AL-MUZARA'AH
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Program Pembiayaan Lembaga Keuangan Mikro Syariah (LKMS) dalam Peningkatan Kesejahteraan Pelaku Usaha Mikro (Studi Kasus BMT Baitul Karim Bekasi)
Get PDFThe role of micro business enterprises in employment is quite large, namely 99.9% of the total workforce in Indonesia. This suggests that micro businesses have a great opportunity in economic development and increased prosperity. This is not in accordance with the improvement of social welfare of the poor because of the high of the poor up to 10.96% of the total population. The limited capital on micro businesses is an obstacle that is difficult to be avoided. In this case, the financing provided by the BMT is crucial for micro enterprises in accessing capital. The purpose of this study is to analyze the effect of the financing program in increasing income and welfare of micro businesses. The method used in this research is the method of Ordinary Least Square (OLS and logistics method. Significant variables that positively affect the revenue are captured financing of respondents, the number of family members whose income, education, and ethical and moral variables. The variables that positively and significantly affect the welfare are the length of time member, meal expenses, average income, and financing that are taken by respondents
Analisis Faktor-Faktor Preferensi Etnis Tionghoa Terhadap Bank Syariah di Indonesia
Get PDFThe research aimed to develop and to test the consistency of the relationship between preference factrs of Chinese Ethnic towards Islamic Banks in Indonesia. According to previous research, customer’s internal and external factors as well as marketing strategy of the Islamic Banks are the main reason behind their decisions to become Islamic Banks’ customers. However, some of the previous researches have also shown inconsistent result in which it is stated that the religious factor is the main reason for Chinese Ethnic to choose Islamic Banks, whereas some other research concluded that religion has nothing to do with the decision to become customer in Islamic Banks.In line with the purpose of the research is to analyze how far the factors mentioned above could influence the preference of people with Chinese Ethnicity towards Islamic Banks. The approach used in this research is survey method. Sumarwan (2011) explains that survey is a design of a research which collects data from some respondents that are selected from a population. The sample of this research is Indonesian Chinese Ethnics, including the Muslim ones and also include those who are already a customer in Islamic Banks as well as those who are not. This study specifically analyzes perception attribute variable such as location, higher return, quality service, Islamic bank’s reputation and image, product features, marketing, and teknology; and also environment variable, personal variable, culture variable, and lastly preference variable of the Chinese ethnics towards Islamic Banks in Indonesia by using AIDA (awareness, interest, desire) model approach. The data is analyzed by using SEM (structural equation model) technique.An interesting phenomenon of the research is that Islamic Banks use Islamic principles which prohibited the act of Riba’, while the Chinese Ethnic customers and the prospective customers also considering the same thing. Most of Chinese Ethnics are Buddhist, Christian, and Catholic which prohibited interests in banking system.The result of this study concluded that the level of knowledge of Chinese Ethnics that are not yet a customer towards Islamic Banks is lower than the knowledge level of Muslim Chinese Ethnics who are already a customer in Islamic Banks. With AIDA model, it is found that environment variable which consists of social and culture has significant influence towards atribute perception and also towards other AIDA variables such as Awareness, interest and desire
Analisis Faktor-Faktor Penentu Pembiayaan Perbankan Syariah pada Sektor Pengangkutan dan Komunikasi di Indonesia
Get PDFThe Transportation and communications sector acts as liaison between economy of islands in Indonesia, it’s required helping through the distribution of Islamic Banking funding. This study aims to analyze the influence, shock response, and variety contribute of some factors as banking performance, macroeconomic condition, rate of return, and monetary instruments towards trasportation, warehousing, and communication (TWC) financing in Islamic banking. This study uses Vector Error Correction Model. The results of this study, first, in the short term DPK variabel is affected significantly towards ratio of financing TWC sectors. In the long term NPF, INF, ERP, PUAS, SBK variabels are giving significantly negative effect towards ratio of financing TWC sectors, whereas IPI and BSBIS variabels are giving significantly positif effect. Second, the ratio of TWCsectors responds negatively to the shock of NPF, PUAS, ERP, and INF variabels, whereas the shock of DPK, BSBIS, and SBK variabels is responded positively by the ratio of TWC sectors. Third, BSBIS variable gives the largest contribution to the diversity of financial ratios TWC, then proceed ERP, NPF, and IP
Analisis Pengelolaan Wakaf Uang pada Koperasi Jasa Keuangan Syariah (Pendekatan Analytical Network Process)
Get PDFThis study describes the process of Sharia Financial Service Cooperation (KJKS) becoming nazhir waqf, analyzing the priorities of internal and external factors which related with cash waqf. This research uses descriptive quantitative and qualitative approach based on study literature, observation, and quetionaire using analytical network process (ANP) method. The internal factors and external factors devided into 8 cluster. 2 General Cluster and 6 Detailed Cluster: cluster of Internal Aspect, cluster of External Aspect, cluster of SDM KJKS, cluster of Accountability, cluster of Product, cluster of Regulation, cluster of Demography, and cluster of Civil Sociaty. The calculations showed that the highest score which is greatly affect the cash waqf management in KJKS from Internal Aspect such as: Cluster of Accountability (36%), Cluster of Product (33%), and Cluster of SDM KJKS (31%). External Aspect such as: Cluster of Regulation (38%), cluster of Civil Sociaty (37%), and cluster of Demography (25%). Furthermore, the important priority from detailed cluster are Asset Accumulation element (22,8%) and Requirement of Sharia Principle (22,9%)
Analisis Pengaruh Variabel EPS dan Makroekonomi terhadap Return Saham Jakarta Islamic Index Sektor Pertanian
