UIN (Universitas Islam Negeri) Sunan Kalijaga, Yogyakarta: E-Journal Fakultas Ekonomi dan Bisnis Islam
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Model Pentahelix dalam Pengembangan Desa Wisata di Desa Perlang Kabupaten Bangka Tengah, Bangka Belitung
Get PDFIn an effort to develop the Perlang Tourism Village, through the role of the Pentahelix Model. Perlang Tourism Village is one of the tourism areas located in Lubuk Besar District, Central Bangka Regency which has the potential to be developed because it has many attractive tourist destinations. The role of Pentahelix such as Academics, Business, Community, Government and Media seeks to develop Perlang Tourism Village for the better. However, it is not known in depth the involvement of related parties in the Development of the Perlang Tourism Village. Therefore, the researcher made the formulation of the problem in this research how is the Pentahelix Model in the development of the Perlang Tourism Village. The purpose of this study was to determine the involvement of the role of each informant to optimize the development potential of the Perlang Tourism Village. The method used in this research is descriptive qualitative. The conclusion in this study is that the Pentahelix Model in Perlang Tourism Village Development has been running optimally. This is because the collaboration between informants has been going well and the roles of each actor have been realized optimally
Pengaruh Financial Crunch pada Bank Syariah dan Pembiayaan UMKM terhadap Pertumbuhan Ekonomi di Indonesia
No full textPerekonomian indonesia telah mengalami berbagai tantangan maupun hambatan perekonomian yang cukup besar dalam sejarahnya, seperti adanya fenomena hyperinflation yang terjadi pada tahun 1960an, krisis moneter pada tahun 1997, krisis global pada tahun 2008, dan baru-baru ini bahkan sampai saat ini Indonesia mengalami krisis ekonomi akibat pandemi covid-19. Krisis keuangan global juga berdampak pada sektor perbankan, salah satunya dalam melakukan penyaluran kredit. Bank lebih selektif dalam melakukan kebijakannya untuk penyaluran kredit, sehingga hal ini memunculkan fenomena credit crunch. Pada sektor perbankan syariah, fenomena credit crunch lebih identik dengan penggunaan istilah financial crunch. Fenomena ini memiliki hubungan dengan tingkat pembiayaan bank, karena saat terjadinya krisis keuangan bank lebih selektif dalam menyalurkan pembiayaannya, disinilah terjadi perubahan dalam penawaran dan permintaan pembiayaan. Adapun variabel yang digunakan untuk menjelaskan pengaruh financial crunch pada bank syariah yaitu Non Performing Financing (NPF), Dana Pihak Ketiga (DPK), dan Financing To Deposit Ratio (FDR), serta adanya variabel pembiayaan UMKM untuk melihat pengaruh nya terhadap pertumbuhan ekonomi di Indonesia, yang diproyeksikan dengan data IPI. Dalam penelitian menggunakan model analisis Vector Error Correction Model (VECM) menggunakan data time series bulan Januari 2010 – Maret 2021. Hasil penelitian ini menunjukkan tidak adanya fenomena financial crunch pada saat terjadinya krisis keuangan, serta adanya perubahan pembiayaan UMKM juga tidak dapat menekan angka IPI
Students\u27 Interest in Using SIPINTAR Savings Products from PT. Kerinci Community Development Cooperative Bank: A Review of Promotion and Service Quality
Get PDFResearch Aims: The purpose of this study was to determine the effect of promotion and service quality on students\u27 interest in choosing SIPINTAR products at PT. Bank Perkreditan Rakyat Pembangunan Kerinci.
Methodology: This study uses a quantitative research design with a survey approach. The research sample was 60 students in Kerinci Regency while the sampling technique was the convenience sampling method. The data analysis technique used multiple linear analysis, while the hypothesis testing used the statistical t test and F test with the help of the IBM SPSS 26 application.
