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The Impact of Online Loans on The Community in Sipirok Sub-District Isa, Muhammad; Siregar, Budi Gautama; Lubis, Aswadi
Journal of Islamic Financial Technology Vol 2, No 2 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i2.10361

Abstract

The discussion in this study is related to the impact of online lending. Impact on people who do online-based lenajaman. In connection with that, the approach taken is the study and theories of Islamic banking which discusses the impact, online-based loans. This research is a  field research  (direct research in the field) with a qualitative approach. The data sources used are primary data and secondary data, with data collection techniques through observation, interviews, and documentation.The results showed that the factors that cause people in Sipirok District to make  online-based loans, namely the procedure for borrowing money in online-based applications  are  easier to process and faster disbursement of money. The positive of  online-based loans for  people in Sipirok District is that the procedure for borrowing money in online-based applications is  easier to process and quickly disburse money, and their needs or emergency fund needs can be met quickly. While the negative impact is a deduction of administrative money that reaches 30% of the principal money, and an inhumane way of debt collection to consumers who are in arrears of loan installment payments.
THE EFFECT OF SUPEROVULATION INDUCTION USING FSH ON INCREASING FSH AND LH CONCENTRATIONS IN NEW ZEALAND WHITE RABBITS Wahyuni, Sri; Fathurrahman, Fadhil; Adam, Mulyadi; Syafruddin, Syafruddin; Roslizawaty, Roslizawaty; Hasan, Muhammad; Melia, Juli; Dasrul, Dasrul; Isa, Muhammad; Rosmaidar, Rosmaidar
Jurnal Kedokteran Hewan Vol 18, No 1 (2024): March
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21157/j.ked.hewan.v18i1.37513

Abstract

This study aimed to determine the concentrations of Follicle Stimulating Hormone (FSH) and Luteinizing Hormone (LH) in New Zealand White (NZW) rabbits after superovulation induction using FSH. Six female NZW rabbits and one male NZW rabbit were used in this study. Criteria for female NZW rabbits used include having previously given birth, not being pregnant, and having a body weight of 2-3 kg. The rabbits were divided into two treatment groups; the first group was injected with physiological NaCl (NZW1, n= 3), while the second group was injected with FSH (NZW2, n= 3). Injections of physiological NaCl or FSH were administered five times at 12-hour intervals and first injection was given at 20:00 p.m. In NZW1, each injection was given physiological NaCl with volumes of 0.2:0.2+0.2;0.4+0.4 mL, respectively whereas in NZW2, each injection was given FSH with doses of 4:4+4:8+8 mg, respectively. Twelve hours after the last FSH injection, NZW2 rabbits were injected with 100 IU hCG and mated with male rabbit, while NZW1 rabbits were mated without hCG administration. On days 1, 3, and 5 after mating, blood samples were collected for FSH and LH hormone examination using the Enzyme-Linked Immunosorbent Assay (ELISA) method. The FSH concentrations on days 1, 3, and 5 between NZW1 vs NZW2 were 34.781.46 vs 39.753.18; 41.434.90 vs 41.425.14; and 44.471.51 vs 30.130.19 mIU/mL, respectively (P0.05). The LH concentrations on days 1, 3, and 5 between NZW1 vs NZW2 were 33.784.01 vs 40.1812.36; 29.342.24 vs 31.3110.13; and 42.0911.38 vs 30.578.87 mIU/mL, respectively (P0.05). It is concluded that FSH administration does not affect the concentrations of FSH and LH in NZW rabbits. The FSH concentration five days after mating tends to fluctuate, while the LH concentration tends to decrease as the days increased.
THE EFFECT OF AEROB AND ANAEROBIC CONDITION AND ADDITION OF CaCO3 ON THE GROWTH AND ANTIBACTERIAL ACTIVITY OF LACTIC ACID BACTERIA ISOLATED FROM LAYER HENS INTESTINE AFTER ADMINISTRATED OF AKBISprob Nurliana, Nurliana; Khairunisa, Fauzia; Musni, Nailah; Vanda, Henni; Rasmaidar, Rasmaidar; Hasan, Muhammad; Asmilia, Nuzul; Sari, Wahyu Eka; Isa, Muhammad
Jurnal Kedokteran Hewan Vol 17, No 3 (2023): September
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21157/j.ked.hewan.v17i3.20309

