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All Journal Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Al Fiddhoh: Journal of Banking, Insurance, and Finance
Desiana Desiana
Institut Agama Islam Negeri Kerinci
Religion Economics, Econometrics & Finance Social Sciences

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PENGARUH FASILITAS DAN INTELEKTUALITAS TERHADAP KINERJA KARYAWAN PT. BANK PERKREDITAN RAKYAT PEMBANGUNAN KERINCI Elex Sarmigi; Edia Satria; Syukrawati Syukrawati; Desiana Desiana
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 4 No. 1 (2023): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v4i1.1133

Abstract

This study aims to determine the effect of facilities and intellectuality on employee performance at PT. Bank Perkreditan Rakyat Pembangunan Kerinci. The population in this study amounted to 40 people, namely all employees of PT. People's Credit Bank for Kerinci Development. While the sample size of 35 respondents with the sampling technique Probability Sampling is a sampling method in which every member of the population has the same opportunity to be selected as a sample. The data analysis technique used in this research is Multiple Linear Regression Analysis. The study results stated a significant influence between facilities and intellect on the performance of employees of PT. BPR Pembangunan Kerinci partially or simultaneously has a significant influence.
Unlocking Real Sector Growth through Sukuk: Regulatory Challenges and Developmental Impacts in Indonesia Desiana Desiana; Raddine Salsabila; Elex Sarmigi
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 17 No. 1 (2025)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v17i1.44906

Abstract

This study explores how sukuk regulations boost investor participation and impact productive sectors in Indonesia. Using a normative juridical approach, it examines relevant laws and literature. Findings show that regulations from OJK, DSN-MUI, and the Ministry of Finance have supported sukuk market growth. However, complex issuance procedures and limited secondary market liquidity remain key challenges. Despite this, sukuk has contributed to infrastructure, green energy projects, and MSME development. The study recommends simplifying regulations, enhancing market liquidity, and innovating sukuk products to strengthen their role in driving sustainable economic growth. Keywords: sukuk; regulatory effectiveness; Islamic capital markets; infrastructure finance; MSMEs; green sukuk; productive sector   Abstrak Penelitian ini mengkaji efektivitas regulasi sukuk dalam mendorong partisipasi investor dan dampak ekonominya pada sektor produktif di Indonesia. Dengan pendekatan yuridis normatif, penelitian ini menelaah peraturan dan literatur terkait. Studi ini menunjukkan bahwa regulasi dari OJK, DSN-MUI, dan Kementerian Keuangan mendukung pertumbuhan pasar sukuk. Namun, prosedur penerbitan yang kompleks dan terbatasnya likuiditas pasar sekunder masih menjadi tantangan utama. Meski demikian, sukuk telah berkontribusi pada pembangunan infrastruktur, proyek energi hijau, dan pengembangan UMKM. Studi ini merekomendasikan penyederhanaan regulasi, peningkatan likuiditas pasar, dan inovasi produk sukuk untuk memperkuat perannya dalam mendorong pertumbuhan ekonomi berkelanjutan. Kata kunci: sukuk; efektivitas regulasi; pasar modal syariah; pembiayaan infrastruktur; UMKM; green sukuk; sektor produktif
Co-Authors Edia Satria Raddine Salsabila Syukrawati Syukrawati