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All Journal Jurnal Paradigma Ekonomika Al-'Adalah ISLAMICA: Jurnal Studi Keislaman Journal of Indonesian Economy and Business Tazkia Islamic Finance and Business Review Martabe : Jurnal Pengabdian Kepada Masyarakat Journal of Islamic Monetary Economics and Finance Tamkin Journal The Economic Review of Pesantren
Yulizar D. Sanrego
University Of Darussalam Gontor Ponorogo
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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THE EFFECT OF SOCIAL CAPITAL ON LOAN REPAYMENT BEHAVIOR OF THE POOR (A Study on Group Lending Model (GLM) Application In Islamic Microfinance Institution) Sanrego, Yulizar D.; Antonio, M. Syafi’i
Journal of Indonesian Economy and Business Vol 28, No 2 (2013): May
Publisher : Journal of Indonesian Economy and Business

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Abstract

Market failures in the financial system may be indicated by the absence of opportunitiesfor the poor to get financial services. This also happens in the practice of Islamicbanking. For this reason it is popping up a lot of non-market institutions - Islamic MicrofinanceInstitutions (IMFi) is one of them - which tried to cover up the weaknesses ofbanking practices. However, the development IMfi is not effective in alleviating povertyand not much different behavior from most banks. In turn, appear Islamic Microfinancebasedgroups in the hope of further empowering the poor and ensure that financialservices can be viable and able to repay their loans with three main approaches thatimplemented simultaneously; (1) spiritual approach (2) financial approach and (3) socialapproach. This study wanted to prove empirically that Islamic Microfinance -based groupscan ensure that the poor deserve to get financial services and are able to repay their loanon time. Using Structural Equation Model the study proved that Social Capital valueswhich embedded within the Islamic Microfinance-based groups influence the behavior ofthe poor in repaying their debts. As a policy recommendation, Islamic Bank shouldconsider to prefer Islamic Microfinance-based groups as partners in the realization oftheir linkage program for the poor so that poverty alleviation program can be optimallyimplemented.Keywords: Social Capital, Group Lending Model (GLM), Repayment Behavior
Membangun Konstruksi Keilmuan Ekonomi Islam Sanrego Nz, Yulizar D.
ISLAMICA: Jurnal Studi Keislaman Vol 5, No 1 (2010): Islamica
Publisher : Program Pascasarjana UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (111.392 KB) | DOI: 10.15642/islamica.2010.5.1.175-189

Abstract

Theories of Islamic economics have formed part and parcel of the global study on economy. Practically on the other hand, Islamic economics have shown its competing ability andreceived in turn a cheerful welcome from the business community as well as from the masses at the global stage. This paper is an attempt to make a contribution in the field of what we may call the scientific construction of Islamic economics. The paper proposes that this science consists of two aspects, namely value and knowledge. With regards to the latter, on which this paper will pay its major attention, the role of methodology is crucial. This paper will therefore touch on this issue and the role of methodology in inventing knowledge and in the analysis of economic datum. Here by methodology we mean particularly fiqh. We contend that fiqh is in itself methodology. It is rich with methodological tools such as the concept of maqashid al-syariah (the purpose of divine law) which may be used not only to analyze economic datum but also to provide a schemata in resolving some economic problems. By speaking of fiqh as a science of economics we hope to pave the way for the possible invention of the science of economics based on fiqh and its philosophy.
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

Abstract

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

Abstract

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

Abstract

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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Abstract

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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Abstract

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

Abstract

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.
THE ROLE OF ISLAMIC CAPITAL MARKET FOR MICRO, SMALL, AND MEDIUM ENTERPRISES (MSMES) THROUGH SYNERGY OF MUTUAL FUND AND VENTURE CAPITAL INSTITUTION Sanrego, Yulizar D.
Journal of Islamic Monetary Economics and Finance Vol 3 No 1 (2017)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (5613.106 KB) | DOI: 10.21098/jimf.v3i1.711

Abstract

It is worldly known that one of the main obstacles which is often faced by the micro, small, and medium enterprises (MSMEs) practitioners is the ability to access sources of funding. At the time where the absorption of banking credit to MSMEs is still very limited, the role of sharia capital market is considered as an alternative to support this limitation. Expanding the role of sharia capital market finds it moment when Indonesia Finance Service Authority (FSA) issued regulations that provide space for the capital market to also active in real sector businesses. In accordance with the FSA Rules N0.37/2014, mutual fund (unit trust) in the form of Collective Investment Contract (CIC) - Limited Investment/ Participation Fund (LPF) has the objective to pave the way for mutual fund investors to make direct investments in real investments. The proposed model that might be realized to smoothen the intermediary role of sharia capital market to the development of MSMEs is through the hybrid model that might linking mutual fund/investment manager and corporate, particularly venture capital. Using Analytical Network Process (ANP) approach this paper indicates that with the value of rater agreement 1.0, the research found that there are four main cluster problems which become an obstacle the proposed model, namely: (a) the reputation of mutual fund/investment manager; (b) investment grade rating of corporate (venture capital); (c) risk appetiate of investor as shahib al-mal; and (d) government regulation. Policy recommendation that might become solution, according to the value of rater agreement 1.0 is sequentially as follow, namely: (a) fully support from government; especially for a relatively new mutual fund with no experience in the capital markets industry; (b) Corporate (venture capital) should be able to offer Islamic Microfinance Finance Institutions (IMFIs) and MSMEs that have good business feasibility to the mutual fund/investment manager as well as investor; (c) the government should be able to guarantee legal certainty in the context of protection, including advocacy for investors; and last but not least (d) There is an extremely hope that investors could change their investment behavior paradigm, from risk averse to risk taker.
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 | Full PDF (552.594 KB) | DOI: 10.21098/jimf.v3i0.909

Abstract

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.
Co-Authors Aam Slamet Rusydiana, Aam Slamet Ditya Cahyanti, Lutfi Fahd Noor Khoirul Umam M. Syafi’i Antonio Muhamad Abduh Muhammad Taufiq Nadratuzzaman Hosen, Muhamad Syafaat Muhari Uula, Mimma Maripatul Yudi Astuti, Rahma Zahro’, Khurun’in Zakiyah Dwi Poetry