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Al-Muzara'ah

jalmuzaraah
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Published by Institut Pertanian Bogor

ISSN : 23376333 EISSN : 26157659 DOI : 10.29244/jam

Core Subject : Economy, Education,

Economics, Econometrics & Finance Other

Al-Muzara'ah â€“Journal of Islamic Economics and Finance, is a collaborative journal of the Department of Islamic Economics, Bogor Agricultural University with the Indonesian Association of Islamic Economist (IAEI). The aim of the journal is to communicate and as the media of academic socialization by providing a platform for publication of research in the fields of Islamic economics, finance, microfinance, banking, insurance, halal industry, social finance and poverty alleviation, law and sharia issues in economics and finance, capital market, and other topics related to this area.

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Articles 183 Documents

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Analisa Perbandingan Model Birokrasi Indonesia: Model Modern David Osborne, Ted Gaebler dan Pendekatan Konsep Islam Perspektif Umer Chapra Yulizar D Sanrego; Reza Muhammad
AL-MUZARA'AH Vol. 1 No. 1 (2013): AL-MUZARA'AH (June 2013)
Publisher : Department of Islamic Economics, IPB University

The inefficiency of public service in Indonesia is one of the results of badbureaucracy, so that the development system becomes stagnant. On the contrary, sustainabledevelopment is a reflection of a good bureaucracy. So far Indonesia is still ranked 100th out of182 countries in the world for corruption. This paper aims to find out the bureaucratic model inIndonesia within the framework of modern bureaucratic model as well as Islamic Conceptapproach of Chapra’s perspectives. Using content analysis, the paper found that Indonesianbureaucracy model still embrace patrimonial concept that vulnerable to the practice ofcollusion, corruption and nepotism. While the modern model of Osborne and GaeblerEntrepreneurial Bureaucracy concept with the spirit of innovation and creativity has brought agood change and it is in line with Islamic model of Chapra’sperspective. Chapradescribes thatthe development of a country should be run simultaneously with the bureaucracy that promotesIslamic values, moral, and hard work. It is concluded that by applying this concept,bureaucracy in Indonesia will be more effective in removing socio-economic problem and willcome up with more efficient and sustainable development dimensions.

Solusi Peningkatan Sumberdaya Manusia Pada Baytul Maal wat Tamwil (BMT) di Indonesia Melalui Pendekatan Analytic Network Process (ANP) Fiqih Apriadi; Muhammad Findi Alexandi
AL-MUZARA'AH Vol. 1 No. 2 (2013): AL-MUZARA'AH (December 2013)
Publisher : Department of Islamic Economics, IPB University

Baitul Maal wat Tamwil (BMT), as a micro financial institution, has a strategic role in Indonsia. The lack in quality of human resources has been a challenge since its establishment. This issue still needs to be considered seriously. Therefore, this study tries to examine the internal problems regarding the BMT human resources in Indonesia. Analytic Network Process (ANP) is used as the methodology to overcome the objective of this study. Survey and indepth interview are conducted to collect the data. The results showed that the main problems occurred in human resource management were when it dealt with training and skill development programs. Moreover, ethics and morality of the employees needs to be improved continuosly as part of the worship to Allah SWT.

Pemetaan Kondisi dan Potensi BMT: Kemitraan dalam Rangka Memperluas Pasar & Jangkauan Pelayanan Bank Syariah kepada Usaha Mikro Ali Sakti
AL-MUZARA'AH Vol. 1 No. 1 (2013): AL-MUZARA'AH (June 2013)
Publisher : Department of Islamic Economics, IPB University

The limitations faced by Islamic Bank in terms of range, scope, service network and low competency of human resources serving micro and small enterprises have made linkage and partnership with Islamic microfinance institutions such as BMT become very important. On the other hand, weaknesses of BMT industry, such as the availability of information about the profile and performance of BMT, need to be enhanced by conducting surveys in the area that become the centers of BMT operation. Therefore, this study attempts to survey the condition and potential of BMT in three provinces in Java, namely West Java, Central Java and East Java. Survey on major variables such as asset volume and BMT financial performance shows very high variation. The findings also show that fundamental reform of governance is highly required, especially with respect to regulation and supervision of the BMT industry. In the short term, improvements can be made by optimizing the role of the Association of BMT and BMT Agencies. In general, based on various indicators, the performance of BMT in Central Java is better than those in East Java and West Java

PEMBERDAYAAN MASYARAKAT PENGUSAHA KECIL MELALUI DANA ZAKAT, INFAQ, DAN SEDEKAH (ZIS): Studi Kasus Program Masyarakat Mandiri Dompet Dhuafa terhadap Komunitas Pengrajin Tahu di Kampung Iwul, Kecamatan Parung, Kabupaten Bogor Jaenal Effendi; Wirawan .
AL-MUZARA'AH Vol. 1 No. 2 (2013): AL-MUZARA'AH (December 2013)
Publisher : Department of Islamic Economics, IPB University

