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All Journal Economica: Jurnal Ekonomi Islam Al-Muzara'ah
Ali Sakti
Bank Indonesia
Economics, Econometrics & Finance Social Sciences Other

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Pemetaan Kondisi dan Potensi BMT: Kemitraan dalam Rangka Memperluas Pasar & Jangkauan Pelayanan Bank Syariah kepada Usaha Mikro Ali Sakti
AL-MUZARA'AH Vol. 1 No. 1 (2013): AL-MUZARA'AH (June 2013)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (687.941 KB) | DOI: 10.29244/jam.1.1.1-18

Abstract

The limitations faced by Islamic Bank in terms of range, scope, service network and low competency of human resources serving micro and small enterprises have made linkage and partnership with Islamic microfinance institutions such as BMT become very important. On the other hand, weaknesses of BMT industry, such as the availability of information about the profile and performance of BMT, need to be enhanced by conducting surveys in the area that become the centers of BMT operation. Therefore, this study attempts to survey the condition and potential of BMT in three provinces in Java, namely West Java, Central Java and East Java. Survey on major variables such as asset volume and BMT financial performance shows very high variation. The findings also show that fundamental reform of governance is highly required, especially with respect to regulation and supervision of the BMT industry. In the short term, improvements can be made by optimizing the role of the Association of BMT and BMT Agencies. In general, based on various indicators, the performance of BMT in Central Java is better than those in East Java and West Java
Determinants of Public Participation in Retail Cash Waqf Linked Sukuk (Retail CWLS): Evidence from Indonesia Atika Masrifah; Mufti Afif; Aimatul Yumna; Ali Sakti
Economica: Jurnal Ekonomi Islam Vol. 16 No. 2 (2025)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2025.16.2.27880

Abstract

Indonesia continues to be the world leader in sukuk; on the other hand, Islamic social finance has not yet developed in the country. As of today, six series of Retail Cash Waqf Linked Sukuk (SWR001-SWR006) have been issued in the market; however, there is still a gap in both objectives policy and public goals. Micro-level studies on the behavior of retail investors have been neglected, while a majority of the studies have focused on macro-level studies of the regulatory environment. This research attempts to analyze public participation in Retail Cash Waqf Linked Sukuk (Retail CWLS) to gain an understanding of the dynamics, potential, and policy implications through the lens of the Analytic Network Process (ANP). Primary data through in-depth interviews with middle government officials of Indonesia is used to analyze interdependent relationships and feedback loops of barriers to Retail CWLS and prioritize them for policy recommendations. Results of this research state that for Retail CWLS to improve, there is a need to strengthen, invest, measure social impact, and identify the motivators of the investors. Investors demand fund distribution transparency, digital platforms that are easy to use, and competitive returns.
Co-Authors Aimatul Yumna Atika Rukminastiti Masrifah Mufti Afif