Jelita Jelita
Institut Agama Islam Negeri Palangka Raya

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BUDAYA “NYETRUM” DALAM MEMPERTAHANKAN EKONOMI MASYARAKAT MENDAWAI SEBERANG PANGKALAN BUN Jirhanuddin Jirhanuddin; Jelita Jelita; Ahmad Habibie
AL-QARDH Vol 1, No 1 (2016): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (135.166 KB) | DOI: 10.23971/jaq.v1i1.624

Abstract

Electric shock activity is an activity of an electric discharge into the water to look for fish using a stun. This activity is a way to sustain the local economy of the challenges existing conditions. Because of some reasons such as easy, effective and efficient this way is still used. Another reason this way is still used is because of economic necessity, small capital, and another effort is difficult to do.Even in preserving the environment, the Local Government who has authority in this case issued a regional regulation. Moving on from these problems, the writer wants to know the important role of the Electric shock activity at RT 01 Mendawai Seberang as the foundation to sustain the local economy as well as its impact, with the problem of the studies are (1) How does the Electric shock activity at RT 01 Mendawai Seberang Pangkalan Bun? (2) How is the role of culture in Electric shock activity on maintaining the local economy at RT 01 Mendawai Seberang Pangkalan Bun? (3)What is the impact of Electric shock activity for ecosystems and humans? This research is using qualitative descriptive approach. The subjects of this research are people who live in RT 01 Mendawai as the fisherman who use stun to look for fish. The object of this research is the culture of Electric shock activity in maintaining the local economy RT 01 Mendawai Seberang Pangkalan Bun. The techniques used in data collection are observation, interview and documentation. In the technical validity of the data, the researcher was used a triangulation process.             The results from the culture of electric shockonmaintaining economic society at the RT. 01 Mendawai Seberang Pangkalan Bunis an activity that has long been done and the result of cultural transformation that has been handed ancestors.This activity is one way to sustain the local economy of the challenges existing conditions. Using a stun for fishing has several factors because it is easy, effective and efficient.Economicnecessity, the capital required is not too large, another effort is difficult to do, and the domicile is the reason behind this culture is still being conducted until today. The impact of electric shock toward the ecosystem of fish just a little bit because it is not spent the ecosystem of fish. Only a small portion is taken for the purposes of trade. Whereas the impact on the fishermanthemselves the possibility exists, if its application is not appropriate and not in accordance with the existing procedures could harm the fishermanthemselves.Electric shock activity is an activity of an electric discharge into the water to look for fish using a stun. This activity is a way to sustain the local economy of the challenges existing conditions. Because of some reasons such as easy, effective and efficient this way is still used. Another reason this way is still used is because of economic necessity, small capital, and another effort is difficult to do.Even in preserving the environment, the Local Government who has authority in this case issued a regional regulation. Moving on from these problems, the writer wants to know the important role of the Electric shock activity at RT 01 Mendawai Seberang as the foundation to sustain the local economy as well as its impact, with the problem of the studies are (1) How does the Electric shock activity at RT 01 Mendawai Seberang Pangkalan Bun? (2) How is the role of culture in Electric shock activity on maintaining the local economy at RT 01 Mendawai Seberang Pangkalan Bun? (3)What is the impact of Electric shock activity for ecosystems and humans?                This research is using qualitative descriptive approach. The subjects of this research are people who live in RT 01 Mendawai as the fisherman who use stun to look for fish. The object of this research is the culture of Electric shock activity in maintaining the local economy RT 01 Mendawai Seberang Pangkalan Bun. The techniques used in data collection are observation, interview and documentation. In the technical validity of the data, the researcher was used a triangulation process.             The results from the culture of electric shockonmaintaining economic society at the RT. 01 Mendawai Seberang Pangkalan Bunis an activity that has long been done and the result of cultural transformation that has been handed ancestors.This activity is one way to sustain the local economy of the challenges existing conditions. Using a stun for fishing has several factors because it is easy, effective and efficient.Economicnecessity, the capital required is not too large, another effort is difficult to do, and the domicile is the reason behind this culture is still being conducted until today. The impact of electric shock toward the ecosystem of fish just a little bit because it is not spent the ecosystem of fish. Only a small portion is taken for the purposes of trade. Whereas the impact on the fishermanthemselves the possibility exists, if its application is not appropriate and not in accordance with the existing procedures could harm the fishermanthemselves.
PENJUALAN PRODUK iB HASANAH CARD MELALUI PROMOTION MIX PADA BNI SYARIAH CAB. KOTA PALANGKA RAYA Jirhanuddin Jirhanuddin; Jelita Jelita; hasanah hasanah
AL-QARDH Vol 1, No 1 (2016): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (66.974 KB) | DOI: 10.23971/jaq.v1i1.625

