Garuda - Garba Rujukan Digital

p-Index From 2021 - 2026

9.68

P-Index

This Author published in this journals

- Trimulato, -

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

Published : 118 Documents Claim Missing Document

Claim Missing Document

Articles

1 2 3 4 5

OPTIMALISASI PERAN PEMBIAYAAN PRODUKTIF BANK SYARIAH BAGI UMKM DI INDONESIA Trimulato, Trimulato; K., Amiruddin; Ismawati, Ismawati; Nuraeni, Nuraeni
Iqtishodia: Jurnal Ekonomi Syariah Vol 5 No 1 (2020): Maret
Publisher : Department of Islamic Economic Law, Institut Agama Islam (IAI) Al-Qolam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v5i1.263

Productive financing are very important in Indonesia, considering that in Indonesia there are around 52 million MSMEs . This study aims to determine the development and optimization of productive financing products in Islamic Banks towards MSMEs.This research is qualitative by using documentation techniques in data collection. Data analysis was performed using qualitative procedures. The results of this study found that the optimization of productive financing of Islamic Banks for MSMEs is still not optimal due to the financing of Islamic banks for MSMEs not being a priority and financing of Islamic banks in the consumer sector is still dominant.

Service Excellent Bagi Fintech Syariah di Tengah Kondisi Covid-19 Trimulato Trimulato; Asyraf Mustamin; Ismawati Ismawati
Jurnal Al-Mizan Vol 4 No 2 (2020)
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Ilmu Al-Qur'an (IIQ) Jakarta

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

Telah hadir financial Technologhy (fintech syariah) akses keuangan dengan memafaatkan teknologi, sesuai prinsip syariah. Fintech syariah masih terbilang baru, sehingga peluang untuk dapat berkembang masih terbuka. Adanya wabah covid-19 memberikan dampak kurang baik bagi fintech syariah khususnya fintech syariah peer to peer lending (P2P). Tujuan dari penelitian ini untuk mengetahui perkembangan fintech syariah dan untuk mengetahui pola service excellent fintech syariah di tengah wabah covid-19. Jenis penelitian ini adalah studi pustaka dengan sifat penelitian kualitatif. Teknik pengumpulan data penelitian ini menggunakan data sekunder telah ada sebelumnya, dari berbagai sumber yang dianggap sesuai tema penelitian. Teknik analisis data yang digunakan deksriptif kualitatif, menggambarkan hasil analisis dari data diperoleh terkait perkembangan fintech syariah dan service excellen untuk fintech syariah. Hasil penelitian menunjukkan bahwa asset fintech syariah jenis fintech lending syariah pada periode april sebesar 50,591,727,786, atau mengalami penurunan sebesar 0,05 persen. Jumlah pelaku fintech syariah (P2P) sebanyak 12 perusahaan. Bentuk service excellent yang dilakukan fintech syariah di tengah wabah covid-19 yaitu meningkatakan penawaran menarik dan promo-promo yang dapat meningkatkan investor atau pihak pendana. Kemudian memperkuat silaturahim, memberi nasehat, serta membantu memasarkan produk-produk nasabah penerima dana. Bentuk service excellent fintech syariah di tengah wabah covid-19 berbeda dengan kondisi normal sebelum adanya virus covid-19.

OPTIMALISASI PEMBIAYAAN PADA SEKTOR PRODUKTIF MIKRO DI BANK BTPN SYARIAH Trimulato, Trimulato
Ekonomi & Bisnis Vol 19, No 2 (2020): JURNAL EKONOMI BISNIS VOL 19 NO 2 DESEMBER 2020
Publisher : Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32722/eb.v19i2.3399

Perbankan syariah memiliki peran sebagai lembaga yang menghimpun dana dari masyarakat dan menyalurkan dana dalam bentuk pembiayaan. Pangsa pasar bank syariah menembus 5 persen. Pertumbuhan dialami bank syariah. Pembiayaan kegiatan konsumtif masih menjadi dominasi di bank syariah sebesar 42,80 persen atau sebesar 123.178.000.000.000. Pembiayaan konsumtif lebih besar jika dibandingkan pembiayaan untuk modal kerja dan investasi. Bank BTPN Syariah merupakan bank syariah yang fokus hanya menyalurkan pembiayaan untuk kegiatan produktif sektor mikro. Penelitian ini bersifat kualitatif, tujuan untuk mengetahui pertumbuhan penyaluran pembiayaan di Bank BTPN Syariah serta pola pembiayaan sektor produktif mikro yang dilakukannya. Dari hasil penelitian ini menunjukkan bahwa pertumbuhan penyaluran pembiayaan di Bank BTPN Syariah pada periode Juni 207 dan Juni 2018 tumbuh sebesar 18,128 persen. Model penyaluran pembiayaan yang diberikan bank BTPN Syariah hanya untuk kegiatan produktif mikro. Pembiayaan itu disebut Paket Masa Depan (PMD), hanya diperuntuhkan untuk kalangan peremuan prasejahterah, serta tidak memberikan kewajiban untuk penyertaan jaminan.

