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KEBIJAKAN EKONOMI GLOBAL DINEGARA SEDANG BERKEMBANG: Tinjauan Teori, Problematika dan Interaksi Kebijakan Perdagangan dan Industrialisasi Toto Suharto
Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Vol 3, No 1 (2002) : JEP Juni 2002
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jep.v3i1.3924

It is generally speaking that a country must consider industrial and trade sector in making its global economical policies, as both of them are significant role to supporting national economic growth. According to the writer, when we discuss about experiences in the case of implementing industrial and trade policies in the developing countries, there are three dominant perspective analysis as written in the developmental literature, namely Neoclassical perspective, Structural perspective and Radical perspective. Furthermore, the problem in the industrial and trade policies mostly occurs on three main issues, those are exporting policy, importing policy, and strategic options of industrialization which lies on between import substituting industry or export promoting industry. In this paper, the writer also analyzing economical globalization issue as a big challenge nowadays and proposing strategic anticipatory actions that the developing countries should prepare.

Pelaksanaan Pengawasan dan Pembinaan Pembiayaan Murabahah Bermasalah di KSPPS BMT Husnul Aulia Ciledug siti fatimah; Toto Suharto
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 2 No 1 (2020): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

This study aims to determine the implementation of supervision and fostering problematic murabaha financing at BMT Husnul Aulia Ciledug.This study uses qualitative research with data collection methods using interviews, observation and documentation and then analyzed using descriptive analysis.The results of this study: the implementation of preventive supervision of murabaha financing in BMT Husnul Aulia namely by carrying out administrative supervision namely checking all required documents and applying the principle of 6C in the analysis of financing, while the implementation of repressive supervision of murabaha financing is problematic by carrying out direct supervision of visiting places businesses of BMT members routinely and carry out indirect supervision, namely nominative checks. In addition to supervision, BMT Husnul Aulia conducts coaching that is by visiting the place of business or residence and providing input and solutions to problems that are being faced in the business so that financing problems arise. Keywords: Supervision, Guidance, Murabaha, Problem Funding.

Sharia Economic Law Analysis of Paylater Features in Online Marketplace Transactions Fatakh, Abdul; Rosanti, Eka; Suharto, Toto; Annisa, Dila
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol 10, No 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v10i1.20292

The advancement of digital technology has significantly transformed buying and selling systems, particularly through online marketplace platforms. One notable innovation is the paylater payment scheme, which allows consumers to defer payments after completing transactions. While this method offers practical convenience, it raises critical concerns from the perspective of Sharia economic law, especially regarding the elements of riba (interest), gharar (uncertainty), and transactional justice. This study aims to analyze the implementation of paylater features in the Hijabequlla marketplace by examining their compliance with Sharia economic principles. Using a qualitative descriptive method, data were collected through observation, interviews, and literature review. The findings reveal that although the paylater scheme facilitates online purchases, its current implementation shows potential violations of Sharia provisions—particularly those outlined in the DSN-MUI Fatwa No. 1 of 2004 concerning interest-based transactions. The novelty of this research lies in its contextual analysis of a contemporary marketplace platform using the framework of Islamic economic law, offering insights into the alignment—or misalignment—between digital consumer financing and Sharia norms. The study concludes that a reconstruction of the paylater system is needed to ensure compliance with Islamic legal standards, thereby promoting fair and ethical digital transactions.Keywords: Marketplace; Paylater; DSN-MUI Fatwa; Digital Transactions; Sharia Economic Law.

Pengaruh Budaya Organisasi dan Disiplin Kerja Terhadap Kinerja Karyawan pada Bank Umum Syariah dengan Lingkungan Kerja sebagai Variabel Moderasi Armilda Sandraningtyas; Toto Suharto; Ridwan Widagdo
CIEBER: Contemporary Islamic Economic and Business Review Vol. 1 No. 1 (2025): CIEBER: Contemporary Islamic Economic and Business Review
Publisher : Fakultas Ekonomi dan Bisni Islam UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cieber.v1i1.3

This research aims to measure and analyze the influence of organizational culture and work discipline on employee performance at Sharia Commercial Banks in Kuningan Regency, with the work environment as a moderating variable. The method used in this research is hypothesis testing with a quantitative approach. The population in this study were all employees of Sharia Commercial Banks in Kuningan Regency. Samples were taken using the total sample technique. The number of samples taken and used in this research was 35 employees. Data collection techniques use questionnaires distributed directly. The data analysis method used is Moderated Regression Analysis with the help of SPSS software version 22. The research results show that organizational culture has a positive and significant effect on employee performance, with a calculated t value = 3.420 > t table and a significance level = 0.002 < 0.05. Work discipline has a positive and significant effect on employee performance, with a calculated t value = 4.809 > t table and a significance level of 0.000 < 0.05. The work environment is unable to moderate the influence of organizational culture on employee performance, with a parameter coefficient value (β) of 0.007 and a significance level = 0.307 > 0.05. The work environment negatively moderates (weakens) the influence of organizational culture on employee performance, with a parameter coefficient value (β) of -0.016 and a significance level = 0.048 <0.05.

