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All Journal Empirisma; Jurnal Pemikiran dan Kebudayaan Islam Jurnal At-Tamwil: Kajian Ekonomi Syariah
Ulumudin, Moch. Ichiyak
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Religion Arts Humanities Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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FACING DIFFERENCES AS RESOURCE OF HARMONY: A CASE IN BANGUNTAPAN Ulumudin, Moch. Ichiyak
EMPIRISMA: JURNAL PEMIKIRAN DAN KEBUDAYAAN ISLAM Vol 26, No 2 (2017): Theology : Theory and Practice
Publisher : IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/empirisma.v26i2.688

Abstract

Indonesia is one of the heterogeneous countries and has various diversity of language, ethnicity, tradition, and religion. Religious differences in some cases are very vulnerable to confl icts such as those that have happened in Poso and Ambon. However, religious differences will not necessarily lead to religious confl icts if it is the case in Plumbon, Banguntapan, Bantul, Yogyakarta. In the region, there are three different religions: Islam, Hinduism, Christianity and Catholicism. Nevertheless, they can live in harmony in these differences. Religious harmony in Banguntapan is formed through an interactive dialogue framed in celebrations, traditions and religious ceremonies. Each Religion is a religious ceremony. The celebration or ceremony serves as a means of dialogue by participating in it as a form of appreciation of other religions as well as supporting and conditioning the situation of celebration. On the other hand, supports are also in the form of fi nancial, moral and efforts to fi nd synergy or balance among religious people. The uniqueness in Banguntapan village is in the tradition of religious ceremonies that local people consider highly sensitive to interfaith ritual activities. Keywords: Religious Difference, Religious Harmony, Religious Rituals.
Implementasi Prinsip 6C; Pembiayaan Griya dan Tingkat Pengembalian Angsuran Pada Bank Syariah Mandiri Lu’lu’il Maknuun, Umu Luluk Atin; Ulumudin, Moch. Ichiyak
Jurnal At-Tamwil: Kajian Ekonomi Syariah Vol. 4 No. 1 (2022): Jurnal At Tamwil, Maret 2022
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/at-tamwil.v4i1.2527

Abstract

Penelitian ini bertujuan menganalisa pengaruh prinsip 6C (Character, Capacity, Capital, Collateral, Condition, Constraint) dalam proses penilaian kelayakan calon debitur melalui keputusan pemberian pembiayaan griya terhadap tingkat pengembalian angsuran pada Bank Syariah Mandiri Area Surabaya Darmo. Penelitian ini menggunakan metode kuantitatif dengan analisa PLS. Hasil analisis data diperoleh bahwa character (X1) berpengaruh positif tidak signifikan terhadap keputusan pemberian pembiayaan (Z), Capital (X2) berpengaruh signifikan, Capacity (X3) berpengaruh negative tidak signifikan, Collateral (X4) berpengaruh positif tidak signifikan, Condition (X5) berpengaruh positif tidak signifikan dan Constraint (X6) berpengaruh negative tidak signifikan. Keputusan pemberian pembiayaan griya (Z) berpengaruh negative tidak signifikan terhadap tingkat pengembalian angsuran. Character (X1) berpengaruh signifikan terhadap tingkat pengembalian angsuran (Y), Capital (X2) berpengaruh signifikan terhadap (Y), Capacity (X3) berpengaruh negative tidak signifikan, Collateral (X4) berpengaruh signifikan, Condition (X5) berpengaruh negative tidak signifikan, Constraint (X6) berpengaruh positif tidak signifikan terhadap tingkat pengembalian angsuran (Y). Dari hasil analisa dapat disimpulkan bahwa prinsip 6C pada dasarnya kurang tepat digunakan dalam proses pengambilan keputusan pemberian pembiayaan griya sedangkan pada tingkat pengembalian angsuran prinsip 6C cukup mengakomodir.
Co-Authors Lu’lu’il Maknuun, Umu Luluk Atin