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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.
Implications of Infertility in Building Household Integrity From an Islamic Legal Perspective (Study in Parepare City) Silvana Herman; Rusdaya Basri; Zainal Said; Sudirman L; Hannani
International Journal of Health, Economics, and Social Sciences (IJHESS) Vol. 6 No. 1: January 2024
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/ijhess.v6i1.3890

Abstract

The main study in this research is the Implications of Infertility in Fostering Household Integrity from an Islamic Legal Perspective (Study in Parepare City). In fact, the purpose of marriage is not only to worship, but also to produce offspring. The results of the research show that (1) There is a mismatch in the expectations of married couples in having children in the city of Parepare, which is not the least of married couples in the city of Parepare who experience infertility. (2) Factors that influence the household integrity of couples who experience infertility in the city of Parepare are Religion, Love and Economics (3) The implication of infertility for couples who experience it in the city of Parepare is that there is a lot of pressure from the family to immediately give birth to children. Which ultimately gives rise to a deep sense of disappointment felt by the sufferer. So some sufferers choose to practice polygamy and adopt children from their own families.
Empowerment of Religious Values in Controlling Divorce Rates in Parepare City (Analysis of the Role of Religious Institutions) Mulki Sahnur; Agus Muchsin; Rusdaya Basri; M. Nasri Hamang; Zainal Said
International Journal of Health, Economics, and Social Sciences (IJHESS) Vol. 6 No. 2: April 2024
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/ijhess.v6i2.3912

Abstract

The aim of this research is to describe the factors that influence the high divorce rate in Parepare City. Next, it provides an analysis of religious relations in response to the high divorce rate and the role of religious institutions in minimizing the occurrence of divorce in Parepare City. This research is a type of qualitative descriptive research with a field research style with a phenomenological approach which is useful for exploring the factors that influence the high divorce rate in Parepare City as well as religious relations and the role of religious institutions in minimizing the divorce rate in Parepare City. The primary data source for this research was obtained from direct interviews with religious institutions in Parepare City. The research results show: 1). Several factors for the high divorce rate in Parepare City are due to domestic violence, then other factors are also due to a person's level of education in married life, and the factor of not fulfilling a living both physically and mentally and a factor in the occurrence of divorce is a person's low religious values. 2). Divorce law is something that requires clear causes and conditions regarding the time the divorce occurred. Because if a divorce is carried out without any particular reason and without paying attention to the conditions or time of the divorce, the divorce may not be carried out. Divorce from a religious perspective is something that can definitely happen as a result of marriage, but divorce is the thing that is most hated by Allah and His Messenger. 3). The role of religious institutions in Parepare City in reducing the high divorce rate is by optimizing the function of the BP4 institution which plays a role as an educational, consultative and marriage empowerment institution. Apart from that, the BP4 institution also provides competent staff such as expert advisors and religious instructors who are expected to be able to carry out their roles in broadcasting religious messages in accordance with the beliefs of those they train.
Deauthorization of Illegal Officiants in Siri Marriages in Mallusetasi District, Barru Regency Abdul Rahman Awan; Sudirman; Zainal Said; Fikri; M. Ali Rusdi
International Journal of Health, Economics, and Social Sciences (IJHESS) Vol. 6 No. 2: April 2024
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/ijhess.v6i2.4616

Abstract

This research discusses the Illegal Officiating in Siri Marriages in Mallusetasi District, Barru Regency, that siri marriages are marriages that are not registered with the Office of Religious Affairs (KUA) and are not in accordance with State laws and regulations. This type of research is field research which is carried out in the middle of the research object in order to find out and obtain clear data using qualitative description methods. Research carried out in the field examines problems of a qualitative nature. The data collected is generally in the form of words, pictures and number books. The data collection uses observation, interview and documentation techniques, by analyzing the data using data reduction, data presentation and drawing conclusions. The process of solving the main problem is of course in accordance with the main problem of formulating. The results of this research are. 1) The Social Context of Siri Marriage in Mallusetasi District, Barru Regency, the most important thing is the validity of the marriage according to religious (Islamic) law, even though legally in the country the marriage does not have legal legality. 2) The implementation procedure for a Siri Marriage in Mallusetasi District, Barru Regency is not much different from an official marriage. Siri marriages carried out in the village are legal if the harmony is fulfilled and the marriage is carried out by a local religious shop or Imam who is considered by the community to understand Islam. 3) Illegal Penghulu Authority in Siri Marriages in Mallusetasi District, Barru Regency. In fact, the celebrant does not have any authority but only helps the community to carry out their wedding. Even the informant himself still advised the public to take matters into their own hands with the KUA
Status of Children from Unregistered Marriage Based on Minister of Home Affairs Regulation No. 109 of 2019 (Study of the Barru Regency Capil Population Service) Suhera; Agus Muchsin; Zainal Said; Sudirman; Saidah
International Journal of Health, Economics, and Social Sciences (IJHESS) Vol. 6 No. 2: April 2024
Publisher : Universitas Muhammadiyah Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56338/ijhess.v6i2.4617

Abstract

Children are the most precious gift of marriage, and their physical and spiritual rights and needs must be met. Based on existing laws and regulations, the state recognizes and guarantees these rights by providing a birth certificate as proof and legal recognition. Marriages must be registered in accordance with Law Number 1 of 1974 which regulates marriage as a condition for registering the birth of a child. Therefore, knowing the status of children resulting from unregistered marriages is important and procedures for registering the birth of children resulting from unregistered marriages provide legal certainty. 1) What is the substance of Minister of Home Affairs Regulation Number 109 of 2019 regarding children resulting from unregistered marriages. 2) What factors influence the status of children who are not registered in the Minister of Home Affairs Regulation Number 109 of 2019 Capil Barru Regency. 3). How to Legally Settle Children Resulting from Unregistered Marriages Minister of Home Affairs Regulation Number 109 of 2019 Study of the Barru Regency Capil Population Service. This type of research is field research which is carried out in the middle of the research object in order to find out and obtain clear data using qualitative description methods. Research carried out in the field examines problems of a qualitative nature. The data collected is generally in the form of words, pictures and number books. The data collection uses observation, interview and documentation techniques, by analyzing the data using data reduction, data presentation and drawing conclusions. Based on the research results, it can be concluded that the condition of children born from marriages that are not registered means that there is no authentic evidence that the child was born from a valid marriage. Based on the results of interviews with Barru Regency Capil employees, unregistered marriages result in difficulties in the process of obtaining certificates for children. Therefore, every marriage must be registered in order to provide full legal certainty and justice in the fulfillment of children's rights.