Articles
EKSEKUSI PERJANJIAN KREDIT DENGAN JAMINAN FIDUSIA DI ERA PANDEMI (TELAAH KAJIAN MASLAHAH MURSALAH)
Imam Rofiqi;
Rusfandi Rusfandi;
Anita Anita
Jurnal Jendela Hukum Vol 10 No 1 (2023): JENDELA HUKUM
Publisher : Fakultas Hukum Universitas Wiraraja
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DOI: 10.24929/jjh.v10i1.2861
The government has a program for small entrepreneurs in terms of activating the provision of credit to weak economic groups for the welfare of people's lives. Credit granting programs with a Fiduciary system can help credit recipients and credit providers. If the guarantee right can be executed quickly with a simple, efficient process and contains legal certainty, this is one of the parameters of a material debt guarantee. This research method uses the Juridical Empirical method, which is an approach taken to analyze the effectiveness of a regulation/legislation or existing law. In this case the approach is used to analyze qualitatively the implementation of fiduciary guarantees in Indonesia. This study uses primary data, namely data obtained directly from the field through an interview process and secondary data, namely examining various legal materials through library research. The analysis used in this research is qualitative analysis which draws conclusions using deductive analysis. Fiduciary Guarantee Law Number 42 of 1999 regulates the execution of Fiduciary Guarantees in Indonesia where there are various variations of the execution, therefore the parties can choose which execution model they want. However, in practice how to carry out the execution of fiduciary guarantees when there are problem loans, many still do not know, especially the implementation in pawnshops, which in fact have just handled the fiduciary system installment credit program. Which model is used by creditors throughout Indonesia. It is hoped that by knowing the system, model or method of executing fiduciary guarantees in this study, people will know more about the ins and outs, their rights and the consequences when taking credit with fiduciary system installments to creditors.
METODE RGEC DAN ISLAMICITY PERFORMANCE INDEX DALAM MENGANALISIS KINERJA BANK SYARIAH
Mustagfirin Ardiansyah;
Anita Anita
Tazkiya Vol 21 No 2 (2020): Juli - Desember 2020
Publisher : Pusat Kajian Islam dan Kemasyarakatan (PKIK), UIN Sultan Maulana Hasanuddin Banten
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Penelitian ini bertujuan untuk mengetahui kinerja keuangan Bank BNI Syariah berdasarkan pengukuran Risk profile, Good corporate governance, Earnings, dan Capital (REGC) dan islamicity performance index. Diujikan kepada laporan keuangan Bank BNI Syariah tahun 2015-2019. Penelitian ini dianggap penting sebagai dasar evaluasi kinerja perusahaan dalam mengelola dan mengalokasikan sumber dayanya sekaligus mengukur penerapan prinsip syariah. Hasil analisis membuktikan bahwa kinerja bank BNI Syariah periode tahun 2015 hingga 2019 berdasarkan indikator RGEC dalam keadaan baik sedangkan pada metode islamicity performance index (IPI) kinerja bank BNI Syariah periode tahun 2015 sampai 2019 dalam keadaan kurang baik atau kurang memuaskan. Hal ini menunjukan kurang optimalnya pelaksanaan nilai-nilai syariah dan sosial pada prinsip-prinsip ajaran islam di dalam kegiatan aktivitas dan operasional bank BNI Syariah.
