ASMUNI, ST., MM
2022 · Article · Open Access
<p>Pokok permasalahan dalam Tesis ini adalah bagaimana kinerja keuangan bank pembiayaan rakyat syariah Sumatera Barat. Tujuan pembahasan ini untuk mengetahui kinerja keuangan bank pembiayaan rakyat syariah Sumatera Barat, dianalisis dari aspek <em>financialny</em>a berupa rasio <em>CAR, FDR, NPF,ROA</em> dan <em>BOPO</em>.</p><p>Jenis penelitian yang penulis gunakan adalah penelitian <em>eksploratif</em>, penelitian ini mengungkapkan penelitian <em>eksploratif secara kuantitatif</em>, data yang diperoleh dianalisis sesuai dengan metode yang digunakan kemudian di interpretasikan. Teknik pengumpulan data yang penulis gunakan adalah dokumentasi dengan cara pengumpulan data dari <em>website</em> OJK dan BI. Teknik analisis data dengan mengunakan penilaian kesehatan BPRS yang berlaku, yaitu Keputusan Bank Indonesia No.9/17/PBI/2007 tanggal 4 Desember 2007, penilaian kinerja BPRS aspek <em>financial</em> berupa <em>CAR</em>, <em>FDR</em>, <em>NPF</em>, <em>ROA</em> dan <em>BOPO.</em></p><p>Dari penelitian yang penulis lakukan dapat disimpulkan bahwa rasio <em>CAR</em>, BPRS Sumatera Barat sebesar 14,27%, dengan penilaian <em>“Sangat Sehat”</em> dengan kriteria , rasio <em>FDR</em> BPRS Sumatera Barat sebesar 75,67%, dengan penilaian <em>“Sehat”</em> dengan kriteria , rasio <em>NPF</em> BPRS Sumatera Barat rata-rata 7,83%, penilaian <em>“Cukup Sehat”</em> dengan kriteria , rasio <em>ROA</em> BPRS Sumatera Barat rata-rata sebesar 1,34%, dengan penilaian <em>“Sehat”</em> dengan kriteria dan rasio <em>BOPO</em> BPRS Sumatera Barat rata-rata sebesar 92,43%, dengan penilaian <em>“Sangat Sehat”</em> dengan kriteria .</p>
ASMUNI, ST., MM
2022 · Article · Open Access
<p>Dalam artikel ini ada tiga hal yang menjadi permasalahan yaitu tentang Bagaimana bentuk-bentuk pemberdayaan, bentuk usaha simpan pinjam dilihat dalam perspektif syariah dan Apa saja Faktor-faktor penghambat dalam pemberdayaan ekonomi berbasis syariah pada KPRI SMAN 1 Kota Solok.Jenis penelitian yang dilakukan adalah penelitian lapangan (<em>field research</em>) dengan menggunakan pendekatan kualitatif. Tujuan penelitian untuk mengetahui bentuk-bentuk pemberdayaan, bentuk usaha simpan pinjam dilihat dalam perspektif syariah dan bentuk factor-faktor penghambat dalam pemberdayaan ekonomi berbasis syraiah di KPRI SMAN I Kota Solok.Teknik pengumpulan data adalah wawancara, dan dokumentasi untuk mendapatkan data-data yang berhubungan dengan masalah yang diteliti, kemudian membaca dan menelaah, selanjutnya menganalisis data yang diperlukan dengan berbagai landasan teori dan terakhir menarik kesimpulan.Hasil penelitian menunjukan bahwa Bentuk-bentuk pemberdayaan berbasis syariah pada KPRI Syariah SMAN I Kota Solok <em>Pertama, </em>koperasi telah dikelola dengan pola syariah <em>Kedua,</em> simpan pinjam dan pembiayaan syariah yang telah diberikan kepada anggota telah mencapai Rp. 70.000.000,- (Tujuh Puluh Juta Rupiah); <em>Ketiga, </em>dengan jasa/ujrah/nisbah/fee sebesar 0,8 yang disepakati dengan anggota dalam setiap simpan pinjam dan pembiayaan syariah <em>Keempat, </em>meningkatkan pemahaman dan kemampuan pengurus dan anggota dalam pengelolaan koperasi dengan pola syariah <em>Kelima, </em>berpartisipasi dalam kegiatan yang dilakukan oleh DEKOPINDA Kota Solok, Dinas Koperasi dan Perindusrtian Kota Solok dan KPRI Pusat di Provinsi Sumatera Barat; <em>Keenam, </em>mendistribusikan dana sosial, r<em>eward</em> bagi anak anggota yang berprestasi dan zakat produktif bagi masyarakat sekitarnya.</p>
ASMUNI, ST., MM
2022 · Article · Open Access
