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UIN Alauddin Makassar

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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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Penguatan Peran Ekonomi Islam Melalui Optimalisasi Pembiayaan pada Sektor Riil UMKM Trimulato Trimulato; Ismawati Ismawati; Amiruddin K; Nuraeni Nuraeni
JES (Jurnal Ekonomi Syariah) Vol 5, No 2 (2020): September
Publisher : Universitas Islam Lamongan

Islamic economic in Indonesia continues to experience very rapid growth, seen by the increasing number of institutions operating in sharia principles, in addition to the growing and developing businesses with sharia principles. The development of the Islamic economy is inseparable from the role of various parties who continue to try to socialize the Islamic economy to society. The government seems to be very serious in supporting the development of the Islamic economy in Indonesia. It looks at the Islamic financial market share that has not enough 10 percent, so it requires more efforts for its development. It needs to determine the direction and focus on particular segments to develop so they can compete globally. The right segment chosen for the Islamic economy is the development of SMEs, given that it grows and develops in Indonesia. This study aims to find out the development of SMEs and map the strengthening of the Islamic economy through financing for SMEs. The type of research is library research and is qualitative. Data collection techniques used are through retrieval data has been there before. The data analysis technique used is descriptive qualitative, related to the development SMEs and Islamic economic institutions. Results showed that development in 2018 SMEs experienced growth, medium-sized businesses grew by 3.54 percent, and small businesses grew by 3.44 percent, while the largest portion of SMEs was microbusinesses, which amounted to 98.7 percent. Distribution financing sharia banking is still dominated by consumer consumption rather than productive. Islamic economic institutions are experiencing growth, so they can be directed to develop SMEs. Strengthening it can be done by selecting certain segments that are the focus is SMEs. The concept of profit-sharing inherent in Islamic economic transactions is very relevant to the development of SMEs. Keywords: Islamic economic; financing; SMEs

PENTINGNYA PENERAPAN CALESTIAL MANAGEMENT BAGI SUMBER DAYA MANUSIA DI BANK PEMBIAYAAN RAKYAT SYARIAH Trimulato Trimulato
al-Uqud : Journal of Islamic Economics Vol. 1 No. 2 (2017): July
Publisher : Universitas Negeri Surabaya

Shari'ah Banking now has a strong legal law with the presence of the law number 21 of 2008 on banking Shari'ah. It is very influential the existence and sought by many. Development of shariah banking must be matched with adequate resources and qualified. Labor in BPR shariah continued to increase, from December 2014 to December 2015 grew to 7.525%. Not only the quantity but the quality should also be considered, it takes a celestial concept should be applied for the Management of human resources in shariah banking. Paper uses a descriptive qualitative, necessary to apply celestial management for human resources in BPR shariah. The results of paper the human resources in BPR shariah growth, then the need for the application of celestial management for human resources in Islamic banks to create good quality. The shariah banking is an institution whose business inseparable from the rule of religion or spiritual aspect.

URGENSI PENERAPAN CALESTIAL MANAGEMENT BAGI PENINGKATAN KUALITAS SDM PADA IKNB SYARIAH Trimulato Trimulato
Ekonomi Islam Vol. 7 No. 2 (2016)
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (459.978 KB)

Non-bank Islamic financial industry (IKNB Sharia) in Indonesia continues to increase very good. Visible IKNB growth seen in the number of Islamic sharia IKNB assets in 2010, 9333 billion rupiah in the year rose to 46 895 billion rupiah. With an average growth rate of 62.29%. Thus the development of sharia IKNB must be balanced with sufficient resources and qualified. OJK has made efforts in improving the quality of human resources in Islamic IKNB with two major strategies. This research uses descriptive qualitative limitations in this paper focused on the OJK in improving the human resources that exist IKNB Shari'ah. The need for the application of celestial management for human resources in IKNB sharia. The results of this paper that the OJK has set two strategies in an effort to improve the quality of human resources in IKNB sharia. Then the need for the application of celestial management for human resources in IKNB sharia to create good quality. Because IKNB sharia is a business institution that is inseparable from the rule of religion or spiritual aspect. Thus requiring an appropriate concept in improving the quality of its human resources.

Manajemen Risiko Berbasis Syariah Trimulato Trimulato
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol. 1 No. 1 (2017): Juni
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

This paper is descriptive qualitative, which describes risk management, and risk management in Islam, and risk management in shariah banking. The results of this paper indicate that risk management has a variety of processes, namely, the identification, evaluation and measurement, and management of risk. Risk management has been in line with Islam and different maysir. As well as risk management in Islamic banks have been set by the Indonesian bank in order to maintain the existence and improve the quality of shariah banking.

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

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.

