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KEAWETAN PAPAN PARTIKEL BATANG KELAPA SAWIT DARI PROSES PERENDAMAN PARTIKEL YANG BERBEDA TERHADAP RAYAP TANAH COPTOTERMES CURVIGNATHUS HOLMGREN Saman, Abdus; Diba, Farah; Setyawati, Dina; haida, Nur
JURNAL HUTAN LESTARI Vol 4, No 1 (2016): JURNAL HUTAN LESTARI
Publisher : Universitas Tanjungpura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26418/jhl.v4i1.14746

Oil palm trunk became a huge waste when the oil palm reached twenty fifth years old. This unproductive oil palm will replant with a new oil palm tree. Meanwhile the trunk was a big source of cellulose which can be used as particleboard. Research aimed to evaluate the durability of particleboard made from oil palm trunk against subterranean termites Coptotermes curvignathus Holmgren. This research was conducted in Laboratory of Wood Technology in Forestry Faculty Tanjungpura University, Pontianak, West Kalimantan, Indonesia. The treatment of particle of oil palm trunk was dipping in hot water for two hours, dipping in cold water for seven hours and dipping in NaOH 5%for two hours.Each treatment was made in fifth replication. Durability test against subterranean termites was conducted with force feeding test. Sample was measured 2 cm x 2 cm x 1 cm and put in glass with fifty termites (45 workers and 5 soldiers) then keep in culture room for 21 days. The weight loss of particleboard sample and mortality of termites was count for measured the durability of particleboard. Result of research showed that the highest average value of weight loss of oil palm particleboard was on treatment particle dipping in cold water for seven hours, then particle dipping in hot water and NaOH5% (2.75%; 0.65% and 0.23% respectively). Mortality of termites reaches 100% on particleboard made from dipping in NaOH5%. It is concluded that the durability of oil palm particleboard made from dipping particle in NaOH was the highest than other treatment. Keywords:Coptotermes curvignathus, dipping, durability, oil palm trunk, particleboard

PEMETAAN INDUSTRI KREATIF DI KOTA CIREBON (PROSPEK DAN TANTANGANNYA DALAM UPAYA PENINGKATAN EKONOMI MASYARAKAT) Wartoyo Wartoyo; Nur Haida
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 6, No 2 (2020): DESEMBER 2020
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v6i2.2501

