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Analisis Produktivitas Perbankan Syariah di Indonesia dalam Mengelola Dana Sosial Ramadhan Rizky Putra; Sekarsukma Syifadhiya; Sekar Aji Widyastiti; Zulfikar Bagus Pambuko
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 8, No 1 (2018)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (923.1 KB) | DOI: 10.21927/jesi.2018.8(1).74-80

Abstract

Under the Law Number 21 of 2008 article 4 explains the obligation for Islamic banks in Indonesia to manage social funds, besides the funding and financing activities. This study aims to analyse the level of productivity of social funds at Islamic banks. Data analysis using Malmquist Productivity Index (MPI) technique on 8 BUS in 2013-2017. The input variables are the receipt of zakat funds and the charity funds, while the output variables are the use of zakat funds and the charity funds. The results of this study found that 5 BUS have managed social funds efficiently and three other BUS have inefficiency conditions. Furthermore, based on MPI analysis it is found that almost all Islamic Banks has increased productivity by 32.2% which is supported by 36.4% increase of TECHCH although EFFCH value decreased by -2.3%. It indicates that Islamic Banks in Indonesia is already using technology to improve its productivity. Furthermore, from 8 BUS that became the research object, only BRISyariah experienced a decrease in productivity.
Kebijakan Spin-off dan Efisiensi Perbankan Syariah di Indonesia Zulfikar Bagus Pambuko
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 2 No. 1 (2019)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v2i1.822

Abstract

The study aims to analyse the spin-off policies’ impact on the Islamic banks’ efficiency in Indonesia. The study was conducted on five spin-off Islamic banks and efficiency were measured by the BOPO ratio. The research variables used were dummy spin-off, ROA, FDR, and economic growth. Data analysis used panel data regression on annual data from 2008 to 2018. The results suggest that, first, the implementation of spin-off policy significantly increased the operational efficiency of Islamic banking. Second, ROA also has a negative effect on efficiency. Third, FDR and economic growth have no significant effect on the Islamic banks’ efficiency in Indonesia.
Empowerment of human resources in the plantation sector in Tegalsari Hamlet, Magelang Regency Fitriana Yuliastuti; Devi Pujiyanti; Laela Safitri; Azizah Nur Rafa K. A.; Fadhil Lutfian; Bagus Sampurno; Zulfikar Bagus Pambuko; Lintang Muliawanti
Community Empowerment Vol 7 No 6 (2022)
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (304.464 KB) | DOI: 10.31603/ce.5678

Abstract

It is necessary to develop community empowerment initiatives in the Covid era, one of which entails holding workshops on the use of garden medicinal herbs. Socialization and workshop in this program is aimed at increasing the empowerment of rural communities in optimizing garden yields and independent, creative, and innovative entrepreneurship for the people of Dusun Tegalsari. When evaluation and monitoring were carried out a month following the program, the training activities went smoothly and successfully. As a result, there is an increase in public knowledge of the use of medical plant cultivation to boost income through the development of new products.
Preventing the spread of COVID-19: Participation in the mass vaccination movement in Magelang Regency Zulfikar Bagus Pambuko; Suherman Suherman; Mei Lala Sari; Daffa Adi Praditama; Kharisma Amelia Nur’Aini; Trianda Pratiwi
Community Empowerment Vol 7 No 1 (2022)
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (394.073 KB) | DOI: 10.31603/ce.6626

Abstract

This community service aims to aid in the prevention of Covid-19 transmission and the success of the vaccination acceleration program for residents of the Magelang Regency. The Subdistricts of Pakis, Tegalrejo, Mertoyudan, Mungkid, Muntilan, Dukun, Sawangan, and Tempuran are some of the areas that are supported in the administration of mass vaccination. Furthermore, this vaccination program has the potential to improve health quality while also restoring community productivity. The service team has been involved in assisting and facilitating health workers, beginning as a vaccine administrator, inputting vaccine data, and finally recording vaccine recipients.
Developing Muhammadiyah waqf lands through Islamic investment model: special case in Indonesia Fahmi Medias; Zulfikar Bagus Pambuko; Chrisna Bagus Edhita Praja; Muhammad Ridhwan Ab. Aziz; Duddy Roesmara Donna
Varia Justicia Vol 16 No 2 (2020): Vol 16 No 2 (2020)
Publisher : Fakultas Hukum Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31603/variajusticia.v16i2.3720

