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UIN Alauddin Makassar

Author-ID : 2441215

Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Public Health Social Sciences Other

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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.

Show Abstract | Download Original | Original Source | Check in Google Scholar

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.

Implementation of Musharakah Contract in Financing Products Working Capital at Bank Panin Dubai Syariah Branch Makassar Auliah, Alya; Saharuddin, Saharuddin; Trimulato, Trimulato
Mu’amalah: Jurnal Hukum Ekonomi Syariah Vol. 2 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/muamalah.v2i2.7846

The development of the Islamic finance industry continues to experience good the choice of Islamic financial products is increasingly diverse. Sharia bank financing products consist of buying and selling, leasing, and profit-sharing schemes. Financing in Islamic banks is still dominated by consumptive financing with Murabaha contracts. Islamic banks have financing products with profit-sharing schemes that can be used for productive financing. This study aims to describe the application of musyarakah contracts in working capital financing at Bank Panin Dubai Syariah Branch Makassar. As well as outlining the application of the musyarakah contract in conformity with sharia principles. The research method used is qualitative research with field research, related to musyarakah contract financing for working capital at Bank Panin Dubai Syariah Makassar. The data sources used are primary data, data obtained directly by interviews, and secondary data from data previously presented. Data collection techniques by direct interviews with parties related to musyarakah financing and through documentation from several relevant sources. The data analysis technique used is descriptive qualitative which describes the application of musyarakah contracts in working capital financing at Bank Panin Dubai Syariah. The study results show that applying a musyarakah contract for working capital is adjusted to the type of business owned by the customer. Financing intended for a project provided that both the bank and the customer contribute capital to run a business project with profits divided according to the capital contribution portion (nisbah). The application of the musyarakah contract for working capital financing at Bank Panin Dubai Syariah branch Makassar is by Sharia principles.

Optimization of Profit-Sharing Financing for the Recovery of MSMEs in Islamic Banks During the Covid-19 Pandemic Trimulato, Trimulato; Rodoni, Ahmad; Amelia, Erika
Tijarah: Jurnal Ekonomi Syariah Vol 4, No 1 (2025): Tijarah: Jurnal Ekonomi Syariah
Publisher : CV Widina Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59818/tijarah.v4i1.1569

This study aims to analyze the development and optimization of profit-sharing financing by Islamic banks to support MSMEs' recovery during the Covid-19 pandemic. Using a qualitative library research approach, the study collected secondary data from OJK, academic journals, and relevant reports. Descriptive qualitative analysis reveals that while profit-sharing financing slightly declined during the pandemic, it remains a strategic instrument for promoting MSME resilience. Optimizing profit-sharing schemes, such as mudharabah and musyarakah, requires stronger bank-customer partnerships and adaptive financial strategies to support real sector recovery.ABSTRAKPenelitian ini bertujuan untuk menganalisis perkembangan dan optimalisasi pembiayaan bagi hasil oleh bank syariah untuk mendukung pemulihan UMKM selama pandemi Covid-19. Dengan menggunakan pendekatan penelitian kepustakaan kualitatif, studi ini mengumpulkan data sekunder dari OJK, jurnal akademik, dan laporan yang relevan. Analisis kualitatif deskriptif menunjukkan bahwa meskipun pembiayaan bagi hasil sedikit menurun selama pandemi, pembiayaan bagi hasil tetap menjadi instrumen strategis untuk mendorong ketahanan UMKM. Optimalisasi skema bagi hasil, seperti mudharabah dan musyarakah, membutuhkan kemitraan bank-nasabah yang lebih kuat dan strategi keuangan yang adaptif untuk mendukung pemulihan sektor riil.

Pengaruh Tingkat Bagi Hasil, NPF dan DPK Bagi Profitabilitas Pada PT. Bank Muamalat Indonesia Dwi Lestari, Ervina; Trimulato, Trimulato; Ismawati, Ismawati; Nuringsih, Nuringsih
Disclosure: Journal of Accounting and Finance Vol. 3 No. 1 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/disclosure.v3i1.7131

This study aims to examine the effect of Third Party Funds, Non-Performing Finance (NPF), and Profit-Sharing Rates on profitability (ROA) at Bank Muamalat Indonesia. This research uses quantitative methods. Sampling using a probability sampling method, the method by which the sample is taken is using a simple random sampling technique. The data used is secondary data obtained from the annual report at Bank Muamalat Indonesia for the period 2008-2020. The analysis used in this study is multiple linear regression analysis. The results show partially that the Third Party Fund variable has a significant negative effect on profitability (ROA), Non- Performing Finance (NPF) has no significant effect on profitability (ROA), Profit Sharing Rate has a positive effect on profitability (ROA), and Profit-Sharing Rate as the dominant variable on the influence of bank profitability.

