Articles
<![CDATA[Islamic Economic Analysis Reviews: The Practice of Transparency of Effective Flat Banking Installment Systems ]]>
<![CDATA[Rahma Yudi Astuti]]>
<![CDATA[ Al Tijarah Vol 4, No 1 (2018): June 2018 ]]>
Publisher : <![CDATA[Universitas Darussalam Gontor ]]>
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DOI: 10.21111/tijarah.v4i1.2451
<![CDATA[This paper is motivated by the existence of customers who do not understand the installment system that should be explained by the bank when offering their products. While the delivery of product information in which there is an installment system (flat effective), the bank takes profits in advance from the customer. This will be aggravated when the customer repays the smoothly and regularly loan installment, the bank will renew the credit again by increasing the number of new credit where the principal loan will be given by the bank, which means the customer will receive a new installment schedule with the composition of loan interest greater at the beginning. The purpose of this study is to find out how the application of the principle of transparency and its obstacle factors in implementing Bank Indonesia regulation Number: 7/6 / PBI / 2005 concerning transparency of bank product information. This study is a qualitative research with a normative evaluative approach. The study indicates that transparency of using the installment system to the customer is very important because the customer will know their rights and obligations while they are taking flat installment system. This is because most customers do not know the benefit of effective flat installment system. An effective, transparency flat installment to customers is very important to prevent misunderstandings that can cause harm to both parties especially to customers.]]>
<![CDATA[Analisa Kinerja Dewan Pengawas Syariah di Bank Syariah ]]>
<![CDATA[Rahma Yudi Astuti]]>
<![CDATA[ Al Tijarah Vol 1, No 2 (2015): December 2015 ]]>
Publisher : <![CDATA[Universitas Darussalam Gontor ]]>
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DOI: 10.21111/tijarah.v1i2.955
<![CDATA[Sharia Supervisory Board (SSB) comprehensively supervise the overall product of Islamic banks. SSB then serves also as auditor of sharia is the answer to the emerging challenges of how to supervise Islamic economic institutions to remain current in accordance with the provisions of Islamic Sharia. Based on the above issues of interest to delakukan research on the role and responsibilities of the Sharia Supervisory Board of Islamic Banks. Through this study the authors wanted to know how an application in the field of surveillance conducted by SSB, by analyzing the regulations issued either BI or National Shariah Council. In its analysis the authors use an empirical approach and an analytical approach to analyze the problem was examined by field work with interviews and questionnaires for the next question was whether the line with the norms set by Bank Indonesia. The approach used is to better determine the extent to which the roles and responsibilities of SSB in the homeland. From the results obtained by analysis of the answers that the surveillance conducted by SSB against Islamic Bank has not fully maximized. In fact, only a small portion has actually supervise properly. Then the realization that SSB is the most important and influential in the Islamic Bank have not fully realized that in the end SSB participation in the daily activities of the bank can not do. Even the arrival of SSB against Islamic Bank to conduct surveillance is also very rare.]]>
<![CDATA[Penerapan Prinsip Kehati-hatian dalam Penyaluran Pembiayaan dan Kredit pada Lembaga Keuangan Mikro (Studi Multi Situs pada BMT Hasanah Mlarak dan BRI Unit Mlarak, Ponorogo) ]]>
<![CDATA[Rahma Yudii Astuti]]>
<![CDATA[ Al Tijarah Vol 2, No 1 (2016): June 2016 ]]>
Publisher : <![CDATA[Universitas Darussalam Gontor ]]>
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DOI: 10.21111/tijarah.v2i1.666
<![CDATA[Microfinance institutions like the company has a motive to obtain a return (net income) are always faced with the risk, which is known as credit risk. Risks that may occur can cause great harm to financial institutions if it can not be detected and managed by microfinance semestinya.Lembaga always required to be more sensitive in detecting things that could trigger a rise in the level of non performing loan. The credit risk is the risk of potential losses resulting from the non settlement of bank loans back to the bank’s borrowers and counterparties lainnya.Penelitian a field research (field research) that are normative. Data were collected through observation, documentation, and interviews, while the type of data used are primary data and secondary data. Microfinance institutions that implement the precautionary principle in the procedures of channeling financing and credit based on standard guidelines or SOP, focus on monitoring PPAP by age collectibility of the loans/loans, to restrict credit expansion, fostering the human resources, and lending/financing the early initiative procedure, analysis, disbursement and monitoring will have implications/positive impact on the business/internal as well as the impact of a great reputation with uncontrolled NPL/NPF.]]>
