Pub Date : 2018-06-30DOI: 10.31332/lifalah.v3i1.1191
W. Maguni, Haris Maupa
In principle what has been discussed by experts on the theory of Work Motivation,Performance, and Achievement, from the results of the research Journal review obtained definitions as well as indicators on each theory which is a variable that is motivation, performance and work performance, essentially there is an explanation and legal source in the Koran. This is a strengthening and meaning for these variables. This is evidence that the Koran as a divine word is the greatest source of knowledge that we can learn and understand and practice in everyday life. Developing theoretical theories such as motivation, performance and work performance, can be applied and practiced in a general organization, business environment, and included in Islamic Banking. Motivation is the process of influencing or encouraging from outside to a person or work group in order to want to carry out something that has been determined (Samsudin, 2005: 281). Furthermore Performance is the real behavior displayed by each person as workperformance produced by employees in accordance with their role in the organization.Employee performance is a very important thing in the organization's efforts to achieve its goals.And on the next point is work achievement which is one measure of the work of a person in a company organization and becomes one of the considerations in the implementation of promotion. The achievement of one's work can be seen based on the qualifications possessed, namely skills, skills, experience and environment work (adaptability).
{"title":"Teori Motivasi, Kinerja dan Prestasi Kerja dalam Al-Quran Serta Pleksibilitas Penerapannya pada Manajemen Perbankan Islam","authors":"W. Maguni, Haris Maupa","doi":"10.31332/lifalah.v3i1.1191","DOIUrl":"https://doi.org/10.31332/lifalah.v3i1.1191","url":null,"abstract":"In principle what has been discussed by experts on the theory of Work Motivation,Performance, and Achievement, from the results of the research Journal review obtained definitions as well as indicators on each theory which is a variable that is motivation, performance and work performance, essentially there is an explanation and legal source in the Koran. This is a strengthening and meaning for these variables. This is evidence that the Koran as a divine word is the greatest source of knowledge that we can learn and understand and practice in everyday life. Developing theoretical theories such as motivation, performance and work performance, can be applied and practiced in a general organization, business environment, and included in Islamic Banking. Motivation is the process of influencing or encouraging from outside to a person or work group in order to want to carry out something that has been determined (Samsudin, 2005: 281). Furthermore Performance is the real behavior displayed by each person as workperformance produced by employees in accordance with their role in the organization.Employee performance is a very important thing in the organization's efforts to achieve its goals.And on the next point is work achievement which is one measure of the work of a person in a company organization and becomes one of the considerations in the implementation of promotion. The achievement of one's work can be seen based on the qualifications possessed, namely skills, skills, experience and environment work (adaptability).","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"42172528","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2018-06-30DOI: 10.31332/LIFALAH.V3I1.1190
Sodiman Sodiman
The study of halal food has grown rapidly, not only in countries that are predominantly Muslim, but also in Muslim minority countries. The purpose of this article is to reveal how religious norms regarding halal and thoyy food have proceeded into the technoscientific certification of halal certification in Indonesia which is predominantly Muslim through microscopic studies at the Institute for the Study of Food Medicine and Cosmetics-Indonesian Ulama Council (LPPOM-MUI) Southeast Sulawesi. The study used a qualitative approach with primary data sourced from the institutions and actors involved in the certification process at LPPOM-MUI Southeast Sulawesi, namely directors, employees, auditors and the Southeast Sulawesi MUI Fatwa Council, business actors and consumers of certified food products. Data collection through in-depth interviews, observation, and document studies. Data processing used data reduction techniques, data classification, data display, data interpretation and conclusions. This study found, first, halal techno-scientifications were run by LPPOM-MUI through standardization (1) of materials, (2) products, (3) production facilities, (4) written procedures for critical activities, and (5) search capabilities. Second, the role of LPPOM-MUI in protecting Muslim consumers as institutions and actors guarding halal standards for products that will circulate to the public. The researcher argues that the impact of halal certification is the protection of consumers (Muslims). However, no illicit (haram) certification is applied to products that are not halal certified to be a gapand space for the circulation of food products, medicines and cosmetics that are not halal to the market (society).