Optimalisasi Fintech Syariah Sebagai Agen Investasi Sukuk Negara Trimulato, Trimulato
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 7, No 1 (2022): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v7i1.2829

The development of the Islamic finance industry has provided a variety of Islamic financial products. Islamic finance is not only limited to products in Islamic banks. Currently, Islamic financial products have developed, including the presence of Sukuk Investment products. The existing Sukuk consist of state Sukuk and corporate Sukuk. In the marketing process, state Sukuk is still dominated by conventional financial institutions, even though Sukuk itself is a product of Islamic finance. one of the Islamic financial institutions as a Sukuk agent can go through sharia fintech. The purpose of the study was to determine the development of state Sukuk and the development of sharia fintech institutions. and to find out the optimization of sharia fintech as a state Sukuk investment agent. The research method used in this research is qualitative. The data source used is secondary data. The data has been presented by the Financial Services Authority (OJK) and the Directorate General of Financing and Risk Management (DJPPR) of the Ministry of Finance. The data analysis technique used in this study is descriptive qualitative, which describes the development of state Sukuk products, as well as the development of sharia fintech peer-to-peer lending (P2P) sharia, as well as forms of optimizing sharia fintech as a selling agent for state Sukuk products. The results of this study show that the development of state Sukuk of the SR type in 2019 reached 46.07 percent and ST type reached 8,436,570,000,000. As for the development of sharia fintech, sharia fintech assets amounted to 50,591,727,786 rupiahs or 1.4 percent of the total fintech assets as a whole. The number of fintech that has been registered and licensed at the OJK is 161 companies, and 7.5 percent are sharia fintech or 13 companies. Optimizing sharia fintech as a state Sukuk investment agent needs to be done, by involving sharia fintech as Sukuk. Reversing the essence of Sukuk as a sharia product can be obtained through sharia fintech, to be more convincing. The character of sharia fintech by utilizing technology can provide access to state Sukuk sharia investment.

Optimalisasi Fintech Syariah Sebagai Agen Investasi Sukuk Negara Trimulato, Trimulato
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 1 (2021): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v6i1.2811

Strategy Innovation of Hajj Savings Product: an Effort to Maintain Customer Loyalty at BMT Fauzan Aziima Parepare Sukawati, Anita; Trimulato, Trimulato; Lismawati, Lismawati; Nuringsih, Nuringsih
Jurnal Hukum Ekonomi Syariah : AICONOMIA Vol. 2 No. 1 (2023): Jurnal Hukum Ekonomi Syariah : AICONOMIA
Publisher : Fakultas Syariah IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/acm.v2i1.2852

The purpose of this research is to describe the product innovation strategy for Hajj savings at BMT Fauzan Aziima and efforts to maintain customer loyalty. The type of research used is a field study conducted directly at BMT Fauzan Aziima, Parepare city. This research is a qualitative research that describes the research results from the data obtained. The data source used is primary data obtained directly and supplemented with secondary data that supports the research. Data collection techniques used were interviews with institutions and interviews with customers, as well as data from the literature. The data analysis technique used in this study is descriptive qualitative, which describes the strategies undertaken by BMT Fauzan Aziima in innovating hajj savings products and efforts to maintain customer loyalty. The results of this study show BMT Fauzan Azhiima's product innovation, namely the Hajj Savings Product. BMT Fauzan Azhiima didn't just sit there. BMT Fauzan Azhiima uses a strategy, namely by visiting prospective customers directly, such as going directly to the field to promote products to each prospective customer. Increased loyalty of hajj customers at BMT Fauzan Azhiima Parepare City This can be proven by the increase in customers from 2015 to 2017 of 18.06%. By innovating products will increase public interest in saving at BMT. Product innovation as an effort to attract more customers and become a differentiator from conventional products.

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

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.

