Articles
Strategi Perbankan Syariah Dalam Menghadapi Pembiayaan Dengan Akad Mudharabah Yang Bermasalah (Studi di Bri Syariah Pamekasan)
Arifin, Samsul
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 2 No 1 (2018): Jurnal Justisia Ekonomika
Publisher : Universitas Muhammadiyah Surabaya
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DOI: 10.30651/justeko.v2i1.1698
  Islamic banking has a main function to distribute funds to the community in need in the form of financing. Financing is a large part of the assets of sharia banks that must be maintained in term of quality. Financing is one of the functions of sharia banks by distributing funds to the community in need (user of funds). One of the contracts used by sharia banks in distributing funds in the form of financing is mudharabah contract. The mudharabah contract is a profit-sharing agreement when the shohibul mall /rabbul mall provides capital (100 percent) to mudharib, to engage in productive activities in which the profit generated will be divided among them according to the agreement specified in the contract.This study is aimed to know and understand how the application of mudaraba contracts and banking strategies in overcoming a financing with mudaraba contracts that are problematic, and to know and understand whether the applied strategy is in accordance with the Fatwa (policies) of DSN MUI.The method used in this research is descriptive qualitative research method or naturalistic research because the research is done on natural condition (natural setting). This descriptive qualitative research method is used to get in-depth data, a data that contains meaning.The findings of the research done in BRI Syariah Pamekasan in facing the financing problems with the mudharabah contract, found two problems. First, the problem arising from the internal banking itself, this problem occurs when BRI Syraiah employees do not run the SOP (procedures) that has been set. Second problem is the external factor of banking. This problem occurs because mudharib/ fund manager has moral hazard. For example, by not using the funds for productive business but used for consumptive costs.Efforts done by BRI Syariah Pamekasan dealing with mudharabah financing problem is by using two approaches. First, the pre-customer approach. This approach focuses on selecting prospective customers both in terms of behavior/ character and business run. Second, the post-customer approach. This approach is carried out when the financing has been distributed to customers and experiencing non-performing financing. This is done by monitoring and restructuring Keywords: Financing, mudharabah contract, banking strategy.
Konsekuensi Pelanggaran Kode Etik Hakim MK Terhadap Berlakunya Putusan MK Nomor 90/PUU-XXI/2023
Auliadi, Mohammad Iqbal Alif;
Pradana, Omy Fajar Reza;
Intansari, Laila;
Arifin, Samsul
Sosio Yustisia: Jurnal Hukum dan Perubahan Sosial Vol. 4 No. 1 (2024): May
Publisher : Magister Hukum Tata Negara Pascasarjana UIN Sunan Ampel Surabaya
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DOI: 10.15642/sosyus.v4i1.544
Artikel ini meneliti mengenai konsekuensi pelanggaran kode etik oleh hakim Mahkamah Konstitusi (MK) terhadap berlakunya Putusan MK No. 90/PUU-XXI/2023. Penelitian ini menggunakan metode penelitian normatif yang mana berpusat pada Peraturan Mahkamah Konstitusi nomor 1 Tahun 2023 tentang Majelis Kehormatan Mahkamah Konstitusi. Hasil penelitian menunjukkan bahwa pelanggaran kode etik oleh hakim MK dapat mengurangi legitimasi dan integritas putusan yang dihasilkan. Putusan ini menimbulkan pro dan kontra di kalangan Ahli Hukum dan juga masyarakat karena Anwar Usman dianggap membentangkan karpet merah terhadap putra sulung dari presiden Joko Widodo yang mana merupakan keponakan dari Anwar Usman. Anwar Usman dianggap melanggar kode etik dari hakim konstitusi dan mencoreng marwah Mahkamah Konstitusi sebagai “The Guardian of Constitution” karena putusan tersebut memiliki implikasi yang luas terhadap dinamika politik nasional. Artikel ini menyarankan perlunya penegakan kode etik yang lebih ketat dan transparan untuk memastikan bahwa putusan MK tetap memiliki otoritas hukum yang tidak terkontaminasi oleh pelanggaran etik. Penelitian ini memberikan kontribusi pada pemahaman tentang pentingnya menjaga integritas hakim konstitusi dalam memperkuat kepercayaan publik terhadap lembaga peradilan konstitusi.
