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SHARING OF RISK PADA ASURANSI SYARIAH (TAKAFUL): PEMAHAMAN KONSEP DAN MEKANISME KERJA Netta Agusti
Jurnal MD Vol 3, No 2 (2017)
Publisher : UIN Sunan Kalijaga

This paper aims to see how the concept and mechanism of sharing of risk on Takaful Insurance. Secondary data has been used such as books and journals of Takaful, daily news, and insurance policies. As an alternative form of conventional insurance-based insurance, Takaful is able to neutralize the contradictions of existing concepts in conventional insurance, so it is acceptable and not contrary to existing sharia principles. This study explains uncertainty that occurs in the future towards the soul as well as the asset requires people to be more alert about the risks that may arise. The need for it makes insurance a financial necessity in the context of minimizing possible risks. The risk that befell the participants of the insurance, not only borne by the company alone, but by all participants Takaful Insurance, this becomes one of the differentiator between Takaful with the conventional insurance.

Manajemen Sumber Daya Manusia Islam: Sejarah, Nilai, dan Benturan Ihsan Rahmat; Netta Agusti
JURNAL ILMIAH SYI'AR Vol 18, No 1 (2018): Februari 2018
Publisher : Institut Agama Islam Negeri Bengkulu

Human resource management (HRM) in Western perspectives continue to be questioned in the East, especially from Islamic academics. There is hope to implement religious teachings in the organizational sphere. Generally, this paper discusses issues in Islamic HRM, questioning the extent to which Islam (text and context) governs people in organizations. Putting forward the literature sourced from the pages of Ebsco and Emerald using the keywords "Islamic Human Resources Management." Found 96 journals, but only 21 contained the themes we meant. Then read intensively, make mapping, determine the main ideas of each journal, and group ideas based on themes. These themes were discussed: the internalization of Islam in HRM, Islamic values in HRM, developments in Muslim countries, and the challenges of Islamic HRM. This paper found religion entered the organizational realm not far after the discussion of industrial psychology was discussed. Using framework of 'the management theory jungle', the role of religion in organizations can be explained. HRM is a Western product that emerged after the industrial revolution. The argument positions Islam as a regulator of halal-haram restrictions on human activities in the organization. Furthermore, the cultural phenomenon above religion is also a hot issue. Managers know, understand, and acknowledge the goodness of Islam, but not yet for practice. So far, the expert study of Islamic HRM is still merely exploring values based on four sources, namely the Qur'an, Hadith, Ijma ', and Qiyash. Need best practice research, so that later it will be able to bring up the Islamic HRM curriculum.

SUMBER DAYA MANUSIA KOPERASI JASA KEUANGAN SYARIAH (KJKS) DI KOTA PADANG: DILEMA ANTARA PENGELOLAAN DAN PEMAHAMAN KONSEP M. Zaky Mubarak Lubis; Netta Agusti
JURNAL ILMIAH SYI'AR Vol 19, No 1 (2019): Juni 2019
Publisher : Institut Agama Islam Negeri Bengkulu

This study try to reveal the understanding of the human resources of Koperasi Jasa Keuangan Syariah (KJKS) on the basic principles of sharia economics. As a sharia microfinance institution, KJKS will face daily Muslim customers and operational systems that demand basic knowledge of Islamic economics. This study uses the focus group discussion (FGD) method with a sample target of 30 KJKS managers in the City of Padang. The sample was given 18 items pre-test questions related to the basics of Islamic economics with a choice of yes or no. We find that the main problem is still understanding the concept of Islamic economics, where there are still many cooperative managers who lack knowledge. Research shows that 39% of managers do not know clearly how the Islamic economy is. We then conducted an FGD by giving an understanding of the understanding of Islamic economics and sharia finance. It was seen an increase in the percentage graph of the understanding of cooperative managers, namely 86% of managers were able to understand the fundamentals of sharia economic concepts and sharia finance, while the other 14% were unable to understand right.

Islamic Man: Deep Insights from Monzer Kahf Netta Agusti
JURNAL ILMIAH SYI'AR Vol 21, No 2 (2021): December 2021
Publisher : Institut Agama Islam Negeri Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/syr.v21i2.5352

This paper aims to discuss how the contemporary economic figure Monzer Kahf thinks about Islamic economics. This paper provides an overview of how the discussion of Kahf's theory of an economic system that works based on Islamic teachings. The basic assumption of the theory built by Kahf is a critique of the economic man that applies to conventional economics, Kahf provides a form of thought as a substitute for this concept known as the concept of Islamic man. On that basis, Kahf developed the theory of consumption and production, the teachings of the commandment of zakat, the prohibition of usury and the idea of al-qirad as an alternative to the interest system.

THE BALANCED SCORECARD: MAKSIMALISASI EMPAT PERSPEKTIF STRATEGIS ASURANSI SYARIAH NETTA AGUSTI
JEBI (Jurnal Ekonomi dan Bisnis Islam) Vol 3, No 1 (2018): Januari - Juni 2018
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/jebi.v3i1.149

Past research on the application of performance appraisal using the balanced scorecard (BSC) has been widely applied in conventional and Islamic financial institutions, while for non-bank financial institutions tend to be rare. This study aims to assess performance using the BSC method of performance appraisal of Islamic financial institutions in the non-bank PT. Asuransi Takaful Umum Padang Branch. During this time, PT. Asuransi Takaful Umum Padang Branch using the system GPA (Grade Point Average) in performance assessment. GPA rated yet positioned to assess the overall performance of the organization because it is more focused on the internal side of the employees. BSC is a measurement tool that is not only viewed from the financial side, but overall a good non-financial, internal, and external companies. This research uses triangulation concurrent study the research method that combines qualitative and quantitative research methods in a balanced way. The conclusion from this study is that the performance of PT. Asuransi Takaful Umum Padang Branch can be said to be very good with a total score of 89.25% votes. With the weight of the financial perspective in the company's financial condition can be said to be very good with a score of 92.23%, the customer perspective in the position to settle with a score of 76.42% votes, internal business process perspective are in very good condition, whereby this perspective provides assessment score of 100%, as well as the learning and growth perspective in very good condition with a total score of votes obtained by 89.41%.

