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All Journal Jurnal Ekonomi Bisnis Syariah Jurnal Teknologi Pendidikan Madrasah
M. Zakariah
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Economics, Econometrics & Finance

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ANALISIS MEKANISME PENGGUNAAN AKAD RAHN DALAM TRANSAKSI GADAI SAWAH MENURUT PERSPEKTIF HUKUM ISLAM DI DESA POLENGA KECAMATAN WATUBANGGA KABUPATEN KOLAKA Lilis Antiani; M. Zakariah; Kasmiah Kasmiah
Jurnal Ekonomi Bisnis Syariah Vol 3 No 1 (2020): Jurnal Ekonomi Bisnis Syariah
Publisher : IAI Al-Mawaddah Warrahmah Kolaka

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The practice of pawning rice fields in the people of Polenga Village, Watubangga District, Kolaka Regency. The mechanism shows that there are several things that are considered burdensome and can harm one of the parties who have contracted. Therefore, the author will examine the practice of pawning that occurs in the people of Polenga Village, Watubangga District, Kolaka Regency, by analyzing problems regarding the perspective of Islamic law on the mechanism of pawning practice, as well as the use of rice fields which are used as collateral for pawning.The main problem in this research is how the mechanism of implementing land pawning (rice fields) in the community of Polenga Village, Kec. Watubangga ?, and what is the perspective of Islamic law on the implementation of pawning land (rice fields) in the people of Polenga Village, Watubangga District ?. The purpose of this study is to determine the implementation mechanism of the pawn practice and the perspective of Islamic law on the pawning mechanism.The research method used includes the type of research in the form of qualitative research, and the data sources of this study are the pawker (rahin) and the pawning recipient (murtahin). Furthermore, the data collection methods used were observation, interviews, documentation and literature study, then the processing and analysis techniques used were descriptive qualitative.The results showed that the pawning system in Polenga Village generally pawned (rahin) came to the pawnshop recipient (murtahin) to borrow money to meet their needs with rice fields as collateral. The right to control or use the rice fields is in the hands of the pawning recipient until the debt is paid off. The right to cultivate is still in the hands of the pawner, but the results are divided in 2 between rahin and murtahin. Debt payment has a time limit for 2 harvests, but if it is due but the pledge is not able to pay the money, the tempo has not been determined anymore so that it can cause the pawning contract to drag on. If viewed from the point of view of implementation the contract has met the pillars and conditions of the pawn The practice of pawning which is carried out indefinitely with the use of rice fields as collateral is fully controlled by the pawn recipient is not valid according to Islamic law.
PENGARUH GADAI AGUNAN BUKU PEMILIK KENDARAAN BERMOTOR (BPKB) TERHADAP PENGEMBANGAN USAHA KECIL DAN MENENGAH (UKM Risna Risna; M. Zakariah; Sulman Sulman
Jurnal Ekonomi Bisnis Syariah Vol 3 No 1 (2020): Jurnal Ekonomi Bisnis Syariah
Publisher : IAI Al-Mawaddah Warrahmah Kolaka

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The problem of this research is that business growth in society is getting higher but these entrepreneurs or entrepreneurs lack the capital to develop their business.The formulation of the problem in this study is whether there is an effect of BPKB collateral pawning on the development of small and medium enterprises (UKM) at PT. Pegadaian Kolaka. The purpose of this study was to analyze whether the BPKB collateral pawning could affect the development of small and medium enterprises (UKM).The research method used includes quantitative research types, using purposive sampling technique. The population is the customers of PT. Pegadaian Kolaka that took BPKB collateral pawning products, namely KREASI Products, totaling 107 customers. For the dependent variable (Y), namely the development of small and medium enterprises (UKM), for the independent variable (X). Collecting data using a questionnaire and analyzed using a simple regression test.The results of this study are that there is a significant effect between BPKB pawning on the development of SMEs, the percentage yield is 66.4%, while the difference from the percentage means it is owned by other factors
PENERAPAN MODEL PEMBELAJARAN PICTURE AND PICTURE DALAM MENINGKATKAN PEMAHAMAN PESERTA DIDIK MENGENALI HURUF HIJAIYAH DI KELAS 2 SDN 1 SILEA Ahmad Nabilal; M. Zakariah
Jurnal Teknologi Pendidikan Madrasah Vol 8 No 2 (2025): Jurnal Teknologi Pendidikan Madarasah
Publisher : Universitas Sains Islam Al Mawaddah Warrahmah Kolaka

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The learning implementation that occurs at SDN 1 Silea is considered to lack variety in learning, making learning monotonous. The basic difficulty in recognizing hijaiyah letters is the difficulty in naming, showing and differentiating hijaiyah letters which have similar shapes but differ in pronunciation. This is in accordance with initial observations made previously on grade 2 students at SDN 1 Silea. Only a small percentage of students understand the level of mastery, of 19 students only 26% succeed. This shows that the learning process was not successful. The problem that can be raised in this research is how the learning process is in recognizing hijaiyah letters in class 2 of SDN 1 Silea and how to use the picture and picture learning model to increase students' understanding of recognizing hijaiyah letters in class 2 of SDN 1 Silea. Meanwhile, the aim of the research is to determine the learning process in recognizing hijaiyah letters in class 2 of SD N 1 Silea and to determine the use of the picture and picture learning model in increasing students' understanding of recognizing hijaiyah letters in class 2 of SDN 1 Silea.The research methods used include a qualitative approach with the type of classroom action research (PTK); The research subjects were 19 class 2 students at SDN 1 Silea; The research procedures carried out included four stages, namely action planning, action implementation, observation and reflection; Research instruments include observation sheets, interview guidelines, documentation guidelines and tests. This research is said to be successful if the total of 19 students reaches 70% or overall has reached KKM 70 in the subject of Islamic Religious Education in hijaiyah letter material in the use of the picture and picture learning model. The results of the research showed that the process of learning hijaiyah letters using the repeated lecture and question and answer method used by the teacher was not successful where in initial observations only 5 students completed it with a percentage of 26%. By using the picture and picture learning model on hijaiyah letter material, recognizing hijaiyah letters has increased. Where in cycle I the percentage of students' achievement of learning completeness was 63%, while in cycle II the achievement of learning completeness reached a percentage of 100%.
Co-Authors Ahmad Nabilal Kasmiah Kasmiah Lilis Antiani Risna Risna Sulman Sulman