<p><em>The purpose of this study was to determine the effect of Mudharabah financing on Increasing Customer Business Success at PT. Sharia BPR Haji Miskin: Customer Perspective. The type of research used in this study is associative research which is a research that aims to determine the effect or relationship between two variables. The population in this study were all customers who carried out mudharabah financing at PT. BPR Syariah Haji Miskin. The instrument of this research is a questionnaire. Then data processing is done by SPSS 22.0 with data analysis techniques using simple linear regression. As for the results of the analysis, mudharabah financing has a positive effect on the increase in customer business success at PT. BPR Syariah Haji Miskin. This can be seen from the results of the persial test t test that is the significance value of mudharabah financing is 0.023% small from the 0.05% significance value which means mudharabah financing has an effect on increasing the success of the customer's business. From the result of 20.25% mudaraba against the increase in the success of the customer's business is equal while the remaining 79.75% is influenced by other vaiable that is not examined.</em></p>
ASMUNI, ST., MM
2022 · Article · Open Access
<em>This study aims to describe and understand the system of profit sharing for musyarakah financing. This study uses a qualitative descriptive type and field study research method by conducting interviews and documentation. The results of the study show that the profit sharing system applied by PT. BPR Syariah Al-Makmur uses revenue sharing, with profit sharing for banks calculated from the results of financing given divided by the total value of the project and multiplied by the estimated profit sharing ratio. The researcher concluded that the profit sharing system of Islamic banks as a whole was in accordance with the rules. The researcher suggested that banks use a profit sharing system, with the burden of costs being borne by banks and customers, so that there is a form of justice in musyarakah financing</em>
ASMUNI, ST., MM
2022 · Article · Open Access
<p><em>This research was conducted to see how Mohammad Natsir thought about the relationship between Islam and Pancasila. This study also explains the causes of Natsir's change of mind which initially supported Pancasila as part of Islam and later turned into an opponent of Pancasila in Konstituante on 11 November to 6 December 1957. The methodology used was a qualitative method by describing the results of the analysis carried out. The research data is obtained through a review of documents and scientific literature. The results of the study show that Mohammad Natsir's change of mind regarding the relationship between Islam and Pancasila was influenced by Mohammad Natsir's political socialization which began from Natsir's view of Islam influenced by the childhood environment (conditional and socio-cultural) in Minangkabau; direct influence from national figures such as Ahmad Hassan, H. Agus Salim, Sheikh Ahmad Syurkati and H. O Tjokroaminoto; the indirect influence of international figures throughout reading book such as Hassan Al-Banna, Amir Syakib Arselan, Rashid Ridha and Muhammad Abduh; the influence of Natsir's organization and political parties, namely Jong Islamieten Bond (JIB), Islamic Unity (Persis), and Masyumi political parties; and the influence of the political conditions at that time which made Natsir's views change, which initially accepted Pancasila and then became an opponent of the Pancasila. This research shown there are two patterns of Natsir's relationship with Pancasila, namely (1) Natsir accepted Pancasila and, (2) Natsir opposed Pancasila.</em><strong><em></em></strong></p>
ASMUNI, ST., MM
2022 · Article · Open Access
The study of interpersonal skills in the of field of neuroscience aims to reveal the relevance of the development of brain function with patterns of interaction with others. Interpersonal skills are examined by neuroscience-based literature, both from books and journals. The study found that the most dominant brain area when interacting with others is the prefrontal cortex, which functions to regulate communication harmony, emotional regulation, empathy, morale and intuition. Based on these findings it can be concluded that if interpersonal skills run well, the brain in the prefrontal cortex's area will develop optimally. Conversely, if interactions with other people are disrupted, damage will occur in the prefrontal cortex's area. This finding can be used as an initial discourse for counseling practitioners, psychologists, teachers, social workers or medical personnel for well being interpersonal skill client and patient .