MODEL PERENCANAAN PENGEMBANGAN WILAYAH AGRO INDUSTRI BERDASARKAN ANALISIS PENGINDERAAN JAUH DAN SIG
Arifin, Samsul
Jurnal Penginderaan Jauh dan Pengolahan Data Citra Digital Vol. 1 No. 1 (2004)
Publisher : Institut Teknologi Sepuluh Nopember
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DOI: 10.30536/inderaja.v1i1.3093
The policy of governmenr's economical agriculture is to emphasize on agriculture supported by the industry and vice versa. This is directed to increase the welfare of Indonesian people. One of the bridges that can connect the two things (agriculture and industry) is agro industry. The model of planning development of regional space system for argo industry has the porpose of arranging and planning food plantation argo-industry zone so that the condition of establishing an industry can be supported by the continuous availability of raw material that the carrying out of argo industry can be continuously and permanently. The applied approach to the forming of the model uses GIS with room analysis. The parameter used is land physical aspect parameter (land availability) and social economy. Research on the study case is carried out in Lampung Tengah Regency. Based on analysis of Lampung Tengah Regency, there are three argo industry zones that is paddy Argo industry zone located in Padang Ratu district, corn argo industry zone located in Gunung Sugih, and cassava argo industry zone located in Rumbia district.
IMPLEMENTASI PENGINDERAAN JAUH DAN SIG UNTUK INVENTARISASI DAERAH RAWAN BENCANA LONGSOR (PROPINSI LAMPUNG)
Arifin, Samsul;
Carolila, Ita;
Winarso, Gothot
Jurnal Penginderaan Jauh dan Pengolahan Data Citra Digital Vol. 3 No. 1 (2006)
Publisher : Institut Teknologi Sepuluh Nopember
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DOI: 10.30536/inderaja.v3i1.3181
Landslide is a phenomenon of nature that is very potential to cause damage and the loss of human life or material, although the loss is temporarily but the degraded land in the long run affects the lives of the local community. Therefore, to anticipate the occurrence with more casualties, thus a research to inventory potential landslide hazard is necessary to carry out. The implemented model to determine region of landslide hazard is Indeks Storie Model approach by implementing remote sensing data and geographic information system (GIS). Based on the analysis results, Lampung Province have 5 stages of landslide hazard namely: very high, high, medium low and very low, with result of weight values between 0.001-1.68. Generally, Lampung province is quite safe against landslide, while region predicted as landslide hazard are found in 3 districts which are West Lampung Regency, Tanggamus and some in North Lampung Regency.
KAJIAN PENGGUNAAN DATA INDERAJA UNTUK PEMETAAN GARIS PANTAI (STUDI KASUS PANTAI UTARA JAKARTA)
Winarso, Gathot;
Joko, Haris;
Arifin, Samsul
Jurnal Penginderaan Jauh dan Pengolahan Data Citra Digital Vol. 6 No. 1 (2009)
Publisher : Institut Teknologi Sepuluh Nopember
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DOI: 10.30536/inderaja.v6i1.3245
Shore line is important to define seawater administration borders of a province, a district, and a city related to decentralization. The shore line can be extracted from remote sensing data. However, the definition of vertical datum reference for the shore line and low water level place are totally different. The sea water level position for shore line used in the hydrographic mapping is mean high sea level (MHSL), while the sea water level for shore line used in the geodetic mapping is mean sea level (MSL). However, remote sensing data were recorded in specific time that also have a specific sea water level, might be in a high or a low sea level depending on the location. Objectives of this research are to understand the position of the sea water level for the shore line mapping when the Landsat 7 is acquired and how to adjust to make a standard shore line definition. The landsat ETM+ composing of 543 (RGB) Maritime and Navigation Map of 1 : 50.000 scale were overlaid and compared in same condition of spheroid, datum, and projection system. In the area where there is no significant change due to the dynamic of coastal processes, the result of the overlaid image and map indicated that the shore line matched between each other. However, in the area where there are some indicated change, resulted on some differences between the shore line from the image and the map. The sea level position when the image was acquired was in high sea level and the image shore line was as same as the hydrographic shore line. There are two conditions when an image is acquired on a difference water level position. The shore line position would not change in area without 0 meter contour line and would change in area have 0 meter contour line. Adjustment should be made in the second condition.
