Jurnal Fakultas Ekonomi dan Bisnis Islam - Universitas Islam Negeri Imam Bonjol Padang
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KEBERLANGSUNGAN AGENSI KREDIT MIKRO DALAM MEMBANGUN PEDAGANG KECIL : BAITUL MAL WAT-TAMWIL DI PROVINSI RIAU
Get PDFOne of the micro-finance agency, is Baitul Mal wat-Tamwil considered as Islamic micro finance agencies that can provide financial services to people with low income. Islamic micro finance agencies in the past have always shown considerable achievements in terms of quantity, the contribution of the absorption of labour power to the gross national income, so that efforts to empower communities through the development of its own capabilities and social and economic institutions that can reach and serve more communities business unit that cannot be reached directly by the general banking or Islamic banking. Looking a t the development effort, it is necessary to network better security, so that the existence of Baitul Mal wat-Tamwil increasingly powerful, healthy and sustainable. The methodology used in this study qualitative approach. This study shows that there are some factors that affect the sustainability of the BMT finesse Access Capital, Ability to resolve problems installment payment, strict control function, Employee Collaboration (teamwork), willing and Challenges Facing obstacles and Supply of Human Resources
MELIHAT SISTEM PEREKONOMIAN INDONESIA DENGAN PERSPEKTIF ISLAM
Get PDFThe economic system is the process provide income to people's lives, both in the long term and short term. What is wrong with the economic system of Indonesia? Is the government does not pay attention to the public? In theory an economic system that consists of a capitalist, socialist and Islamic system. In its application in Indonesian economic system over the capitalist system tends to apply. Judging from policies issued sometimes more aligned to the owners of capital. Sources of more production controlled by private parties and foreign parties, so that the uneven distribution of income
TANTANGAN PENGEMBANGAN BAITUL MAL WAT-TAMWIL DI PEKANBARU RIAU
Get PDFThe research theme is the business concept According to Islamic economics. This study aims to identify and analyze what is the challenge of development of BMT as Islamic Micro Finance Institutions (LKMS) are legal entities Credit Unions and Islamic Financing (KSPPS) in the city of Pekanbaru in Riau province. Qualitative data used is sourced from secondary data. Technical studies conducted by the method of literature and observations directly. The results showed that the BMT in Pekanbaru faced with a significant challenge because it is associated with similar challenges faced BMT activists across Indonesia. The challenges faced include external challenges Indonesia's economy, dynamics of banking sector, legal and regulatory problems, Role and Position of Cooperatives. Besides, it is a challenge from within the form. Sharia compliance, Institutional Strengthening and employees. Meanwhile all these challenges can be an opportunity BMT in the future if it can be addressed and managed well and Syar'i
DIFFERENTIATION IN RISK PREFERENCES AMONG SME ACTORS AS CUSTOMER OF CONVENTIONAL MFI VS ISLAMIC MFI AT PADANG
Get PDFThis study highlights the characteristics of Small and Middle Entrepreneurs (SMEs) as a debtor of micro finance institution (MFI), whether as conventional or sharia type. The study was conducted by taking primary data including 30 debtors of conventional MFI and 29 debtors of Sharia MFI using a questionnaire. In the first stage, the study established several indices to measure the religiosity level using Principal Component Analysis. Additionally, game field experiments use in order to reveal the debtor’s risk preferences. At a later stage, the probit regression model used. This study found that debtors of sharia MFI is relatively more religious. There is also a fact that debtors from both types of MFI have the same risk preferences, risk lover. But debtors in sharia MFI have a relatively lower level one. So, in order to broaden the Sharia MFI inclution, the managers have to pay more attention to at least two other characteristics of SMEs; their age and the years of experience in business management
PENERAPAN PEMBIAYAAN GADAI EMAS DI BRI SYARIAH
Get PDFThe problem in this research is how the contract Execution gold mortgage bank in BRI Syariah Padang. The objectives to be achieved in this research is to identify and analyze the implementation of the agreement pawning gold in BRI Syariah Padang. The method used in this study patterned Field Research with qualitative research. While the source of the data in this study were employees and customers of BRI Syariah. Data collection procedures that researchers do, observation, interviews, and documentation. The number of informants in this study was done by using Snowball Sampling (Snowball), the meaning is very dependent on the completeness of the data obtained in accordance with the purpose of the research is expected. The results of this study, BRI Syariah Padang continuously improve its performance based on Sharia Board Fatwa No.25 / DSN-MUI / III / 2002 and the National Sharia Board fatwa MUI No. 26 / DSN-MUI / III / 2002 on gold pawn, allowed gold mortgage based on the principle of rahn. It is evident that the product pawning gold in BRI Syariah Padang increasingly accepted and people interested in the city of Padang
