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ISLAMIC LEGAL ANALYSIS OF SHARIA ECONOMIC DISPUTES REGARDING DEFAULT COMMITTED BY DEBTORS AT BANK OCBC NISP TBK, CQ. OCBC NISP SHARIA BUSINESS UNIT DURING COVID-19 ( DECISION NUMBER 2113/PDT.G/2024/PA.SBY ) Fauziah, Nur
Journal Of Sharia Banking Vol 6, No 2 (2025): Journal Of Sharia Banking
Publisher : Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jsb.v6i2.16626

Abstract

The COVID-19 pandemic has had a significant impact on various sectors, including the Islamic banking sector. One of the impacts is the increasing cases of default by debtors, especially in micro-financing channeled by institutions such as OCBC NISP Sharia Business Unit. In the context of Islamic law, default is understood as a violation of a valid contract according to sharia, but also provides leniency in emergency conditions such as a pandemic. This study aims to analyze debtor default against OCBC NISP Sharia Business Unit during COVID-19 based on an Islamic law perspective. The study uses a normative legal method with a qualitative approach through a literature study of primary, secondary, and tertiary legal sources. The results of the study show that Islamic law accommodates the principles of justice and welfare in resolving defaults, through approaches such as rescheduling, reconditioning, and restructuring. In addition, the Qur'an emphasizes the need for tolerance towards debtors who are experiencing economic difficulties. Therefore, the implementation of restructuring solutions in sharia financing during the pandemic is a form of implementing fair and civilized sharia principles.
Supervisi Edukatif Kolaboratif Untuk Meningkatkan Kinerja Guru Di SDN Jogoroto Jombang Fauziah, Nur
Jurnal Simki Pedagogia Vol 5 No 1 (2022): Volume 5 Nomor 1 Tahun 2022
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jsp.v5i1.95

Abstract

The purpose of this study is the implementation of supervision in improving teacher performance. Fun and meaningful learning is formed through the teacher's commitment in developing his performance. A teacher must always improve his professional abilities, knowledge, attitudes and skills continuously according to the development of science and technology including the new paradigm of education. The reality in the field of teachers in Jogoroto Jombang State Elementary School has low performance and insight. This is due to (1) low awareness of teachers to learn, (2) lack of opportunities for teachers to participate in training, both regionally and nationally, (3) the lack of effective PKG, (4) educational supervision aimed at improving the learning process tends to focus on administrative aspects. For the improvement of these conditions through collaborative educational supervision that is carried out periodically. This study uses action research with the number of classroom teacher subjects in SDN Jogoroto Jombang as many as 8 teachers. The research time is in the 1st semester of the 2019-2020 study year. Data collection uses observation and documentation. The results showed that the steps taken in collaborative supervision were as planned and the results were good.
Kualitas Visual Fasade Bangunan Modern Pasca Kolonial di Jalan Kayutangan Malang Fauziah, Nur; Antariksa, Antariksa; Ernawati, Jenny
RUAS Vol. 10 No. 2 (2012)
Publisher : Departemen Arsitektur Fakultas Teknik Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.ruas.2012.010.02.2

Abstract

Malang is one of the cities designed by Dutch with spesific attention to the aesthetic of urban environments. Kayutangan Street is a historic street corridor which plays a prominent role on the physical development of the city of Malang. In visual architectural context, a row of building facades along the Kayutangan streetscape is the main element of visual beauty and character creation of the characteristic in the Kayutangan corridor. The aims of this research are to investigate the general public and professional in the field of architecture judgment about the role of visual elements to the appearance of modern building facades in Kayutangan corridor, as well as to find out the most influential visual element to the appearance of modern building facades at Kayutangan Street. The method used is quantitative method by the independent sample t-test, factor analysis, and multiple linear regression analysis. The results showed that both groups of respondents rating are not much different, on a range of “less important” to “important” assessment scale. The visual components which are the most influential on modern building facades in Kayutangan Street are Geometric Component (architectural style, facade form, horizontal line, and vertical line). The next influential component is Visual Touching Effect & Color Dimension Component (texture, decorative ornament, material, facade color, saturation, brightness)Keywords: visual elements, modern building facade, Kayutangan streetscape
Exploring the Nexus of Islamic Modernism and Intellectual Development Fauziah, Nur
SocioHumania: Journal of Social Humanities Studies Vol 1 No 1 (2024): June : SocioHumania: Journal of Social Humanities Studies
Publisher : Pusat Riset dan Inovasi Nasional Mabadi Iqtishad Al Islami