AbstractThe development of the economy and creative industry is developing so rapidly, that the Indonesian government encourages all regions to develop the creative economy to boost the local economy, one of which is to form a special body that manages and manages the creative economy from the central to the regional level, namely the Creative Economy Agency or BEKRAF. Cirebon City has a very strategic geographical location because it is located in the path of the crossing of goods and services through the north coast (pantura) which connects the western region which is the center of national economic circulation. This study uses a survey method with a qualitative approach and descriptive analysis. The results of this study indicate that the culinary sub-sector is the largest sub-sector of the other types of creative economy in the city of Cirebon with a percentage reaching 42%, followed by the Fashion economy 15%, Craft Economy, Architecture and Visual Design respectively by 12%. whereas for the most creative economy actors, the District Prosecutor's Office reached 45.8%, followed by Harjamukti District 37%, Pekalipan District 25%, Kesambi District 10.7% and Lemahwutut District 6%. From these data, the culinary economy, Fashion and Craft can be used as a superior subsector for the City of Cirebon, while the District Prosecutors and District Kesambi can be used as a creative economic center in the city of Cirebon. The potential to make the Creative economy as one of the sectors boosting the local economy in the city of Cirebon is very large, with the condition that there is good cooperation between related parties so that the synergy and management of the management run in harmony and balance, in addition it also requires 3 (three) important steps to improve and developing a local economy through a creative economy, namely: building a shared commitment, determining superior accommodation and finally creating local branding. Keywords: Creative Economy, Economic Development, Economic Innovation AbstrakPerkembangan ekonomi dan industri kreatif berkembang begitu pesat, sehingga pemerintah Indonesia mendorong semua daerah untuk mengembangkan ekonomi kreatif untuk menigkatkan ekonomi lokal, salah satunya adalah dengan membentuk badan khusus yang mengelola dan mengurusi ekonomi kreatif dari tingkat pusat hingga daerah yaitu Badan Ekonomi Kreatif atau BEKRAF. Kota Cirebon memiliki letak geografis yang sangat strategis karena terletak di jalur perlintasan barang dan jasa melalui pantai utara (pantura) yang menghubungkan wilayah bagian barat yang menjadi pusat perputaran ekonomi nasional. Penelitian ini menggunakan metode survey dengan pendekatan kualitatif dan analisis deskriftif. Hasil penelitian ini menunjukkan bahwa Sub sektor kuliner merupakan sub sektor paling besar dari jenis ekonomi kreatif lainnya di Kota Cirebon dengan persentase mencapai 42%, disusul kemudian oleh ekonomi Fashion 15%, Ekonomi Kriya, Arsitektur dan Desain Visual masing-masing sebesar 12%. sedangkan untuk wiyalah yang paling banyak pelaku ekonomi kreatifnya adalah Kecamatan Kejaksan dengan persentasi mencapai 45,8%, disusul Kecamatan Harjamukti 37%, Kecamatan Pekalipan 25%, Kecamatan Kesambi 10,7% dan Kecamatan Lemahwungkuk 6%. Dari data tersebut maka ekonomi kuliner, Fashion dan Kriya bisa dijadikan sebagai subsektor unggulan untuk Kota Cirebon, sedangkan Kecamatan Kejaksan dan Kecamatan Kesambi bisa dijadikan sebagai pusat ekonomi kreatif yang ada di Kota Cirebon. Potensi untuk menjadikan ekonomi Kreatif sebagai salah satu sektor pendongkrak ekonomi lokal di Kota Cirebon sangatlah besar, dengan syarat terjadi kerjasama yang baik antara para pihak terkait sehingga sinergi dan manajemen pengelolaannya berjalan selaras dan seimbang, selain itu juga diperlukan 3 (tiga) langkah penting untuk meningkatkan dan mengembangkan ekonomi loka melalui ekonomi kreatif yaitu : membangun komitmen bersama, menentukankomoditas unggulan dan terakhir adalah menciptakan local branding.Kata Kunci : Ekonomi Kreatif, Pembangunan ekonomi, Inovasi Ekonomi

Mengukur Fungsi Sosial dalam Perkembangan Produk Qardhul Hasan Pada Perbankan Syariah di Indonesia Nur Haida
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 7, No 2 (2015)
Publisher : IAIN Syekh Nurjati Cirebon

