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All Journal Jurnal Penyuluhan Ahkam: Jurnal Ilmu Syariah Signifikan : Jurnal Ilmu Ekonomi Economic Journal of Emerging Markets Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Jurnal Keuangan dan Perbankan Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) EQUILIBRIUM IQTISHADIA Indonesian Journal of Business and Entrepreneurship (IJBE) Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Jurnal Ekonomi Syariah Teori dan Terapan Walisongo: Jurnal Penelitian Sosial Keagamaan Global Review of Islamic Economics and Business FIKRI : Jurnal Kajian Agama, Sosial dan Budaya Journal of Management Review al-Uqud : Journal of Islamic Economics Al-Muzara'ah Jurnal Ekonomi & Keuangan Islam KEK (Kajian Ekonomi dan Keuangan) Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam EKOMABIS: Jurnal Ekonomi Manajemen Bisnis Shafin: Sharia Finance and Accounting Journal Journal of Islamic Economics Lariba Review on Islamic Accounting MIMBAR : Jurnal Sosial dan Pembangunan Tapis : Jurnal Penelitian Ilmiah

JAENAL EFFENDI

Department Of Islamic Economics, Faculty Of Economics And Management, IPB University.

Author-ID : 2875944

Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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PENGARUH LEMBAGA KEUANGAN MIKRO SYARIAH (LKMS) BERKUALITAS TERHADAP PENINGKATAN KEUNTUNGAN USAHA MIKRO KOTA DEPOK Aditya Hadid Riyadi; Jaenal Effendi; Tita Nursyamsiyah
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 5 (2019): Mei-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20195pp1086-1100