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70063/sociohumania.v1i1.10

Abstract

This paper discusses Islamic modernism and the development of Islamic intellectualism. The method used is descriptive-analytical method with a historical approach. Its aim is to understand Islamic modernism and the development of Islamic intellectualism. The author finds that: First, Islamic modernism is a renewal of understanding that is more relevant to modern life, interpreting things to open the door of ijtihad and avoid blind adherence to schools of thought by thinking rationally in understanding and reflecting on Islamic teachings. Second, the development of Islamic intellectualism is divided into three eras. Each has a different pattern. The classical era began at the time of the Prophet Muhammad, where the development of Islamic intellectualism was practiced through teaching and education using methods of writing and memorization. In the medieval era, Islamic intellectualism began to flourish. Institutionalization began to emerge through theological movements, Sufism, and schools of thought. Furthermore, in the modern era, there is a struggle within Islamic intellectual tradition. The modern era seeks to eradicate superstition, myths, and innovations that have constrained the Muslim community.
Planetarium Glass Based on Augmented Reality to Improve Science Literacy Knowledge in Madura Primary Schools Ayu, Rr. Fadila Kusumaning; Jannah, Zahrotul; Fauziah, Nur; Ningsih, Tri Nadia; Manilaturrohmah, Manilaturrohmah; Suryadi, Devaldi Akbar; Budiarti, Rizqi Putri Nourma; Fitriyah, Fifi Khoirul
Jurnal Pendidikan Anak Vol 3 No 1 (2021): Early Childhood Innovative Learning Media: issue April
Publisher : Universitas Nahdlatul Ulama Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33086/cej.v3i1.1768

Abstract

One of the important branches of science on an international scale is scientific literacy. This study aimed to increase the science literacy knowledge of elementary school students on the material of the solar system. This study uses the ADDIE type Research and Development (R&D) method, starting from analysis, design, development, implementation, and evaluation. Expert testing of a learning product was carried out by users of the Planetarium Glass application, namely grade VI students of SDN Patengteng 2. The results of this media trial on 22 respondents showed 80% effectiveness. This research instrument uses an online questionnaire to users to determine the effectiveness of this learning media. The final result of the Planetarium Glass application media based on augmented reality is an application format that can be used by utilizing an android-based smartphone. This media provides information about the material of the solar system in the form of 3D virtual animation (3 dimensions) accompanied by an explanation of each object in audio form and is equipped with an application usage module. This media is designed to facilitate students' understanding in understanding the material of the solar system effectively and efficiently because students can see directly the material conveyed via the smartphone they use. Learning using the Planetarium Glass application can be used as an alternative learning media in increasing science literacy knowledge of elementary school students, especially in Madura.
Memperkuat Keunggulan Kompetitif UMKM melalui Legalitas Usaha di Kelurahan Ngestiharjo, Kabupaten Bantul, Yogyakarta: Indonesia Albari; Mulyati, Sri; Fauziah, Nur; Suhartini
Jurnal Abdimas Madani dan Lestari (JAMALI) Volume 08, Issue 2, September 2026
Publisher : UII

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jamali.vol8.iss2.art20

Abstract

Micro, Small, and Medium Enterprises (MSMEs) contribute significantly to state revenue. In addition to being the driving force of the Indonesian economy, MSMEs are also the most effective absorbers of labor, absorbing 96% of the national workforce. In Ngestiharjo Village, Kasihan District, Bantul, MSMEs are members of 24 Women's Farmer Groups (KWT). However, many entrepreneurs still lack business permits, such as a Business Identification Number (NIB) and a P-IRT Certificate. These entrepreneurs are unaware of the many benefits of having a business permit. This community service program aims to educate entrepreneurs and provide assistance in applying for NIB and P-IRT certificates. Possessing NIB and P-IRT permits is intended to increase their competitiveness and further expand their businesses. The methods used in this community service program include socialization of benefits, practice and assistance in applying for business legality permits.The training participants consisted of 24 representatives of MSMEs from the Women's Farmers Group in Ngestiharjo Village, Kasihan District, Bantul Regency. The expected outcome of this program is that these entrepreneurs will obtain legal business licenses, enabling them to expand their businesses.