ASMUNI, ST., MM
2022 · Article · Open Access
أن الله تعالى قد أمرنا بتدبر كتابه الكريم، فما زالت عامة المسلمين لم يدبروها ولو قرؤوه كل يوم حتى يكون القرآن زينة لهم في خزائنهم لم يلمسوه ولو مرة. ورجاء من استفادة هذه الكتابة ما يحض المسلمين على تدبر كتابه الكريم فضلا عما يتعلق بالقصة لما فيها إشارة إلى معجزة القرآن الكريم. ومن خلال هذه الكتابة، بحثت عن إعجاز القرآن اللغوي في قصة موسى عليه السلام، وأذكر فيها الآيات اللاتي تشابهت بعضها ببعض وتكررت فيها وألفاظها متفقة، ولكن قد وقع في بعضها زيادة أو نقصان أو تقديم أو تأخير أو إبدال حرف مكان حرف أو غير ذلك مما ينتج الاختلاف بين الآيتين أو الآيات بين السورتي البقرة والأعراف. وفي البحث عنها، سلكت مسلك البحث المكتبي، بمنهاج المقارن الذي يصف ما يتعلق بالموضوع على ما كان عليه من ناحية الإعجاز اللغوي، والفائدة في إعادتها، وما الموجب للزيادة والنقصان والتقديم والتأخير والإبدال، وما الحكمة في تخصيص الآية بذلك دون الآية الأخرى، وهل كان يصلح ما في هذه السورة مكان ما في السورة التي تشاكلها أم لا، ليجري ذلك مجرى علامات تزيل إشكالها وتمتاز بها عن أشكالها من غير أن أشتغل بتفسيرها وتأويلها. وفي اختتام بحث هذه الكتابة، أفصح الأمر حيث أن الآيات المتشابهات في القصة تتجه على مواجهة خاصة ويتضمن على مضمون لا يتضمنه غيره. والتكرار فيها يظهر لنا وجه الإعجاز القرآني اللغوية من عدة أوجه مختلفة.
ASMUNI, ST., MM
2022 · Article · Open Access
<em>Minangkabau has a unique culture, that is always thriving one of them in social interaction using the proverb. Sasek di ujuang jalan suruik ka pangka jalan is a proverb full of values. This research aims to explore the values contained in the proverb Sasek di ujuang jalan suruik ka pangka jalan, and the contribution to cultural counseling. The research method used is qualitative hermeneutics. The results of the study is; (1) the value contained in the proverbial Sasek di ujuang jalan suruik ka pangka jalan is the need for exploration in finding the cause of the problem, (2) Every problem has a way out, and (3) cultural elaboration in counseling will facilitate the counseling process.</em>
ASMUNI, ST., MM
2022 · Article · Open Access
<p><em>This study aims to determine the development of the level of protein consumption in Indonesia from 2014-2017 and its effect on the expenditure of residents in the village and in the city. The method used in this study is a qualitative descriptive method with data that has been obtained based on secondary data from the Central Bureau of Statistics (BPS), namely data on average protein consumption according to people's food and average expenditure according to goods groups in Indonesia in 2014 to with 2017. The results of the study indicate that the level of protein consumption in Indonesia that the average protein consumption of this society in 2014 to 2017 is the highest in the consumption of grain commodities compared to other commodities. However, the percentage of grain consumption from 2014 to 2017 has decreased, because there have been many people consuming processed food. This is evidenced by the increase in consumption of finished food in that range of years. Then the expenditure level on vegetable protein commodities in the village is greater than in the city, while the expenditure on commodities of animal protein is greater in the city.</em></p>
ASMUNI, ST., MM
2022 · Article · Open Access
<p class="Default"><em>In dealing with conventional financial institutions as already stated in the Fatwa MUI No. 1 year 2004 on Interest is: For the existing office / network of islamic financial institutions and easily accessible, it is not permissible to perform the transaction based on the calculation of interest. For the region that there has been no office / network of islamic financial institutions, permitted to conduct transactions in conventional financial institutions based on the principles of emergency / lavatory. BAZNAS Solok city in the management of zakat is still using the conventional banks while the islamic banks already exist in the City of Solok. The purpose of this study is to find out why BAZNAS Solok City use conventional banks and to find out and analyze the law against BAZNAS Solok City use conventional banks. The use of conventional bank on BAZNAS Kota Solok caused because conventional banks have been there on the previous management, the Salaries of Civil Servants in the environment government of the City of Solok also through nagari bank conventional, and Employees of nagari bank direct tithe to the BAZNAS Solok City, If moved bank feared not collected zakat is derived from the employees of conventional banks. </em></p>