Micro-enterprises generally have the potential to improve people's living standards and have contributed to economic growth in Indonesia. In its development process, capital is the biggest problem faced by micro enterprises due to the number of microbusinesses that are still unbankable. The existence of alternative financial institutions other than banks that can overcome these problems is needed. Islamic microfinance institution (LKMS) or commonly known as BMT is the best solution to solve the capital problem of micro enterprises. Easy access to financing for microenterprises and mutually beneficial profit sharing system, LKMS has become a solution for the development of member’s business. This study aims to analyze the effect of islamic micro financial institution (LKMS) on the increase of profit of microenterprises in Depok City using Ordinary Least Square (OLS) method. The result of research shows that there is a significant influence of the increase of profit of microenterprises after financing in LKMS.Keywords: Financing, LKMS, Microenterprises, OLSREFFERENCESAnggraeni, Lukytawati, Herdiana Puspitasari, Salahuddin El Ayubbi, and Ranti Wiliasih. 2013. “Akses UMKM Terhadap Pembiayaan Mikro Syariah Dan Dampaknya Terhadap Perkembangan Usaha : Kasus BMT Tadbiirul Ummah , Kabupaten Bogor The Access of MSME towards Islamic Microfinancing and Its Impact on Business Development : A Case of BMT Tadbiirul Ummah , Bogor.” I(1): 56–67.Antonio MS. 2001. Bank Syariah dari Teori ke Praktek. Jakarta (ID): Gema InsaniApriadi F, Alexandi MF. 2013. Solusi Peningkatan Sumberdaya Manusia Pada Baytul Maal wat Tamwil (BMT) di Indonesia Melalui Pendekatan Analytic Network Process (ANP). Jurnal al-Muzara’ah, Vol. I No. 2, 2013Antara I, Aswitari L. 2016. Beberapa Faktor Yang Mempengaruhi Pendapatan Pedagang Kaki Lima Di Kecamatan Denpasar Barat. E-Jurnal Ekonomi Pembangunan Universitas Udayana, Vol. 5 No. 11, 2016.Beik, I. Arsyianti, L. D., 2016. Ekonomi Pembangunan Syariah (Edisi Revisi). Jakarta (ID): PT Raja Grafindo Persada.Dani F. 2017. Muhammad Fajar Dani. Analisis Faktor-Faktor yang Mempengaruhi Omset UMKM Nasabah Pembiayaan [skripsi] . Bogor (ID): Institut Pertanian BogorFahrudin A. 2012. Pengantar Kesejahteraan. Bandung (ID): PT Rafika AditamaFirdaus. 2011. Ekonometrika: Suatu Pendekatan Aplikatif. Jakarta (ID): Bumi AksaraEffendi, Jaenal, and Annisa Rindra Utami. 2016. “THE EFFECT OF SOCIAL CAPITAL ON CUSTOMER ’ S.” 8(July): 227–42.Gina, Widya, and Jaenal Effendi. 2014. “Program Pembiayaan Lembaga Keuangan Mikro Syariah ( LKMS ) Dalam Peningkatan Kesejahteraan Pelaku Usaha Mikro ( Studi Kasus BMT Baitul Karim Bekasi ) Financing Program in Microfinance Institution ( LKMS ) of Welfare Enhancing for Micro Business Enterprises ( Study Case in BMT Baitul Karim Bekasi ) 1 Pendahuluan.” 3(1): 33–43.Gujarati DN. Dasar-Dasar Ekonometrika Edisi Kelima. Jakarta (ID):Erlangga.Guruddin SR. 2014 Peran BMT Dalam Pengembangan Usaha Mikro Kecil (Studi Kasus Pada Bmt Al-Amin Kota Makassar) [skripsi] . Makasar (ID): UIN Alauddin MakassarHaekal M. 2015. Analisis Tingkat Kesehatan BMT Dan Dampak Pembiayaan Mikro Syariah Terhadap Perkembangan Usaha Mikro (Studi Kasus BMT Al-Azhar Maros) [skripsi] . Bogor (ID): Institut Pertanian BogorHidayati N. 2014. Faktor-Faktor yang Memengaruhi Realisasi Pembiayaan Mikro Syariah dan Dampaknya terhadap Omzet Usaha Nasabah: Studi Kasus KJKS BMT UGT Sidogiri cabang Koja Jakarta [skripsi] . Bogor (ID): Institut Pertanian Bogor.Muttaqin A. 2012.Model Pembiayaan Baitul Maal Wa Tamwil Dan Peranannya Dalam Pembinaan Kesejahteraan Usaha Kecil Menengah (UKM). Jurnal Humanity Vol. 7 No. 2, Juli 2012Nabilah S. 2015. Analisis Risiko dan Faktor-Faktor Yang Memengaruhi Tingkat Pengembalian Pembiayaan Syariah Pada Sektor Pertanian ( Studi Kasus BMT As Salam, Kramat, Demak) [skripsi] . Bogor (ID): Institut Pertanian Bogor.Prastiawati F, Darma ES. 2016. Peran Pembiayaan Baitul Maal Wat Tamwil Terhadap Perkembangan Usaha dan Peningkatan Kesejahteraan Anggotanya dari Sektor Mikro Pedagang Pasar Tradisional. Jurnal Akuntansi dan Investasi. Vol. 17 No. 2, Hlm: 197-208, Juli 2016Pristiyanto, Bintoro MH, Soekarto SJ. 2013.Strategi Pengembangan Koperasi Jasa Keuangan Syariah Dalam Pembiayaan Usaha Mikro di Kecamatan Tanjungsari, Sumedang. Jurnal Manajemen IKM. Vol. 8 No.1, Februari 2013Puspitasari H. 2012. Akses UMKM Terhadap Pembiayaan Mikro Syariah danDampaknya Terhadap Perkembangan Usaha (Kasus: BMT Tadbirul Ummah, Kabupaten Bogor). [Skripsi]. Bogor (ID): Institut Pertanian Bogor.Ridwan M. 2004. Manajemen Baitul Maal Wa Tamwil (BMT). Yogyakarta (ID): UII Press.Septiana RM. 2013. Analisis Dampak Pembiayaan Mikro Syariah Terhadap Perkembangan Keuntungan UMKM di Kabupaten [skripsi] . Bogor (ID): Institut Pertanian BogorSoemitra A. 2009. Bank dan Lembaga Keuangan Syariah. Medan (ID): Kencana.Soetrisno N. 2012. Lembaga Keuangan Mikro: Energi Pemberdayaan Ekonomi Rakyat. [internet]. [diunduh 2013 Mei 6]. Tersedia pada: http://www.smecda.com.Sudarno. 2011. Kontribusi Usaha Mikro, Kecil dan Menengah (UMKM) dalam Penyerapan Tenaga Kerja di Depok. Jurnal Ekonomi dan Bisnis. Vol. 10 No.2, Desember 2011Sudarsono H. 2008. Bank dan Lembaga Keungan Syariah, Deskripsi dan Ilustrasi. Yogyakarta (ID): Ekonisia.Syafitri N. 2010. Analisis Strategi Pemasaran Produk Dana Koperasi Baitul Maal Wa Tamwil Muamalat Di Perumnas Bantarjati Bogor Utara [skripsi] . Bogor (ID): Institut Pertanian BogorTambunan T. 2009. UMKM di Indonesia. Bogor (ID): Ghalia Indonesia.Tunas AN. 2014.Analisis Pengaruh Pembiayaan Syariah Terhadap Perkembangan Usaha Mikro Kecil Menengah Di Kota Depok [skripsi] . Bogor (ID): Institut Pertanian Bogor.Walpole R. 1992. Pengantar Statistika. Jakarta (ID) : Gramedia Pustaka Utama.Zeller M, Mayer RL. 2002. The Economics of Microfinance. Washington DC (USA): International Food Research Institute.

