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Strategi Marketing Funding dalam Meningkatkan Jumlah Nasabah di Bank BNI Syariah Parepare hardiyanti tahir; Zainal Said; Marhani
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 3 No 2 (2021): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v3i2.2156

Abstract

Penelitian ini membahas tentang Strategi Marketing Funding dalam Meningkatkan Jumlah Nasabah di Bank BNI Syariah Parepare. Strategi pada suatu bank merupakan hal yang sangat penting karena dengan adanya strategi yang baik akan mempermudah pekerjaan utamanya bagi seorang marketing funding dimana seorang marketing funding bertanggung jawab untuk meningkatkan jumlah nasabah bank. Terkait dengan hal tersebut tujuan dari penelitian ini adalah untuk mengetahui Strategi Marketing Funding dalam Meningkatkan Jumlah Nasabah di Bank BNI Syariah Parepare.. Jenis penelitian yang digunakan dalam skripsi ini adalah metode deskriptif kualitatif, sumber data penelitian yaitu data primer merupakan data yang diperoleh langsung di lapangan berdasarkan wawancara dengan informan yakni dengan nasabah dan karyawan funding Bank BNI Syariah Parepare dan data sekunder diperoleh dari beberapa sumber pendukung seperti buku, jurnal dan sumber data lainnya yang terkait dengan judul penelitian. Teknik pengumpulan data yang digunakan adalah observasi, wawancara, dan dokumentasi. Adapun teknik analisis data yang digunakan yaitu reduksi data, penyajian data, dan penarikan kesimpulan. Teori strategi yang digunakan dalam penelitian ini yaitu perencanaan, implementasi dan evaluasi. Hasil penelitian ini menunjukkan bahwa: 1) Perencanaan strategi yang dilakukan marketing funding dalam meningkatkan jumlah nasabah di BNI Syariah Parepare adalah dengan menentukan tujuan sasaran terlebih dahulu, adapun tujuan sasaran dari marketing funding BNI Syariah Parepare adalah Instansi dan Nasabah perorangan. 2) Implementasi strategi yang dilakukan marketing funding untuk mencapai tujuan sasaran tersebut adalah dengan melakukan sosialisasi ke istansi dan untuk nasabah perorangan dilakukan dengan cara melakukan kunjungan langsung door to door untuk meperkenalkan produk BNI Syariah. 3) Evaluasi strategi yang dilakukan marketing funding di BNI Syariah Parepare adalah dengan meninjau faktor internal dan eksternal, menilai kinerja yang telah dilakukan dengan melihat pencapaian target apakah target tersebut dapat dicapai dan terus mengalami peningkatan atau tidak dan jika tidak tercapai maka langkah selanjutnya adalah dengan melakukan tindakan perbaikan salah satunya yang dilakukan adalah dengan terus meningkatkan produk dan program bank syariah sehingga mampu untuk menarik minat masyarakat.
ANALISIS FATWA DSN-MUI NOMOR: 4/DSN-MUI/IV/2000 TENTANG AKAD MURABAHAH DALAM PENERAPAN HAK MILIK Andi Asruni; Zainal Said; Damirah
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 4 No 1 (2022): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v4i1.2651

Abstract

Bank Muamalat KCP Parepare is one of the Islamic banks whose operational activities implement a murabahah financing system. Regarding murabahah itself, it is clearly regulated in the DSN MUI fatwa No: 04/DSN-MUI/2000, concerning murabahah which states that "banks buy goods needed by customers on behalf of the bank itself and this purchase must be legal and free from usury". Meanwhile, in practice, the bank as the seller gives freedom to the customer to find the desired goods or vehicle for himself. This research is a field research using a qualitative approach. Data collection techniques used are observation, interviews, and documentation. The data analysis techniques used are data reduction, data presentation, and drawing conclusions. The results of this study note that the application of property rights in the murabahah contract at Bank Muamalat KCP Parepare where the murabahah object legally belongs to the muamalat bank then a murabahah contract is held with the customer. So that there is a transfer of ownership of the murabahah object that previously belonged to the bank and then became the property of the customer. This is of course in accordance with the fatwa No.04/DSN-MUI/IV/2000 concerning murabahah. The application of ownership rights at Bank Muamalat KCP Parepare can be said to be Al-Milk at-tam (perfect ownership) because after the implementation of the contract and signing of the contract, the murabahah financing object has become the legal property of the customer, meaning there is a transfer of ownership so that all rights and uses related to the object of the contract is fully the power of the customer.
The Perspective of the People on the Settlement of Criminal Cases Through Penal Meditation at Parepare City Ni'matul Ilmu Tahir; Zainal Said; Saidah Saidah
DELICTUM : Jurnal Hukum Pidana Islam Vol 1 No 1 (2022): DELICTUM: Jurnal Hukum Pidana Islam
Publisher : Program Studi Hukum Pidana Islam IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (309.97 KB) | DOI: 10.35905/delictum.v1i2.3190

