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Faktor-Faktor yang Memengaruhi Realisasi Pembiayaan Mikro Syariah dan Dampaknya terhadap Omzet Usaha Nasabah: Studi Kasus KJKS BMT UGT Sidogiri Cabang Koja Jakarta
Get PDFMicro-business has a role of the national economy development. However, micro scale entrepreneurs face problems of limited capital. This studyto analyze the factors affecting the amount of the financing provided BMT and their impact on bussiness turnover. This research was conducted in March-April at KJKS BMT UGT Sidogiri branch Koja Jakarta. This research used a purposive sampling technique with a total of 30 respondents. OLS analysis results proved thatbusiness aset, frequency financing, installment period, and dummy businesshave significantlyeffect on the realization of financing. Meanwhile, the factors affecting the customer’s turnover are business aset, amount of financing, business profit after financing, time duration of educational, time duration of business, and dummy business
Analisis Faktor-Faktor yang Memengaruhi Nasabah Non-Muslim dalam Menggunakan Jasa Bank Syariah di DKI Jakarta
Get PDFIslamic banking industry in Indonesia experienced significant growth and development, despite its market share is still small, i.e around 4.9%. Islamic bank is an intermediary institution based on sharia, which serve both muslim and non-muslim. This study analyzes the factors that affect non-Muslim customers in using the services of Islamic banks in Jakarta. Respondents used in this study consist of 50 non-Muslim customers of Islamic banks and 50 non-Muslim customers of conventional banks. The method used is the logistic regression method. Descriptive analysis methods is used to see the trend of non-Muslim customers towards Islamic banks. Factors that are significantly affecting non-Muslim customers in using the services of Islamic banks in Jakarta are the location factor with an odds ratio value of 1.450, factor of administrative advantages with an odds ratio value of 6.790, and religious stimulant factor with an odds ratio value of 2.679
Analisis Risiko Pembiayaan Syariah Pada Sektor Pertanian
Get PDFOne of the main problems of agricultural sector in Indonesia is the lack of financial support. There are many financing programs which available to overcome this problem, but this problem still persist. Thus, the alternative financing scheme such as Islamic financing that concern on risk sharing concept rather than profit, is a feasible solution. Moreover, the increase of Islamic financing on agricultural sector requires many studies. One of them is about financing risk analysis as well as risk management instruments and systems. This research is applied at BPRS (Islamic Rural Bank) Amanah Ummah, Leuwiliang, Bogor, Indonesia, which provides financing for agricultural business. Thus, this research is focused on analyzing Islamic financing risk and measuring potential loss. In addition, this Islamic financing risk is analyzed with Enterprise Risk Management (ERM) framework method and the potential loss is measured with creditrisk+ method. Overall, this research contributes to literatures on Islamic financing in agricultural sector and provides ground-study related to financing risk analysis on Islamic microfinance institutions
Analisis Pembiayaan Sektor Perdagangan Hotel dan Restoran pada Perbankan Syariah di Indonesia
Get PDFIslamic banking is an alternative for entrepreneurs in trade, hotel, and restaurants (THR) to obtain capital relief that can push the pace of economic. The purpose of this study was to analyze the response of Islamic banking financing ratios on THR sector in the event of shocks to the banking performance factors, monetary instruments, macroeconomic conditions and the rate of return and analyze the contribution of each variable in explaining the diversity of Islamic financing ratios in THR sector. The analytical method used is Vector Error Correction Model (VECM) with variables that describe the performance of banking, macroeconomic conditions, monetary instruments, and financial returns. The results showed that, shocks to the variables Industrial Production Index (IPI), lending rates (SBK) and equivalent rate financing (ERP) will be responded positively by Islamic financing ratio of THR sector. While shocks to the variables of Third Party Funds (TPF), troubled financing (NPF), a bonus SBI Sharia (BSBIS), inflation (INF) and the placement of funds in the money market with Sharia principles (PUAS) will be responded negatively by Islamic financing ratio of THR sector. Based on this research, Islamic banking should be more focus on financing for the PHR sector because it will provide a great benefit to the development of the real sector
Efektivitas Penerapan Bayar Pascapanen pada Pengembalian Pembiayaan Akad Murabahah Pertanian Padi di Baitul Maal wa Tamwil As Salam, Kramat, Demak
Get PDFAgricultural crops greatly depends on the season, since the time of land preparation to harvest. Planting delays due to lack of capital, will result in crop failure or low crop productivity. Islamic microfinance institutions, such as BMT, offersmurabaha financing as one of financing options. Application of murabahais generally followed by monthly installment payments. The condition of most farmers doesn’t enable them to have enough income due to pay the main installments with a monthly period. Postharvest payment return system is an alternativemain return of financing. The research result showed the factors that influence farmers in choosing the monthly payment system and postharvest margins on murabaharice farming financing in BMT As Salam, Kramat, Demak using binary logistic regression. The analysis result showed the reason for choosing the payment system significantly influenced rice farmers choice. The chance of postharvest payment is acceptableaccording to the ability of most farmers. The effectiveness of postharvest payment return implementationonmurabaha rice farming financing was measured using a Likert scale. The results showed that postharvest paymentimplementation has been effective in all stages of financing and made a positive impact on farm members