ASMUNI, ST., MM
2022 · Article · Open Access
<p>Artikel ini bertujuan untuk menegetahui dan menganalisa bentuk-bentuk akad gadai yang digunakan oleh masyarakat Kecamatan Gunung Tuleh dalam melakukan praktek gadai lahan sawit dan untuk mengetahui dan menganalisa tinjauan hukum ekonomi syariah terhadap bentuk bentuk-bentuk akad gadai yang digunakan oleh masyarakat Kecamatan Gunung Tuleh.</p><p>Jenis penelitian ini menggunakan jenis penelitian lapangan (<em>field research</em>) dengan metode penelitian <em>kualitatif</em>. Teknik pengumpulan data dalam penelitian ini adalah wawancara dan dokumentasi. Teknik analisis data yang digunakan dalam penelitian ini adalah reduksi data (<em>data</em> <em>reduction</em>), penyajian data (<em>data display</em>) serta penarikan kesimpulan dan verifikasi.</p><p>Berdasarkan hasil penelitian, diperoleh kesimpulan bahwa dalam praktek gadai lahan sawit di Kecamatan Gunung Tuleh Kabupaten Pasaman Barat dilihat dari segi akadnya tidak sesuai dengan ketentuan hukum Islam khususnya hukum ekonomi syariah. Tidak sesuai akad tersebut terjadi pada <em>sighat </em>akad pada <em>ijab kabl </em>yang mensyaratkan pemanfaatan barang gadai, adanya biaya tambahan yang harus diberikan penggadai (<em>rahin</em>) dengan sejumlah uang tertentu dalam melunasi utangnya. Hukum ekonomi syariah menyebutkan bahwa <em>shighat</em> gadai tidak boleh digantungkan dengan syarat, dan tidak disandarkan kepada masa yang akan datang. Apabila akad gadai (<em>rahn</em>) digantungkan dengan syarat atau disandarkan kepada masa yang akan ating, maka akad akan <em>fasid</em> (rusak), seperti adanya biaya tambahan yang harus diberikan dalam penebusan utang gadai yang dicantumkan dalam akad dengan mengacu kepada kaidah fiqh “<em>setiap utang yang menarik manfaat, maka ia termasuk riba</em>”.</p>
ASMUNI, ST., MM
2022 · Article · Open Access
<em>This research is aimed to examine and find out empirical evidence of the Islamic leadership style on employee work ethic. Sampled used in this research are employees at during afdelling I-VI. The data are collected using purposive sampling method. The analysis of this research employs simple linear regression. Result show that Islamic Leadership Style have significant and positive effect on employee work ethic with the magnitude of the influence of 9% and the contribution of the variable Islamic Leadership Style worth 27.3%.</em>
ASMUNI, ST., MM
2022 · Article · Open Access
<p>This research aims to determine the species of grasshoppers (Orthoptera: Ensifera) located in Sauman hotsprings tourism object in the village of Rambah Tengah Hulu sub district of Rambah Rokan Hulu district. This study was conducted from December 2017 to March 2018 by survey method. Grasshopper obtained was then identified by describing the species based reference source. Result soft hestudy founda Grasshopper derived from 3 families, 7 subfamily, 8 genera and 10 species. As for the species of grasshoppers that Nisitrus vittatus, Teleogryllus emma, Teleogryllus sp., Conocephalus maculatus, Euconocephalus sp., Mecopoda sp., Mecopoda elongata, Phaneroptera brevis, Onomarchus uninotatus and Gryllotalpa nympichus.</p>
ASMUNI, ST., MM
2022 · Article · Open Access