Factors Influencing Non-Performing Financing (NPF) at Sharia Banking Jaenal Effendi; Usy Thiarany; Tita Nursyamsiah
Walisongo: Jurnal Penelitian Sosial Keagamaan Vol 25, No 1 (2017)
Publisher : LP2M - Universitas Islam Negeri (UIN) Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/ws.25.1.1540

The risk of financing is the risk caused by the failure of the customers to fulfill their obligations. Non-performing financing (NPF) is a representation of financing risk that is channeled and has a direct impact on bank profitability. The value of NPF tends to increase annually with a value that is already close to the maximum limit set by Bank Indonesia of 5 percent. This condition is able to lead to the inefficiency of the banking system and in the long run, will have an impact on the sustainability of the bank. Therefore, the analysis of NPF factors should be conducted as a preventive measure and a risks controller of business activities. This research analyzes the factors influencing NPF at sharia banking (BUS) using a quarterly data from first quarter of 2012 until third quarter 2016. The method used in this research is panel data analysis. The result of analysis shows that the factors influencing NPF negatively and significantly are ratio of revenue sharing financing (RR), Return on Assets (ROA), inflation, Capital Adequacy Ratio (CAR) and Bank size while Gross Domestic Product (GDP) and Operating Cost to Operating Income (BOPO) have a significant positive effect.

Potential of Islamic Insurance Market: Islamic Banking and Sukuk Sectors Case Study in Indonesia Jaenal Effendi
Global Review of Islamic Economics and Business Vol 9, No 1 (2021)
Publisher : Faculty of Islamic Economics and Business, State Islamic University Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/grieb.2021.091-07