Research Findings: The results of this study found that partially promotion had a positive and significant effect on students\u27 interest in using SIPINTAR products, while service quality had no effect on students\u27 interest in using SIPINTAR PT. Kerinci Development People\u27s Credit Bank. The results of the F test show that promotion and service quality simultaneously have a significant effect on using PT. SIPINTAR products. Kerinci Development People\u27s Credit Bank, with the magnitude of this influence, namely 20.6%.
Theoretical Contribution: This research is beneficial for the development of the banking business, especially for regional banks.
Research limitation and implication: This study has limitations, namely only examining promotion factors and service quality in influencing the intention to save. However, the results of this study provide information that promotion is a factor in forming interest in using banking products
The Effect Of Utilization Of Productive Zakat Funds On Mustahik Empowerment at BAZNAS Gorontalo Regency
Get PDFBackground: Productive zakat is distributed to mustahiq to support economic development and the benefits can be felt. The aim of productive zakat is to provide a sustainable impact in alleviating poverty and improving the welfare of the people through a consistently productive economy. The phenomenon at BAZNAS Gorontalo Regency is that there needs to be socialization of productive zakat for the development of human resources and a comprehensive productive zakat movement program.
Objectives: The aim of the research is to analyze the effect of utilizing productive zakat funds on the empowerment of mustahiq and to analyze the differences in the influence of utilizing productive zakat funds on empowering mustahiq.
Novelty: The novelty of the research is to provide zakat analysis on the productive zakat aspect in small areas which has great potential for community economic empowerment and improving the quality of life of the community.
Research Methodology / Design: This research approach uses quantitative methods, sampling methods using questionnaires, interviews and observations with quantitative descriptive analysis methods. The population in this study was 15% of the total mustahiq population.
Findings: Even though productive zakat has an influence on the empowerment of mustahiq, there are some who fail to maintain, use and allocate productive zakat funds to their businesses so that they do not develop, and there are even minimal changes to the mustahiq.
Implication: The impact of the research is the need to continue to increase the allocation of zakat funds for productive activities in order to build economic independence and welfare of mustahiq, maximize the use of zakat funds with regular training for mustahiq, and monitoring in the form of capital coverage reports provided in the form of financial reports to be more professional in managing zakat funds and the use of productive zakat funds is businesslike and serious in carrying out its business to empower mustahik
Determinants of Poverty in East Java During The COVID-19 Pandemic
Get PDFThe global COVID-19 pandemic has infected million people in Indonesia. East Java has experienced Indonesia’s epicentre of positive COVID-19 cases. The economic disruption in East Java due to COVID-19 pandemic has led to increase the number of poor people. This study aims to examine the determinants of poverty during the pandemic outbreak. In this study, we employed multiple linear regression. The results reveals that simultaneously the cumulative number of COVID-19, unemployment rate, Gini Ratio, population density, human development index (HDI), and GRDP per capita affect the risk of poverty in East Java. Partially, the cumulative number of COVID-19, unemployment rate, population density, and HDI shows a significant effect to poverty. While the Gini ratio and GRDP per capita has an insignificant effect. The increase on cumulative number of COVID-19 cases is likely to increase the risk of poverty. Similarly, unemployment has a positive significant affect on poverty. The increase on unemployment rate tends to increase the number of poor people. Contrary, the HDI and population density have a negatively significant effect to poverty. The increase on HDI and population density tends to increase the number of poor people
Maximizing Business Profit: A Perspective from Islamic Economic Law
Get PDFProfit is the main goal taken by businessmen. The amount of profit earned is used as a measuring tool to evaluate the success of a business, so the profit earned must be higher than the cost of production. Nevertheless, there are business actors who take profits that are too large to be detrimental to consumers, so it is necessary to have a good profit standard, where the profits taken still benefit the businessman and not harm the consumer. So the profit taken must be fair and balanced with the cost of production taken. One of the characteristics of a capitalist economy is to minimize capital and obtain maximum profit. Whereas in Islamic economics the profit taken must be fair according to the capital issued. Islam is not specified, but a good profit does not exceed one -third of the capital. The concept of the goal of falah in Islamic business is problematic, and the ultimate goal is the good of the world and the hereafter. In this paper, we will discuss the law of maximizing business profits in Islamic Economic Law, as well as explain the concept of profit taking in Islam