ANALISIS POTENSI PRODUK MUSYARAKAH TERHADAP PEMBIAYAAN SEKTOR RIIL UMKM Trimulato, Trimulato
Jurnal Ekonomi & Studi Pembangunan Vol 18, No 1: April 2017
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jesp.18.1.3830

Shariah banking in Indonesia is growing to continued, seen from the account of customers continues to grow. By 2016 the market share of shariah banking has reached 5 percent translucent. The presence of Act Number 21, 2008 concerning shariah banking strengthens presence in shariah. In terms of financing in shariah banking still dominated by the financing by buying and selling is not for the profit sharing. Contributions of Musyarakah financing achieve 105,112,000,000,000 or by 62.29% of the total financing. While the financing agreement for the results of the identity of shariah banking only contributed 34.44% or Rp 58,123,000,000,000. This paper uses a descriptive qualitative. Limitations in this paper is focused on products with contract Musharakah financing in shariah banking and real sector SMEs. This paper uses literature study from various sources. The results of this paper that the potential development of financing products with musyarkah contract in shariah banking is still very large. Growth in the use Musyarakah decreased in 2016 which grew only 13.79%. While credit growth to SMEs is still low does not exceed 20%. It is seen that the account of SMEs continues to grow, then the portion of Musharakah financing products are still small. This indicates that the product Musharakah financing in shariah banking are very suited to the conditions and character of SMEs.

OPTIMALISASI PEMBIAYAAN PADA SEKTOR PRODUKTIF MIKRO DI BANK BTPN SYARIAH Trimulato, Trimulato
Ekonomi & Bisnis Vol 19 No 2 (2020): JURNAL EKONOMI BISNIS VOL 19 NO 2 DESEMBER 2020
Publisher : Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32722/eb.v19i2.3399

The Role Sharia Fintech Support Sustanaible Development Goals Program (SDGs) Trimulato Trimulato; M. Cholil Nafis; Euis Amalia
Jurnal Ilmiah Ekonomi Islam Vol 8, No 1 (2022): JIEI : Vol. 8, No. 1, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i1.3911

Abstract Islamic finance products are increasingly varied, including the presence of shariah fintech. The development of sharia fintech has a role in supporting the Sustainable Development Goals (SDGs. This study aims to determine the development of sharia fintech, and to determine the role sharia fintech in supporting the SDGs program. This type of research is literature study with the nature of the research is qualitative. This study uses descriptive qualitative data analysis techniques. The results of this study indicate the development sharia fintech assets in December 2020 amounting to 74,677,072,107, growing to reach 47.53 percent, with the number of sharia fintech lending actors 10. Types of sharia fintech are peer to peer landing (P2P), payment instruments, and crowdfunding. Sharia fintech has a role in supporting the SGDS program on several objectives, especially related to the economy, such as decent work and economic growth, poverty reduction, hunger reduction, and the realization of prosperity.

Konsep Etika Bisnis Islami dalam Kitab Sahih Bukhari dan Muslim Andi Zulfikar Darussalam; A. Darussalam Tajang; A. Syathir Sofyan; Trimulato Trimulato
Jurnal Ilmiah Ekonomi Islam Vol 6, No 2 (2020): JIEI, Vol.06, No. 02 Juli 2020
Publisher : ITB AAS INDONESIA Surakarta

This article verifies that hadith of Prophet Muhammad SAW. do not limit someone’s wealth amount (results) from a business activity, but limit how method (process) to acquire (result) of a business activity. It indicates that in business activity, hadis of Prophet Muhammad SAW. put more emphasis in importance of process (business ethics) compared to result, in order that there is none who would do evil deed or there is none who would suffers evil deed. This article shows that process of a business activity shall be based on business ethics. Business ethics are gathered from guideline from the Prophet Muhammad SAW. emphasized on two important things; firstly, conducting business activity with reasonable business behavior, secondly, avoiding disgraced business behavior. The business ethics have been practiced by Prophet Muhammad SAW. in conducting business activities before his appointment as Prophet. The main source of this study is texts (the Prophet’s utterance) that contained in (hadis books) Sahih al-Bukhari and Sahih Muslim. Beside of that, in order to make more deeper comprehension on those texts, supporting sources are used such as syarah al-hadith book and fiqh books. In order to read those texts are taken thematically (maudu’iy) and also to be enriched by theories and methodologies from other disciplines such as history.

