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Sri Herianingrum

Departemen Ekonomi Syariah - Fakultas Ekonomi Dan Bisnis - Universitas Airlangga

Author-ID : 515114

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Penerapan Vector Auto Regression (VAR) Pada Jakarta Islamic Index Dan Variabel Makro Ekonomi Inayah S. Ratih; Mukhtar Adinugroho; Sri Herianingrum
Jurnal Ekonomi Vol. 24 No. 3 (2019): November 2019
Publisher : Fakultas Ekonom dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/je.v24i3.601

Penelitian ini menganalisis hubungan ekonomi makro yaitu kurs rupiah terhadap dollar, inflasi, IPI, BI Rate dan pasar modal syariah dengan menggunakan Jakarta Islamic Index. Data yang digunakan dalam penelitian ini mulai periode Januari 2006 sampai Desember 2015. Metode analisis data yang digunakan adalah Vector Autoregression (VAR). Hasil penelitian menyatakan bahwa Variabel JII secara statistic signifikan mempengaruhi Kurs, Inflasi mempengaruhi JII namun variabel JII secara statistic tidak signifikan mempengaruhi Inflasi. Variabel JII secara statistic signifikan mempengaruhi BI Rate namun tidak terjadi hubungan sebaliknya. Sedangkan variabel IPI dan JII sama-sama tidak saling mempengaruhi baik secara searah maupun dua arah. Variabel Inflasi dan Kurs, keduanya tidak saling mempengaruhi. Respon tingkat JII terhadap guncangan dari dirinya sendiri pada periode pertama yang mana berbeda pada saat periode 2 hingga periode 10 mengalami penurunan. JII lebih banyak dipengaruhi oleh Inflasi kemudian disusul oleh Kurs, kemudian BI Rate dan yang terakhir IPI.

Analisa Kinerja Keuangan Bank Muamalat Syariah Di Indonesia Ryan Rahmah Maulayati; Najiatun; Muhammad Sanusi; Sri Herianingrum
Jurnal Ekonomi Vol. 25 No. 1 (2020): March 2020
Publisher : Fakultas Ekonom dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/je.v25i1.625

The purpose of this study is to analyse the performance of a banking financial institution which is Muamalat Bank in Indonesia (BMI). Financial performance describes the condition and health of the bank. The sampling technique used in this study is saturated samples, which means all populations from 2012 to 2018 period at Muamalat Bank. The method used is multiple regression. The findings of this study are performance analysis at BMI using Non Performing Finance (NPF), Finance to Deposit Ratio (FDR), Operational Income Operating Expenses (BOPO) variables which have significant effect on Return on Assets (ROA). However NPFÂ and BOPO variables are negatively related.

Pengaruh GDP, Ekspor Dan Investasi Terhadap Inflasi Di Lima Negara Anggota IDB Novita; Sri Herianingrum
Jurnal Ekonomi Vol. 25 No. 1 (2020): March 2020
Publisher : Fakultas Ekonom dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/je.v25i1.628

The aim of this study is to find out how much influence GDP, exports and investment have on inflation in the five IDB member countries, namely Guinea, Malaysia, Indonesia, Brunei and Jordan. The results obtained by using a quantitative analysis of panel data re-salutations resulted that there was an influence of GDP, exports and investment on inflation but not significantly to these five IDB member countries. Many outlier factors also influenced one of them because the interest-free economy began to be implemented. This study wants to observe what factors influence inflation in the country of Guinea which is one of the IDB member countries that has the poorest characteristics among other countries. The results obtained using quantitative analysis methods of multiple linear regression panel data and classical assumptions produced that the three independent variables affect the dependent variable but are not significant. Where the relationship between DGP and inflation is positive, meaning that if GDP rises, inflation also rises. While the relationship between exports and investment to inflation is negative. This means that if exports rise, inflation will decrease and if investment rises, inflation will fall. So in general the government policies of the five IDB member countries must be more pro-aligned to raise the level of exports and investment in the country both foreign investment and domestic investment to help reduce the level of domestic inflation.