Abstract

This study discusses the public perception of criminal cases through penal mediation in the perspective of jināyah fiqh in the city of Parepare. crime in the perspective of jināyah fiqh. This study uses a descriptive qualitative method that uses a normative and juridical theological approach, while the data sources in this study come from primary data, namely police reports from the Parepare Police and secondary data, namely data relating to documents, books, journals and others. The data collection techniques of this research are in the form of case studies, interviews and documentation. Criminal cases that occurred in Parepare City were caused by perception target factors, namely in the form of events, ways of thinking, and actions as well as public perceptions of criminal cases that were resolved through penal mediation so that it had a positive impact on the community because it was easy to do, benefited all parties, and the process implementation is not long.
IMPLEMENTASI UU NO. 23 TAHUN 2011 TENTANG PENGELOLAAN ZAKAT PADA BAZNAS KOTA PAREPARE Aidil Aditya; Zainal Said; Rukiah
Indonesia Journal Of Zakat And Waqf Vol 1 No 1 (2022): Indonesia Journal Of Zakat And Waqf
Publisher : Department Of Management Zakat and Waqf

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

Abstract

Zakat is one of the obligations of Muslims that has been stipulated in the Qur'an and explained in detail in the hadith of the Prophet Muhammad in its application, and also in the consensus of the scholars. BAZNAS (Badan Amil Zakat Nasional) of Parepare City is a non-structural institution in the local government in the field of managing, collecting, and utilizing zakat, infaq, and alms in Parepare City, which consists of government and community elements. This research is qualitative research with field research methods. This research was conducted by looking for data sourced from BAZNAS Parepare City, especially on the part of implementing zakat management and looking at the implementation of Law No. 23 of 2011, especially in Article 22 concerning Zakat issued by muzakki will be deducted from taxable results. The results of this study indicate that the management of zakat in Parepare City has been managed by BAZNAS of Parepare City since 2017 and its management is in accordance with the rules applied according to sharia and government regulations. However, local government employees in Parepare City are still around 20% who issue zakat. Law Number 23 of 2011 concerning the management of zakat related to zakat payments made by muzakki whose application is that zakat paid is deducted from taxable income has not been maximally implemented in the local government of the city of Parepare, this is because employees do not implement these rules and what is known is that only obligation to pay zakat.
Implementasi Keputusan Dirjen Bimas Islam Nomor 379 Tahun 2018 Dalam Pembentukan Keluarga Sakinah (Studi Di Kua Kecamatan Barru Kabupaten Barru) Firman Firman; Sudirman L; Zainal Said; Hannani Hannani; M. Ali Rusdi
Innovative: Journal Of Social Science Research Vol. 3 No. 3 (2023): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v3i3.3151

Abstract

Pelaksanaan Bimbingan Pranikah menurut Keputusan Dirjen Bimas Islam Nomor 379 Tahun 2018 di Kantor Urusan Agama Kecamatan Barru, yaitu , Keputusan Pimpinan Islam No. Implementasi UU No. 379 Tahun 2018 tentang Penyuluhan Perkawinan Bagi Calon Perkawinan terbukti sangat efektif, terbukti dengan banyaknya peserta yang mengakui bahwa penyuluhan perkawinan ini penting bagi mereka yang baru paham tentang perkawinan. Metode bimbingan perkwinan yang dilakukan di Kantor Urusan Agama Kecamatan Barru adalah metode cerama dengan bimbingan Mandiri yang pelaksanaanya 1 kai dala satu pekan yang dilaksanakan pada hari selasa pada pukul 08.00 sampai pukul 12 .00 karna Pernikahan adalah sarana bertemunya dua hati yang sangat berbeda sifat, watak, kecenderungan dan obsesi. Hambatan dan solusi implementasi pelaksanaan bimbingan yang dilakukan di Kantor Urusan Agama Kecamatan Barru yaitu dalam pelaksanaaan bimbingan perkawinan pemateri yang ditunjuk untuk menjadi narasumber pada kementerian Agama untuk memberikan bimbingan tatap muka tingakat kabupaten susah mengatur waktuknya dalam pelaksanaan tersebut sehingga tidak terjadwal dengan baik, kurangnya sosialisasi karna terbatas dengan Anggaran, bimbingan mandiri yang dilaksanakan dikantor urusan agama Kecamatan Barru tidak memiliki anggaran padahal dalam juknis untuk bimbingan mandiri ada 50 ribu setiap pasangan sehingga hal tersebut berpengaru juga pada pemateri di Kantor urusan agama , yang menjadi pemateri pada bimbingan mandiri di KUA Kecamatan barru yaitu penghulu, Penyuluh dan Kepala KUA , tidak ada pemetri dari luar padahal dalam juknis peserta bimbingan juga harus mendapat pengetahuan tentan kesehatan reproduksi, namun materi itu tidak didapatkan pada bimbinga mandiri, kalau pada bimbingan tatap Muka di kantor yang diadakan ditingkat kabupaten diberikan semua materi tersebut tetapi pelaksanaannya tidak bercalan dengan Baik.
Penerapan Fungsi Retribusi Pasar Terhadap Layanan Infrastruktur Pedagang Pasar Tradisional di Desa Batetangngga (Perspertif Hukum Ekonomi Islam ) Silvi Sustrihazlinda; Zainal Said; Rustam Magun Pikahulan
SIGHAT: JURNAL HUKUM EKONOMI SYARIAH Vol 2 No 2 (2024): SIGHAT: JURNAL HUKUM EKONOMI SYARIAH
Publisher : Program Studi Hukum Ekonomi Syariah, Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/shighat_hes.v2i2.9127

