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Comparing Conventional Bank Credit Vis A Vis Shariah Bank Musharakah: Experimental Economic Approach Muhamad Abduh; Yulizar Djamaluddin Sanrego
Tazkia Islamic Finance and Business Review Vol. 3 No. 1 (2008)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v3i1.21

Central Bank of Indonesia with dual banking system – i.e Shariah and Conventional Bank – keep on developing system that considered as an answer to generate the national economic growth. One of the banking activities that emphasized by the Central Bank of Indonesia is fund distribution through either conventional bank credit or shariah bank fi nancing. Having the Experimental Economic Approach based on Induced Value Theory and employing ANOVA, this paper found that shariah bank musharakah fi nancing system would come up with higher profi t opportunity compare to conventional credit system. One main reason is that musharakah fi nancing in shariah bank applies profi t and lost sharing (PLS) scheme so that will not be a burden to the customer when he fi nd low profi t.Keywords: Credit Loan, Musharakah Financing, Induced Value Theory, Experimental Economic Approach, Analysis of Variance (ANOVA).

Preferensi Masyarakat Pesantren Terhadap Bank Syariah (Studi Kasus DKI Jakarta) Fahd Noor; Yulizar Djamaluddin Sanrego
Tazkia Islamic Finance and Business Review Vol. 6 No. 1 (2011)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v6i1.52

Sebagai basis pendidikan Islam, pondok pesantren berpotensi besar dalam pertumbuhan perbankan syariah di Indonesia khususnya di DKI Jakarta. Namun potensi tersebut belum diperhatikan secara maksimal oleh praktisi perbankan syariah. Hal ini dapat diindikasikan dengan masih minimnya masyarakat pesantren yang menjadi nasabah bank syariah. Tulisan ini ingin melihat sejauh mana preferensi masyarakat pesantren terhadap bank syariah khususnya di DKI Jakarta, dengan menggunakan metode regresi logistik (Logit) yang terdiri dari variable dependen ( Y0 = Non-nasabah dan Y1 = Nasabah) dan beberapa variable independen yang terdiri dari pendidikan, penghasilan, pengetahuan, akses, profesionalitas, fasilitas, popularitas dan bunga bank. Dari hasil hasill analisis yang dilakukan diketahui bahwa pengetahuan dan akses sanggat berpengaruh positif terhadap masyarakat pesantren. Sementara profesionalitas dan fasilitas justru berpengaruh negatif, hal ini dikarenakan masih minimnya pengetahuan masyarakat pesantren terhadap bank syariah sehingga mereka tidak berminat menggunakan bank syariah bahkan lebih cenderung menggunakan bank konvensional. Sosialisasi akan perbankan syariah di indonesia khususnya di DKI Jakarta terhadap masyarakat masih sangat minim khususnya masyarakat pesantren, dibutuhkannya peran dari seluruh stake holder untuk mendukung serta mensosialisasikan perbankan syariah secara berkelanjutan dan tepat sasaran.JEL Classification : G21Kata Kunci : Perbankan syariah, Masyarakat pesantren, Preferensi

PENGARUH VARIABEL MAKRO DAN MIKRO TERHADAP NPL PERBANKAN KONVENSIONAL DAN NPF PERBANKAN SYARIAH Zakiyah Dwi Poetry; Yulizar Djamaluddin Sanrego
Tazkia Islamic Finance and Business Review Vol. 6 No. 2 (2011)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v6i2.53

This research attempts to identify the effect of macro and micro variables to NPL (Non Performing Loan) in conventional banking and NPF (Non Performing Financing) in syariah banking. The macro and micro variables used in this research are IPI (Industrial Production Index), inflation, exchange rate, SWBI/SBIS (Sertifikat Wadiah Bank Indonesia/Sertifikat Bank Indonesia Syariah), SBI (Sertifikat Bank Indonesia), LDR (Loan to Deposit Ratio), FDR (Financing to Deposit Ratio), and CAR (Capital Adequacy Ratio).This research finds that in short run, there is no significant variables effecting NPL and NPF. In long run significant variables effecting NPL are exchange rate, IPI, inflation, SBI, LDR, and CAR and significant variables effecting NPF are lnER, lnIPI, inflasi, SBIS, FDR_BS, and CAR. According to the IRF result, this research finds that NPF in islamic banking is more stable than NPL in conventional banking to deal with macro and micro variables fluctuation. According to FEVD variables affecting NPL in conventional banking are inflation and SBI; variable affecting NPF in syariah banking is only FDR.JEL Classification: D81,G21Keywords: Non Performing Loan, Non Performing Financing

Sharing Economy of Islamic Microfinance & Its Impact on Social & Financial Inclusion: Social Capital Matter? Yulizar Djamaluddin Sanrego
Tamkin Journal Vol. 2 No. 1 (2023): Tamkin Journal
Publisher : SMART Insight