PENGUKURAN TINGKAT KESEHATAN PERBANKAN SYARIAH DI MASA PANDEMI COVID-19
Anita Anita
Tazkiya Vol 22 No 1 (2021): Januari - Juni 2021
Publisher : Pusat Kajian Islam dan Kemasyarakatan (PKIK), UIN Sultan Maulana Hasanuddin Banten
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Tingkat kesehatan perbankan sangat penting sebagai tolak ukur keberhasilan suatu bank dalam mengelola dan menjalankan fungsi intermediasi dana masyarakat. Salah satu indikator pengukuran tingkat Kesehatan perbankan yaitu dengan metode CAMELS, yakni suatu pengukuran dengan perhitungan berdasarkan beberapa rasio keuangan yang meliputi aspek Permodalan, Kualitas Aktiva Produktif, Manajemen, Pendapatan, Likuiditas dan risiko pasar. Adapun tujuan penelitian ini adalah untuk mengukur tingkat Kesehataan Bank Umum Syariah periode 2019-2020, dengan menggunakan metode CAMELS dan mengoperasionalkan rumus dari rasio CAR, KAP, NPM, ROA, BOPO dan Market Risk. Data sekunder diperoleh berupa laporan keuangan 13 bank umum syariah yang dijadikan sampel. Dari hasil perhitungan analisis CAMELS didapat bahwa selama periode 2019-2020 kesehatan bank umum Syariah masuk dalam kategori sehat dan berdasarkan uji sampel berpasangan dengan SPSS diperoleh hasil bahwa tidak nampak perbedaaan kinerja bank umum Syariah sebelum dan saat terjadi gonjangan covid 19
Tantangan dan Peluang UMKM dalam Membangun Inovasi Bisnis Islami di Era VUCA
Safiatur Rokhmah;
Elsa Elsa;
Asep Dadan Suganda;
Anita Anita
Tazkiya Vol 23 No 1 (2022): Januari - Juni 2022
Publisher : Pusat Kajian Islam dan Kemasyarakatan (PKIK), UIN Sultan Maulana Hasanuddin Banten
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Perkembangan keuangan syari’ah di Indonesia meningkat secara pesat sehingga menjadi sebuah tantangan sekaligus peluang bagi dunia usaha dan memiliki potensi yang besar untuk meningkatkan ekonomi dan juga bisnis-bisnis di Indonesia. Usaha Mikro Kecil dan Menengah (UMKM) yang memiliki peran sebagai salah satu pondasi perekonomian diharapkan dapat memulihkan krisis ekonomi yang terjadi saat ini. UMKM berpeluang besar dalam menyerap tenaga kerja sehingga perlu ditingkatkan dan dimaksimalkan. Namun sebagian besar lembaga keuangan belum memiliki kepercayaan terhadap UMKM karena penghasilan yang diperoleh oleh pelaku usaha UMKM sangat kecil sehingga hanya sedikit UMKM yang meminjam uang untuk modal usaha di lembaga keuangan Kemudian RUU Cipta Kerja juga diharapkan bagi UMKM akan menjadi motor penggerak pertumbuhan ekonomi yang berkeadilan dan terciptanya pemerataan kesejahteraan masyarakat. Artinya, kesejahteraan dapat merata di seluruh lapisan masyarakat. Bisnis digitalisasi juga menjadi peluang besar dalam memasarkan UMKM terutama di era new normal ini. Tujuan penulisan ini adalah untuk menggambarkan berbagai tantangan dan peluang pengelolaan SDM UMKM dalam Membangun Inovasi Bisnis Islami di Era VUCA. Permasalahan dan solusi yang harus dilakukan agar SDM UMKM dalam membangun Inovasi Bisnis Islami dapat terus beraktivitas dan produktif dalam menghadapi tantangan dan visi baru Indonesia yang mandiri, makmur, dan madani serta menjadi pusat ekonomi syariah terkemuka dunia. Oleh karena itu, akan dibahas tentang apa saja yang menjadi tantangan dan peluang dalam Membangun Inovasi Bisnis Islami di Era VUCA serta meningkatkan daya saing UMKM di era global.
Analisis Kadar Timbal (Pb) pada Minyak Goreng Berulang oleh Pedagang Gorengan
Wa Ode Rustiah;
Anita Anita;
Dewi Arisanti;
Muawanah Muawanah;
Mirnawati Mirnawati
Lontara Journal of Health Science and Technology Vol 5 No 1 (2024): Ilmu dan Teknologi Kesehatan
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Politeknik Kesehatan Muhammadiyah Makassar
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DOI: 10.53861/lontarariset.v5i1.429
People have a lifestyle that tends to involve consuming junk food. Fried food is popular among the public because it is fast to serve and easy to obtain. However, the public is less aware of the safety level of fried food sold on the roadside, including fried food sellers' repeated use of cooking oil. Fried food sellers generally operate on the side of the road, where it is highly likely that lead metal (Pb) from dust particles and fumes from passing vehicles will settle in the frying pans and finished fritters. This research aims to determine the levels of Pb in cooking oil repeatedly used by fried food traders around the Muhammadiyah Makassar Health Polytechnic campus. The study was conducted as a laboratory experiment by collecting 10 samples of cooking oil repeatedly used by fried food traders. Based on the results of qualitative tests using the color reaction test method with 10% K2CrO4, 3 samples tested positive while 7 samples tested negative. Subsequently, a quantitative test was conducted by analyzing the Pb levels using the Atomic Absorption Spectrophotometry method. The levels obtained were 0.1317 mg/kg for sample B, 0.2163 mg/kg for sample H, and 0.1589 mg/kg. The maximum allowable limit for lead (Pb) contamination, as stipulated in the Regulation of the Head of BPOM RI No. HK.00.06.1.52.4011 of 2009, is 0.1 mg/kg. Therefore, it can be concluded that cooking oil for frying on the roadside around the Muhammadiyah Makassar Health Polytechnic campus, when repeatedly used, can lead to increased levels of lead (Pb), as evidenced by 3 samples exceeding the maximum allowable limit.
