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Factors That Affect the Realization of MSME Financing at Sharia Bankaltimtara Samarinda 影响Sharia Bankaltimtara Samarinda中小微企业融资实现的因素
Pub Date : 2023-04-05 DOI: 10.21093/at.v8i1.5452
Bambang Iswanto, Rinna Ramadhan Ain Fitriah, M. Af, M. Munir
This research was motivated by the importance of financing the MSME sector based on syariah principles to overcome the problem of limited MSME business capital and avoid the element of usury. The research aims to determine what factors had a significant effect on the realization of MSME financing at the Sharia Bankaltimtara, Samarinda. To analyze the factors that influenced the realization of MSME financing, the used method was multiple linear regression analysis. The independent variables were estimated, namely the age of the customer, the level of education of the customer, the length of the business of the customer, the net income per month, the type of business, the composition of venture capital, collateral value, and type of financing contract. Multiple linear regression analysis was tested with the SPSS 23.0 statistical tool. This research finds that there are two factors that have a significant influence on the realization of MSME financing at Sharia Bankaltimtara, Samarinda, namely the customer's net profit per month and the value of the financing collateral.
本研究的动机是基于syariah原则为中小微企业部门融资的重要性,以克服中小微企业商业资本有限的问题,避免高利贷的因素。该研究旨在确定哪些因素对Samarinda Sharia Bankaltimtara中小微企业融资的实现产生了重大影响。为了分析影响中小微企业融资实现的因素,采用了多元线性回归分析的方法。估计了自变量,即客户的年龄、客户的教育水平、客户的业务期限、每月净收入、业务类型、风险投资的组成、抵押品价值和融资合同的类型。采用SPSS 23.0统计工具进行多元线性回归分析。本研究发现,有两个因素对Samarida Sharia Bankaltimtara中小微企业融资的实现有重大影响,即客户每月净利润和融资抵押品的价值。
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引用次数: 1
GoFood Vs ShopeeFood: Manakah yang Menjadi Pilihan Generasi Z? GoFood与ShopeeFood:Z世代的选择在哪里?
Pub Date : 2023-03-20 DOI: 10.21093/at.v7i2.4801
Fita Nurotul Faizah, Zulfaturrohmaniyah Zulfaturrohmaniyah
This study tries to ascertain Generation Z's preference for online food delivery between ShopeeFood and GoFood based on the notion of the marketing mix from an Islamic economics perspective. A comparative descriptive methodology was adopted. The research participants at the time were Generation Z from Semarang City. About the sample that was obtained through accidental sampling under non-probability sampling. While research data was gathered from observations, questionnaires, observations, interviews, and documentation. According to the findings, Generation Z prefers ShopeeFood over GoFood. From a sharia economic perspective, this can be seen in the 7P marketing mix, which includes: pragmatism & product aspects, which explain that even though there are more GoFood merchants, Generation Z prefers ShopeeFood because the necessary menu options are also available in the market, while the pertinence & promotion aspect, which explains ShopeeFood offers more promos even though it claims the promo is easier on GoFood, and the palliation & price aspect, where Shop The results are not significantly different for the factors of persistence and process, patience and environment, peer support and people, pedagogy and environment, and so on.
本研究试图从伊斯兰经济学的角度,基于营销组合的概念,确定Z世代在ShopeeFood和GoFood之间对在线送餐的偏好。采用了比较描述性方法。当时的研究参与者是来自三宝垄市的Z世代。关于在非概率抽样下通过偶然抽样获得的样本。而研究数据是从观察、问卷、观察、访谈和文件中收集的。根据调查结果,Z世代更喜欢ShopeeFood而不是GoFood。从伊斯兰教法的经济角度来看,这可以从7P营销组合中看出,包括:实用主义和产品方面,这解释了尽管有更多的GoFood商家,Z世代更喜欢ShopeeFood,因为市场上也有必要的菜单选项,而针对性和促销方面,这解释了ShopeeFood提供了更多的促销活动,尽管它声称促销活动在GoFood上更容易,以及缓解和价格方面,Shop的结果在坚持和过程、耐心和环境、同伴支持和人、教育和环境等因素方面没有显着差异。
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引用次数: 0
COVID-19 dan Pasar Modal Syariah: Pendekatan Regresi Korelasi Kanonikal 新冠肺炎和Syarias模态市场:典型相关回归方法
Pub Date : 2023-03-20 DOI: 10.21093/at.v8i1.5779
Ratna Octaviana
Economic activity in 2019–2020 were heavily impacted by the COVID-19 pandemic sickness. The effect of COVID-19 on investments made on Islamic financial markets, however, has not been studied in research. The primary focus of this study will be on the connection between the Covid-19 movement and the Islamic financial market industry. In the quantitative method, canonical correlation analysis was used. Samples were collected from March 3 through August. The movement of the Jakarta Islamic Index and the Covid-19 Movement variable are used to examine Sharia Mutual Funds and Sukuk. The results show that neither of the two dependent variables—the Jakarta Islamic Index nor Sukuk—is significantly impacted by the movement of Covid-19. But, there is one factor on which Islamic mutual funds have a positive and significant influence.