<p>Increasing uses of chemicals in the laboratory result of waste substances increased. If those wastes are not carefully managed , various pollutions in the environment will occur. The research deals with the use of a simple filtering for laboratory type liquid waste before disposal. This study took the wastewater IAIN Batusangkar chemical laboratory as the object of research. The tools used to measure the concentration of waste are pH meters and TDS meters, with waste analysis before filtering are color: orange, temperature: 25.5°C, pH: 3.1, TDS (dissolved solids): 11.16, Salt (salinity level ): 8.38, COND: 16.78 mS and a waste volume of 300 ml filtered using simple tools and materials, tools with a height of 23 cm and supported with such materials as sponges, wood charcoal, sand, gravel, coconut fiber, cotton, small stone, with a height of each material in the tool that is 3.5 cm. The results shows that the simple filtering instrument for laboratory waste worked quite well, with a one-time analysis of waste where the results are as follow color: clear, temperature: 25.3°C, pH: 6.2, TDS: 13.23, SALD: 9.93, COND: 19.88 mS, volume of waste: 150 ml. It can be concluded that filtering is successfully filtered waste is approaching the normal pH of pure water that is 7.</p>
ASMUNI, ST., MM
2022 · Article · Open Access
<p>This research purpose to know of wide diversity of the yard in the Village of Tambusai Timur District of Tambusai Rokan Hulu Regency Province of Riau. This research have done on February until April 2018 that used direct observation (server inventarisasi). The plant that can be identify the researcher describ them with character of morfologyzal the source of reference the result of this research. Get the poin and indeksof wide diversity of the yard the telatively high on stasiun one (4,65), stasiun two (4,90) and stasiun three (3,72). That get 53 family, 96 genus and 107 species. The plant have habitus tree, shrub shaped or herbs that in use for ornamental plant, fruit and, food and medicine. All the species can get from the family Apocynaceae, Araceae, Euphorbiaceae, Myrtaceae, Palmae, Rutaceae and Zingeberaceae.</p>
ASMUNI, ST., MM
2022 · Article · Open Access
<p>Tuberculosis is a serious health problem that should be concerned. According statistic of The World Health Organization (WHO) show there are 1,7 million deaths due to tuberculosis. Indonesia inclue one of 3 highest incidence of tuberculosis cases in the world. This study aimed to determine the number of leucocytes and erithrocyte sediment rate (ESR) with pulmonary tuberculosis before and after administration of the anti-tuberculosis drugs (OAT). This study used description crosssectional research design. Observations were carried out in patients with tuberculosis who received therapy for 6 months OAT agains leucocytes and ESR before and after treatment. Subjects were new case of pulmonary tuberculosis with acid fast bacilli (BTA) positive and BTA negative Rontgen positive in Dharmasraya district. Materials such examination whole blood samples with EDTA anticoagulant. The result subject are 30 people. Examination of leucocytes and ESR performed before and after administration of the OAT. Result of data analysis showed that changesin the number of leucocytes significance value p=0,000 (< 0,05) and ESR significance value p=0,000 (< 0,05). This suggest that there are significant differences in the number of the leucocytes and ESR before and after administration of the antituberculosis drugs.</p>
ASMUNI, ST., MM
2022 · Article · Open Access
<p>The development in textile industry results in the increase of the use of non-organic materials in human life, such as the use of dyes that cannot be decomposed naturally, such as the use of artificial dyes in textile industry and other similar fields. This implies that if those artificial dye are not carefully managed, they will have a definite impact on the environment, such as water pollution where those substances contaminate clean water and therefore will be very dangerous for human daily needs of water for drinking, bathing and other needs. This in turn will cause various diseases in living things and pollute nature as well. The purpose of this study is to figure out the effect of methyl orange degradation by the addition of TiO<sub>2</sub> photocatalyst. In this study, 10 ppm orange methyl solution were used, where 5 ml of orange methyl were dissolved in 5 ml of water then added with TiO<sub>2</sub> and then irradiated with UV for 180 minutes. By calculating the degradation of methyl orange every 10 minutes, which was measured using a UV-Vis spectrophotometer. The finding shows that the longer the irradiation takes place, the more desirable degradation of methyl orange is desired. The results obtained from 180 minutes are absorbance values that are worth 0.8 down to 0.3.</p>
