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All Journal Jurnal Ekonomi Bisnis Syariah Jurnal Keguruan dan Ilmu Pendidikan
Hasriani Zainuddin
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Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences Other

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STRATEGI PENYELESAIAN PEMBIAYAAN MURABAHAH BERMASALAH DI PT. BANK BNI SYARIAH KANTOR CABANG PEMBANTU KOLAKA Hasriani Zainuddin; Muh Iqbal; Dewi Angraeni
Jurnal Ekonomi Bisnis Syariah Vol 3 No 1 (2020): Jurnal Ekonomi Bisnis Syariah
Publisher : IAI Al-Mawaddah Warrahmah Kolaka

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Abstract

Bank BNI Syariah Sub-Branch Office Kolaka is one of the financial institutions tasked with raising funds from the public and channeling funds to the public in the form of financing based on sharia principles. Financing at PT. Bank BNI Syariah Sub Branch Office of Kolaka uses murabaha contract, where the financing is inseparable from the constraints that result in problematic financing (default) so a handling strategy is needed in resolving these constraints. The formulation of the problem in this study is what factors cause the occurrence of problematic murabaha financing at PT. BNI Syariah Bank Branch Office Kolaka Assistant? and how the strategies implemented by PT. BNI Syariah Bank Branch Office Kolaka in resolving murabaha financing problems? The research objective is to determine the factors causing the occurrence of problematic murabaha financing and strategies for solving problematic murabaha financing at PT. BNI Syariah Bank Branch Office Kolaka Assistant. The research method used is a qualitative approach to the type of descriptive research. The study was conducted through the stages of observation, interviews and documentation. The results showed that the factors that caused murabaha financing problems at PT. Bank BNI Syariah Sub-Branch Office Kolaka is an external factor (from customers), among others due to a decrease in turnover, customer business closure, demotion, bad character, customers doing dishonest things and deviating from the contract. Therefore, the bank made several efforts to settle this problematic murabaha financing with a collection strategy, deliberation, giving warning letters up to 3 times, rescheduling, taking over, selling other assets, selling voluntary collateral, auctioning, and write off.
Pengaruh Program Literasi Terhadap Prestasi Belajar Siswa Kelas III SDN 244 Inpres Bera Kabupaten Tana Toraja Irene Hendrika Ramopoly; Hasriani Zainuddin
Jurnal Keguruan dan Ilmu Pendidikan Vol 9 No 3 (2020)
Publisher : LPPM UKI Toraja

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Literacy program is a reading activity 15 minutes before the study time begins. Literacy programs teach students the ability to independently access, understand, and use things intelligently through reading, writing, seeing, listening, and speaking activities that can be realized in life. This research aims to find out "The Influence of Literacy Program on The Learning Achievement of Grade III Students of SDN 244 Inpres Bera Kabupaten Tana Toraja". This research is quantitative research. The subjects in this study were grade III students of SDN 244 Inpres Bera Kabupaten Tana Toraja in the 2019/2020 school year which numbered 22 students (1 class).Data collection techniques using Likert Scale and documentation. The scale of the literacy program used in this study uses a questionnaire provided by researchers and has tested the validity of 14 statements, and achievements using the student report value documentation. Data analysis techniques are performed with descriptive statistics. Hypothetical testing uses Product Moment correlation analysis. The results showed a correlation rate of 0.527 indicating the influence of both variables in the moderate category, with a value of 0.012<0.05. Thus H1 is accepted and H0 is rejected meaning that there is an influence of literacy program on the learning achievement of grade III students of SDN 244 Inpres Bera.
Co-Authors DEWI ANGRAENI Irene Hendrika Ramopoly Muh Iqbal