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All Journal Laa Maisyir Jurnal Ekonomi Islam Jurnal Iqtisaduna
Heri Iswandi
Universitas Islam Makassar
Religion Economics, Econometrics & Finance Social Sciences

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PEMBIAYAAN BMT Al-AMIN DALAM MENINGKATKAN USAHA MIKRO DI KOTA MAKASSAR Heri Iswandi
LAA MAISYIR: Jurnal Ekonomi Islam Vol 4 No 2 (2017)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v4i2.7760

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh pembiayaan BMT Al-Amin terhadap peningkatan usaha mikro nasabah di Kota Makassar, Faktor  yang menjadi pendukung dan penghambat BMT Al-Amin dalam peningkatan nasabah usaha mikro di kota Makassar. Jenis penelitian kuantitatif dengan sampel 40 orang. Hasil penelitian ini menunjukkan bahwa Alokasi dana BMT al-Amin terhadap pelaku usaha mikro di Kota Makassar seiap tahunnya mengalami peningkatan dengan indikasi bahwa usaha setiap nasabah peminjam usaha mikro BMT al-Amin tiap tahunnya mengalami peningkatan,  dan Berdasarkan hasil perhitungan regresi linear sederhana diperoleh nilai koefisien korelasi R sebesar  0,933, koefisien determinan RSquare0,870 yang diperoleh dari R2 = 0,933 x 9,033, hal inilah menunjukkan bahwa angka R atau R2 anatar variable X (pembiayaan) memilik pengaruh terhadap variable Y (usaha mikro), artinya besarnya peningkatan X  dalam meningkatkan Y adalah sebesar 87%. Demikian halnya dengan uji thitung diperoleh = 6,57 dan harga ttabel = 1,681 yang menunjukkan thitung > ttabel dengan demikian hipotesis yang diajukan oleh penulis diterima. Faktor pendukung dan penghambat dalam peningkatan usaha mikro, factor pendukung dibutuhkan solusi diantaranya adalah, pentingnya peningkatan SDM, regulasi hukum terhadap sektor usaha mikro, sementara penghambatnya antara lain hubungan antara BMT lain masih sangat lemah, modal dan sumber pendanaan yang masih lemah, kurangnya pengawasan dan belum ada aturan baku terhadap kelembagaan BMT, serta sulitnya mengidentifikasi penggunaan dana yang diberikan oleh BMT terhadap nasabah.
Islamic Philanthropic Solution In Handling The Economy During Pandemic Covid-19 Indonesia Syarifuddin Syarifuddin; Akramunnas Akramunnas; Heri Iswandi; Muhammad Yaasiin Raya; Ade Darmawan Basri
Jurnal Iqtisaduna Proceeding of International Conference on Islamic Economics and Business 2020
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v1i1.25399

Abstract

COVID-19, globally reported as much as 15,665,350, died as many as 638,169 recovered as many as 8,982,020, for Indonesia case COVID 19 reported as much as 95,418, died as much as 4,665 recovered as many as 53,945, and South Sulawesi case 19 reported as much as 8,612, died as much as 290 recovered as much as 5,675. Even predicted this case will still happen spike again. Of course, this will cause an impact on the economy in Indonesia. The purpose of this research is to offer Islamic philanthropy solutions during Covid-19 pandemic in Indonesia. This study uses document studies with a literature approach review. The results of this study showed that the Islamic philanthropy solution in dealing with the impact of pandemic Covid-19 There were two solutions to the Islamic Philanthropy Management System (ZISWAF) namely the first, one-way management system. In this system the accepted Community funds are distributed simultaneously to the community with a scale of micro-economic priorities. Second, the feed back management system, the distribution feedback management system with mudharabah muqayyadah (a financing product with entrusted entrepreneurs to manage funds with a profit sharing system in order to increase the benefits received by mustahik)
Co-Authors Ade Darmawan Basri Akramunnas Akramunnas Fatmawati Fatmawati Masri Masri Muammar Muchtar Mubarak Bakri Mubarak Bakrie Muhammad Yaasiin Raya Suhardi Suhardi Syarifuddin Syarifuddin