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TINJAUAN YURIDIS TERHADAP KEDUDUKAN PENJAMIN PERORANGAN (BORGTOCHT) DALAM PENYELESAIAN KREDIT MACET DI PT. BANK PERKREDITAN RAKYAT DATA SEMARANG Sabrina Zahara Noor Rahma; Siti Mahmudah
JURNAL ILMIAH LIVING LAW Vol. 16 No. 2 (2024): Jurnal Ilmiah Living Law
Publisher : Universitas Djuanda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jill.v16i2.12703

Abstract

The aim of this research is to analyze and examine individual guarantees guaranteed by debtors to creditors (Banks) in credit agreements. The approach method used in this research is normative juridical, with research specifications in descriptive analytical form. The results of the research show that individual guarantee arrangements are regulated in the Civil Code. An individual guarantee is a third party that guarantees all of the debtor's obligations to the creditor, if the debtor defaults. The position of individual guarantees at BPR DATA is an additional (accessory) that accompanies the main agreement. Credit with individual guarantees at BPR DATA is unsecured credit or KTA with a monthly salary payment system through the treasurer/finance department with guarantee/approval from the head of the company/institution. A debt guarantor in this case has the position that he is bound and responsible to the bank for all debts of the debtor. For every credit with individual guarantees, a guarantee agreement will be made privately, in the guarantee agreement the guarantor has special rights. As in BPR DATA, as the leader who guarantees the credit of its employees, in its implementation, if there is a default, the salary, social security, or insurance is deducted as credit repayment.
Blended Learning to Improve Vocational Life Skills in Making Batik for Disabilities Wiwik Widajati; Siti Mahmudah; Devina Rahmadiani Kamaruddin Nur; Diah Ekasari; Ni Made Marlin Minarsih; Diah Anggraeny; Danis Ade Dwirisnanda
Jurnal Pedagogi dan Pembelajaran Vol. 6 No. 3 (2023): October
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jp2.v6i3.64400

Abstract

The learning strategies applied by educators are still conventional, including learning vocational skills. This research aims to examine the effect of blended learning on improving the vocational life skills of students with disabilities. This research is pre-experimental. This research design is a group pre-test-post-test design. The research subjects were students with disabilities at the Special High School (SMLAB). Data collection uses performance tests. Data analysis used the Wilcoxon signed-rank test (matched pairs test). The research results show that the vocational life skills of students with disabilities after learning with blended learning have improved more than before learning with blended learning. Learning with blended learning has a better and more positive influence on the vocational life skills of students with disabilities. This research implies that blended learning can improve students' abilities, increasing learning outcomes. In the learning process, students are more active, constructive, communicative, able to follow technological developments, and participate to improve their divergent thinking skills and abilities, in this case, thinking abilities related to vocational skills.
IMPLEMENTASI PSAK 107 MELALUI PELAYANAN GADAI EMAS SYARIAH PADA BANK SYARIAH MANDIRI SURABAYA Siti Mahmudah
BAJ: Behavioral Accounting Journal Vol. 3 No. 2 (2020): July-December 2020
Publisher : Universitas Pembangunan Nasional "Veteran" Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33005/baj.v3i2.106

Abstract

Sharia banking from time to time has experienced an increase in both the number of customers and savings or financing products. An example of a sharia banking product is the Sharia gold pawn which is implemented by Bank Syariah Mandiri Surabaya. Gold is jewelry that has a high resale value, even if the value decreases, it doesn't drop too much. Gold can be in the form of necklaces, rings, bracelets, pendants and so on with different carats and weights. Gold pawning is a process for obtaining loan funds using economical and valuable items as collateral. If later the payment is paid, the goods will be returned in full, for this purpose maintenance costs are required, namely ujroh, which is paid every 4 months. To carry out a Sharia gold pawn, an ijarah contract is used, which is a trial fee or maintenance service fee because the party receiving the pawn is responsible for the existence of the goods being pawned. Service at Bank Syariah Mandiri Surabaya is very fast, straightforward, friendly, and has clear information about the financing we take.
The Influence Of Brand Image And Advertising On Social Media On Consumer Purchase Decisions On Emina Products (Case Study Of Students In Bandar Lampung) Siti Mahmudah; Defia Riski Anggarini
Jurnal Ekonomi Vol. 13 No. 03 (2024): Jurnal Ekonomi, Edition July -September 2024
Publisher : SEAN Institute

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

Abstract

This research aims to examine the influence of brand image on purchasing decisions of Emina products and the impact of social media advertising on consumer purchasing decisions. The background of this study is the increasing competition in the cosmetics industry, which necessitates companies to build a strong brand image and utilize social media as an effective promotional tool. This quantitative study employed a purposive sampling technique with a sample size of 115 Emina product consumers in Bandar Lampung. The independent t-test results indicate that brand image has a partially positive and significant effect on Emina products among Bandar Lampung students. Furthermore, the simultaneous F-test results show that there is a significant influence between the brand image and social media advertising variables on Emina products among Bandar Lampung students. Overall, this research shows that Brand Image has a positive effect on purchasing decisions and Social Media Advertising has a positive impact on purchasing decisions.
Approaches to Education and Learning of the Quran and Al-Hadith Aryanti Puspita Sari; Andi Abd. Muis; Ridwan; Siti Mahmudah
International Journal of Health, Economics, and Social Sciences (IJHESS) Vol. 7 No. 2: April 2025
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/ijhess.v7i2.4729