HALALAN THAYYIBAN: THE KEY OF SUCCESSGUL HALAL FOOD INDUSTRY DEVELOPMENT Tamimah Tamimah,; Sri Herianingrum; Inayah Swasti Ratih; Khofidlotur Rofi’ah; Ummi Kulsum
Ulumuna: Jurnal Studi Keilsman Vol 4 No 2 (2018)
Publisher : LP2M IAI Miftahul Ulum Pamekasan

This study aims to see the role of halal and thayyib food which can support the success of the halal food industry. Because at this time the diversity of food circulating in the community began to a very popular pattern of life. Starting from local food, even imported food has become a public interest in consumption. However, this diversity raises doubts about whether the food consumed has met the standards of halal and thayyib. Presently, halal and thayyib food is not only a basic obligation for consumers to consume, but has become the basic key to the development of a global halal food industry considering halal and thayyib foods are not only sought after by Muslim consumers, but non-muslim consumers are interested in halal products because security is guaranteed. The research method used uses literature studies by searching for various literature that is relevant to this research. The implications of this research are as a strategy for food industries to use halal and thayyib standards in their industrial development so that they can survive and be able to compete with other industries.

TINJAUAN MAQASHID SYARIAH TERHADAP KONSUMSI Annisa Masruri Zaimsyah; Sri Herianingrum
Ulumuna: Jurnal Studi Keilsman Vol 5 No 1 (2019)
Publisher : LP2M IAI Miftahul Ulum Pamekasan

The purpose of this paper to look at consumer ethics in the view of maqasid sharia, because of the high level of consumption of a Muslim who is not in accordance with Islamic principles. In consuming a Muslim must also look at the maslahah of the products consumed. Maqasid sharia is the basis for a Muslim to consume halal food. Maqosid sharia is very necessary to be described so as to provide an understanding of the rationale based on sharia for humanity to live according to Islamic law. In consuming consumer behavior, it must be based on what has been regulated by Islamic law, namely: consuming Halal and Service Goods which are permitted which are clearly halal and haram, consumption for life in the world and the hereafter, paying attention to expenditure patterns so that income and expenditure are balanced, unlimited human desires but consumption must be balanced, a standard of living that is simple and not extravagant, does not accumulate wealth, and considers halal and haram what is consumed. So that to meet primary, secondary and tertiary needs must be in accordance with Islamic principles.

ANALISIS PERKEMBANGAN PRAKTIK BAITUL MAAL PADA MASA DAULAH ISLAMIYAH DAN DALAM KONTEKS DI INDONESIA Risa Sari Pertiwi; Sri Herianingrum; Ridan Muhtadi; Mumuh Muhammad
Ulumuna: Jurnal Studi Keilsman Vol 6 No 1 (2020)
Publisher : LP2M IAI Miftahul Ulum Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36420/ju.v6i1.3699

Purpose of this study is to analyze the development of the Baitul Maal practice during the Daulah Islamiyah era and in the context of Indonesia. This study uses a qualitative approach was used through library research using various relevant library materials and previous literature studies. The main finding of this research is that the development of Baitul Maal during the Daulah Islamiyah period always experienced developments in terms of institutional, administrative, construction of central and local Baitul Maal sites and fiscal policy in the distribution of Baitul Maal assets. The main sources of income of Baitul Maal in the early days of Islamic development were khums, zakat, kharaj and jizyah in which the amount, duration and usage were based on the Qur'an and Hadith, while the expenditure of Baitul Maal funds during the Islamic State was focused on the public service sector. Nowadays, there are several different aspects between the Daulah Islamiyah and Indonesia which can be seen concepts, institutions, roles and functions, sources of income and types of expenditure Baitul Maal.

THE EMPOWERMENT MODEL OF CASH WAQF TO IMPROVE EDUCATION QUALITY IN ZAKAT INSTITUTIONS Sri Herianingrum; Tika Widiastuti
IJIBE (International Journal of Islamic Business Ethics) Vol 1, No 1 (2016): March 2016
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.1.1.53-65

Islam has many solutions in addressing the issue of limitations in education. That is cash waqf. Cash waqf, is expected to narrow the gap between rich and poor society by means of transfering of wealth (the profits from managing cash waqf) from rich to poor. The purpose of this study is to analyze the cash waqf empowerment model in an effort to improve the quality of education. The method is done by in depth-interview with the boards (Leader and Manager program) of Yatim Mandiri, administrators of YKN (Independence Nusantara Foundation), and the staffs of Insan Cendekia Mandiri Boarding School. Limitation of this paper is to investigate the three institutions of zakat mentioned earlier. The results showed that waqfin the form of movable or immovable objects can be utilized and provide benefits to the society. The role of waqf, especially in improving the quality of education, is still limited to the purchase of land. The land is used for institution building of Insan Cendekia Mandiri Boarding School. There is a model of cashwaqf empowerment in the institution of zakat (Yatim Mandiri) that can be replicated in other institutions of zakat. The structure of this paper are: Section 1 describe the development of cash waqfin Indonesia; Section 2 is literature review about cash waqf; Section 3 explain the research model used in this paper; Section 4 is discussion; and the last Section 5 is the authors conclusion and authors recommendation to improve the empowerment of cash waqf.

