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Efisiensi Keputusan Merger Tiga Bank Syariah di Indonesia pada Masa Pandemi Covid-19 (Studi di BSI Kc Bengkulu Panorama) Kuta Karmila Utari; Yeni Septiyana; Asnaini Asnaini; Khairiah Elwardah
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 10 No S1 (2022): SPECIAL ISSUE DNU 14 TH
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v10iS1.1922

Merger is one of the strategies taken by the company to develop and grow the company. In addition, mergers can create a healthy, efficient and competitive company system. The merger decision was made by the three largest state-owned Islamic banks in Indonesia, namely Bank Rakyat Indonesia Syariah (BRIS), Bank Negara Indonesia Syariah (BNIS), and Bank Syariah Mandiri (BSM). This is a decision that aims to encourage larger Islamic banks so that they can enter the global market and become a catalyst for Islamic economic growth in Indonesia. The decision made during the COVID-19 pandemic is the main step in the context of strengthening the Sharia economy in Indonesia, which is being suppressed by the COVID-19 pandemic. The merger of state-owned Islamic banks will make the merger of Islamic banking better and more efficient with indicators of increasing market share for Islamic banking in Indonesia. With the aim of providing an overview of the impacts as well as opportunities and challenges that will arise from the BSI merger decision during the Covid-19 pandemic at BSI KC Bengkulu Panorama. The merging of three state-owned Islamic banks has an impact on various aspects. This impact occurs on customers, employees and the community. Mergers also have an opportunity, namely increasing assets in banks for merger participants and will expand market penetration. On the other hand, mergers also pose many challenges considering that the COVID-19 has shaken the economy in Indonesia. This study uses a qualitative descriptive research method through interviews, documentation, field research and library research so that it can provide information to solve the problems encountered.

TINJAUAN HUKUM ISLAM TERHADAP PENETAPAN HAKIM PENGADILAN AGAMA BENGKULU NOMOR 85/Pdt.P/2017/PA.Bn TENTANG ITSBAT NIKAH Marhendi Marhendi; John Kenedi; Asnaini Asnaini
Qiyas : Jurnal Hukum Islam dan Peradilan Vol 5, No 1 (2020): APRIL
Publisher : IAIN Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/qys.v5i1.3028

Penelitian ini mengangkat permasalahan mengapa hakim menolak perkara 85/Pdt.P/2017/PA.Bn tentang itsbat nikah dan bagaimana alasan penetapan hakim dalam perkara No. 85/Pdt.P/2017/PA.Bn tentang itsbat nikah serta bagaimana bagaimana alasan penetapan hakim dalam perkara No. 85/Pdt.P/2017/PA.Bn tentang itsbat nikah ditinjau dari Pasal 2 UU No. 1 tahun 1974 dan KHI. Metode penelitian hukum yang digunakan adalah yuridis normatif, dengan pendekatan undang-undang, pendekatan kasus, dan pendekatan konseptual, dan metode pengumpulan bahan hukum studi dokumenter dan tinjauan pustaka setelah data didapat kemudian dilakukan penginventarisasian terhadap bahan hukum yang berhasil dikumpulkan tersebut berdasarkan relevansinya dengan pokok masalah dengan penelitian ini kemudian dianalisis dengan deskriptif normatif. Hasil penelitian menunjukkan bahwa alasan hakim menolak perkara permohonan nomor 85/Pdt.P/2017/PA.Bn tentang itsbat nikah dikarenakan bertentangan dengan Pasal 9 Undang-Undang No. 1 Tahun 1974 dan Pasal 40 huruf a Kompilasi hukum Islam, sehingga perkawinan tersebut dianggap tidak sah dan alasan penetapan hakim dalam perkara nomor 85/Pdt.P/2017/PA.Bn tentang itsbat nikah bahwa Hakim tidak hanya melihat atau mempertimbangkan hukum formil dan materilnya saja, akan tetapi dalam perkara ini hakim mempunyai keyakinan yang kuat adanya indikasi terjadinya penyelundupan hukum, serta alasan penetapan hakim dalam perkara 85/Pdt.P/2017/PA.Bn tentang itsbat nikah ditinjau dari Pasal 2 Undang-Undang No.1 Tahun 1974 Tentang Perkawinan bahwa perkawinan dapat dikatakan sah apabila dilakukan menurut hukum masing-masing agamanya dan kepercayaannya itu. Ini berarti bahwa jika suatu perkawinan telah memenuhi syarat dan rukun nikah atau ijab qabul telah dilaksanakan (bagi umat Islam), maka perkawinan tersebut adalah sah.