Abstrak Bank syariah sebagai lembaga intermediasi berperan menghimpun dana dari masyarakat yang mengalami surplus dana dan menyalurkannya kembali kepada masyarakat yang mengalami defisit dana. Selain berperan sebagai lembaga intermediasi, bank syariah dapat mengoptimalkannya dalam berbagai aspek. Salah-satu aspek tersebut adalah di bidang sosial yang merupakan keistimewaan bank syariah dibandingkan dengan bank konvensional. Pengoptimalan fungsi bank syariah sebagai lembaga intermediasi dalam bidang sosial salah-satunya yaitu dengan penyaluran dalam aplikasi produk pembiayaan dengan akad qard yaitu pinjam meminjam dana tanpa imbalan dengan kewajiban pihak peminjam mengembalikan pokok pinjaman secara sekaligus atau cicilan dalam jangka waktu tertentu, peminjaman ini disalurkan kepada kaum dhu’afa dari segi ekonomi. Dengan menggunakan metode analisis deskriptif didapatkan gambaran bahwa terdapat perbedaan antara Bank Umum Syariah dan Unit Usaha Syariah dengan Bank Pembiayaan Rakyat Syariah dalam menyalurkan dana pada produk pembiayaan dengan akad qard pada tahun 2005 sampai dengan bulan Juni tahun 2015. Pada tahun 2005 Bank Umum Syariah dan Unit Usaha Syariah menunjukkan tren peningkatan hingga tahun 2011. Namun setelah mencapai titik klimaks peningkatan volume pembiayaan qardhul hasan pada tahun 2011 kemudian pada periode-periode berikutnya mengalami penurunan hingga bulan Juni 2015. Berbeda halnya dengan BUS dan UUS, BPRS menunjukkan tren peningkatan dari tahun 2005 sampai dengan bulan Juni 2015 dan belum mengalami penurunan sama sekali. Kata Kunci: Qardhul Hasan, Fungsi Sosial, Bank Umum Syariah, dan BPRS. Abstract Islamic bank acts as an intermediary institution collecting funds from people who have a surplus of funds and channel them back to the community that had a deficit of funds. In addition to acting as an intermediary, Islamic banks can optimize it in many aspects. One of the aspects are in the social field which is a feature of Islamic banks compared with conventional banks. Optimization function Islamic bank as an intermediary in the social field one only, namely the distribution in product applications financing agreement qardhul hasan lending and borrowing funds without compensation to the obligations of the borrower returns the loan principal in a lump sum or in installments within a certain period, lending is channeled to the dhu'afa economic terms. By using descriptive analysis it was shown that there is a difference between Islamic Banks and Sharia Business Unit with the People's Bank of Islamic Financing in disbursing the funds on financing products with qard contract in 2005 until June 2015. In 2005 the Islamic Banks and Units Sharia showed an increasing trend until 2011. However, after reaching a climax qard financing volume increase in 2011 and then in later periods decreased until June 2015. By contrast, the BUS and UUS, SRB showed an increasing trend from 2005 to in June 2015 and has not decreased at all.Keywords: Qardhul Hasan, Social Function, Islamic Banks, and BPRS.

Pengaruh Pelayanan dan Kepuasan Terhadap Loyalitas Anggota Pembiayaan di BMT Al-Falah Sumber Cirebon Nur Haida; NFN Kurnia
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 9, No 2 (2017)
Publisher : IAIN Syekh Nurjati Cirebon