Abstract

This study aimed to determine the effect of aerobic and anaerobic incubation, and the addition of CaCO on the growth and antibacterial activity of Lactic Acid Bacteria (LAB) isolated from laying hens intestines (strain ISA Brown) after given 4% AKBISprob. The LAB used in this study was the isolates strains that produced the strongest antibacterial activity with inhibition zone 5 mm. The treatments consisted of two incubations condition (aerobic and anaerobic) with five concentrations of CaCO3 (1%, 2%, 3%, 4%, and 5%). Each treatment consisted of three repetitions. Total Plate Count (TPC) method and the agar diffusion method were used to calculate the amount of LAB and antibacterial activity, respectively. The results showed that anaerobic conditions had a significant effect (P0.05) on the increase of LAB growth, but both of aerobic and anaerobic conditions (P0.05) did not show significant effect on antibacterial activity. The addition of CaCO3 had a significant effect (P0.05) on the increase in growth and antibacterial activity of LAB. Based on the results of the study, it can be concluded that anaerobic incubation can increase the growth of two isolate of LAB isolates (P31S72 and P31H62), however aerobic and anaerobic incubation have no effect on antibacterial activity. In addition, the administration of 3% CaCO3 can increase the growth and antibacterial activity of all LAB isolates.
ISOLASI DAN IDENTIFIKASI VIRUS AVIAN INFLUENZA PADA BERBAGAI SPESIES UNGGAS SECARA SEROLOGIS DAN MOLEKULER (Isolation and Identification of Avian Influenza in Different Species of Poultry by Means of Serological and Molecular Methods) Helmi, Teuku Zahrial; Tabbu, Charles Rangga; Artama, Wayan Tunas; Haryanto, Aris; Isa, Muhammad
Jurnal Kedokteran Hewan Vol 10, No 1 (2016): March
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21157/j.ked.hewan.v10i1.3378

Abstract

The purpose of this research was to identify avian influenza (AI) virus using serological and molecular methods on poultry which suspected as AI infected in Aceh province. This study used 37 samples of tracheal and cloacal swabs and organs from various species of poultry that were collected from several districts/cities in Aceh. Samples were collected and put into transport media and stored at 4 C before sending to the laboratory. Samples were inoculated in specific pathogen-free of embryonated chicken egg with the age of 9-11 days for further serological and molecular examination. From 37 samples which infected to embryonated chicken egg then followed by hemagglutinin agglutination test/hemagglutinin inhibition revealed that 7 samples were positively infected with AI virus. The amplification result of specific matrix gene primer was followed by electrophoresis on 2% agarose gel which were obtained in the form of a deoxyribonucleic acid (DNA) band at 276 bp for matrix gene and 1.725 bp for H5 gene for all isolates test. In conclusion, the virus which caused the death of various types of poultry in Aceh province is avian influenza A virus subtype H5.Key words: avian influenza virus, H5N1, serologic, matrix, heamaglutinin
RESPONS HSP-70 DAN KADAR KORTISOL AKIBAT PEMBERIAN KOMBINASI EKSTRAK JALOH DAN KROMIUM PADA AYAM BROILER YANG MENGALAMI CEKAMAN PANAS s, Sugito; Rahmi, Erdiansyah; Isa, Muhammad
Jurnal Kedokteran Hewan Vol 6, No 2 (2012): September
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21157/j.ked.hewan.v6i2.341