Pengaruh Kecukupan Modal, Fungsi Intermediasi, Pembiayaan Bermasalah, dan Biaya Operasional Terhadap Profitabilitas Indusstri Bank Syariah Periode Januari 2010-Desember 2012 Mega Ayu Maharanie; Sri Herianingrum
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 1 No. 2 (2014): Februari-2014
Publisher : Universitas Airlangga

The objectives of this research to analyze the influence of capital adequacy as measured by Capital Adequacy Ratio (CAR), intermediary functions as measured by Non Performing Financing (NPF), financial problems as measured by Financing to Deposit Ratio (FDR), and operational cost as measured by BOPO to profitability as measured by Return On Asset (ROA) of Islamic Banking Industry in the period of 2010-2012. The population used for the study is Islamic banks whose financial statements have been published to Bank Indonesia from 2010-2012. The sampling techniques is cencus sampling, so the sample in this study is every unit in a population. The data of this study used secondary data from the website of Bank Indonesia. The method of data analysis which was used is multiple linier regression analysis.From the result of analyse indicate that CAR, NPF, and BOPO variables has significantly affcet in partial toward ROA at level of significant less than 0,05, but only FDR variable has no significantly affect to the ROA. While, CAR, FDR, NPF, and BOPO variables in simultan has no affect to the ROA with a significance level of 0,000. REFERENCESAlmilia, Luciana Spica, dan Winny Herdiningtyas. 2005. Analisis Rasio CAMEL terhadap Prediksi Kondisi Bermasalah pada Lembaga Perbankan Periode 2000-2002. Jurnal Akuntansi dan Keuangan, (Online), Vol. 7(2): 131-147, (http://www.almilia.com, diakses 5 Desember 2013).Al-Quran dan Terjemahannya. Syamil AlQuran. Penerjemah: Tim Penerjemah Depag RI. Bandung: Sygma Examedia Arkanleema.Bank Indonesia. 2001. Lampiran Surat Edaran Bank Indonesia No. 3/30 DPNP tanggal 14 Desember 2001, Perihal Laporan Keuangan Publikasi Bank Umum kepada Bank Indonesia. Jakarta: Bank Indonesia.-------------. 2004. Surat Edaran Bank Indonesia No. 6/73/Intern DPNP tanggal 24 Desember 2004, Perihal Pedoman Sistem Penilaian Tingkat Kesehatan Bank Umum (CAMELS Rating). Jakarta: Bank Indonesia.-------------. 2010a. Statistik Perbankan Syariah Desember 2010. Jakarta: Bank Indonesia, (http://www.bi.go.id, diakses 5 Februari 2014).-------------. 2010b. Laporan Perkembangan Perbankan Syariah 2010. Jakarta: Bank Indonesia, (http://www.bi.go.id, diakses 5 Februari 2014).-------------. 2011a. Statistik Perbankan Syariah Desember 2011. Jakarta: Bank Indonesia, (http://www.bi.go.id, diakses 5 Februari 2014).-------------. 2011b. Laporan Perkembangan Perbankan Syariah 2011. Jakarta: Bank Indonesia, (http://www.bi.go.id, diakses 5 Februari 2014).-------------. 