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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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (693.61 KB) | DOI: 10.70437/benefit.v1i1.14

Abstract

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.
PENDAYAGUNAAN ZAKAT PRODUKTIF PADA KELOMPOK LAPAK BERKAH BINAAN IZI KOTA MAKASSAR Trimulato, Trimulato; Sudirman, Sudirman; Ismawati, Ismawati; Supriadi, Supriadi; Samsul, Samsul; Halim, Ismail
HIKMAYO: JURNAL PENGABDIAN MASYARAKAT AMAYO Vol. 2 No. 2 (2023): HIKMAYO : Jurnal Pengabdian Masyarakat
Publisher : LPPM Akademi Manajemen Administrasi Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56606/hikmayo.v2i2.127

Abstract

Zakat is an obligation for every Muslim because zakat is one of the pillars of Islam. The benefits of tithing include two dimensions, namely the spiritual dimension and the social dimension. A spiritual dimension is a form of obedience in carrying out religious orders, while the social dimension is the implementation of a caring attitude among fellow Muslims. Zakat is very useful to ease the economic burden of the poor. The distribution of zakat is not only to meet the needs of daily life but can also be distributed in the form of working capital assistance so that zakat funds can be productive. Management of zakat funds will be productive if it can be managed professionally. Therefore, to realize this goal, we, from the Department of Sharia banking, Faculty of Economics and Islamic Business, State Islamic University, Makassar, are moved to carry out community service activities that are packaged in the form of empowerment activities and business management assistance. The method used in community service activities with the theme of Empowerment of Productive Zakat as an effort to strengthen the economy of the community who are members of the Blessings group under the guidance of the Indonesian Zakat Initiative in Makassar. Stages of activity, first conducted observations to obtain initial information related to the condition of the target group. The next stage is to draw up a plan for empowerment and mentoring activities. Next, conduct education through lecture methods, discussions, and consultations related to business management. Speakers describe business management and market-building strategies. The next stage is to assist by conducting regular consultation visits every month. The results of these activities can help provide solutions to various problems in business management, both in terms of financial management and marketing aspects.
The Optimization of Sharia Financial Institutions as Agent of Sale for Sukuk Product Trimulato, Trimulato; Ismawati, Ismawati
Islamic Economics, Finance, and Banking Review Vol. 1 No. 1 (2021): June
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/iefbr.v1i1.4745

Abstract

The purpose of this study is to determine the development of state Sukuk, and efforts to optimize sharia financial institutions as distribution agents for the sale of state Sukuk products. Type of research used is qualitative research, the data source used is secondary data. Data collection is used through data collection from Financial Services Authority (OJK). The data analysis technique used in this research is descriptive qualitative. Results showed development state Sukuk in 2019 had succeeded in reaching 100 percent of the planned, namely 258.275 trillion. The issuance of SBSN type of Sukuk Ritel (SR) growth in 2019 has increased by 46,07 percent. Marketing of Sukuk products through sharia financial institutions, to convince the public that the Sukuk products are sharia products that can be obtained by sharia financial institutions. Product marketing through sharia financial institutions will also further introduce the existence of sharia financial institutions and can improve services to the public.
Pemberdayaan Ekonomi Lokal Mustahiq Berbasis Filantropi Islam Melalui Zakat Pada Lembaga Amil Zakat di Indonesia Syarifuddin, Syarifuddin; Trimulato, Trimulato
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 8 No 2 (2024)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/jihbiz.v8i2.4405

Abstract

The purpose of research on how to empower local economies based on Islamic philanthropy through zakat at amil zakat institutions in Indonesia. The research findings show that the empowerment of the mustahiq local economy based on Islamic philanthropy through zakat amounted to Rp 3.52 trillion or 30.59% of the total distribution and its absorption capacity of 92.77% is said to be very effective in empowering the local economy of mustahiq in Indonesia. Then some local economic empowerment mustahiq based on Islamic philanthropy through zakat, namely Fair Wealth Distribution, Increasing Access and Welfare, Economic Infrastructure Development, Entrepreneurship Empowerment. Then social solidarity, shared responsibility, and economic benefits. The program contributes to the development of a more just, sustainable, and inclusive society. By managing zakat funds wisely, running programs transparently, and involving active community participation, Local economic empowerment of mustahiq through zakat can help overcome economic and social disparities and improve the welfare of Muslims as a whole.
The Role of Islamic Banking in Supporting Women's Economic Empowerment Trimulato, Trimulato; Syarifuddin, Syarifuddin
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 6 No. 2 (2024)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2024.6.2.23563