Abstract

The research investigates the traditional market levy in Batetangngga Village from an Islamic legal perspective. The aim of this study is to understand the function of market levies in providing trading facilities in the market. With two problem formulations: 1) how is the application of traditional market levies in Batetangngga Village, 2) How is the economic legal review of traditional market levies in Batetangngga Village. This research is qualitative using interview and observation techniques, and the data processing and analysis methods used in compiling this thesis are editing and verification. The results show that market levies in traditional markets come from the collection of business rental fees, cleanliness levies, electricity levies, and parking levies. These levies vary for each trader and are divided into several groups. Facilities available in Batetangngga Village traditional market include toilets, parking areas, and waste disposal facilities. The collection of levies in this traditional market does not comply with Islamic economic law because there are conditions not met by market officials, namely responsibility for repair and maintenance. However, market officials are not responsible for repairing facilities that have been paid for by traders. Taking away others' rights and causing harm to traders whose rights are taken is akin to stealing others' property. Taking someone else's rights is tantamount to committing injustice, a prohibition mentioned in the Qur'an and the Hadith of the Prophet.
Judge Consideration of Marriage Dispensation at Sidenreng Rappang Religious Court Sufri, Melda; Said, Zainal; Rauf, Aris
Al-Iftah: Journal of Islamic studies and society Vol 1 No 2 (2020): Al-Iftah: Journal of Islamic studies and society
Publisher : IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (112.909 KB)

Abstract

This study explains that applications for marriage dispensation at the Sidenreng Rappang Religious Court have increased from year to year, and in 2019 there were 222 cases. The purpose of this study is to describe the development of the marriage dispensation, analyze the reasons behind the application for a marriage dispensation, and reveal the judges' considerations regarding the intent of the Marriage Law in Article 7 paragraph 2 of Law Number 16 of 2019 concerning amendments to Law Number 1 of 1974 concerning marriage. This type of research is descriptive qualitative, the research location is at the Sidenreng Rappang Religious Court, for primary data sources, namely copies of decisions, marriage laws, judges, clerks and justice seeking societies and secondary data sources. The results of this study indicate that 1) Marriage dispensation at the Sidenreng Rappang Religious Court, from year to year always increases and in 2019 experienced a very sharp increase; 2) Based on cultural, educational, economic, environmental factors and pregnancy outside of marriage, and 3) Juridical analysis of the legal considerations of the Sidenreng Rappang Religious Court judge regarding the marriage dispensation Law Number 16 of 2019 and based on the rules of fiqhi and maqashid al-Syariah, the reality ignores several administrative requirements that can support judges' considerations to realize and guarantee the best interests of children.
CHILD LINEAGE DETERMINATION IN UNDERAGE MARRIAGES: A PROGRESSIVE JUDICIAL PERSPECTIVE Syafruddin, Rezki Amaliah; Basri, Rusdaya; L, Sudirman; Said, Zainal; Muchsin, Agus
Al-Risalah VOLUME 24 NO 1, MAY (2024)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-risalah.vi.44186