Abstract

Waqf institutions in some Muslim countries including Indonesia face obstacles in providing funds to manage their waqf lands. This paper aims to propose an alternative developing model for Muhammadiyah waqf institutions to meet the financing and management constraints using the concepts of waqf land categorisation using Islamic investment models. In this conceptual paper, the theory is used to propose a model for developing waqf Muhammadiyah in Indonesia. This study identified inefficiencies in managing Muhammadiyah waqf in Indonesia due to financial problems and the lack of ability of waqf institutions in developing assets. The authors have developed an investment model as a source of waqf land financing for Muhammadiyah waqf institutions in Indonesia. This model is expected to be a solution for empowering undeveloped and unproductive Muhammadiyah waqf lands and can be applied by Muhammadiyah waqf institutions in Indonesia. In the development of this study, Muhammadiyah waqf institutions, Islamic financial institutions, and policymakers will find alternatives in developing productive waqf for the ummah. The findings of this study will provide Muhammadiyah waqf institution with an Investment model to develop their waqf. Through this study, waqf will be useful in resolving the problems of poverty, unemployment, social inequality, improving education and health facilities, and improving the Indonesian economy. This model is different from the management of existing Muhammadiyah waqf, which is carried out consumptively. Then, waqf land that has been categorized is transformed into productive assets such as agricultural products and commercial business projects. The proposed investment model is to help Muhammadiyah waqf institutions to develop waqf land. The investment model is used to make Muhammadiyah waqf land more productive and play a role in social welfare.
Spin-Off and Profitability of Indonesian Islamic Banking Dedik Fajar Nurkarim; Aulia Putri Wulandari; Zulfikar Bagus Pambuko
Urecol Journal. Part B: Economics and Business Vol. 1 No. 2 (2021): August-Dec
Publisher : Konsorsium LPPM Perguruan Tinggi Muhammadiyah 'Aisyiyah (PTMA) Koordinator Wilayah Jawa Tengah - DIY

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (304.723 KB) | DOI: 10.53017/ujeb.116

Abstract

The economic system could not be separated from the role of banking, either in funding, financing, or both. Today, Islamic bank was becoming an alternative banking service which had given new nuances to the business, both in terms of providing working capital or investment. This study aimed to investigate the effect of spin-off on Islamic Banks’ profitability with three control variables as market share, efficiency, and liquidity. This study used a quantitative approach from quarterly data from March 2013 to December 2019. The samples were two spin-off Islamic banks, namely Bank Aceh Syariah and Bank Tabungan Pensiunan Nasional Syariah. Based on the results of data analysis using the Ordinary Least Square technique, it was found that the spin-off, liquidity, and efficiency had significant impacts on the spin-off Islamic banks’ profitability. The market share has no significant effect on the profitability of Islamic banks
The Marketing Strategy and Benefits Analysis of Papringan Market in Indonesia: A Narrative Review of Literature Sekar Aji Widyastiti; Elsa Ternanda Alsyifa; Retno Bagus Sayekti; Zulfikar Bagus Pambuko
Urecol Journal. Part H: Social, Art, and Humanities Vol. 2 No. 2 (2022): August-Dec
Publisher : Konsorsium LPPM Perguruan Tinggi Muhammadiyah 'Aisyiyah (PTMA) Koordinator Wilayah Jawa Tengah - DIY

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (104.863 KB) | DOI: 10.53017/ujsah.169

Abstract

Traditional market development is essential to survive competition in modern markets. Furthermore Papringan, one of Indonesia's traditional viral markets, implemented a strategy of hawking traditional food with keping pring as a currency. This study examines the marketing concept of Papringan Market, Temanggung, and its economic impact on the community. It conducted a narrative review with two steps, including database search and thematic analysis. The study is limited to Indonesian and publication in the last five years (2015-2020). An electronic database search from Google Scholar and ResearchGate obtained 28 articles, though only nine met the inclusion criteria. The result indicated that the marketing strategy involves implementing keping pring as a currency, selling vintage foods, traditional presentations, developing websites, making motion graphics, and utilizing social media, specifically Instagram. Furthermore, the market functions as the basis for economic welfare, improving the human resources, environmental conservation, and building brotherhood.
Efisiensi Perbankan Syariah di Indonesia dalam Mengelola Dana Sosial Ramadhan Rizky Putra; Sekarsukma Syifadhiya; Sekar Aji Widyastiti; Zulfikar Bagus Pambuko
Prosiding University Research Colloquium Proceeding of The 8th University Research Colloquium 2018: Bidang Sosial Ekonomi dan Psikologi
Publisher : Konsorsium Lembaga Penelitian dan Pengabdian kepada Masyarakat Perguruan Tinggi Muhammadiyah 'Aisyiyah (PTMA) Koordinator Wilayah Jawa Tengah - DIY

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (194.877 KB)

