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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 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 | 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 | 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.
SKEMA DAN AL-TAKYÎF AL-FIQH (TINJAUAN FIKIH) PEMBELIAN ANUITAS DALAM PROGRAM PENSIUN Sanrego, Yulizar D
al-'adalah Vol 12 No 1 (2015): Al-'Adalah
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/adalah.v12i1.242

Abstract

Abstract: The Scheme and the Legal Assessment (al-Takyîf al-Fiqh) on the Purchase of Annuity in Retirement Program. The business scheme in a contract of annuity is actually an effort to provide additional monthly income to its participants. In the program, each participant works together to put aside a certain amount of their pension funds to assist other participants in fulfilling their monthly needs. Such a contract, viewed from the perspective of legal assessment (al-takyîf al-fiqh}, is actually a grant based on the Ruqbâ contract or a combination between ruqbâ and business contracts. In Ruqbâ contract, the mauhîb (the grant) given by the wâhib (the grantor) is owned by mauhîb lah (recipient) throughout his life and after his death. In the business contract, on the other hand, the contract may use a fee as in mutual benefit contract (murâbaha). Both types of the mentioned above contracts are allowed in Islam.Abstrak: Skema dan Tinjauan Fikih (al-Takyîf al-Fiqh) terhadap Pembelian Anuitas dalam Program Pensiun. Skema bisnis yang berlaku dalam kontrak anuitas sesungguhnya merupakan upaya untuk memberikan tambahan pendapatan bulanan kepada para peserta. Dalam program ini masing-masing peserta bertabarru’ dalam menggunakan dana pensiunnya (baik secara keseluruhan maupun periodik) untuk membantu peserta lain dalam menutup keperluan bulanannya. Akad yang demikian, berdasarkan analisis al-takyîf al-fiqh, sebenarnya merupakan aqad hibah secara ruqbâ atau penggabungan antara Ruqbâ dan Aqad bisnis. Dalam ruqbâ, mauhîb yang diberikan oleh wahîb menjadi milik yang diberi (mauhîb lah) sepanjang hidupnya dan setelah dia meninggal. Sementara untuk skema bisnis, akad yang boleh digunakan adalah melalui murâbahah. Hukum dari kedua macam akad di atas dalam Islam adalah boleh.
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

Abstract

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

Abstract

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.
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