Abstract

Penelitian ini bertujuan mengetahui pengaruh pemberian kombinasi ekstrak jaloh dan kromium terhadap pembentukan heat shock protein-70 (HSP-70) dan kadar kortisol ayam yang mengalami cekaman panas. Dalam penelitian ini digunakan ayam broiler sebanyak 12 ekor yang dibagi atas empat perlakuan: Perlakuan I (EC), cekaman panas + dan kombinasi 1.000 mg ekstrak jaloh dengan 1.000 g kromium per liter air minum, perlakuan II (E), cekaman panas + 1.000 mg ekstrak jaloh per liter air minum, perlakuan III (KD), cekaman panas + 0,0 mg ekstrak jaloh dan 0,0 g kromium, dan Perlakuan IV (KL), tanpa cekaman panas dan 0,0 mg ekstrak jaloh dan 0,0 g kromium. Masing-masing perlakuan terdiri atas tiga ulangan. Metode pemberian cekaman panas dilakukan dengan meningkatkan suhu dalam kandang pada 331 C selama lima jam per hari dalam waktu lima belas hari. Pemberian kombinasi ekstrak jaloh dan kromium dilakukan dengan cara melarutkannya dalam air minum dan diberikan selama dua jam (pemberian pukul 10.00) sebelum suhu di dalam kandang mencapai 331 C. Pengambilan sampel serum dan jaringan paru dilakukan pada hari ke-15 pelaksanaan penelitian (ayam umur 36 hari). Pengambilan sampel darah dilakukan sebelum ayam dipotong dan jaringan organ paru diambil setelah ayam dipotong. Pada sampel serum dilakukan pemeriksaan kortisol dengan enzymelinkedimmunosorbantassay (ELISA) dan deteksi HSP-70 di dalam jaringan paru dilakukan menggunakan metode imunohistokimia. Hasil penelitian ini menunjukkan bahwa pemberian cekaman panas pada suhu 331 C selama lima jam per hari dapat meningkatkan pembentukan HSP-70 dalam paru dan kadar kortisol dalam serum. Pemberian ekstrak jaloh secara tunggal lebih efektif menurunkan jumlah HSP-70 pada jaringan paru dibandingkan jika dikombinasi dengan kromium.
Pengaruh Pendidikan Dan Pengalaman Kerja Terhadap Etos Kerja Karayawan PT Bank Muamalat Indonesia Kc Padangsidimpuan Nofinawati; Nasution, Adanan Murroh; Isa, Muhammad; Willy Syarif
Krigan: Journal of Management and Sharia Business Vol. 2 No. 1 (2024): Juni 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/krigan.v2i1.8407

