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Faktor-Faktor Yang Mempengaruhi Minat Usahatani Bawang Merah Di Dataran Tinggi (Desa Bandorasa Kulon Kecamatan Cilimus Kabupaten Kuningan) Sukaesih; Yayat Rahmat Hidayat; R. Eviyati
Paradigma Agribisnis Vol 6 No 2 (2024): Paradigma Agribisnis
Publisher : lembaga penelitian universitas swadaya gunung jati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33603/jpa.v6i2.9023

Shallots have many benefits for human life, especially as one of the food flavoring seasonings consumed by the people of Indonesia. Along with the increase in population, the need for shallots has increased, motivating farmers to increase shallot production in Bandorasa Kulon Village. This study aims to (1) determine the condition of land suitability, availability of production inputs, market potential and experience of shallot farming in Bandorasa Kulon Village (2) determine the influence of land suitability, availability of production inputs, market potential and farming experience on the interest of shallot farming in Bandorasa Kulon Village. This method and type of research uses descriptive quantitative methods with survey approach techniques. The data analysis used is multiple linear regression analysis. The samples in this study were as many as 55 shallot farmers. The results showed that (1) the land suitability variabel was in the “very suitable” category, the availability of production inpits was in the “available” category, the market potential variabel was in the “very likely” category, the farming experienced variabel was in the interest variabel was in the “experienced” category, and interest variabels in the category “highly interested” (2) Land suitability, availability of production inputs, market potential and experience together affect the interest of shallot farming in Bandorasa Kulon Village while farming experience has a negative effect.Keywords: Shallots, farming interests

Faktor-Faktor Yang Mempengaruhi Minat Usahatani Bawang Merah Di Dataran Tinggi (Desa Bandorasa Kulon Kecamatan Cilimus Kabupaten Kuningan) Sukaesih; Yayat Rahmat Hidayat; R. Eviyati
Paradigma Agribisnis Vol 6 No 2 (2024): Paradigma Agribisnis
Publisher : lembaga penelitian universitas swadaya gunung jati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33603/jpa.v6i2.9023

Shallots have many benefits for human life, especially as one of the food flavoring seasonings consumed by the people of Indonesia. Along with the increase in population, the need for shallots has increased, motivating farmers to increase shallot production in Bandorasa Kulon Village. This study aims to (1) determine the condition of land suitability, availability of production inputs, market potential and experience of shallot farming in Bandorasa Kulon Village (2) determine the influence of land suitability, availability of production inputs, market potential and farming experience on the interest of shallot farming in Bandorasa Kulon Village. This method and type of research uses descriptive quantitative methods with survey approach techniques. The data analysis used is multiple linear regression analysis. The samples in this study were as many as 55 shallot farmers. The results showed that (1) the land suitability variabel was in the “very suitable” category, the availability of production inpits was in the “available” category, the market potential variabel was in the “very likely” category, the farming experienced variabel was in the interest variabel was in the “experienced” category, and interest variabels in the category “highly interested” (2) Land suitability, availability of production inputs, market potential and experience together affect the interest of shallot farming in Bandorasa Kulon Village while farming experience has a negative effect.Keywords: Shallots, farming interests

Pengaruh BI Rate, Inflasi, Kurs, dan DPK terhadap Pembiayaan Mudharabah Eva Apriani; Yayat Rahmat Hidayat
Jurnal Riset Perbankan Syariah Volume 4, No. 1, Juli 2025, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v4i1.6666