2019年至2020年的经济活动受到新冠肺炎大流行性疾病的严重影响。然而,新冠肺炎对伊斯兰金融市场投资的影响尚未在研究中进行研究。本研究的主要重点将是新冠肺炎运动与伊斯兰金融市场行业之间的联系。在定量方法中,使用了典型相关分析。样本采集时间为3月3日至8月。雅加达伊斯兰指数(Jakarta Islamic Index)和新冠肺炎运动(Covid-19 movement)变量的运动用于检查Sharia Mutual Funds和Sukuk。结果表明,雅加达伊斯兰指数和Sukuk-i这两个因变量都不受新冠肺炎运动的显著影响。但是,有一个因素对伊斯兰共同基金产生了积极而重大的影响。
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引用次数: 1
Panic Buying as a Cause of Inflation According to al-Maqrizi's Perspective 根据al-Maqrizi的观点,恐慌性购买是通货膨胀的一个原因
Pub Date : 2023-03-13 DOI: 10.21093/at.v8i1.4416
Difi Dahliana
This article was written based on the results of qualitative literature research which aims to determine the impact of panic buying in March 2020 on the inflation rate in Indonesia and to classify panic buying as the cause of inflation based on al-Maqrizi's perspective. The background of this research is because there are only a few studies on panic buying in Islamic economic discourse that can be found when browsing in Google Scholar page, even though panic buying at that period was a problem in various countries. The results of this study are: 1) the panic buying that occurred in Indonesia was not severe, so it does not have an impact on the inflation rate; 2) according to al-Maqrizi’s perspective, panic buying can be classified into human error inflation.
本文是根据定性文献研究的结果撰写的,旨在确定2020年3月恐慌性购买对印度尼西亚通货膨胀率的影响,并根据al-Maqrizi的观点将恐慌性购买归类为通货膨胀的原因。本研究的背景是,尽管恐慌性购买在当时各国都是一个问题,但在谷歌Scholar页面上浏览时,关于伊斯兰经济话语中的恐慌性购买的研究却很少。本研究的结果是:1)印度尼西亚发生的恐慌性购买并不严重,因此对通货膨胀率没有影响;2)根据al-Maqrizi的观点,恐慌性购买可以归类为人为错误通货膨胀。
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引用次数: 0
Dampak Covid-19 terhadap Perekonomian Masyarakat Ditinjau dari Perspektif Ekonomi Syariah 新冠肺炎对社会经济影响的经济学修正
Pub Date : 2023-01-23 DOI: 10.21093/at.v8i1.5636
Yenni Batubara, Muhammad Yafiz, M. Batubara
The purpose of this study was to find out how big the impact of the covid-19 virus was on the economy of the people in the city of Medan, how did the people of the city of Medan anticipate being able to carry out their lives and how did the Medan city government take action to deal with the covid-19 virus. Data collection and retrieval was carried out by means of field research through observation and interviews with direct companies and obtained from respondents through questionnaires, focus groups, panels and also data from the results of direct interviews with researchers with informants and direct observation of the object or company where the author conducted the research. Economic growth which resulted in an almost recession and greatly decreased made all economic activists feel threatened by the spread of the pandemic, because it resulted in limited activities and also unusual economic activity. Islamic economics guarantees private ownership but also prioritizes common interests. So that private property can be used to help many people and be of benefit to others. The downturn in the Indonesian people's economy has also resulted in a number of outlets, or companies causing bankruptcy, and even dismissals have occurred in various companies which have also resulted in unemployment everywhere.
