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OPTIMALISASI PERAN PEMBIAYAAN PRODUKTIF BANK SYARIAH BAGI UMKM DI INDONESIA Trimulato, Trimulato; K., Amiruddin; Ismawati, Ismawati; Nuraeni, Nuraeni
Iqtishodia: Jurnal Ekonomi Syariah Vol 5 No 1 (2020): Maret
Publisher : Department of Islamic Economic Law, Institut Agama Islam (IAI) Al-Qolam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v5i1.263

Productive financing are very important in Indonesia, considering that in Indonesia there are around 52 million MSMEs . This study aims to determine the development and optimization of productive financing products in Islamic Banks towards MSMEs.This research is qualitative by using documentation techniques in data collection. Data analysis was performed using qualitative procedures. The results of this study found that the optimization of productive financing of Islamic Banks for MSMEs is still not optimal due to the financing of Islamic banks for MSMEs not being a priority and financing of Islamic banks in the consumer sector is still dominant.

OPTIMALISASI PEMBIAYAAN PADA SEKTOR PRODUKTIF MIKRO DI BANK BTPN SYARIAH Trimulato, Trimulato
Ekonomi & Bisnis Vol 19, No 2 (2020): JURNAL EKONOMI BISNIS VOL 19 NO 2 DESEMBER 2020
Publisher : Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32722/eb.v19i2.3399

Perbankan syariah memiliki peran sebagai lembaga yang menghimpun dana dari masyarakat dan menyalurkan dana dalam bentuk pembiayaan. Pangsa pasar bank syariah menembus 5 persen. Pertumbuhan dialami bank syariah. Pembiayaan kegiatan konsumtif masih menjadi dominasi di bank syariah sebesar 42,80 persen atau sebesar 123.178.000.000.000. Pembiayaan konsumtif lebih besar jika dibandingkan pembiayaan untuk modal kerja dan investasi. Bank BTPN Syariah merupakan bank syariah yang fokus hanya menyalurkan pembiayaan untuk kegiatan produktif sektor mikro. Penelitian ini bersifat kualitatif, tujuan untuk mengetahui pertumbuhan penyaluran pembiayaan di Bank BTPN Syariah serta pola pembiayaan sektor produktif mikro yang dilakukannya. Dari hasil penelitian ini menunjukkan bahwa pertumbuhan penyaluran pembiayaan di Bank BTPN Syariah pada periode Juni 207 dan Juni 2018 tumbuh sebesar 18,128 persen. Model penyaluran pembiayaan yang diberikan bank BTPN Syariah hanya untuk kegiatan produktif mikro. Pembiayaan itu disebut Paket Masa Depan (PMD), hanya diperuntuhkan untuk kalangan peremuan prasejahterah, serta tidak memberikan kewajiban untuk penyertaan jaminan.

ANALISIS POTENSI PRODUK MUSYARAKAH TERHADAP PEMBIAYAAN SEKTOR RIIL UMKM Trimulato, Trimulato
Jurnal Ekonomi & Studi Pembangunan Vol 18, No 1: April 2017
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jesp.18.1.3830

Shariah banking in Indonesia is growing to continued, seen from the account of customers continues to grow. By 2016 the market share of shariah banking has reached 5 percent translucent. The presence of Act Number 21, 2008 concerning shariah banking strengthens presence in shariah. In terms of financing in shariah banking still dominated by the financing by buying and selling is not for the profit sharing. Contributions of Musyarakah financing achieve 105,112,000,000,000 or by 62.29% of the total financing. While the financing agreement for the results of the identity of shariah banking only contributed 34.44% or Rp 58,123,000,000,000. This paper uses a descriptive qualitative. Limitations in this paper is focused on products with contract Musharakah financing in shariah banking and real sector SMEs. This paper uses literature study from various sources. The results of this paper that the potential development of financing products with musyarkah contract in shariah banking is still very large. Growth in the use Musyarakah decreased in 2016 which grew only 13.79%. While credit growth to SMEs is still low does not exceed 20%. It is seen that the account of SMEs continues to grow, then the portion of Musharakah financing products are still small. This indicates that the product Musharakah financing in shariah banking are very suited to the conditions and character of SMEs.

OPTIMALISASI PEMBIAYAAN PADA SEKTOR PRODUKTIF MIKRO DI BANK BTPN SYARIAH Trimulato, Trimulato
Ekonomi & Bisnis Vol 19 No 2 (2020): JURNAL EKONOMI BISNIS VOL 19 NO 2 DESEMBER 2020
Publisher : Politeknik Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32722/eb.v19i2.3399

