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Keterkaitan Lembaga Keuangan Mikro Syariah Dengan Agenda Sustainable Development Goals (SDGs) Trimulato, Trimulato; Nuringsih, Nuringsih
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 3, No 2 (2019)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (504.157 KB) | DOI: 10.24252/al-mashrafiyah.v3i2.9869

Abstract

In February 2018, growth of financing by 52.9 percent. Islamic microfinance institutions have a role in increasing people's economic income. The goal sustainable development or commonly called Sustainable Development Goals (SDGs), its have 17 goals achieved until 2030. Goals is bring prosperity all levels society. It is line with existence Islamic microfinance institutions to improve standard living and public welfare. Type this paper is qualitative method, used is qualitative descriptive analysis, describes growth Islamic microfinance institutions BPRS and BMT institutions. Describes SDGs have objective conformity with BPRS and BMT. Results this paper indicate growth Islamic microfinance institutions, where there are component BPRS grow 10 percent. Results show are financing aspects grow 17.1 percent. BMT financial ratio remaining operating grew by 403.5 percent. Study provides information that Islamic financial institutions are accordance with achievement program SGDs related increasing income and economic activities can realized with presence welfare. Form  role sharia financial institutions, easy access capital and socialization introduction financial investment.Keywords : BPRS, BMT, and Sustainable Development Goals (SDGs), Islamic microfinancePada Februari 2018 pertumbuhan pembiayaan  menunjukkan yang tumbuh sebesar 52,9 persen. Lembaga keuangan mikro syariah memiliki peran dalam meningkatan pendapatan ekonomi masyarakat. Tujuan dari pembangunan berkelanjutan atau yang biasa disebut Sustainable Development Gols (SDGs). SDGs memiliki 17 tujuan yang ingin dicapai sampai tahun 2030. Tujuan ini sejalan dengan keberadaan lembaga keuangan mikro syariah untuk meningkatkan taraf hidup masyarakat dan meningkatkan kesejahteraan. Artikel ini menggunakan metode kualitatif dengan teknik deskriptif, menguraikan pertumbuhan lembaga keuangan mikro syariah yaitu BPRS dan BMT. Yang dikaitkan  Sustainable Development Goals (SDGs). Hasil menunjukkan pertumbuhan lembaga keuangan mikro syariah, beberapa komponen pada BPRS tumbuh di atas 10 persen. Pertumbuhan pembiayaan tumbuh sebesar 17,1 persen. Sisa hasil usaha yaitu sebesar 403,5 persen. Peran lembaga keuangan syariah dalam pencapaian SGDs meningktakan pendapatakn dan usaha masyarakat untuk menghadirkan kesejahteraan. Melalui akses keuangan baik dalam bentuk memberikan kemudahan akses modal dan pengenalan produk investasi, masyarakat dapat meningkatkan pendapatan.Kata Kunci: BPRS, BMT, Sustainable Development Goals (SDGs), Keuangan Mikro Syariah
OPTIMALISASI FILANTROPI ISLAM UNTUK PENGEMBANGAN UMKM DI LAZISMU KOTA PAREPARE Trimulato, Trimulato; Abdi, Djamal; Lismawati, Lismawati; Nuringsih, Nuringsih
AL AMWAL (HUKUM EKONOMI SYARIAH) Vol. 3 No. 1 (2020): Jurnal Al Amwal (Hukum Ekonomi Syariah)
Publisher : STAI BHAKTI PERSADA BANDUNG

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Abstract

The development of shariah industry increasingly visible with the presence of various institutions based on shariah bases. Shariah economics not only has a profit oriented industry, there are also social institutions that collecting and channeling funds to the public for goodness. Islamic philantrophy consists of Zakah, Infaq, Shadaqah, waqf and other social fund.  All have been managed by an institution that already has a strong legal law. One of the institutions that manage funds from Islamic Philanthropy is LAZISMU, belonging to the Muhammadiyah community organization. LAZISMU already spread in several cities in Indonesia, including in the town of Parepare South Sulawesi. LAZISMU Parepare make a breakthrough philanthropy fund distribution in productive sector in the real economic activity of Smes. This paper is qualitative descriptive describing the source and channeling and Islamic philanthropy in Lazismu Parepare the period of 2017. And allocation of Islamic Philanthropy funding for Smes economic activity. From the results obtained from this paper shows that the distribution of Islamic Philanthropy funds conducted by LAZISMU Parepare  for the real economic activity of SMEs is still minimal and has not become dominant. The totaly disbursement of funds carried LAZISMU Parepare amounted to 369.770.000 rupiah, only 7,04 percent channeled to the real sector of SMEs or only 26,020,000 rupiah.
Making the case for institutional support on designing agroforestry technology models for rehabilitating critical lands Nuddin, Andi; Arsyad, Muhammad; Putera, Muhammad Ikbal; Nuringsih, Nuringsih; Teshome, Temesgen Tilahun
Forest and Society Vol. 3 No. 1 (2019): APRIL
Publisher : Forestry Faculty, Universitas Hasanuddin

