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All Journal BISNIS: Jurnal Bisnis dan Manajemen Islam Daya Saing : Jurnal Ilmu Manajemen International Journal of Islamic Business and Economics (IJIBEC)
Ade Chandra
STEI Iqra Annisa Pekanbaru, Indonesia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Other

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IMFIs Strategy to Survive in the Covid-19 Outbreak and Government Respond Analysis : An Empirical Study from Pekanbaru, Indonesia Budi Trianto; Ade Chandra; Marabona Munthe
BISNIS Vol 8, No 2 (2020): BISNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Fakultas Ekonom dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v8i2.8731

Abstract

The Covid-19 outbreak had a broad impact on the economy and also on the business sector. One of the business sectors affected by Covid-19 is Islamic Microfinance Institutions (IMFIs). This study aims to explore the strategies taken by IMFIs during the Covid-19 pandemic and to explore the government's policy response toward the Covid-19 disaster. This research was conducted in Pekanbaru using a qualitative approach and using primary data and secondary data in conducting the analysis. Primary data were taken directly from research respondents through in-depth interviews with IMFIs managers. Meanwhile, secondary data were obtained from the government and other sources. The results of this study indicate that the approach strategy taken by IMFIs in responding to the Covid-19 outbreak is a Generic Strategy Approach which consists of cost leadership, focus cost, differentiation and cost differentiation. Meanwhile, the government policy responded taken to save IMFIs from the Covid-19 storm through profit margin subsidies. Unfortunately, the implementation in the field has experienced many obstacles that have greatly disturbed the economic recovery program launched by the government. The results of this study have implications for IMFIs that in order to survive the Covid-19 pandemic, IMFIs must adapt an appropriate strategies. In addition, this study also provides recommendations for the government to simplify the procedure for disbursing profit margin subsidies for IMFIs so that it is hoped that the policy will truly benefit IMFIs and business actors. 
Organizational Support, Mustahiq Micro-Business Development and Poverty Alleviation: A Comparison Analysis Between BAZNAS and LAZNAS Budi Trianto; Evan Hamzah Muchtar; Ade Chandra; Masrizal Masrizal; Tasiu Tijjani Sabiu
International Journal of Islamic Business and Economics (IJIBEC) Vol. 5 No. 2 (2021): IJIBEC VOL. 5 NO. 2 DECEMBER 2021
Publisher : Faculty of Islamic Economics and Business of UIN K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v5i2.3731

Abstract

This study aims to investigate whether the organizational support provided by BAZNAS and LAZNAS has a positive impact on the success of micro business development programs and poverty alleviation. The population in this study are mustahiq who have received an empowerment program from BAZNAS and LAZNAS with a total sample size are 89 mustahiq. Data were collected using a questionnaire with a Likert scale of 1 – 5 and were analyzed using Path Analysis. The results of this study indicate that the organizational support provided by LAZNAS tends to be better when compared BAZNAS. This study also found an important fact that the mustahiq micro-business development program was able to alleviate poverty. The results of this study imply that to get a maximum result of mustahiq micro-business development, BAZNAS must evaluate and innovate the mustahiq micro-business development program. Meanwhile, LAZNAS must provide more optimum support for capital assistance and mentoring to get a maximum impact. This is the first study in comparing the micro-business development between BAZNAS and LAZNAS in Indonesia.
MENGUKUR KINERJA KEUANGAN BERDASARKAN RASIO PERBANKAN SYARIAH MASA PANDEMI COVID-19 DI INDONESIA Ade Chandra; Irma Yunita
Jurnal Daya Saing Vol 9 No 1 (2023)
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/dayasaing.v9i1.1277

Abstract

Measuring the financial performance of Sharia banking or Islamic banking namely Islamic Commercial Banks (BUS), Islamic Business Units (UUS) and Islamic Rural Banks (BPRS) during the Covid-19 Pandemic in Indonesia using quantitative methods through financial ratios namely ROA, NPF, FDR and REO since March 2020 to August 2022. Data based on the Financial Services Authority's Sharia Banking Statistics from 13 BUS, 20 UUS and 166 BPRS. The results of the study found that during the Covid-19 pandemic, Islamic Banking Financial Ratios, namely ROA ranked 1st and higher at UUS, NPF ranked 1st lower at UUS, FDR ranked 2nd lower at BUS and REO ranked 1st lower at UUS. Islamic banking financial performance during the Covid-19 pandemic in Indonesia based on financial ratios was better at UUS, followed by BUS and BPRS. This shows that Islamic Banking in Indonesia, especially UUS, is able to adapt well to the Covid-19 pandemic so that financial performance is on target.
Co-Authors Budi Trianto Irma Yunita Masrizal Masrizal Munthe, Marabona Tasiu Tijjani Sabiu