Pengaruh ROA dan FDR Terhadap Struktur Modal Pada Bank Umum Syariah di Indonesia Tahun 2019-2023 Ade Azizah; Toto Suharto; Mohammad Iqbal
CIEBER: Contemporary Islamic Economic and Business Review Vol. 1 No. 2 (2025): CIEBER: Contemporary Islamic Economic and Business Review
Publisher : Fakultas Ekonomi dan Bisni Islam UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cieber.v1i2.9

This research aims to investigate the effect of profitability and liquidity on the capital structure of Sharia Commercial Banks (BUS) in Indonesia during the 2019-2023 period. Using samples from 10 BUS, this research analyzes data covering 50 observations to test the proposed hypothesis. The analytical method used is multiple linear regression to determine the relationship between the independent variables profitability and liquidity and the dependent variable capital structure as measured by the Capital Adequacy Ratio (CAR). The research results show that liquidity has a positive and significant influence on capital structure, while profitability has a negative influence on capital structure. These findings indicate that increasing liquidity, as measured through the Financing to Deposit Ratio (FDR), contributes to increasing the Capital Adequacy Ratio (CAR), which is an important indicator of a bank's financial health. This research also emphasizes the importance of effective liquidity management in supporting a healthy capital structure in Sharia Commercial Banks (BUS). Thus, the results of this research contribute to the development of capital structure theory and financial management practices in the Islamic banking industry. It is hoped that this research can become a reference for future researchers and provide insight for bank management in making decisions regarding liquidity and capital structure.

Strategi Funding dan Kepatuhan Syariah pada Pembiayaan Mudharabah: Studi pada BTN Syariah Cirebon Muhammad Luthfi Hakim Saputro; Didi Sukardi; Toto Suharto
CIEBER: Contemporary Islamic Economic and Business Review Vol. 2 No. 1 (2026): Kinerja Keuangan Lembaga Keuangan Syariah
Publisher : Fakultas Ekonomi dan Bisni Islam UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cieber.v2i1.18

The purpose of this study is to determine the marketing funding strategy for mudharabah financing and the. views of the DSN MUI fatwa on its implementation at BTN Syariah, Cirebon City. The research method used by the author is a qualitative method with a case study approach and data analysis techniques. In this study, the method of data reduction, data presentation, and conclusion was used. The results of this study are the Marketing Funding Strategy in Mudharabah Financing from the Perspective of the DSN MUI Fatwa in BTN Syariah. There are several ways, namely 1) Implementation of the marketing funding strategy by face. to face, door to door, utilizing social media such as Instagram, WhatsApp, and websites. In addition, it also uses selling marketing techniques and sales science techniques. 2) The. obstacles and efforts made by BTN Syariah Kota Cirebon include. obstacles such as the incompatibility of the products offered, public understanding, for the efforts made, always discussing with the head office or branches, and providing education to prospective. customers or the public. 3) The provisions of the DSN MUI Fatwa are already binding and have met the regulations given, so that the validity of its legality can be operated by BTN Syariah Kota Cirebon.

Sharia Economic Law Analysis of Paylater Features in Online Marketplace Transactions Abdul Fatakh; Eka Rosanti; Toto Suharto; Dila Annisa
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 10 No. 1 (2025)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v10i1.20292

The advancement of digital technology has significantly transformed buying and selling systems, particularly through online marketplace platforms. One notable innovation is the paylater payment scheme, which allows consumers to defer payments after completing transactions. While this method offers practical convenience, it raises critical concerns from the perspective of Sharia economic law, especially regarding the elements of riba (interest), gharar (uncertainty), and transactional justice. This study aims to analyze the implementation of paylater features in the Hijabequlla marketplace by examining their compliance with Sharia economic principles. Using a qualitative descriptive method, data were collected through observation, interviews, and literature review. The findings reveal that although the paylater scheme facilitates online purchases, its current implementation shows potential violations of Sharia provisions—particularly those outlined in the DSN-MUI Fatwa No. 1 of 2004 concerning interest-based transactions. The novelty of this research lies in its contextual analysis of a contemporary marketplace platform using the framework of Islamic economic law, offering insights into the alignment—or misalignment—between digital consumer financing and Sharia norms. The study concludes that a reconstruction of the paylater system is needed to ensure compliance with Islamic legal standards, thereby promoting fair and ethical digital transactions.Keywords: Marketplace; Paylater; DSN-MUI Fatwa; Digital Transactions; Sharia Economic Law.