This paper predicts the potential of the Indonesian Islamic insurance market, approached by calculating the premium contribution from the Islamic banking and sukuk sectors. This paper aims to determine and analyze the potential development of Islamic insurance market in Indonesia, seen from total contributions from Islamic banking and sukuk sectors over the next five years. The paper uses the Box-Jenkins ARIMA method which is one of the quantitative forecasting methods. The results of this study indicate that over the next five years, the total contribution of Islamic insurance will experience positive growth and it is predicted that it will have a total contribution of IDR 11,568.40 billion in 2023 from Islamic banking and sukuk sectors with the biggest contributor from the Islamic banking sector. The ARIMA forecasting results show a positive trend in the premium contribution of the Islamic banking and sukuk sectors from year to year. Even so, the growth will experience a slowdown. The prediction of a slowdown in the two sectors in its contribution to the Islamic insurance market in Indonesia is a sign that there might be a decline in the total financing growth by Islamic banking. Likewise with the sukuk sector, both state and corporate sukuk are predicted to experience a slowdown in the growth of Islamic insurance premiums.

Priority Strategy of Financial Institution Pension Funds (FIPF) for Islamic Scheme in Indonesia: Internal, Market, and Regulation Approach Jaenal Effendi
Global Review of Islamic Economics and Business Vol 9, No 2 (2021)
Publisher : Faculty of Islamic Economics and Business, State Islamic University Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/grieb.2021.092-10

According to a survey conducted by Otoritas Jasa Keuangan (OJK), 74.8% of workers and 85.7% of employers are attracted to Islamic pension funds. However, its market share is still relatively low compared to other Islamic financial product. The purpose of this study is to identify the internal, market and regulation issues that affect the development of FIPF (financial institution pension funds) and construct the strategy to develop FIPF for Islamic scheme. This study applies the analytical hierarchy process (AHP) to determine the strategy based on the priority scale assessed by several experts. The internal issues of FIPF are the priority of both problems and solutions in the development of FIPF for Islamic schemes. Furthermore, from the identification of problems and solutions, the strategy for optimizing FIPF scheme performance and services are the main strategies in expanding the FIPF’s market, followed by FIPF's socialization and literacy strategy, and strategies for strengthening relationships and synergy between the authority and FIPF management.

Efisiensi Emiten Properti dan Real estate yang Terdaftar di Indeks Saham Syariah Indonesia Tahun 2016-2020 Indah Fresma Sari; Jaenal Effendi
Shafin: Sharia Finance and Accounting Journal Vol. 1 No. 2 (2021)
Publisher : IAIN Madura

This study aims to analyze the efficiency of property and real estate issuers listed in the Indonesia Sharia Stock Index (ISSI) during 2016-2020 period and the factors that influence it. In the first stage, the researcher analyzes the efficiency value of property and real estate issuers using Data Envelopment Analysis (DEA) method. In the second stage, the researcher analyzes the factors that influence the efficiency value of property and real estate issuers by using tobit regression. There are 16 issuers used in this study. The results showed that none of the issuers consistently achieved the perfect technical efficiency score (the efficiency score is equal to 1) during the study period. The same thing happened to the pure technical efficiency analysis and the efficiency scale results. The results of the tobit model regression showed that the Return on Assets (ROA) has significant positive effect and the exchange rate (LNKURS) has significant negative effect on the efficiency value of property and real estate issuers. Meanwhile, the Debt to Asset Ratio (DAR), company size (LNSIZE), and interest rate (BIRATE) do not have significant effect on the efficiency of property and real estate issuers.

DETERMINAN NON PERFORMING FINANCING (NPF) PADA SEGMEN BUSINESS BANKING (STUDI KASUS DI PT BANK SYARIAH X) R. Bagus Sugiharto; Nunung Nuryartoro; Jaenal Effendi
Journal of Management Review Vol 3, No 1 (2019): Journal of Management Review
Publisher : Magister Manajement Studies Program