ASMUNI, ST., MM
2022 · Article · Open Access
<p>The purpose of this research was to know the influence of the addition of Ginger flour in the feed to the value of the levels of lipid and protein Broiler meat. These researches were conducted that used Soxhlet method to tested the lipid quality and Kjeldahl method to tested the protein. The sample were used Broiler aged 1 weeks up to 2 weeks, after 2 weeks old chicken was divided into 4 treatment groups of 6 each control group (P<sub>0</sub>) without treatment, P<sub>1</sub> with addition of ginger flour in feed 2.5%, P<sub>2</sub> in the addition of ginger flour in the diet of 5%, P<sub>3</sub> with the addition of ginger flour in the feed as much as 7.5%. After 42 days old, Broiler conducted sampling of meat in the treatment for the examination of the levels of lipid and protein. The Data obtained are then analyzing used a One-way Anova. The result of these researches is in the range of lipid quality: P<sub>0</sub> (8,33%), P<sub>1</sub> (6,33%), P<sub>2</sub> (5,25%), P<sub>3</sub> (5,08%) After analyzed have done it shown there were differences that significance (p>0,05). Result of checked of protein quality: P<sub>0</sub> (5,59%), P<sub>1</sub> (5,32%), P<sub>2</sub> (5,36%), P<sub>3</sub> (5,45%) After analyzed were done there is no significance difference (p>0,05). The higher the percentage of ginger flour, the lower the fat content of broiler chicken.</p>
ASMUNI, ST., MM
2022 · Article · Open Access
<p><em>The management of dynamic records becomes the reference of an organization to achieve the goals of the organization. Dynamic archives will not be separated from correspondence in each unit at the agency. The background of this research is that the archives of Ushuluddin Adab and Da'wah (FUAD) IAIN Batusangkar have not been maximized. The research that the author uses is descriptive research with a qualitative approach. There were 4 informants in this assessment consisting of 1 Head of Administration and 4 archiving officers in the Faculty environment, are a receptionist manager, 3 departmental employees namely 1 Department of Library and Islamic Science Department 1 employee, Islamic Broadcast Communication 1 people and employees majoring in Islamic Political Thought 1 person. Based on observations made by the author, it can be concluded that the management of dynamic archives at the Faculty of Usuluddin Adab and Da'wah (FUAD) of Batusangkar IAIN has not run optimally, for the management of incoming and outgoing letters such as official letters, student letters in their distribution require a long time especially when the receptionist was not in place because the receptionist was a lecturer employed. Staff limitations and the difficulty in re-finding archives are due to the management of archives that are not in accordance with the standards and inadequate supporting facilities. Archival shrinkage in the Faculty of Usuluddin Adab and Da'wah has not used the Archive Retention Schedule.</em></p>
ASMUNI, ST., MM
2022 · Article · Open Access
<em>This study aims to determine the Islamization of the science of Syed Naquib Al-Attas as a process of human liberation from magical, mythological, animistic, national-cultural traditions, and control of reason and language. The authors use the descriptive-analytic methods for library data that is relevant to the object of research. The results of this study indicate that the Islamization of the Syed Naquib Al-Attas science is an academic response in order to criticize the development of modern Western science which is considered to have fundamentally damaged the order of life. Al-Attas criticized the Western world view which had deified rational-empirical so that it is assumed that things that are supernatural and not visible to the human senses are something that cannot be trusted.</em>
