuan PKH kesehatan digunakan untuk memeriksakan imunisasi lengkap sebanyak 16, hanya 3 pemeriksaan kesehatan sebanyak 42 dan 10 mengikuti hanya 2 pemeriksaaan kesehatan. (2) bantuan PKH pendidikan digunakan untuk membeli buku, alat tulis serta spp sebanyak 100%, seragam sebanyak 79,41% dan biaya transportasi 29,41%.Kata kunci: kesehatan, pendidikan, pemanfaatan bantuan PKH
Metode Mind Mapping dalam Meningkatkan Aktivitas dan Hasil Belajar IPS Terpadu Siswa SMP Xaverius Sistari Sistari; Sumadi Sumadi; Sugeng Widodo
JPG (Jurnal Penelitian Geografi) Vol 6, No 2 (2018): Jurnal Penelitian Geografi (JPG)
Publisher : JPG (Jurnal Penelitian Geografi)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (334.473 KB)

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This study aims to improve students' activities and learning outcomes on Integrated Social Studies through the use of mind mapping learning method. The method used is classroom action research. The subjects of the study consisted of students of grade VII JHS Xaverius Gunung Batin Terusan Nunyai Central Lampung Regency. This study was conducted with three cycles, each cycle consisted of one meeting. The object of the research is mind mapping method to improve students' learning activities and learning outcomes.The data analysis was done using desribe. The results concluded that mind mapping method could improve students' activities and learning outcomes on integrated social studies, that teachers and prospective teachers of social studies in particular, for once in a while implementing mind mapping the class.Penelitian ini bertujuan untuk meningkatkan aktivitas dan hasil belajar IPS Terpadu siswa melalui penggunaan metode pembelajaran mind mapping. Metode yang digunakan adalah penelitian tindakan kelas. Subjek penelitian yaitu siswa kelas VII SMP Xaverius Gunung Batin Terusan Nunyai Kabupaten Lampung Tengah. Penelitian ini dilakukan dengan tiga siklus, masing-masing siklus terdiri dari satu pertemuan. Objek penelitian adalah metode mind mapping untuk meningkatkan aktivitas dan hasil belajar siswa. Analisis data menggunakan deskriptif. Hasil penelitian menunjukkan bahwa dengan metode mind mapping dapat meningkatkan aktivitas dan hasil belajar IPS Terpadu siswa, disarankan kepada guru dan calon guru IPS untuk sesekali menerapkan metode mind mapping di kelas.Kata Kunci: aktivitas belajar, hasil belajar, dan mind mapping