AL-MUZARA'AH
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Perbandingan Zakat Produktif dan Zakat Konsumtif dalam Meningkatkan Kesejahteraan Mustahik
Get PDFThis study aims to compare the effectiveness of productive and consumptive zakat distribution in poverty alleviation. This study uses a CIBEST (Center of Islamic Business and Economics Studies) model which measures not only the material aspect of the poverty, but also the spiritual aspect of the respondents. The results proves that both zakat distribution types can increase welfare as well as reduce poverty of mustahik. Productive zakat can alleviate poverty more than consumtive zakat
Pengaruh Indeks Harga Saham Regional ASEAN dan Variabel Makroekonomi terhadap Indeks Harga Saham Syariah Indonesia (ISSI)
Get PDFInvestment in Indonesia is currently undergoing a good development. It is characterized by the good performance of the composite stock price index (IHSG), LQ45, Jakarta Islamic Index (JII), and Indonesia Sharia Stock Index (ISSI), which represents the actual conditions of the national Sharia capital market. The market share of the stock of Sharia has reached 58,89% of all issuers of stocks with the highest market capitalization of Rp 2,946 trillion, or of 56,37% of total market capitalization. The presence of Islamic capital market is expected to boost the performance of the national economy. Entering the ASEAN economic community 2015, the economy of Indonesia need more stable to be able to compete with the global economy. Stability macroeconomic factors of a country as well as the absorption of investment from domestic and foreign investors will be important in the face of ASEAN economic community. This research attempts to examine the impact of ASEAN stock market and macroeconomic variables towards Indonesia Sharia Stock Index (ISSI). By using Vector Error Correction Model (VECM) as the method, this research utilizes time series monthly data from May 2011 to June 2015
Analisis Faktor-Faktor yang Memengaruhi Penghimpunan Wakaf Uang di Indonesia (Pendekatan Analytical Network Process)
Get PDFIndonesia is a country with the largest Muslim population in the world. The potential of Islamic financial instruments grows among the society, and one of them is cash waqf. Cash waqf already have a complete law and legal institutions, but there is a gap between the potency and the real data of cash waqf raising. The aim of this research is to analyze the condition of cash waqf raising and the factors affecting the level of cash waqf raising in Indonesia. Using Analytical Network Process (ANP), the factors that affect the level of cash waqf raising are divided into three aspects namely institutional, society, and government. The results show that the institutional aspect has the biggest impact affecting the level of cash waqf raising and the three most influential factors are the focus of nazhir institutions, the understanding of society about cash waqf, and completeness of the cash waqf law
Analisis Pengaruh Instrumen Moneter Syariah dan Konvensional terhadap Penyaluran Dana ke Sektor Pertanian di Indonesia
Get PDFThis study aimed to analyze the effect of sharia and conventional monetary instruments to the distribution of agricultural sector funds from 2009 to 2014 and using VAR / VECM which analysed through Impulse response Function (IRF) and the Forecast Error Variance Decomposition (FEVD). Results of research on the conventional models, shows that the SBI interest rate and lending interest rates (SBK) significantly negative effect and interbank rates (PUAB) have a significant positive effect on agricultural credit. In addition, the results of research on the sharia model indicates that the SBIS and ERP significant negative effect on agricultural financing and PUAS significant negative effect on agricultural finance. Based on the FEVD results , SBI has a considerable effect on the agricultural credit compared with SBK and interbank rates (PUAB) on the conventional models whereas the models of sharia, SBIS have a smaller effect than the ERP and PUAS.