AbstrakKualitas produk, pelayanan, dan profitabilitas perusahaan adalah tiga hal yang terkait erat. Semakin tinggi kualitas, semakin tinggi kepuasan pelanggan yang dihasilkan, yang mendukung harga yang lebih tinggi dan sering kali biaya yang lebih rendah. Studi telah memperlihatkan korelasi yang tinggi antara kualitas produk atau jasa dengan profitabilitas perusahaan. Kondisi persaingan bisnis, kemajuan teknologi, perkembangan ekonomi, dan sejarah masyarakat mendorong terjadinya pengembangan kualitas pelayanan (service quality) yang menekankan pada pentingnya pemenuhan harapan dan kebutuhan nasabah. Terus maningkatnya jumlah anggota BMT Al-Falah Sumber Cirebon, terdapat juga anggota yang tidak loyal walaupun pelayanan yang diberikan BMT Al-Falah Sumber Cirebon itu cukup bagus dan mereka para anggota merasa puas dengan pelayanan yang diberikan. Penelitian ini bertujuan untuk mengetahui seberapa besar sistem pelayanan dan kepuasan nasabah terhadap loyalitas anggota pembiayaan di BMT Alfalah Sumber Cirebon. Penelitian ini merupakan penelitian kuantitatif, dengan menggunakan metode pengumpulan data kuisioner, dengan analisis regresi berganda yang menguji hipotesis penelitian. Berdasarkan hasil analisis data dalam penelitian ini menunnjukkan bahwa variabel sistem pelayanan berpengaruh positif sebesar 0,081 tetapi dari hasil uji t nilai probabilitas (sig) tidak mempunyai pengaruh secara signifikan terhadap loyalitas anggota sebesar 0,021. Probabilitas (sig) sistem pelayanan sebesar 0,021 > 0,05 dengan demikian Ho ditolak. Hal ini diinterpretasikan bahwa sistem pelayanan tidak mempunyai pengaruh yang signifikan terhadap loyalitas anggota pembiayaan di BMT Al-falah Sumber Cirebon. Sedangkan variabel kepuasan berpengaruh positif sebesar 0,240 tetapi dari hasil uji t nilai probabilitas (sig) tidak mempunyai pengaruh secara signifikan terhadap loyalitas anggota sebesar 0,010 > 0,05 dengan demikian Ho ditolak. Hal ini diinterpretasikan bahwa kepuasan tidak mempunyai pengaruh yang signifikan terhadap loyalitas anggota pembiayaan di BMT Al-falah Sumber Cirebon. Dan hasil uji Pengaruh sistem pelayanan dan kepuasan terhadap loyalitas anggota pembiayaan di BMT Al-falah Sumber Cirebon sebesar 14,565. Bahwa diperoleh nilai Fhitung sebesar 14,565 dan nilai sig. 0,000. Kemudian perbandingan antara Ftabel dengan Fhitung dengan menggunakan batas signifikan 0,05 dan Ftabel 2,32. Dapat dilihat bahwa Fhitung > Ftabel yaitu 14,565 > 2,32 dengan demikian Ha diterima dan H0 ditolak.Kata Kunci, Kepuasan Nasabah, Kualitas Pelayanan, Loyalitas Anggota Abstract The quality of the product, service, and profitability of the company are three things that are closely related. The higher the quality, the higher the resulting customer satisfaction, which supports higher prices and often lower costs. Studies have shown a high correlation between product or service quality with firm profitability. The condition of business competition, technological progress, economic development, and community history encourage the development of service quality which emphasizes the importance of fulfilling the expectations and needs of the customers. The increasing number of members of BMT Al-Falah Sumber Cirebon, there are also members who are not loyal although the services provided by BMT Al-Falah Source Cirebon is pretty good and they are satisfied with the service provided. This study aims to find out how big the service system and customer satisfaction of loyalty of financing members in BMT Alfalah Sumber Cirebon. This research is a quantitative research, using questionnaire data collection method, with multiple regression analysis that tested the research hypothesis. Based on the results of data analysis in this study menunnjukkan that service system variables have a positive effect of 0.081 but from the test results t probability (sig) does not have a significant effect on loyalty of members of 0.021. The probability (sig) of service system is 0.021> 0.05 thus Ho is rejected. It is interpreted that the service system has no significant effect on loyalty of finance member in BMT Al-falah Sumber Cirebon. While the satisfaction variable has a positive effect of 0.240 but from the test result t the probability (sig) does not have a significant effect on the loyalty of members of 0.010> 0.05 thus Ho is rejected. It is interpreted that satisfaction has no significant effect on loyalty of finance member in BMT Al-falah Sumber Cirebon. And test result Influence of service system and satisfaction to loyalty member of financing in BMT Al-falah Source Cirebon equal to 14,565. That obtained Fcount value of 14,565 and sig value. 0,000. Then the comparison between Ftable with Fhitung by using the significant limit of 0.05 and Ftabel 2.32. It can be seen that Fcount> Ftable is 14,565> 2,32 thus Ha is received and H0 is rejected. Keywords: Customer Satisfaction, Service Quality, Member Loyalty

The Impact of Government Sukuk Emissions on Islamic Banking Activities in Indonesia Wartoyo, Wartoyo; Haida, Nur
EQUILIBRIUM Vol 12, No 1 (2024): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v12i1.28223

This paper aims to explore the crowding-out effect in the context of Islamic economics. Specifically, has the government's issuance of sukuk resulted in a decrease or even a negative impact on the financing growth of Islamic banks? In order to examine this effect, we use monthly data from all Islamic commercial banks in Indonesia from January 2008 to December 2023. This study employs autoregressive distributed lag (ARDL) for data analysis. The results indicate that the growth in outstanding government sukuk is negatively and significantly related to the financing growth of Islamic banks, especially in the short term. In the long term, the growth in outstanding government sukuk tends not to have a significant effect on banking activities. Therefore, the growth of outstanding government sukuk has directly hampered Islamic economy and banking development.