APLIKASI MODEL GEOBIOFISIK NDVI UNTUK IDENTIFIKASI HUTAN PADA DATA SATELIT LAPAN-A3
Arifin, Samsul;
Carolita, Ita;
Kartika, Tatik
Jurnal Penginderaan Jauh dan Pengolahan Data Citra Digital Vol. 16 No. 2 (2019)
Publisher : Institut Teknologi Sepuluh Nopember
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DOI: 10.30536/inderaja.v16i2.3356
The LAPAN-A3 / IPB satellite is a micro satellite created by the nation's children in order to build the nation's independence in the field of Space. This satellite has 4 bands including 3 visible waves and 1 near infrared. Given that it is a new satellite, it is necessary to do a study and research on the ability of sensor characteristics to identify natural resources, one of which is forests. In this study besides using LAPAN-A3 satellite data, Landsat-8 data is also used as comparative data for testing the similarity of forest object classification results. Determination of extraction of geobiophysical parameters of forest identification using the Normalized Difference Vegetation Index (NDVI) model with a threshold value for forest identification. The results of the study with LAPAN-A3 satellite data show that the threshold range for forest identification is above 0.65 on the vegetation index scale -1 (minus one) to +1 (plus one). The results of the study after comparing NDVI values with Landsat-8 data have a 60% similarity.
Design Diameter Keluar Subsonic Diffuser Menggunakan Analisa Perhitungan Numerik
Puji, Puji Ruswanto;
Raharjo, Bambang;
Arifin, Samsul;
Nur Kholik, M Robiansyah
Teknobiz : Jurnal Ilmiah Program Studi Magister Teknik Mesin Vol. 14 No. 2 (2024): Teknobiz
Publisher : Magister Teknik Mesin Universitas Pancasila
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DOI: 10.35814/teknobiz.v14i2.7180
Karakteristik aliran dan kinerja subsonic diffuser dengan fokus pada optimalisasi geometri dan penerapan teknik kontrol aliran pasif. Subsonic diffuser memainkan peran krusial dalam berbagai aplikasi aerodinamika, namun masih menghadapi tantangan dalam hal separasi aliran dan pemulihan tekanan yang efisien. Studi ini dilakukan melalui pendekatan analisa perhitungan numerik untuk mengetahui kebutuhan besar diameter keluar yang optimal dari subsonic diffuser sehingga didapatkan nilai efisiensi yang diinginkan. Sehinga dengan diameter aliran keluar diffuser = 6.4 cm dan diameter aliran masuk diffuser = 4 cm diperoleh, sonic velocity = 314,3 m/s, efisiensi konversi energi dengan mach number diperoleh = 0.8, perubahan suhu dan temperature dimana suhu awal (T1) = 313 K, diperoleh suhu akhir (T2) = 322 K , tekanan awal (P1) = 110 kPa , tekanan akhir (P2) = 150 kPa, kecepatan aliran gas masuk / In (C1) = 250 m/s, kecepatan aliran gas keluar / exit (C2) = 97,5 m/s, massa jenis udara pada saluran masuk gas ideal p1=1.244 kg/m dan massa jenis udara pada saluran keluar gas ideal p2=1.19 kg/m.