2012a. Statistik Perbankan Syariah Desember 2012. Jakarta: Bank Indonesia, (http://www.bi.go.id, diakses 5 Februari 2014).-------------. 2012b. Laporan Perkembangan Perbankan Syariah 2012. Jakarta: Bank Indonesia, (http://www.bi.go.id, diakses 5 Februari 2014).Dendawijaya, Lukman. 2000. Manajemen Perbankan. Edisi Pertama. Jakarta: Ghalia Indonesia.Fitriani, Prastiyaningtyas. 2010. FaktorFaktor yang Mempengaruhi Profitabilitas Perbankan. Skripsi tidak diterbitkan. Semarang: Fakultas Ekonomi Universitas Diponegoro.Ghozali, Imam. 2007. Pengaruh Capital Adequacy Ratio, Financing to Deposit Ratio, Rasio Biaya Operasional terhadap Pendapatan Operasional, dan Non Performing Loan terhadap Profitabilitas Bank Syariah Mandiri Periode Januari 2004-Oktober 2006. Skripsi tidak diterbitkan. Yogyakarta: Fakultas Ekonomi Universitas Islam Indonesia.Gozali, Imam. 2001. Aplikasi Analisis Multivariate dengan Program SPSS. Semarang: Fakultas Ekonomi Universitas Diponegoro Semarang.-------------. 2004. Model Persamaan Struktural: Konsep dan Aplikasi dengan Program AMOS Ver. 5.0. Semarang: Fakultas Ekonomi Universitas Diponegoro Semarang.-------------. 2007. Manajemen Risiko Perbankan Pendekatan VAR. Semarang: Fakultas Ekonomi Universitas Diponegoro Semarang. Ikatan Akuntansi Indonesia (IAI). 2004. Standar Akuntansi Keuangan. Jakarta: Salemba Empat.Ismawati, Dwi. 2009. Pengaruh Financing to Deposit Ratio, Cash Ratio, Capital Adequacy Ratio, dan Dana Pihak Ketiga terhadap Tingakt Profitabilitas pada PT. Bank Syariah Mandiri, Tbk. Periode 2006-2008. Skripsi tidak diterbitkan. Yogyakarta: Fakultas Syariah UIN Sunan Kalijaga.Mahardian, Pandu. 2008. Analisis Pengaruh CAR, BOPO, NPL, NIM, dan LDR terhadap Kinerja Perbankan. Skripsi tidak diterbitkan. Semarang Fakultas Ekonomi Universitas Diponegoro.Mawardi, Wisnu. 2005. Analisis FaktorFaktor yang Mempengaruhi Kinerja Keuangan Bank Umum di Indonesia (Studi Kasus pada Bank Umum dengan Total Asset Kurang dari 1 Triliun). Jurnal Bisnis Strategi, (Online), Vol. 14 (1): 83-94, (http://eprints.undip.ac.id, diakses 10 Desember 2013)Mintarti, Sri. 2009. Implikasi Proses Take Over Bank Swasta Nasional Go Public terhadap Tingkat Kesehatan dan Kinerja Bank. Jurnal Keuangan dan Perbankan, (Online), Vol. 13 (2): 346-358, (http://katalog.library.perbanas.ac.i d, diakses 10 Desember 2013)Muhammad. 2005. Manajemen Dana Bank Syariah. Jogjakarta: Ekonisia.Muljono, Teguh Pudjo. 1999. Aplikasi Akuntansi Manajemen dalam Praktik Perbankan. Edisi Ketiga. Jogjakarta: BPFE.Nurkhosidah, Siti. 2009. Analisis Pengaruh Variabel Non Performing Financing, Penyisihan Penghapusan Aktiva Produktif, Financing to Deposit Ratio, Biaya Operasional per Pendapatan Operasional terhadap Profitabilitas pada Bank Syariah Mandiri. Skripsi tidak diterbitkan. Yogyakarta: Fakultas Syariah UIN Sunan Kalijaga.Nusantara, Ahmad Buyung. 