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UIN Alauddin Makassar

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The Optimization of Sharia Financial Institutions as Agent of Sale for Sukuk Product Trimulato, Trimulato; Ismawati, Ismawati
Islamic Economics, Finance, and Banking Review Vol. 1 No. 1 (2021): June
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/iefbr.v1i1.4745

The purpose of this study is to determine the development of state Sukuk, and efforts to optimize sharia financial institutions as distribution agents for the sale of state Sukuk products. Type of research used is qualitative research, the data source used is secondary data. Data collection is used through data collection from Financial Services Authority (OJK). The data analysis technique used in this research is descriptive qualitative. Results showed development state Sukuk in 2019 had succeeded in reaching 100 percent of the planned, namely 258.275 trillion. The issuance of SBSN type of Sukuk Ritel (SR) growth in 2019 has increased by 46,07 percent. Marketing of Sukuk products through sharia financial institutions, to convince the public that the Sukuk products are sharia products that can be obtained by sharia financial institutions. Product marketing through sharia financial institutions will also further introduce the existence of sharia financial institutions and can improve services to the public.

Pemberdayaan Ekonomi Lokal Mustahiq Berbasis Filantropi Islam Melalui Zakat Pada Lembaga Amil Zakat di Indonesia Syarifuddin, Syarifuddin; Trimulato, Trimulato
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 8 No 2 (2024)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/jihbiz.v8i2.4405

The purpose of research on how to empower local economies based on Islamic philanthropy through zakat at amil zakat institutions in Indonesia. The research findings show that the empowerment of the mustahiq local economy based on Islamic philanthropy through zakat amounted to Rp 3.52 trillion or 30.59% of the total distribution and its absorption capacity of 92.77% is said to be very effective in empowering the local economy of mustahiq in Indonesia. Then some local economic empowerment mustahiq based on Islamic philanthropy through zakat, namely Fair Wealth Distribution, Increasing Access and Welfare, Economic Infrastructure Development, Entrepreneurship Empowerment. Then social solidarity, shared responsibility, and economic benefits. The program contributes to the development of a more just, sustainable, and inclusive society. By managing zakat funds wisely, running programs transparently, and involving active community participation, Local economic empowerment of mustahiq through zakat can help overcome economic and social disparities and improve the welfare of Muslims as a whole.

Eksistensi Perbankan Syariah Melalui Dominasi Pembiayaan Profit And Loss Sharing Trimulato Trimulato
JPS (Jurnal Perbankan Syariah) Vol 2 No 1 (2021): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v2i1.287

The beginning of the presence of the first Islamic bank in Indonesia was known as a bank with a profit and loss sharing concept. But in reality, profit and loss sharing financing is no longer dominant in Islamic banks, because non-profit sharing financing is more dominant, especially financing with the buying and selling model. The purpose of this research is to determine the development of financing in Islamic banks, as well as to determine the need to dominate profit-sharing financing in Islamic banks. This research is a qualitative descriptive which shows the development of Islamic bank financing products and the need to restore the concept of profit and loss sharing to be dominant in Islamic banks. The results of this study indicate that the growth of period financing is quite good. Then there are three reasons for the need to dominate profit and loss sharing financing in Islamic banks, namely restoring the identity of the Islamic bank as a profit-sharing bank, being the main differentiator between conventional and Islamic banks, and the opportunity to grow the real sector with greater income.

The Influence Of Leadership And Motivation On Employee Performance Moderated By Work Environment Muhammad Anshar Jafar; Trimulato Trimulato; Ilham Gani
JPS (Jurnal Perbankan Syariah) Vol 4 No 1 (2023): JPS (Jurnal Perbankan Syariah) - April
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v4i1.1025

The study aims to show the effect of leadership and motivation on employee performance with the work environment as a moderating variable at the Niaga Madani Sharia Rural Bank (SRB) Makassar. The type of research used is quantitative with an associative approach and uses primary and secondary data. This study used a saturated sample of 52 respondents. The data analysis technique used moderated regression analysis (MRA), but before that, it was tested for validity, reliability, and classical assumptions with SPSS 26 software tools. The results showed that leadership significantly positively affected employee performance. Motivation does not affect employee performance. Work environment significantly positively affected employee performance. Leadership and motivation simultaneously influence employee performance. The work environment can significantly moderate the influence of leadership on employee performance. The work environment cannot moderate the effect of motivation on employee performance. This research can complement existing theory and be a reference for SRB in improving employee performance, especially in leadership.

