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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) 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 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.
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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Faktor-Faktor yang Mempengaruhi Nisbah Bagi Hasil Nasabah pada Pembiayaan Mudharabah: Studi Kasus: KSPPS BMT Bina Ummat Sejahtera Pati Sulisyanti, Ayu; Effendi, Jaenal
Tapis: Jurnal Penelitian Ilmiah Vol 2 No 2 (2018): Tapis : Jurnal Penelitin Ilmiah
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat of Universitas Islam Negeri Jurai Siwo Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/tapis.v2i2.1217

Abstract

Micro business is currently getting a share of the government and financial institutions because it has an important role in increasing the economic growth of the community. Currently the development of micro-enterprises faces several problems, one of which is limited capital, therefore KSPPS BMT BUS Pati was presented as a provider of financial services for micro-entrepreneurs. KSPPS BMT BUS Pati emphasizes the use of sharia principles in its contracts, one of which is the Mudharabah financing agreement. This contract is theoretically difficult to implement in terms of profit sharing, because capital must be fully from the capital owner and the possibility of moral hazard from related parties. This study aimed to determine the factors that influence the return on profit sharing. The research method used in this study is descriptive analysis and OLS. The results of the analysis show that the factors that influence the return of profit sharing practices at KSPPS BMT BUS Pati were the relationship between BMT and customers, business sector, financing amount, length of business, and payment period.
APLIKASI MODEL BISNIS MICROBANKING SYARIAH DI INDONESIA Effendi, Jaenal; Baga, Lukman Mohammad; Beik, Irfan Syauqi; Nursyamsiah, Tita
IQTISHADIA Vol 10, No 2 (2017): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v10i2.2241

Abstract

Microbanking is generally defined as a broad set of financial services to meet the needs of the poor and small enterprises. However, mirobanking that have been well-designed might not have a positive impact on the poorest unless it particularly obtains to reach them through proper business model. On the other hand, Indonesia lists as the largest Moslem community in the world.  Hence, microbanking that are ruled under sharia regulation namely Islamic microbanking hopefully enable to support the development program particularly to the poor and SMEs in Indonesia. Therefore, the study of practices Islamic microbanking business model should be conducted in order to design the strategy of development, particularly on financial inclusion program. This study used qualitative analysis through a process of discussion, focus group discussion (FGD), in-depth interviews and literature review in order to gain information from primary and secondary sources as well as a comparative study of business models of Islamic microfinance in Indonesia.
The Effectiveness of Islamic Microfinance Distribution on Microbusiness Owner’s Poverty Alleviation (Case Study: BMT Bina Masyarakat Purworejo) AGENG PRASETYO; JAENAL EFFENDI; TITA NURSYAMSIAH
Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Vol. 14 No. 1: June 2018
Publisher : Fakultas Studi Islam dan Peradaban, Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/AIIJIS.2018.0078.1-26

Abstract

The objective of the study is to analyze the effectiveness of Islamic microfinance distri- bution and its impact on microbusiness owners’ poverty alleviation in Purworejo. This study used descriptive analysis method that is Likert scale and ordinary least square method (OLS) to analyze the influence of Islamic Microfinance Institution’s financing to microbusiness performance. The impact on the poverty alleviation is indicated by the change of microbusiness owners’ income. The results indicate that Islamic micro-financing is con- sidered to be effective in several aspects, they are proposal aspect, disbursement aspect, utilization aspect, and pay-back aspect of financing. In addition, Islamic microfinance has a positive impact on microbusiness performance and poverty alleviation.
The role of Islamic micro finance institutions (MFI) in increasing farmer's revenue Tarmizi, Mulya; Effendi, Jaenal
Journal of Islamic Economics Lariba Vol. 3 No. 2 (2017)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Poor people in Indonesia are mostly found in village region. 63% of the total poor people in Indonesia and majority of village people work as a farmer. The role of Islamic Microfinance Institution such as Islamic Cooperative is to increase the farmers income who has been the member of its cooperative. The purposes of the research are to analyze the difference of farmers’ income before and after applying the equity-based financing to islamic microfinance institution by using Paired T Test, and analyze which factors were affecting the farmers’ income in case study of farmers as the member of Islamic Cooperative Al-Ittifaq and used Ordinary Least Square method. The result shows that Islamic microfinance program signifcantly and positively affect the farmers income. The variables that significantly affect the income are size of financing taken by respondents, duration of membership, distance between farmer’s house and cooperative, and background of farmers’ education.
Equivalent rate thresholds and financing risk in Indonesian Islamic commercial banks: Evidence from a nonlinear panel analysis Rakhmat, Adrianna Syariefur; Effendi, Jaenal; Achsani, Noer Azam; Sahara, Sahara
Journal of Islamic Economics Lariba Vol. 12 No. 1 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss1.art23

Abstract

IntroductionIndonesian Islamic banking has expanded considerably over the past two decades, yet its financing risk has not consistently remained lower than that of conventional banking. Islamic banks also continue to operate within a dual banking system in which conventional interest rates influence the pricing of Islamic financing. These conditions highlight the need to understand whether the equivalent rate of profit-and-loss-sharing financing affects Islamic banking risk in a linear or nonlinear manner.ObjectivesThis study examines the threshold effect of the equivalent rate of profit-and-loss-sharing financing on Indonesian Islamic banking risk. It also estimates a critical equivalent-rate level that may serve as an early warning indicator for financing risk mitigation.MethodThe study employed a quantitative explanatory design using quarterly unbalanced panel data from 15 Indonesian Islamic commercial banks between 2014 and 2024. Islamic banking risk was measured by the ratio of non-performing financing to total financing. The equivalent rate was calculated from returns on profit-and-loss-sharing financing relative to total profit-and-loss-sharing financing. The analysis applied a fixed-effects panel regression model with a least-squares dummy-variable estimator and corrected standard errors. Conventional interest rates, inflation, economic growth, the exchange rate, and the coronavirus disease 2019 period were included as control variables.ResultsThe equivalent rate of profit-and-loss-sharing financing demonstrated a significant inverted U-shaped relationship with Islamic banking risk. Below the estimated threshold of 10.96 percent, an increase in the equivalent rate raised non-performing financing because higher financing costs increased customers’ repayment burdens. Above the threshold, however, a higher equivalent rate reduced financing risk, indicating that Islamic banks strengthened customer screening, feasibility assessment, and project monitoring when expected financing returns were sufficiently high. Conventional interest rates showed a U-shaped relationship with Islamic banking risk, with an estimated threshold of 6.01 percent. Inflation significantly reduced financing risk, whereas economic growth, exchange rates, and the coronavirus disease 2019 period had no significant effects.ImplicationsThe findings support the use of the equivalent-rate threshold as an early warning mechanism. Islamic banks should improve financing portfolio diversification, strengthen customer selection, monitor financed projects continuously, and design profit-and-loss-sharing products that generate stable returns without increasing default risk.Originality/NoveltyThis study contributes new evidence on the nonlinear relationship between equivalent rates and Islamic banking risk and provides a measurable threshold for risk management in Indonesian Islamic commercial banks.
Co-Authors Adrianna Syariefur Rakhmat 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 Erliza Noor 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 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 Sahara Sahara Shinta Wulandari Siti Karimah Sugema, Iman Sulisyanti, Ayu Supartoyo, Yesi Hendriani Tanti Novianti Tarmizi, Mulya 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