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Jurnal Iqtisaduna
Published by Universitas Islam Negeri Alauddin Makassar
ISSN : 23549629     EISSN : 25491334     DOI : https://doi.org/10.24252/iqtisaduna.v1i1.11825
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
This study aims to determine the efforts of Islamic Financial Institutions in empowering SMEs, strategies and important roles carried out by LKS in order to empower SMEs through the provision of capital to be managed in business. The method used in this research is descriptive analysis method, a method that only describes various forms of paradigms about empowerment strategies for SMEs, the most important data sources in this study are related to the search for library data, relevant books, and scientific papers. others relevant to the object of study. The results of this study indicate that there has been much power and effort carried out by the Islamic Finance Agency in order to empower SMEs, this can be proven by the existence of several programs, products, and financing aimed directly at SMEs. The strategy used is; provide complete information as well as promotion to SMEs, provide financing for their business development, provide financing in accordance with the type of business that SMEs are involved in with the concept of sharia principles. The implication of this research is to continue to provide services professionally and provide the best so that they are truly able to provide community welfare, more selective in providing financing so as to minimize the losses that will occur, increase technological resources so that SMEs can easily access information.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 235 Documents
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Analysis of Inflation Targets in Indonesia During The New Normal Era: New Consensus Approach to an Open Economy Abdul Kadir Arno; Ilham Ilham; Akbar Sabani; Iksan Purnama
Jurnal Iqtisaduna Proceeding of International Conference on Islamic Economics and Business 2020
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v1i1.15810

Abstract

This article aims to discuss a growth model in terms of demand constrained by economic policy with inflation targeting in a super multiplier sraff model by analyzing how economic policy can affect productive capacity growth. This article also analyzes the open economy if inflation is a phenomenon resulting from the policy of the monetary authority that can manage the nominal exchange rate through changes in interest rates. Since the distribution of functional income will depend on the evolution of nominal wages, exchange rates and interest rates, we will show that the inflation targeting system, apart from being neutral in terms of long-term growth, can also produce different results in terms of the distribution of functional income
Perception of Sharia Banks Comparison Between Baby Boomers Generations and Millennial Generations Ramlah Ramlah; Adzan Noor Bakri; Nurmaya Fitriani Munir
Jurnal Iqtisaduna Proceeding of International Conference on Islamic Economics and Business 2020
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v1i1.15849

Abstract

The objectives of this study are 1) To find out the description of the perception of baby boomers about sharia banking; 2) To find out the description of millennial generation perceptions about Islamic banking; 3) To find out how to compare the perception of the two generations of Islamic banks. This writing uses a Descriptive Statistics Method that seeks to illustrate how phenomena that occur when conducting research. Data collection is done through the distribution of questionnaires/questionnaires by directly plunging into the field and given to the elderly and productive age communities. It was testing the research hypothesis using the Maan-Whitney U Test. This research shows that (1) the Baby boomers generation understands well about sharia banking, both in terms of knowledge, religiosity, profit sharing, facilities/services, and location of sharia banking. (2) Millennials better understand Islamic banking, both in terms of knowledge, religiosity, profit sharing, facilities/services, and location of Islamic banking. However, after testing the hypothesis, it was found that there were no differences in the perceptions of the two generations.
Analysis Factors Affect of Murabahah Margin in Sharia Commercial Banks in Indonesia Ainun Nisa
Jurnal Iqtisaduna Proceeding of International Conference on Islamic Economics and Business 2020
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v1i1.15850

Abstract

Financing with the murabahah contract becomes the most dominating because murabahah contract is easier to use because it is obvious the split, does not require a complex analysis that benefit both parties between Islamic banks and customers. So that murabahah financing becomes the main product in Islamic banking in Indonesia. The research purpose to analysis and determine a direct effect of operating expense and third fund party to murabahah margin in sharia commercial banks in Indonesia.  The period use in this research is 5 years, starting from 2014 to 2018. The type of this research was an causal research to show the direction in the relation between operating expense and third fund party to murabahah margin also to measure the strength of the relation between two or more variables. The population in this research a number of 14 islamic commercial banks that have been and are still registered with the Financial Services Authority in 2014 to 2018. The data analysis technique used in purposive sampling and obtained a sample of 12 islamic commercial banks. The data analysis technique used is multiple linear regression using eviews version 9. The results showed that the operating expense had a negative and significant effect on murabahah margin and third fund party had a positive and significant effect on murabahah margin.
Thematic Review of Sukuk Ijarah Issued in Nigeria: An Opportunity for Economic Development Ibraheem Alani Abdul Kareem; Mohd. Sadad bin Mahmud; Abdul Fattah Abdul Ganiyy
Jurnal Iqtisaduna Proceeding of International Conference on Islamic Economics and Business 2020
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v1i1.15851