Poverty is still one of big issues in the world particularly for developing contries. Poverty has close relation to the rural area where the people relied on agriculure activities for deriving income. Having a big Muslim population, Indonesia has great opportunity to utilize the huge potential of zakat fund particularly for empowerment program to the poor. Empowerment and capacity building program handled by Masyarakat Mandiri Dompet Dhuafa (MM-DD) to the poor people is believed to have a positive contribution to reduce poverty. The program includes providing business capital as agent of change and assistancy in order to increase the quality of human resources from the poor who generate income through producing tofu (in Kampung Iwul). Cross cultural innovation as well as regresion analysis is used to measure the program of MM-DD to their clients. The results show that based on the perception of the targeted clients regarding the indicator of material capabilties and intelectual, the empowerment program conducted by MM-DD reaches the goals of the program. While other perceptions linked to the manajemen ability from the targeted group show that the program can not reach the aims of MM-DD program yet. Several factors including their characteristics affected these perception. For the crosscultural innovation, most of respondent give positive response to the program. In addition, after adopting these programs, the avarage income of the people could increase. This increase is affected by the amount of lending, daily income from tofu business, and other income from other businesses.

Analisis Pengaruh Instrumen Moneter Syariah dan Konvensional Terhadap Penyaluran Dana ke Sektor Usaha Mikro Kecil dan Menengah (UMKM) di Indonesia Masyitha Mutiara Ramadhan; Irfan Syauqi Beik
AL-MUZARA'AH Vol. 1 No. 2 (2013): AL-MUZARA'AH (December 2013)
Publisher : Department of Islamic Economics, IPB University

As monetary authority, Bank Indonesia has developed Islamic Bank Indonesia Certificate (abbreviated as SBIS) as Islamic monetary instrument in addition to Bank Indonesia Certificate (known as SBI), which has become conventional instrument. Both instruments play significant role in the transmission of monetary instrument towards real sector of the economy. Monetary transmission could take place through credit channel or financing channel, from which the fund is used as the source of credit and financing for micro, small and medium enterprises (MSME). This study aims at analyzing the impact of both Islamic and conventional monetary instruments towards MSME financing. Data used in this research is taken from Bank Indonesia, Ministry of Cooperative and SME, and Central Board of Statistics for the period of May 2006 until December 2010. The study employs Vector Auto Regression model, Impulse Response Function technique and Forecast Error Variance Decomposition (FEVD) as its analytical methods. It is found that SBI and SBIS have significant impact towards credit and financing to the MSME. When there is monetary shock, the study finds that MSME financing of Islamic bank could be recovered and stabilized better than MSME credit of conventional bank. FEVD analysis shows that the impact of SBIS towards financing of MSME is bigger than the SBI.

Analisis Pembiayaan Sektor Konstruksi Pada Perbankan Syariah di Indonesia Nidaa Nazaahah Kusumawati
AL-MUZARA'AH Vol. 1 No. 2 (2013): AL-MUZARA'AH (December 2013)
Publisher : Department of Islamic Economics, IPB University

The construction sector is an important sector in supporting development projects in Indonesia. The development of the construction sector requires the role of the banking sector to provide access of capital through credit. This study aims to analyze the relationship among factors of banking performance, monetary instruments, macroeconomic condition and rate of return towards construction financing in Islamic banking industry. This study uses Vector Error Correction model with monthly data from 2006 until 2012 as its method of analysis. The study finds that the ratio of construction financing responds positively to the shock of Financing to Deposit Ratio (FDR), the interest rate of SBI (SBI), Industrial Production Index (IPI), inflation rate (INF), and equivalent rate of financing (ERP). While shocks of the Third Party Funds (DPK), lending rates (SBK), non performing financing (NPF), fee of SBIS (BSBIS), and the placement of funds in PUAS (PUAS) variables are responded negatively. Islamic bank should be able to be more focused on construction financing as it will contribute to the development of real sector and national income. In addition, Islamic bank should have more concern on assesment criteria to choose borrowers in order to reduce the amount of non performing financing.

