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Journal : EKSPANSI

MODEL PENGEMBANGAN ISLAMIC MICROFINANCE BERBASIS KOPERASI SYARIAH (Studi Pada Pengrajin Mebeul Di Cipacing Kabupaten Sumedang) Ropi Marlina; Ade Nurhayati
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 12 No 2 (2020): Jurnal Ekspansi November 2020
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v12i2.2219

Abstract

Penelitian ini dasarkan pada fenomena masalah yang ada dalam UMKM khususnya industri mebeul. Permasalahan yang dimaksud meliputi, produk, SDM dan permodalan. Tujuan penelitian ini untuk memperolah sebuah model pengembangan mikrofinance yang bisa berkontribusi pada UMKM. Hasil penelitian menunjukkan bahwa koperasi syariah merupakan salah satu lembaga mikrofinance yang bisa diharapkan mampu menjadi solusi dalam mengatasi permasalahan khususnya pemodalan dalam UMKM mebeul di Cipacing. Dengan model akad mudharabah dan musyarakah koperasi syariah bisa dijadikan salah satu bentuk pembiaayan terhadap pelaku UMKM. Selain itu koperasi syariah sebagai wadah juga bisa dijadikan mitra untuk pengembangan UMKM mebel yang ada di daerah Cipacing Jawa Barat. Penelitian ini berimplikasi bahwa keberadaan Koperasi bisa dijadikan alternanif solusi oleh para pelaku UMKM mebel di daerah cipacing terutama dalam hal permodalan dan pemasaran. Keywords : UMKM, Microfinance, Koperasi Syariah.
ANALISIS DETERMINAN PEMBIAYAAN BERMASALAH PADA BANK UMUM SYARIAH DI ASIA TENGGARA Juliana Juliana; Risna Febriyanti; Rumaisah Azizah al-Adawiyah; Ropi Marlina; Dadan Hamdani
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 14 No 1 (2022)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v14i1.3672

Abstract

Purpose -The purpose of this study is to examine the differences in non-performing financing and the factors that influence it in Islamic commercial banks in Southeast Asia, which include Islamic banks in Indonesia, Malaysia and Brunei Darussalam. Design / Methodology / Approach - The research method used is a comparative and verification method using panel data regression analysis using Eviews 9 software and SPSS. Findings - The results of the study indicate that the Return on Assets (ROA) variable has a negative and significant effect on non-performing financing, Operating Income Operating Expenses (BOPO) has no effect on non-performing financing, Gross Domestic Product (GDP) has a positive and significant effect and there are also differences in non-performing financing. in Islamic commercial banks in Southeast Asia. Practical Implications - Islamic commercial banks must consider various solutions and financing operations through analysis of both internal and external factors. For Islamic banks, it is very important to analyze through internal factors in order to avoid various problems caused by bank errors in financing distribution. In addition to internal factors, external factors can also affect non-performing financing. This external factor can be seen through the failure of the customer's business to do financing and also the unhealthy economic conditions. External factors are equally important to see the various behaviors that occur in customers. Originality / Value - This research is a research that is still rarely done because it not only examines the factors that affect non-performing financing but also looks at the differences in the non-performing financing of Islamic commercial banks in Southeast Asia, especially Indonesia, Malaysia, and Brunei Darussalam. Keywords: Non Performing Financing, Return on Assets, BOPO, Gross Domestic Product Paper Type: Research Paper