这项研究的目的是了解新冠肺炎病毒对棉兰市人民经济的影响有多大,棉兰市的人民如何预期能够过上自己的生活,以及棉兰市政府如何采取行动应对新冠肺炎病毒。数据收集和检索是通过实地调查的方式进行的,通过对直接公司的观察和访谈,通过问卷、焦点小组、小组从受访者那里获得,也通过对研究人员的直接访谈和对作者进行研究的对象或公司的直接观察获得数据。经济增长导致了几乎衰退并大幅下降,这让所有经济活动家都感到受到了疫情蔓延的威胁,因为这导致了有限的活动和不同寻常的经济活动。伊斯兰经济学保证私有制,但也优先考虑共同利益。因此,私人财产可以用来帮助许多人,并对他人有益。印尼人民经济的低迷也导致了许多网点或公司破产,甚至有多家公司被解雇,这也导致了各地的失业。
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引用次数: 0
Maqasid Sharia-Based Financial Plan to Prevent Conspicuous Consumption Among Muslim Household 以伊斯兰教法为基础的防止穆斯林家庭明显消费的金融计划
Pub Date : 2023-01-05 DOI: 10.21093/at.v8i1.5040
Martini Dwi Pusparini
The trend of the flexing phenomenon, especially on social media, is currently causing various reactions, one of which is the tendency to consume and use various luxury facilities. In consumer behavior, this phenomenon is referred to as Conspicuous Consumption. In today's modern world, it happens not only to upper-class consumers, but also to everyone in the community with various goals, including the goals of acquiring social status, prestige, or wealth. For lower-middle households, of course, this is a problem, so financial planning is needed. This study aims to explore the perspective of Maqasid Sharia in financial planning for Muslim families as a solution to the Conspicuous Consumption phenomenon. This research is a qualitative descriptive study with a library research approach. Data were obtained from official reports as well as other literature from journals, books and websites. The results of this study indicate that financial planning based on the Maqasid Sharia hierarchy, namely Dharurriyah, Hajiyyah and Tahsiniyyah can prevent the phenomenon of Conspicuous Consumption in Muslim households. In addition, Islamic consumption which prohibits Israf and aims to achieve Maslahah is a contradiction to Conspicuous Consumption. Good financial planning will ultimately bridge Muslim families to achieve prosperity in this world and the hereafter.
这一现象的趋势,尤其是在社交媒体上,目前正在引起各种各样的反应,其中之一就是消费和使用各种奢侈设施的趋势。在消费行为中,这种现象被称为炫耀性消费。在当今的现代社会中,这种情况不仅发生在上流社会的消费者身上,也发生在社会中每个人身上,他们有各种各样的目标,包括获得社会地位、声望或财富的目标。当然,对于中下阶层家庭来说,这是一个问题,因此需要进行财务规划。本研究旨在探讨伊斯兰教法(Maqasid Sharia)在穆斯林家庭财务规划中的观点,以解决炫耀性消费现象。本研究采用图书馆研究方法进行定性描述性研究。数据来自官方报告以及期刊、书籍和网站上的其他文献。本研究结果表明,基于伊斯兰教等级制度(Dharurriyah, Hajiyyah and tahsinyyah)的财务规划可以防止穆斯林家庭的炫耀性消费现象。此外,伊斯兰消费禁止以色列,目的是实现Maslahah,这与炫耀性消费是矛盾的。良好的财务规划将最终使穆斯林家庭在今世和后世实现繁荣。
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引用次数: 0
Strategi Pengelolaan Dana Infak (Program Koin NU) Di Lembaga Amil Zakat, Infak Dan Sedekah Nahdlatul Ulama Kota Samarinda Zakat Amil Valley、Infak和Samarinda Sedan Ulama市的感染财务管理战略(联合国硬币计划)
Pub Date : 2022-12-01 DOI: 10.21093/at.v8i1.4793
M. Hasbi, Darmawati, Mohamad Mahrus
The background of the problem in this study is departing from the lack of public knowledge about the potential of infak funds that we often offer in our daily lives. This is due to the obligation of a Muslim to commit tithe which has a complete guide in the Qur'an and Hadith. To overcome this. This research is to find out the LAZISNU Kota samarinda strategy in managing infak funds through the KOIN NU program and also the role of the institution in increasing the productive business of beneficiaries of infak funds. This research method is a type of field research with a descriptive qualitative approach. Data and data sources have 6 key informants and 2 main key informants. The research results obtained from this study are the first management strategies carried out by LAZISNU Kota Samarinda and MWCNU of Palaran Sub-District, Samarinda City, showing the effort to succeed the KOIU NU program, namely by collecting funds from NU congregations in Samarinda City coordinated by one person collectors in each of their assemblies and cooperation with food and food stalls to entrust KOIN NU cans, in management it cannot be said professionally because in reality only one of the management from LAZISNU Kota Samarinda and MWCNU in Palaran Sub-District who also collect, count and make monthly financial reports, while for the distribution of the four pillars of the central management program, namely the fields of education, health, economics and disaster preparedness and allans have been carried out according to ability.
