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PENGARUH PENYALURAN DANA BMT TERHADAP KESEJAHTERAAN MASYARAKAT BOGOR (PERIODE TAHUN 2008-2011) Muhammad Findi A; Sarah Asy Syahidah
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 1, No 02 (2017)
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (309.999 KB) | DOI: 10.30868/ad.v1i02.231

Abstract

Penelitian ini dilatarbelakangi oleh permasalahan usaha mikro yang sulitmendapatkan bantuan dana/modal dari lembaga keuangan baik itu perbankan atau punlembaga keuangan mikro syariah seperti Baitul Maal Wattamwil (BMT). Didasarkan padahal diatas peneliti kemudian mencoba meneliti bagaimanakah pengaruh penyaluran danayang diberikan oleh BMT sebagai lembaga keuangan mikro syariah kepada masyarakat kecilyang membutuhkan bantuan permodalan dalam meningkatkan kesejahteraan ataupeningkatan pendapatan mereka.Dengan regresi linear berganda, peneliti mencoba melihat pengaruh penyalurandana yang diberikan oleh BMT terhadap peningkatan kesejahteraan dalam hal pertumbuhanpendapatan anggota/nasabah. Variabel yang digunakan dalam penelitian ini adalahpeningkatan pendapatan masyarakat, penyaluran dana/pembiayaan (pembiayaanmudharabah, pembiayaan musyarakah, pembiayaan murabahah dan pembiayaan al-qardh).Dan hasil penelitian menunjukan bahwa seluruh variable penyaluran dana(pembiayaan mudharabah, pembiayaan musyarakah, pembiayaan murabahah danpembiayaan al-qardh) memiliki pengaruh yang signifikan terhadap variable peningkatanpendapatan masyarakat di BMT wilayah Bogor.Kata Kunci: Penyaluran Dana BMT, Pendapatan Masyarakat
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.
Poverty Conditions and Policy Solutions in Banten Province (Data Analysis Years 2009-2013) Muhammad Findi; Veni Lutfiani Zulia
AFEBI Economic and Finance Review Vol 1, No 1 (2016)
Publisher : Asosiasi Fakultas Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (562.436 KB) | DOI: 10.47312/aefr.v1i01.12

Abstract

The aim of this study is to describe conditions of regional poverty to analyze the factors that affect the level of poverty in Banten province from 2009 to 2013, and to formulate solutions minimizing problems of poverty in the province of Banten. A methods used in this study is regression using panel data. Variables in this study are economic growth, minimum wage, unemployment, and literacy rate. The result of this study show that that significant variables on poverty levels in province of Banten are minimum wage, unemployment, and literacy rate. While variable is not significant to level of poverty in province of Banten is economic growth.JEL Classification: I30, J30, N30Keywords: Banten Province, Poverty, Regression Panel Data
POVERTY IN DAERAH ISTIMEWA YOGYAKARTA (DIY): POLICIES AND EFFORTS TO SOLVE IT (DATA YEAR OF 2010-2016) Muhammad Findi Alexandi; Edi Victara Tinambunan
AFEBI Economic and Finance Review Vol 4, No 1 (2019)
Publisher : Asosiasi Fakultas Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (227.989 KB) | DOI: 10.47312/aefr.v4i01.213

Abstract

This research analyze some factors that influence of poverty level and some formulation policies to solve poverty in Daerah Istimewa Yogyakarta (DIY). By 2017 Province of DIY becomes the highest poverty rate in Java Island. The percentage of poor people in Province of DIY is also above the average percentage level of poverty in Indonesia. Therefore our research is conducted on what are the factors of affect poverty and what can be implemented to solve it. This research used panel data and calculated with Ms Excel and software of Eviews 9. The range period of this research from year of 2010 to 2016 with five districts/cities in Province of DIY. The result of the estimation in this research showed that economic growth has positively affect to poverty, while the health facilities, educational facilities and the number of labor agricultural sector have negatively affect to poverty level in Province of DIY.JEL Classification: I30, I32, I38Keywords: Economic Growth, Educational Facilities, Health Facilities, Labor Of Agricultural Sector, Poverty
GENDER EQUALITY IMPACT ON FOREIGN DIRECT INVESTMENT GROWTH OF ASEAN COUNTRIES Vernanda Fairuz; Muhammad Findi Alexandi; Yeti Lis Purnamadewi
AFEBI Economic and Finance Review Vol 4, No 2 (2019)
Publisher : Asosiasi Fakultas Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (332.757 KB) | DOI: 10.47312/aefr.v4i02.262

