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STUDI HUKUM ISLAM TERHADAP KONTRAK PERJANJIAN BANKING CARDS Ari Kartini
Jurnal Hukum Ekonomi Syariah Vol 1, No 2 (2017): JURNAL HUKUM EKONOMI SYARIAH (DESEMBER 2017)
Publisher : Universitas Muhammadiyah Makassar

Penelitian Ini Bertujuan Untuk Mengetahui Bagaimana Studi Hukum Islam Terhadap Kontrak Perjanjian Banking card (Kasua Hasanah card Bank BNI Syariah) dengan mengetahui pelaksanaan akad sesuai dengan prinsip syariah, bagimana bentuk/mekanisme kontrak perjanjian, bagaimana persepsi nasabah terhadap hasanah card.Jenis Penelitian Yang Digunakan Penulis Adalah Kualitatif. Kualitatif yaitu menjelaskan dan menguraikan data-data yang telah dikumpulkan, Metode pengumpulan data dengan wawancara, observasi, dan dokumentasi. Wawancara di lakukan pada marketing banking card khusus hasanah card, coustumer sevics, dan nasabah bank BNI Syariah cabang Makassar. Untuk menguji Keabsahan data dengan menggunakan teknik uji trianggulasi.Hasil penelitian menunjukkan bahwa kartu kredit hasanah card BNI syariah hukumnya boleh, karena dalam akad hasanah card sudah memenuhi rukun dan syarat terjadinya akad dalam Islam serta sesuai dengan prinsip syariah. Kontrak perjanjian hasanah card ada beberapa tahapan antara lain Al-Ariyah (perjanjian kredit), Al-Wakalah (perjanjian pemberian kuasa), dan Al-Kafalah (perjanjian penanggungan). Persepsi nasabah terhadapa banking card dilihat dari berbagai sisi dari pengetahuan nasabah kurang mengetahui akad-akad yang di gunakan dalam hasanah card, dari sisi Diskon dan promo kurang hal ini mengakibatkan minat nasabah terhadap produk ini tidak mengalami kenaikan signifikan, akan tetapi tidak mengurangi kenyamanan dan tingkat harga pricing yang di miliki bank BNI Syariah masih tetap kompetitif sekalipun diskon ada atau kurang, kemudian untuk pelayanan terhadap nasabah sangat baik dan tidak ada komplain nasabah terhadap fasilitas yang ada di bank BNI syariah.Kata kunci: hukum islam, kotrak perjanjian(akad), hasanah card.

Analisis Butir Soal Ujian Madrasah Bahasa Indonesia Berdasarkan Tingkat Berpikir Siswa di KKM 1 Garut Komariah, Iis; Agus Hamdani; Nizar Alam Hamdani; Encep Suherman; Ari Kartini
Al Qodiri : Jurnal Pendidikan, Sosial dan Keagamaan Vol. 21 No. 1 (2023): Al Qodiri : Jurnal Pendidikan, Sosial dan Keagamaan
Publisher : Lembaga Penelitian, Pengabdian kepada Masyarakat dan Publikasi Ilmiah (LP3M) Institut Agama Islam (IAI) Al-Qodiri Jember, Jawa Timur Indonesia bekerjasama dengan Kopertais Wilayah 4 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/qodiri.2023.21.1.298-306

This study aims to analyze the madrasah exam questions based on the level of thinking of students. The discussion in this study includes the level of effectiveness of the sentences in the questions, the validity of the questions, the reliability and level of difficulty, the discriminating power index, the effectiveness of deceptive items and grouping questions based on the thinking levels of Order Thinking Skills (LOTS), Middle Order Thinking Skills (MOTS), and Higher Order. Thinking Skills (HOTS). The research conducted included descriptive research types of document analysis. The documents analyzed were grid documents, Indonesian language madrasa exam questions at MTsN 1 Garut which consisted of 35 multiple choice questions and 5 descriptions and answer sheets for examinees. The results obtained based on the research that has been done are as follows. First, the sentences used in the Indonesian language madrasa exam questions at MTsN 1 Garut already use effective sentences. Second, the validity of the questions shows that there are 23 valid questions and 17 invalid questions. Third, the reliability level of multiple choice questions is high, while the description questions are in the moderate category. Fourth, the difficulty level of the questions is 14 questions in the easy category, 4 questions in the medium category, and 14 questions in the high category. Fifth, the level of discrimination is 8 low categories, 18 medium categories, and 14 high categories. Sixth, the effectiveness of the distractor, as many as 15 questions function properly and 20 questions do not function properly. It contains 1 question in the Level Order Thinking Skills (LOTS) category, 19 questions in the Middle Order Thinking Skills (MOTS) category, and 20 questions in the Higher Order Thinking Skills (HOTS) category.