The Role of Islamic Banking in Supporting Women's Economic Empowerment Trimulato, Trimulato; Syarifuddin, Syarifuddin
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 6 No. 2 (2024)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2024.6.2.23563

AbstractPurpose -. This study describes the development of productive and consumptive Islamic bank financing. As well as explaining the role of Islamic banks in supporting women's economic empowerment.Method - This type of research is a literature study using qualitative. The data source in this research is secondary data that certain institutions have presented. The data collection technique used in this research is literature from various sources relevant to the research theme. Both from journals, books, and other library sources. The data analysis technique used in this research is descriptive qualitative, which shows the development of Islamic bank financing, as well as the form of empowerment that can be done by Islamic banks in supporting the women's economy.Result- The results of this study show that Islamic bank financing grew by 3.41 percent and that the portion of Islamic bank financing is still dominated by consumptive financing, not productive. Islamic banks need to increase productive financing, especially for women's economic empowerment. Islamic banks have a role in increasing women's productive financing with their profit-sharing system, as well as their social funds, and can collaborate with various parties.Implication - This study uses data from Islamic banks in Indonesia. The Financing for Consumptive and Productive Product. Financing for women's economic especially in one Islamic Bank. Originality- The paper looks financing distribution in Indonesia. Product Financing in Islamic Bank. Islamic banks need to be encouraged to activities that support the real sector.Keywords: Islamic Banking, Supporting, and Women’s Economic

Analysis Produk Keuangan Syariah Sukuk Trimulato, Trimulato
Kunuz: Journal of Islamic Banking and Finance Vol 1 No 2 (2021)
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

The development of the financial industry continues increase people are increasingly interested in using Islamic financial products. The products offered are increasingly varied to meet the needs of the community. In addition to providing benefits, Islamic financial products can contribute widely to the development of the country, in this case, the Sukuk product. Legally, Sukuk or Islamic bonds, get the law first, when compared to Islamic banks. Sukuk has law number 19 of 2008 concerning State Sharia Securities (SBSN). The Sukuk instrument continues to grow and can provide benefits for investors and benefits for the country's development. The purpose of this study is to determine the development of state Sukuk products, and analysis of Islamic financial products. The method used is qualitative, with a literature study approach. The data sources used are secondary data, data that has been presented by certain institutions and then processed, and from other sources deemed relevant to the theme. The data collection technique used is literature study from several sources, both from books, journals, and others. The analytical technique used is descriptive qualitative, describes the development of Sukuk products in 2020 to 2021, and describes the analysis of the Sukuk ijarah products. The results of this study indicate that there are developments in state Sukuk in the 2019 to 2020 period, PBS Auction Sukuk, PBS Private Placement Sukuk, SNI, SPN-S, Rite Sukuk (SR), and Savings Sukuk (ST) grew by 40.80 percent. Auction PBS Sukuk grew by 39.59, PBS Private Placement Sukuk grew by 214.39%, SR grew by 72.93%, SNI Sukuk by 26.86 percent. Meanwhile, SNI Sukuk decreased by -30.01% and ST decreased by -35.76 percent. Analysis of Islamic sharia financial products, especially with the ijarah scheme. There is a sale and purchase transaction is considered engineered, then the resale of assets from the investor to the issuer such as a sale and purchase transaction is prohibited. Buying and selling of Sukuk assets which are then leased back and have a time limit and conditions on the object of sale and purchase, making the seller not have control over the asset. Then the sale and purchase can become a sale and purchase without the obligation to resell the product that has been purchased if the owner of the goods can return the money for the goods he sells.

Implementation of Murabaha Contracts in Implant Financing at Bank Mandiri Syariah Subbranch Sengkang Awaliyah, Dien Putri; Trimulato, Trimulato; Nuringsih, Nuringsih; Lismawati, Lismawati; Agussalim, Agussalim
Kunuz: Journal of Islamic Banking and Finance Vol 4 No 1 (2024)
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.v4i1.987

This study aims to determine the application of Murabahah contracts in implant financing at Bank Syariah Mandiri Sub-branch Sengkang and the customer's perspective on implementing the contract. The benefit of this research is that it can add insight and knowledge in the field of Sharia banking and can be used as a scientific contribution and increase knowledge, especially for banks, it can be used as a reference in improving management performance and improving the quality and quality of service to the community. This research uses qualitative methods. with an approach through interviews, observation, and documentation to parties related to Bank Syariah Mandiri Sub-branch Sengkang. The analysis technique used in this study is descriptive analysis, a way to process data into information so that the characteristics of the data can be understood and useful for solving problems and describing the situation or event of a problem to be solved. The results of this study are the application of a Murabahah contract, namely using Bank Syariah Mandiri Sub-branch Sengkang entering a Murabahah agreement with the customer, and at the same time delegating (wakalah contract) to the customer to buy the goods needed by reporting the purchase receipt to the bank.

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.

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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