ANALISIS MISKONSEPSI BERBANTUAN CRI (CERTAINTY OF INDEX) DALAM MODEL PEMBELAJARAN DIFFERENSIASI PADA SISTEM PERNAPASAN MANUSIA
Anita Anita;
Billyardi Ramdhan;
Setiono Setiono
EDUPROXIMA : Jurnal Ilmiah Pendidikan IPA Vol 6, No 1 (2024)
Publisher : Universitas Bhinneka PGRI
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DOI: 10.29100/.v6i1.4414
Tujuan penelitian yang dilakukan untuk mengetahui kesalahpahaman siswa dan menjelakan alasan mereka munculnya kesalahpahaman material tentang sistem pernapasan manusia. Penelitian ini termasuk ke dalam metode penelitian kuantitatif diikuti 21 peserta didik kelas VIII di salah satu sekolah di Kabupaten Sukabumi. Instrumen yang digunakan adalah two tier test disertai dengan CRI (Certainty of Index), respon siswa pada model pembelajaran differensiasi berbasis multiple intelligences. Hasil penelitian menunjukan siswa memiliki miskonsepsi terhadap materi sistem pernapasan yang terdiri dari stuktur organ serta fungsinya, mekanisme dan penyakit pernapasan pada manusia 36,90%, adapun ketika di kelompokan menjadi 3 kelompok menjukan peserta didik mendapatkan miskonsepsi pada anak kinestetik 37,50%, anak linguistik 37,50% dan anak visual 35,42%. Kesimpulan dari hasil pembahasan ini faktor yang menyebabkan miskonsepsi terjadinya kesalahpahaman adalah peserta didik beragumentasi dengan keyakinannya sendiri, dan metode pengajaran.
Analisis Kadar Asam Salisilat Pada Bedak Tabur Yang Beredar Di Kota Makassar
Rahmawati Rahmawati;
Anita Anita;
Amaliyah Firdausa
Lontara Journal of Health Science and Technology Vol 3 No 2 (2022): Ilmu dan Teknologi Kesehatan
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Politeknik Kesehatan Muhammadiyah Makassar
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DOI: 10.53861/lontarariset.v3i2.305
Loose powder is a cosmetic preparation in the form of a fine, soft, homogeneous powder so that it is easy to apply to the skin with the content in it must be safe. Salicylic acid works as a keratolytic, comedolytic and as a bacteriostatic, opening clogged pores on the skin. The purpose of this study was to identify and determine the levels of salicylic acid contained in loose powder samples. This type of research is a laboratory observation with the object of research is loose powder. This research is descriptive using color test method and spectrophotometric method, as many as 10 samples of loose powder. The results showed that there were 9 samples that were negative or did not contain salicylic acid and 1 positive sample contained salicylic acid which was indicated by a purple color change with a salicylic acid content of 0.030%. Thus, it can be concluded that in 10 samples of loose powder, 9 samples were negative and 1 sample positive with a salicylic acid content of 0.030% not exceeding the 2% threshold that has been set in accordance with the Regulation of the Head of BPOM RI Number Hk.03.1.23.08. 11.07517 of 2011 concerning Technical Requirements for Cosmetic Ingredients. Keywords: loose powder, salicylic acid, color test, spectrophotometri
Identifikasi Telur Nematoda Usus Golongan Soil Transmitted Helminth (STH) Pada Kuku Petani
Dewi Arisanti;
Tuty Widyanti;
Andi Fatmawati;
Waode Rustiah;
Anita Anita;
Andi Rosmawati
Lontara Journal of Health Science and Technology Vol 4 No 1 (2023): Ilmu dan Teknologi Kesehatan
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Politeknik Kesehatan Muhammadiyah Makassar
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DOI: 10.53861/lontarariset.v4i1.324
A farmer is someone who works in agriculture and is in direct contact with the soil every day without using personal protective equipment. Some farmers also use organic fertilizer as an additional fertilizer to fertilize plants. Coupled with personal hygiene and low environmental sanitation, these things are factors that cause infection with soil-transmitted helminth worms. The purpose of this study was to identify the eggs of intestinal nematodes of the STH class on the nails of farmers. This research was conducted by laboratory observation using the flotation research method. The object of this research is the nails of farmers in Kampuno Village, Barebbo District, Bone Regency, with 30 samples. The results of the research conducted were that 2 samples (6.67%) were positive for STH worm eggs, namely hookworm, and 28 samples (93.3%) were negative; no STH worm eggs were found. So, it can be concluded that two samples of intestinal nematodes of the STH group were found on the nails of farmers.