Abstract

Promotion and selling is an important function that the key to successful banking operations. Banks should be able to see the needs and tastes of the dynamic market with highly competitive conditions. Moreover, products and services in Islamic banking is still new and is not widely known to the public so it must have its own character in the marketing and sales strategies. And here the authors are interested in researching the product sales iB Hasanah Card through the promotion, because it is supported also by the narrative of one of the employees of BNI sharia city of Palangkaraya stating that there is significant influence on variables Promotion product mix on sales volume iB Hasanah this card, plus another in 2015, Bank Indonesia (BI) has issued rules restricting the credit card ownership by age and income.The formulation of the problem in this research; (1) How does the product characteristics iB Hasanah card (2) How can the sale of products iB Hasanah Card. This field research using qualitative descriptive approach, which is the object of research is the sale of products through the iB Hasanah Card Promotion mix on BNI Syariah Cab. While the research subjects were 2 employees in positions related. Methods of data collection using observation, interviews, and documentation. While the validity of the data is also attested by the triangulation technique, and then the data were analyzed through the method of collection, reduction, display, and Conclusions.With a wide range of references theory used to support the research, the results showed that, the sale of products iB Hasanah Card through the promotion mix that has the largest percentage is advertising, which have a percentage of both is personal selling, the third is a public relations (public relations) or publicity and the percentage The fourth is a sales promotion. Where the largest percentage occurred in 2015 which amounted to 4.18% and the lowest percentage occurred in 2012 which amounted to 1.45%. Based on the results of the above data can be authors conclude also that in 2014 to 2015 only the advertising decreased from 65.97% to 60.38% it reinforces the reasons of the problems occurred that a change in Bank Indonesia Regulation No.14 / 2 / PBI / 2012 dated January 6, 2012 on Amendment to Bank Indonesia Regulation Number 11/11 / PBI / 2009 regarding Organization Card Payment Instrument.
Praktik Tabungan Minyak Masyarakat Desa Kantan Atas, Pulang Pisau, Kalimantan Tengah Titi Martia Ningsih; Jelita Jelita; Hanief Monady
Al-Aflah Vol 1, No 2 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/al-aflah.v1i2.4591

Abstract

Praktik Tabungan Minyak di masyarakat Desa Kantan Atas Kecamatan Pandih Batu Kabupaten Pulang Pisau Provinsi Kalimantan Tengah memiliki hal yang unik dan lain dibandingkan tabungan atau arisan ibu-ibu pada umumnya, dikarenakan ada sistem pengelolaan keuangan yang berbeda. Artikel ini menggunakan metode kualitatif dan dengan cara mendeskripsikan apa yang ditemukan di lapangan. Artikel ini berusaha untuk menggambarkan praktik tabungan minyak tersebut dan menjelaskannya secara deskriptif untuk tidak menghilangkan kerincian dan kelengkapan dari metodologi penelitian ini. Hasil yang didapatkan dari penelitian lapangan ini adalah bahwa praktik tabungan minyak tersebut selain untuk menabung juga ternyata perkumpulan tersebut memberikan pinjaman kepada para anggotanya dan memberikan bunga sebesar 5% dari uang pokok yang dipinjam. Jika dilakukan peninjauan melalui perspektif Ekonomi Islam, maka fenomena pemberian bunga ini masuk pada bagian dari riba Qard yakni riba yang terjadi ketika pengelola tabungan minyak mensyaratkan penambahan nominal pada pengembalian atas pinjaman yang dilakukan anggota. Kegiatan ini termasuk dalam syirkah dan praktik pemberian bunga pinjaman kepada anggotanya ini termasuk ke dalam jenis maslahat mulgah, yakni kemaslahatan yang ditolak karena bertentangan dengan hukum syariat agama Islam. Sehingga praktik tabungan minyak masyarakat Desa Kantan Atas, Pulang Pisau, Kalimantan Tengah ini tergolong menodai nilai keadilan dalam berekonomi.