PEMBIAYAAN BERMASALAH DI BANK SYARIAH Suhaimi Suhaimi; Asnaini Asnaini
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 4, No 2 (2018)
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Bengkulu

Financing is a process from the analysis of the feasibility of financing to the realization. Realization of financing is not the last stage of the financing process. After the financing realization, sharia banks need to conduct monitoring and supervision of financing, because in term of financing is not impossible to occur problematic financing due to several reasons. Islamic banks should be able to analyze the causes of problem financing so that it can make an effort to reinvent the quality of the financing.

PEMBIAYAAN BERMASALAH DI BANK SYARIAH Suhaimi Suhaimi; Asnaini Asnaini
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 2, No 1 (2016)
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v4i2.948

Financing is a process from the analysis of the feasibility of financing to the realization. Realization of financing is not the last stage of the financing process. After the financing realization, sharia banks need to conduct monitoring and supervision of financing, because in term of financing is not impossible to occur problematic financing due to several reasons. Islamic banks should be able to analyze the causes of problem financing so that it can make an effort to reinvent the quality of the financing.

TINJAUAN HUKUM ISLAM TERHADAP PENETAPAN HAKIM PENGADILAN AGAMA BENGKULU NOMOR 85/Pdt.P/2017/PA.Bn TENTANG ITSBAT NIKAH Marhendi Marhendi; John Kenedi; Asnaini Asnaini
Qiyas : Jurnal Hukum Islam dan Peradilan Vol 5, No 1 (2020): APRIL
Publisher : IAIN Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/qys.v5i1.3028

Penelitian ini mengangkat permasalahan mengapa hakim menolak perkara 85/Pdt.P/2017/PA.Bn tentang itsbat nikah dan bagaimana alasan penetapan hakim dalam perkara No. 85/Pdt.P/2017/PA.Bn tentang itsbat nikah serta bagaimana bagaimana alasan penetapan hakim dalam perkara No. 85/Pdt.P/2017/PA.Bn tentang itsbat nikah ditinjau dari Pasal 2 UU No. 1 tahun 1974 dan KHI. Metode penelitian hukum yang digunakan adalah yuridis normatif, dengan pendekatan undang-undang, pendekatan kasus, dan pendekatan konseptual, dan metode pengumpulan bahan hukum studi dokumenter dan tinjauan pustaka setelah data didapat kemudian dilakukan penginventarisasian terhadap bahan hukum yang berhasil dikumpulkan tersebut berdasarkan relevansinya dengan pokok masalah dengan penelitian ini kemudian dianalisis dengan deskriptif normatif. Hasil penelitian menunjukkan bahwa alasan hakim menolak perkara permohonan nomor 85/Pdt.P/2017/PA.Bn tentang itsbat nikah dikarenakan bertentangan dengan Pasal 9 Undang-Undang No. 1 Tahun 1974 dan Pasal 40 huruf a Kompilasi hukum Islam, sehingga perkawinan tersebut dianggap tidak sah dan alasan penetapan hakim dalam perkara nomor 85/Pdt.P/2017/PA.Bn tentang itsbat nikah bahwa Hakim tidak hanya melihat atau mempertimbangkan hukum formil dan materilnya saja, akan tetapi dalam perkara ini hakim mempunyai keyakinan yang kuat adanya indikasi terjadinya penyelundupan hukum, serta alasan penetapan hakim dalam perkara 85/Pdt.P/2017/PA.Bn tentang itsbat nikah ditinjau dari Pasal 2 Undang-Undang No.1 Tahun 1974 Tentang Perkawinan bahwa perkawinan dapat dikatakan sah apabila dilakukan menurut hukum masing-masing agamanya dan kepercayaannya itu. Ini berarti bahwa jika suatu perkawinan telah memenuhi syarat dan rukun nikah atau ijab qabul telah dilaksanakan (bagi umat Islam), maka perkawinan tersebut adalah sah.