<![CDATA[Islamic Economic Analysis Reviews: the Transparency of Top-up Banking ]]>
<![CDATA[Rahma Yudi Astuti]]>;
<![CDATA[Dhika Amalia Kurniawan]]>
<![CDATA[ Al Tijarah Vol 5, No 1 (2019): Juni 2019 ]]>
Publisher : <![CDATA[Universitas Darussalam Gontor ]]>
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DOI: 10.21111/tijarah.v5i1.3648
<![CDATA[Writing this paper is based on customers who are trapped with the facilities provided by the bank, called “top up”. Customers do not need to pay off the remaining loans, customers will receive a new schedule and a new loan ceiling. This is based on many problems experienced by bank customers. The extent to which transparency is applied by banks in accordance with PBI. No. 7/6/2005 is the aim of this study. This research is qualitative research with an evaluative-normative approach. From these problems, the bank in delivering it to customers about Top Up information has not conveyed transparently what should be conveyed to customers. Transparency to customers is very important in accordance with an Islamic economy based on sharia values and principles that can be applied in all aspects of business life and transactions of the Ummah Compliance with regulations issued by the government, namely PBI no. 7/6 / PBI / 2005 which is not yet fully operational in banking in general. With transparency being applied in Islamic economics, customers will know what their rights and obligations are. Transparency to customers is very important to prevent misunderstandings that can cause harm to customers..]]>
<![CDATA[Analisis ekonomi Islam meninjau praktek transparansi top up (penambahan pinjaman) perbankan ]]>
<![CDATA[Rahma Yudi Astuti]]>;
<![CDATA[Dhika Amalia Kurniawan]]>
<![CDATA[ Proceeding of Conference on Islamic Management, Accounting, and Economics CIMAE Volume 2, 2019 ]]>
Publisher : <![CDATA[Proceeding of Conference on Islamic Management, Accounting, and Economics ]]>
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<![CDATA[This writing is motivated by the existence of customers who are stuck with the facilities provided by the bank, namely top up (additional loans), where the customer does not need to bother paying off the rest of the loan that should be repaid, the repayment fund is bailed out by the bank first, the customer will receive a new schedule and a new loan ceiling. Of course the bank will choose the criteria for customers who will be given top up facilities, namely the installment payment history is relatively smooth, precisely this is the base of the problem that many experienced by customers who do not understand about the top up offered by the bank that ends disastrous for customers. Lack of transparency about what the customer will go forward, which is applied by the bank to the customer so that many customers bear the losses caused by the top up. Lack of transparency about what the customer will go forward, which is applied by the bank to the customer so that many customers bear the losses caused by the top up. This research is a qualitative research with an evaluative-normative approach. The purpose of this research is to find out the extent of transparency applied by banks for top up, applying the principle of transparency in implementing Bank Indonesia regulations Number: 7/6 / PBI / 2005 about Transparency of Bank Product Information and how transparency practices are viewed from the Islamic economy. From these problems transparency to customers is very important in accordance with Islamic economics based on values and Islamic principles can be applied in all aspects of business life and transactions of the ummah. Compliance with regulations issued by the government, namely PBI no. 7/6 / PBI / 2005 which has not been fully implemented in banking in general. With the transparency applied in Islamic economics customers will know what their rights and obligations are. Transparency to customers is very important to prevent misunderstandings that can cause losses to customers.]]>
<![CDATA[RISK MANAGEMENT ANALYSIS OF CASH WAQF: CASE STUDY OF BMT WAKAF YAYASAN INVESTA CENDEKIA AMANAH JAKARTA ]]>
<![CDATA[Rahma Yudi Astuti]]>;
<![CDATA[Alamsyah Alamsyah]]>
<![CDATA[ JURNAL STIE SEMARANG Vol 12 No 3 (2020) ]]>
Publisher : <![CDATA[Sekolah Tinggi Ilmu Ekonomi Semarang ]]>
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DOI: 10.33747/stiesmg.v12i3.463