本研究问题的背景是,公众对我们日常生活中经常提供的公共资金的潜力缺乏了解。这是由于穆斯林有义务履行十分之一,这在古兰经和圣训中有完整的指导。为了克服这一点。本研究旨在找出LAZISNU KOIN NU计划管理infak基金的策略,以及该机构在增加infak基金受益人的生产性业务方面的作用。这种研究方法是一种采用描述性定性方法的实地研究。数据和数据源有6个关键线人和2个主要关键线人。本研究获得的研究成果是萨玛林达市Palaran街道LAZISNU Kota Samarinda和MWCNU实施的第一个管理策略,显示了KOIN NU项目的成功,即从萨玛林达市的NU会众中筹集资金,每个会众由一个收集者协调,并与食品和食品摊贩合作委托KOIN NU罐头。在管理方面,不能说这是专业的,因为实际上只有LAZISNU Kota Samarinda和Palaran街道的MWCNU的管理人员中有一人也收集、统计和制作每月财务报告,而中央管理方案的四个支柱,即教育、卫生、经济和备灾和allans领域的分配是按能力进行的。
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引用次数: 0
Sharia Rural Banks in East Java: How Its Hazard Rate? (The Analysis Using Multiple Period Logit) 东爪哇的伊斯兰农村银行:风险率如何?(多周期Logit分析)
Pub Date : 2022-06-30 DOI: 10.21093/at.v7i2.4297
Ulfi Kartika Oktaviana, Titis Miranti
This study aimed to determine the susceptibility opportunities of each BPRS. The second objective is to find out the financial ratios that cause it. The financial sustainability measure is a measuring tool to calculate the chance of survival. Financial sustainability approximates the value of Financial Self-Sufficiency (FSS). The population used is BPRS in East Java. The analysis technique used survival analysis and multiple period logit models. The study results show that only 8 BPRS have a chance to sustain more than 30%. Research variables that invariably affect the sustainability of BPRS include NPF, ROA, Bank Size, PM, FR, GLP, WoR, and LDR. Financial sustainability is an excellent Early Warning System to determine financial institutions' financial health, so this research is a good contribution to them.
本研究旨在确定每种BPRS的易感机会。第二个目标是找出造成这种情况的财务比率。财务可持续性衡量是一种计算生存机会的衡量工具。财务可持续性接近财务自给自足(FSS)的价值。使用的人口是东爪哇的BPRS。分析方法采用生存分析和多期logit模型。研究结果表明,只有8个BPRS有机会维持在30%以上。影响BPRS可持续性的研究变量包括NPF、ROA、银行规模、PM、FR、GLP、WoR和LDR。财务可持续性是判断金融机构财务健康状况的一个很好的预警系统,因此本研究对金融机构的财务健康状况有很好的贡献。
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引用次数: 0
Social Capital and Participation in Moslem Organizations 社会资本与穆斯林组织的参与
Pub Date : 2022-06-30 DOI: 10.21093/at.v7i2.4293
Muhammad Irsyad Hawari, Alfiah Hasanah, Asep Muhammad Adam
This study aims to address the impact of participation in Moslem organizations on social capital in a setting of a country with the biggest Moslem population in the world. A survey of members and non-members of Moslem organization Muhammadiyah in Bandar Lampung City was conducted. The quantitative approach is used to display the data on the degree to which Muhammadiyah Moslem organizations' involvement has impacted the social capital index. The data analysis technique used is propensity score matching (PSM) analysis. The findings demonstrated that members of Muhammadiyah and non-Muhammadiyah had different social capital indices. Additionally, a person's involvement in Muslim groups significantly affects social capital. It suggests that Moslem organizations are not only present to provide religious understanding for their members but also capable of providing added value for them, that is, the addition of social capital for each member. 