Abstract

In the face of the increasingly rapid development of the times, Islamic education is now faced with various challenges that require adjustment to the social, cultural, and technological dynamics that continue to develop. The influence of globalization and modernization has brought about major changes in people's way of thinking and expectations towards education, including Islamic education. Therefore, it is important to reconstruct Islamic educational thinking so that it remains relevant and effective in producing a generation that is able to compete in the modern era, without losing the fundamental values of Islamic teachings. This research aims to explore the challenges faced by Islamic education, as well as identify opportunities that can be used in the process of renewing their thinking. This study uses a qualitative approach with literature study as the main method to analyze existing problems and find solutions. It is hoped that the results of this research can contribute to developing the concept of Islamic education that is more flexible, inclusive, and able to respond to changes in the times quickly.
SOSIALISASI STUNTING DAN INTERVENSI PENCEGAHAN STUNTING ERA NEW NORMAL DI DESA KRINJING, WATUMALANG Mila Fursiana Salma Musfiroh; Misyono; Erna khusna Zifani; Siti Mahmudah; Mohammad Fakih Udin; Achmad Solihudin; Difa Fatihatul Munawaroh; Leni Sulestari; Mukhammad Irza Ivaliyanto; M.Salafudin
Jurnal Pengabdian Masyarakat Vol. 1 No. 1 (2022): April : Jurnal Pengabdian Masyarakat
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/abdimas45.v1i1.188

Abstract

Stunting merupakan masalah kesehatan yang banyak ditemukan di negara berkembang, termasuk Indonesia. Prevalensi stunting di Indonesia menempati peringkat kelima terbesar di dunia. Stunting merupakan gangguan pertumbuhan linier yang disebabkan kurang gizi yang berlangsung kronis. Masyarakat yang tinggal di daerah-daerah terpencil kurang mendapat perhatian dari dinas Kesehatan setempat sehingga penderita stunting belum mendapatkan penanganan yang semestinya. Saat ini, Indonesia sudah memasuki era new normal dimana aktivitas masyarakat berjalan seperti sediakala, baik itu pusat pemerintahan, instansi pendidikan, instansi kesehatan dan lainnya. Hal tersebut melatarbelakangi kami untuk mengadakan program sosialisasi stunting khususnya di Desa Krinjing, Kecamatan Watumalang. Artikel ini bertujuan memberikan informasi terkait sosialisasi stunting dan intervensi pencegahan stunting pada anak yaitu dengan membantu memberikan layanan informasi dari dinas Kesehatan setempat kepada masyarakat guna mengajak masyarakat melakukan gerakan hidup sehat. Dengan demikian, sosialisasi ini cukup efektif untuk memberikan informasi tentang cara mencegah dan mengurangi kejadian stunting pada anak. Dengan diadakannya sosialisasi stunting di Desa Krinjing, kesadaran masyarakat terkait tumbuh kembang anak semakin meningkat, sehingga diharapkan dapat mencegah terjadinya stunting dan menurunkan persentase stunting di Indonesia khususnya di Desa Krinjing, Kecamatan Watumalang, Kabupaten Wonosobo.
ANALISIS SIKAP PASANGAN USIA SUBUR TENTANG KESEHATAN REPRODUKSI TERHADAP PENUNDAAN KEHAMILAN DI KELURAHAN BLABAK KECAMATAN PESANTREN KOTA KEDIRI Candra Wahyuni; Siti Mahmudah
STRADA : Jurnal Ilmiah Kesehatan Vol. 6 No. 2 (2017): November
Publisher : Universitas STRADA Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30994/sjik.v6i2.10

Abstract

Pasangan usia subur sebaiknya segera melangsungkan kehamilan disaat usia reproduksinya dalam rentang usia aman untuk melangsungkan kehamilan yaitu usia 20-35 tahun. Jika melangsungkan kehamilan di usia lebih dari 35 tahun maka berdampak pada tingginya resiko kehamilan Tujuan Penelitian ini adalah untuk mengetahui hubungan sikap pasangan usia subur tentang kesehatan reproduksi dengan penundaan kehamilan di Kelurahan Blabak Kecamatan Pesantren Kota Kediri Tahun 2017. Desain Penelitian yang digunakan adalah analitik korelasional dengan pendekatan Cross Sectional. Populasinya adalah 140 PUS dengan sampel 104 PUS diambil dengan Cluster Random Sampling. Data dikumpulkan dengan lembar kuesioner, data hasil penelitian dinyatakan dengan skala interval dan nominal dan dianalisa dengan Regresi Logistic. Berdasarkan hasil penelitian didapatkan sikap berpengaruh secara signifikan terhadap penundaan kehamilan (Regresi Logistic didapatkan nilai sig = 0.000 < alpha (0,05) , maka Ho ditolak). Hal ini disebabkan sikap memang menjadi faktor pendahulu (Predisposing factor) bagi terbentuknya perilaku penundaan kehamilan.
The Concept of Maşlaḥah Family in Lampung Customary Law: A Study of Mak Dijuk Siang and Its Relevance to Indonesian Marriage Law Habib Shulton Asnawi; M. Anwar Nawawi; Siti Mahmudah; Alamsyah Alamsyah
Fikri : Jurnal Kajian Agama, Sosial dan Budaya Vol. 9 No. 1 (2024): Fikri : Jurnal Kajian Agama, Sosial dan Budaya
Publisher : Institut Agama Islam Ma'arif NU (IAIMNU) Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25217/jf.v9i1.4710

