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ANALISIS STRATEGI PEMBIAYAAN MUDHARABAH DALAM PEMBERDAYAAN USAHA (STUDI BTM AMANAH BANGUNREJO) Budi Suharto; Agus Hermanto; Anang Wahyu Eko Setianto
WADIAH Vol. 5 No. 2 (2021): Wadiah : Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

BMT (Baitul Maal Wat Tamwil) is a microfinance institution that serves as an intermediary between capital owners and recipients of capital. Therefore, the role of BMT needs to be further enhanced according to its function in collecting and distributing public funds, especially by paying more attention to financing to the productive economic sector, one of which is mudharabah financing. In this case, mudharabah financing is one of the financing used by BTM (Baitul Tamwil Muhammadiyah) Amanah Bangunrejo which is given to micro entrepreneurs in increasing their business. The problems discussed in this study are how is the mudharabah financing strategy in BTM Amanah Bangunrejo? And can the mudharabah financing strategy at BTM Amanah Bangunrejo empower businesses?. The purpose of this study is to describe and analyze the mudharabah financing strategy in empowering micro-enterprises. This research is descriptive qualitative, which describes and analyzes the problems raised. The data analysis technique in this study used descriptive qualitative data analysis. While the data collection techniques in this study used observation, interviews, and document retrieval. Based on the research, BTM Amanah Bangunrejo uses a business analysis strategy, a capital agreement and provision strategy, and a mentoring strategy. The mudharabah financing strategy has not been maximized in empowering micro-enterprises. Therefore, the researcher suggests that BTM Amanah Bangunrejo is more optimal in implementing the mudharabah financing strategy.

SOSIALISASI PENGUATAN KEWIRAUSAHAAN ATAS DASAR SPIRITUAL DALAM OPTIMALISASI KAMPUNG TANGGUNG ALBA MALANG Choirul Anam; Adya Hermawati; Survival
WADIAH Vol. 5 No. 2 (2021): Wadiah : Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Small businesses have a function and role in the development of theeconomic field. One way to create employment opportunities can be doneby developing a business (industry), namely through the development ofsmall businesses (industries). The result of socialization of communityservice activities is the optimization of pioneered businesses, committedto entrepreneurship, creating economic value in every business, andcreating jobs. And, spiritual values Always close to Allah, Always PresentAllah in life, business; Allah regulates everything in life, business; Trust inAllah; Leave all business to Allah; Trust in Allah; Love Allah with all myheart; Allah knows all human needs

PELUANG DAN TANTANGAN LEMBAGA KEUANGAN SYARIAH NON BANK DALAM PERSPEKTIF ISLAM Sulistyowati; Nabila Rahma Putri
WADIAH Vol. 5 No. 2 (2021): Wadiah : Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Before the Islamic economy developed rapidly as it is today, Indonesia only knew the conventional banking system. However, since 1992 Indonesia began to recognize the system of Islamic financial institutions. There are three basic principles that every Islamic financial institution must have, namely: the principle of equity, theprinciple of participation, and theprinciple of ownership. The prospects and business progress of Islamic financial institutions are realized by the increasingly advanced developments accompanied by existing technology, so LKS must follow developments by improving existing facilities and services. Some of the obstacles and obstacles in the development of LKS include the lack of community readiness to accept the presence of LKS, lack of socialization and education to the community and limited capital and access to capital. Islamic Financial Institutions in an Islamic perspective, namely according to the basis of the Qur'an, hadith, ijma, and qiyas. The foundation based on the Qur'an is divided into three aspects, namely about property management, about trade, and about usury. In the Qur'an there are several verses of the Qur'an including: QS. Al-Baqarah:188; QS. Adz-Dzariyat: 19; QS. Ali-24 Imron: 130; QS. Ar-Ra'd:11; and QS. Ar-Rahman:9. While the basis according to the hadith is divided into four aspects, namely: economics, trade, usury, and debt.

