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All Journal Journal of Islamic Economic Laws Bagimu Negeri : Jurnal Pengabdian Kepada Masyarakat
Dyah Ayu
Unknown Affiliation
Arts Humanities Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Health Professions Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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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.
PERSEPSI GURU TERHADAP PENERAPAN DEEP LEARNING DI SEKOLAH DASAR Akbar Almaaruf; Deny Apriyani Juhri; Dyah Ayu; Hengki Pangestu; Linda Nurmalasari; Melani Fathul Inayah
Bagimu Negeri Vol 9 No 2 (2025)
Publisher : Universitas Muhammadiyah Pringsewu

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Penelitian ini bertujuan untuk mendeskripsikan persepsi guru sekolah dasar terhadap penerapan pendekatan Deep Learning di UPT SD Negeri 1 Ambarawa. Penelitian menggunakan pendekatan kualitatif dengan metode studi kasus. Data diperoleh melalui wawancara semi-terstruktur, observasi, dan studi dokumentasi, kemudian dianalisis menggunakan teknik reduksi data, penyajian data, serta penarikan kesimpulan. Hasil penelitian menunjukkan bahwa guru memiliki persepsi positif terhadap penerapan Deep Learning karena dinilai relevan dengan karakteristik siswa sekolah dasar dan selaras dengan prinsip Kurikulum Merdeka. Namun, pemahaman guru terhadap konsep ini masih terbatas pada tataran konseptual dan belum sepenuhnya terimplementasi dalam praktik pembelajaran. Hambatan utama yang dihadapi guru meliputi kurangnya pelatihan, keterbatasan dukungan kelembagaan, serta minimnya sumber daya dan pendampingan berkelanjutan. Meskipun demikian, guru menilai bahwa Deep Learning mampu menciptakan pembelajaran yang bermakna, berkesadaran, dan menyenangkan jika diintegrasikan secara tepat. Penelitian ini menegaskan pentingnya peningkatan kapasitas guru melalui pelatihan berbasis praktik, kolaborasi profesional, serta dukungan kebijakan yang berorientasi pada inovasi pembelajaran agar penerapan Deep Learning dapat berjalan efektif di sekolah dasar.
Co-Authors Akbar Almaaruf Deny Apriyani Juhri Hengki Pangestu Linda Nurmalasari Melani Fathul Inayah