Abstrak. Penelitian ini dilatarbelakangi oleh fluktuasi pembiayaan mudharabah di Bank Panin Dubai Syariah periode 2019–2023, kesenjangan antara teori dan praktik, serta inkonsistensi hasil penelitian sebelumnya terkait pengaruh faktor makroekonomi dan Dana Pihak Ketiga (DPK). Penelitian ini bertujuan untuk mengetahui pengaruh parsial dan simultan BI rate, inflasi, nilai tukar rupiah, dan DPK terhadap pembiayaan mudharabah. Metode yang digunakan adalah kuantitatif dengan data runtun waktu (time series) yang bersumber dari laporan keuangan bulanan Bank Panin Dubai Syariah, situs resmi Bank Indonesia, dan Kementerian Perdagangan. Teknik analisis data menggunakan regresi linier berganda melalui program EViews 12. Hasil penelitian menunjukkan bahwa secara parsial, BI rate dan DPK berpengaruh positif dan signifikan terhadap pembiayaan mudharabah. Inflasi berpengaruh negatif dan signifikan, sedangkan nilai tukar rupiah tidak berpengaruh signifikan. Secara simultan, keempat variabel tersebut berpengaruh signifikan terhadap pembiayaan mudharabah dengan nilai determinasi (R²) sebesar 90,9%. Ini berarti 90,9% variasi pembiayaan mudharabah dapat dijelaskan oleh variabel-variabel tersebut. Keterbatasan penelitian ini terletak pada minimnya variabel faktor internal dan periode penelitian yang relatif singkat, sehingga belum menggambarkan tren dan pengaruh jangka panjang secara menyeluruh. Abstract. This study is motivated by the fluctuation of mudharabah financing at Bank Panin Dubai Syariah during the 2019–2023 period, the gap between theory and practice, and inconsistencies in previous research regarding the influence of macroeconomic factors and Third-Party Funds (DPK). The aim is to examine the partial and simultaneous effects of the BI rate, inflation, rupiah exchange rate, and DPK on mudharabah financing. This research uses a quantitative method with time series data sourced from the bank’s monthly financial reports, the official websites of Bank Indonesia, and the Ministry of Trade. Data were collected through literature review and documentation, and analyzed using multiple linear regression with EViews 12. The results show that, partially, the BI rate and DPK have a positive and significant effect on mudharabah financing, while inflation has a negative and significant effect. The rupiah exchange rate has no significant effect. Simultaneously, all four variables significantly influence mudharabah financing, with an R² value of 90.9%, indicating that 90.9% of the variation in mudharabah financing is explained by these variables. The study is limited by the absence of internal factors and the short research period, which may not fully capture long-term trends and impacts.

Pengaruh Pertumbuhan Ekonomi, Inflasi, BI-Rate, dan Tingkat Bagi Hasil Terhadap Pembiayaan Mudharabah pada Bank Victoria Syariah Periode 2013-2024 10010321033, Muhmmad Noval; Akhmad Yusup; Yayat Rahmat Hidayat
Bandung Conference Series: Syariah Banking Vol. 4 No. 2 (2025): Bandung Conference Series: Syariah Banking
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v4i2.20036

Abstract. The Islamic banking industry in Indonesia has experienced significant progress, particularly reflected in the growth of financing through mudharabah contracts. However, mudharabah financing at Bank Victoria Syariah during the period 2013–2024 exhibited fluctuating patterns influenced by various internal and external factors. This study aims to analyze the effect of economic growth, inflation, BI-Rate, and profit-sharing rate on mudharabah financing both partially and simultaneously. A quantitative method was employed using secondary data from annual financial reports, analyzed with multiple linear regression through Eviews 12 software at a 5% significance level. The results indicate that partially, economic growth, BI-Rate, and profit-sharing rate have a significant negative effect on mudharabah financing, while inflation shows no significant effect. Simultaneously, all independent variables significantly influence mudharabah financing with an Adjusted R-squared value of 92.29%, indicating that these factors collectively explain 92.29% of the variation in mudharabah financing, while the remainder is affected by other factors outside the model. These findings provide important insights for managing mudharabah financing in Islamic banking Abstrak. Perkembangan industri perbankan syariah di Indonesia mengalami kemajuan signifikan, terutama terlihat dari pertumbuhan pembiayaan dengan akad mudharabah. Namun, pembiayaan mudharabah di Bank Victoria Syariah selama periode 2013–2024 menunjukkan pola fluktuatif yang dipengaruhi oleh berbagai faktor internal dan eksternal. Penelitian ini bertujuan untuk menganalisis pengaruh pertumbuhan ekonomi, inflasi, BI-Rate, dan tingkat bagi hasil terhadap pembiayaan mudharabah, baik secara parsial maupun simultan. Metode yang digunakan adalah kuantitatif dengan data sekunder berupa laporan keuangan tahunan, dianalisis menggunakan regresi linier berganda melalui perangkat lunak Eviews 12 dengan tingkat signifikansi 5%. Hasil penelitian menunjukkan bahwa secara parsial, pertumbuhan ekonomi, BI-Rate, dan tingkat bagi hasil berpengaruh negatif signifikan terhadap pembiayaan mudharabah, sementara inflasi tidak berpengaruh signifikan. Secara simultan, seluruh variabel independen berpengaruh signifikan dengan nilai Adjusted R-squared sebesar 92,29%, menunjukkan bahwa faktor-faktor tersebut bersama-sama menjelaskan 92,29% variasi dalam pembiayaan mudharabah, sedangkan sisanya dipengaruhi oleh faktor lain di luar model. Temuan ini memberikan wawasan penting bagi pengelolaan pembiayaan mudharabah di perbankan syariah.