Financial Ratios and Stock Return in the Food and Beverage Company
Get PDFThis study uses financial ratio analysis to investigate the company\u27s stock returns. This study aims to determine the dominant influence of several financial ratios on stock returns. Financial ratios are helpful in evaluating relied returns. The quantitative research approach is used to analyze how financial ratios affect stock returns. The population of this study is companies in the food and beverage sector listed on the Indonesia Stock Exchange. The analysis was carried out from 2017 to 2020 using secondary data sources. Purposive sampling is used in this study, with the sample chosen based on predetermined standards and subjected to multiple linear regression analysis. The analysis\u27 findings demonstrate that DER and TATO have no significant effect on stock returns, while CR, ROA, and ROE have a significant effect on stock returns. optimal corporate profitability is not always achieved by having too many current assets. Additionally, unproductive management of surplus and unused funds will impact declining stock returns. The results of this study indicate that idle current assets cannot generate company profitability because the current ratio is too high indicating an excess of current assets relative to fixed assets
Conventional and Sharia Perspectives on Returns in the Form of Candy and Illegal Parking Attendants
Get PDFPayment transactions at shops, minimarkets, or supermarkets, we as consumers have often experienced returns in the form of candy as a substitute for the remaining money paid. This of course raises various pros and cons between the cashier and the consumer, one of which is when the consumer refuses candy as a return for the remaining payment. The method used in carrying out this activity is Community-Based Participatory Research (CBPR). The purpose of this method is to provide education, provide an overview or example, and discuss information regarding Conventional and Sharia Perspectives on Returns Exchanged for Candy and Illegal Parking Attendants through social media platforms. The results of our campaign activities show that there are still many perspectives from the general public who do not know about whether or not it is permissible to exchange change for candy and how to refuse to pay illegal parking fees. It is hoped that by carrying out the social media campaign and interviews that we have created, the general public is aware of the importance of knowing how it is permissible or not to exchange change for candy and how to refuse to pay illegal parking fees
Determinants of Unemployment Rate in Indonesia (2011-2021 Period)
Get PDFThis study aims to analyze the effect of economic growth, inflation, Human Development Index (HDI), Regional Minimum Wage (UMR) and investment on unemployment rates in Indonesia. The type of this study is quantitative research. Econometric analysis in this study is panel data analysis with a fixed effect model and a random effect model on the secondary data from the Indonesian Central Statistics Agency in 2011-2021 for 33 provinces. The results show that independent variables simultaneously have a significant effect on the unemployment rate in Indonesia during the period 2011-2022. Partially, the variables of Inflation, Human Development Index (HDI), Regional Minimum Wage (UMR) and investment have a significant and significant effect on the unemployment rate. At the same time, the Gross Regional Domestic Product (GRDP) variable does not affect Indonesia\u27s unemployment rate during 2011-2022
The Influence of Foreign Direct Investment (FDI), International Tourism and Export Value on Economic Growth in Member Countries of the Organization of Islamic Cooperation (OIC) During 2010-2020
Get PDFStudies the effect of FDI, international tourism, export on economic growth have various results. Therefore, this study aims to determine the effect of FDI, international tourism, and exports on economic growth in OIC member countries in the 2010-2020 period using the panel data regression method. The number of samples used in this study were 45 countries. Simultaneously, there is a significant influence between the variables of FDI, international tourism, and export value on economic growth in OIC member countries. While partially FDI shows negative and significant results. On the other hand, international tourism has a positive and significant effect and exports also have a positive and significant effect. This study is only limited to 11 periods and three independent variables. For future researchers, it is expected to develop the number of variables and can increase the observation time