KERAGAMAN DAN PENGAMBILAN RISIKO DI BANK SYARIAH : PENTINGKAH LISTING PRODUCT ? Sondik Wicaksono
WADIAH Vol. 5 No. 2 (2021): Wadiah : Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v5i2.3512

Penelitian ini mengkaji dua dimensi keragaman pada dewan direksi (BOD) dan dewan pengawas syariah (DSB), yaitu keragaman gender dan keragaman pendidikan, dan pengaruhnya terhadap pengambilan risiko oleh bank syariah. Studi ini memperluas literatur dengan memeriksa apakah pengaruh keragaman gender dan pendidikan terhadap pengambilan risiko bank syariah berbeda berdasarkan apakah bank tersebut terdaftar secara publik. Berdasarkan sampel bank syariah di dua puluh enam negara, temuan menunjukkan bahwa representasi perempuan yang lebih besar di BOD mengurangi kebangkrutan risiko pada bank syariah yang terdaftar dan bahwa keragaman pendidikan anggota Direksi dan DPS memiliki pengaruh yang signifikan terhadap pengambilan risiko bank syariah, tergantung pada apakah mereka terdaftar secara publik. Hasilnya kuat untuk ukuran risiko berbasis pasar dan penggunaan perbedaan yang digeneralisasikan metode penduga momen dan teknik pencocokan skor kecenderungan.

BANK SAMPAH PERMATA DAN KONTRIBUSI SOSIAL EKONOMINYA BAGI MASYARAKAT Arif Zunaidi; Urfiatur Rohmi Setiani; Hevia Wahyu Khotimah
WADIAH Vol. 5 No. 2 (2021): Wadiah : Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Garbage has become a problem for today's society, not only in urbanareas, in rural areas also experiencing the same thing with regard towaste. In order to solve these problems, community participation isneeded to solve the waste problem. This study focuses on themanagement of waste banks by the Kediri Bunch Youth Association(Permata). This study uses a qualitative descriptive to describe theproblems related to the theme, where the author tries to describe thesocial role of waste bank management carried out by the youth of thevillage of Tandan. As a field research, this research shows that socially,this waste management activity has been successful, while in theeconomic sector, although it is less significant in providing income for thecommunity, it has succeeded in increasing village income which is thenused to buy seeds and distributed to the people of the Tandan hamlet.

ANALISIS STRATEGI PEMBIAYAAN MUDHARABAH DALAM PEMBERDAYAAN USAHA (STUDI BTM AMANAH BANGUNREJO) Budi Suharto; Agus Hermanto; Anang Wahyu Eko Setianto
WADIAH Vol. 5 No. 2 (2021): Wadiah : Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v5i2.3509

BMT (Baitul Maal Wat Tamwil) is a microfinance institution that serves as an intermediary between capital owners and recipients of capital. Therefore, the role of BMT needs to be further enhanced according to its function in collecting and distributing public funds, especially by paying more attention to financing to the productive economic sector, one of which is mudharabah financing. In this case, mudharabah financing is one of the financing used by BTM (Baitul Tamwil Muhammadiyah) Amanah Bangunrejo which is given to micro entrepreneurs in increasing their business. The problems discussed in this study are how is the mudharabah financing strategy in BTM Amanah Bangunrejo? And can the mudharabah financing strategy at BTM Amanah Bangunrejo empower businesses?. The purpose of this study is to describe and analyze the mudharabah financing strategy in empowering micro-enterprises. This research is descriptive qualitative, which describes and analyzes the problems raised. The data analysis technique in this study used descriptive qualitative data analysis. While the data collection techniques in this study used observation, interviews, and document retrieval. Based on the research, BTM Amanah Bangunrejo uses a business analysis strategy, a capital agreement and provision strategy, and a mentoring strategy. The mudharabah financing strategy has not been maximized in empowering micro-enterprises. Therefore, the researcher suggests that BTM Amanah Bangunrejo is more optimal in implementing the mudharabah financing strategy.

SOSIALISASI PENGUATAN KEWIRAUSAHAAN ATAS DASAR SPIRITUAL DALAM OPTIMALISASI KAMPUNG TANGGUNG ALBA MALANG Choirul Anam; Adya Hermawati; Survival
WADIAH Vol. 5 No. 2 (2021): Wadiah : Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v5i2.3510

Small businesses have a function and role in the development of theeconomic field. One way to create employment opportunities can be doneby developing a business (industry), namely through the development ofsmall businesses (industries). The result of socialization of communityservice activities is the optimization of pioneered businesses, committedto entrepreneurship, creating economic value in every business, andcreating jobs. And, spiritual values Always close to Allah, Always PresentAllah in life, business; Allah regulates everything in life, business; Trust inAllah; Leave all business to Allah; Trust in Allah; Love Allah with all myheart; Allah knows all human needs

PELUANG DAN TANTANGAN LEMBAGA KEUANGAN SYARIAH NON BANK DALAM PERSPEKTIF ISLAM Sulistyowati; Nabila Rahma Putri
WADIAH Vol. 5 No. 2 (2021): Wadiah : Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v5i2.3511

