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All Journal Jurnal Ekonomi dan Bisnis Islam Jurnal Layanan Masyarakat (Journal of Public Service)
Muhammad Ubaidillah Al Mustofa
Development Studies Department, Faculty Of Creative Design And Digital Business, Institute Of Technology Sepuluh Nopember, Indonesia
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences Other

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PENINGKATAN PENDAPATAN NELAYAN TRADISIONAL MELALUI PENDAMPINGAN MANAJEMEN USAHA DAN PEMASARAN PRODUK OLAHAN IKAN Imron Mawardi; Tika Widiastuti; Yossy Imam Candika; Muhammad Ubaidillah Al Mustofa
Jurnal Layanan Masyarakat Vol. 6 No. 2 (2022): JURNAL LAYANAN MASYARAKAT
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jlm.v6i2.2022.267-276

Abstract

Desa Weru merupakan salah satu dari dua Pusat Pendaratan Ikan (PPI) di Kecamatan Paciran, Kabupaten Lamongan. Kelompok Nelayan Desa Weru merupakan kelompok nelayan yang dibentuk untuk membantu para nelayan masyarakat desa Weru dalam memenuhi kebutuhan melaut hingga sebagai naungan badan hukum. Berdasarkan survei pendahuluan, Kelompok Nelayan Desa Weru memiliki dua permasalahan utama dalam menghasilkan produk olahan ikan, yaitu aspek produksi dan pemasaran. Tidak adanya standarisasi dalam memproduksi makanan olahan ikan menjadi permasalahan pada aspek produksi. Sedangkan pada aspek pemasaran, masyarakat selama ini menjual produk olahan ikan tanpa memperhatikan aspek pemasaran yang baik. Program Pemberdayaan Masyarakat yang bekerjasama dengan Dinas Koperasi dan Dinas Kelautan dan Perikanan memberikan pelatihan mengolah ikan belo dan memasarkannya dengan baik. Ikan belo merupakan ikan yang sangat melimpah di desa tersebut. Pelatihan ini diharapkan mampu membekali para ibu-ibu nelayan untuk menghasilkan produk yang memiliki nilai jual tinggi serta meningkatkan taraf ekonomi.
THE IMPACT OF PRODUCTIVE AND CONSUMPTIVE FINANCINGS ON INDONESIAN ISLAMIC BANKING PROFITABILITY: MARKOV SWITCHING DYNAMIC REGRESSION Wahyu Wibisono Wahid; Imron Mawardi; Muhammad Ubaidillah Al Mustofa; Mohammad Haidar Risyad; Dzikri Nurrohman; Nuria Latifah
Jurnal Ekonomi dan Bisnis Islam | Journal of Islamic Economics and Business Vol. 9 No. 1 (2023): JANUARY-JUNE 2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v9i1.45639

Abstract

This study investigates the effect of Islamic bank financings on banks' profitability during two distinct periods, namely stable and unstable conditions. This study also examines the profitability tendencies of banks during the two periods mentioned. To answer these objectives, this study applies the Markov Switching Dynamic Regression technique to 173 monthly observations from the Islamic commercial banking industry from December 2007 to March 2022. In stable times, the results indicate that productive financing harms the profitability of Islamic banks. Productive financing entails greater credit risk and can raise principal-agent concerns, moral hazard, and adverse selection. Consequently, productive financing necessitates higher monitoring costs. In an unstable period, consumptive financing negatively affects Islamic bank profitability. The proportion of consumptive financing exceeds the proportion of productive financing. This then increases the risk of credit and default, especially during economic instability when many consumers request reconditioning and even restructuring of financings from the bank. In addition, the results indicate that the profitability of Islamic banking is anticipated to endure longer in stable regimes and to recoup more quickly from unstable or crisis regimes. The findings of this study will likely serve as references and materials for banking management decisions, particularly financing decisions during periods of economic stability and crisis. Islamic banking should prioritize consumer financing during periods of economic stability and increase the proportion of productive financing during periods of economic instability.
Co-Authors Dzikri Nurrohman Imron Mawardi Mohammad Haidar Risyad Nuria Latifah Tika Widiastuti Wahyu Wibisono Wahid Yossy Imam Candika