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (777.166 KB) | DOI: 10.24259/fs.v3i1.5975

Abstract

Land and forest management practices in developing countries have resulted in millions of hectares of degraded lands. This is caused by policy implementation unable to synergize between conservation-ecological goals, and the economic needs of farmer households. This study aims to showcase a model for bringing together economic and ecological interests more closely in line with one another. Furthermore, the study also presents an institutional structure of a program that could help to establish agroforestry-based land rehabilitation policies. The research employed includes a combination of Farming Income Analysis and Interpretative Structural Modeling Analysis. The results show that farming income, when employing agroforestry technology is higher than non-agroforestry approaches. Furthermore, agroforestry technology supports critical land rehabilitation and provides conditions for longer term sustainability. Therefore, a programmatic institutional approach is needed to support these dual goals. We identify that a programmatic approach would include: (1) applying conditions of an agroforestry system as a holistic structured unit, (2) improvement of farmer knowledge and skills, (3) increasing the role and capacity of relevant institutions, (4) improving coordination between sectors, (5) developing conservation agriculture systems, (6) improving bureaucratic support systems, and (7) strengthening control and supervision functions. These elements imply that implementation of agroforestry technology requires institutional support in designing policy for critical land rehabilitation, of which would have significant economic and ecological outcomes on critical lands.
Analysis of the Concept of Work Productivity in Islamic Economic Perspective Ifna, Nur; Nuringsih, Nuringsih; Jamaluddin, Jamaluddin
Bulletin of Community Engagement Vol. 3 No. 2 (2023): Bulletin of Community Engagement
Publisher : CV. Creative Tugu Pena

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51278/bce.v3i2.899

Abstract

One important element of the economy that received great attention from various economic systems, including the Islamic economic system, was the world of work. Work is the main driver of economic activity both micro and macro which is a means for every human being to be able to survive. The purpose of writing is (1) knowing the concept of work or productivity in Islam, (2) knowing the purpose of working in Islamic economics, and (3) knowing work ethics in Islamic economics. The method used in writing this journal is based on qualitative writing using the Literature Review approach. The results and conclusions obtained by work are a way to meet human needs both physical, psychological, and social needs. In addition, work is an activity that has the social support and individual itself. Humans are required to try, not waiting because God does not lower property, science and technology and power from heaven but humans must try themselves. Humans must realize how important economic independence is for every Muslim. Independence or uninvesting for the mercy of others contains risks, that Muslims are required to work hard. And the condition is to understand the basic concepts that work is worship. With this understanding, a high work ethic will be built Keywords: Islamic Economy, Work Productivity, Islamic Economic
Management Of Funding Products And Financing Products In Fulfilling Liquidity At Pt. Bank Syariah Mandiri Branch Sengkang South Sulawesi Hijriani, Zhulfi; Trimulato, Trimulato; Nuringsih, Nuringsih; Lismawati, Lismawati
el-Amwal Vol 7, No 1 (2024): Maret
Publisher : LPPM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/el-amwal.v7i1.15359

Abstract

Maintaining the health of Bank Syariah Mandiri Sengkang Branch, among other things, is carried out while maintaining its liquidity so that the bank can fulfill obligations to parties who withdraw or withdraw their deposit funds at any time. This study discusses that liquidity is influenced by two factors, namely fundraising and channeling of funds so that Bank Syariah Mandiri Branch Sengkang South Sulawesi manages funding products and financing products as well as possible. This research aims to find out how to manage funding products and financing products at PT. Bank Syariah Mandiri Branch Sengkang and to find out the management of funding products and financing products to meet liquidity at PT. Bank Syariah Mandiri Branch Sengkang. This research is a type of research with qualitative methods. The source of the data used in this research is the primary data approach through interviews, observation, and communication with parties related to PT. Bank Syariah Mandiri Branch Sengkang. The data analysis technique used in this study is descriptive analysis, namely data analysis on the types of funding and financing products and managing them to meet bank liquidity. After going through the analysis process, it is obtained that the funding product has been managed properly which can be seen in the number of third-party funds or fund collectors stored. Financing products at Bank Syariah Mandiri Sengkang Branch have also been good, seen from the lack of bad loans and being able to limit the taking of financing its liquidity can also be said to be productive because it can fulfill its financial obligations on time.
Sosialisasi Peran Ekonomi Syariah terhadap Dampak Ekonomi di Masa Pendemi Covid-19 Trimulato, Trimulato; Lismawati, Lismawati; Nuringsih, Nuringsih; Agussalim, Agussalim; Jalil, Nurlina
Pengabdian Masyarakat Sumber Daya Unggul Vol. 1 No. 1 (2023): Volume 1 Nomor 1 Tahun 2023
Publisher : Lembaga Penelitian dan Publikasi Ilmiah, Yayasan Almahmudi Bin Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1308.096 KB) | DOI: 10.37985/pmsdu.v1i1.21