Analisis Faktor-Faktor yang Mempengaruhi Alokasi Infak Rumah Tangga: Studi Kasus di Desa Pasir Eurih, Kecamatan Tamansari, Kabupaten Bogor
Get PDFIndonesia is one of countries with the most populous Muslim in the world. Poverty that strikes Muslims is an irony considering Islam is the only divine religion which explicitly requires his people to dispense zakah. Therefore, Zakah, Infaq, and Sadaqah (ZIS) is the potential solution to eradicate poverty in Indonesia. Infaq can be an alternative solution to alleviate poverty through income equalization. This study analyses factors that affect the household’s charity allocation using Ordinary Least Square (OLS) method and behavior of charity allocations on household using descriptive analysis. Result shows that altruism, income and formal education affect household’s charity allocation. These three factors positively influence the amount of household’s charity. On the other hand, behavior on charity allocation shows a good respond even though it is not yet a priority
Analisis Perbandingan Excess Return Jakarta Islamic Index dan Indeks Harga Saham Gabungan
Get PDFIndonesia Stock Exchange statistics show that Islamic stock trading reached a value of around 59 trillion rupiahs. The excalation index of JII (Jakarta Islamic Index) is not follow by an increase in market capitalization of stocks listed on the JII. This is the question for investor who want to know how it compares to the performance of Jakarta Composite Index (JCI). This study analyzes the excess return that represents the return expected by an investor after investing in certain assets using descriptive analysis and Ordinary least square (OLS) regression of Capital Asset Pricing Model (CAPM). The descriptive analysis showed that in the same risk-free rate, investors who invest in stocks listed in JII can expect a higher return than the return JCI, while regression analysis shows investors do not expect the JII’s excess return to be different from JCI’s. This suggests that the selection criteria used by Bapepam LK (now OJK) and Indonesia Stock exchange does not affect the performance of return JII
Analisis Pengaruh Pembiayaan Syariah terhadap Perkembangan Usaha Mikro Kecil Menengah di Kota Depok
Get PDFMicro, Small and Medium Enterprises (MSMEs) have an important role to economic growth. Most of MSMEs faced common problem, i.e lack of capital. Baitul Maal wat Tamwil (BMT) as a micro finance institution exists as an institution conducting the provision of financial services to micro and small entrepreneurs. This study analyzed MSMEs access to BMT and its impact on business development by using logistic regression and OLS (Ordinary Least Square). The analysis shows the factors that affect the access of MSMEs to Islamic micro finance of BMT are the business period, business turnover, total assets, and the amount of savings. The number of Islamic micro financing has a positive influence on the development of MSME business. Factors that affect the value of turnover are the frequency of the financing, the period of business, and the amount of financing
Faktor-Faktor yang Memengaruhi Pemilihan Pinjaman dengan Sistem Rente di Desa Studi Kasus : Desa Panulisan Timur Kecamatan Dayeuhulur Kabupaten Cilacap (Periode Tahun 2013-2014)
Get PDFRente loan system is a loan scheme that is based on interest. This loan system is widely used by the Micro and Small Medium Enterprises (SME) notably in particular rural communities. The purpose of this study is to analyze the development process and system received rents in the Panulisan Timur District of Dayeuhluhur Regency of Cilacap, and analyze the factors that affect the selection of loan seeking system. The method used in this study is a qualitative method with a case study approach. The data used is primary data obtained through observation and interviews to the villagers of the Panulisan Timur District of Dayeuhluhur Regency of Cilacap uses rente system. The study was conducted during the period December 2013 to April 2014. Number of key informants in this study were 5 people and the number of respondents 30 people. The results showed that the loan scheme growing rents in the Panulisan Timur District of Dayeuhluhur Regency of Cilacap consists of the active and passive processes. The existence of internal factors such as the need for cash is urgent and external factors in the form of an easy loan terms, the availability of funds every day, disbursement fast and easy access makes the transaction rents to survive and be accepted by society.
Pengaruh Zakat Terhadap Indeks Pembangunan Manusia dan Tingkat Kemiskinan Mustahik : Studi Kasus Pendayagunaan BAZNAS Kota Bogor
Get PDFThis research aims at analyzing zakat distribution program of BAZNAS of Bogor City and its impact towards mustahik life based on the income changes after zakat and the values of post-zakat Human Development Index (HDI) and poverty reduction. By utilizing t-statistics, individual HDI, and poverty indicators, this study concludes that zakat has positive impact in increasing human development of mustahik in Bogor city. T-statistics result shows that theres is significant impact of zakat on the mustahik income. HDI value indicates that there is an increase from 47 to 49 in the presence of zakat. As for poverty indicators, all indices used portray significant reduction in the poverty level of mustahik. This could be observed from the reduction in the values of headcount ratio index (H), poverty gap index (P1), income gap indeks (I), and Sen indeks of poverty (P2), respectively