Penelitian ini bertujuan untuk menganalisis Non Performing Financing (NPF) segmen bisnis banking di PT Bank Syariah X. Variabel independen yang digunakan dalam penelitian ini adalah adalah rasio rentabilitas (BOPO), rasio permodalan (CAR), rasio likuiditas (FDR), rasio rentabilitas (NIM), BI rate dan Inflasi. Populasi dalam penelitian ini adalah data Non Performing Financing pada segmen bisnis banking di PT. Bank Syariah X periode Januari 2012 sampai dengan Desember 2016 berupa data bulanan. Teknik pengambilan sampel yang digunakan adalah purposive sampling dan metode analisis data yang digunakan dalam penelitian ini menggunakan analisis Error Corrective Model (ECM). Hasil penelitian ini menunjukkan bahwa dalam jangka panjang BOPO, CAR, FDR, NMR dan BI rate mempunyai pengaruh positif terhadap Non Performing Financing segmen bisnis banking; sedangkan Inflasi tidak berpengaruh terhadap Non Performing Financing segmen bisnis banking. Dalam jangka pendek BOPO mempunyai pengaruh positif terhadap Non Performing Financing segmen bisnis banking; sedangkan CAR, FDR, NMR, BI rate dan inflasi tidak mempunyai pengaruh terhadap Non Performing Financing segmen Bisnis Banking.

Program Pembiayaan Lembaga Keuangan Mikro Syariah (LKMS) dalam Peningkatan Kesejahteraan Pelaku Usaha Mikro (Studi Kasus BMT Baitul Karim Bekasi) Widya Gina; Jaenal Effendi
AL-MUZARA'AH Vol. 3 No. 1 (2015): AL-MUZARA'AH (June 2015)
Publisher : Department of Islamic Economics, IPB University

The role of micro business enterprises in employment is quite large, namely 99.9% of the total workforce in Indonesia. This suggests that micro businesses have a great opportunity in economic development and increased prosperity. This is not in accordance with the improvement of social welfare of the poor because of the high of the poor up to 10.96% of the total population. The limited capital on micro businesses is an obstacle that is difficult to be avoided. In this case, the financing provided by the BMT is crucial for micro enterprises in accessing capital. The purpose of this study is to analyze the effect of the financing program in increasing income and welfare of micro businesses. The method used in this research is the method of Ordinary Least Square (OLS and logistics method. Significant variables that positively affect the revenue are captured financing of respondents, the number of family members whose income, education, and ethical and moral variables. The variables that positively and significantly affect the welfare are the length of time member, meal expenses, average income, and financing that are taken by respondents.

Kajian Efisiensi Bank Umum Syariah di Indonesia Siti Karimah; Tanti Novianti; Jaenal Effendi
AL-MUZARA'AH Vol. 4 No. 1 (2016): AL-MUZARA'AH (June 2016)
Publisher : Department of Islamic Economics, IPB University

The aim of this study is to measure the efficiency of Islamic Bank in Indonesia and to analyze the factors that affect the level of efficiency. The objects of this study are ten Islamic Bank (BUS) in Indonesia which analyzes from the second quarter of 2012 until the first quarter of 2016. There are three method which are used in this study, two in first stage, namely non parametric method of Data Envelopment Analysis (DEA) and parametric method of Stochastic Frontier Approach (SFA) then the second stage is Tobit estimaton. Overall, the results showed that the efficiency level of Islamic banks in Indonesia during the time period in this study have not reached the optimum level of efficiency yet. Tobit estimation showed that total financing, total wadiah funds, CAR, ROE, total overhead cost significantly affect the Islamic bank`s efficiency in Indonesia.

Debt Financing dan Dampaknya terhadap Perkembangan Usaha Mikro di Bogor Jaenal Effendi; Ditta Wardhani
AL-MUZARA'AH Vol. 4 No. 2 (2016): AL-MUZARA'AH (December 2016)
Publisher : Department of Islamic Economics, IPB University