Pengaruh Lelang Agunan Terhadap Tingkat Pembiayaan Bermasalah di Bank BJB Syariah 10010321030, Saefullah Yusuf; Yayat Rahmat Hidayat; Eva Misfah Bayuni
Bandung Conference Series: Syariah Banking Vol. 4 No. 2 (2025): Bandung Conference Series: Syariah Banking
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v4i2.20042

Abstract. The issue of non-performing financing (NPF) is a major challenge in Islamic banking risk management because it can increase the potential for losses. One solution is collateral auctions, which involve the sale of collateral assets to cover customer liabilities. This study aims to analyze the effect of the frequency and value of collateral auctions on the NPF level at Bank BJB Syariah for the 2014–2024 period. The method used was quantitative, with simple linear regression analysis using EViews 12 software, using secondary data from auction realization reports and the annual NPF ratio. The results indicate that collateral auctions have a significant and negative effect on non-performing financing, with every 1% increase in auction implementation reducing the NPF ratio by 0.234%. These findings are expected to provide strategic recommendations for Islamic banks in managing financing risk by optimizing the auction process and serve as a basis for developing policies for resolving non-performing financing that are efficient and in accordance with Sharia principles. Abstrak. Permasalahan pembiayaan bermasalah (Non-Performing Financing/NPF) merupakan tantangan utama dalam manajemen risiko perbankan syariah karena dapat meningkatkan potensi kerugian. Salah satu solusi yang digunakan adalah lelang agunan, yaitu penjualan aset jaminan untuk menutup kewajiban nasabah. Penelitian ini bertujuan menganalisis pengaruh frekuensi dan nilai lelang agunan terhadap tingkat NPF di Bank BJB Syariah periode 2014–2024. Metode yang digunakan adalah kuantitatif dengan analisis regresi linier sederhana melalui software EViews 12, menggunakan data sekunder dari laporan realisasi lelang dan rasio NPF tahunan. Hasil penelitian menunjukkan bahwa lelang agunan berpengaruh signifikan dan negatif terhadap pembiayaan bermasalah, dengan setiap kenaikan 1% pelaksanaan lelang dapat menurunkan rasio NPF sebesar 0,234%. Temuan ini diharapkan dapat menjadi rekomendasi strategis bagi bank syariah dalam mengelola risiko pembiayaan melalui optimalisasi proses lelang, serta menjadi dasar dalam penyusunan kebijakan penyelesaian pembiayaan bermasalah yang efisien dan sesuai prinsip syariah.

