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UIN Alauddin Makassar

Author-ID : 2441215

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Service Excellent For Islamic Micro Financial Institution During Covid-19 Pandemic Trimulato Trimulato; Muhlis Muhlis; Farid Fajrin; Supriadi Hamid; Trisno Wardy Putra
IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Vol 10 No 1 (2021): IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita - June
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/iqtishaduna.v10i1.318

The development of Islamic financial institutions in Indonesia continues to increase. But, the development of Islamic finance institutions is hindered due to the impact of the Covid-19 outbreak. In particular, Islamic non-bank financial institutions include Islamic microfinance institutions (IMFI). SMEs that become the market segment of IMFI are affected by the Covid-19. Amid this condition, IMFI still has survived and developed and provides excellent service to customers. This study aims to determine the development of IMFI and to know the pattern of service excellence for IMFI in the condition of the Covid-19 outbreak. This research is qualitative and uses library research. Data sources obtained from several sources are considered relevant themes, especially sources of certain institutions that provide data relating to the development of IMFI. The data analysis technique used is a qualitative descriptive overview of the development of IMFI and service excellent pattern for amid the Covid-19 outbreak. Results showed the growth of IMFI in March 2021, whose assets experienced growth of 6.8 percent and financing growth of 13.66 percent. IMFI can do the excellent service pattern amid the Covid-19 outbreak, continues services as usually by following existing rules, increasing intensity of communication with customers, cooperating with other Islamic financial institutions, and improving service indirectly giving customers access.

Fenomena Hijrah Pegawai Bank Pada Komunitas XBank Di Kota Makassar Nuraeni Nuraeni; Fitri Ramdani; Trimulato Trimulato
IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Vol 11 No 2 (2022): IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita - December
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/iqtishaduna.v11i2.811

This study aims to describe the motivation for migrating to the Xbank community in Makassar, then describe the community's views on Islamic banks and Xbank's activities after leaving work from conventional financial institutions. The method used in this research is qualitative by conducting field research. The primary data source is direct interviews with the Xbank community in Makassar city and secondary data. The analysis technique used in this research is content-based descriptive qualitative. The results of the study found that the migration phenomenon of the Xbank community in Makassar city was more related to the views of the XBank community towards Islamic banking activities. The motivation for migrating is that they believe that conventional financial institutions contain the common element of usury. The XBank community in Makassar accepts the existence of Islamic banks but instead provides criticism if transactions are not under sharia principles. This research can be input for Islamic financial institutions in carrying out financial practices to avoid transactions Islam prohibits.

The Level of Public Awareness in Paying Zakat to The National Zakat Amil Agency in North Toraja District Farhan, Ilham; Agussalim, Agussalim; Nuringsih, Nuringsih; Trimulato, Trimulato
Journal of Contemporary Applied Islamic Philanthropy Vol. 2 No. 2 (2024): JCAIP
Publisher : Nuban Jagadhita Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62265/jcaip.v2i2.85

Purpose: This article aims to determine the level of public awareness of paying zakat in Baznas. Methodology: The type of research used is quantitative research. The data collection techniques used are observation, questionnaire, and documentation. The data analysis techniques used are descriptive statistical analysis and multiple linear regression test analysis. Findings: The result of the research obtained is that there is a strong relationship between the level of public awareness and zakat payment in North Toraja Regency. This significant correlation indicates that the higher the public awareness, the greater their contribution to paying zakat through BAZNAS. Further analysis shows that the level of public awareness plays an important role in explaining the proportion of zakat payment, although other factors beyond awareness also affect the final result that are not examined in this study.

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.

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 Nuddin Andi Sadapotto Andi Zulfikar Darussalam Asmawati A Asyraf Mustamim 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 Herman , Nurmelianda Hijriani, Zhulfi I, Ismawati Ilham Gani Iryani Iryani Ismail Halim Ismawati 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 Mukhlis 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 Nursyamsu Nursyamsu Rahmatia Rizki Rahim Safri Haliding Sagir Muhammad Sulaiman Saharuddin Samsul Samsul Samsul Samsul Siti Fatimah Sitti Aisya Sri Wahyuni St Hafsah Umar Sudirman Sudirman Sudirman Sudirman Sukawati, Anita Sulfia, Sulfia Supriadi Supriadi Supriadi Supriadi Syarifuddin Syarifuddin Syarifuddin Trisno Wardy Putra Wahyu, Febriyani Widya Astuti widya astuti yulianti yulianti Zulfa Amani

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