THE ROLE OF ISLAMIC ECONOMIC INSTITUTIONS TO RECOVER REAL SECTOR OF SMEs During COVID-19 Pandemic Trimulato, Trimulato
Li Falah: Journal of Islamic Economics and Business Vol. 6 No. 1 (2021): June 2021
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v6i1.2653

Islamic economics prioritizes the real sector including SMEs, and makes Islamic Economic institutions as supporters and drivers of the real sector. The market share of sharia financial has reached 8.5 percent, and will continue to grow and develop. Since the emergence of the corona virus outbreak, it has eroded and slowed down economic activity, including in the SMEs sector. SMEs are among the ones that have been significantly affected by the corona virus. To restore the economic activities of SMEs, the Islamic Economic Institutions have role to be able to restore the economic activities of SMEs. The purpose of this study is to determine the development of Islamic economic institutions, and to determine the role of Islamic economic institutions in restoring SMEs in the midst of the Covid-19 outbreak. This type of research is library research with qualitative characteristics. Sources of data in this research are secondary data sourced from several institutions that have been presented. The limitation in this study is only for a few Islamic economic institutions related to SMEs. The data analysis technique used in this research is descriptive qualitative. Describing the object of research on the development of Islamic economic institutions and the role of Islamic economic institutions to recover the real sector of SMEs is included in analysis technique. The results of this study indicate the development of Islamic economic institutions. Sharia Financing Banking (BPRS) grew by 349.34 for income, Sharia Microfinance Institutions (LKMS) grew by 11.75 percent for financing, Sharia Peer To Peer Landing (P2P) institutions experienced a decrease in assets by 0.05 percent, and Social institutions, the growth of social fund collection was 48.08 percent at Insisatif Zakat Indonesia (IZI), and the growth in distribution of social funds by 114.27 percent Badan Amil Zakat Nasional (BAZNAS). The role of Islamic economic institutions in the recovery of the real sector of SMEs in the midst of the Covid-19 outbreak, namely optimizing finance for SMEs, assisting financing customers, providing relief for affected customers, participating in marketing customer products online, maximizing profit sharing system, strengthening of partnerships, and maximizing the distribution of social funds for SMEs economic activities.

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

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 A. Darussalam Tajang A. Syatir Sofyan Agussalim, Agussalim Ahmad Efendi Ahmad Rodoni Ambo Asse Amiruddin . Amiruddin K Amiruddin K., Amiruddin Anak Agung Istri Sri Wiadnyani Andi Nuddin Andi Sadapotto Andi Zulfikar Darussalam Asyraf Mustamin Asyraf Mustamin Asyraf Mustamin Atikah Widhiana Putri Auliah, Alya Awaliyah, Dien Putri Djamal Abdi, Djamal Dwi Lestari, Ervina Eky Dwi Juswina Erika Amelia Euis Amalia Farhan, Ilham Farid Fajrin Fasiha Fasiha Fitri Ramdani Halim, Ismail Hasbiullah Hasbiullah, Hasbiullah Hijriani, Zhulfi Ilham Gani Iryani Iryani Ismail Halim Ismawati Ismawati Ismawati Ismawati Ismawati Ismawati Ismawati Jalil, Nurlina Kamaruddin Kamaruddin Kamaruddin Khaliq Ahmad Lismawati Lismawati Lismawati, Lismawati M. Cholil Nafis Mega Oktaviany Muhammad Anshar Jafar Muhammad Imran Muhammad Kharis Tambusa Muhammad Wahyuddin Abdullah Muhlis Muhlis Masin Muhlis Muhlis Muhlis Muhlis Mujahidin Mujahidin Muslim Mustamin, Arsyaf Mustamin, Asyraf Nasrullah Bin Sapa Nur Annisa Nur Isra' Ahmad Nuraeni Gani Nuraeni Nuraeni Nuraeni Nuraeni Nuraeni Nuraeni Nuringsih Nuringsih Nuringsih, Nuringsih Nurmelianda Herman Nursyamsu Nursyamsu Rahmatia Rizki Rahim Sagir Muhammad Sulaiman Saharuddin Samsul Samsul Samsul Samsul Siti Fatimah Sitti Aisya Sri Wahyuni St Hafsah Umar Sudirman Sudirman Sudirman Sukawati, Anita Sulfia, Sulfia Supriadi Supriadi Supriadi Syarifuddin Syarifuddin Syarifuddin Syarifuddin Syarifuddin Syarifuddin Trisno Wardy Putra Wahyu, Febriyani widya astuti Widya Astuti yulianti yulianti Zulfa Amani

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