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All Journal El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies Awilaras
Siti Khumairo
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Economics, Econometrics & Finance Industrial & Manufacturing Engineering Social Sciences

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Pengembangan Keterampilan Bernyanyi Mahasiswa Difabel Nonfisik melalui Pelatihan Musik di Art Therapy Center Widyatama Reffali, Soni; Yully Hidayah; Siti Khumairo
Awilaras Vol 11 No 2 (2024): Seni : Sinergi Tradisi dan Teknologi
Publisher : LPPM ISBI Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Abstract This study aims to describe the process and outcomes of singing skill training for non-physical disabled students at the Art Therapy Center Widyatama. The research used a descriptive qualitative method, with observation and interviews as the main data collection techniques. The study found that the singing skill training was conducted through several stages, including basic technique introduction, singing practice, and performance evaluation. Despite some challenges during the training process, such as difficulties in adapting to the learning methods, the results show that students were able to significantly develop their vocal skills. These findings support the importance of adapting teaching methods to meet the specific needs of disabled students to maximize their potential in the field of music arts. Keywords: singing training, non-physical disabilities, music, arts education, adaptive teaching
Analisis Prinsip 6C, 7P dan 3R pada Penyaluran Produk Pembiayaan di KSPP Syariah BMT Peta Sidoarjo Moh Sahhal Jauhari; Siti Khumairo
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i9.8776

Abstract

People who want to get financing assistance for consumptive activities or productive businesses must meet adequate requirements for prospective debtors of financing products in accordance with the provisions imposed by the institution. This step is taken by management by going through a selection process on prospective debtors in the principles of 6c, 7p and 3r to determine whether the prospective debtor deserves a financing product or not. Financing analysis is an activity that examines important and noteworthy aspects of customers who will be financed by financial institutions. The purpose of financing analysis is to obtain a clear and true picture of the condition of the customer to be financed. Thus, correct and objective recommendations can be given. The approach in this research uses an inductive approach, which studies problems in society and certain situations. Including the processes that take place and the influence of a phenomenon. By using an inductive approach, researchers will describe the data obtained through qualitative methods, namely with interview data, observation and documentation, the type of research used is the type of case study. Providing Financing by KSPPS BMT PETA Sidoarjo, Analyzing the provision of financing using the 6C, 7P and 3R principle financing analysis. 6C analysis includes (Character, Capacity, Capital, Collateral, Condition Of Economy and Constrain). 7P analysis includes (Personality, Party, Purpose, Prospect, Payment, Profitability and Protection). 3R analysis includes Returns Repayment and Risk) of all these principles are all applied by KSPPS BMT PETA Sidoarjo in channeling financing, in accordance with their respective principles, efforts to reduce financing risks. Thus the application can reduce bad debts and increase current financing.
Analisis Prinsip 6C, 7P dan 3R pada Penyaluran Produk Pembiayaan di KSPP Syariah BMT Peta Sidoarjo Moh Sahhal Jauhari; Siti Khumairo
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 9 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i9.8776

Abstract

People who want to get financing assistance for consumptive activities or productive businesses must meet adequate requirements for prospective debtors of financing products in accordance with the provisions imposed by the institution. This step is taken by management by going through a selection process on prospective debtors in the principles of 6c, 7p and 3r to determine whether the prospective debtor deserves a financing product or not. Financing analysis is an activity that examines important and noteworthy aspects of customers who will be financed by financial institutions. The purpose of financing analysis is to obtain a clear and true picture of the condition of the customer to be financed. Thus, correct and objective recommendations can be given. The approach in this research uses an inductive approach, which studies problems in society and certain situations. Including the processes that take place and the influence of a phenomenon. By using an inductive approach, researchers will describe the data obtained through qualitative methods, namely with interview data, observation and documentation, the type of research used is the type of case study. Providing Financing by KSPPS BMT PETA Sidoarjo, Analyzing the provision of financing using the 6C, 7P and 3R principle financing analysis. 6C analysis includes (Character, Capacity, Capital, Collateral, Condition Of Economy and Constrain). 7P analysis includes (Personality, Party, Purpose, Prospect, Payment, Profitability and Protection). 3R analysis includes Returns Repayment and Risk) of all these principles are all applied by KSPPS BMT PETA Sidoarjo in channeling financing, in accordance with their respective principles, efforts to reduce financing risks. Thus the application can reduce bad debts and increase current financing.
Co-Authors Moh Sahhal Jauhari Reffali, Soni Yully Hidayah