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The significant role of Islamic microfinance is how they could articulate the colloborative nature of Islamic moral economy in the form ukhuwwah (social capital) among the poor participants’ program. Sharing or collaborative economy in this business platform is how poor participants of Islamic microfinance-group lending model (GLM) based, which considered as unbankable or even un-bmtable share they risk, having mutual trust, cooperative, collective responsibility to have an access to social as well as financial services provided by any form of philanthropy aids. The existence of ukhuwwah (social capital) would become critical informal institutional values that leads to an efficient sharing or collaborative business among the poor participants. The aims of the paper is to highligt the effectiveness of Islamic microfinance-group lending model (GLM) based in Cooperative Empowerment of Baitut Tamkin Tazkia Madani (BTTM) to establish social capital in supporting sharing economy and hence promoting the achievement of social and financial inclusion of the poor participants. Therefore, any kinds of philanthropy for humanitarian aid (including ZISWAH) should pay critical attention to the existence of social capital in order to alleviate poverty as well as to maintain human dignity.

Islamic micro-banking model with a target market of ultra-micro enterprises (case study of BTPN Syariah) Muhari, Syafaat; Nadratuzzaman Hosen, Muhamad; Djamaluddin Sanrego, Yulizar
Jurnal Paradigma Ekonomika Vol. 19 No. 2 (2024): Jurnal Paradigma Ekonomika
Publisher : Program Studi Ekonomi Pembangunan Fakultas Ekonomi dan Bisnis Universitas Jambi

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This research differs from previous research, in that this is focused upon analyzing the performance of the BPTN Syariah (compliant with Islamic banking rules) Bank, which is a commercial financial institution (bank) fully committed to financing the poor of society (ultra-micro enterprises), which comprise its market segment. This financing segment, in the category of ultra-micro and small enterprises, is considered to be one of high risk for a bank, The aim of this research was to evaluate to just what extent the performance of the BTPN Syariah was focused upon the financing of the ultra-micro enterprise segment of the poor of society. Based upon the analysis of the Risk Profile, of Good Corporate Governance, of Earnings, and of Capital (RGEC), it may be concluded that the BTPN Syariah had a much better rating than those of other Islamic banks, with a low level of risk and a high level of profitability. This different performance was brought about by the BTPN Syariah being supported by representatives/agents who empower and guide customers (customer service officers), which had an impact upon the creation of social capital. This showed that customers in the ultra-micro enterprise segment were of low risk when financed, and that the widening of financial access for the poor of society was needed.

Clustering Research on Islamic Empowerment Model using R Uula, Mimma Maripatul; Sanrego, Yulizar Djamaluddin
The Economic Review of Pesantren Vol. 2 No. 2 (2023): The Economic Review of Pesantren
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/erp.v2i2.399

This bibliometric research was conducted to provide a more in-depth picture of the "Islamic Empowerment Model" by analyzing a number of relevant articles that have been published in the Dimensions database. A total of 233 imlia publication documents in the period 2022-2023 became the object of this research. Using bibliometric analysis methods with the help of Biblioshiny-R software, this study seeks to reveal publication trends over time, identify the most prolific authors in this field, explore journals that have a significant impact in related literature, and reveal the main themes that consistently appear in these scientific works. The results show that the number of publications has increased significantly since 2016, reaching a maximum of 52 publications in 2021 and 2022. 2011 was the year with the highest average number of citations throughout the observation period. The Journal of Social Science Research, is the top publishing journal. There are several authors associated with this journal, such as Huda N, Alhifni A, and Ahwarumi B. The next important finding is that there are 3 research clusters including, Islamic empowerment models through Islamic financial instruments, women's empowerment models in Islam, and Islamic empowerment models through pesantren education. The results of this study are expected to provide valuable insights for various parties, including researchers who want to better understand the development of Islamic empowerment literature, practitioners involved in this field, and academics who want to explore this topic in more depth.

MEASURING THE PERFORMANCE OF ISLAMIC BANKING IN INDONESIA: AN APPLICATION OF MASLAHAH-EFFICIENCY QUADRANT (MEQ) Rusydiana, Aam Slamet; Sanrego, Yulizar Djamaluddin
Journal of Islamic Monetary Economics and Finance Vol 3 (2018): SPECIAL ISSUE
Publisher : Bank Indonesia

Despite of market condition under perfect or unperfect competition, Islamic banking has to reach their level of efficiency in order to succeed and make a profit; those who do not will fail and be forced to exit the market. However apart of having a sound performance, Islamic banking also has to comply with the sharia principles. This paper aims to have efficiency and maslahah measurement in one assessment framework that is maslahah-efficiency quadrant (MEQ). The study from 2011-2014 revealed that Bank Muamalat Indonesia (BMI) and Sharia Panin Bank are excellent since both are within the first quadrant. Whereas Bank Sharia Mandiri (BSM), Sharia Maybank, and Sharia Bukopin Bank are considered good at the second quadrant; Bank Rakyak Indonesia Sharia (BRI) and BCA Sharia are fair at the third; and Bank Mega Sharia, Victoria Sharia, Bank Negara Indonesia Sharia (BNI), and Bank Jabar Banten Sharia (BJB) are poor at the fourth sequentially. It is urge for Islamic bank that are in low level of MSI to have a critical policy to keep in line with the five factor of maqashid sharia apart of having efficiency in order to reach maslahah.

