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All Journal Syarah: Jurnal Hukum Islam dan Ekonomi System Information and Computer Technology (SYNCTECH)
Faisal , Faisal
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Religion Humanities Computer Science & IT Economics, Econometrics & Finance Social Sciences

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Implementation of Sharia Principles in Financing Micro, Small and Medium Enterprises in Rural Areas Yuliana, Yuliana; Faisal , Faisal; Herinawati, Herinawati; Muhammad Rasyid, Laila
Syarah: Jurnal Hukum Islam dan Ekonomi Vol. 14 No. 1 (2025): SYARAH : Jurnal Hukum Islam dan Ekonomi
Publisher : Fakultas Syariah Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/syarah.v14i1.6032

Abstract

PT PNM Mekaar Syariah is an institution engaged in sharia financial services that provides financing in the form of capital to support business actors in developing their businesses. Even if the business fails, customers are still required to repay their loans. This study aims to determine the implementation, obstacles, and efforts in applying sharia principles to micro, small, and medium enterprise financing at PT PNM Mekaar Syariah Blang Mangat. This research is a qualitative study using a legal-empirical approach with a descriptive nature. The research data used are sourced from primary and secondary data. Primary data were obtained from observations and interviews, while secondary data were obtained from books, articles, and relevant scientific publications. The research data was systematically organized, beginning with data reduction, data presentation, and conclusion drawing. The research findings revealed that the implementation of Sharia principles and contracts by PT PNM Mekaar Syariah Blang Mangat Branch has not fully adopted Sharia principles, as evidenced by its operational practices not fully adhering to the murabahah system. The obstacles encountered by customers are that they often choose financing not for business purposes but for personal needs. This can lead to various challenges such as late payments, increased personal expenses, and difficulties in managing customer business operations. Efforts made include actively monitoring customers to detect potential late payments or defaults early on.
Pengembangan Sistem Penjadwalan Mata Pelajaran Otomatis Menggunakan Algoritma Genetika di Sekolah Menengah Kejuruan (SMK)Darussalam Makassar Qalbi, Nur; Faisal , Faisal; Erfina, Erfina
System Information and Computer Technology (SYNCTECH) Vol. 1 No. 2 (2025): July
Publisher : Subaltren Inti Media

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Abstract

The effectiveness of the teaching and learning process within an educational institution is significantly determined by the quality of its course scheduling. The timetable generation process at SMK Darussalam Makassar, which still relies on manual methods using Microsoft Excel, faces several fundamental challenges. This process has been identified as time-consuming (inefficient), leading to delays in the dissemination of the schedule to relevant stakeholders. The primary problem that frequently arises is the occurrence of clashes in teacher schedules, thereby directly disrupting the academic process. To address this scheduling optimization problem, this research implements a Genetic Algorithm. This algorithm is a stochastic search technique inspired by the principles of natural selection and genetics to find optimal or near-optimal solutions. Based on the evaluation results, the developed Genetic Algorithm-based scheduling system demonstrates limitations in terms of scalability. The system only succeeded in achieving an optimal schedule for 56 out of a total of 406 class meetings. This performance limitation is attributed to the architectural and computational resource constraints of the developed platform.
Co-Authors Erfina, Erfina Herinawati, Herinawati Muhammad Rasyid, Laila Qalbi, Nur Yuliana Yuliana