DECIPHERING THE DETERMINATION OF INDEX SHARIA FINANCIAL INCLUSION IN THE INDONESIAN LANDSCAPE
Arifin, Samsul;
Rusgianto, Sulistya;
Suprayitno, Aryadimas;
Sholikah, Nia Mariatus
e-Journal Ekonomi Bisnis dan Akuntansi Vol. 11 No. 2 (2024): e-JEBA Volume 11 Number 2 Year 2024
Publisher : UPT Penerbitan Universitas Jember
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This research aims to provide an in-depth review of the literature on the Index Sharia Financial Inclusion (ISFI) and examine the determinants influencing it. The study employs a quantitative approach across 28 provinces in Indonesia. The ISFI value is calculated using a well-established formula referenced in prior studies. The methodology adopted is a widely recognized one, utilizing the EViews 10 software for analysis. The results indicate that two variables, GDP per Capita and the Human Development Index (HDI), have a significant positive impact on ISFI. Conversely, the Number of Poor Population and the Gini Ratio exhibit a significant negative effect. Additionally, Unemployment and Zakat Distribution in the economic sector do not show a significant impact. The findings of this research are intended to serve as a reference for evaluating and enhancing sharia financial inclusion in Indonesia.
PENGARUH KUALITAS PELAYANAN BPJS, HUBUNGAN KOMUNIKASI DOKTER-PASIEN, WAKTU TUNGGU PELAYANAN RAWAT JALAN TERHADAP KEPUASAN PASIEN DI KLINIK YAI MEDIKA
Pratama, Muhammad Anis;
Arifin, Samsul
Edunomic : Jurnal Ilmiah Pendidikan Ekonomi Fakultas Keguruan dan Ilmu Pendidikan Vol 12 No 2 (2024): EDISI SEPTEMBER
Publisher : FKIP Unswagati
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DOI: 10.33603/ejpe.v12i2.9511
Currently, the health sector has experienced very rapid development, competition is increasingly widespread in providing services to consumers. This research was conducted with the aim of finding out the factors that influence patient satisfaction. This research used a quantitative approach with a sample of 100, and analysis was carried out using Structural Equation Modeling (SEM) with the help of the Smart-PLS version 4.0 device. This research involves outer model testing, inner model testing, mediation testing and hypothesis testing. Based on the results of the validity test, it indicates that the loading factor value > 0.7 and the AVE value > 0.5 are declared valid. The reliability test indicates that the composite reliability and Cronbach's alpha values > 0.7 are said to be reliable. It can be concluded that BPJS Service Quality (X1) and Outpatient Service Waiting Time (X3) have a positive and significant effect on Patient Satisfaction (Y1). Meanwhile, the Doctor-Patient Communication Relationship (X2) has an insignificant negative effect on Patient Satisfaction (Y1). Keywords: BPJS Service Quality, Waiting Time for Outpatient Services, Doctor-Patient Communication Relationship, Patient Satisfaction
PENGARUH ONLINE CUSTOMER REVIEW, CONTENT MARKETING DAN PRODUCT KNOWLEDGE TERHADAP KEPUTUSAN PEMBELIAN E-COMMERCE TOKOPEDIA: (Studi Empiris Pada Generasi Z di Kecamatan Bangsri)
Listiani, Agnes Eva;
Arifin, Samsul
Edunomic : Jurnal Ilmiah Pendidikan Ekonomi Fakultas Keguruan dan Ilmu Pendidikan Vol 12 No 2 (2024): EDISI SEPTEMBER
Publisher : FKIP Unswagati
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DOI: 10.33603/ejpe.v12i2.9524
This research aims to find out how Online Customer Reviews, Content Marketing, and Product Knowledge influence Tokopedia E-Commerce Purchase Decisions among Generation Z in Bangsri District. The population of this research is Generation Z in Bangsri District, with 100 respondents calculated using the Slovin Formula. Data for this research was collected through a purposive sampling method. The research results show that Online Customer Reviews (X1) have a positive and significant effect on purchasing decisions; Content Marketing (X2) has a positive and significant effect on purchasing decisions; and Product Knowledge (X3) has a positive and significant effect on purchasing decisions. Thus, it can be concluded that Online Customer Reviews, Content Marketing, and Product Knowledge all have a positive and significant impact on purchasing decisions. Keywords: Online Customer Review, Content Marketing, Product Knowledge, Purchase Decision, Generation Z