Abstract

This article discusses the concept of maşlaḥah family, which is part of the customary law of Mak Dijuk Siang (prohibition of divorce) in the Lampung Pepadun Megou Pak clan. Despite the prohibition of divorce, household problems are addressed within the community, and there are customary sanctions for violating this rule. The purpose of this article is to analyze why traditional leaders enforce and uphold the Mak Dijuk Siang customary rules and their relevance to Indonesian marriage law. The study uses a qualitative method, combining field research with library research in the sociology of law. The research was conducted in the Lampung Pepadun Megou Pak community in Tulang Bawang Regency and West Tulang Bawang Regency, Lampung Province. Primary data was obtained from traditional leaders through observation, interviews, and documentation. The analysis applies the theory of legal effectiveness. The results show that the concept of maşlaḥah family in the Mak Dijuk Siang rule reflects the community's belief in the philosophy of Piil Pesenggiri, which discourages divorce and aims to build eternal families. In cases of household conflicts, mediation is preferred through the Penyimbang Pepung Adat Customary Institution. The practice of maşlaḥah family through the Mak Dijuk Siang customary rules has been effective in reducing the high divorce rate, demonstrating its relevance to Indonesian marriage law.
Ibn Khaldun's Islamic Educational Thought: Relevance in the Modern World Siti Mahmudah; St. Nurhayati Ali; Ridwan
International Journal of Health, Economics, and Social Sciences (IJHESS) Vol. 7 No. 3: July 2025
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/ijhess.v7i3.8337

Abstract

This research examines Ibn Khaldun's Islamic educational thought and its relevance to the challenges of the modern world. The main problem raised in this study is how the educational concepts put forward by Ibn Khaldun, especially in Muqaddimah, can be applied in the contemporary education system that faces the challenges of globalization, digitalization, and moral crisis. The purpose of this research is to analyze the concept of Ibn Khaldun's education, identify aspects that are still relevant to modern education, and offer implementation strategies in the current learning system. This study uses a qualitative method with a textual analysis approach to Ibn Khaldun's works as well as case studies that are relevant in modern education. The results of the study show that the concept of Asabiyyah or social solidarity has important implications in creating an inclusive and collaborative learning environment. In addition, Ibn Khaldun's thoughts on gradual education and character formation are very relevant in building an education system that is not only academically oriented, but also on strengthening the morals and ethics of students. The conclusion of this study confirms that Ibn Khaldun's Islamic educational thinking can be a solution in facing the challenges of modern education. By adapting Islamic educational values into technology-based learning systems, character education, and community-based approaches, a more holistic and sustainable model of education can be realized. This research contributes to the development of an education system that is able to answer the needs of the times without losing fundamental Islamic values.
Penguatan Nilai-nilai  Aswaja An Nahddliyah di Majlis Taklim Nurul Hidayah Kelurahan Tosaren Kota Kediri Siti Mahmudah; Naila Azahra
Indonesia Berdampak: Jurnal Pengabdian kepada Masyarakat Vol. 1 No. 1 (2025): JUNI 2025
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/85qsjz83

Abstract

The strengthening of Ahlussunnah wal Jama’ah (Aswaja) An-Nahdliyah values at the grassroots level is a vital strategy to counter ideological threats in the digital era. This community service program was conducted at Majlis Taklim Nurul Hidayah, Tosaren Subdistrict, Kediri City, whose members consist primarily of Muslimat women. The goal was to improve moderate religious understanding based on Aswaja through educational, participatory, and tradition-based Islamic approaches. The methods included interactive lectures, group discussions, book reading sessions, and practical religious rituals such as tahlil, shalawat, and istighotsah. The results showed a significant increase in participants' understanding of core Aswaja principles such as tawassuth (moderation), tasamuh (tolerance), tawazun (balance) and i’tidal (justice). The program also successfully fostered critical awareness among participants regarding misleading religious content circulating online. Key supporting factors included high participant enthusiasm, strong NU cultural roots, and support from local religious leaders. Nevertheless, challenges remain, including limited access to user-friendly Aswaja literature and the need for sustained mentoring. This activity affirms the potential of majlis taklim as centers of religious moderation at the community level. Similar programs are recommended to be replicated with sustainable support across sectors.