Abstract

Ijarah Sukuk is becoming one of the most improved products in Islamic finance.  It has become an alternative source of financing and liquidity for both private and public sectors. Also, it plays important role in development of the economy of Muslim and no-Muslim countries. The objective of this paper is to clarify the concept of Sukuk Ijarah and discuss its opportunity for economic development of the country. Also, the issues and challenges related to the implementation of Islamic finance particularly Sukuk by the Federal government of Nigeria (FGN) and also as an alternative to conventional bond. The paper adopts content analysis of relevant previous studies. Findings reveal the potential of Sukuk ijarah as an alternative for rapid economic growth and its functional role in attracting government and client to invest in it. Furthermore, the authors observe that misunderstanding among religious leaders is a major challenge to the growth of Islamic banks and implementation of Sukuk in Nigeria. It is recommended that workshops, seminars and conferences are to be organized by Islamic centres, financial institutions and academicians in Universities to spread knowledge and create awareness among Nigerians Muslims and non-Muslims about benefit and advantage of Islamic finance products and Sukuk in particular.
The Performance of Sharia Equity Fund Investment Manager Anni Maftukhah
Jurnal Iqtisaduna Proceeding of International Conference on Islamic Economics and Business 2020
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v1i1.16056

Abstract

Sharia mutual funds are fund raising activities from investors to be managed by investment managers with sharia-based management, namely by not investing funds in companies whose types and scope of business are not in accordance with Islamic sharia. This study was conducted to determine the effect of turnover ratio, expenses ratio, fund size, managerial tenure, and fund selection skills on the performance of sharia mutual fund investment managers in Indonesia. The data used in this study are monthly Net Asset Value, BI rate, IHSG, annual turnover data, annual expenses ratio data, and prospectus of 9 sharia stock mutual funds from December 2014 to December 2018. Samples were taken based on the purposive sampling method during this research. The measurement of the performance of sharia equity fund investment managers uses the Sharpe Ratio method. The method used is multiple linear regression analysis and classic assumption tests using descriptive statistical tests, multicollinearity tests, and heteroscedasticity tests using EVIEWS 10 statistical software. The results of this study indicate that turnover ratio, fund size, fund selection skills significantly influence performance Islamic mutual fund investment manager. While expenses and managerial tenure ratios do not significantly influence the performance of investment managers in Islamic mutual funds.
Small and Medium Enterprises Business Strategy in Pandemic COVID-19 Darwis Harahap; Ferry Alfadri; Ayu Damayanti
Jurnal Iqtisaduna Proceeding of International Conference on Islamic Economics and Business 2020
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v1i1.16057

Abstract

The COVID-19 pandemic that has hit the world including Indonesia since early 2020 has had a significant impact on the Indonesian economy, especially in the Small and Medium Enterprises (SME’s) sector. This study aims to determine an efficient business strategy to survive the COVID-19 pandemic in Padangsidimpuan City. This study uses descriptive qualitative analysis techniques with semi-structured interview methods using purposive sampling in selecting sources and then analyzed with SWOT analysis and described in the form of a matrix so as to produce several alternative SME’s business strategies during the COVID-19 pandemic. The results showed that several sectors in Padangsidimpuan City felt the direct impact of the COVID-19 pandemic, such as the areas of public transportation and tourism which experienced a decline. Meanwhile, in the food sector it is still stable, but in services such as expeditions and delivery it has increased. The narrow space of movement between sellers and buyers that is happening now makes selling online the main solution. Businesses need to open up insight in thinking to start choosing e-marketing as a promotional path for goods and services to increase the number of sales transactions while still adhering to health protocols.
The Effect of Company Sizes and Net Working Capital on Cash Holding With Profitability as Intervening Variables in Food and Beverage Sub Sector Companies Registered in Indonesia Stock Exchange Murtiadi Awaluddin; Elis Elis; Sri Prilmayanti Awaluddin; Rulyanti Susi Wardhani; Syarif Syharir Malle
Jurnal Iqtisaduna Proceeding of International Conference on Islamic Economics and Business 2020
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v1i1.16321