{"title":"Sertifikasi Halal Produk Makanan Sebagai Perlindungan Konsumen Muslim; Studi di Lembaga Pengkajian Pangan Obat-Obatan dan Kosmetika-Majelis Ulama Indonesia Sulawesi Tenggara","authors":"Sodiman Sodiman","doi":"10.31332/LIFALAH.V3I1.1190","DOIUrl":"https://doi.org/10.31332/LIFALAH.V3I1.1190","url":null,"abstract":"The study of halal food has grown rapidly, not only in countries that are predominantly Muslim, but also in Muslim minority countries. The purpose of this article is to reveal how religious norms regarding halal and thoyy food have proceeded into the technoscientific certification of halal certification in Indonesia which is predominantly Muslim through microscopic studies at the Institute for the Study of Food Medicine and Cosmetics-Indonesian Ulama Council (LPPOM-MUI) Southeast Sulawesi. The study used a qualitative approach with primary data sourced from the institutions and actors involved in the certification process at LPPOM-MUI Southeast Sulawesi, namely directors, employees, auditors and the Southeast Sulawesi MUI Fatwa Council, business actors and consumers of certified food products. Data collection through in-depth interviews, observation, and document studies. Data processing used data reduction techniques, data classification, data display, data interpretation and conclusions. This study found, first, halal techno-scientifications were run by LPPOM-MUI through standardization (1) of materials, (2) products, (3) production facilities, (4) written procedures for critical activities, and (5) search capabilities. Second, the role of LPPOM-MUI in protecting Muslim consumers as institutions and actors guarding halal standards for products that will circulate to the public. The researcher argues that the impact of halal certification is the protection of consumers (Muslims). However, no illicit (haram) certification is applied to products that are not halal certified to be a gapand space for the circulation of food products, medicines and cosmetics that are not halal to the market (society).","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"43158114","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2018-06-30DOI: 10.31332/LIFALAH.V3I1.1189
Husain Insawan, M. Mutmainnah
This study aims to determine the perceptions of employees of the BNI Syariah BankBranch of Kendari regarding the concept of al-Ibrah, as well as to investigate theexistence of Al-Ibrah it has been implemented or not. Sharia Commercial Banks in Indonesia are growing promising in the future. Thirteen Sharia Commercial Banks have been recorded. But there is one action that is not yet familiar to do, which is doing Al-Ibrah or bleaching of receivables. BNI Syariah Branch employees still have a cross opinion about this concept. This action is actually legally guaranteed through the DSN-MUI Fatwa No. 47 / DSN-MUI / II /2005 concerning Settlement of Murabahah Receivables for Customers Who Are Not Able to Pay. Kendari Branch BNI Syariah as part of the Sharia Commercial Bank is not in a position to reject the existence of Al-Ibrah, but to avoid it from the outset the principle of caution has been applied in offering financing products through Musyarakah, Mudharabah, Murabahah, Istishna, or borrowing through Qardh
本研究旨在确定BNI伊斯兰银行肯达里分行员工对al-Ibrah概念的看法，并调查是否存在已经实施的al-Ibrah。印尼的伊斯兰商业银行在未来正变得越来越有希望。有13家伊斯兰商业银行被记录在案。但有一项行动尚不熟悉，那就是对应收账款进行漂白。BNI伊斯兰分支的员工仍然对这个概念持不同意见。这一行动实际上是通过DSN-MUI第47 / DSN-MUI / II /2005号关于为无法付款的客户结算Murabahah应收账款的法特瓦得到法律保证的。作为伊斯兰商业银行的一部分，伊斯兰国家银行(BNI Syariah)不能拒绝Al-Ibrah的存在，但为了从一开始就避免Al-Ibrah的存在，在通过Musyarakah、Mudharabah、Murabahah、Istishna提供融资产品或通过Qardh借款时，采用了谨慎原则
{"title":"Eksistensi Al-Ibrah (Pemutihan Piutang) Pada Bank BNI Syariah Cabang Kendari","authors":"Husain Insawan, M. Mutmainnah","doi":"10.31332/LIFALAH.V3I1.1189","DOIUrl":"https://doi.org/10.31332/LIFALAH.V3I1.1189","url":null,"abstract":"This study aims to determine the perceptions of employees of the BNI Syariah BankBranch of Kendari regarding the concept of al-Ibrah, as well as to investigate theexistence of Al-Ibrah it has been implemented or not. Sharia Commercial Banks in Indonesia are growing promising in the future. Thirteen Sharia Commercial Banks have been recorded. But there is one action that is not yet familiar to do, which is doing Al-Ibrah or bleaching of receivables. BNI Syariah Branch employees still have a cross opinion about this concept. This action is actually legally guaranteed through the DSN-MUI Fatwa No. 47 / DSN-MUI / II /2005 concerning Settlement of Murabahah Receivables for Customers Who Are Not Able to Pay. Kendari Branch BNI Syariah as part of the Sharia Commercial Bank is not in a position to reject the existence of Al-Ibrah, but to avoid it from the outset the principle of caution has been applied in offering financing products through Musyarakah, Mudharabah, Murabahah, Istishna, or borrowing through Qardh","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45444655","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2018-06-30DOI: 10.31332/LIFALAH.V3I1.1188
M. Zaim
This study examined the role of student cooperatives in improving member welfare and its implications on the economic resilience of members, by taking the object of research in Student Cooperation UIN Sunan Kalijaga Yogyakarta. The purpose of this study was to analyze the role of Student Cooperative "Kopma of Sunan Kalijaga State Islamic University" in improving the welfare of Student Cooperative Members "Kopma of Sunan Kalijaga State Islamic University" and it was implications for the Economic Resilience Member. To measure the indicators of economic resilience of members of student cooperatives in Student Cooperation UIN Sunan Kalijaga Yogyakarta used some indicators that are, 1) the income of entrepreneur members of the cooperative, 2) the fulfillment of basic needs. Some things which is done by student cooperatives in order to realize the economic resilience of members, 1) increasing the welfare of members of student cooperatives and 2) fulfillment of life needs through the business developed. However, there were still obstacles caused by members.This was due to loyalty and double roles by members in following cooperative activities.