2009. Analisis Pengaruh NPL, CAR, dan BOPO terhadap Profitabilitas Bank (Perbandingan Bank Umum Go Publik dan Bank Umum Non Go Publik di Indonesia Periode Tahun 2005-2007). Tesis tidak diterbitkan. Semarang Program Studi Magister Manajemen Universitas Diponegoro.Pohan, Aulia. 2002. Arah dan Perkembangan Kebijakan Perbankan Nasional. Ventura, (Online), Vol. 5 (1): 1-13, (http://www.academia.edu, diakses 10 Desember 2013).Republik Indonesia. Peraturan Pemerintah Nomor 72 Tahun 1992 Tentang Bank Berdasarkan Prinsip Bagi Hasil.-------------. Undang-undang Nomor 7 Tahun 1992 tentang Perbankan. Tahun tebit. Jakarta: PT Sinar Grafita.-------------. Undang-undang Nomor 20 Tahun 2008 tentang Perbankan Syariah. 2009. Jakarta: PT Sinar Grafita.-------------. Undang-undang Nomor 21 Tahun 2008 tentang Perbankan Syariah. 2009. Jakarta: PT Sinar Grafita.-------------. Peraturan Bank Indonesia No. 13/1/PBI/2011 tanggal 5 Januari 2011 tentang Penilaian Tingkat Kesehatan Bank Umum.-------------. Peraturan Bank Indonesia No. 4/1/PBI/2002 tanggal 1 April 2002 tentang Perubahan Kegiatan Usaha Bank Umum Konvensional Menjadi Bank Umum Berdasarkan Prinsip Syariah dan Pembukaan Kantor Bank Berdasarkan Prinsip Syariah oleh Bank Umum Konvensional.Riyadi, Selamet. 2006. Banking and Assets and Liability Management. Edisi Ketiga. Jakarta: Fakultas Ekonomi Universitas Indonesia.Riyanah. 2007. Pengaruh Non Performing Financing, Debt to Equity Ratio, dan Loan to Deposit Ratio terhadap Profitabilitas Keuangan (Studi di BMT Mitra Usaha Mulia Yogyakarta). Skripsi tidak diterbitkan. Yogyakarta: UIN Sunan Kalijaga.Sarifudin, Muhammad. 2005. Faktor-Faktor yang Mempengaruhi Laba pada Perusahaan Perbankan yang Listed di BEJ Periode 2000 s/d 2002. Tesis tidak diterbitkan. Semarang Pascasarjana Magister Manajemen Universitas Diponegoro.Siamat, Dahlan. 2005. Manajemen Lembaga Keuangan. Jakarta: Fakultas Ekonomi Universitas Indonesia.Susanto, Budi Riyadi. 2007. Analisis Pengaruh Capital Adequacy Ratio, Loan to Deposit Ratio, Biaya Operasional per Pendapatan Operasional, Dana Pihak Ketiga, dan Kualitas Aktiva terhadap Tingkat Profitabilitas pada PT. Bank Muamalat Indonesia. Skripsi tidak diterbitkan. Yogyakarta: UIN Sunan Kalijaga.Suyono, Agus. 2005. Analisis Rasio-Rasio Bank yang Berpengaruh Terhadap ROA. Tesis tidak diterbitkan. Semarang Pascasarjana Magister Manajemen Universitas Diponegoro.Werdaningtyas, Hesti. 2002. Faktor yang Mempengaruhi Profitabilitas Bank Take Over Pramerger di Indonesia. Jurnal Manajemen Indonesia, (Online), Vol. 1 (2): 24-39, (http://digilib.ui.ac.id, diakses 10 Desember 2013)Yuliani. 2007. Hubungan Efisiensi Operasional dengan Kinerja Profitabilitas pada Sektor Perbankan yang Go Public di Bursa Efek Jakarta. Jurnal Manajemen dan Bisnis Sriwijaya, (Online), Vol. 5(10): 15-43, (http://digilib.unsri.ac.id, diakses 20 Desember 2013).