Analisis Kadar Timbal (Pb) pada Minyak Goreng Berulang oleh Pedagang Gorengan
Wa Ode Rustiah;
Anita Anita;
Dewi Arisanti;
Muawanah Muawanah;
Mirnawati Mirnawati
Lontara Journal of Health Science and Technology Vol 5 No 1 (2024): Ilmu dan Teknologi Kesehatan
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Politeknik Kesehatan Muhammadiyah Makassar
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DOI: 10.53861/lontarariset.v5i1.429
People have a lifestyle that tends to involve consuming junk food. Fried food is popular among the public because it is fast to serve and easy to obtain. However, the public is less aware of the safety level of fried food sold on the roadside, including fried food sellers' repeated use of cooking oil. Fried food sellers generally operate on the side of the road, where it is highly likely that lead metal (Pb) from dust particles and fumes from passing vehicles will settle in the frying pans and finished fritters. This research aims to determine the levels of Pb in cooking oil repeatedly used by fried food traders around the Muhammadiyah Makassar Health Polytechnic campus. The study was conducted as a laboratory experiment by collecting 10 samples of cooking oil repeatedly used by fried food traders. Based on the results of qualitative tests using the color reaction test method with 10% K2CrO4, 3 samples tested positive while 7 samples tested negative. Subsequently, a quantitative test was conducted by analyzing the Pb levels using the Atomic Absorption Spectrophotometry method. The levels obtained were 0.1317 mg/kg for sample B, 0.2163 mg/kg for sample H, and 0.1589 mg/kg. The maximum allowable limit for lead (Pb) contamination, as stipulated in the Regulation of the Head of BPOM RI No. HK.00.06.1.52.4011 of 2009, is 0.1 mg/kg. Therefore, it can be concluded that cooking oil for frying on the roadside around the Muhammadiyah Makassar Health Polytechnic campus, when repeatedly used, can lead to increased levels of lead (Pb), as evidenced by 3 samples exceeding the maximum allowable limit.
The Moderating Effect of Corporate Governance on the Relationship between Sustainability Performance and Financial Performance
Anita Anita;
Agustini Fatmasari
CoMBInES - Conference on Management, Business, Innovation, Education and Social Sciences Vol. 4 No. 1 (2024): The 4th Conference on Management, Business, Innovation, Education and Social Sc
Publisher : Universitas Internasional Batam
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This research is intendedto determine the influence of corporate governance on the relationship between sustainability performance and financial performance. The research method used is quantitative data obtained from the BEI (Indonesian Stock Exchange) website. The sample selection procedure used a purposive sampling method from 767 listed companies and only 53 companies met the criteria. Research results using software statistical program for social science(spss) and eviews 10 which proves that the size of the board of directors, CEO duality and female top board members have no effect on sustainability performance. The independence of the board of directors has a significant negative effect on sustainability performance. Furthermore, researchers also found that governance cannot moderate the relationship between sustainability and financial performance. Research data was collected using panel data regression analysis using time series data and cross-sectional data. The research findings conclude that the higher the level of governance in a company, the better it can pay attention to sustainability performance issues and can be used as a reference in making policies for the government and helps to use additional references regardingGRI (Global Reporting Initiative) disclosure.