Perbankan syariah memiliki peran sebagai lembaga yang menghimpun dana dari masyarakat dan menyalurkan dana dalam bentuk pembiayaan. Pangsa pasar bank syariah menembus 5 persen. Pertumbuhan dialami bank syariah. Pembiayaan kegiatan konsumtif masih menjadi dominasi di bank syariah sebesar 42,80 persen atau sebesar 123.178.000.000.000. Pembiayaan konsumtif lebih besar jika dibandingkan pembiayaan untuk modal kerja dan investasi. Bank BTPN Syariah merupakan bank syariah yang fokus hanya menyalurkan pembiayaan untuk kegiatan produktif sektor mikro. Penelitian ini bersifat kualitatif, tujuan untuk mengetahui pertumbuhan penyaluran pembiayaan di Bank BTPN Syariah serta pola pembiayaan sektor produktif mikro yang dilakukannya. Dari hasil penelitian ini menunjukkan bahwa pertumbuhan penyaluran pembiayaan di Bank BTPN Syariah pada periode Juni 207 dan Juni 2018 tumbuh sebesar 18,128 persen. Model penyaluran pembiayaan yang diberikan bank BTPN Syariah hanya untuk kegiatan produktif mikro. Pembiayaan itu disebut Paket Masa Depan (PMD), hanya diperuntuhkan untuk kalangan peremuan prasejahterah, serta tidak memberikan kewajiban untuk penyertaan jaminan.

Pengaruh Marketing Mix dan Self Service Technology Terhadap Keputusan Nasabah Memilih Tabungan Hijrah Bank Muamalat Sulfia, Sulfia; Nuraeni Gani; Trimulato, Trimulato
JUMINTAL: Jurnal Manajemen Informatika dan Bisnis Digital Vol. 2 No. 2 (2023): November 2023
Publisher : Yayasan Literasi Sains Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55123/jumintal.v2i2.2231

This research aims to determine the effect of Marketing Mix and Self-service technology on customer decisions in conducting transactions at the Makassar branch of Bank Muamalat. This research method is quantitative by describing the influence of marketing mix and self-service technology on customer decisions. This type of research is a field study, primary data collection. Source of research data obtained from quisioner. The data analysis technique used is descriptive quantitative. The research results obtained from the marketing mix t test have a significant effect on customer decisions with a tcount > ttable (2.00665) of 3,786 and a significant value of 0.000, this probability value is below 0.05. Meanwhile the t test shows the results that self-service technology has a significant effect on customer decisions with a tcount > ttable (2.00665) of 4.130, a significant value of 0.000 and a probability value below 0.05. The effect of marketing mix and self-service technology on customer decisions is that the Fcount value is greater than the Ftable value, namely 44,752 > 3.18 with a significant value of 0.000 less than 0.05 (0.000 <0.05), then H0 is rejected and H3 is accepted, meaning that marketing mix and self-service technology variables simultaneously have a significant effect on customer decisions in using Bank Muamalat Makassar branch hijrah savings.

Management Of Funding Products And Financing Products In Fulfilling Liquidity At Pt. Bank Syariah Mandiri Branch Sengkang South Sulawesi Hijriani, Zhulfi; Trimulato, Trimulato; Nuringsih, Nuringsih; Lismawati, Lismawati
el-Amwal Vol. 7 No. 1 (2024): Maret
Publisher : LPPM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/el-amwal.v7i1.15359

Maintaining the health of Bank Syariah Mandiri Sengkang Branch, among other things, is carried out while maintaining its liquidity so that the bank can fulfill obligations to parties who withdraw or withdraw their deposit funds at any time. This study discusses that liquidity is influenced by two factors, namely fundraising and channeling of funds so that Bank Syariah Mandiri Branch Sengkang South Sulawesi manages funding products and financing products as well as possible. This research aims to find out how to manage funding products and financing products at PT. Bank Syariah Mandiri Branch Sengkang and to find out the management of funding products and financing products to meet liquidity at PT. Bank Syariah Mandiri Branch Sengkang. This research is a type of research with qualitative methods. The source of the data used in this research is the primary data approach through interviews, observation, and communication with parties related to PT. Bank Syariah Mandiri Branch Sengkang. The data analysis technique used in this study is descriptive analysis, namely data analysis on the types of funding and financing products and managing them to meet bank liquidity. After going through the analysis process, it is obtained that the funding product has been managed properly which can be seen in the number of third-party funds or fund collectors stored. Financing products at Bank Syariah Mandiri Sengkang Branch have also been good, seen from the lack of bad loans and being able to limit the taking of financing its liquidity can also be said to be productive because it can fulfill its financial obligations on time.

URGENSI PENERAPAN CALESTIAL MANAGEMENT BAGI PENINGKATAN KUALITAS SDM PADA IKNB SYARIAH Trimulato, Trimulato
Ekonomi Islam Vol. 7 No. 2 (2016)
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Non-bank Islamic financial industry (IKNB Sharia) in Indonesia continues to increase very good. Visible IKNB growth seen in the number of Islamic sharia IKNB assets in 2010, 9333 billion rupiah in the year rose to 46 895 billion rupiah. With an average growth rate of 62.29%. Thus the development of sharia IKNB must be balanced with sufficient resources and qualified. OJK has made efforts in improving the quality of human resources in Islamic IKNB with two major strategies. This research uses descriptive qualitative limitations in this paper focused on the OJK in improving the human resources that exist IKNB Shari'ah. The need for the application of celestial management for human resources in IKNB sharia. The results of this paper that the OJK has set two strategies in an effort to improve the quality of human resources in IKNB sharia. Then the need for the application of celestial management for human resources in IKNB sharia to create good quality. Because IKNB sharia is a business institution that is inseparable from the rule of religion or spiritual aspect. Thus requiring an appropriate concept in improving the quality of its human resources.