Fiscal and Monetary Policy Synergy In The Context of National Economic Recovery After The Covid-19 Pandemic Wartoyo, Wartoyo; Amalia, Tia; Fajriyatin, Fajriyatin; Haida, Nur
Indonesian Journal of Islamic Business and Economics (IJIBE) Vol 6 No 1 (2024): IJIBE
Publisher : Islamic Economic Scholar Association and Faculty of Economics and Business Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/1.ijibe.2024.6.01.9941

The COVID-19 virus is a global pandemic or disaster, forcing all countries to overcome health crises and a number of other crises such as economic crises. This study aims to determine the condition of Indonesia's economic growth both during the pandemic and the latest conditions and find out how the implementation process of synergy between fiscal and monetary policies in an effort to overcome the Covid-19 pandemic and post-pandemic. This research uses a qualitative approach with the type of literature research. Literature research itself obtains its data sources by collecting data sourced from books, journals, notes or reports related to the formulation of the problem to be studied. The results of the study convey that the impact of fiscal and monetary policies pursued by the Indonesian government can be said to be successful. This can be proven by Indonesia's economic condition, which experienced a slowdown at the beginning of the pandemic, changing towards positive growth at the end of 2021 to 2022, meanwhile, in terms of monetary policy, namely maintaining economic stability, strengthening macroprudential policy, accelerating payment system digitalization, strengthening inclusive economic-financial policy, and strengthening international policy.

The Impact of Government Sukuk Emissions on Islamic Banking Activities in Indonesia Wartoyo, Wartoyo; Haida, Nur
EQUILIBRIUM Vol 12, No 1 (2024): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v12i1.28223

This paper aims to explore the crowding-out effect in the context of Islamic economics. Specifically, has the government's issuance of sukuk resulted in a decrease or even a negative impact on the financing growth of Islamic banks? In order to examine this effect, we use monthly data from all Islamic commercial banks in Indonesia from January 2008 to December 2023. This study employs autoregressive distributed lag (ARDL) for data analysis. The results indicate that the growth in outstanding government sukuk is negatively and significantly related to the financing growth of Islamic banks, especially in the short term. In the long term, the growth in outstanding government sukuk tends not to have a significant effect on banking activities. Therefore, the growth of outstanding government sukuk has directly hampered Islamic economy and banking development.

Pengaruh Pelayanan dan Kepuasan Terhadap Loyalitas Anggota Pembiayaan di BMT Al-Falah Sumber Cirebon Nur Haida; NFN Kurnia
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 9, No 2 (2017)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v9i2.2238

