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Analisis Faktor-Faktor yang Mempengaruhi Persepsi Jurnalis Televisi terhadap Perkembangan Bank Syariah Di Indonesia
Get PDFIndonesia is the largest Moslem population in Southeast Asia (CIA, 2013), but Islamic banking market share in Indonesia is still low (BI,2014). This condition happened because Islamic banking information was not well accepted in the society. Television journalist has important role in spreading this information. The purpose of this study was to analyze perception and factors that build television journalist perception in Islamic banking news making. This study used theory of planned behavior (TPB) and structured equation modeling (SEM) to assess television journalist perception in Indonesia’s Islamic banking development. The assessment evaluated intention and ability to explain their intention in subjectivenorm (SN), attitude toward behavior (ATB), and perceived behavior control (PBC). The result showed that SN, ATB, and PBC were positively influence television journalist perception on Islamic banking development in Indonesia. SN and PBC were positively influence journalist intention to make Islamic banking news
Analisis Produk Deposito Mudharabah dan Penerapannya pada PT BPRS Amanah Ummah
Get PDFThis paper attempts to analise the mudarabah fixed deposits product and its implementation in PT BPRS Amanah Ummah. This paper also tries to analise the nisbah examination on profit and loss sharing.The method used in this study is descriptive method. Fixed deposits account in PT BPRS Amanah Ummah has been known for its transaction using mudaraba contract. The contract, basically, involves two parties which have been working together as an investor (shahibul maal) and entrepreneur (mudharib) throughout the contract period. Bank has its own responsibility as the entrepreneur. The profit and loss are shared between them as stated in the contract and has been agreed by all involved parties.The proportion is indeed appeared as the result of bargaining process prior to the final agreement between them. If any loss occurred, the investor is the one who responsible on it. The entrepreneur is ‘only’ burdened on time and management loss. However, the situation may differ if the loss is caused by human error (the entrepreneur)
PEMBERDAYAAN MASYARAKAT PENGUSAHA KECIL MELALUI DANA ZAKAT, INFAQ, DAN SEDEKAH (ZIS): Studi Kasus Program Masyarakat Mandiri Dompet Dhuafa terhadap Komunitas Pengrajin Tahu di Kampung Iwul, Kecamatan Parung, Kabupaten Bogor
Get PDFPoverty is still one of big issues in the world particularly for developing contries. Poverty has close relation to the rural area where the people relied on agriculure activities for deriving income. Having a big Muslim population, Indonesia has great opportunity to utilize the huge potential of zakat fund particularly for empowerment program to the poor. Empowerment and capacity building program handled by Masyarakat Mandiri Dompet Dhuafa (MM-DD) to the poor people is believed to have a positive contribution to reduce poverty. The program includes providing business capital as agent of change and assistancy in order to increase the quality of human resources from the poor who generate income through producing tofu (in Kampung Iwul). Cross cultural innovation as well as regresion analysis is used to measure the program of MM-DD to their clients. The results show that based on the perception of the targeted clients regarding the indicator of material capabilties and intelectual, the empowerment program conducted by MM-DD reaches the goals of the program. While other perceptions linked to the manajemen ability from the targeted group show that the program can not reach the aims of MM-DD program yet. Several factors including their characteristics affected these perception. For the crosscultural innovation, most of respondent give positive response to the program. In addition, after adopting these programs, the avarage income of the people could increase. This increase is affected by the amount of lending, daily income from tofu business, and other income from other businesses
Analisis Pembiayaan Sektor Konstruksi Pada Perbankan Syariah di Indonesia
Get PDFThe construction sector is an important sector in supporting development projects in Indonesia. The development of the construction sector requires the role of the banking sector to provide access of capital through credit. This study aims to analyze the relationship among factors of banking performance, monetary instruments, macroeconomic condition and rate of return towards construction financing in Islamic banking industry. This study uses Vector Error Correction model with monthly data from 2006 until 2012 as its method of analysis. The study finds that the ratio of construction financing responds positively to the shock of Financing to Deposit Ratio (FDR), the interest rate of SBI (SBI), Industrial Production Index (IPI), inflation rate (INF), and equivalent rate of financing (ERP). While shocks of the Third Party Funds (DPK), lending rates (SBK), non performing financing (NPF), fee of SBIS (BSBIS), and the placement of funds in PUAS (PUAS) variables are responded negatively. Islamic bank should be able to be more focused on construction financing as it will contribute to the development of real sector and national income. In addition, Islamic bank should have more concern on assesment criteria to choose borrowers in order to reduce the amount of non performing financing
Implikasi Proksi Aset, Profitabilitas dan Jenis Industri pada Islamic Social Reporting (ISR)
Get PDFJakarta Islamic Index (JII) is a reference for investors to place their fund in Indonesia Stock Exchange which is in line with Islamic teaching. It has a specific requirements (screening process) which must be passed by one stock to be included in JII. Nevertheless, the screening process of JII composition is seen to have limitations because the process is merely based on the quantitative and qualitative criteria. Therefore, this research explores and analyzes the deeper aspects (Othman, et al., 2009) which is called as Islamic Social Reporting (ISR). ISR analyzes the compliance to Islamic teaching application from the company perspective. The research period is from the year of 2006 until 2008, while the research sample is taken from companies listed in the JII. This research adopts full interaction model to determine significant factors of ISR. Previous research did not apply the interaction model theory, i.e. the Difference in Difference (DiD) theory1. It can show meaningful existence of dummy variable with other proxies. The proxies used in this study are industry type, company size, and profitability. The results show that there are no differences among the industry type, while the company size affects the ISR
