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All Journal International Journal of Islamic Business and Management Review Wadiah : Jurnal Perbankan Syariah Agency Journal of Management and Business International Journal of Islamic Finance (IJIF) Jurnal Ekonomi Akuntansi Manajemen Agribisnis
Trimulato
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Feasibility Analysis Of Financing Subsidized Mortgage Customers at Bank BTN Syariah Makassar Branch Ismawati; Trimulato; Herman , Nurmelianda
International Journal of Islamic Business and Management Review Vol. 2 No. 2 (2022)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/ijibmr.v2i2.271

Abstract

Purpose – The purpose of this research is to analyze of financing subsidized mortgage customers at Bank BTN Syariah Makassar Branch.Methodology/approach – This study uses a qualitative method. They are using a data analysis approach using the 5C+1S principle. Findings – The study results found that Bank BTN Syariah Makassar Branch principle 5C + 1S in conducting customer financing feasibility analysis. Character, Capacity and Collateral are these three points that influence the ongoing financing. Meanwhile, capital and conditions of the economy are only supporting aspects because both of them do not have a significant influence in the process of providing funding, while in Sharia, namely 1 S, more emphasis is placed on the sale and purchase contract, where this Islamic bank prioritizes MUI fatwa decisions and must meet Sharia elements.Novelty/value – the research contribution is to provide analysis of financing subsidized mortgage customers at Bank BTN Syariah with using the 5C+1S principle.
The Influence of Asset and Liability Management on Dividend Policy and Firm Value of Listed Banking Companies in the Indonesia Stock Exchange Kamaruddin; Sudirman; Nasrullah Bin Sapa; Trimulato; Supriadi; Mukhlis; Asyraf Mustamim; Safri Haliding
Agency Journal of Management and Business Vol. 5 No. 1 (2025): January 2025
Publisher : Pustaka Digital Indonesia

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Abstract

This study examines the impact of asset and liability management on dividend policy and firm value in listed banking companies on the Indonesia Stock Exchange (IDX). The research utilizes panel data from banking statistics reports and annual IDX statistics. Structural Equation Modeling (SEM) is employed for data analysis. The findings reveal that asset management has a positive and significant effect on both dividend policy and firm value. This suggests that efficient asset allocation enhances a bank’s ability to distribute dividends and increase its overall valuation. Conversely, liability management exhibits a negative and insignificant effect on dividend policy and firm value. This indicates that an increase in liabilities does not significantly influence a company's dividend distribution or market valuation. These results highlight the importance of effective asset management in shaping financial performance and shareholder value, while liability management requires further evaluation for its role in banking stability. The study provides insights for investors, policymakers, and banking executives in optimizing financial strategies for sustainable growth and profitability.
Islamic Progressive and Sharia Banking Problems During Covid-19 Pandemic Trimulato
International Journal of Islamic Finance Vol. 1 No. 1 (2023): May 2023
Publisher : Department of Islamic Financial Management, Faculty of Economics and Islamic Business, Sunan Kalijaga State Islamic University, Yogyakarta, Indonesia.

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Abstract

Background: The emergence of the Covid-19 pandemic has caused several sectors to be badly affected. Including sharia banking as an affected institution resulting in decreased performance. In conditions like these, Islamic banks still have to survive to be able to provide the best service and maintain the trustworthiness of customer funds. Objectives: The purpose this study to determine development sharia banking, and progressive Islamic thought for sharia banking problems. Novelty: The concept of Progressive Islamic can be a reference in maintaining stability and protecting Islamic banks from various problems during the Covid-19 pandemic. Research Methodology / Design: The method used this research is field research, using qualitative. The Sources used study are secondary data, from various sources considered relevant research theme. The data analysis technique used research is descriptive qualitative, which describes the development of sharia banking and the role of progressive Islam for sharia banking problems. Findings: This study indicate growth sharia banking during covid-19 pandemic period April 2020 to April 2021. Sharia banking assets grew 13.96 percent, Third Party Funds grew 14.16 percent, financing grew 7.96 percent, income grew 1.43 percent, and non-performing financing grew by 4.83 percent. Sharia banking must be more open to suggestions or responses from various parties as a form of improvement. The input can be sourced from anywhere that is in line with the concept of sharia banking itself. One of them is from progressive Islam itself, which focuses on many things in society. Among them is the focus of progressive Islam, namely on justice, this must be a reference for Islamic banks for their activities. Because justice is also the goal of Islamic economics and following sharia law. Implication: Some of the concepts and values of Islamic progressive can be adopted by sharia banking in overcoming several problems that have arisen due to the Covid-19 pandemic. such as carrying out various product developments and updating services by maximizing technology-based services.
Determinan Keuntungan Bagi Hasil Dengan Penguatan Dana Pihak Ketiga Pada Bank Umum Syariah Astuti, Widya; Abdullah, Muhammad Wahyuddin; Trimulato
WADIAH Vol. 7 No. 1 (2023): Wadiah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v7i1.303

Abstract

This study aims to describe the Determinants of Profit Sharing by Strengthening Third Party Funds at Islamic Commercial Banks in Indonesia. The population and sample used in this study are Islamic Commercial Banks in Indonesia registered with the Financial Services Authority (OJK) in 2015-2020. This research is a type of quantitative research using multiple linear regression analysis and moderated regression analysis (MRA). The source of data used in this research is secondary data, which has been presented by certain institutions. The data collection technique used was purposive sampling in determining the sample. The data analysis technique used is descriptive quantitative using the SPSS application. The results of the study state that mudharabah financing has a negative effect on profit sharing, musyarakah financing has a positive effect on profit sharing, ijarah financing has a positive effect on profit sharing, third party funds (DPK) cannot strengthen the effect of mudharabah financing on profit sharing, third party funds Third party funds (DPK) can strengthen the effect of musharaka financing on profit sharing, and third party funds (DPK) cannot strengthen the effect of ijarah financing on profit sharing.
PENGARUH BRAND IMAGE DAN KUALITAS PRODUK TERHADAP MINAT MASYARAKAT MENABUNG DI BSI KCP PETTARANI MAKASSAR Trimulato; Wahyu, Febriyani; Efendi, Ahmad
JURNAL EKONOMI AKUNTANSI MANAJEMEN AGRIBISNIS Vol 1 No 2 (2023): Juli-Desember 2023
Publisher : Universitas Ratu Samban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58222/jurekma.v1i2.197

Abstract

The purpose of this study was to determine the effect between brand image and product quality in increasing people's interest in saving. This study uses quantitative research with a causal associative approach, which aims to determine how the relationship between two or more variables. Sources of data in this study consisted of primary data and secondary data, while the data collection technique used in this study was a questionnaire method distributed via social media. The results of this study are that there is a positive influence between brand image and product quality in increasing people's interest in saving at Indonesian Islamic banks. With a coefficient value of brand image on the intention to save as much as 0.393 and a coefficient value of product quality on the intention to save as much as 0.497. Bank Syariah Indonesia, which is a new bank resulting from the merger of three Islamic banks, must build a positive brand image and must also have good and quality products.
Co-Authors Abdullah, Muhammad Wahyuddin Ahmad Efendi Asyraf Mustamim Herman , Nurmelianda Ismawati Kamaruddin Mukhlis Nasrullah Bin Sapa Rahmatia Safri Haliding Sudirman Supriadi Wahyu, Febriyani widya astuti