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All Journal Dinar: Jurnal Ekonomi dan Keuangan Islam Jurnal Ilmiah Ekonomi Islam Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Islamic Review : Jurnal Riset dan Kajian Keislaman Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Tasharruf: Journal Economics and Business of Islam Al-Azhar Journal of Islamic Economics AL-ARBAH: Journal of Islamic Finance and Banking Journal of Islamic Economics and Philanthropy AL-FALAH : Journal of Islamic Economics Al-Buhuts (e-journal) Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan Kunuz: Journal of Islamic Banking and Finance Journal of Indonesian Sharia Economics Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Hikmayo: Jurnal Pengabdian Masyarakat Journal of Aswaja and Islamic Economics Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman
Trimulato Trimulato
Universitas Islam Negeri Alauddin Makassar
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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Sustainable Development Goals (SDGs) Melalui Pembiayaan Produktif UMKM di Bank Syariah Trimulato Trimulato; Nur Syamsu; Mega Octaviany
Islamic Review: Jurnal Riset dan Kajian Keislaman Vol 10 No 1 (2021): April 2021
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM) IPMAFA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/islamicreview.v10i1.269

Abstract

Hadirnya undang-undang nomor 21 tahun 2008 mengantarkan bank syariah menjadi lebih berkembang, dan diterima kalangan luas. Saat ini pangsa pasar bank syariah telah menembus angka 5,8 persen. Bank syariah memiliki produk pembiayaan untuk perkembangan usaha kecil mikro dan menengah. Penyaluran pembiayaan di bank syariah masih didominasi pembiayaan konsumtif yaitu sebesar 42,80 persen. Penelitian ini bersifat kualitatif yang menguraikan tentang perkembangan pembiayaan produktif bank syariah untuk UMKM dan peran pembiayaan untuk mencapai sustainable development goals (SDGs). Adapun hasil dari penelitian ini menunjukkan adanya penurunan pada pembiayaan produktif modal kerja sebesar 0,75 persen. Kemudian porsi pembiayaan untuk UMKM masih didominasi oleh konsumtif yaitu sebesar 69,14 persen atau sebesar 139.408.000.000. Penyaluran pembiayaan produktif pada sektor UMKM sangat relevan dan sejalan dengan tujuan SDGs yaitu kesejahteraan dan pemerataan.
Linkage Bank Syariah dan Fintech Syariah Penyaluran Pembiayaan Berbasis Digital dan Risiko Pembiayaan Trimulato Trimulato
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.4902

Abstract

The purpose this paper is to describe development financing sharia banking, then development sharia fintech services, and form linkage between sharia banking and sharia fintech distribution digital-based financing. The method used is qualitative, with a library research approach. The source data used this paper is secondary data has existed before, then been processed. Such as data from Financial Services Authority. Data collection technique used is literature from several sources are considered relevant theme. Data analysis technique used is descriptive qualitative, which describes a particular object, in this case, describes development financing sharia banking, development sharia fintech, and forms linkage can be carried out sharia banking and sharia fintech in distributing digital-based financing. Results this study indicate financing sharia banking grew 3.41 percent. Working capital financing for non-SMEs BUS decreased -7.6 percent, and non-SMEs working capital investment financing decreased -3.02 percent. Furthermore, financing at UUS experienced largest decline in working capital SMEs, which fell 10.42 percent, and non-SMEs investment fell -7.04. Financing BPRS experienced growth working capital 2.09 percent, investment 5.96 percent, and consumption 8.69. Development sharia P2P Fintech from 2020 to September 2021, total assets of P2P Fintech grew by 20.58 percent. Fintech players experienced a decline 28.19 percent. Form linkage between sharia banking and sharia fintech distribution digital-based financing, namely partnerships with profit-sharing schemes, sharia banking can channel financing through sharia fintech. It can also use Murabaha and selling to procure assets or goods. Linkage between sharia banking and sharia fintech is encouraged to increase volume non-consumptive productive financing.
Perkembangan Industri Keuangan Non-Bank Syariah dan Inovasi Service Excellent di Tengah Pandemi Covid-19 Trimulato Trimulato
JIOSE: Journal of Indonesian Sharia Economics Vol 1 No 1 (2022): Maret 2022
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (315.838 KB) | DOI: 10.35878/jiose.v1i1.365

