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All Journal Journal of Islamic Economic Laws Denta: Jurnal Kedokteran Gigi
Dyah Ayu
Unknown Affiliation
Arts Humanities Dentistry Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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Muḍāraba Fund of Bank Jateng Syariah Cabang Surakarta (BJSCS) According to Dewan Syariah National-Majelis Ulama Indonesia (DSN-MUI) Dyah Ayu
Journal of Islamic Economic Laws Vol 2, No 1: January 2019
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v2i1.6129

Abstract

This study aims to illustrate the concept of muḍāraba fund applied by BJSCS. The type of this research is descriptive and qualitative. This study describes the procedures and implementation of muḍāraba fund as well as its compliance with the Fatwa of DSN-MUI. The employed data in this study was obtained through interviews with the finansial officer as representatives of BJSCS who act as key informants. The results reveal that the concept of muḍāraba fund in BJSCS has not been fully in compliance with the Fatwa of DSN-MUI. It is based on firtsly, Fatwa of DSN-MUI number (6) stating that “The Sharia Finansial Institution as the provider of funds shall bear all losses resulting from muḍāraba unless the muḍarib (entrepreneur) makes a deliberate, negligent or counterproductive mistake." Secondly, Fatwa of DSN-MUI number (4c) stating that “Provider shall bear all losses resulting from muḍāraba, and the entrepreneur shall not bear any harm except from consequential errors, negligence or breach of consent.” In such cases the borrower shall bear the principal repayment. However, there is one thing that can bring BJSCS closer to Sharia compliance, that is, that the Bank does not do restructuring unilaterally. Rather, the bank and the customer come and sit together to discuss what is good for them. This initiatives finally eliminates the discrepancies. Although in fact we expect that  the bank should be bearing all losses because the losses incurred are not the fault of the entrepreneur.
Happy Smile of a New-Born Infant with Cleft Lip and Cleft Palate Istien Wardani; Dyah Ayu
Denta Journal Kedokteran Gigi Vol 16 No 2 (2022): Agustus
Publisher : Fakultas Kedokteran Gigi Universitas Hang Tuah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30649/denta.v16i2.5

Abstract

Background: Cleft palate of the new-born infants with or without cleft lip, are recognized to be at risk of feeding difficulties, making it difficult to maintain adequate nutrition, and also interfere the speech function and the parents also their psychological growth. Purpose: Surgical closure of the cleft lip may be accomplished shortly after birth to relieve the parents’ anxiety as long as the general rules “ triple tens ” ( more than : 10 week of age, 10 pounds of body weight, 10 grams of haemoglobine ) that is frequently used in determining optimum timing for lip closure must be fulfilled. Case Report: Female baby at age 5 days, who was referred  to pediatric dentistry clinic dr. Ramelan Naval Hospital Surabaya with parents complaining that their baby was born with cleft lip and palate and could not drink breast milk, easily choked, so they had to depend on the sonde. Case management: A maxillary feeding plate (=MFP) was made to close the cleft palate and regenerate the function of chewing and swallowing so that the infant obtains good nourishment and gain body weight until the palatal cleft closure operation. Conclusion: After the closure, her mother and family are psychologically able to prepare comprehensive protection for the child so that they too feel comfortable and confident. Smile can represent 80% of communication. When children feel comfortable because they can freely smile, this smile can attract other people to make it easier to adapt and socialize.  
Co-Authors Istien Wardani