Abstract

Abstrak Etos kerja karyawan pada PT. Bank Muamalat Indonesia, KC. Padangsidimpuan belum maksimal dan menunjukkan bahwa pendidikan kerja karyawan masih kurang dan pengalaman kerja karyawan juga rendah itu ditunjukkan dengan menurunnya kinerja PT. Bank Muamalat Indonesia. Tujuan penelitian ini adalah untuk mengetahui pengaruh pendidikan dan pengalaman kerja secara parsial dan simultan terhadap  etos kerja karyawan di PT. Bank Muamalat Indonesia, KC.Padangsidimpuan. Penelitian ini merupakan penelitian kuantitatif dengan menggunakan data primer. Instrumen pengumpulan data dilakukan dengan menggunakan angket. Pengambilan sampel pada penelitian ini menggunakan teknik non proboblity sampling yaitu sampel jenuh dengan jumlah sampel 15 responden yang diambil dari seluruh anggota populasi yaitu karyawan PT. Bank Muamalat Indonesia, KC.Padangsidimpuan. Adapun uji analisis yang digunakan dalam penelitian ini adalah uji validitas, uji reliabilitas, uji normalitas, uji asumsi klasik, uji t dan uji f dengan menggunakan bantuan SPSS versi 23. Berdasarkan hasil penelitian dan pengujian yang dilakukan menggunakan SPSS versi 23, hasil uji t menunjukkan bahwa terdapat pengaruh pendidikan terhadap etos kerja kerja karyawan di PT. Bank Muamalat Indonesia, KC.Padangsidimpuan. Dan terdapat pengaruh pengalaman kerja terhadap etos kerja karyawan di PT. Bank Muamalat Indonesia, KC.Padangsidimpuan. Begitu juga dengan hasil uji F menunjukkan bahwa terdapat pengaruh pendidikan dan pengalaman kerja terhadap etos kerja karyawan di PT. Bank Muamalat Indonesia, KC.Padangsidimpuan.   Abstract Work ethic of employees at PT. Bank Muamalat Indonesia, KC. Padangsidimpuan has not been optimal and shows that employee work education is still lacking and employee work experience is also low, which is shown by the decline in PT performance. Bank Muamalat Indonesia. The purpose of this research is to determine the partial and simultaneous influence of education and work experience on the work ethic of employees at PT. Bank Muamalat Indonesia, KC. Padangsidimpuan. This research is quantitative research using primary data. The data collection instrument was carried out using a questionnaire. Sampling in this study used a non-probability sampling technique, namely a saturated sample with a sample size of 15 respondents taken from all members of the population, namely employees of PT. Bank Muamalat Indonesia, KC. Padangsidimpuan. The analysis tests used in this research are validity test, reliability test, normality test, classical assumption test, t test and f test using SPSS version 23. Based on the results of research and testing carried out using SPSS version 23, the t test results show that there is an influence of education on the work ethic of employees at PT. Bank Muamalat Indonesia, KC. Padangsidimpuan. And there is an influence of work experience on the work ethic of employees at PT. Bank Muamalat Indonesia, KC. Padangsidimpuan. Likewise, the results of the F test show that there is an influence of education and work experience on the work ethic of employees at PT. Bank Muamalat Indonesia, KC. Padangsidimpuan.
Evaluation of the Practice Program in SMK Abdi Negara Binjai Isa, Muhammad; Hutasuhut, Sartika; Kurniawan, Deni; Azhar, Azhar; Wardah Manurung, Sri Rezeqi Rafiqah
EDUTEC : Journal of Education And Technology Vol. 6 No. 1 (2022): September 2022
Publisher : STAI Miftahul Ula Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29062/edu.v6i1.384

Abstract

This research was carried out at SMK Abdi Negara Binjai regarding the Evaluation of the Prakerin Program at the school, this study used a mixed method method, and the researchers aimed to understand the input stages (antecedents) carried out in the implementation of the internship program at SMK Abdi Negara Binjai, to determine the stages of the process. (transactions) are implemented in the implementation of the internship program at SMK Abdi Negara Binjai and to understand the stages of results (outputs) the program is implemented. As for this research, it is useful to provide benefits both theoretically and practically, such as providing an overview in carrying out the evaluation of the prakerin implementation by using the stake's countenance evaluation model so as to find out the extent of the shortcomings of this practice and how the ability to improve these deficiencies. the benefits above are theoretical benefits while practical benefits for schools this research can be used as evaluation material to improve the implementation of prakerin that has been carried out so that in the future schools can carry out activities well. One of the findings in this study reveals things that support the implementation of PRACTICE for students at SMK Abdi Negara Binjai. The things that support or support the implementation of the PRAKERIN program are the existence of program guidelines that are easy to understand and whose achievements can be measured, practical facilities that must be adequate both at school and at practice sites, mentoring resources, mental and physical readiness of PRAKERIN participants, and financial assistance from the committee. and the government is urgently needed for the achievement of goals and the successful implementation of learning and training in schools and including the implementation of the Industrial Work Practice program at SMK Abdi Negara Binjai
Analysis of Mineral Types, Density, and Porosity in the Lam Teuba Formation Using Infrared Spectroscopy Method Zahratun; Isa, Muhammad; Sugiyanto, Didik
Jurnal Penelitian Pendidikan IPA Vol 10 No SpecialIssue (2024): Science Education, Ecotourism, Health Science
Publisher : Postgraduate, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jppipa.v10iSpecialIssue.8115