ULAMAS AND HIS INFLUENCE ON CONFLICT RESOLUTION : THE ROLE OF HETEROGENEITY IN COMMUNITIES STRUCTURE
Get PDFThis paper examines some concepts regarding religion and conflict, more specifically, the role of Islamic religious leaders in the conflict resolution. In many Muslim countries, Islamic religious leaders play significant roles, not only in the religious realm, but also in the social, cultural, and even political realm. In contrast, the social environment will also determine the level of quality of religious leader’s influence in the form of obedience from citizens over the handling of (resolution) social problems in general and specifically conflict. In the heterogeneous socio-economic structure community realizing those are becoming a major challenge. This article examines the relationship between socio-economic structure of the community with the conflict resolution through the role of the local informal leader, in this case religious leaders (ulama). Data analysis was performed using a combination of SUSENAS and PODES provided by BPS, the unit of analysis based communities around 70,000 villages which aggregated at about 480 districts/cities level of 33 provinces in Indonesia in 2011. At initial stage, we creating specific ulama’s quality measurement, named Indek Kualitas Pengaruh Ulama. Then, because of abundance of zero conflict cases and data overdispersion, we analyze this index relation with socio-economic communities structure through ZIP (Zero-Inflated Poisson) regression. This study found that "stable" socio-economic structure of the communities are determine the ulama’s quality. On the one hand, worsening community social cohesion represented by the high polarization index, tend to erode the ulama’s role (influence) especially in resolving conflict. Conversely, a low polarization index, boosted the confidence level (general trust) to the role of ulama
KONSEP MANAJEMEN SUMBER DAYA MANUSIA : IMPLEMENTASI PADA INDUSTRI PERBANKAN SYARIAH
Get PDFThe banking sector has a strategic role to support national development that lead to an increase in the distribution of development and its results. Various problems still constrain the development of Islamic financial institutions in Indonesia, including regulatory issues, management, and SDI. Of the overall Islamic banking existing SDI, SDI 90% of its currently do not have the educational background of sharia economy. Educational background sharia only 10% SDI islamic background. The purpose of this study was conducted to elucidate the pattern of recruitment of employees in Islamic banks. Then, uncovering the factors that causes a lack of SDI berlatang behind sharia recruited into a sharia bank employees. Then, formulate strategic steps College of Islamic Religion to improve the competence of its graduates to be ready to compete in the world of work. Employee recruitment process in Islamic banks through several stages namely, administrative Selection, Test first round of interviews, a written test, Physicotest, the second stage interview, Test health
ANALISIS STRATEGI AKUISISI DAN RESTRUKTURISASI DALAM BISNIS PERUSAHAAN
Get PDFCompanies need to develop an appropriate strategy in order to maintain its presence and improve its performance. One attempt to become a large company and strong is to implement the strategy of acquisitions and restructuring. The advent of the era of free-market impact on the company's business competition is getting tighter. This condition spur businesses to be concerned about the strategy pursued. Even companies continue to attempt to formulate and refine their business strategies in order to win the competition. Acquisition strategy as the dominant means used by companies to develop strategies for diversification and at the time of acquisition contributed to the poor performance, the company may consider the necessity of restructuring operations. With the acquisition and restructuring strategies that run the company is expected to stabilize the company's business so as to reduce the risk of the company
ANALISIS TINGKAT LITERASI KEUANGAN
Get PDFThe research theme is financial management. This study aims to measure the level of financial literacy. This study used quantitative analysis. The sample was 100 people. Financial literacy is one of the key factors in building a sound financial industry and trusted for a country. It can be seen from the commitment of developed countries to seriously manage the issue of financial literacy as a strategic part in building a strong economy. The results showed that financial literacy among respondents are in the medium category