Abstract

UU No. 21 Tahun 2008 tentang Perbankan Syariah mengamanahkan kepada perbankan syariah di Indonesia untuk mengelola dana sosial, selain kegiatan penghimpunan dan penyaluran dana. Hal ini menjadi salah satu pembeda dengan praktik di bank konvensional. Penelitian ini bertujuan untuk menganalisis tingkat efisiensi dana sosial pada bank syariah. Analisis data menggunakan teknik Data Envelopment Analysis pada 8 BUS pada 2013-2017 dengan pendekatan VRS output orientated. Variabel inputnya adalah penerimaan dana zakat dan dana kebajikan, sedangkan variabel outputnya adalah penggunaan dana zakat dan dana kebajikan. Hasil perhitungan efisiensi bank syariah menunjukkan bahwa selama periode observasi ada 5 BUS yang sudah efisien yaitu Bank Muamalat (100%), Bank Syariah Mandiri (100%), Bank Mega Syariah (100%), Bank BRI Syariah (100%), dan Bank BCA Syariah (100%). Sedangkan 3 BUS lainnya mengalami inefisiensi yaitu Bank BNI Syariah (93%), Bank BJB Syariah (82%), dan Bank Victoria Syariah (92%) dalam mengelola dana sosial.
Peningkatan Daya Saing Pedagang Pasar Rejowinangun Magelang melalui Sekolah Pasar Fahmi Medias; Zulfikar Bagus Pambuko; Sambodo Sriadi Pinilih
Prosiding University Research Colloquium Proceeding of The 8th University Research Colloquium 2018: Bidang Sosial Ekonomi dan Psikologi
Publisher : Konsorsium Lembaga Penelitian dan Pengabdian kepada Masyarakat Perguruan Tinggi Muhammadiyah 'Aisyiyah (PTMA) Koordinator Wilayah Jawa Tengah - DIY

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (560.291 KB)

Abstract

Pasar Rejowinangun yang terletak di Jantung Kota Magelang merupakan salah satu pasar tradisional yang mempunyai keterikatan sejarah dengan perkembangan sosial ekonomi masyarakat Kota Magelang. Ketidakmampuan pasar tradisional dalam bersaing dengan pasar modern menjadi masalah tersendiri yang harus segera diselesaikan. Masalah yang dihadapi oleh para pedagang pasar adalah rendahnya kesadaran dalam penerapan etika bisnis Islam, minimnya pemahaman tentang pengelolaan keuangan dan manajemen usaha, dan rendahnya kesadaran budaya bersih dan sehat. Sekolah Pasar bagi pedagang dilaksanakan untuk memberikan solusi atas permasalahan tersebut sehingga mampu meningkatkan kesadaran perilaku Islami pedagang dalam bertransaksi, implemantasi usaha berbasis manajemen keuangan, dan peningkatan kesadaran perilaku hidup bersih dan sehat di pasar. Pemberdayaan masyarakat melalui model partisipatif atau Participatory Rural Apraissal (PRA) sangat efektif membantu para pedagang pasar dalam meningkatkan daya saing diantara pasar modern. Hasil sekolah pasar ini menunjukkan bahwa implementasi manajemen keuangan usaha bagi para pedagang memberikan pengaruh signifikan dalam peningkatan keuntungan usaha, peningkatan daya saing pasar dengan mengoptimalkan online store bagi produk-produk pedagang pasar, peningkatan bauran pemasaran produk pedagang pasar, serta semakin membaiknya pelaporan keuangan usaha para pedagang. Di lain sisi, sekolah pasar memberikan kesadaran kepada pedagang dalam melakukan transaksi sesuai dengan prinsip jual beli dalam Islam serta peningkatan kesadaran gaya hidup bersih dan sehat yang berpengaruh pada meningkatnya kunjungan pembeli.
Spin-Off and Profitability of Indonesian Islamic Banking Dedik Fajar Nurkarim; Aulia Putri Wulandari; Zulfikar Bagus Pambuko
Urecol Journal. Part B: Economics and Business Vol. 1 No. 2 (2021): August-Dec
Publisher : Konsorsium LPPM Perguruan Tinggi Muhammadiyah 'Aisyiyah (PTMA) Koordinator Wilayah Jawa Tengah - DIY

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53017/ujeb.116

Abstract

The economic system could not be separated from the role of banking, either in funding, financing, or both. Today, Islamic bank was becoming an alternative banking service which had given new nuances to the business, both in terms of providing working capital or investment. This study aimed to investigate the effect of spin-off on Islamic Banks’ profitability with three control variables as market share, efficiency, and liquidity. This study used a quantitative approach from quarterly data from March 2013 to December 2019. The samples were two spin-off Islamic banks, namely Bank Aceh Syariah and Bank Tabungan Pensiunan Nasional Syariah. Based on the results of data analysis using the Ordinary Least Square technique, it was found that the spin-off, liquidity, and efficiency had significant impacts on the spin-off Islamic banks’ profitability. The market share has no significant effect on the profitability of Islamic banks