Analisis Trend Rasio Likuiditas Bank Muamalat Menggunakan Metode Least Square M. Zaky Mubarak Lubis; Ihsan Rahmat; Netta Agusti; Andre Wiratha
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2022)
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.v8i2.7174

This study aims to see the development of Bank Muamalat's liquidity ratio in 2015-2018. This type of research is descriptive with a quantitative approach. The method used is Trend Analysis with least square method. The data collection technique used in this study is documentation. In this study, researchers used secondary data in the form of annual report Muamalat Bank in 2015-2018. The results showed that the development of Muamalat Bank liquidity for the 2015-2018 period in terms of FDR was 90 %, 95 %, 85 % dan 74 %. The comparison of the real value of FDR and the value of FDR Trends from 2015-2018 is 90%, 95%, 85% and 74% compared to 83.1%, 80.2%, 77.3% and 74.3%. This shows the tendency of trend values that are getting closer to the real value in 2018. Prediction of the value of FDR in 2019-2021 based on the equation Y = 86-2.9 (X) is 71.5%, 68.6% and 65.4%. The trend value shows a decrease in percentage which shows the stronger liquidity of Bank Muamalat in the same time as the composite index

Maximizing Productive Zakat Earnings through Internal Supervision Strategy in Zakat Organizations Netta Agusti; Mika Arsela; Fadli Ashari
JURNAL ILMIAH SYI'AR Vol 22, No 2 (2022): December 2022
Publisher : Institut Agama Islam Negeri Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/syr.v22i2.8801

This study discusses the implementation of internal control to maximize the acquisition of productive zakat funds in the Bengkulu Branch of the Indonesian Zakat Initiative. This research uses qualitative based on primary and secondary data. Data collection techniques using observation, interviews, and documentation. To test the validity of the data, researchers used triangulation analysis. The study results found that internal control for Productive Zakat at the Indonesian Zakat Initiative Bengkulu Branch begins with tidying up the data and distributing the data to each member in the related field. Each member gets a regular schedule. Part of this work is done manually and partly using an e-donation application. The best supervisors get awards for achieving work targets and provide sanctions/reprimands for those who do not complete their work targets. Finally, this study recommends further discussing effective zakat control in Indonesian zakat initiatives.

Becoming a Sustainable of Da'wah Organization in Crisis Era: Experience from Rumah Tahfiz in Bengkulu M. Ridho Syabibi; Ashadi Cahyadi; Netta Agusti
Al-Ulum Vol. 23 No. 1 (2023): Al-Ulum
Publisher : Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/au.v23i1.3585

This study aims to explore the management of da'wah organizations generally relies on an unlimited donation mechanism. The non-profit pattern makes it possible for organizations to experience financial risk in times of crisis. This paper reveals the efforts made by the Rumah Tahfiz Impian (RTI) in Bengkulu City to continue to be sustainable during Covid-19. Field data was collected through in-depth interviews with ten informants; non-participant observations were made several times to obtain additional evidence and documentation that was considered supportive. All data is tabulated and analyzed using coding, categorization, and thematic systems. Our panel found that cost-sharing was the key to RTI's success in getting out of the crisis. Inconsistencies in donor donations are still resolved by dividing the daily operational burden among the students' parents and the community around the environment. Several efforts were made, such as scheduling pickets between side dishes and vegetables, rice or primary food donations, and money. This finding provides insight into Rumah Tahfiz which has cases of opening institutions that need more planning and management skills. Research with the same focus but for different cultural backgrounds of society needs to be carried out in the future

Pemanfaatan Zakat untuk Meningkatkan Pendapatan Mustahiq pada BAZNAS Kabupaten Dharmasraya Tezi Asmadia; Ihdi Aini; Netta Agusti
ZAWA: Management of Zakat and Waqf Journal Vol 3, No 1 (2023): ZAWA: MANAGEMENT OF ZAKAT AND WAQF JOURNAL
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/zawa.v3i1.9509

The main problem in this study is that the Productive Economy program is one of the Dharmasraya Makmur programs which aims to increase mustahiq's income in the long term and change their economic capabilities for the better. However, in carrying out productive zakat distribution programs, many problems occur in the field, including failures due to their own efforts such as production aspects, low business motivation, indiscipline in the use of zakat funds and indiscipline in the use of funds, causing differences in the income of mustahiq recipients of productive zakat funds. The type of research conducted is field research or field research using a descriptive qualitative approach. Data collection techniques that the authors use are interviews and documentation. The analysis technique used is data reduction, data presentation, and drawing conclusions. The results showed that the distribution of productive zakat funds in the form of business capital provided by BAZNAS Dharmasraya Regency to 30 mustahiq people as a sample of this study can be said to be successful in increasing mustahiq income in terms of the average increase in mustahiq income, which is 80%. However, mustahiq who are not successful in developing their business because these funds are used to meet mustahiq's personal needs and productive zakat funds channeled by BAZNAS Dharmasraya Regency are quite large but not accompanied by coaching because the accompanying HR (Human Resources) is lacking, so mustahiq who receive these funds are trying to develop their own business, but in the middle of running the business, they are confused about how to manage the business that is being occupied so that there is no significant development.

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