MEASURING THE PERFORMANCE OF ISLAMIC BANKING IN INDONESIA: AN APPLICATION OF MASLAHAH-EFFICIENCY QUADRANT (MEQ) Rusydiana, Aam Slamet; Sanrego, Yulizar Djamaluddin
Journal of Islamic Monetary Economics and Finance Vol. 3 (2018): SPECIAL ISSUE
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v3i0.909

Despite of market condition under perfect or unperfect competition, Islamic banking has to reach their level of efficiency in order to succeed and make a profit; those who do not will fail and be forced to exit the market. However apart of having a sound performance, Islamic banking also has to comply with the sharia principles. This paper aims to have efficiency and maslahah measurement in one assessment framework that is maslahah-efficiency quadrant (MEQ). The study from 2011-2014 revealed that Bank Muamalat Indonesia (BMI) and Sharia Panin Bank are excellent since both are within the first quadrant. Whereas Bank Sharia Mandiri (BSM), Sharia Maybank, and Sharia Bukopin Bank are considered good at the second quadrant; Bank Rakyak Indonesia Sharia (BRI) and BCA Sharia are fair at the third; and Bank Mega Sharia, Victoria Sharia, Bank Negara Indonesia Sharia (BNI), and Bank Jabar Banten Sharia (BJB) are poor at the fourth sequentially. It is urge for Islamic bank that are in low level of MSI to have a critical policy to keep in line with the five factor of maqashid sharia apart of having efficiency in order to reach maslahah.

Review on Islamic Empowerment Model Sanrego, Yulizar Djamaluddin; Taufiq, Muhammad
Tamkin Journal Vol. 2 No. 2 (2023): Tamkin Journal
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/tj.v2i2.284

This study aims to see the development of research on the topic of Islamic empowerment model and research plans that can be carried out based on journals published on the theme. This research uses a qualitative method with a bibliometric analysis approach. The data used is secondary data with the theme "Islamic Empowerment Model" which comes from the Dimension database with a total of 442 journal articles. Then, the data is processed and analyzed using the VosViewer application with the aim of knowing the bibliometric map of "Islamic Empowerment Model" research development in the world. The results of the study found that based on bibliometric keyword mapping, there are 3 clusters that can become research paths with topics related to Community and Islamic Empowerment Model, Covid-19 Pandemic and Islamic Empowerment Model, and Issues in the Islamic Empowerment Model. Furthermore, the most used words are pesantren, student, women, person, society, and economy Empowerment

PENDAMPINGAN UM SB GALLERY DALAM REVITALISASI USAHA MELALUI PENERAPAN STRATEGI BISNIS YANG EFEKTIF Ditya Cahyanti, Lutfi; Yudi Astuti, Rahma; Zahro', Khurun'in; Umam, Khoirul; Djamaluddin Sanrego, Yulizar
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 8, No 12 (2025): MARTABE : JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v8i12.%p

Kurangnya strategi bisnis yang efektif, manajemen produksi yang tidak efisien, serta keterbatasan pemasaran digital menyebabkan Usaha Mikro (UM) seperti UM SB Gallery sulit meningkatkan daya saing dan pertumbuhan berkelanjutan. Oleh karena itu, diperlukan strategi bisnis yang tepat untuk memastikan produk yang dihasilkan tidak hanya memenuhi permintaan pasar, tetapi juga sesuai dengan standar kualitas yang diinginkan. Model pelaksanaan kegiatan ini adalah dengan pendampingan melalui pelatihan, menggunakan pendekatan partisipatif, yang melibatkan secara aktif para mitra UM SB Gallery dalam tiga tahapan, yaitu tahap persiapan, tahap pelaksanaan dan tahap evaluasi. Program pendampingan ini telah memberikan dampak nyata dalam revitalisasi UM SB Gallery melalui penerapan strategi bisnis yang efektif. Dengan peningkatan kapasitas produksi, penerapan kontrol kualitas, serta optimalisasi pemasaran digital, UM SB Gallery kini lebih siap untuk bersaing di pasar yang lebih luas. Pendampingan yang berkelanjutan diharapkan dapat terus dilaksanakan guna memastikan strategi yang diterapkan berjalan dengan maksimal serta memberikan dampak positif bagi usaha mikro lain yang mengalami kendala serupa.

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