STUDI HUKUM ISLAM TERHADAP KONTRAK PERJANJIAN BANKING CARDS Ari Kartini
Jurnal Hukum Ekonomi Syariah Vol 1, No 2 (2017): JURNAL HUKUM EKONOMI SYARIAH (DESEMBER 2017)
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/j-hes.v1i2.2298

Penelitian Ini Bertujuan Untuk Mengetahui Bagaimana Studi Hukum Islam Terhadap Kontrak Perjanjian Banking card (Kasua Hasanah card Bank BNI Syariah) dengan mengetahui pelaksanaan akad sesuai dengan prinsip syariah, bagimana bentuk/mekanisme kontrak perjanjian, bagaimana persepsi nasabah terhadap hasanah card.Jenis Penelitian Yang Digunakan Penulis Adalah Kualitatif. Kualitatif yaitu menjelaskan dan menguraikan data-data yang telah dikumpulkan, Metode pengumpulan data dengan wawancara, observasi, dan dokumentasi. Wawancara di lakukan pada marketing banking card khusus hasanah card, coustumer sevics, dan nasabah bank BNI Syariah cabang Makassar. Untuk menguji Keabsahan data dengan menggunakan teknik uji trianggulasi.Hasil penelitian menunjukkan bahwa kartu kredit hasanah card BNI syariah hukumnya boleh, karena dalam akad hasanah card sudah memenuhi rukun dan syarat terjadinya akad dalam Islam serta sesuai dengan prinsip syariah. Kontrak perjanjian hasanah card ada beberapa tahapan antara lain Al-Ariyah (perjanjian kredit), Al-Wakalah (perjanjian pemberian kuasa), dan Al-Kafalah (perjanjian penanggungan). Persepsi nasabah terhadapa banking card dilihat dari berbagai sisi dari pengetahuan nasabah kurang mengetahui akad-akad yang di gunakan dalam hasanah card, dari sisi Diskon dan promo kurang hal ini mengakibatkan minat nasabah terhadap produk ini tidak mengalami kenaikan signifikan, akan tetapi tidak mengurangi kenyamanan dan tingkat harga pricing yang di miliki bank BNI Syariah masih tetap kompetitif sekalipun diskon ada atau kurang, kemudian untuk pelayanan terhadap nasabah sangat baik dan tidak ada komplain nasabah terhadap fasilitas yang ada di bank BNI syariah.Kata kunci: hukum islam, kotrak perjanjian(akad), hasanah card.

ANALISIS WACANA KRITIS SARA MILLS TERHADAP REPRESENTASI NIKITA MIRZANI DALAM PEMBERITAAN MEDIA ONLINE INDONESIA Sumiati Agphyra S; Asep Nurjamin; Ari Kartini
JURNAL KONFIKS Vol 12 No 4 (2025): KONFIKS
Publisher : LEMBAGA PENELITIAN DAN PENGABDIAN PADA MASYARAKAT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/5aj3dh08