Sosialisasi Peran Ekonomi Syariah terhadap Dampak Ekonomi di Masa Pendemi Covid-19 Trimulato, Trimulato; Lismawati, Lismawati; Nuringsih, Nuringsih; Agussalim, Agussalim; Jalil, Nurlina
Pengabdian Masyarakat Sumber Daya Unggul Vol. 1 No. 1 (2023): Volume 1 Nomor 1 Tahun 2023
Publisher : Lembaga Penelitian dan Publikasi Ilmiah, Yayasan Almahmudi Bin Dahlan

Masih rendahnya pengetahun dan literasi masyarkat terhadap keuangan syariah, membutuhkan upaya untuk terus dilakukan sosialisasi. Kegiatan sosialisasi peran ekonomi syariah untuk pemulihan ekonomi di masa pandemi pandemi covid-19 sebagai upaya respon akan keadaan tersebut. Tujuan dari kegiatan pengabdian masyarakat ini untuk menguraikan dan mengenalkan konsep dari ekonomi syariah, serta upaya yang dapat dikembangkan dari ekonomi syariah dalam menghadapi pandemi covid-19. Kegiatan ini dilakukan dengan beberapa persiapan, dan tahapan-tahapan sehingga dapat terlaksana dengan baik. Hasil dari kegiatan ini webinar ini masyarakat lebih mengenal konsep ekonomi syariah, serta kekuatan dan keadilan dalam ekonomi syariah khususnya di masa pandemi covid-19. Peserta juga mengetahui sektor-sektor yang terkena dampak akibat pandemi covid-19, dan bentuk peran dari ekonomi syariah dalam keadaan tersebut. Kegiatan ini dilaksanakan dengan pemateri dari berbagai perguruan tinggi, dan sebagai pelaksana Univeristas Muhammadiyah Parepare Sulawesi Selatan

URGENSI PENERAPAN CALESTIAL MANAGEMENT BAGI PENINGKATAN KUALITAS SDM PADA IKNB SYARIAH Trimulato, Trimulato
Ekonomi Islam Vol. 7 No. 2 (2016)
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Non-bank Islamic financial industry (IKNB Sharia) in Indonesia continues to increase very good. Visible IKNB growth seen in the number of Islamic sharia IKNB assets in 2010, 9333 billion rupiah in the year rose to 46 895 billion rupiah. With an average growth rate of 62.29%. Thus the development of sharia IKNB must be balanced with sufficient resources and qualified. OJK has made efforts in improving the quality of human resources in Islamic IKNB with two major strategies. This research uses descriptive qualitative limitations in this paper focused on the OJK in improving the human resources that exist IKNB Shari'ah. The need for the application of celestial management for human resources in IKNB sharia. The results of this paper that the OJK has set two strategies in an effort to improve the quality of human resources in IKNB sharia. Then the need for the application of celestial management for human resources in IKNB sharia to create good quality. Because IKNB sharia is a business institution that is inseparable from the rule of religion or spiritual aspect. Thus requiring an appropriate concept in improving the quality of its human resources.

The Role State Sukuk Instruments to Support Halal Industry Trimulato, Trimulato; Syarifuddin, Syarifuddin
Benefit: Journal of Bussiness, Economics, and Finance Vol. 1 No. 1 (2023): Benefit: Journal Of Business, Economics and Finance
Publisher : Lembaga Penelitian Dan Publikasi Ilmiah (lppi) Yayasan Almahmudi Bin Dahlan

The Purpose study describe development state Sukuk, halal industry, and role state Sukuk support halal industry. Method used research is qualitative type literature study. Source data used study is secondary, from data has been previously presented certain institutions. Data from Financial Services Authority, Directorate General Financing and Risk Management Ministry Finance and other. Data collection techniques are literature relevant theme. Data analysis technique used descriptive qualitative, which describes development State Sukuk, development Halal Industry, and role State Sukuk support halal industry. Results showed development state Sukuk instrument 2019 to 2020. Sukuk experienced largest growth PBS type Sukuk with private settlement scheme 214.39%, retail Sukuk 72.93%, PBS auction Sukuk 39.59%. Savings Sukuk decreased -35.76 percent, and SPN-S Sukuk decreased -30.01 percent. State Sukuk can support halal industry, including in terms direct capital, support establishment infrastructure directed towards supporting halal industry, for example, support in terms product marketing strategies and other activities.

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