Faktor-Faktor yang Memengaruhi Non Performing Financing pada Bank Umum Syariah Indonesia Periode 2010-2014
Get PDFThe objective of this study is to determine the internal and external factors affected non-performing financing in Islamic Banks Indonesia, 2010-2014. The samples used were 11 Islamic Banks in Indonesia 2010-2014. This study used panel data with annual data obtained from the bank\u27s 2010 to 2014 annual reports of banks. The results showed that the Capital Adequacy Ratio (CAR), Bank size, overhead cost and SBIS rate have a significant negative effect on Non Performing Financing, while the FDR, NIM, KAP and BI rate have a significant positive effect on Non-Performing Financing. Commercial Bank needs to monitor the level of Capital Adequacy Ratio (CAR), Bank size and improve the quality of operational management on overhead cost. In addition, Islamic Banks should be more sensitive to macroeconomic conditions, especially the level of BI rate and yield rate of SBIS so it can determine precisely the financing policy in order to control the level of NPF at a reasonable level
Harga Properti Residensial & Pembiayaan Pemilikan Rumah Perbankan Syariah dan Konvensional
Get PDF. This study investigates the dynamic relationship between macroeconomic variables and housing financing provided by convensional and islamic banking in Indonesia. Utilizing quarterly data from 2007 to 2016, this study employs Vector Error Correction Model (VECM), Impulse Response Function (IRF) and Forecast Error Variance Decomposition (FEVD). It finds that macroeconomics variables and housing price have distinct long relationship with housing financing provided by both. Our study reveal that policy intervention to stimulate or dampen housing financing provided by islamic and conventional bank can focus on GDP, house prices and monetary policy however it should be implemented to right segment. In addition, this study documents evidence that Islamic housing financing in Indonesia really dependent on interest rate. Therefore the findings suggest that Islamic Banking could apply alternative rate, possibly IHPR to manage to live up to their ideals in achieving the objectives of Shari’a
Analisis Penguraian Masalah pada Program Zakat Produktif
Get PDF. Productive zakah program that run by BAZNAS and LAZ was a real contribution to reduced poverty. Productive zakat aimed to made mustahiq became more productive. However, these goals had not been achieved maximum. There were two main problems in running productive zakah program. They were problem from internal party of BAZNAS/LAZ and problem from external party of BAZNAS/LAZ. Among the internal problems were: 1) Immaturity of program planning, 2) Less of capable human resources, 3) No fixed success indicators. The external problems were: 1) Lack of zakat institution management, 2) Lack of entrepreneurial spirit among mustahiq, 3) Mustahiq was not understand about the rule of productive zakah program. This study concluded that the dominant problem was an internal problem of the BAZNAS / LAZ –with priority problem lied in \u27immaturity of program planning\u2
Kontribusi Pembiayaan Bank Syariah untuk Sektor Pertanian di Indonesia
Get PDFBased on Islamic Banking Law Article 1 paragraph 2 funding was the main activity for Islamic banking in its function as a financial intermediary and drived real sector. This study was aim to determine how much the influences of SBIS, amount of DPK, Non Performing Financing and the exchange rate of dollar against the Islamic banking financing as well as the contribution of Islamic bank financing for the agricultural sector in Indonesia by using VAR/VECM approach. VECM results indicated variables that affected agricultural financing in the short term was variable LNER and SBIS. While in the long term variable lnDPK and lnNPF statistically significant against to agricultural financing. The results of IRF showed that lnDPK, lnNPF and LNER responded positively influencing the contribution of financing on Islamic bank for the agricultural sector in Indonesia. As for The contribution of financing on Islamic bank for the agricultural sector in Indonesia, LNER gave the largest contribution to the Islamic bank financing for the agricultural sector in Indonesia, followed by the variable SBIS, lnDPK, and lnNPF. The higher value of rupiah would increase the financing by the islamic banking for Agricultural sector, as would as the lower of rate SBIS would increase the financing of islamic banking
Debt Financing dan Dampaknya terhadap Perkembangan Usaha Mikro di Bogor
Get PDFMicro and small enterprises (MSEs) have an important role in supporting the national economy. Nevertheless, MSEs still have a major problem in its development, called limited capital. The presence of BPRS which is part of sharia financial institutions is expected to provide financing assistance for MSEs. The financing provided by BPRS is not only given in the form of equity financing but also in the form of debt financing. This study analyzes the effect of debt financing on MSEs development and also the factors influenceing the income and profit of MSEs after getting debt financing. The method used in this research is paired sample t test and Ordinary Least Square (OLS). The result of paired sample t test showed that the variable of earnings and profit of MSEs have significant change after getting financing. Furthermore, the result of analysis with OLS method showed that labor variable, amount of financing, profit rate, gender dummy, and education dummy have a significant effect to earnings and profit of MSE
Dampak Branchless Banking Terhadap Kinerja Keuangan PT Bank Muamalat Indonesia Tbk
Get PDFBranchless Banking is part of the financial inclusion program, which provides financial services performed outside bank branches using information and communication technology as well as non-bank retail agents. Branchless Banking was already done by Bank Muamalat Indonesia in cooperation with PT Pos Indonesia as an agent since 2004. This study aims to analyze the performance of Bank Muamalat Indonesia before and after Branchless Banking and formulate alternative strategies for Bank Muamalat Indonesia to improve their financial performance. This study uses the financial ratio such as Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Return on Assets (ROA), and Operating Expenses Operating Income (BOPO) with paired samples t-test method to obtain the level of significance. This study finds that the financial ratio in the form of CAR, ROA and ROA before and after Branchless Banking significantly different, while the FDR doesn’t differ significantly.