Abstract

This research examines the legal and sociological dynamics in the determination of a child's lineage within the framework of Indonesian law, particularly focusing on cases that deviate from established regulations. Specifically, the study analyzes Decision No. 90/Pdt.P/2023/PA.Pare, where a child born from an unregistered marriage was declared legitimate despite the non-fulfillment of age requirements by one of the parents. The research employs a normative juridical approach through library research, utilizing document studies to gather relevant legal and sociological data. This method facilitates a comprehensive analysis of the legal reasoning applied in the case, with a focus on how the judge arrived at the decision to grant the petition for child legitimacy. The findings indicate that the judge's legal discovery method in this case was conducted on a case-by-case basis, taking into account both juridical and sociological factors. The decision reflects a progressive legal approach, where the judge prioritized the broader implications of justice and social welfare over strict adherence to legal formalities. This study contributes to the understanding of how progressive legal thought can influence judicial decisions in cases involving deviations from standard legal provisions. It offers a unique analysis of how judges may interpret the law flexibly to achieve just outcomes in complex family law cases. The research highlights the potential for progressive legal reasoning to shape future judicial practices in Indonesia, particularly in cases involving the legitimacy of children born from unregistered marriages. It suggests that such approaches could lead to more equitable outcomes in family law, aligning legal decisions with contemporary social realities.
Legalitas Pernikahan Via Live Streaming aalam Perspektif Hukum Islam: Legality of Marriage Via Live Streaming Islamic Legal Perspective Rusdaya Basri; Amiruddin; Agus Muchsin; Zainal Said; Rahmawati
IQRA JURNAL ILMU KEPENDIDIKAN & KEISLAMAN Vol 19 No 1: Januari 2024
Publisher : Fakultas Agama Islam, Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/iqra.v19i1.4778

Abstract

Penelitian ini membahas tentang legalitas pernikahan via live streaming dalam persfektif hukum Islam penelitian tesis ini bertujuan untuk mengetahui legalitas serta realita pernikahan via live streaming, landasan yuridis pernikahan via live streaming serta bagaiamana pandangan para ulama klasik dan kontemporer menyikapi pernikahan via live streaming. Jenis penelitian ini adalah penelitian pustaka (library research) yang bersumber dari kitab-kitab ulama empat mazhab yang membahas pernikahan dan yang terkait dengannya, buku-buku yang terkait hukum pernikahan, jurnal ilmiah, yang resmi menjadi pegangan dan berkaitan dengan pokok bahasa penelitian. Hasil Penelitian ini menunjukkan bahwa (1) Pernikahan via live streaming merupakan pernikahan yang diselengarakan oleh pasangan yang tidak dapat melaksanakan pernikahan secara langsung serta berada dalam situasi jarak yang jauh sehingga mengharuskan terjadinya akad melalui jalan telekomunikasi suara serta gambar yang tayang dilayar. (2) Hukum akad nikah menurut peraturan pernikahan di Indonesia sudah memenuhi rukun dan syarat pernikahan serta tidak bertentangan dengan Kompilasi Hukum Islam, maka pernikahan tersebut sah. Hal ini dikuatkan dengan ketentuan pasal 27 sampai dengan pasal 29 Kompilasi Hukum Islam. (3) Para ulama berbeda pendpat dalam masalah legalitas pernikahan live streaming, Ulama dari Mazhab Hanafi dan Hambali condong membolehkan pernikahan disebabkan mereka tidak mensyaratkan kesatuan tempat antara ijab dan qabul. Berbeda dengan para ulama dari kalangan Mazhab Malikiyah dan Syafi‘iyah mereka cenderung lebih ketat dan mengharuskan ittihadul majelis, masalah ini berkaitan erat dengan masalah syahadah (kesaksian) dalam akad nikah, saksi harus dapat melihat serta menyaksikan dengan mata kepala, bahwa rangkaian pengucapan ijab kabul benar-benar dilakukan sebagaimana yang telah ditentukan, dan ijab kabul itu benar-benar dari dua orang yang sedang melakukan akad.
Epistimologi Politik: Studi Atas Politik Hukum Undang-Undang Perbankan No. 10/1998 Zainal Said; Irwan Abdullah; Lasiyo Lasiyo
Jurnal Studi Pemerintahan Vol 3, No 1 (2012): February 2012
Publisher : Department of Government Affairs and Administration, Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jgp.2012.0010

Abstract

Legal and political system is a subsystem in the community. Each perform a specific function to move the social system as a whole. A rill, a national banking law norms contained in Law no. 7/1992 concerning Banking as amended by Law no. 10/1998 provide less public protection arrangements (social protection) than in community settings (social deregulation). The Law. 7/1992 on banking, as amended by Law No. 10/1998 which does not restrict the ownership of commercial banks. In a company where there are differences in ownership of company shares a number of very big difference, it will be found the majority shareholder in one hand and minority shareholders, on the other by differences in the number of voting rights is striking. Lessons of the past shows that the majority principle causes ¬'s minority shareholders are in a position of powerlessness and disadvantage in enforcing their interests. Legal position of minority shareholders who number more weak and unable to deal with actions that harm the directors or commissioners of the company, it is caused by the position of the majority shareholder of which is identical with the company's second organ, both physically and interests.