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Analisis Tingkat Literasi Nasabah Bank Syariah Pada Kontrak Murabahah Asmaul Husna; Marliyah Marliyah; Haris Al Amin; Julfan Saputra; Wahyu Syarvina
Jurnal EMT KITA Vol 5 No 2 (2021): JULY-DECEMBER 2021
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v5i2.449

Abstract

The purpose of this research is to examine the level of understanding of Islamic bank customers who have entered into murabahah contracts, as well as the factors that influence customer decisions to use Islamic banks for murabahah financing. 45 Islamic bank customers who have taken murabaha financing were selected as samples. The data used is primary data collected from customers who have taken murabaha credit through surveys and direct interviews. Qualitative analytical approach was used in data analysis. The findings show that customers are not aware of the murabahah financing arrangements.
Mekanisme Pasar dala Konteks Islam Sarwo Edi; Julfan Saputra; Asmaul Husna
Jurnal EMT KITA Vol 6 No 1 (2022): JANUARY-JUNE 2022
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v6i1.477

Abstract

This paper is a literature review that aims to determine the market mechanism in the context of Islam. The methodology used is a review of studies and books both on a local Indonesian scale and on an international scale. In contrast to conventional systems, the concept of Islamic Economics emphasizes that market mechanisms and price fixing need to be regulated to achieve market equilibrium and economic justice by considering the urgency of the parties involved in the market. Fair and fair prices are prices obtained based on the power of supply (supply) and demand (demand). In the event of unfair actions that result in market distortions or prices are not at their equilibrium point, the government plays a very important role in taking regulations in the form of price fixing by looking at the factors that cause these distortions and returning prices to the original equilibrium point.
Sharia Perspective Supervision Management in Preventing Corruption Asmaul Husna
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Publisher : Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (190.464 KB)

Abstract

Corruption has evolved into a difficult-to-control problem, particularly in Indonesia, where the problem is growing in both quantity and quality. As the number of corruption cases grows, so will the amount of money lost by the government. Indeed, both at the national and provincial levels, this criminality has been rampant. Local government personnel have more opportunity to conduct illegal acts of corruption as a result of the government's decentralization scheme. This problem necessitates an assessment in order to identify guidelines that may be used to avoid corruption, therefore this study focuses on the supervision of public policy in the fight against corruption through community participation. The major issue addressed in this study is how effective public policy oversight is in combating corruption through public participation. This study employs a descriptive analysis research method to address this issue, allowing it to be concluded that the public plays a role in monitoring public policies regarding corruption prevention through efforts to prevent and eradicate corruption crimes, based on the information presented in the discussion. This oversight is carried out to ensure that public policy is carried out in conformity with its stated goal, namely the prevention of criminal corruption. Individuals, non-governmental groups, and other types of community organizations can all play a role in achieving community engagement.
Performance Of Islamic Rural Banks Pre and During Pandemic By Maqashid Sharia Index Rahmi Amalia; Asmaul Husna; Sarwo Edi
LAA MAISYIR: Jurnal Ekonomi Islam Vol 9 No 2 (2022)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v9i2.32742

Abstract

This study attempted to reveal the performance of the Islamic Rural Bank (BPRS) in North Sumatra during the pre and post-covid-19 pandemic. The method used in this study uses descriptive quantitative research with secondary data sources, namely the financial statements of BPRS in North Sumatra published on the site of Otoritas Jasa Keuangan (OJK) for 2019-2021. The data were selected by purposive sampling and obtained 7 BPRS according to the research criteria. This study used the Maqashid Syariah Index as a performance measurement method, based on the definition of Abu Zahrah maqasid shariah model. The findings in this study are, during 2019-2021, the average performance level of BPRS Gebu Prima in Medan city was the highest at 37.5%, and BPRS al-Washliyah was the lowest at 22.55%. The results showed some elements are negatively affected by the covid-19 pandemic, such as very low levels of profitability. This research contributed to providing information to BPRS stakeholders in North Sumatra to continuously improve performance in the Maqashid Sharia dimension.
An Analysis Of Minimal Pairs Of Consonant Sounds In English Asmaul Husna; Siti Sholikhah; Yani Lubis
Atmosfer: Jurnal Pendidikan, Bahasa, Sastra, Seni, Budaya, dan Sosial Humaniora Vol. 1 No. 3 (2023): Agustus : Jurnal Pendidikan, Bahasa, Sastra, Seni, Budaya, dan Sosial Humaniora
Publisher : Universitas Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/atmosfer.v1i3.208