<![CDATA[Currently waqf is not just immobile objects that are musholla, mosque, school, orphanage, and grave. However, there are also waqf managed productively such as money waqf. the institution that manages the cash waqf is called nazhir. Institutions that wish to manage the cash waqf must obtain permission from the Indonesian Waqf Board (BHI). Therefore, BMT Wakaf Yayasan Investa Cendekia Amanah is trusted by BWI to manage cash waqf. So in its management, BMT must manage risk well. Risk has become a common thing caused by the existence of uncertainty and has been regarded as sunnatullah life. The purpose of this study is to determine and analyze the risks of what is contained in Islamic micro finance institutions such as BMT. In addition, to find out how to manage the risk of cash waqf during which it is used to invest the principal of the waqf funds. The method used in this study is a qualitative method using three different techniques of interview, documentation, and participatory observation. sources of information taken in this study include the Chairman of Board and treasurer in the form of interviews, documentation data, and observation results in the field. Findings in the field indicate that BMT Wakaf Yayasan Investa Cendekia Amanah has not fully manage the risk of cash waqf funds well so that the financing has stalled. especially in murabahah and ijarah financing, which is followed by the use of large funds of cash waqf, causing loss and loss of the cash waqf substance. Therefore, BMT Wakaf Yayasan Investa Cendekia Amanah must improve the ideal management capacity in managing risk including prudential principles in providing financing to customers and need cooperation with insurance institutions to cover cash waqf loss]]>
<![CDATA[KONFLIK WANITA KARIR DENGAN BEBAN KERJA GANDA (DOUBLE BARDEN) ]]>
<![CDATA[Hani Fitriani]]>;
<![CDATA[Liana Dewi Susanti]]>;
<![CDATA[Rahma Yudi Astuti]]>
<![CDATA[ Jurnal Studi Gender dan Anak Vol 2 No 01 (2020) ]]>
Publisher : <![CDATA[Center of Gender Studies and Child of State Islamic Institute of Metro ]]>
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DOI: 10.32332/jsga.v2i01.2074
<![CDATA[The participation of women at this time rather than just demanding equal rights but also expresses its function has the meaning for the development of society Indonesia. conflict of dual role is the simultaneous occurrence of two or more role allotment, which is the fulfillment of a role that will give rise to difficulties in fulfilling the role of the other. Work-family conflict has two components, namely family affairs interfere with work, work-family conflict can arise due to the Affairs of the jobs came family. Conflicts arising as a result of household chores and all the consequences disrupt the performance of the functions of the employment of mothers in the workplace. An adaptive response, linked by characteristics and individual psychology or process which is a consecuetion of any external action, situation or event that puts the demands of special psychological and or physical person. The results of the work can be accomplished by a person or group of people in an organization in accordance with the authority and responsibility of their respective efforts in order to achieve the objectives of the Organization in question legally, does not violate the law and in accordance with morals or ethics. Double role conflict can have an impact on work stress, this shows the higher conflict dual role female employees, then the greater the also stress their work. The impact of the conflict on performance of dual role female employees indicating higher role conflict the women, then the lower the performance of them. Work stress is also impacting on the performance of female employees have, i.e. show the higher the stress of work, then the lower the pulakinerja female employees.]]>
<![CDATA[PENTINGNYA BAHASA INGGRIS UNTUK ANAK USIA DINI DI DESA PURWOASRI, 28 METRO UTARA ]]>
<![CDATA[Diyan Triyanto]]>;
<![CDATA[Rahma Yudi Astuti]]>
<![CDATA[ Jurnal Studi Gender dan Anak Vol 3 No 2 (2021): SETARA: Jurnal Studi Gender dan Anak ]]>
Publisher : <![CDATA[Center of Gender Studies and Child of State Islamic Institute of Metro ]]>
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DOI: 10.32332/jsga.v3i2.3787
<![CDATA[This paper discusses about the importance of English education for early childhood. English education is needed along with the progress of a country. Therefore, education English as an international language was introduced as early as possible to the students before the age of 12 years. Early childhood is children in the age range 2-7 years and is a golden period for language development. They were able to learn to speak like native speakers. However, they are still on the cognitive development of preoperational that has a high self-centered, do not understand abstract things, just to understand the symbols and still pre-logical thinking. Therefore, English language education for children in need of methods and processes appropriate and effective teaching, for example through song, music and movement. The method is considered successful and very suitable for early childhood in learning English. To develop the method also requires the teacher's role as an educator in the process of learning English.]]>