Abstract

The Lam Teuba Formation is one of the local fault areas of the Seulimuem segment located in the Grand Mosque sub-district of Aceh Besar regency. The Lam Teuba Formation has several types of rocks such as basaltic andesite lava, pyrolastic flows, pyroclastic falls, and sedimentary rocks, namely claystone, limestone sandstone, agglomerate, limestone. Rocks have physical characteristics, namely density and porosity which have different values in each rock. This difference can be caused by the minerals contained in the rock. The method used to calculate the density and porosity values used the Archimedes method, and the identification of mineral types using the infrared spectroscopy method. The results of data processing obtained the highest original density value at location 1 sample 1 with a value of 3.42 and the lowest value at location 5 sample 2. The highest dry density value was in location 1 of sample 1 with a value of 3.33 and the lowest value was in location 5 of sample 2. The highest saturation density value was in location 1 of sample 1 with a value of 3.43, the lowest value was in location 5 of sample 2 with a value of 2.07. The average porosity value was the highest with a value of 5.41 in the poor quality category in sample 4, while the lowest value was 4.62 in the very bad category in sample 1. The types of minerals found in the Lam Teuba formation are illite, montmorillonite, kaolinite minerals with a mixture of smectite which is a clay mineral group and siderite minerals which are carbonate mineral groups.
Analysis of the Distribution of Carbon Monoxide Gas and Nitrogen Dioxide Gas and Urban Heat Island (UHI) Based on Multi-Temporal Satellite Data During the Implementation of the Covid-19 Vahreza, Anshar; Isa, Muhammad; Zaini, Nasrullah
Jurnal Penelitian Pendidikan IPA Vol 10 No 9 (2024): September
Publisher : Postgraduate, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jppipa.v10i9.8593