Abstract

This study aims to analyze minimal pairs of consonant sounds in English and explore their significance in language learning and teaching pronunciation. Minimal pairs are two words that differ only in one consonant sound, and this analysis aims to provide an understanding of the important role of minimal pairs in developing phonological awareness and improving pronunciation accuracy in English.This research involved identifying and analyzing minimal pairs of consonant sounds in English, including consonant sounds such as /p/ and /b/, /s/ and /z/, and /t/ and /d/. This analysis includes examining the articulation differences and acoustic characteristics of each minimal pair, with the aim of helping English learners understand the subtle phonetic differences between these consonant sounds. Through a deep understanding of minimal pairs, learners can develop their ability to distinguish and produce consonant sounds more accurately.In addition, this study also reviews the pedagogical implications of using minimal pairs in learning English pronunciation. Activities that involve minimal pairs, such as exercises on understanding and producing consonant sounds, can help learners increase their sensitivity to the different sounds in English. By engaging students in minimal pair practice, teachers can help them improve their pronunciation and increase their clarity of communication in English.
The Student's Errors in Speaking English Asmaul Husna; Didik Santoso; Maulida Maulida; Santi Sari Devi Manurung; Syahwan Hamdany; Tara Arini
Jurnal Pendidikan Tambusai Vol. 8 No. 2 (2024)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

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Abstract

Penelitian ini berfokus pada investigasi kesalahan pelafalan siswa dalam berbicara bahasa Inggris, dengan peserta yang memenuhi kriteria khusus, termasuk minimal tiga tahun belajar bahasa Inggris dan kemahiran tingkat menengah. Wawancara dilakukan dalam bahasa Inggris, yang bertujuan untuk mengidentifikasi kesalahan pengucapan, yang dianalisis menggunakan analisis tematik. Temuan ini mengungkapkan kata-kata yang sering diucapkan salah dan kemudian dikoreksi oleh peneliti, yang kemudian diikuti oleh para siswa. Penelitian ini menyoroti tantangan yang dihadapi siswa dalam menguasai pelafalan bahasa Inggris dan menyoroti pentingnya mengatasi kesalahan-kesalahan ini dalam pembelajaran bahasa. Dengan menggunakan analisis tematik, penelitian ini memberikan wawasan yang berharga tentang sifat kesalahan pengucapan dan efektivitas strategi koreksi. Secara keseluruhan, penelitian ini berkontribusi dalam meningkatkan pemahaman dan strategi untuk meningkatkan kemampuan pelafalan di kalangan pelajar bahasa Inggris. Temuan ini menggarisbawahi pentingnya pendekatan pengajaran yang ditargetkan untuk mengatasi tantangan pelafalan dan menekankan peran pendidik dalam membimbing siswa untuk mencapai kemahiran pelafalan yang lebih baik.
Evidentiary Application Of Arbitration In The Indonesian Legal System Asmaul Husna; Alfania Pane; Bima Ilman Mirazha Hasibuan
ISNU Nine-Star Multidisciplinary Journal Vol. 1 No. 2 (2024): SEPTEMBER 2024 :ISNU Nine-Star_INS9MJ
Publisher : ISNU Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70826/ins9mj.v1i2.103

Abstract

In the dispute resolution mechanism both litigation and non-litigation such as arbitrary, proofing evidence process plays essential role to reconstruct the real occurrence in order to seek the truth. Proofing principles that is used in Indonesian arbitrary process is based on the Law number 30 year 1999 on arbitrary and alternative dispute resolution that is lex arbitri for Indonesia. Arbitrary is part of formal civil law, therefore its proofing principles is basically the same with the dispute resolution trough litigation. The Law number 30 year 1999 shows that Even though Indonesia is a civil law jurisdiction, there are some common law principles that are accommodated in the arbitrary process. Using conceptual and statute approach, this article attempts to look at proofing principles may arise in arbitrary mechanism based on the law mentioned and based on the actual practice.
Peran Budaya Organisasi dalam Meningkatkan Prestasi Akademik di Sekolah Asmaul Husna; Maulida Maulida; Nisa Febriyanti Tanjung; Santi Sari Devi Manurung
Khatulistiwa: Jurnal Pendidikan dan Sosial Humaniora Vol. 4 No. 3 (2024): September: Jurnal Pendidikan dan Sosial Humaniora
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/khatulistiwa.v4i3.3921

Abstract

The role of organizational culture in improving student academic achievement in schools. The research method used involved an analysis of the literature and previous studies highlighting the relationship between organizational culture and academic achievement. The results of the analysis show that building and strengthening organizational culture, such as a clear vision and mission of the school, effective leadership, open communication, community participation, and reward and recognition systems, contribute significantly to improving students' academic achievement. The references used in this article support the importance of a healthy organizational culture in creating a high-achieving and enjoyable learning environment for every student. The implications of these findings emphasize the need for schools to prioritize building a strong organizational culture to improve overall student academic achievement.