Abstract

ASEAN become one of the main destination location for Foreign Direct Investment (FDI) however its FDI growth showed a declining trend. On the other hand, gender equality of this region keep progressing over time and surpassed the global average gender equality index. This paper examined the effect of gender equality on the growth of foreign direct investment inflows using static panel model for eight ASEAN countries for 2010-2016 period. Our result showed that gender equality could boost the FDI inflow growth through the increase of labor force participation and tertiary education. Labor force participation able to enhance the effort of boosting FDI growth through the macroeconomic channel such as GDP growth, infrastructure, inflation, interest rate and exchange rate.
The Political Economy of Household Expenditure in Indonesia Muhammad Findi Alexandi; Prima Puspita Indra Murti
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 14, No 1 (2022)
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (709.558 KB) | DOI: 10.15408/aiq.v14i1.22794

Abstract

The study analyzed the data released by BPS RI from 2010 to 2019. There is a tendency for the growth rate of Indonesian people's spending on food and non-food to be lower than the growth rate of its national disposable income. This shows that Indonesian income has entered the upper-middle-income level. Further, some of the income earned has been saved or invested. A descriptive analysis and double linear regression analysis are used in this study. Data shows that household spending on GDP in Indonesia is more than 50%. This study finds a shift in household expenditure structure between food and non-food consumption. Food expenditure experienced a steep decline from 1999 to 2019. The analysis shows that independent variables encompassing inflation, national disposable income, public saving position and ZIS funds distribution significantly influenced household expenditure.  AbstrakPenelitian ini menganalisis data yang dirilis BPS RI tahun 2010 hingga 2019 tentang kecenderungan laju pertumbuhan pengeluaran masyarakat Indonesia untuk makanan dan nonmakanan. Data menjelaskan bahwa pengeluaran makana lebih rendah dari pendapatan disposabel nasional. Hal ini menunjukkan bahwa pendapatan masyarakat Indonesia memasuki tingkat pendapatan menengah ke atas. Saat ini, lebih banyak orang yang menginvestasikan pendapatan mereka. Penelitian ini menggunakan analisis deskriptif dan analisis regresi linier berganda dan menunjukkan bahwa pengeluaran rumah tangga terhadap PDB di Indonesia lebih dari 50%. Struktur pengeluaran rumah tangga dari konsumsi makanan bergeser ke bukan makanan. Ditemukan bahwa pengeluaran pangan mengalami penurunan tajam dari tahun 1999 hingga 2019. Hasil analisis menunjukkan bahwa variabel bebas yang meliputi inflasi, pendapatan disposabel nasional, posisi tabungan masyarakat, dan penyaluran dana ZIS berpengaruh signifikan terhadap pengeluaran rumah tangga.
The Evaluationof Mustahiq Training Effectiveness in Rumah Gemilang Indonesia (RGI) for the 16th Generation to Increase Work Readiness Fauziyah Rahmi Adilah; Muhammad Findi; Khalifah Muhamad Ali
International Journal of Zakat Vol 3 No 1 (2018)
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (920.578 KB) | DOI: 10.37706/ijaz.v3i1.67

Abstract

Indonesia is the fourth largest country in the world in terms of population size. However, the potential of large amounts of Indonesian human resources cannot be optimized due to the continuing high number of unemployed people. Rumah Gemilang Indonesia (RGI) is a program run by the Al-Azhar National Amil Zakat Institute, focusing on the eradication of productive-age unemployment. The purpose of this research is to examine the implementation of the mustahiq training organized by RGI and to evaluate the running of mustahiq training at the reaction level, learning level, behavioral level, and results level. The methods used to process and analyze the data are descriptive analysis and paired data t-test. The result shows that the mustahiq training organized by RGI has been effective. At the reaction level, the respondents were quite contented with the training. The result of the paired data t-test at the learning level shows that there is a significant difference inmustahiqs’ competence before and after the training. At the behavioral level, on average, the respondents always apply the training materials to their job. At the results level, RGI’s vision to increase the level of work readiness has been achieved. Keyword: Kirkpatrick model, paired data t-test, productive zakat, training effectiveness, unemployment measure