Sharia Bank Product Development through Mudhrabah Investment Trimulato Trimulato
Shirkah: Journal of Economics and Business Vol. 1 No. 3 (2016)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Sharia banking now has a strong legal framework with the presence of law number 21 of 2008 on sharia banking in Indonesia. This regulation enforces sharia banking to develop products to achieve the targeted market share of 5%. In third-party fund products, more innovation is needed to attract people to entrust their funds in sharia banks. The visible data of mudharabah fund raising deposit products in March 2013 amounted to Rp100.746.000.000 and Rp115.728.000.000 in mudharabah deposits was visible on April 2014, which is an increase of less than 2% each month. This research uses a qualitative descriptive methodology, and is focused on fund raising products in shari'ah banking, particularly in the form of mudharabah investments for a definitive result. The results show that sharia banking requires innovative fund raising for third-party products, such as mudharabah investment products. These investments provide certainty of results despite using mudharabah and are based on the certainty that projector financing has been agreed by the sharia with the creditor banks. This investment product can be offered to both individuals and groups/collectives.Keywords: sharia banking, investment, mudharabah

Pengembangan Produk Sukuk Negara Khusus Pemulihan Sektor UMKM di Tengah Wabah Covid-19 Trimulato
Jurnal Pustaka Aktiva (Pusat Akses Kajian Akuntansi, Manajemen, Investasi, dan Valuta) Vol 1 No 1 (2021): Jurnal Pustaka Aktiva (Pusat Akses Kajian Akuntansi, Manajemen, Investasi, dan Va
Publisher : Pustaka Galeri Mandiri

Produk investasi syariah yang terus berkembang yaitu produk sukuk negara. Investor dapat memperoleh keuntungan imbal hasil dan juga berkontribusi bagi pembangunan negara. Kemunculan wabah covid-19 yang berpengaruh terhadap sektor riil khususnya bagi pelaku UMKM, maka perlu ada peran dari keuangan syariah untuk proses pemulihan. Inovasi produk sukuk negara perlu dikembangkan, jika sebelumnya produk sukuk negara banyak dialokasikan untuk pembangunan infrastruktur, maka di tengah kondisi saat ini, perlu ada alokasi untuk pemulihan UMKM. Tujuan dari penelitian ini untuk mengetahui perkembangan sukuk negara serta untuk mengetahui bentuk pengembangan produk sukuk negara untuk pemulihan UMKM di masa pandemic Covid-19. Jenis penelitian ini adalah kualitatif, yang menguraikan tentang sukuk negara dan sektor UMKM. Sumber data yang digunakan adalah data sekunder diantaranya dari lembaga Direktorat Jendral Pengelolaan Pembiayaan dan Risiko (DJPPR) Kementrian Keuangan. Teknik analisis data yang digunakan deskriptif kualitatif, yaitu menguraikan perkembangan sukuk negara pada perioede 2019 sampai dengan 2020, serta bentuk inovasi produk sukuk negara khusus pemulihan UMKM di tengah wabah covid-19. Hasil penelitian ini menunjukkan adanya perkembangan pada sukuk negara pada periode 2019 sampai 2020, Sukuk PBS Lelang, Sukuk PBS Private Placement, SNI, SPN-S, Sukuk Rite (SR), dan Sukuk Tabungan (ST) tumbuh sebesar 40,80 persen. Sukuk PBS lelang tumbuh sebesar 39,59, Sukuk PBS Private Placement tumbuh sebesar 214,39%, SR tumbuh sebesar, 72,93%, Sukuk SNI sebesar 26,86 persen. Sedangkan Sukuk SNI mengalami penurunan sebesar -30,01 % dan ST turun sebesar -35,76 persen. Skema yang dapat dijalankan dalam pemulihan UMKM akibat dampak pandemic yaitu dengan pemberian modal usaha, skema bagi hasil, skema pendampingan usaha, dan maksimalisasi jenis sukuk Wakaf yang disalurkan untuk sektor produktif.

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

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.

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

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v6i2.5230

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.

The Empowerment For Women's Economic With Productive Financing at Bank BTPN Syariah Trimulato; Andi Zulfikar Darussalam; Syarifuddin; Sri Wahyuni
Jurnal Ilmu Ekonomi dan Bisnis Islam Vol 3 No 1 (2021)
Publisher : Program Studi Ekonomi Syariah, FEBI UIN Datokarama Palu

The aim of this study is to find out the financing patterns provided by bank BTPN Syariah to special customers of pre-poor women in improving their micro-businesses. And to find out the increase in the growth of financing channeled by bank BTPN Syariah. The type of research in this paper uses literature research, taking data that has been presented from available sources. Then the author processes from the existing data sources. Sources of research data in research that are relevant to the theme and formulation of the problem presented. This research is qualitative descriptive. The results of this study indicate that the development of financing at bank BTPN syariah experienced growth in the period June 2017 to June 2018 which grew by 18.128 percent. Bank BTPN syariah provides special microfinance for underprivileged women who have a business, this financing program is called the Future Package (PMD). The financing special for women, customers are not charged with collateral, customers always receive entrepreneurial guidance on a regular basis, customers have the opportunity to save at Bank BTPN Syariah, and customers can take advantage of mobile phone technolgy facilities with Wow IB bank BTPN Syariah program. The results of this study indicate that the bank BTPN Syariah has carried out a financing program specifically provided for pre-prosperous women, in a plan to fix their family's economy. Pre-prosperous women's special financing at Bank BTPN Syariah has been enjoyed by its customers. With Islamic financing, customers can obtain business capital from one million to four million to develop their business. Pre-prosperous women's special financing is a financing product that is only owned by Bank BTPN Syariah. Even financing products at Bank BTPN are devoted to PMD productive financing and do not serve consumptive financing. So the funds of depositors can be channeled directly to productive economic activities.

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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