<![CDATA[The Impact of Financial Management Behavior, Locus of Control, and Religiosity Toward Investment Decisions During Covid-19 Pandemic: A Study of Genta Muallaf Community in Bali ]]>
<![CDATA[Rahma Yudi Astuti]]>;
<![CDATA[Suyanto Suyanto]]>;
<![CDATA[Diajeng Nurul Falah]]>;
<![CDATA[Ani Nurul Imtihanah]]>
<![CDATA[ Al Tijarah Vol. 8 No. 2 (2022): Al Tijarah | December ]]>
Publisher : <![CDATA[University of Darussalam Gontor ]]>
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DOI: 10.21111/tijarah.v8i2.7298
<![CDATA[The Covid-19 pandemic has affected many economic sectors to decline; one of them is investment. However, this sector is still becoming the center of attention especially for investors. Several factors role and influence the emotional attitudes in investment decision-making such as financial management behavior, locus of control, and religiosity. This study aims to determine the impact of financial management behavior, locus of control, and religiosity in investment decision-making during the Covid-19 pandemic. This was quantitative research that included Genta Muallaf community as the subject. The data were collected by distributing questionnaires, then were analyzed using the IBM SPSS 20 test tool. The results showed that financial management behavior did not fully affect the investment decision-making, while locus of control partially influenced the investment decision-making since both internal and external control factors greatly influenced the human situation itself, and religiosity also did not fully affect the investment decision-making during the Covid-19 pandemic since religious aspects have not been fully implemented in this community. Therefore, it is necessary to further make the financial management behavior as a proposed medium for it can influence more in investment decision-making such as: age, education, and culture aspects. Especially, Genta Muallaf community is expected to be able to foster the society through holding on Islamic law, to manage its financial based on needs instead of desires, and most importantly to always remember God in every decision-making.]]>
<![CDATA[Pembiayaan Murâbahah yang Bermasalah di Baitul Mâl Wa Tamwîl(BMT) XYZ Dalam Perspektif Manajemen Risiko ]]>
<![CDATA[Rahma Yudi Astuti]]>
<![CDATA[ Islamic Economics Journal Vol. 1 No. 2 (2015) ]]>
Publisher : <![CDATA[University of Darussalam Gontor ]]>
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DOI: 10.21111/iej.v1i2.351
<![CDATA[Baitul Mal wa Tamwil XYZ as microfinance institutions that run the operation works with Islamic principles, in which the principal activity in the form of funding and financing to the community, always filled with uncertainty. Murabaha is a financing product that is very popular in BMT XYZ. This is because these products are considered as a product that is easy to apply and has a relatively small risk. However murabaha product was not completely safe and risk-free. Recorded murabaha financing problems in BMT XYZ currently account for 15.8% of the total amount of financing is not fully influenced by the type of contract, but is also highly dependent on the nominal size of the financing, and long periods of financing as well as other variables listed in such financing and guarantee problems character client and intervention board on the performance of managers. Therefore we need a series of procedures and methodologies that can be used to measure, identify, monitor and control risks that arise. The research problems are why the Murabaha financing is problematic in BMT XYZ and how the steps are carried out by BMT XYZ against Murabaha financing is problematic.This research is a field (field research) that is descriptive qualitative. Data were collected through observation, documentation, and interviews, while the type of data used are primary data and secondary data. Based on the findings in the field can be seen that the factors causing the problem, namely murabaha financing from the customer and the factors BMT itself. Factors of customers due to the weak economic situation of customers, the business is not smooth, character weakness and turmoil. While the factor of BMT XYZ itself is weakness analysis and carelessness account officer in collecting and analyzing data in a prospective customer financing does not correspond to the actual state of the prospective customers. Violation of the LLL by the board and the change manager within a relatively short time. BMT effort XYZ against problematic Murabaha financing is a preventative measure, revitalizing and takeover of collateral. Meanwhile, to minimize the risk that the financing distribution strategy, a strategy of collection of receivables and collateral strategy and the implementation of the precautionary principle (prudential Banking).]]>