Abstract

The purpose of this study was to determine development Sharia non-bank financial institutions (IKNB) during the COVID-19 pandemic as well as knowing form excellent service Sharia IKNB can do to meet the needs of customers or customers. Type of research is a literature study with a qualitative research nature. The source of the data used in this research is the data from the Financial Services Authority (OJK) and other data sources. Data collection techniques are form of documentation which is then processed by researchers. Data analysis technique used is descriptive qualitative. Results this study indicate development of Sharia IKNB in ​​period from October 2020 to April 2021, Sharia Insurance assets grew 6.26 percent, Pension Fund Institutions assets grew 17.79 percent, Sharia Microfinance Institutions assets grew 2.24 percent, Sharia Fintech Institution assets grew 85.54 percent. Meanwhile, Sharia Financing Institutions experienced a decrease in assets of -7.78 percent and Sharia Pawnshops experienced a decrease in assets of -6.95 percent. Excellent service Sharia IKNB can do during COVID-19 pandemic improving digital services, following applicable regulations, increasing attention and support for customers or customers, increasing partnerships with various parties.
THE ROLE SHARIA FINTECH TO SUPPORT HALAL INDUSTRY IN INDONESIA ISMAWATI ISMAWATI; TRIMULATO TRIMULATO; MUHLIS MUHLIS; MUSDALIFAH MUSDALIFAH
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 7, No 2 (2022): Juli - Desember 2022
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (283.008 KB) | DOI: 10.15548/al-masraf.v7i2.245

Abstract

The purpose research to show growth sharia fintech, as well as analysis forms supporting sharia fintech improving halal industry in Indonesia. Research method used qualitative with literature study. Sources data used are secondary data has been presented certain institutions and then processed by researchers. Such as data from Financial Services Authority, Bank Indonesia, and other Data collection techniques used libraries from several sources are considered relevant. Data analysis technique used is descriptive qualitative. Results study indicate development sharia fintech period 2019 to 2020 sharia fintech assets 4.474,86. Sharia fintech lending players 10. Sharia fintech can support development halal industry, with easy access, including Halal SMEs. Multipayment fintech can be a means of payment for business. Sharia fintech Peer to Peer (P2P) Lending will provide access capital, as well as investment facilities. Type sharia crowdfunding fintech provides access joint funds finance halal industry so actors can be helped increase their business.
Development Sharia Investment During Covid-19 Pandemic Asyraf Mustamin; Trimulato Trimulato
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 9, No 1: Januari 2022
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v9i1.12302

Abstract

The development Islamic finance industry continues increase, with presence various Islamic financial products are increasingly varied. Islamic financial products are not only depositing funds in sharia banking but also developing investment products sharia financial institutions. Sharia investment can contribute economic recovery during Covid-19 pandemic. Determine development several sharia investment products and sharia financial institutions and to describe development sharia investment during Covid-19 pandemic. Orientation forms investment are intended for economic recovery affected pandemic. Type research used is library research qualitative method. Data source used is secondary data. Data obtained from has been presented institution, including data from Financial Services Authority (OJK), and from Directorate General Financing and Risk Management (DJPPR) Ministry Finance. Data obtained were then processed by researchers and then described. Data analysis technique used research is descriptive qualitative. Study show developments in Sharia investment products, Retail Sukuk, in 2019 experienced growth 13.15 percent, and savings Sukuk reached 8,436,570,000. For PeerToPeer (P2P) Sharia fintech institutions, assets in the April 2021 period grew 85.54 percent, and assets Islamic microfinance institutions grew 2.24 percent. Development sharia investment during Covid-19 pandemic through increased investment through digital technology. Sharia investment focuses economic recovery supports government activities. Sharia investment development Retail Sukuk (SR) and Savings Sukuk (ST), was transferred economic recovery. Maximum development sharia investment through sharia fintech for recovery sectors affected during Covid-19 pandemic. Development sharia investment through sharia financial institutions, increasing productive financing of SMEs. As well as development sharia investment based on investor profits and social needs sectors impacting Covid-19 pandemic.
Pengaruh Pengetahuan, Lokasi dan Promosi Terhadap Minat Masyarakat Menggunakan Bank Syariah Indonesia Trimulato Trimulato; Atikah Widhiana Putri; Ismawati Ismawati
Kunuz: Journal of Islamic Banking and Finance Vol 2 No 2 (2022)
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kunuz.v2i2.374