This study is grounded in the tendency of online media to represent female public figures in ways that often contain gender bias and specific moral constructions. News coverage of Nikita Mirzani serves as a relevant case for examining how women are positioned within legal and social discourse through media framing. The purpose of this research is to analyze the representation of women by exploring the construction of subject, object, writer, and reader positions in news texts using Sara Mills' critical discourse analysis approach. This research employs a qualitative descriptive method, with data collected through documentary study of news articles published by Detik.com, Mind of the People, Kompas.com, and CNN Indonesia. The analysis was conducted by identifying patterns in the placement of female actors within the texts and comparing the narrative strategies used by each media outlet. Data validity was ensured through source triangulation and repeated readings to maintain consistency in interpretation. The findings reveal significant differences in representational construction. Detik.com and CNN Indonesia tend to portray Nikita Mirzani as an active, assertive, and rational subject in responding to legal issues, while Pikiran Rakyat and Kompas.com emphasize her emotional dimension and moral positioning as a public woman. These findings indicate that women's representation in the media remains influenced by patriarchal values that shape power relations within news narratives. This study highlights the importance of critical media awareness in fostering fairer and more gender-sensitive representations, while also contributing to the development of critical discourse analysis in the context of Indonesian digital media.

ANALISIS SIMBOLIS PADA KARYA SASTRA DALAM MODUL AJAR BAHASA INDONESIA SMA KELAS X: KAJIAN SEMIOTIKA ROLAND BARTHES Nurhalimah; Ari Kartini; Zoni Sulaiman
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 11 No. 01 (2026): Volume 11 No. 01 Maret 2026 Published
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v11i01.43311

This research is motivated by the fact that many students in literature learning only understand the text in its literal meaning. Thus, this research can make learning materials more effective and help in achieving the objectives of the Independent Curriculum. The data are in the form of short story excerpts and lines of poetry in the Indonesian language teaching module for senior high school class: X. This study aims: 1) to determine how the forms of denotative and connotative meanings that appear in literary works of short stories and poetry in the Indonesian language teaching module for class: X of the independent curriculum are based on Roland Barthes' semiotic theory, 2) to determine how the construction of symbolic meaning in literary works of short stories and poetry in the Indonesian language teaching module for class: X of the independent curriculum, and 3) to determine how the construction of myths in literary works of short stories and poetry in the Indonesian language teaching module for class: X of the independent curriculum. The research method uses descriptive qualitative, with data collection through documentation studies. The research results revealed that the analysis of symbolic, denotative, and connotative meanings, as well as myths, in short stories and poems included in the Indonesian language teaching module for senior high school grade X found 85 data points. This indicates the presence of symbolic, denotative, and connotative meanings, as well as myths, in 20 data points from short stories and 65 points from poems. Based on the analysis of short stories and poems, the researchers concluded that this study expands Roland Barthes's semiotics by applying it to pure literary works such as short stories and poems in the Indonesian Language Teaching Module for Grade X of the Merdeka Curriculum. Therefore, the results can contribute to the development of teaching materials in schools.

NARASI DAN PERSPEKTIF JURNALIS TERHADAP ISU KESETARAAN GENDER(ANALISIS WACANA KRITIS SARA MILLS PADA MEDIA ONLINE INDONESIA) Dina Agustriani; Ari Kartini; Asep Nurjamin; Agus Hamdani
JURNAL KONFIKS Vol 13 No 1 (2026): KONFIKS
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/ajyykr33

Penelitian ini menganalisis representasi guru perempuan PPPK yang menggugat cerai suami dalam media daring menggunakan pendekatan Analisis Wacana Kritis Sara Mills. Fokus penelitian berada pada posisi subjek dan objek, peran gender, serta konstruksi kuasa yang muncul dalam narasi berita. Data diperoleh dari berita online Indonesia yang memberitakan fenomena perceraian guru perempuan setelah menerima SK PPPK. Hasil analisis menunjukkan perempuan diposisikan sebagai subjek aktif dengan legitimasi ekonomi dan kemampuan mengambil keputusan rumah tangga, sedangkan laki-laki lebih banyak diposisikan sebagai objek pasif. Pemberitaan menekankan konflik psikologis, tekanan peran ganda, dan ketidakpuasan rumah tangga sebagai faktor yang memengaruhi keputusan perceraian. Temuan ini selaras dengan penelitian sebelumnya yang menyoroti representasi perempuan dalam media dan transformasi posisi gender dalam relasi sosial. Penelitian ini memberikan wawasan tentang bagaimana media daring membentuk persepsi kuasa dan gender dalam konteks sosial dan rumah tangga. Kata Kunci: Analisis Wacana Kritis, Sara Mills, perceraian, representasi gender, media daring.

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