Efektivitas Target Pembiayaan Baitul Maal Wa Tamwil Surya Gemilang Desa Sedayulawas Kecamatan Brondong Kabupaten Lamongan Abdul Muiz Hamid; Sri Herianingrum
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 1 No. 2 (2014): Februari-2014
Publisher : Universitas Airlangga

This study aims to determine the effectiveness of targeted financing in BMT Surya Gemilang village Sedayulawas Brondong distridt of Lamongan through the financing to its customers and financial report statements, as well as the customers’ trust in taking capital.This study used a qualitative approach and descriptive case study. To collect the data, this study uses purposive sampling and snowball technique. The results of this study show that the effectiveness of targeted financing is annually achieved as planned by BMT Surya Gemilang. This is reflected in the provision of financing to customers and the financial reports which always reach the target as well as the smooth repayment of loans by customers. REFERENCESAl-Qur'an dan Terjemahanya. 2005. Syamil Al Qur'an. Bandung: PT. Syaamil Cipta Media.Andriani. 2005. BAITUL MAAL WAT TAMWIL Konsep dan Mekanisme di Indonesia,(Online), Volume 14, No.2, http://idb2.wikispaces.com/file/vi ew/rd2012.pdf, diakses 14 April 2012).Antonio, Muhammad Syafi’i. 2001. Bank Syariah: Dari Teori ke Praktik. Jakarta: Gema Insani Press.---------. 2005. Manajemen Dana Bank Syariah, Edisi Pertama. Jakarta: Gema Insani Press.Dewan Syariah Nasional MUI. 2000. Fatwa DSN MUI No. 04/DSNMUI/IV/2000 Tentang Murabahah.-------- . 2000. Fatwa DSN MUI No. 05/DSNMUI/IV/2000 Tentang Jual Beli Salam.-------- . 2000. Fatwa DSN MUI No. 06/DSN-MUI/IV/2000 Tentang Jual Beli Istishna’.-------- . 2000. Fatwa DSN MUI No. 07/DSN-MUI/IV/2000 Tentang Pembiayaan Mudharanah (Qiradh).-------- . 2000. Fatwa DSN MUI No. 08/DSN-MUI/IV/2000 Tentang Pembiayaan Musyarakah.-------- . 2000. Fatwa DSN MUI No. 09/DSN-MUI/IV/2000 Tentang Pembiayaan Ijarah.-------- . 2001. Fatwa DSN MUI No. 19/DSNMUI/IV/2001 Tentang Al-Qardh.-------- . 2002. Fatwa DSN MUI No. 27/DSNMUI/III/2002 Tentang Al-Ijarah AlMuntahiyah Bi Al-Tamlik.Huda, Nurul dan M. Heykal. 2010. Lembaga Keuangan Islam: Tinjauan Teoretis dan Praktis. Jakarta: Prenada Media Group.Ibnu Rusyd, Muhammad Ibnu Ahmad Ibnu Muhammad. 1988. Bidayatul Mujtihad wa Nihayatul Muqtashid. Beirut: Darul-Qalam.Ilmi, Makhalul. 2002. Teori dan Praktek Lembaga Mikro Keuangan Syariah. Yogyakarta: UII Press.Karim, Adiwarman. 2004, Bank Islam Analisis Fiqih dan Keuangan. Jakarta: PT. Raja Grafindo Persada.Lubis, Suhrawardi. 2004. Hukum Ekonomi Islam. Jakarta: Sinar Grafika.Muhammad. 2006. Bank Syariah Analisa Kekuatan, Kelamahan, Peluang dan Ancaman. Edisi Kedua. Yogyakarta: Ekonisia.Noviandi, Bares Aulia. 2009. Analisis FaktorFaktor Pengambilan Pembiayaan dan Penilaian Efektifitas Pembiayaan Syariah Bagi Usaha Kecil pada BMT Dana Insani Kabupaten Gunung Kidul Propinsi Yogyakarta. Skripsi tidak diterbitkan. Bogor. Fakultas Pertanian Institut Pertanian Bogor.Republik Indonesia. Peraturan Menteri Negara Koperasi dan Usaha Kecil dan Menengah Republik Indonesia No. 35.2/PER/M.KUKM/X/2007. 2007. (online), (http://www.depkop.go.id/regula si/cat_view/34-regulasi/205- peraturan-menteri-kjks-ujkskoperasi-2008.html diakses 2 Mei 2012)Ridwan, Muhammad. 2004. Manajemen Baitul Maal Wat Tamwil (BMT). Yogyakarta: UII Press.Sabiq, Sayyid. 1988. Fikih Sunnah 12. Bandung : PT Al-Ma’Arif.Sakai, Minako & Kacung Marijan. 2008. Mendayagunakan Pembiayaan Mikro Islami, (Online), (www.smeru.or.id/report/training/ menjembatani...dan.../73.pdf, diakses 14 Juli 2012)Sudarsono, Heri. 2008. Bank & Lembaga Keuangan Syariah Deskripsi dan Ilustrasi Edisi Ketiga. Yogyakarta: Ekonisia.Suhendi, Hendi. 2009. Strategi Optimalisasi Peran BMT Sebagai Penggerak Sektor Usaha.Syafar, Muhammad. 2006. Analisis Efektifitas Pembiayaan Sistem Syariah Terhadap Petani Agri Bisnis Sayuran pada Program UPK Ikhtiar Yayasan Perahu Bogor. Skripsi tidak diterbitkan. Bogor. Fakultas Ekonomi Manajemen Institut Pertanian Bogor.Yin, Robert K. 2006. Studi Kasus: Desain dan Metode, Terjemahan. Jakarta: PT Grafindo Persada.