本研究旨在探讨在世界上穆斯林人口最多的国家,参与穆斯林组织对社会资本的影响。对班达尔楠榜市穆斯林组织Muhammadiyah的成员和非成员进行了调查。定量方法用于显示穆斯林组织的参与对社会资本指数的影响程度的数据。所使用的数据分析技术是倾向得分匹配(PSM)分析。调查结果表明,穆罕默德和非穆罕默德的成员具有不同的社会资本指数。此外,一个人参与穆斯林群体会显著影响社会资本。它表明,穆斯林组织不仅是为了为其成员提供宗教理解,而且能够为他们提供附加值,即为每个成员增加社会资本。
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引用次数: 0
Membangun Kesadaran Santripreneur Berbasis Kearifan Lokal di Pondok Pesantren 在寄宿学校建立一种基于当地企业家审慎的意识
Pub Date : 2022-06-16 DOI: 10.21093/at.v7i2.4264
Z. Zamroni, Hasan Baharun, A. Febrianto, Muhammad Ali, Siti Rokaiyah
The development of information technology has made a real contribution to social life, especially in entrepreneurship. To make the best use of technology, it is necessary to prepare an intelligent millennial generation to look for opportunities. The prepared age must be mature in understanding the basics of entrepreneurship. The potential for economic empowerment of pesantren is further developed to improve the community’s economy; this is done to reduce the current poverty rate. The urgency of the pesantren’s economic spirit is enough to revive the pesantren’s economy from various activities—one of the activities that can foster the entrepreneurial spirit of students. The Nurul Jadid Islamic Boarding School tries to produce students by educating its students so that they can be entrepreneurs. This study aims to analyze and understand the activities carried out by the Nurul Jadid Islamic Boarding School to raise awareness of santripreneurs based on local wisdom. This study uses a qualitative approach to the type of phenomenology, in which researchers try to find and understand the phenomena that exist and are developing at this time. The data collection technique was carried out using participant observation, interviews with several informants, and documentation. Data analysis is done by presenting, collecting, and drawing conclusions. The results showed that building students' awareness of the importance of entrepreneurship was carried out by the Nurul Jadid Islamic Boarding School Community through Skills Activities carried out by bringing in mentors, Opening of Bazaar Stands, and Pesantren Cooperatives.
信息技术的发展对社会生活做出了实实在在的贡献,尤其是在创业方面。为了充分利用技术,有必要培养聪明的千禧一代寻找机会。准备年龄必须在理解创业的基本知识方面成熟。进一步发展赋予妇女经济权力的潜力,以改善社区经济;这样做是为了降低目前的贫困率。大学生经济精神的紧迫性足以从各种活动中振兴大学生经济——这是培养学生创业精神的活动之一。Nurul Jadid伊斯兰寄宿学校试图通过教育学生来培养学生,使他们能够成为企业家。本研究旨在分析和了解Nurul Jadid伊斯兰寄宿学校根据当地智慧开展的提高企业家意识的活动。本研究对现象学类型采用定性方法,研究人员试图发现和理解此时存在和正在发展的现象。数据收集技术是通过参与性观察、与几名举报人的访谈和文献资料进行的。数据分析是通过呈现、收集和得出结论来完成的。结果显示,Nurul Jadid伊斯兰寄宿学校社区通过引入导师、开设集市摊位和Pesantren合作社等方式开展技能活动,提高了学生对创业重要性的认识。
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引用次数: 1
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