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POTENSI PENGEMBANGAN PRODUK PEMBIAYAAN MUDHARABAH DI BANK SYARIAH PADA SEKTOR RIIL UMKM
No full textShari’ah banking currently has a strong legal standing with the presence of the Undang- Undang 21, 2008 on banking Shari'ah. It is very influential on the existence of the banking Shari'ah are increasingly in demand by many. Islamic bank is better known by the profit-sharing system has a range of products that use Mudaraba and Musharaka contract, considered more equitable for all parties. But from the available data suggests that the financing is not dominant. Murabaha Islamic banks is greater than the mudaraba. Islamic economics can not be separated from the real sector, especially SMEs, its existence requires the support of other parties, including Islamic banks. Financing products with mudharabah it is appropriate to sustain the business capital of SMEs. Based on data from the central statistical agency that the growth of SMEs in 2010 amount to 55,206,444 units in 2012 to 56,534,592 units experiencing good growth, so it takes a good response for Islamic banks. This paper uses a descriptive qualitative limitations in this paper is focused on products of financing in Islamic bank and real sector SMEs. This paper uses literature study from various sources. The results of this paper that the potential for product development in Islamic bank financing is still very large. It is seen that the number of SMEs continues to grow, then the portion of financing products are still small. This shows that the products of financing in Islamic banks are very suited to the conditions and character of SMEs. Mudharabah product development potential is still very large and very spaciou
MODEL KOMPETENSI TENAGA KERJA INDONESIA BERDASARKAN ANALISIS KINERJA
No full textThis research aims to arrange the competency model using performance analysis. Descriptive qualitative and FGD methode is also used in this research. The result shows that the model arrange with performance analysis, there are mission, intension, background, purpose of the TKI. This analysis can be improved the cause of this problems, and the fund the conclution. The model shows that PJTKI needs the performance improvement in their management
ANALISIS HUBUNGAN ANTARA PERTUMBUHAN DAN PEMERATAAN DALAM KEBIJAKAN DESENTRALISASI DI INDONESIA TAHUN 1995-2007
No full textThis research analyzes potential trade-off between economic growth and regional equity in the design of fiscal decentralization. A theoritical model of fiscal decentralization is being used, where overall national economic growth and regional equity in the regional distribution of fiscal resources are two objective pursued by a benevolent policy maker. Solutions that emphasize regional equity tend to have larger central government expenditures and higher contribution to the central budget by richer juridictions. The reserve is true for solutions emphasizing growth. The model is tested using Generalized Least Square (GLS). Fiscal decentralization in Indonesia led to significant increases in regional equity
ANALISIS POTENSI INDUSTRIALISASI DI MADURA PASCA SURAMADU
No full textDalam konteks pembangunan wilayah dari klaster GERBANGKERTASUSILA (Gresik- Bangkalan-Mojokerto- Surabaya-Sidoarjo dan Lamongan), maka pembangunan Jembatan Suramadu diharapkan dapat menjadi bagian yang penting dalam mengintegrasi kabupaten bagkalan dengan kbupaten lain di Pulau Madura dan kedepan diharapkan menjadi sistem Satuan Pengembangan GERMAKERTASUSILA (Gresik- Bangkalan-Mojokerto- Surabaya-Sidoarjo dan Lamongan). Arah dari pengembangan kawasan industrialisasi di Madura adalah memberikan iklim investasi yang kondusif untuk mendorong pengembangan industri yang berbasis pada potensi lokal. Konsep yang tepat adalah membangun Madura, bukan membangun di Madura .Konkretnya, membangun Madura akan lebih melibatkan masyarakat madura pada posisi subyek maupun obyek pembangunan. Kondisi ini tentunya sangat berbeda jika dibandingkan dengan persepsiri membangun di Madura. Industri yang di utamakan da mempunyai komitmen untuk mendorong perkembangan daerah dan kawasan tertinggal dengan memanfaatkan SDA lokal secara optimal
STRATEGI PENANGGULANGAN KEMISKINAN: PENDEKATAN TINDAKAN KOLEKTIF (COLLECTIVE ACTION) PADA PETANI DI DESA TRETES KECAMATAN PUJON KABUPATEN MALANG
No full textPoverty have multidimensional character. Poverty not only concern with economic, but also non-economic (social, culture and politics). One of the communities which in poverty trap is peasant. This thesis describes why peasants get poverty and what the effort of peasant to move out from poverty. Researcher observe peasant life pattern from social capital side which owned by peasant in Tretes Village. Result of this research show that social capital of peasant in Tretes Village can motivate collective action. The kinds of collective action poured into arrangement that have been done by peasant to move out from poverty trap but there are many constrains inside. Therefore, it is made compulsory indirectly governmental interference to support peasant arrangement become an action that able to move out peasant from poverty trap in Tretes Village
ANALISIS KESENJANGAN DAERAH DAN KONVERGENSI PDRB PERKAPITA KABUPATEN/KOTA JAWA TIMUR SEBELUM DAN SETELAH DESENTRALlSASI