Ekonomi Politik Kebijakan Pemerintah Kabupaten Cirebon dalam Peningkatan Sektor-Sektor Ekonomi Unggulan di Kabupaten Cirebon
Get PDFEconomic growth is one of the main indicators reflecting the success of economic development. Basically, economic development is a series of efforts to raise incomes, to expand employment, to improve economic relations among the regions and to seek a shift of economic activity from the primary sector to the secondary sector even tertiary sector. Various economic sectors are interrelated with each other in order to promote economic growth in the region. It needs a great support from the central and local government, and also the stakeholders through regulation, so as to create prosperity for its people. This study analyzes the economic sectors in Cirebon Region which includes the leading sectors in the period 2005-2010. The data used are the West Java GDP and GDP of Cirebon in the 2005-2010 at constant prices of 2000 analyzed by Shift Share method (SS). Based on the analysis of the Shift Share method, leading sectors experiencing rapid growth are building/construction, trade, hotels and restaurants, transport and communications, finance, leasing and services companies. While the sector that has a good competitiveness is the services sector. Based on the results, the effective policy launched by the Cirebon Leader and its Government is considered as one of the main elements of Cirebon economic and local political stability
Analisa Perbandingan Model Birokrasi Indonesia: Model Modern David Osborne, Ted Gaebler dan Pendekatan Konsep Islam Perspektif Umer Chapra
Get PDFThe inefficiency of public service in Indonesia is one of the results of badbureaucracy, so that the development system becomes stagnant. On the contrary, sustainabledevelopment is a reflection of a good bureaucracy. So far Indonesia is still ranked 100th out of182 countries in the world for corruption. This paper aims to find out the bureaucratic model inIndonesia within the framework of modern bureaucratic model as well as Islamic Conceptapproach of Chapra’s perspectives. Using content analysis, the paper found that Indonesianbureaucracy model still embrace patrimonial concept that vulnerable to the practice ofcollusion, corruption and nepotism. While the modern model of Osborne and GaeblerEntrepreneurial Bureaucracy concept with the spirit of innovation and creativity has brought agood change and it is in line with Islamic model of Chapra’sperspective. Chapradescribes thatthe development of a country should be run simultaneously with the bureaucracy that promotesIslamic values, moral, and hard work. It is concluded that by applying this concept,bureaucracy in Indonesia will be more effective in removing socio-economic problem and willcome up with more efficient and sustainable development dimensions
Analisis Pengaruh Instrumen Moneter Syariah dan Konvensional Terhadap Penyaluran Dana ke Sektor Usaha Mikro Kecil dan Menengah (UMKM) di Indonesia
Get PDFAs monetary authority, Bank Indonesia has developed Islamic Bank Indonesia Certificate (abbreviated as SBIS) as Islamic monetary instrument in addition to Bank Indonesia Certificate (known as SBI), which has become conventional instrument. Both instruments play significant role in the transmission of monetary instrument towards real sector of the economy. Monetary transmission could take place through credit channel or financing channel, from which the fund is used as the source of credit and financing for micro, small and medium enterprises (MSME). This study aims at analyzing the impact of both Islamic and conventional monetary instruments towards MSME financing. Data used in this research is taken from Bank Indonesia, Ministry of Cooperative and SME, and Central Board of Statistics for the period of May 2006 until December 2010. The study employs Vector Auto Regression model, Impulse Response Function technique and Forecast Error Variance Decomposition (FEVD) as its analytical methods. It is found that SBI and SBIS have significant impact towards credit and financing to the MSME. When there is monetary shock, the study finds that MSME financing of Islamic bank could be recovered and stabilized better than MSME credit of conventional bank. FEVD analysis shows that the impact of SBIS towards financing of MSME is bigger than the SBI
Pemetaan Kondisi dan Potensi BMT: Kemitraan dalam Rangka Memperluas Pasar & Jangkauan Pelayanan Bank Syariah kepada Usaha Mikro
Get PDFThe limitations faced by Islamic Bank in terms of range, scope, service network and low competency of human resources serving micro and small enterprises have made linkage and partnership with Islamic microfinance institutions such as BMT become very important. On the other hand, weaknesses of BMT industry, such as the availability of information about the profile and performance of BMT, need to be enhanced by conducting surveys in the area that become the centers of BMT operation. Therefore, this study attempts to survey the condition and potential of BMT in three provinces in Java, namely West Java, Central Java and East Java. Survey on major variables such as asset volume and BMT financial performance shows very high variation. The findings also show that fundamental reform of governance is highly required, especially with respect to regulation and supervision of the BMT industry. In the short term, improvements can be made by optimizing the role of the Association of BMT and BMT Agencies. In general, based on various indicators, the performance of BMT in Central Java is better than those in East Java and West Jav
Solusi Peningkatan Sumberdaya Manusia Pada Baytul Maal wat Tamwil (BMT) di Indonesia Melalui Pendekatan Analytic Network Process (ANP)
Get PDFBaitul Maal wat Tamwil (BMT), as a micro financial institution, has a strategic role in Indonsia. The lack in quality of human resources has been a challenge since its establishment. This issue still needs to be considered seriously. Therefore, this study tries to examine the internal problems regarding the BMT human resources in Indonesia. Analytic Network Process (ANP) is used as the methodology to overcome the objective of this study. Survey and indepth interview are conducted to collect the data. The results showed that the main problems occurred in human resource management were when it dealt with training and skill development programs. Moreover, ethics and morality of the employees needs to be improved continuosly as part of the worship to Allah SWT