Abstract

AbstractPurpose -. This study describes the development of productive and consumptive Islamic bank financing. As well as explaining the role of Islamic banks in supporting women's economic empowerment.Method - This type of research is a literature study using qualitative. The data source in this research is secondary data that certain institutions have presented. The data collection technique used in this research is literature from various sources relevant to the research theme. Both from journals, books, and other library sources. The data analysis technique used in this research is descriptive qualitative, which shows the development of Islamic bank financing, as well as the form of empowerment that can be done by Islamic banks in supporting the women's economy.Result- The results of this study show that Islamic bank financing grew by 3.41 percent and that the portion of Islamic bank financing is still dominated by consumptive financing, not productive. Islamic banks need to increase productive financing, especially for women's economic empowerment. Islamic banks have a role in increasing women's productive financing with their profit-sharing system, as well as their social funds, and can collaborate with various parties.Implication - This study uses data from Islamic banks in Indonesia. The Financing for Consumptive and Productive Product. Financing for women's economic especially in one Islamic Bank. Originality- The paper looks financing distribution in Indonesia. Product Financing in Islamic Bank. Islamic banks need to be encouraged to activities that support the real sector.Keywords:    Islamic Banking, Supporting, and Women’s Economic
Analysis Produk Keuangan Syariah Sukuk Trimulato, Trimulato
Kunuz: Journal of Islamic Banking and Finance Vol 1 No 2 (2021)
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (426.744 KB) | DOI: 10.30984/kunuz.v1i2.72

Abstract

The development of the financial industry continues increase people are increasingly interested in using Islamic financial products. The products offered are increasingly varied to meet the needs of the community. In addition to providing benefits, Islamic financial products can contribute widely to the development of the country, in this case, the Sukuk product. Legally, Sukuk or Islamic bonds, get the law first, when compared to Islamic banks. Sukuk has law number 19 of 2008 concerning State Sharia Securities (SBSN). The Sukuk instrument continues to grow and can provide benefits for investors and benefits for the country's development. The purpose of this study is to determine the development of state Sukuk products, and analysis of Islamic financial products. The method used is qualitative, with a literature study approach. The data sources used are secondary data, data that has been presented by certain institutions and then processed, and from other sources deemed relevant to the theme. The data collection technique used is literature study from several sources, both from books, journals, and others. The analytical technique used is descriptive qualitative, describes the development of Sukuk products in 2020 to 2021, and describes the analysis of the Sukuk ijarah products. The results of this study indicate that there are developments in state Sukuk in the 2019 to 2020 period, PBS Auction Sukuk, PBS Private Placement Sukuk, SNI, SPN-S, Rite Sukuk (SR), and Savings Sukuk (ST) grew by 40.80 percent. Auction PBS Sukuk grew by 39.59, PBS Private Placement Sukuk grew by 214.39%, SR grew by 72.93%, SNI Sukuk by 26.86 percent. Meanwhile, SNI Sukuk decreased by -30.01% and ST decreased by -35.76 percent. Analysis of Islamic sharia financial products, especially with the ijarah scheme. There is a sale and purchase transaction is considered engineered, then the resale of assets from the investor to the issuer such as a sale and purchase transaction is prohibited. Buying and selling of Sukuk assets which are then leased back and have a time limit and conditions on the object of sale and purchase, making the seller not have control over the asset. Then the sale and purchase can become a sale and purchase without the obligation to resell the product that has been purchased if the owner of the goods can return the money for the goods he sells.
Implementation of Murabaha Contracts in Implant Financing at Bank Mandiri Syariah Subbranch Sengkang Awaliyah, Dien Putri; Trimulato, Trimulato; Nuringsih, Nuringsih; Lismawati, Lismawati; Agussalim, Agussalim
Kunuz: Journal of Islamic Banking and Finance Vol 4 No 1 (2024)
Publisher : Program Study Islamic Banking, Faculty of Economics and Bussiness Islam, State Islamic Institute of Manado (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kunuz.v4i1.987

Abstract

This study aims to determine the application of Murabahah contracts in implant financing at Bank Syariah Mandiri Sub-branch Sengkang and the customer's perspective on implementing the contract. The benefit of this research is that it can add insight and knowledge in the field of Sharia banking and can be used as a scientific contribution and increase knowledge, especially for banks, it can be used as a reference in improving management performance and improving the quality and quality of service to the community. This research uses qualitative methods. with an approach through interviews, observation, and documentation to parties related to Bank Syariah Mandiri Sub-branch Sengkang. The analysis technique used in this study is descriptive analysis, a way to process data into information so that the characteristics of the data can be understood and useful for solving problems and describing the situation or event of a problem to be solved. The results of this study are the application of a Murabahah contract, namely using Bank Syariah Mandiri Sub-branch Sengkang entering a Murabahah agreement with the customer, and at the same time delegating (wakalah contract) to the customer to buy the goods needed by reporting the purchase receipt to the bank.
The Level of Public Awareness in Paying Zakat to The National Zakat Amil Agency in North Toraja District Farhan, Ilham; Agussalim, Agussalim; Nuringsih, Nuringsih; Trimulato, Trimulato
Journal of Contemporary Applied Islamic Philanthropy Vol. 2 No. 2 (2024): JCAIP
Publisher : Nuban Jagadhita Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62265/jcaip.v2i2.85