The Role Of Sharia Banking To Recover SMEs During Covid-19 Pandemic Trimulato Trimulato
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v9i1.3851

Abstrak Tujuan penelitian untuk mengetahui perkembangan pembiayaan perbankan syariah bagi UMKM ditengah Covid-19 dan peran perbankan syariah dalam memulihkan UMKM selama pandemic. Jenis penelitian studi pustaka, menggunakan data sekunder, kemudian diolah oleh peneliti. Teknik analisis data yang digunakan dalam penelitian ini adalah deskriptif kualitatif, mendeskripsikan perkembangan pembiayaan perbankan syariah serta peran perbankan syariah bagi pemulihan UMKM di tengah wabah Covid-19. Hasil penelitian menunjukkan perkembangan pembiayaan di perbankan syariah yang disalurkan untuk UMKM selama pandemi Covid-19 mengalami penurunan. Penurunan pembiayaan terbesar terjadi pada pembiayaan BPRS untuk UMKM yang mengalami penurunan sebesar 14,88 persen, pembiayaan BUS untuk UMKM mengalami penurunan sebesar 14,17 persen, dan pembiayaan UUS mengalami penurunan sebesar 13,47 persen. Peran perbankan syariah bagi pemulihan UMKM di tengah pandemi covid-19 adalah meningkatkan porsi pembiayaan UMKM, mendampingi mereka para pelaku sebagai mitra, perbankan syariah dapat memberikan keringanan pembayaran, meningkatkan jumlah pembiayaan skema bagi hasil yang lebih tepat untuk pembiayaan UMKM. Abstract The purpose study to determine development sharia banking financing for SMEs during covid-19 pandemic. Then to find role sharia banking recover SMEs during covid-19 pandemic. Type research used library research, data source used secondary data, which has published institutions processed researchers and from various pre-existing sources. Data analysis technique used research descriptive qualitative, describing development financing sharia banking and role of sharia banking for recovery SMEs during covid-19 pandemic. Results showed development of financing in sharia banking was distributed SMEs during covid-19 pandemic experienced decrease amount of financing. Largest decline in financing occurred in BPRS financing for SMEs, which experienced decline of 14.88 percent, BUS financing investment SMEs decrease 14.17 percent, and UUS financing decrease 13.47 percent. Role sharia banking recovery SMEs during covid-19 pandemic is increasing portion financing SMEs, assisting them players as partners, sharia banking can provide payment, increasing number financing profit-sharing schemes more appropriate for financing SMEs.

Potensi Pengembangan Produk Pembiayaan Natural Uncertainty Contract (NUC) Di Bank Syariah Terhadap Sektor Ril UMKM Trimulato Trimulato
AL-FALAH : Journal of Islamic Economics Vol 1, No 1 (2016)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jie.v1i1.59

The data suggests that the financing agreement for the results did not become dominant. The contribution of financing in sharia’ah banks with murabahah sale and purchase agreement of 63.868 percent. Islamic economics can not be separated from the real sector, especially SMEs, its existence requires the support of other parties, including shari’ah banks. Financing products with mudharabah it is appropriate to sustain the business capital of SMEs. Based on data that the growth of SMEs in 2013 of 56,534,591 into 57,895,721 or grow around 2.408 percent. It takes a good response for shari’ah banks to provide financing for SMEs. This paper uses a descriptive qualitative. The paper is focused on products with the financing agreement Uncertanty Natural Contract (NUC) at the shari’ah bank and real sector SMEs. The research uses literature study from various sources. The results descrobes that the potential development of financing products with NUC contract in shari’ah bank is still very large. It is seen that the number of SMEs continues to grow, then the portion of financing products are still small. This indicates that the loan product NUC financing in shari’ah banks are very suited to the conditions and character of SMEs. Potential financing agreement NUC product development in Islamic banks are still very large and very spacious. Keywords : Potential, Shari’ah Banking, Natural Uncertanty Contract (NUC),Real Sector and SMEs.

Fintech for Sharia Micro Finance Institution: Qualitative Analysis toward Utilization of Financial Technology in BPRS and BMT Trimulato Trimulato
AL-FALAH : Journal of Islamic Economics Vol 4, No 2 (2019)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v4i2.917

Purpose:The articles aims to highlight the pattern of existing financial technology utilized by BPRS and BMT. Besides studying the pattern of Fintech, the article also effors to describe the growth of sharia micro financials--BPRS and BMT, as a main product of applied-FintechDesign/Methodology/Approach: Qualitative used consistenly as approach. To support that approach, analitical interpretation used to understand data.Findings: The results of this paper indicate that BPRS experienced good growth. Third Party Funds grew by 19.144% and financing grew by 14.862%, while the number of offices decreased by 0.222%. The BMT experienced 72.418 percent of receivables growth, 52.885 percent financing, and assets and placements grew below 40 percent. The pattern of financial technologhy (fintech) is very good for the development of sharia micro financial institutions such as BMT and BPRS. All existing fintech forms can be applied, such as crowfunding, peer to peer, payment and BMT and BPRS can serve as an intermediary for people who want to invest in sharia-compliant instruments/bussiness.Originality/Value: A set of novelty that can be stated from the article is that the study succesfully indentifacated in which the Fintech can be applied extensively in large typical financialmacro and micro financial industries.

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

Title

Found 118 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 118 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 118 Documents
Search