Get PDFThe agricultural sector of islamic stock has a downward trend of return and often gives negative return, thereby it reduces the interest of investors to buy similar stocks. This study aims to examine the effect of Earning Per Share (EPS), exchange rate, money supply, SBI interest rate and world gold prices toward stock return of PT Astra Agro Lestari Tbk (AALI) and stock return of PT PP London Sumatra Indonesia Tbk (LSIP) as representatives of agricultural stock. The method used is the Vector Error Correction Model (VECM) with monthly time series data from August 2011 to December 2014. In the long term, the results showed that the EPS significantly positive effect on the return of AALI and LSIP , exchange rates significantly positive effect on the return of LSIP, money supply significantly negative effect on the return of AALI and LSIP, SBI interest rate significantly negative effect on the return of LSIP and world gold prices significantly negative effect on the return of AALI. Money supply predominantly contribute toward the changes of the return of AALI and LSIP
Faktor-Faktor yang Memengaruhi Besaran Pembiayaan Perbankan Syariah di Indonesia
Get PDFDevelopment of Financing of Islamic banking in Indonesia has increased. However, the amount of financing is only 3-5% when compared to conventional bank loans. This study aims to analyze the factors affecting the amount of financing provided by Islamic banking in Indonesia. This study uses a Vector Error Correction Model (VECM) to see the long-term effect and response to shock that occur in the studied variables. The result shows that in the long run, the percentage of profit and loss sharing, third party funds, and FDR give a positive and significant effect on the financing, while NPF has negative and significant effect. ROA and BOPO have no significant effect on the financing. Shocks that occur in the financing, NPF, and ROA positively responded by financing and will be stable in the long term. While the shocks that occur in the percentage of profit and loss sharing, third party funds, FDR, and BOPO responded negatively by financing and will be stable in the long term
Analisis Faktor-Faktor Yang Memengaruhi Muzaki Dalam Memilih Organisasi Pengelola Zakat (OPZ): Studi Kasus di Badan Amil Zakat Nasional Kota Bogor
Get PDFThe main purpose of management of zakat in Act No 23/2011 is to achieve public welfare and poverty alleviation. However, until now, zakat has not been sufficient to attain both these goals since zakat fund collected in Indonesia is only about 1% of its national potential that reaches Rp 217 trillion. This indicates that there are many muslims who are not motivated to pay zakat nor trust Zakat Management Organization. This study analyzes the factors that influence muzakki in choosing Zakat Management Organization and the performance of BAZNAS Kota Bogor from muzakki’s perception. Logistic regression is used to analyze the factors that affect muzakki in choosing the Zakat Management Organization. Descriptive analysis is used to analyze the perceptions of the BAZNAS Kota Bogor. This research was conducted during the month of February 2014 with 30 respondents BAZNAS Kota Bogor’s muzakki and 30 respondents muzakki whose paying zakat directly to mustahiq. The results of logistic regression show that the factors that affect muzakki in choosing Zakat Management Organization are income, the level of reliability, and institution’s image. The muzakki’s perception of the performance of BAZNAS Kota Bogor can be concluded as good, particulary in reliability, responsiveness, and tangible
Pemilihan Metode Spin Off Unit Bisnis Syariah Dengan Pendekatan Analisa Faktor (Studi Kasus PT. BNI Syariah dan PT. Bank Syariah BRI)
Get PDFThe banking sector in Indonesia is classified as a competitive economic sector. That condition force the bank management to implement appropriate strategies and innovation to improve the capability of the company and the quality of services offered. Of the various strategies available, spin-off considered as one of the strategies that are quite popular among banking companies. The implementation of spin-off in Sharia Business Unit (UUS) in Indonesia is carried out with the different method among Commercial Bank (BUK). The research focuses on 2 (two) alternative spin-off methods, which is spin-off through existing bodies and through the establishment of a new entity, with a case study of PT. Bank BRI Syariah and PT. Bank BNI Syariah. The data collection process in this paper is will be done through 2 stages. The first step is using factor analysis method to assign factors that are considered significant in spin-off process, and the second step to determine the factors that are more considered for different methods by using pairwise comparison method. The results show that there are 6 (six) factors considered in spin-off implementation, and there are differences in the factor that considered in spin-off implementation between Islamic Banks that was formed through existing bodies and through the establishment of a new entity
Debt Service of Low-Income Households in Indonesia
Get PDFExternal source of fund is one way to get funds, but when it reaches 50 percent and above of disposable income, it becomes an issue. This paper attempts to elaborate determinants influencing low-income household in having 50 percent or more debt service ratio. By utilizing logistic regression approach to extract the data collected in the Greater Jakarta Indonesia, this study finds that when household head’s age is 45 years old and above, having 5 dependents or more, and is a home owner, the household is the most likely to have 50 percent and above debt service. While the least likely is when household head originally from Jakarta, no worry about future domestic economy condition, and have more than USD80 income per month. Variances of education level, marital status, occupation, financing institution, charity per income are not proved statistically significantly give effect to the variance of debt service in this stud
Formulasi Strategi Penghimpunan Zakat oleh Badan Amil Zakat Nasional (BAZNAS)
Get PDFAs the most populous Muslim nation in the world Indonesia has the largest zakat potential, yet its’ zakat collection on national level only reached 1% of the whole potential. This matter has become the greatest challenge for all zakat institutions in Indonesia, especially the National Amil Institution (BAZNAS). Recently the government made a new regulation; Inpres No.3/2014, that could help the institution to minimize the discrepancy between zakat potential and zakat realization. The main objective of the paper is to formulate a strategy for BAZNAS to optimized its zakat fund’s collection in regards to the new regulation, where BAZNAS is specifically asked to coordinate and to collect zakat from all of government’s institutions. Data is collected using a survey questionnaire on both internal and external representatives of BAZNAS, and is analyzed using SWOT matrix