Pengaruh Perspektif Generasi Z terhadap Keputusan Berinvestasi di Pasar Modal Syariah (Studi Kasus pada Mahasiswa FEBI UIN Fatmawati Sukarno Bengkulu) Alen Tri Wahyuni; Asnaini Asnaini; Romi Adetio Setiawan
LABATILA: Jurnal Ilmu Ekonomi Islam Vol 6 No 02 (2022)
Publisher : LPPM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33507/labatila.v6i01.977

The purpose of this study is to counter the results of KSEI's data in 2022 regarding the number of investors dominated by generation Z and the results of a survey conducted by KIC regarding the decisions of generation Z to invest in the Islamic Stock Exchange. The approach used is quantitative. The population in this study were students of” FEBI UIN Fatmawati Sukarno Bengkulu. The sampling technique used is quota sampling, which is the students of FEBI UIN Fatmawati Sukarno Bengkulu which amounts to 50 people who have or not a stock account. The results tested by SPSS 25, with a significance value of 0.109 > 0.05. However, the results of the research conducted, it concluded that the zero Hypothesis (H0) is accepted, which is perspective (X) variable has no significant effect on investment decisions (Y) variable in the Islamic Stock Exchange. The results also show that out of 50 respondents there are only 7 (14%) respondents who already have a stock account. They have a stock account admitted that did not understand the investment system and also the reason they opened a stock account only to fulfill their assignments. Meanwhile, 43 (86%) of them admitted did not interest in investing, apart from their perspective which was not very open to investing in the Islamic Stock Exchange, they also have no interest in knowing more about the investment system and they did not lesson of investing in Islamic Stock Exchange.

Pengaruh Perspektif Generasi Z terhadap Keputusan Berinvestasi di Pasar Modal Syariah Alen Tri Wahyuni; Asnaini Asnaini; Romi Adetio Setiawan
LABATILA : Jurnal Ilmu Ekonomi Islam Vol 6 No 02 (2022)
Publisher : Lembaga Penelitian dan Pengembangan Masyarakat IAINU Kebumen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33507/labatila.v6i02.1022

The purpose of this study is to counter the results of KSEI's data in 2022 regarding the number of investors dominated by generation Z and the results of a survey conducted by KIC regarding the decisions of generation Z to invest in the Islamic Stock Exchange. The approach used is quantitative The population in this study were students of FEBI UIN Fatmawati Sukarno Bengkulu. The sampling technique used is quota sampling, which is the students of FEBI UIN Fatmawati Sukarno Bengkulu which amounts to 50 people who have or not a stock account. The results tested by SPSS 25, with a significance value of 0.109 > 0.05. However, theresults of the research conducted, it concluded that the zero Hypothesis (H0) is accepted, which is perspective (X) variable has no significant effect on investment decisions (Y) variable in the Islamic Stock Exchange. The results also show that out of 50respondents there are only 7 (14%) respondents who already have a stock account. They have a stock account admitted that did not understand the investment system and also the reason they opened a stock account only to fulfill their assignments. Meanwhile,43 (86%) of them admitted did not interest in investing, apart from their perspective which was not very open to investing in the Islamic Stock Exchange, they also have no interest in knowing more about the investment system and they did not less on of investing in Islamic Stock Exchange

PENGEMBANGAN LKPD BERBASIS PENDEKATAN SCIENTIFIC UNTUK MENINGKATKAN HASIL BELAJAR DAN AKTIVITAS PESERTA DIDIK PADA MATERI LARUTAN PENYANGGA Asnaini Asnaini; Adlim Adlim; Mahidin Mahidin
Jurnal Pendidikan Sains Indonesia Vol 4, No 1 (2016): APRIL 2016
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (132.091 KB)