Micro and small enterprises (MSEs) have an important role in supporting the national economy. Nevertheless, MSEs still have a major problem in its development, called limited capital. The presence of BPRS which is part of sharia financial institutions is expected to provide financing assistance for MSEs. The financing provided by BPRS is not only given in the form of equity financing but also in the form of debt financing. This study analyzes the effect of debt financing on MSEs development and also the factors influenceing the income and profit of MSEs after getting debt financing. The method used in this research is paired sample t test and Ordinary Least Square (OLS). The result of paired sample t test showed that the variable of earnings and profit of MSEs have significant change after getting financing. Furthermore, the result of analysis with OLS method showed that labor variable, amount of financing, profit rate, gender dummy, and education dummy have a significant effect to earnings and profit of MSEs

PEMBERDAYAAN MASYARAKAT PENGUSAHA KECIL MELALUI DANA ZAKAT, INFAQ, DAN SEDEKAH (ZIS): Studi Kasus Program Masyarakat Mandiri Dompet Dhuafa terhadap Komunitas Pengrajin Tahu di Kampung Iwul, Kecamatan Parung, Kabupaten Bogor Jaenal Effendi; Wirawan .
AL-MUZARA'AH Vol. 1 No. 2 (2013): AL-MUZARA'AH (December 2013)
Publisher : Department of Islamic Economics, IPB University

Poverty is still one of big issues in the world particularly for developing contries. Poverty has close relation to the rural area where the people relied on agriculure activities for deriving income. Having a big Muslim population, Indonesia has great opportunity to utilize the huge potential of zakat fund particularly for empowerment program to the poor. Empowerment and capacity building program handled by Masyarakat Mandiri Dompet Dhuafa (MM-DD) to the poor people is believed to have a positive contribution to reduce poverty. The program includes providing business capital as agent of change and assistancy in order to increase the quality of human resources from the poor who generate income through producing tofu (in Kampung Iwul). Cross cultural innovation as well as regresion analysis is used to measure the program of MM-DD to their clients. The results show that based on the perception of the targeted clients regarding the indicator of material capabilties and intelectual, the empowerment program conducted by MM-DD reaches the goals of the program. While other perceptions linked to the manajemen ability from the targeted group show that the program can not reach the aims of MM-DD program yet. Several factors including their characteristics affected these perception. For the crosscultural innovation, most of respondent give positive response to the program. In addition, after adopting these programs, the avarage income of the people could increase. This increase is affected by the amount of lending, daily income from tofu business, and other income from other businesses.

Co-Authors AGENG PRASETYO Amas Priatna, Isep Amelia Nadiah Wahyu Putri Anggita Aulia Pratiwi Annisa Rindra Utami Ascarya Ascarya Bambang Juanda Dedi Budiman Hakim Deri Siswara Ditta Wardhani DWI SURYANTO Ebrinda Daisy Gustiani Endriatmo Sutarto Faqih Udin dan Jono M. Munandar Meivita Amelia Hadi Riyadi Imam Teguh Saptono Imam Teguh Saptono Indah Fresma Sari Intan Aulia Ardhani Irfan Syauqi Beik Isep Amas Priatna Lisda Qotrunnada Nabila Putri Lukman M. Baga Marhamah Muthoharroh Mohammad Iqbal Irfany Muhammad Firdaus Muhammad Firdaus Mulya Tarmizi Mustica Bintang Sabiti Mustica Bintang Sabiti Muthoharroh, Marhamah Nunung Nuryartono Nunung Nuryartoro Nur Majdina Nur Rohmat Fadlil Nurkholis Yasmin Nuwailah Pangesti, Eka Rahmawati Prasetyo, Ageng Putri Ramadhani Saragih R. Bagus Sugiharto Shinta Wulandari Siti Karimah Sugema, Iman Sulisyanti, Ayu Supartoyo, Yesi Hendriani Tanti Novianti Thiarany, Usy Tita Nursyamsiah, Tita Tita Nursyamsiyah Toni Bakhtiar Triane Widya Anggriani Usy Thiarany Utami, Annisa Rindra Widya Gina Widya Syafitri Wirawan . Yeti Lis Purnamadewi Yuridistya Primadhita Yusman Syaukat Yusman Syaukat

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