Abstract

Purpose: This article aims to determine the level of public awareness of paying zakat in Baznas. Methodology: The type of research used is quantitative research. The data collection techniques used are observation, questionnaire, and documentation. The data analysis techniques used are descriptive statistical analysis and multiple linear regression test analysis. Findings: The result of the research obtained is that there is a strong relationship between the level of public awareness and zakat payment in North Toraja Regency. This significant correlation indicates that the higher the public awareness, the greater their contribution to paying zakat through BAZNAS. Further analysis shows that the level of public awareness plays an important role in explaining the proportion of zakat payment, although other factors beyond awareness also affect the final result that are not examined in this study.  
Implementation of Musharakah Contract in Financing Products Working Capital at Bank Panin Dubai Syariah Branch Makassar Auliah, Alya; Saharuddin, Saharuddin; Trimulato, Trimulato
Mu’amalah: Jurnal Hukum Ekonomi Syariah Vol. 2 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/muamalah.v2i2.7846

Abstract

The development of the Islamic finance industry continues to experience good the choice of Islamic financial products is increasingly diverse. Sharia bank financing products consist of buying and selling, leasing, and profit-sharing schemes. Financing in Islamic banks is still dominated by consumptive financing with Murabaha contracts. Islamic banks have financing products with profit-sharing schemes that can be used for productive financing. This study aims to describe the application of musyarakah contracts in working capital financing at Bank Panin Dubai Syariah Branch Makassar. As well as outlining the application of the musyarakah contract in conformity with sharia principles. The research method used is qualitative research with field research, related to musyarakah contract financing for working capital at Bank Panin Dubai Syariah Makassar. The data sources used are primary data, data obtained directly by interviews, and secondary data from data previously presented. Data collection techniques by direct interviews with parties related to musyarakah financing and through documentation from several relevant sources. The data analysis technique used is descriptive qualitative which describes the application of musyarakah contracts in working capital financing at Bank Panin Dubai Syariah. The study results show that applying a musyarakah contract for working capital is adjusted to the type of business owned by the customer. Financing intended for a project provided that both the bank and the customer contribute capital to run a business project with profits divided according to the capital contribution portion (nisbah). The application of the musyarakah contract for working capital financing at Bank Panin Dubai Syariah branch Makassar is by Sharia principles.
Optimization of Profit-Sharing Financing for the Recovery of MSMEs in Islamic Banks During the Covid-19 Pandemic Trimulato, Trimulato; Rodoni, Ahmad; Amelia, Erika
Tijarah: Jurnal Ekonomi Syariah Vol 4, No 1 (2025): Tijarah: Jurnal Ekonomi Syariah
Publisher : CV Widina Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59818/tijarah.v4i1.1569

Abstract

This study aims to analyze the development and optimization of profit-sharing financing by Islamic banks to support MSMEs' recovery during the Covid-19 pandemic. Using a qualitative library research approach, the study collected secondary data from OJK, academic journals, and relevant reports. Descriptive qualitative analysis reveals that while profit-sharing financing slightly declined during the pandemic, it remains a strategic instrument for promoting MSME resilience. Optimizing profit-sharing schemes, such as mudharabah and musyarakah, requires stronger bank-customer partnerships and adaptive financial strategies to support real sector recovery.ABSTRAKPenelitian ini bertujuan untuk menganalisis perkembangan dan optimalisasi pembiayaan bagi hasil oleh bank syariah untuk mendukung pemulihan UMKM selama pandemi Covid-19. Dengan menggunakan pendekatan penelitian kepustakaan kualitatif, studi ini mengumpulkan data sekunder dari OJK, jurnal akademik, dan laporan yang relevan. Analisis kualitatif deskriptif menunjukkan bahwa meskipun pembiayaan bagi hasil sedikit menurun selama pandemi, pembiayaan bagi hasil tetap menjadi instrumen strategis untuk mendorong ketahanan UMKM. Optimalisasi skema bagi hasil, seperti mudharabah dan musyarakah, membutuhkan kemitraan bank-nasabah yang lebih kuat dan strategi keuangan yang adaptif untuk mendukung pemulihan sektor riil.