Penelitian ini dilakukan untuk mengembangkan lembar kerja peserta didik (LKPD) berbasis pendekatan scientific pada konsep larutan penyangga. LKPD divalidasi oleh para pakar dan diuji cobakan pada peserta didik. Tujuan penelitian ini adalah melihat hasil belajar, aktivitas dan tanggapan peserta didik. Penelitian dilakukan di SMA Negeri 11 Banda Aceh dengan menggunakan penelitian kuantitatif dengan metode penelitian reasearch and development (RD). Penelitian ini menggunakan metode kuasi eksperimen dengan desain Pre –test and Post-test Group. Rata-rata skor penilaian para pakar sebesar 3,28 (baik). Hasil uji coba LKPD menunjukkan bahwa 95,31% guru dan 97,5% peserta didik memberikan respon positif terhadap LKPD. Hasil uji normalitas dan homogenitas menunjukkan bahwa data homogen dan berdistribusi normal. Hasil uji-t diperoleh thitungttabel (4,582,072) yang artinya terjadi perbedaan hasil belajar yang signifikan antara kedua kelas. Aktivitas peserta didik juga menunjukkan adanya perbedaan yaitu kelas eksperimen menunjukkan aktivitas yang lebih baik daripada kelas kontrol. Peserta didik juga memberikan tanggapan yang positif terhadap penggunaan LKPD, sehingga dapat disimpulkan bahwa pembelajaran dengan menggunakan LKPD berbasis pendekatan scientific dapat meningkatkan hasil belajar dan aktivitas peserta didik.

Perkembangan Konseling Pendidikan: Strategi, Inovasi, dan Praktik Terbaik Asnaini Asnaini; Qurratul Aini; Futri Ramadhani; Gusman Lesmana
Sublim: Jurnal Pendidikan Vol 2 No 1 (2023): Sublim: Jurnal Pendidikan
Publisher : Universitas Muhammadiyah Enrekang

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

Artikel ini bertujuan untuk menggali strategi, inovasi, dan praktik terbaik dalam bidang konseling pendidikan. Melalui penelitian yang dilakukan oleh sejumlah pakar konseling pendidikan, artikel-artikel dalam jurnal ini menyajikan pemahaman mendalam tentang upaya untuk meningkatkan kualitas pendidikan melalui penerapan konseling yang efektif dan berkelanjutan. Penelitian ini mencakup berbagai topik, termasuk teknik konseling inovatif, pengembangan program bimbingan dan konseling yang holistik, serta pemanfaatan teknologi dalam konseling pendidikan. Hasil penelitian ini memberikan panduan praktis bagi para praktisi konseling pendidikan dalam memperbaiki layanan mereka, mencapai tujuan pendidikan yang optimal, dan mempromosikan perkembangan holistik siswa.

Application of the Mudharabah Agreement in the Profit Sharing System for Raising Cattle (Study in Penago II Village, Ilir Talo District, Seluma Regency) Titi Nur Wahidah; Asnaini Asnaini; Makmur Makmur
SEMB-J : Sharia Economic and Management Business Journal Vol. 5 No. 1 (2024): Februari
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v5i1.1207

The purpose of this research is to find out how the application of the contract that has been running in Penago II Village, Ilir Talo Subdistrict, Seluma Regency and to find out the application of the mudharabah contract on the profit sharing of raising cattle in Penago II Village, Ilir Talo Subdistrict, Seluma Regency. This research uses a qualitative descriptive approach. Informants in the study were 8 people. Data collection techniques using observation, interviews, and documentation. Data analysis techniques use data reduction, data presentation and conclusion drawing. From the results of the research and discussion, it is concluded that the application of the contract that occurred in Penago II Village uses agreements and profit sharing, capital, profit sharing, risks and continuation of the contract if one of the parties dies, influencing factors, various types of cows that are in the field, and the time period. the agreement is only done verbally only trust each other in making this agreement, the profit sharing system in the mudharabah contract carried out between the owner and the manager in Penago II Village. With the division of the ratio divided 60:40. This occurs by agreement between the two parties. If in the process of this contract there is a loss, it will be borne by both parties, as long as the mistake is not due to the negligence of the manager. The profit sharing carried out by the people of Penago II Village is in accordance with the concept of mudharabah in Islamic Economics, namely, capital, management, collateral, time period and profit ratio to the manager. So that the profit sharing carried out by the people of Penago II Village is going well.

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