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All Journal Al Tahdzib: Jurnal Pendidikan Islam Anak Usia Dini The International Conference on Education, Social Sciences and Technology (ICESST)
R Agrosamdhyo
Sekolah Tinggi Agama Islam Denpasar
Computer Science & IT Education Environmental Science

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Application of Murabahah Agreement in Griya Purchase Financing at BSI Sub Branch Office Gatsu Denpasar R Agrosamdhyo
The International Conference on Education, Social Sciences and Technology (ICESST) Vol. 2 No. 2 (2023): The International Conference on Education, Social Sciences and Technology
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/icesst.v2i2.395

Abstract

Bank Syariah Indonesia has been providing Islamic financial products and services, including murabahah agreement, in order to cater to the growing demand for Sharia-compliant financing options. One of the key areas where murabahah agreement is applied is in the financing for purchasing homes, known as Griya Purchase Financing. Griya purchase Financing is one of the financing companies owned by BSI KCP Gatsu Denpasar. However, this financing often encounters problems in the purchase process. The aims of this study are: to find out the factors that lead to a murabahah contract in the financing of a purchase griya at BSI KCP Gatsu Denpasar and to find out the process of financing the griya purchase at BSI KCP Gatsu Denpasar. The research method used is a descriptive qualitative method with data collection techniques through observation, interviews, and documentation. The data analysis technique used is the Miles and Huberman model, which includes data collection, data reduction, data presentation, and data verification. data validity technique with the triangulation technique. The results of the study found: 1) There are factors that cause a murabaha contract to occur, namely the presence of the object of the contract; 2) The murabaha contract process by submitting asset documents to the consumer as a sign of consent qabul with the consumer. And financing for purchase houses that are free from usury in accordance with the Fatwa of the National Sharia Council, MUI No.04/DSN-MUI/IV/2000, dated April 1, 2000, conceming murabahha.; 3) The process of financing purchase housing includes BSI having the terms and benefits of financing purchase housing. To attract consumer, as well as with light installments, one of the benefits of purchase financing at BSI is that consumers still feel able to meet other needs.
Improving Early Childhood Children’s Ability in Hijaiyah Letters Through PowerPoint-Based Learning Media Lailatul Qadariyah; Rici Oktari; R Agrosamdhyo; Ahmed Hossam; Wahdiansyah Wahdiansyah
Al Tahdzib: Jurnal Pendidikan Islam Anak Usia Dini Vol. 5 No. 1 (2026): Al Tahdzib: Jurnal Pendidikan Islam Anak Usia Dini
Publisher : STAI Publisistik Thawalib Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54150/altahdzib.v5i1.791

Abstract

The ability of young children to recognize, pronounce, and write hijaiyah letters remains low due to monotonous and less interactive learning methods. This study aims to assess the effectiveness of PowerPoint-based learning media in improving young children’s skills in recognizing, pronouncing, and writing hijaiyah letters. The research employed a one-group pretest-posttest experimental design. Data were collected through observation and ability tests. Data analysis was performed using SmartPLS to test validity and reliability and to test hypotheses. The results show that students’ mastery of hijaiyah letters is still in the moderate range. Memorization is the weakest aspect, falling into the low category. Post-test scores for students 1–14 ranged only from 1 to 3, indicating no significant improvement compared to the pre-test. Overall, the progress was minimal and not statistically significant. This suggests that learning still needs reinforcement, especially through memorization practice and repetition, to help students recognize, pronounce, and write hijaiyah letters more effectively and evenly. However, interactive PowerPoint media has the potential to enhance children’s learning of hijaiyah letters through engaging, visual, and participatory methods, despite the lack of significant improvement. This study contributes to the development of innovative digital learning tools aimed at improving the quality of hijaiyah letter learning for early childhood education.
Co-Authors Ahmed Hossam Lailatul Qadariyah Rici Oktari Wahdiansyah Wahdiansyah