Analisis Faktor-Faktor yang Mempengaruhi Alokasi Infak Rumah Tangga: Studi Kasus di Desa Pasir Eurih, Kecamatan Tamansari, Kabupaten Bogor Myrella Velika Amanta; Wiwiek Rindayati; Laily Dwi Arsyianti
AL-MUZARA'AH Vol. 2 No. 1 (2014): AL-MUZARA'AH (June 2014)
Publisher : Department of Islamic Economics, IPB University

Indonesia is one of countries with the most populous Muslim in the world. Poverty that strikes Muslims is an irony considering Islam is the only divine religion which explicitly requires his people to dispense zakah. Therefore, Zakah, Infaq, and Sadaqah (ZIS) is the potential solution to eradicate poverty in Indonesia. Infaq can be an alternative solution to alleviate poverty through income equalization. This study analyses factors that affect the household’s charity allocation using Ordinary Least Square (OLS) method and behavior of charity allocations on household using descriptive analysis. Result shows that altruism, income and formal education affect household’s charity allocation. These three factors positively influence the amount of household’s charity. On the other hand, behavior on charity allocation shows a good respond even though it is not yet a priority.

Faktor-Faktor yang Memengaruhi Realisasi Pembiayaan Mikro Syariah dan Dampaknya terhadap Omzet Usaha Nasabah: Studi Kasus KJKS BMT UGT Sidogiri Cabang Koja Jakarta Nadiah Hidayati; Widyastutik; Ranti Wiliasih
AL-MUZARA'AH Vol. 2 No. 1 (2014): AL-MUZARA'AH (June 2014)
Publisher : Department of Islamic Economics, IPB University

Micro-business has a role of the national economy development. However, micro scale entrepreneurs face problems of limited capital. This studyto analyze the factors affecting the amount of the financing provided BMT and their impact on bussiness turnover. This research was conducted in March-April at KJKS BMT UGT Sidogiri branch Koja Jakarta. This research used a purposive sampling technique with a total of 30 respondents. OLS analysis results proved thatbusiness aset, frequency financing, installment period, and dummy businesshave significantlyeffect on the realization of financing. Meanwhile, the factors affecting the customer’s turnover are business aset, amount of financing, business profit after financing, time duration of educational, time duration of business, and dummy business.

Analisis Faktor-Faktor yang Memengaruhi Nasabah Non-Muslim dalam Menggunakan Jasa Bank Syariah di DKI Jakarta Fithri Tyas Hapsari; Irfan Syauqi Beik
AL-MUZARA'AH Vol. 2 No. 1 (2014): AL-MUZARA'AH (June 2014)
Publisher : Department of Islamic Economics, IPB University

Islamic banking industry in Indonesia experienced significant growth and development, despite its market share is still small, i.e around 4.9%. Islamic bank is an intermediary institution based on sharia, which serve both muslim and non-muslim. This study analyzes the factors that affect non-Muslim customers in using the services of Islamic banks in Jakarta. Respondents used in this study consist of 50 non-Muslim customers of Islamic banks and 50 non-Muslim customers of conventional banks. The method used is the logistic regression method. Descriptive analysis methods is used to see the trend of non-Muslim customers towards Islamic banks. Factors that are significantly affecting non-Muslim customers in using the services of Islamic banks in Jakarta are the location factor with an odds ratio value of 1.450, factor of administrative advantages with an odds ratio value of 6.790, and religious stimulant factor with an odds ratio value of 2.679.

Strategi Pengembangan Lembaga Keuangan Mikro Syariah (Studi Kasus pada BMT Tawfin Jakarta) Ahmad Sapudin; Mukhamad Najib; Setiadi Djohar
AL-MUZARA'AH Vol. 5 No. 1 (2017): AL-MUZARA'AH (June 2017)
Publisher : Department of Islamic Economics, IPB University

This research was conducted to analysis the development strategy of Islamic microfinance institutions at BMT Tawfin, Jakarta. The aims of this research were 1) identifying health performance of BMT Tawfin based on health assessment model from Ministry of Cooperatives and Small and Medium Enterprises 2) identifying internal and external strategic factors that may influence BMT Tawfin in business development, 3) arrange appropriate formulation and alternative strategy for development of BMT Tawfin in microfinance bussines. Primary data and secondary data were gathered at this research. The research was also conducted using several analytical methods such as health assessment analysis, internal factor evaluation (IFE) and external factor evaluation (EFE) matrix, internal-external(IE) matrix, SWOT and blue ocean strategy (BOS). Based on the health assessment performance analysis, BMT Tawfin obtained score of 51,70 which was in under supervisory criteria. According to the IFE and EFE matrix results, the differences of each weighted values were 2,497 and 2,010 respectively, so the position of the BMT Tawfin in the IE matrix was situated at quadrant V. Therefore BMT Tawfin needs to use a hold and maintain strategy. Based on SWOT matrix result, priority strategies that can be implemented by BMT Tawfin was weakness – oportunities (WO) strategy. The BOS sequenced the new proposed 5 strategy priority. The result of the research showed new proposed strategy has eligibility as the blue ocean strategy (BOS).

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