{"title":"Peran Koperasi Mahasiswa dalam Meningkatkan Kesejahteraan Anggota dan Implikasinya Terhadap Ketahanan Ekonomi Anggota (Studi Pada Kopma UIN Sunan Kalijaga Yogyakarta)","authors":"M. Zaim","doi":"10.31332/LIFALAH.V3I1.1188","DOIUrl":"https://doi.org/10.31332/LIFALAH.V3I1.1188","url":null,"abstract":"This study examined the role of student cooperatives in improving member welfare and its implications on the economic resilience of members, by taking the object of research in Student Cooperation UIN Sunan Kalijaga Yogyakarta. The purpose of this study was to analyze the role of Student Cooperative \"Kopma of Sunan Kalijaga State Islamic University\" in improving the welfare of Student Cooperative Members \"Kopma of Sunan Kalijaga State Islamic University\" and it was implications for the Economic Resilience Member. To measure the indicators of economic resilience of members of student cooperatives in Student Cooperation UIN Sunan Kalijaga Yogyakarta used some indicators that are, 1) the income of entrepreneur members of the cooperative, 2) the fulfillment of basic needs. Some things which is done by student cooperatives in order to realize the economic resilience of members, 1) increasing the welfare of members of student cooperatives and 2) fulfillment of life needs through the business developed. However, there were still obstacles caused by members.This was due to loyalty and double roles by members in following cooperative activities.","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"49152342","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2018-06-30DOI: 10.31332/lifalah.v3i1.1187
Ummi Kalsum
This article presents the critical study about distribution of income and wealth in Islamic economics perspective and 1945 constitution. The method of this study used descriptiveanalytical with library research approach. The result of this study showed that distribution of income and wealth is urgent in create the Human Falah. The main principles in distribution are justice and affection (brotherhood), meanwhile only there are two system of distribution, those are commercial with market mechanism and sistem which emphasize dimensions of justice for the weak people. In specifically doctrine of nationalism economy and doctrine of populist economy are present in article 33, 34, and 27, 1945 constitution of Indonesia. These articles are be the stronghold of nationalism economy and the stronghold for the prioritization of life neccesities whole of Indonesian people.
{"title":"Distribusi Pendapatan dan Kekayaan dalam Ekonomi Islam","authors":"Ummi Kalsum","doi":"10.31332/lifalah.v3i1.1187","DOIUrl":"https://doi.org/10.31332/lifalah.v3i1.1187","url":null,"abstract":"This article presents the critical study about distribution of income and wealth in Islamic economics perspective and 1945 constitution. The method of this study used descriptiveanalytical with library research approach. The result of this study showed that distribution of income and wealth is urgent in create the Human Falah. The main principles in distribution are justice and affection (brotherhood), meanwhile only there are two system of distribution, those are commercial with market mechanism and sistem which emphasize dimensions of justice for the weak people. In specifically doctrine of nationalism economy and doctrine of populist economy are present in article 33, 34, and 27, 1945 constitution of Indonesia. These articles are be the stronghold of nationalism economy and the stronghold for the prioritization of life neccesities whole of Indonesian people.","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"42206766","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2017-12-29DOI: 10.31332/LIFALAH.V2I2.652
Muhamad Turmudi
Understanding of micro, small and medium enterprises is based on indicators (1) the amount ofwealth such as cash, supplies, land, machinery for production (2) the amount of investment that isconsidered as working capital (3) total sales in a year (4) total number of employees.Micro Business Financing BRI Syariah is a business financing product intended for middle classpeople who have micro, small and medium enterprises to meet the needs/capital increase. in an effortto increase Micro, Small and Medium Enterprises in Kendari City, BRI Syariah has three financingproducts for Micro, Small and Medium Enterprises; (1) Micro 25iB; is a product without collateralfinancing, the ceiling of Rp. 5juta to Rp. 25juta (2) Micro 75iB; is a financing product with collateral,the ceiling of Rp. 10juta to Rp. 75M (3) Micro 500iB; is a financing product with collateral, theceiling of Rp. > 75juta to Rp. 500million.