AbstrakKualitas produk, pelayanan, dan profitabilitas perusahaan adalah tiga hal yang terkait erat. Semakin tinggi kualitas, semakin tinggi kepuasan pelanggan yang dihasilkan, yang mendukung harga yang lebih tinggi dan sering kali biaya yang lebih rendah. Studi telah memperlihatkan korelasi yang tinggi antara kualitas produk atau jasa dengan profitabilitas perusahaan. Kondisi persaingan bisnis, kemajuan teknologi, perkembangan ekonomi, dan sejarah masyarakat mendorong terjadinya pengembangan kualitas pelayanan (service quality) yang menekankan pada pentingnya pemenuhan harapan dan kebutuhan nasabah. Terus maningkatnya jumlah anggota BMT Al-Falah Sumber Cirebon, terdapat juga anggota yang tidak loyal walaupun pelayanan yang diberikan BMT Al-Falah Sumber Cirebon itu cukup bagus dan mereka para anggota merasa puas dengan pelayanan yang diberikan. Penelitian ini bertujuan untuk mengetahui seberapa besar sistem pelayanan dan kepuasan nasabah terhadap loyalitas anggota pembiayaan di BMT Alfalah Sumber Cirebon. Penelitian ini merupakan penelitian kuantitatif, dengan menggunakan metode pengumpulan data kuisioner, dengan analisis regresi berganda yang menguji hipotesis penelitian. Berdasarkan hasil analisis data dalam penelitian ini menunnjukkan bahwa variabel sistem pelayanan berpengaruh positif sebesar 0,081 tetapi dari hasil uji t nilai probabilitas (sig) tidak mempunyai pengaruh secara signifikan terhadap loyalitas anggota sebesar 0,021. Probabilitas (sig) sistem pelayanan sebesar 0,021 > 0,05 dengan demikian Ho ditolak. Hal ini diinterpretasikan bahwa sistem pelayanan tidak mempunyai pengaruh yang signifikan terhadap loyalitas anggota pembiayaan di BMT Al-falah Sumber Cirebon. Sedangkan variabel kepuasan berpengaruh positif sebesar 0,240 tetapi dari hasil uji t nilai probabilitas (sig) tidak mempunyai pengaruh secara signifikan terhadap loyalitas anggota sebesar 0,010 > 0,05 dengan demikian Ho ditolak. Hal ini diinterpretasikan bahwa kepuasan tidak mempunyai pengaruh yang signifikan terhadap loyalitas anggota pembiayaan di BMT Al-falah Sumber Cirebon. Dan hasil uji Pengaruh sistem pelayanan dan kepuasan terhadap loyalitas anggota pembiayaan di BMT Al-falah Sumber Cirebon sebesar 14,565. Bahwa diperoleh nilai Fhitung sebesar 14,565 dan nilai sig. 0,000. Kemudian perbandingan antara Ftabel Â dengan Fhitung dengan menggunakan batas signifikan 0,05 dan Ftabel 2,32. Dapat dilihat bahwa Fhitung > Ftabel yaitu 14,565Â > 2,32 dengan demikian Ha diterima dan H0 ditolak.Kata Kunci, Kepuasan Nasabah, Kualitas Pelayanan, Loyalitas AnggotaÂ Â AbstractÂ Â Â Â Â Â Â Â Â Â Â Â Â Â The quality of the product, service, and profitability of the company are three things that are closely related. The higher the quality, the higher the resulting customer satisfaction, which supports higher prices and often lower costs. Studies have shown a high correlation between product or service quality with firm profitability. The condition of business competition, technological progress, economic development, and community history encourage the development of service quality which emphasizes the importance of fulfilling the expectations and needs of the customers. The increasing number of members of BMT Al-Falah Sumber Cirebon, there are also members who are not loyal although the services provided by BMT Al-Falah Source Cirebon is pretty good and they are satisfied with the service provided. This study aims to find out how big the service system and customer satisfaction of loyalty of financing members in BMT Alfalah Sumber Cirebon. This research is a quantitative research, using questionnaire data collection method, with multiple regression analysis that tested the research hypothesis. Based on the results of data analysis in this study menunnjukkan that service system variables have a positive effect of 0.081 but from the test results t probability (sig) does not have a significant effect on loyalty of members of 0.021. The probability (sig) of service system is 0.021> 0.05 thus Ho is rejected. It is interpreted that the service system has no significant effect on loyalty of finance member in BMT Al-falah Sumber Cirebon. While the satisfaction variable has a positive effect of 0.240 but from the test result t the probability (sig) does not have a significant effect on the loyalty of members of 0.010> 0.05 thus Ho is rejected. It is interpreted that satisfaction has no significant effect on loyalty of finance member in BMT Al-falah Sumber Cirebon. And test result Influence of service system and satisfaction to loyalty member of financing in BMT Al-falah Source Cirebon equal to 14,565. That obtained Fcount value of 14,565 and sig value. 0,000. Then the comparison between Ftable with Fhitung by using the significant limit of 0.05 and Ftabel 2.32. It can be seen that Fcount> Ftable is 14,565> 2,32 thus Ha is received and H0 is rejected.Â Keywords: Customer Satisfaction, Service Quality, Member LoyaltyÂ