Abstract

This study aims to determine the partial and simultaneous effect of knowledge, location, promotion on public interest in using wadiah savings products at Bank Syariah Indonesia (case study in West Sinjai sub-district). This study uses quantitative methods with a statistical approach. Sources of data used in this study is primary data. Data collection techniques This study uses the method of distributing questionnaires to users of Indonesian Islamic Bank products who are domiciled in the West Sinjai sub-district. The sample in this study includes 55 users of wadiah savings products at Islamic banks in West Sinjai District. The data analysis technique used in this research is multiple linear regression analysis. The results of this study partially show that the knowledge variable has a significant effect on people's interest in using wadiah savings products with a sig value of 0.002 <0.05. Likewise, the promotion variable has a significant effect on people's interest in using wadiah savings products with a sig value of 0.000 <0.05. The location variable has no significant effect on people's interest in using wadiah savings products with a sig value of 0.663 > 0.05. Simultaneously the variables of knowledge, location, promotion have a significant effect on people's interest in using wadiah savings products with an effect of 80.3%.
THE INFLUENCE OF INTERNAL AND EXTERNAL FACTORS AS AN EXPLANATION OF CHANGES IN NON-PERFORMING FINANCING AT BANK BNI SYARIAH Sudirman Sudirman; Trimulato Trimulato; Andi Sadapotto; Yulianti Yulianti
Tasharruf: Journal Economics and Business of Islam Vol 7, No 2 (2022): DECEMBER
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v7i2.2084

Abstract

The purpose of this research is to analyze the influence of internal variables including Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Operational Costs to Operating Income (BOPO), and external variables, including Inflation and value of the exchange rate on Non-Performing Financing (NPF). The data used is secondary data obtained from financial statements from Bank BNI Syariah and Central Statistics Agency. The type of data analyzed is time series quarter period last ten years, from 2011 to 2020. The data analysis method is carried out using multiple regression with SPSS version 26. The results of this study found together the Financing to Deposit Ratio variables (FDR), Capital Adequacy Ratio (CAR), Operating Costs to Operating Income (BOPO), Inflation, and Exchange Rates have a significant effect on Non-Performing Financing (NPF). Meanwhile, the partial Financing to Deposit Ratio (FDR) variable has a negative and insignificant effect on Non-Performing Financing (NPF). Likewise, Operational Costs on Operating Income (BOPO) have a positive and insignificant effect on Non-Performing Financing (NPF). Meanwhile, Capital Adequacy Ratio (CAR) and Inflation have a positive and significant effect on Non-Performing Financing (NPF). However, the exchange rate has a negative and significant effect on Non-Performing Financing (NPF). The conclusions were tested together with variables Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Operating Costs to Operating Income (BOPO), Inflation, and Exchange rates have a significant effect on Non-Performing Financing (NPF) at Bank BNI Syariah.
The Role Sharia Non-Bank Financial Institutions To Support SDGS Program Trimulato Trimulato
AL-ARBAH: Journal of Islamic Finance and Banking Vol 4, No 1 (2022)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2022.4.1.14668

Abstract

AbstractPurpose - The purpose of this study is to describe the development of sharia IKNB and the role of Sharia IKNB to support SGDs.Method - The type of research used is qualitative with literature study. The analytical technique used is descriptive qualitative describing the development of Sharia IKNB, and the role of Sharia IKNB to support realization of the SDGs.Result - The results show the development of Sharia IKNB in the period from October 2020 to April 2021, Sharia Insurance assets grew by 6.26 percent, Pension Fund Institutions assets grew by 17.79 percent, Sharia Microfinance Institutions assets grew by 2.24 percent, Sharia Fintech Institutions assets grew by 85.54 percent. Meanwhile, Sharia Financing Institutions experienced a decrease in assets of -7.78 percent and Sharia Pawnshops experienced a decrease in assets of -6.95 percent. Certified halal products in 2021 grew by 2,531.49 percent.Implication - Sharia IKNB supports SDGs to achieve the goal of reducing hunger, sharia IKNB can support the real sector, and also has a social aspect. SDGs achieve prosperity in line with the Islamic economic function of income distribution.Originality - The research a more in-depth study of the role of Islamic finance in supporting the Sustainable Development Goals (SDGs) program. Researchers identify the role of Sharia Insurance, Sharia Financing Institutions, Pension Fund Institution, Sharia Pawnshop, Sharia Microfinance Institutions and Sharua Financial Technology. 
Research Mapping of Sharia Banking During the Covid-19 Pandemic: Vosviewer Bibliometric and Literature Review Muhammad Kharis Tambusa; Trimulato Trimulato
Journal of Islamic Economics and Philanthropy Vol. 6 No. 2 (2023): May
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/jiep.v6i2.9725