Before the Islamic economy developed rapidly as it is today, Indonesia only knew the conventional banking system. However, since 1992 Indonesia began to recognize the system of Islamic financial institutions. There are three basic principles that every Islamic financial institution must have, namely: the principle of equity, theprinciple of participation, and theprinciple of ownership. The prospects and business progress of Islamic financial institutions are realized by the increasingly advanced developments accompanied by existing technology, so LKS must follow developments by improving existing facilities and services. Some of the obstacles and obstacles in the development of LKS include the lack of community readiness to accept the presence of LKS, lack of socialization and education to the community and limited capital and access to capital. Islamic Financial Institutions in an Islamic perspective, namely according to the basis of the Qur'an, hadith, ijma, and qiyas. The foundation based on the Qur'an is divided into three aspects, namely about property management, about trade, and about usury. In the Qur'an there are several verses of the Qur'an including: QS. Al-Baqarah:188; QS. Adz-Dzariyat: 19; QS. Ali-24 Imron: 130; QS. Ar-Ra'd:11; and QS. Ar-Rahman:9. While the basis according to the hadith is divided into four aspects, namely: economics, trade, usury, and debt.

KERAGAMAN DAN PENGAMBILAN RISIKO DI BANK SYARIAH : PENTINGKAH LISTING PRODUCT ? Sondik Wicaksono
WADIAH Vol. 5 No. 2 (2021): Wadiah : Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v5i2.3512

Penelitian ini mengkaji dua dimensi keragaman pada dewan direksi (BOD) dan dewan pengawas syariah (DSB), yaitu keragaman gender dan keragaman pendidikan, dan pengaruhnya terhadap pengambilan risiko oleh bank syariah. Studi ini memperluas literatur dengan memeriksa apakah pengaruh keragaman gender dan pendidikan terhadap pengambilan risiko bank syariah berbeda berdasarkan apakah bank tersebut terdaftar secara publik. Berdasarkan sampel bank syariah di dua puluh enam negara, temuan menunjukkan bahwa representasi perempuan yang lebih besar di BOD mengurangi kebangkrutan risiko pada bank syariah yang terdaftar dan bahwa keragaman pendidikan anggota Direksi dan DPS memiliki pengaruh yang signifikan terhadap pengambilan risiko bank syariah, tergantung pada apakah mereka terdaftar secara publik. Hasilnya kuat untuk ukuran risiko berbasis pasar dan penggunaan perbedaan yang digeneralisasikan metode penduga momen dan teknik pencocokan skor kecenderungan.

BANK SAMPAH PERMATA DAN KONTRIBUSI SOSIAL EKONOMINYA BAGI MASYARAKAT Arif Zunaidi; Urfiatur Rohmi Setiani; Hevia Wahyu Khotimah
WADIAH Vol. 5 No. 2 (2021): Wadiah : Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v5i2.3513

Garbage has become a problem for today's society, not only in urbanareas, in rural areas also experiencing the same thing with regard towaste. In order to solve these problems, community participation isneeded to solve the waste problem. This study focuses on themanagement of waste banks by the Kediri Bunch Youth Association(Permata). This study uses a qualitative descriptive to describe theproblems related to the theme, where the author tries to describe thesocial role of waste bank management carried out by the youth of thevillage of Tandan. As a field research, this research shows that socially,this waste management activity has been successful, while in theeconomic sector, although it is less significant in providing income for thecommunity, it has succeeded in increasing village income which is thenused to buy seeds and distributed to the people of the Tandan hamlet.

Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name
Adin Fadilah

Contact Email
jurnalwadiah@iainkediri.ac.id

Phone
+6285785985155

Journal Mail Official
jurnalwadiah@iainkediri.ac.id

Editorial Address
JL.SUNAN AMPEL NO 7 NGRONGGO, Kediri, Provinsi Jawa Timur, 64127

Location
Kota kediri,

Jawa timur

INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Adin Fadilah

Contact Email jurnalwadiah@iainkediri.ac.id

Phone +6285785985155

Journal Mail Official jurnalwadiah@iainkediri.ac.id

Editorial Address JL.SUNAN AMPEL NO 7 NGRONGGO, Kediri, Provinsi Jawa Timur, 64127

Location Kota kediri, Jawa timur INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Contact Name
Adin Fadilah

Contact Email
jurnalwadiah@iainkediri.ac.id

Phone
+6285785985155

Journal Mail Official
jurnalwadiah@iainkediri.ac.id

Editorial Address
JL.SUNAN AMPEL NO 7 NGRONGGO, Kediri, Provinsi Jawa Timur, 64127

Location
Kota kediri,

Jawa timur

INDONESIA