Mengukur Fungsi Sosial dalam Perkembangan Produk Qardhul Hasan Pada Perbankan Syariah di Indonesia Nur Haida
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 7, No 2 (2015)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v7i2.207

AbstrakÂ Â Â Â Â Â Â Â Â Â Â Â Bank syariah sebagai lembaga intermediasi berperan menghimpun dana dari masyarakat yang mengalami surplus dana dan menyalurkannya kembali kepada masyarakat yang mengalami defisit dana. Selain berperan sebagai lembaga intermediasi, bank syariah dapat mengoptimalkannya dalam berbagai aspek. Salah-satu aspek tersebut adalah di bidang sosial yang merupakan keistimewaan bank syariah dibandingkan dengan bank konvensional. Pengoptimalan fungsi bank syariah sebagai lembaga intermediasi dalam bidang sosial salah-satunya yaitu dengan penyaluran dalam aplikasi produk pembiayaan dengan akad qard yaitu pinjam meminjam dana tanpa imbalan dengan kewajiban pihak peminjam mengembalikan pokok pinjaman secara sekaligus atau cicilan dalam jangka waktu tertentu, peminjaman ini disalurkan kepada kaum dhuâ€™afa dari segi ekonomi. Dengan menggunakan metode analisis deskriptif didapatkan gambaran bahwa terdapat perbedaan antara Bank Umum Syariah dan Unit Usaha Syariah dengan Bank Pembiayaan Rakyat Syariah dalam menyalurkan dana pada produk pembiayaan dengan akad qard pada tahun 2005 sampai dengan bulan Juni tahun 2015. Pada tahun 2005 Bank Umum Syariah dan Unit Usaha Syariah menunjukkan tren peningkatan hingga tahun 2011. Namun setelah mencapai titik klimaks peningkatan volume pembiayaan qardhul hasanÂ pada tahun 2011 kemudian pada periode-periode berikutnya mengalami penurunan hingga bulan Juni 2015. Berbeda halnya dengan BUS dan UUS, BPRS menunjukkan tren peningkatan dari tahun 2005 sampai dengan bulan Juni 2015 dan belum mengalami penurunan sama sekali. Kata Kunci: Qardhul Hasan, Fungsi Sosial, Bank Umum Syariah, dan BPRS.Â Â AbstractÂ Â Â Â Â Â Â Â Â Â Â Â Â Â Islamic bank acts as an intermediary institution collecting funds from people who have a surplus of funds and channel them back to the community that had a deficit of funds. In addition to acting as an intermediary, Islamic banks can optimize it in many aspects. One of the aspects are in the social field which is a feature of Islamic banks compared with conventional banks. Optimization function Islamic bank as an intermediary in the social field one only, namely the distribution in product applications financing agreement qardhul hasan lending and borrowing funds without compensation to the obligations of the borrower returns the loan principal in a lump sum or in installments within a certain period, lending is channeled to the dhu'afa economic terms. By using descriptive analysis it was shown that there is a difference between Islamic Banks and Sharia Business Unit with the People's Bank of Islamic Financing in disbursing the funds on financing products with qard contract in 2005 until June 2015. In 2005 the Islamic Banks and Units Sharia showed an increasing trend until 2011. However, after reaching a climax qard financing volume increase in 2011 and then in later periods decreased until June 2015. By contrast, the BUS and UUS, SRB showed an increasing trend from 2005 to in June 2015 and has not decreased at all.Keywords: Qardhul Hasan, Social Function, Islamic Banks, and BPRS.