Pengaruh Pembiayaan Dana Baitul Maal Wat Tamwil (BMT) Teladan Terhadap Kinerja Usaha Mikro di Pasar Semolowaru Surabaya Nurul Farida Damayanti; Sri Herianingrum
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 1 No. 3 (2014): Maret-2014
Publisher : Universitas Airlangga

This research aims to find out the influence of funding of BMT Teladan towards microenterprises' performances in Semolowaru’s Market Surabaya. Questionnaires are used to collect the primary data. The data is analyzed by using one of quantitative approaches which is simple regressive analysis. The samples of the analysis are 30 BMT Teladan customers who have been partners for at least one years. Purposive sampling is used as it eases the researcher to take detailed informations and it also appropriate towards the aim of the research.The result of the research shows that the BMT Teladan funding which covers Ijarah and Murabahah financing are indeed influential towards micro-enterprises' performances in increasing earnings and asset of micro-enterpreneur in Semolowaru’s Market Surabaya. BMT Teladan shoud provide stronger internal factors for increasing the performances of micro-enterprises such as developing and empowering human resources (microenterpreneur). The successes and failures of an enterprise or a business relies on the capability of its human resources especially in applying business strategy. In other words, the success of an enterprise is determined by the quality of its human resources as microenterpreneurs. It is hoped for the next further research to use a broaderfactor (internal and external) that influences the performance of micro-enterprises. REFERENCESAli, Suryadharma. 2008. Pemaknaan Ulang Terhadap Konsep Pemberdayaan Dalam Memandirikan UMKM. Orasi Disampaikan Dalam Dies Natlies Ke 56 Universitas Sumatera Utara. Medan.Amalia, Euis. 2009. Keadilan Distribusi Dalam Ekonomi Islam Penguatan Peran LKM dan UKM di Indonesia. Jakarta : PT. Rajagrafindo PersadaAmalia, Puspita Demy. 2010. Peran Lembaga Amil Zakat Dalam Pemberdayaan Ekonomi Miskin. Skripsi tidak diterbitkan. Fakultas Ekonomi dan Bisnin, Universitas Airlangga.Anshori, Muslich dan Sri Iswati. 2009. Metodologi Penelitian Kuantitatif (Bahan Ajar). 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Co-Authors Aam Slamet Rusydiana, Aam Slamet Abd Rohim Abdul Muiz Hamid Abdul Muiz Hamid, Abdul Muiz Abdurrahman Mi'raj, Denizar Ach. Yasin Aditya Nurrahman Afifah Nur Millatina Ahmad Fadlur Rahman Bayuny Ahmad Fahmi Abdurrahman AHMAD RIYADI Ahmad Riyadi Aidi Faiz Romadoni al Agawany, Ziad Mhmmad Wafik Al-Faizin, Abdul Wahid Alan Nur, Muhammad Aldeen, Khaled Nour Alfin Maulana Ali Shah, Syed Alamdar Alifah Aditania Alim, M. Sahirul Alvira Aina A'yun Alvira Aina A'yun Amri Ahmadi Annisa Masruri Zaimsyah Annisa Masruri Zaimsyah Arif Dwi Harnoko Arifin, Nur Rachmat Arikha Nur Adhilla Armanto, Andre Azhar Alam Bagus Wilarnugroho Bahril, Muthi Adilah Baitul Hamdi Baitul Hamdi Budi, Ryan Setya Cipto, Disca Aprilinda Deby Eirma Maretha Diah Putri Pravita Sari Diah Putri Pravita Sari, Diah Putri Pravita Dul Candra Dwi March Trisnawaty Eko Fajar Cahyono, David Kaluge Elfira Rizki Rahmadhani Faishol Luthfi Faizurrahman, Umar Haidar Fitri Drasmawita Fitria Nurma Sari Fitriani Fitriani FITRIYAH, SAYYIDATUL Fuhairah, Muhammad Tiar Fuhairah Hafidhotul Amaliyah Hakimi, Fifi Hanesti, Elsi Mersilia Hanifiyah Yuliatul Hijriah, Hanifiyah Yuliatul Haryo