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ANALISIS MEKANISME MANAJEMEN RISIKO PEMBIAYAAN GADAI EMAS PADA PEGADAIAN SYARIAH AR. HAKIM MEDAN Khairina, Dina; Kurniawan, Rahmat
JURNAL ILMIAH EDUNOMIKA Vol 8, No 4 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i4.16228

Abstract

Rahn (gold) pawn products in Islamic pawnshops are increasingly in demand by the public, so risk management is the most effective process or strategy to overcome or minimize the risks that occur or will occur. This research aims to find out the risk management mechanism for gold pawning at the Islamic Pawnshop AR Hakim Medan Branch Office, the method used in this research is descriptive qualitative research where data collection uses observation techniques, interviews, and documentation studies. In this study, researchers interviewed informants, namely branch leaders, estimators, and cashiers. Pegadaian Syariah Branch Office AR Hakim Medan. The results showed that the risk management mechanism for gold pawning at Pegadaian Syariah AR Hakim Medan Branch Office has been running quite well, this is evidenced by the results of interviews and observations. The risk management mechanism for gold pawning at the Pawnshop Syariah Branch Office AR Hakim Medan applies several stages, namely, risk identification, risk measurement, risk management and risk control and supervision. These stages can anticipate and minimize the risks that occur in gold pawning at the Pawnshop Syariah AR Hakim Medan Branch Office such as the risk of counterfeit gold fraud, bad credit, gold price fluctuations, too high gold valuations. Keywords: Pawnshop, Gold pawn, Risk management
Small action today for a pollution-free future: pemberdayaan masyarakat di Desa Lok Baintan dalam memalui pembuatan ecobrcik Rosalinda, Yeyen; Rahmi, Rahmi; Sundari, Syahrini Dwi; Mutiara, Mutiara; Khairina, Dina; Noor, Ihya Hazairin
SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan Vol 9, No 3 (2025): May
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jpmb.v9i3.28856

Abstract

Abstrak Masalah sampah masih menjadi persoalan serius di Desa Lok Baintan Dalam terutama karena tipe pemukiman yaitu wilayah perairan, sehingga memudahkan masyarakat untuk membuang sampahnya ke sungai. Minimnya tempat pembuangan sampah dan rendahnya kesadaran masyarakat memperburuk kondisi lingkungan, memicu timbulnya pencemaran serta potensi gangguan kesehatan. berdasarkan analisis situasi tersebut, maka dilakukan kegiatan pengabdian masyarakat melalui program “Lingkungan KEREN (Knowledge, Empowerment, ReiNforce facility)” yang bertujuan untuk (1) meningkatkan pemahaman warga mengenai pengelolaan sampah rumah tangga, (2) mengurangi timbunan sampah melalui pembuatan ecobrick dan sistem pengangkutan sampah, dan (3) menyediakan fasilitas pembuangan sampah sementara di beberapa titik. Kegiatan dilaksanakan selama 10–17 Juli 2024 di RT 01 dan RT 03 Desa Lok Baintan Dalam, dengan mitra masyarakat setempat dan dukungan Puskesmas Sungai Tabuk II. Metode yang digunakan meliputi penyuluhan, workshop pembuatan ecobrick, pembagian tempat sampah dan kantong plastik, pembentukan kader lingkungan, serta evaluasi melalui pre-post test dan uji statistik Wilcoxon. Jumlah peserta aktif dalam kegiatan inti sebanyak 10 orang. Hasil kegiatan menunjukkan peningkatan signifikan dalam pengetahuan, sikap, dan tindakan masyarakat terhadap pengelolaan sampah, dengan nilai signifikansi uji Wilcoxon sebesar 0,005 (< 0,05). Selain itu, terbentuk 4 kursi ecobrick dari sampah anorganik dan sistem pengangkutan sampah oleh kader secara berkala mulai dijalankan. Secara umum, kegiatan ini meningkatkan softskill warga dalam bentuk kesadaran lingkungan dan partisipasi aktif, serta hardskill berupa kemampuan teknis membuat ecobrick dan memilah sampah. Dampak ekonomis mulai terlihat dari produk hasil olahan ecobrick yang memiliki potensi nilai jual di masa depan. Kata kunci: ecobrick; pengelolaan sampah; lingkungan; pemberdayaan masyarakat. AbstractThe waste problem is still a serious problem in Lok Baintan Dalam Village, especially because the type of settlement is a water area, making it easy for people to throw their waste into the river. The lack of waste disposal sites and low public awareness worsen environmental conditions, triggering pollution and potential health problems. Based on the analysis of the situation, community service activities were carried out through the "Environmental KEREN (Knowledge, Empowerment, ReiNforce facility)" program which aims to (1) increase residents' understanding of household waste management, (2) reduce waste accumulation through the manufacture of ecobricks and waste transportation systems, and (3) provide temporary waste disposal facilities at several points. The activities were carried out during 10-17 July 2024 in RT 01 and RT 03 Lok Baintan Dalam Village, with local community partners and support from the Sungai Tabuk II Health Center. The methods used include counseling, ecobrick making workshops, distribution of trash bins and plastic bags, formation of environmental cadres, and evaluation through pre-post tests and Wilcoxon statistical tests. The number of active participants in the core activities was 10 people. The results of the activities showed a significant increase in community knowledge, attitudes, and actions towards waste management, with a Wilcoxon test significance value of 0.005 (<0.05). In addition, 4 ecobrick chairs were formed from inorganic waste and a waste transportation system by cadres was started periodically. In general, this activity improves residents' soft skills in the form of environmental awareness and active participation, as well as hard skills in the form of technical skills in making ecobricks and sorting waste. The economic impact begins to be seen from the processed ecobrick products that have potential selling value in the future. Keywords: ecobrick; waste management; environment; community empowerment.