Toward Net Zero: Islamic Financial Innovation in The Carbon Economy Nanik Eprianti; Mohamad Andri Ibrahim; Popon Srisusilawati; Yayat Rahmat Hidayat
al-Afkar, Journal For Islamic Studies Vol. 9 No. 1 (2026)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v9i1.2787

Green finance has gained significant momentum in recent years, but its alignment with Islamic finance principles remains under-explored, particularly in the context of carbon pricing and carbon trading mechanisms. This is illustrated by the fact that climate change has prompted the global community to adopt various strategies, including the development of carbon market mechanisms. Exploring the potential of the carbon market as an effective tool in reducing greenhouse gas emissions, while considering the principles of Islamic finance. This study aims to develop Sharia-based sustainable financial instruments as a strategy to address the impacts of climate change through the utilization of the carbon market. This research method uses a qualitative approach that combines bibliometric analysis, policy document reviews, and expert interviews. This study identifies critical gaps in the integration of Islamic finance with carbon market mechanisms and the design of sustainable financial instruments that comply with Sharia principles. This study uses a qualitative approach with a descriptive-exploratory method. A qualitative approach is used to understand in depth the concepts, phenomena, and characteristics of Islamic financial instruments and how they can be implemented in the carbon market. The findings show that Islamic finance has great untapped potential to mobilize ethical capital and share risks for climate-friendly projects, especially in Muslim-majority countries and emerging economies. Nevertheless, regulatory standardisation, sharia governance frameworks, and investor education remain key challenges that must be addressed to enhance the scalability and credibility of such instruments. By bridging the gap between Islamic finance and carbon economy strategies, this study contributes to the growing discourse on green Islamic finance and offers practical policy recommendations to strengthen the role of Islamic financial institutions in achieving both national and global net-zero targets.

Pengaruh Etika Bisnis Islam dan Promosi terhadap Minat Menabung di Bank Syariah Radhia Rahmi Khairunnisa; Yayat Rahmat Hidayat; Eva Misfah Bayuni
Jurnal Riset Perbankan Syariah Volume 4, No. 2, Desember 2025, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v4i2.8393

Abstrak. Penelitian ini bertujuan untuk mengkaji pengaruh implementasi etika bisnis Islam dan promosi terhadap minat pedagang di Balubur Town Square (Baltos) Bandung untuk menggunakan layanan bank syariah. Latar belakang penelitian ini didasari oleh rendahnya penggunaan bank syariah di kalangan pedagang, meskipun mayoritas penduduk Indonesia adalah Muslim. Penelitian menggunakan metode kuantitatif dengan pendekatan survei terhadap 94 pedagang yang dipilih secara purposive Data dikumpulkan melalui kuesioner tertutup dan diolah menggunakan software SPSS versi 27. Hasil analisis menunjukkan bahwa secara parsial, promosi berpengaruh signifikan terhadap minat pedagang, sementara implementasi etika bisnis Islam tidak memiliki pengaruh signifikan. Namun, secara simultan, kedua variabel tersebut berpengaruh signifikan terhadap minat menggunakan bank syariah, dengan kontribusi sebesar 57,3%. Hasil ini mengindikasikan bahwa pendekatan promosi yang intensif dan edukatif lebih efektif dalam meningkatkan minat pedagang dibanding sekadar penerapan nilai etika bisnis. Penelitian ini merekomendasikan penguatan strategi promosi dan literasi keuangan syariah bagi pelaku UMKM. Terima kasih disampaikan kepada seluruh pihak yang telah berkontribusi dalam pelaksanaan penelitian ini. Abstract. This study aims to examine the influence of Islamic business ethics implementation and promotion on traders’ interest in using Islamic banking services at Balubur Town Square (Baltos), Bandung. The research is motivated by the low utilization of Islamic banks among traders, despite Indonesia having the largest Muslim population. This study uses a quantitative method with a survey approach involving 94 purposively selected traders. Data were collected using a closed-ended questionnaire and analyzed using SPSS version 27. The results indicate that promotion has a significant partial effect on traders’ interest, while the implementation of Islamic business ethics does not show a significant effect. However, both variables simultaneously have a significant influence, contributing 57.3% to the traders' interest in using Islamic banks. These findings suggest that intensive and informative promotion strategies are more effective in increasing interest than ethical alignment alone. The study recommends enhancing promotional efforts and Islamic financial literacy among MSME actors. The authors express gratitude to all parties who supported the completion of this research.

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