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Journal : Al-Muzara'ah

Analisis Pengaruh Kinerja BPRS dan Kondisi Makroekonomi terhadap Penyaluran Pembiayaan Modal Kerja dan Investasi BPRS di Indonesia (Periode: 2011-2015) Arno Nugroho; Muhammad Findi Alexandi; . Widyastutik
AL-MUZARA'AH Vol. 5 No. 2 (2017): AL-MUZARA'AH (December 2017)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (508.531 KB) | DOI: 10.29244/jam.5.2.146-167

Abstract

Sharia banking operational activities to encourage the real sector is to provide financing. The Islamic Rural Bank (IRB) conducts financing for working capital and investment as it can increase economic growth in Indonesia. The purpose of this study is to analyze and compare the effect of performance IRB and macroeconomic conditions on the distribution of IRB working capital and investment financing in Indonesia from 2011 to 2015 using Vector Error Correction Model (VECM) research method with monthly data from 2011 to 2015. From the results of VECM estimates, it will be seen the response of working capital and investment financing to shocks arising from the performance IRB and macroeconomic conditions and also the contribution of each of each variable used in the study. The results of this study indicate that the effect of performance IRB and macroeconomic conditions on the working capital financing of IRB in Indonesia, have positive and significant effect on DPK, FDR, ERDPK, inflation and IPI variables have negative and significant effect on ROA, NPF, BOPO, and BI rate, and no significant effect on CAR and ERP variables. The financing of BPRS investment in Indonesia, which has positive and significant effect on the DPK, CAR, ROA, FDR, BI rate, and IPI variables, has a negative and significant effect on NPF, BOPO, ERP, ERDPK, and inflation variables.
Faktor-Faktor yang Memengaruhi Pemilihan Pinjaman dengan Sistem Rente di Desa Studi Kasus : Desa Panulisan Timur Kecamatan Dayeuhulur Kabupaten Cilacap (Periode Tahun 2013-2014) Prawito Hudoro; Muhammad Findi A; Salahuddin El Ayyubi
AL-MUZARA'AH Vol. 2 No. 2 (2014): AL-MUZARA'AH (December 2014)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (495.809 KB) | DOI: 10.29244/jam.2.2.195-217

Abstract

Rente loan system is a loan scheme that is based on interest. This loan system is widely used by the Micro and Small Medium Enterprises (SME) notably in particular rural communities. The purpose of this study is to analyze the development process and system received rents in the Panulisan Timur District of Dayeuhluhur Regency of Cilacap, and analyze the factors that affect the selection of loan seeking system. The method used in this study is a qualitative method with a case study approach. The data used is primary data obtained through observation and interviews to the villagers of the Panulisan Timur District of Dayeuhluhur Regency of Cilacap uses rente system. The study was conducted during the period December 2013 to April 2014. Number of key informants in this study were 5 people and the number of respondents 30 people. The results showed that the loan scheme growing rents in the Panulisan Timur District of Dayeuhluhur Regency of Cilacap consists of the active and passive processes. The existence of internal factors such as the need for cash is urgent and external factors in the form of an easy loan terms, the availability of funds every day, disbursement fast and easy access makes the transaction rents to survive and be accepted by society. 
Ekonomi Politik Kebijakan Pemerintah Kabupaten Cirebon dalam Peningkatan Sektor-Sektor Ekonomi Unggulan di Kabupaten Cirebon Ayu sri Utami Hendriani; Muhammad Findi Alexandi
AL-MUZARA'AH Vol. 1 No. 1 (2013): AL-MUZARA'AH (June 2013)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (406.809 KB) | DOI: 10.29244/jam.1.1.68-82

Abstract

Economic growth is one of the main indicators reflecting the success of economic development. Basically, economic development is a series of efforts to raise incomes, to expand employment, to improve economic relations among the regions and to seek a shift of economic activity from the primary sector to the secondary sector even tertiary sector. Various economic sectors are interrelated with each other in order to promote economic growth in the region. It needs a great support from the central and local government, and also the stakeholders through regulation, so as to create prosperity for its people. This study analyzes the economic sectors in Cirebon Region which includes the leading sectors in the period 2005-2010. The data used are the West Java GDP and GDP of Cirebon in the 2005-2010 at constant prices of 2000 analyzed by Shift Share method (SS). Based on the analysis of the Shift Share method, leading sectors experiencing rapid growth are building/construction, trade, hotels and restaurants, transport and communications, finance, leasing and services companies. While the sector that has a good competitiveness is the services sector. Based on the results, the effective policy launched by the Cirebon Leader and its Government is considered as one of the main elements of Cirebon economic and local political stability.
Solusi Peningkatan Sumberdaya Manusia Pada Baytul Maal wat Tamwil (BMT) di Indonesia Melalui Pendekatan Analytic Network Process (ANP) Fiqih Apriadi; Muhammad Findi Alexandi
AL-MUZARA'AH Vol. 1 No. 2 (2013): AL-MUZARA'AH (December 2013)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (633.433 KB) | DOI: 10.29244/jam.1.2.107-118

Abstract

Baitul Maal wat Tamwil (BMT), as a micro financial institution, has a strategic role in Indonsia. The lack in quality of human resources has been a challenge since its establishment. This issue still needs to be considered seriously. Therefore, this study tries to examine the internal problems regarding the BMT human resources in Indonesia. Analytic Network Process (ANP) is used as the methodology to overcome the objective of this study. Survey and indepth interview are conducted to collect the data. The results showed that the main problems occurred in human resource management were when it dealt with training and skill development programs. Moreover, ethics and morality of the employees needs to be improved continuosly as part of the worship to Allah SWT.