Abstract

The research aims to determine the distribution and concentration levels of CO and NO2 gases based on Sentinel-5P Satellite Image processing and UHI levels based on Landsat 8 Image processing during the implementation of Covid-19 Large-Scale Social Restrictions (PSBB) in Pekanbaru City. Data processing begins by extracting CO and NO2 gas data as well as Landsat 8 imagery via cloud computing on Google Earth Engine (GEE). The PSBB policy in Pekanbaru City came into effect in 2020. The PSBB policy will limit community activities, which will affect the concentration of CO and NO2 gases as well as UHI. The research results show that before the 2019 Covid-19 PSBB the respective concentrations of CO and NO2 gases were (CO: 4.16 x 10-3 mol/m2 – 4.70 x 10-3 mol/m2) and (NO2: 4, 16 x 10-5 mol/m2 – 5.68 x 10-5 mol/m2) with a UHI temperature of 34.23 0C. Then, when the PSBB was implemented in 2020, there was a decrease in the concentration of CO and NO2 gases to (CO: 2.87 x 10-3 mol/m2 – 3.20 x 10-3 mol/m2) and (NO2: 2.98 x 10-5 mol/m2 – 5.28 x 10-5 mol/m2) with the UHI temperature decreasing to 30.24 0C. However, CO and NO2 gas concentrations increased again after PSBB in 2021 to (CO: 2.90 x 10-3 mol/m2 – 3.31 x 10-3 mol/m2) and (NO2: 2.87 x 10-5 mol/m2 – 5.76 x 10-5 mol/m2) which was followed by an increase in the UHI temperature to 32.62 0C. Therefore, it is known that the concentration of CO and NO2 gases will affect UHI. If the concentration of CO and NO2 gas increases, the UHI temperature will also increase.
Perbandingan Pandangan Ulama Fiqih Dalam Penetapan Ujrah Pada Akad Rahn Emas Di BPRS Authors Muhammad Isa Isa, Muhammad; Adzkia, Nida
Jurnal Hukum Ekonomi Syariah Vol. 1 No. 1 (2018): Jurnal Hukum Ekonomi Syariah AT-TAHKIM
Publisher : INSTITUT AGAMA ISLAM TAZKIA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The question of an increase in the basic necessities of the community who wants to quickly fulfilled, the current lifestyle of luxury and convenience due to urgent need so that whatever is done to meet the necessities of life. Therefore in societies emerging practice moneylender or moneylenders, pawnshops illegal debt and usury. Then the unit services rahn gold in PT. BPRS Amanah Ummah Leuwiliang Bogor offers products rahn gold with gold rahn contract according Islamic law. Formulation of the problem in this research how the implementation contract rahn gold in BPRS Amanah Ummah PT. Leuwiliang, Bogor and whether the implementation contract rahn gold in BPRS Amanah Ummah PT. the determination of ujrah in accordance with the view of Hanafiyyah and Syafi’iyyah. The method of this research is qualitative research with the descriptive approach. The research data was obtained from the results of observations, interviews, and literature studies. This research is the contract rahn gold PT. BPRS Amanah Ummah implement three contract, such contract qard, contract ijarah and contract rahn. Determination of ujrah in practice at Bank rahn Amanah Ummah an ujrah of weight and gold levels warranted, because if ujrah adjusted to the amount of the loan then it is usury. Then based on the practice of the implementation contract rahn gold PT. BPRS Amanah Ummah in the determination of the imposition of ujrah have appropriate with the sect of Hanafiyyah and Syafi’iyyah.
Co-Authors Abir, Ismail Ahmad Adjeng Moelyati, Trisniarty Adzkia, Nida Agasta, Rio Ahmasi, Latif Al Aji, Mochamat Bayu Ali Hardana Almegi, Almegi Aris Haryanto Asnil Aidah Ritonga Athaillah, Farida Azhar Azhar Azwar Hamid Bayurini Samudra, Sari Cesarian, Dwiky Pobri Charles Rangga Tabbu Daniel Daniel Dasrul Dasrul Deni Kurniawan, Deni Didik Sugiyanto Efendi, Ilham Eka Safitri Elin Yusibani Erdiansyah Rahmi Fachruddin Azmi, Fachruddin Fadlilah, Hamni Fathurrahman, Fadhil Frengki Frengki, Frengki Ginting, Budi Setiawan Hambali Hambali Harahap, Desi Anora Heni Pujiastuti Henni Vanda Hutagaol, Abdul Latif Hutasuhut, Sartika Idris Saleh Irwansya, Muhammd Juli Melia Khairunisa, Fauzia Khurniawan, Deni Lestari, Emmi Lubis, Aswadi Lubis, Zulfahmi M. Yusuf Mesiono, Mesiono Mudofir, Imam Muhammad Hasan Muhammad Yusuf Ibrahim Mulyadi Adam, Mulyadi Murni Murni Musni, Nailah Mutia, Fara Nasution, Adanan Murroh Neliwati Nofinawati Nofinawati Nofinawati, Nofinawati Noviabahari, Jannatul Laily NURLIANA NURLIANA Nurul fadillah, Nurul Nuzul Asmilia Palupi, Dian Prasetyo Yekti Utomo Priatna, Rusdiana Putra, Septian Dwi Maulana Rahil Helmi Rahmadi Rahmadi Rasmaidar Rasmaidar Reza Aprianti, Reza Riski, Novia Roslizawaty Roslizawaty, Roslizawaty Rosmaidar Rosmaidar, Rosmaidar Rully Charitas Indra Prahmana Sari, Wahyu Eka Saudah Setyawan, Dimas Ari Simahatie, Mai SIREGAR, BUDI GAUTAMA Siti Aisyah Siti Khadijah Siti Sarah, Siti SRI RAHAYU Sri Wahyuni Suci Maulina Sugito Sugito Sukmawati, Nur Sulaeman Sulaeman Surbakti, Muhammad Syukri Sutantohadi, Alief Suyatmika, Yulita Syafruddin Syafruddin Tauvani, A Yuli Teuku Zahrial Helmi Umar, Muksin Utari, Lin Putri Vahreza, Anshar Wardah Manurung, Sri Rezeqi Rafiqah Wayan Tunas Artama Widodo, Yulius Harry Willy Syarif Yandy, Eza Tri Yani, Nuriza Yundari, Yundari Yusuf Hadijaya Zahratun Zaini, Nasrullah