Strategi Penanganan Pembiayaan Bermasalah Pada Produk Bank Syariah Gama Pratama; Nur Haida; Sukma Nurwulan
Ecobankers : Journal of Economy and Banking Vol 2 No 2 (2021): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

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This study discusses the strategy for handling problematic financing at Islamic banks, based on field reviews, many problems occur to consumers in terms of financing, especially certain products due to several factors, so the purpose of this study is to find out strategies for handling problematic financing on consumer products at BSI KCP Cirebon. Plered 2, then what are the factors that cause problematic financing for Consumer Products at BSI KCP Cirebon Plered 2 and what are the steps to anticipate if there is an opportunity for non-performing financing to occur in consumer products at BSI KCP Cirebon Plered 2. The method used is a qualitative method, with the results The following research shows that the strategy for handling non-performing financing in consumer financing products carried out by BSI KCP Cirebon Plered 2 is by strengthening the company's Human Resources (HR), coaching to customers by contacting customers by calling n telephone calls, visiting the customer's residence, giving a warning letter (SP), and holding consultations with the customer, then with a financing restructuring strategy, as well as the final handling strategy by selling the customer's assets or collateral. The factors causing problem financing at BSI KCP Cirebon Plered 2 occurred not due to internal factors originating from the bank, but caused by external factors including, customer lifestyle, Termination of Employment (PHK), Proposing other financing, Unfavorable customer character , and work in a less than good company. Anticipation steps if there is an opportunity for non-performing financing on consumer products at BSI KCP Cirebon Plered 2 are carried out by evaluating the provision of financing, discussing with all financing units, and avoiding the causes of previous financing. It can be concluded that this research strengthens human resources as well as coaching and factors that cause problematic financing, namely from external factors, customer lifestyles, layoffs, then evaluation of deliberation discussions with financing units. Abstrak Penelitian ini membahas mengenai strategi penanganan pembiayaan yang bermasalah pada bank syariah, berdasarkan tinjauan lapangan permasalahan banyak terjadi pada konsumen dalam hal pembiayaan khususnya produl tertentu karena beberpa factor maka dengan ini tujuan dari penelitian ini untuk mengatahui strategi penanganan pembiayaan bermasalah pada produk konsumer di BSI KCP Cirebon Plered 2, kemudian apa faktor-faktor penyebab terjadinya pembiayaan bermasalah pada di BSI KCP Cirebon Plered 2 dan bagaimana langkah antisipasi jika terjadi peluang kembali pembiayaan bermasalah pada produk konsumer di BSI KCP Cirebon Plered 2. Metode yang digunakan yaitu metode kualitatif, dengan hasil penelitian sebagai berikut bahwa strategi penanganan pembiayaan bermasalah pada produk pembiayaan konsumer yang dilakukan BSI KCP Cirebon Plered 2 dengan cara, memperkuat Sumber Daya Manusia (SDM) perusahaan, pembinaan kepada nasabah yang dilakukan dengan cara menghubungi nasabah melalui panggilan telefon, mengunjungi tempat tinggal nasabah, memberikan surat peringatan (SP), dan melakukan musyawarah dengan nasabah, kemudian dengan strategi restrukturisasi pembiayaan, serta strategi penanganan terakhir dengan melakukan penjualan aset atau agunan nasabah. Faktor-faktor penyebab pembiayaan bermasalah di BSI KCP Cirebon Plered 2 terjadi bukan dikarenakan oleh faktor internal yang berasal dari bank, melainkan disebabkan oleh faktor eksternal diantaranya, gaya hidup nasabah, Pemutusan Hubungan Kerja (PHK), Mengajukan pembiayaan lain, Karakter nasabah yang kurang baik, dan bekerja diperusahaan yang kurang bagus. Langkah antisipasi jika terjadi peluang kembali pembiayaan bermasalah pada produk konsumer di BSI KCP Cirebon Plered 2 dilakukan dengan cara mengevaluasi pemberian pembiayaan, diskusi dengan semua unit pembiayaan, serta menghindari penyebab pembiayaan sebelumnya. Dapat disimulkan bahwa penelitian ini memperkuat SDM serta pembinaan dan factor yang menjadi penyebab pembiayaan bermasalah yaitu dari factor ekternal gaya hidup nasabah, PHK, kemudian evaluasi diskusi musyawarah dengan unit-unit pembiayaan

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