M-DIN Application Strategy of Bank Muamalat KCP Kuningan in the Era of Bank Digitalization Abdul Ghoni; Tria Lestari; Toto Suharto; Alvien Septian Haerisma
el-Jizya: Jurnal Ekonomi Islam Vol. 12 No. 1 (2024): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v12i1.10551

In the era of digitalization, the banking sector undergoes significant transformation to meet the increasingly sophisticated and mobile demands of customers. Bank Muamalat, as a leading Islamic bank in Indonesia, is not exempt from the pressure to innovate and adapt to technological changes. This research employs a qualitative method with a case study approach at Bank Muamalat KCP Kuningan. Data is collected through interviews with internal bank informants and customers, as well as direct observations. The research findings indicate that the operational procedures of the M-DIN application at Bank Muamalat are proven to be simple and user-friendly, providing convenience from registration to the creation of Transaction Identification Numbers (TIN). The bank adopts a proactive strategy with innovative features, including aspects of Islamic principles and unique services, demonstrating awareness of technological innovation. Active education provided to customers by bank employees successfully increases user interest in M-DIN. The application is directed to every customer opening an account, resulting in a significant increase in M-DIN adoption by Bank Muamalat.

ANALYSIS OF FACTORS INFLUENCING EMPLOYMENT OPPORTUNITIES IN WEST JAVA PROVINCE IN 2015-2020 Syuhada Akbar; Alivien Septian Haerisma; Toto Suharto
Journal of Economic Development and Village Building Vol. 1 No. 1 (2023): Journal of Economic Development and Village Building
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/jedvb.v1i1.4

The study aims to determine the impact of GRDP, PMDN, and FDI on job opportunities in West Java Province, either partially or simultaneously. This study used a quantitative research method which was conducted from January to June 2022. The data used came from the Central Statistics Agency (BPS) www.bps.go.id. The sampling technique used was purposive sampling. Processing flow the collected data is processed with SPSS version 20 and data testing is carried out, namely: Classical Assumption Test, Model Test, and Hypothesis Test. The results showed that GRDP had an effect on employment opportunities as evidenced by t count (17.485) > t-table (4.30265) and Sig count (0.003) < 0.05. PMDN affects the number of workers needed, t-count (133.218) > t-table (4.30265), and Sig count (0.000) < 0.05. Likewise, foreign investment has an effect on the required workforce with t-count (22.762) > t-table (4.30265) and Sig count (0.002) < 0.05. Gross Regional Domestic Product, Domestic Investment, and Foreign Investment have a simultaneous effect on employment opportunities, with F count (6247.864) > F table (19.00) and Sig count (0.000) < 0.05. So it can be stated that the GRDP, PMDN, and FDI variables simultaneously have a significant effect on the employment opportunity variable.

Strategi Pengembangan Produk Pada Bank Syariah Indonesia Dalam Meningkatkan Pembiayaan Murabahah Abdul Kholik; Dewi Fatmasari; Toto Suharto
Inkubis : Jurnal Ekonomi dan Bisnis Vol. 5 No. 1 (2023): INKUBIS Jurnal Ekonomi dan bisnis
Publisher : Politeknik Siber Cerdika Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59261/inkubis.v5i1.68

Penelitian ini bertujuan untuk mengetahui permasalahan dan kendala dalam pembiayaan murabahah di BSI KCP Arjawinangun; untuk mengetahui solisi dan penyelesaian permasalahan pembiayaan di BSI KCP Arjawinangun.dan ; untuk mengetahui bagaimana strategi pengembangan pada BSI KCP Arjawinangun. Penelitian ini menggunaakan pendekatan kualitatif deskriptif, dengan jenis penelitian studi kasus pada objek. Penelitian deskriptif memusatkan perhatian kepada pemecahan masalah dengan mengumpulkan data lapangan, menyusun data aktua mengenai strategi pengembangan produk pada bank syariah Indonesia dalam meningkatkan pembiayaan murabahah sebagaimana adanya pada saat penelitian dilaksanakan. Dari hasil penelitian yang telah dilakukan diketahui bahwa strategi pengembangan produk pembiayaan murabahah sudah dilakukan dengan baik, karena kepuasan nasabah sangat penting apabila pembiayaan murabahah sesuai dengan kebutuhan atau harapan nasabahnya. Dapat disimpulkan bahwa Dalam strategi pengembangan produk pembiayaan murabahah kepuasan nasabah lebih diutamakan sesuai dengan kebutuhan, keinginan dan harapan nasabah dapat terpenuhi melalui pembiayaan murabahah.

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