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All Journal Journal of Accounting and Investment Jurnal Ekonomi & Studi Pembangunan BERDIKARI : Jurnal Inovasi dan Penerapan Ipteks
Muchamad Imam Bintoro, Muchamad Imam
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Computer Science & IT Economics, Econometrics & Finance Education

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Pemberdayaan UMKM Berbasis Penilaian Agunan Sebagai Upaya Peningkatan Akses Ke Perbankan Bintoro, Muchamad Imam
Berdikari: Jurnal Inovasi dan Penerapan Ipteks Vol 5, No 2 (2017): August
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/bdr.5223

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) di Indonesia menunjukkan perkembangan yang menggembirakan. Perkembangan ini tentu saja tidak terlepas dari peran perbankan. Akan tetapi, permasalahan yang sering muncul adalah banyaknya permohonan kredit dari UMKM yang ditolak bank karena alasan kecukupan nilai agunan. Bergerak dari permasalah ini maka perlu dilakukan kegiatan untuk memberikan pengetahuan baik teori maupun praktek terkait dengan penilaian agunan bagi UMKM. Kegiatan pemberdayaan UMKM ini dilaksanakan berkat kerjasama yang baik dengan praktisi penilai agunan (appraisal) dari Kantor Jasa Penilai Publik dan Pusat Pengembangan Manajemen FE UMY. Pelibatan pihak appraisal dipandang penting karena pada prakteknya profesi inilah yang diberikan otoritas oleh bank untuk menentukan nilai dari agunan calon debiturnya. Kerjasama dengan PPM FE UMY dilakukan karena lembaga ini mempunyai telah mempunyai mitra binaan UMKM di Daerah Istimewa Yogyakarta. Kata Kunci : UMKM, bank, kredit, nilai
PROJECT EVALUATION IN AN ISLAMIC PERSPECTIVE: SURVEY OF SELECTED LITERATURE Muqorobin, Masyhudi; Bintoro, Muchamad Imam
Jurnal Ekonomi & Studi Pembangunan JESP Volume 6 Nomor 2, Oktober 2005
Publisher : Universitas Muhammadiyah Yogyakarta

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Abstract

Controversy over some issues in Islamic economics of project evaluation centers basically around the role of interest as a determining-basis for discount rates, because of the interest prohibition in Islam. Apart from the question of the discount rates, the issue of incorporating social costs and benefits into any scheme of evaluation becomes especially important in the Islamic perspective. This paper reviews 30 books and selected papers on the relevant subject, and establishes three main findings. First, unlike mainstream position that relies on Fisher’s work, Islamic economics conceives time preference as not a mere consumption phenomenon, but rather of production. This finding perceives this mainstream concept as the “fallacy” of Fisherian approach Related with goods and resources, they are endowed to all human being, therefore, all resources (and all goods) are perceived initially as public goods, and satisfy both the criteria of public goods (non-rivalry and non-exclusion) to human being. Private ownership is lawful under Islmically legitimate means so that public goods, externality, and other related concepts are perceived differently from those in conventional economics. Finally, the basic difference between Islamic and conventional economics is that human behavior in Islam is imbued by ethical values. This difference necessitates different methodological justification in project evaluation. As such part two attempts to provide some departures from the conventional approach.
Performance Budgeting: Suatu Alternatif Pencapaian Good Governance Pratolo, Suryo; Bintoro, Muchamad Imam
Journal of Accounting and Investment Vol 4, No 2: July 2003
Publisher : Universitas Muhammadiyah Yogyakarta, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (175.163 KB)

Abstract

We hope that District Autonomy implementation does not move the Corruption, Collusion Nepotism (KKN) from central government to the central of district. If it is happened, it will make the only part of center district people wealth. To avoid this matter, the district government must manage it financial efectively. One of the district financial management object is district expenditure using the budget mechanism. There are many method in budgeting system. They are line item budgeting and Performance one. Recently, Indonesian characteristic budgeting system is like the  line item budgeting that have so many weakness (Baswir, 1999). This article discus about the line item and performance budgeting characteristic. The second characteristic is more advantages than the first relatively. So in this article, the researchers try to promote the district expenditure concept base on performance budgeting. The aim of this article is giving the description about how the performance budgeting support district expenditure management in achieving good governance, so the Indonesian district autonomy can be implemented successfully.
Co-Authors Masyhudi Muqorobin Suryo Pratolo