{"title":"Pembiayaan Mikro BRI Syariah: Upaya Pemberdayaan dan Peningkatan UMKM oleh BRI Syariah Cabang Kendari","authors":"Muhamad Turmudi","doi":"10.31332/LIFALAH.V2I2.652","DOIUrl":"https://doi.org/10.31332/LIFALAH.V2I2.652","url":null,"abstract":"Understanding of micro, small and medium enterprises is based on indicators (1) the amount ofwealth such as cash, supplies, land, machinery for production (2) the amount of investment that isconsidered as working capital (3) total sales in a year (4) total number of employees.Micro Business Financing BRI Syariah is a business financing product intended for middle classpeople who have micro, small and medium enterprises to meet the needs/capital increase. in an effortto increase Micro, Small and Medium Enterprises in Kendari City, BRI Syariah has three financingproducts for Micro, Small and Medium Enterprises; (1) Micro 25iB; is a product without collateralfinancing, the ceiling of Rp. 5juta to Rp. 25juta (2) Micro 75iB; is a financing product with collateral,the ceiling of Rp. 10juta to Rp. 75M (3) Micro 500iB; is a financing product with collateral, theceiling of Rp. > 75juta to Rp. 500million.","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2017-12-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"42943726","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2017-12-29DOI: 10.31332/LIFALAH.V2I2.658
Nihayatul Maskuroh
A conception of the idea of Islamic economic thought which is implemented through the Islamic bankingsystem using the profit-sharing system applied to the interest-free banking system is one of the onlyelements of the Islamic economic system. Thus, when talking about the Islamic economic system, it isdiscussed is a hepotesis of an Islamic economic system that was applied in the era of the glory ofIslam.The idea of Islamic economic thinkers with all their efforts and efforts can be implementedsynergistically if supported by a strategic circle between the strong desire of the government as the policymaker (political will) and the socialization of the Islamic economic system itself and the implementationof the Islamic economic system as well – better
{"title":"Gagasan Pemikiran Ekonomi Islam: Implementasi dan Usaha Pengembangannya","authors":"Nihayatul Maskuroh","doi":"10.31332/LIFALAH.V2I2.658","DOIUrl":"https://doi.org/10.31332/LIFALAH.V2I2.658","url":null,"abstract":"A conception of the idea of Islamic economic thought which is implemented through the Islamic bankingsystem using the profit-sharing system applied to the interest-free banking system is one of the onlyelements of the Islamic economic system. Thus, when talking about the Islamic economic system, it isdiscussed is a hepotesis of an Islamic economic system that was applied in the era of the glory ofIslam.The idea of Islamic economic thinkers with all their efforts and efforts can be implementedsynergistically if supported by a strategic circle between the strong desire of the government as the policymaker (political will) and the socialization of the Islamic economic system itself and the implementationof the Islamic economic system as well – better","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2017-12-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47178971","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2017-12-29DOI: 10.31332/LIFALAH.V2I2.653
Muniya Alteza
This study aimed to examine the variables as determinant of Profit Distribution Management of theSharia Commercial Bank in Indonesia in the 2013-2016 periods. The variables studied consisted ofthe proportion of third party funds, the effectiveness of third party funds, the capital adequacy ratioand the ratio of operational costs to operating income. Samples were collected using purposivesampling technique. Data analysis technique used is multiple linear regression. The results showedthat the proportion of third party funds, the effectiveness of third party funds which was proxied byFinancing to Deposit Ratio (FDR) and Capital Adequacy Ratio (CAR) individually had a positiveand significant effect on Profit Distribution Management. In addition it was found that the ratio ofoperational costs to operating income (BOPO) had no significant effect on Profit DistributionManagement. The value of Adjusted R2 was 0,254 which means that variation of Profit DistributionManagement which can be explained by variable used in research was 25,4% while the rest equal to74,6% explained by other variables not used in the model of this research.