Abstract

This study’s purpose is to describe the development of research related to Islamic banks during the Covid-19 pandemic. Various published national standard studies on the theme of sharia banking during the Covid-19 pandemic. This research uses the Publish or Perish (POP) application to explore various related studies sourced from Google Scholar. The data used is for 3 years, namely the period from 2020 to 2022. The keywords used in the article search are sharia banking during the Covid-19 pandemic. From the search results, the articles obtained will be inputted into the Vosviewer application, for descriptive analysis, an analysis of the results obtained after being shown by the application is carried out. Then input was carried out in the VOSviewer application, then the results were found from research for three years with the theme of sharia banking during the Covid-19 pandemic. The results showed that from the Vosviwer application, there were 38 articles obtained from the publish or perish (PoP) application, the results of Network Visualization, Overlay Visualization, and Density Visualization. There are 8 clusters, with various items from each cluster. For the literature review, 7 research themes related to sharia Banking during the Covid-19 Pandemic were found.
PENDAYAGUNAAN ZAKAT PRODUKTIF PADA KELOMPOK LAPAK BERKAH BINAAN IZI KOTA MAKASSAR Trimulato Trimulato; Sudirman Sudirman; Ismawati Ismawati; Supriadi Supriadi; Samsul Samsul; Ismail Halim
HIKMAYO: JURNAL PENGABDIAN MASYARAKAT AMAYO Vol 2 No 2 (2023): HIKMAYO : Jurnal Pengabdian Masyarakat
Publisher : LPPM Akademi Manajemen Administrasi Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56606/hikmayo.v2i2.127

Abstract

Zakat is an obligation for every Muslim because zakat is one of the pillars of Islam. The benefits of tithing include two dimensions, namely the spiritual dimension and the social dimension. A spiritual dimension is a form of obedience in carrying out religious orders, while the social dimension is the implementation of a caring attitude among fellow Muslims. Zakat is very useful to ease the economic burden of the poor. The distribution of zakat is not only to meet the needs of daily life but can also be distributed in the form of working capital assistance so that zakat funds can be productive. Management of zakat funds will be productive if it can be managed professionally. Therefore, to realize this goal, we, from the Department of Sharia banking, Faculty of Economics and Islamic Business, State Islamic University, Makassar, are moved to carry out community service activities that are packaged in the form of empowerment activities and business management assistance. The method used in community service activities with the theme of Empowerment of Productive Zakat as an effort to strengthen the economy of the community who are members of the Blessings group under the guidance of the Indonesian Zakat Initiative in Makassar. Stages of activity, first conducted observations to obtain initial information related to the condition of the target group. The next stage is to draw up a plan for empowerment and mentoring activities. Next, conduct education through lecture methods, discussions, and consultations related to business management. Speakers describe business management and market-building strategies. The next stage is to assist by conducting regular consultation visits every month. The results of these activities can help provide solutions to various problems in business management, both in terms of financial management and marketing aspects.
Co-Authors Anak Agung Istri Sri Wiadnyani Andi Sadapotto Asyraf Mustamin Asyraf Mustamin Atikah Widhiana Putri Euis Amalia Farid Fajrin Hargiani, Fransisca Xaveria Hasbiullah Hasbiullah Iryani Iryani Ismail Halim Ismawati Ismawati Kamaruddin Kamaruddin Kamaruddin M. Cholil Nafis Mega Oktaviany Muhammad Kharis Tambusa Muhlis Masin Muhlis Muhlis Nasrullah Bin Sapa Nursyamsu Nursyamsu Rizki Rahim Samsul Samsul St Hafsah Umar Sudirman Sudirman Trisno Wardy Putra yulianti yulianti