No full textThe purposes of this study are; to analyze regional disparities and the convergence before and after decentralization, determine the amount of speed of convergence that happen, and to discover the description of per capita income growth changing through Klassen typology.This research is conducted by using quantitative data with: Indeks Williamson Analysis; a simple OLS regression analysis (Ordinary Least Square); and Topologi Klassen Analysis. Conclusions of this study are; (1) there are a convergence occure within speed convergence is 0,34 before the decentralization and convergence with a speed of convergence as 0,42 happened after the decentralization, (2) by dividing into 4 quadrant in klassen typology measurement, the majority is in 4th quadrant where the District and City are remain left behind, and the movement of quadrant into 2nd quadrant is happened after the decentralization that means they belong to fast-growing region
PENGARUH SUPPLY CHAIN FLEXIBILITY DAN TEKNOLOGI INFORMASI TERHADAP DAYA SAING PERUSAHAAN UKM KERIPIK TEMPE SANAN MALANG
No full textCompetitiveness as a key to obtain a competitive advantage and is the company's ability in: flexibility, innovation, quality and cost reduction. While supply chain flexibility can be used to analyze the overall system capacity to accommodate volume and schedule fluctuations from suppliers, manufactures and customers, this flexibility is essential to the success of the supply chain. To connect the entire supply chain functions, there are five dimensions of supply chain flexibility: supply flexibility, product flexibility, production flexibility, delivery flexibility and responsiveness flexibility.In this globalization era, when the company's competitive advantage can be achieved, the ability to support Information Technology (IT) for supply management flexibility plays an important part, as measured by indicators of information technology infrastructure capabilities and the ability to use information technology.This study findings that the application of IT has an influence on the competitiveness of SMEs Tempe Chip's Sanan, this is explained because it is still infrequent use of IT by SMEs to financial management activities and reports, as well as the development of innovation that affect the competitiveness of SMEs there tempeh crackers in orders.The research also found that the application of Supply Chain Flexibility (SCF) has no effect on the competitiveness of SMEs Tempe Chip's Sanan, which are described as the average chip makers Tempe orders in normal conditions are relatively stable level of demand, so in this case the flexibility of the supply chain not required. Meanwhile, in terms of product innovation, the average tempe chip's craftsmen produce the same good price, quality, or taste. Only the craftsmen who continue to innovate which can produce new products, but this condition does not last long because other craftsmen in the long run can imitate new products
IDENTIFIKASI PAJAK DAERAH YANG POTENSIAL DALAM UPAYA PENINGKATAN PENDAPATAN ASLI DAERAH
No full textPenelitian ini bertujuan untuk mengetahui jenis pajak daerah yang potensial dalam meningkatkan Pendapatan Asli Daerah. Adapun hasil yang diperoleh adalah tingkat pertumbuhan rata-rata terbesar terjadi pada jenis Pajak Parkir dan terkecil terjadi pada Pajak Pengambilan Bahan Galian Golongan C. Sedangkan tingkat kontribusi rata-rata terbesar terhadap pajak daerah terdapat pada jenis Pajak Penerangan Jalan namun yang terkecil ada pada Pajak Pengambilan Bahan Galian Golongan C. Pajak Penerangan Jalan mempunyai sumbangan rata-rata terbesar terhadap PAD tetapi Pajak Pengambilan Bahan Galian Golongan C sumbangan rata-ratanya terkecil terhadap PAD.Pada perhitungan jenis pajak daerah dapat diidentifikasikan bahwa yang termasuk pajak berkembang adalah; pajak hiburan dan parkir, sedangkan untuk pajak terbelakang pajak adalah; pajak hotel, pajak restoran, pajak reklame dan pajak bahan galian golongan C, sedangkan untuk pajak potensial belum dimiliki oleh Kabupaten Sidoarjo, namun dapat dikatakan pajak daerah masih mempunyai potensi yang sangat baik dalam peningkatan PAD kabupaten Sidoarjo
ANALISIS DINAMIS PERMINTAAN DAN PENAWARAN KOMODITAS KEDELAI DI JAWA TIMUR
No full textThe aims of this research are: (a) analyze factors influencing suplay, import and demand of soybean in east java region; (b) analyze factors influencing price of soybean; (c) analyze linkage among suplay, import, demand and domistic price of soybean simultaneously. This research conducted in east java as main producer of soybean in Indonesia. We use secondary data for 1980-2004 periods wits simutaneus models, especially two stage least square method.The result of research shows that the model of demand and supply used had fulfilling economic, statistic and econometric criteria so can be used to explain economic behavior of soybean in east java correctly. Suplay of soybean influenced positively by corn price, productivity and harvesting are of soybean commodity, while domistic price of soybean, price of rice, price of fertilizer, world price and so lags of supplay does not significant. Import positively influenced by income and current demand, and negatively import does not significant. Domistic demand of soybean positively influenced by population size and negatively influenced by per capita income, while other variables such as domistic price, corn price and previous demand does not significant. Domistic price positively influenced by suplay and exchange rate, and so previosly domistic price, while demand and world price does not significant