{"title":"Analisis Determinan Profit Distribution Management Bank Umum Syariah Periode 2013-2016","authors":"Muniya Alteza","doi":"10.31332/LIFALAH.V2I2.653","DOIUrl":"https://doi.org/10.31332/LIFALAH.V2I2.653","url":null,"abstract":"This study aimed to examine the variables as determinant of Profit Distribution Management of theSharia Commercial Bank in Indonesia in the 2013-2016 periods. The variables studied consisted ofthe proportion of third party funds, the effectiveness of third party funds, the capital adequacy ratioand the ratio of operational costs to operating income. Samples were collected using purposivesampling technique. Data analysis technique used is multiple linear regression. The results showedthat the proportion of third party funds, the effectiveness of third party funds which was proxied byFinancing to Deposit Ratio (FDR) and Capital Adequacy Ratio (CAR) individually had a positiveand significant effect on Profit Distribution Management. In addition it was found that the ratio ofoperational costs to operating income (BOPO) had no significant effect on Profit DistributionManagement. The value of Adjusted R2 was 0,254 which means that variation of Profit DistributionManagement which can be explained by variable used in research was 25,4% while the rest equal to74,6% explained by other variables not used in the model of this research.","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2017-12-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"49492670","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2017-12-29DOI: 10.31332/LIFALAH.V2I2.656
A. Mardiana, Wining E Pakaya
The research looked at the role of Rural Financial Institutions in improving public welfare of Oleleh Village of Kabila Bone in Bone Bolango District. This institution is an extension of the local government of Bolango Bone, this is the program for the welfare of society with the help of venture capital, either as fishermen, farmers as well as a small merchant, the results of this study found that the role of the village financial institutions can contribute to improve the welfare of society . This can be measured by several indicators, those are the return of agricultural land controlled by the middlemen, the primary requirement before the establishment of “LKD?” sometimes difficult to be fulfilled, but after this institution was established and worked, it can increase the income and the living conditions of local society
{"title":"Peran Lembaga Keuangan Desa dalam Meningkatkan Kesejahteraan Masyarakat","authors":"A. Mardiana, Wining E Pakaya","doi":"10.31332/LIFALAH.V2I2.656","DOIUrl":"https://doi.org/10.31332/LIFALAH.V2I2.656","url":null,"abstract":"The research looked at the role of Rural Financial Institutions in improving public welfare of Oleleh Village of Kabila Bone in Bone Bolango District. This institution is an extension of the local government of Bolango Bone, this is the program for the welfare of society with the help of venture capital, either as fishermen, farmers as well as a small merchant, the results of this study found that the role of the village financial institutions can contribute to improve the welfare of society . This can be measured by several indicators, those are the return of agricultural land controlled by the middlemen, the primary requirement before the establishment of “LKD?” sometimes difficult to be fulfilled, but after this institution was established and worked, it can increase the income and the living conditions of local society","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2017-12-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45774864","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2017-12-29DOI: 10.31332/LIFALAH.V2I2.651
S. Suharto, M. Fasa
Islamic banking has a huge role in accelerating the growth of Micro, Small and Medium Entrerprises(MSME)s in Indonesia. The largest Muslim population in Indonesia is one factor for the developmentof MSMEs. This paper explains how the Problems and Challenges of MSMEs in Indonesia;Development of MSMEs in Indonesia; Relationship Between Islamic Bank and MSMEs in Indonesia;The Role of Islamic Bank for Development MSMEs; and The Challanges of Islamic Bank forAccelerating the Growth of MSMEs in Indonesia. The end of this paper, the authors offer solutions toIslamic banking challenges in accelerating the growth of MSMEs such as: First, to improvemudhorobah and musyarakah financing schemes to accelerate and develop MSMEs in Indonesia;Secondly, to reduce the dependence on the use of Murabahah contract products that are consumptiveand targeted middle and upper only, Third, improve the financing scheme Qordhul Hasan contract bycooperating against Islamic social institutions, such as BAZNAS, BAZDA, LAZ, BWI, and Mosque,etc by maximizing the utilization of zakat funds, infaq, alms, waqf which has been only consumptive.Fourth, the cooperation of linkage program to BPRS and BMT so that the funds channeled can bedirected to remote areas and on target. Fifth, coaching, mentoring, and mentoring to BPRS, BMT,MSMEs business practitioners, and Islamic social institutions in order to develop funds that are storedproductively. Sixth, allocate Hajj and umroh investment funds to MSMEs business practitioners.
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