Abstract

Masih rendahnya pengetahun dan literasi masyarkat terhadap keuangan syariah, membutuhkan upaya untuk terus dilakukan sosialisasi. Kegiatan sosialisasi peran ekonomi syariah untuk pemulihan ekonomi di masa pandemi pandemi covid-19 sebagai upaya respon akan keadaan tersebut. Tujuan dari kegiatan pengabdian masyarakat ini untuk menguraikan dan mengenalkan konsep dari ekonomi syariah, serta upaya yang dapat dikembangkan dari ekonomi syariah dalam menghadapi pandemi covid-19. Kegiatan ini dilakukan dengan beberapa persiapan, dan tahapan-tahapan sehingga dapat terlaksana dengan baik. Hasil dari kegiatan ini webinar ini masyarakat lebih mengenal konsep ekonomi syariah, serta kekuatan dan keadilan dalam ekonomi syariah khususnya di masa pandemi covid-19. Peserta juga mengetahui sektor-sektor yang terkena dampak akibat pandemi covid-19, dan bentuk peran dari ekonomi syariah dalam keadaan tersebut. Kegiatan ini dilaksanakan dengan pemateri dari berbagai perguruan tinggi, dan sebagai pelaksana Univeristas Muhammadiyah Parepare Sulawesi Selatan
Implementation of Murabaha Contracts in Implant Financing at Bank Mandiri Syariah Subbranch Sengkang Awaliyah, Dien Putri; Trimulato, Trimulato; Nuringsih, Nuringsih; Lismawati, Lismawati; Agussalim, Agussalim
Kunuz: Journal of Islamic Banking and Finance Vol 4 No 1 (2024)
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kunuz.v4i1.987

Abstract

This study aims to determine the application of Murabahah contracts in implant financing at Bank Syariah Mandiri Sub-branch Sengkang and the customer's perspective on implementing the contract. The benefit of this research is that it can add insight and knowledge in the field of Sharia banking and can be used as a scientific contribution and increase knowledge, especially for banks, it can be used as a reference in improving management performance and improving the quality and quality of service to the community. This research uses qualitative methods. with an approach through interviews, observation, and documentation to parties related to Bank Syariah Mandiri Sub-branch Sengkang. The analysis technique used in this study is descriptive analysis, a way to process data into information so that the characteristics of the data can be understood and useful for solving problems and describing the situation or event of a problem to be solved. The results of this study are the application of a Murabahah contract, namely using Bank Syariah Mandiri Sub-branch Sengkang entering a Murabahah agreement with the customer, and at the same time delegating (wakalah contract) to the customer to buy the goods needed by reporting the purchase receipt to the bank.
PELATIHAN PENGEMBANGAN POTENSI DESA SABBANGPARU MELALUI TEKNOLOGI INFORMASI Jalil, Nurlina; Nur Fuadi, Muh; Nuringsih, Nuringsih; Salmiati, Salmiati
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 7, No 12 (2024): MARTABE : JURNAL PENGABDIAN MASYARAKAT
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v7i12.5166-5173