Abstract

The COVID-19 pandemic that has hit the world including Indonesia since early 2020 has had The purpose of this study was to determine and analyze the influence of company size and net working capital towards holding cash with profitability as an intervening variable. This Research uses quantitative methods with 2013-2017 observation years. The research sample consisted of 15 food and beverage sub-sector companies listed on the Indonesia Stock Exchange, while the method used was purposive sampling. The analytical method used is multiple linear regression and path analysis. The results showed the size of the company had a negative and not significant effect on profitability, net working capital was positive and not significant on profitability. Company size, net working capital, and profitability have a positive and significant influence on cash holding. Profitability is not able to mediate the effect of company size on cash holding.But profitability is able to mediate the effect of net working capital on cash holding
Non- Bank Islamic Mortgage in Maqashid al-Sharia Perspective Fahmi Syam; Afifuddin Kadir; Ayuesha Nur Salma
Jurnal Iqtisaduna Proceeding of International Conference on Islamic Economics and Business 2020
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v1i1.17429

Abstract

Home mortgage or KPR is regarded as an alternative answer for possessing a house recently, Home mortgage should be possible either through Conventional bank and sharia bank. However, recently there have been new alternatives of owning home by using non-bank Islamic mortgage. Where the mortgage can presently be directly handled by the developer without involving the bank. The issues of this Paper are describing the opinion that non-Bank Islamic Mortgage is more sharia than Islamic Banking in providing Islamic Housing, such as no BI Checking, no riba, no fines, no confiscation, and etc.  The purpose of this research is to identify the scheme of non-bank Islamic Mortgage, and analyse the scheme in Maqasid Sharia perspective as Importance foundation in religion.  The methods in this study are descriptive analysis research. The data used  is secondary data and data collection techniques are literature studies. After discussing, the results showed that Non-Bank Islamic Mortgage cause a lot of harm in term of customer and sharia developer it self in Maqāsid Sharia perspective.
Analisis Perilaku Pedagang Kaki Lima Menurut Tinjauan Etika Bisnis Islam Khairil Umuri; Azharsyah Ibrahim
Jurnal Iqtisaduna Vol 6 No 2 (2020)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v6i2.17511

Abstract

Pedagang kaki lima merupakan sekelompok orang (komunitas) yang menekuni perdagangan dalam sektor informal yang berbasis kerakyatan. Dalam prakteknya, sering ditemui perilaku pedagang kaki lima yang menyimpang dalam transaksi jual beli, seperti menjual produk yang berbahaya atau menyembunyikan kecatatan barang dagangan. Penelitian ini bertujuan untuk mengkaji bagaimana perilaku pedagang makanan jajanan di Kota Banda Aceh ditinjau menurut etika bisnis Islam. Penelitian ini juga menggunakan metode deskriptif analisis, melalui wawancara, observasi dan dokumentasi. Hasil penelitian menunjukkan bahwa perilaku pedagang makanan jajanan di Kota Banda Aceh telah sesuai dengan etika bisnis Islam, seperti perilaku religius (tawḥid), keseimbangan (‘adl), kehendak bebas (ikhtiyār), tanggung jawab (farḍ), dan kebajikan (iḥsān). 
Perlakuan Denda Pembiayaan Berbasis Konsep Al-Adl Dalam Menjaga Eksistensi Bisnis Bank Syariah Muchlish Khomayny; Muhammad Wahyuddin Abdullah
Jurnal Iqtisaduna Vol 6 No 2 (2020)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v6i2.18117

Abstract

Salah satu faktor penyebab rendahnya market share perbankan syariah adalah dari segi Non Performing Financing (Rasio Kredit Bermasalah/NPF) yang tinggi. Upaya untuk menekan NPF antara lain dengan diberlakukannya denda pada akad jual beli (murabahah) berdasarkan FATWA DSN MUI No.17/DSN MUI/IX/2000. Artikel ini bertujuan untuk menganalisis perlakuan denda berdasarkan konsep Al-Adl dan kesesuaiannya dengan prinsip syariah, serta efektifitasnya terhadap eksistensi bisnis bank syariah. Penelitian ini adalah riset kepustakaan (library research) dengan analisis kualitatif. Hasil artikel ini menunjukkan bahwa Bank syariah boleh menarik denda keterlambatan dari nasabah pembiayaan murabahah dengan berdasarkan konsep Al-Adl, dimana syarat nasabah yang memperoleh denda adalah nasabah yang mampu tetapi menunda pembayaran. Dalam penyalurannya, denda tersebut harus diperuntukkan sebagai dana sosial dan bukan dijadikan sebagai pendapatan atau memberikan keuntungan pada bank syariah. Pengenaan sanksi denda bukanlah dalam rangka mencari keuntungan melainkan bertujuan agar nasabah/konsumen lebih disiplin dalam melaksanakan kewajibannya. Dengan demikian terwujud keadilan sebagai salah satu asas pelaksanaan bank syariah antara  pemberi modal dan pemakai modal yang ditandai dengan makin membaiknya nilai NPF bank syariah dan secara langsung berpengaruh positif terhadap eksistensi bisnis bank syariah.

Page 11 of 24 | Total Record : 235

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