Firas Tunas Kuncoro Hasan, Agus Suaidi Hasyim, Fuad Hidayat, Muhammad Rachmad Hilmy Zein Honesty Nur Firdaus Hosfaikoni Hadi, Nizar Ibnu Affan Iffa Amalia Iffa Amalia, Iffa Ihdina Sabilal Haq Imam Gracia Marshall Imron Mawardi Imronjana Syapriatama Inayah S. Ratih Inayah Swasti Ratih Inayah Swasti Ratih Indirwan, Syanisma Insani, Taqiyah Dinda Ira Humaira Hany Irham Zaki Irma Andriyaningtyas Jaenudin, M Khaled Nour Aldeen Khalwat Asyaria Khalwat Asyaria Khofidlotur Rofiâ€™ah Khofidlotur Rofi’ah KHURUL AIMMATUL UMMAH Kurnia, Riana Aflika Eka Larasati, Pradipta Puspita Lestari Dwi Astuti Lestari, Nurrizka Puji Lina Aprilianti Luthfiyatillah Luthfiyatillah Luthfiyatillah, Luthfiyatillah Mamduh, Muhammad Faizul Masruhatul Abadiyah Masruhatul Abadiyah, Masruhatul Mauizhotul Hasanah Maya Masita Septiarini Mega Ayu Maharanie Mega Ayu Maharanie, Mega Ayu Melzatia, Haura Hazimah Meri Indri Hapsari, Meri Indri Miftahur Rahman Miftahurrahman, Miftahurrahman Millatina, Afifah Nur Millatina, Afifah Nur Millatina, Nur Afifah Misbahul Muniroh Muh Novriansyah Muhamad Nafik Hadi Ryandono, Muhamad Nafik Muhamad Wahyudi Muhamad Wahyudi, Muhamad Muhammad Adam Muhammad Alan Nur Muhammad Cholil Muhammad Nabil Muhammad Raihan Mauludin Muhammad sanusi Muhammad Ubaidillah Al Mustofa Muhammad Ubaidillah Al-Mustofa Muhammad Wicaksono Hasdyani Putra Mujahidah, Sitti Hamidah Mujahidah, Sitti Hamidah Mulyatiningsih Mulyatiningsih Mulyatiningsih, Mulyatiningsih Mumuh Muhammad Muthi Adillah Bahril Nabila Nabila Nafi’ah, Bariyyatin Naily Rohmah Najiatun Najiatun Najmudin Nida Laili Fitriyah Nida Laili Fitriyah Nisful Laila Novian Abdi Firdausi Novita Novita Novita Nugraha, Fajar Putra Nur Afifah Millatina Nur Liviasari Yulma Nur Puji Rohmawati Nur Rachmat Arifin Nur Rachmat Arifin Nur Rachmat Arifin Nurillah, Shinta Lintang Nurrizka Puji, Lestari Nurul Farida Damayanti Nurul Farida Damayanti, Nurul Farida Nurul Huda Nurul Huda Nuzulul Atiah, Isti Pertiwi, Tanza Dona Pradipta Aditya Pradipta Aditya, Pradipta Pradipta Puspita Larasati Pradipta Puspita Larasati Prasetya, Renata Agung Prasetya, Renata Agung Pratita, Deftyan Hadi Puji Sucia Sukmaningrum Puspita Rachman Putra, Muhammad Wicaksono Hasdyani Putri Amalia Zahrah Putri, Aura Permata Rachma Indrarini Rachmania Nurul Fitri Amijaya Radatiya Chorul Achiroh Rani, Lina Nugraha Ratih, Inayah Swasti Rendra Akbar Rendra Akbar, Rendra Reza Ramadhan Riana Afliha Eka Kurnia Riana Afliha Eka Kurnia, Riana Afliha Eka Ridan Muhtadi Ririn Tri Ratnasari Risa Sari Pertiwi Risa Sari Pertiwi Risanda A. Risanda Alirastra Budiantoro Rizky Pratama Putra Rizky Pratama Putra Robani, Anidah Binti Rohmah Niah Musdiana, Rohmah Niah Romadhani, Karunia Rusanti, Ega Rusmita, Sylva Alif Ryan Rahmah Maulayati Ryan Rahmah Maulayati Samsul Arifin SAYYIDATUL FITRIYAH Sholikhin, Mohammad Yusron Sitti Hamidah Mujahidah Sofiaturrohmah, Siti Sofyan, Syathir Soleh, Nurah Badrus Sri Abidah Suryaningsih Sri Ningsih Sri Yayu Ninglasari Sudoto, Sudoto Sulistya Rusgianto Supriani, Indri Supriono Supriono Susanto, Arva Athallah Syaifullah Syarifuddin Syarifuddin Tamimah Tamimah Tamimah Tamimah Tamimah Tamimah Tamimah, Tamimah, Tamimah Tata Leni Lestari Tika Widiastuti Tjiptohadi Sawarjuwono UMMAH, KHURUL AIMMATUL Ummi Kulsum Ummi Muthi`ah Fathy, Ummi Muthi`ah Wahab, Abd. Wijayanti, Ida Yan Putra Timur Yayan Firmansah Zulfikri Charis Darmawan

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