Abstract

Pengembangan potensi desa merupakan salah satu cara strategis dalam meningkatkan kesejahteraan masyarakat pedesaan, terutama diera digital saat ini. Teknologi informasu (TI) menjadi sarana yang efektif untuk memfasilitasi transformasi desa menjadi lebih produktif dan mandiri. Kegiatan Pengabdian kepada Masyarakat yang kami lakukan bertujuan untuk mengidentifikasi peran teknologi informasi dalam mengoptimalkan potensi desa, baik dari segi ekonomi, sosial, maupun budaya masyarakt yang ada di desa. Melalui pengabdian kepada masyarakat ini tentunya diharapkan bisa memberikan kontribusi yang besar bagi masyarakat yang ada didesa untuk lebih meningkatkan pemahamannya terkait pemanfaatan internet, platform digital, dan aplikasi berbasis teknologi serta potensi desa seperti bidang kelautan, pertanian, parwisata, serta sumber daya lokal lainnya yang bisa menjadi lahan pendapat atau peningkatan kesejahteraan perekonomian yang bisa mereka promosikan secara luas dan efesien. Selain itu, penerapan IT juga memungkinkan terjalinnya komunikasi yang lebih baik antara masyarakat desa dan pemerintahan dalam rencana pembangunan, serta memudahkan akses terhadap informasi dan pasar global. Hasil kegiatan PkM menunjukkan bahwa melalui teknologi informasi mampu mempercepat pertumbuhan ekonomi desa, membuka wawasan yang baru terkait lapangan kerja baru, serta dapat kesejahteraan hidup masyarakat desa.
PENGOLAHAN MINYAK KELAPA MURNI (VCO) SEBAGAI PRODUK UNGGULAN DESA YANG BERNILAI EKONOMIS TINGGI DI DESA ABBOKANGANG KABUPATEN SIDRAP Hasdiana, Hasdiana; Nuringsih, Nuringsih; Wahyuddin, Wahyuddin; Arfianty, Arfianty; Ismail, Ismail; Tiara, Elva
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 7, No 12 (2024): MARTABE : JURNAL PENGABDIAN MASYARAKAT
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v7i12.5141-5146

Abstract

Desa Abbokongang memiliki potensi besar dalam pengembangan produk olahan minyakkelapa murni (Virgin Coconut Oil atau VCO) yang bernilai ekonomis tinggi. Melaluikegiatan pengabdian masyarakat ini, diadakan pelatihan untuk memberdayakan masyarakatsetempat dalam pengolahan VCO, dengan tujuan meningkatkan keterampilan produksi sertakesejahteraan ekonomi desa. Pelatihan ini mencakup tahapan teknis mulai dari pemilihanbahan baku, metode ekstraksi yang efisien, hingga pengemasan dan pemasaran produk.Selain itu, materi pelatihan juga menekankan pentingnya standar kebersihan dan sanitasidalam proses produksi guna menjamin kualitas produk yang kompetitif di pasar. Melaluikegiatan ini, diharapkan masyarakat Desa Abbokongang dapat mengembangkan usahaberbasis produk lokal yang berkelanjutan, sekaligus memperkuat potensi VCO sebagaiproduk unggulan desa. Evaluasi dilakukan berdasarkan kemampuan peserta untuk mengolahdan memasarkan VCO secara mandiri. Hasil kegiatan ini diharapkan mampu meningkatkanproduktivitas dan pendapatan masyarakat desa secara signifikan.
Internalization Of Sharia Economic Perspective Based On Creative Economy On Coffee Commodities in Enrekang Regency, South Sulawesi. Nur Aini; Nuringsih, Nuringsih; Lismawati, Lismawati
International Journal of Economics, Business and Innovation Research Vol. 4 No. 02 (2025): International Journal of Economics, Business and Innovation Research( IJEBIR)
Publisher : Cita konsultindo

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Abstract

The creative economy is a sector that prioritizes the use of creativity, knowledge, and skills to produce products and services with high added value. From the perspective of sharia economics, the creative economy is not only seen in terms of its economic value, but must also be in accordance with sharia principles, such as justice, welfare, and sustainability. This study uses a qualitative approach with observation and interview methods. The understanding and application of sharia economic principles in coffee business activities in Bone Bone Village can be seen from several indicators, such as the level of public understanding of sharia concepts, the extent to which these principles are applied in coffee business practices, and their impact on the sustainability and welfare of farmers. Based on the results of research and observations, the following is an overview of the extent to which the people in Bone Bone Village understand and apply sharia economic principles in their coffee business activities. This study aims to explore the application of sharia economic principles in developing a creative economy in coffee commodities in Bone-Bone Village, Enrekang Regency. The main focus of this study is to analyze how the internalization of sharia economic principles such as justice, transparency, and the prohibition of usury can be applied in the local coffee industry to create added value and sustainability for rural communities. The research method used is qualitative with a case study approach, which includes interviews with coffee farmers, coffee entrepreneurs, and the surrounding community. The results of the study show that the application of sharia economics in the production and marketing of coffee based on the creative economy can improve the quality of life of coffee farmers and develop coffee products that are more valuable in the local and global markets. However, challenges in its implementation include a lack of a deep understanding of sharia economics and the limitations of marketing infrastructure. This study recommends strengthening sharia education and marketing digitalization as a solution.