Journal of Sharia Economics

STRATEGI DALAM MENGURANGI PEMBIAYAAN BERMASALAH PADA BMT HARAPAN UMAT PATI

2024-05-17T12:01:17+00:00

Pembiayaan bermasalah menjadi pemicu utama perbankkan mengalami kemunduran dalam kinerja keuangan sehingga pembiayaan bermasalah harus dapat dikurangi agar perusahaan dapat berkembang secara normal. Penelitian ini bertujuan untuk mengetahui strategi penanganan pembiayaan macet pada BMT Harapan Ummat Pati akibat penurunan jumlah nominal simpanan anggota dari krisis ekonomi, usaha sepi dll. Penelitian ini dilakukan di BMT Harapan Ummat Pati tahun 2023 dengan metode kualitatif deskriptif melalui observasi, wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwa BMT Harapan Umat memiliki strategi yang baik dalam menangani pembiayaan bermasalah melalui penguatan internal pegawai yang terjun langsung mengatasi pembiayaan bermasalah, melakukan pembinaan kepada nasabah melalui telepon (call), mengunjungi nasabah kerumah, melakukan musyawarah kepada nasabah, dan restrukturisasi angsuran nasabah disetiap bulannya sesuai kemampuan nasabah, apabila nasabah yang dengan sengaja tidak mau membayar maka asetnya akan benar-benar dilelangkan atau dijual. Penelitian ini penting bagi lembaga keuangan agar terhindar dari pembiayaan yang bermasalah.

ROAD MAP AND DEVELOPMENT HALAL INDUSTRY SECTOR IN INDONESIA

2024-05-17T12:00:43+00:00

The purpose of this research is to find out the halal industry roadmap and the development of the halal industry sector in Indonesia. This research uses a literature review. The literature review uses data from trusted sources to be the research method of the technique used. The result of this study is that the halal industry in Indonesia began with research on food and beverage products found to contain pork extracts in 1988, so the government acted to form the MUI Food, Drug and Cosmetics Assessment Institute (LLPOM) officially in 1989 as the first halal inspection agency in Indonesia. The findings of this study suggest that stakeholders involved in the growth of the halal industry in Indonesia should support the halal industry roadmap. The halal industry business is developing in several sectors, including manufacturing, infrastructure, services, human resources, and halal certification standards. To overcome the demands of the growing halal industry in Indonesia, the government, business companies, and academics must collaborate and synergize to achieve the goal of making Indonesia a global halal center. The halal roadmap will help build and grow the halal ecosystem more methodically and comprehensively.

PENGARUH VARIABEL MAKROEKONOMI TERHADAP INDEKS SAHAM SYARIAH INDONESIA (ISSI) PADA TAHUN 2011-2022

2024-05-21T14:47:58+00:00

This research was motivated by the inconsistent relationship between the Indonesian Sharia Stock Index (ISSI) and macroeconomic variables that influence Indonesian sharia stock prices including the inflation rate, Bi Rate, rupiah exchange rate, world oil prices, gold prices, and economic growth. The research aims to analyze, determine and explain the impact of the Indonesian Sharia Stock Index on macroeconomic variables. This type of research uses quantitative data for the period 2011 to 2022 sourced from BPS, Investing.com, BI and OJK. Data analysis techniques involve multiple linear regression tests, classical assumption tests, and hypothesis tests. The indicator achievement results describe macroeconomic variables, namely Bi Rate has a significant negative impact, the rupiah exchange rate tends to be positive and significant, and economic growth has a significant positive impact, while inflation, world oil prices and gold prices have no impact and are not significant, meaning that the Indonesian ISSI sharia stock price experiences Volatility is not fully influenced by macroeconomics, especially Bi Rate, Rupiah exchange rate, and economic growth, which means these variables contribute to the movement of Indonesian Sharia stock prices (ISSI) so that research refers to policymakers, stakeholders and investors who can consider factors fundamentally. as well as analytics in decision making and portfolio management in the Indonesian sharia stock market.

PENGEMBANGAN EKONOMI BERBASIS SYARIAH DI ERA DIGITAL: ANTARA PELUANG, TANTANGAN, DAN KENDALA

2024-05-17T12:00:14+00:00

A Sharia-based economy faces problems that take work. Not only is there minimal public knowledge, which has resulted in the assumption of equality between Sharia economics and conventional economics but there has also been a decline in Sharia economics in Indonesia. Not to mention the era of digitalization, which has completely changed Sharia economic practices; based on this, this article examines the development of Sharia-based economy in the digital era. The study is limited to aspects of opportunities, challenges, and obstacles. This article aims to understand the context of Sharia economics and how development must be implemented. Using a qualitative approach with library research method, the authors find that Sharia economics is an economy based on Islam. It must adopt digitalization today. Regarding several Sharia economic opportunities in the digital era, namely the Indonesian community as the largest Muslim community and product promotion in digitalization, the challenges are human resources and cyber security. At the same time, the obstacles are minimal public awareness and technological limitations. These opportunities, challenges, and obstacles have implications for the development of the Sharia economy, which must rely on digital aspects with all their shortcomings.

ANALISIS MANAJEMEN PEMBIAYAAN PADA LEMBAGA KSPPS BMT AR-ROHMAH BANDONGAN MAGELANG

2024-05-17T11:59:45+00:00

Shariah Savings and Credit and Finance Cooperatives (KSPPS) are microfinance institutions that collect and distribute assets to people who need these funds. This research aims to find out the financial management and internal and external systems in KSPPS BMT Ar-Rohmah Bandongan Magelang; this research uses a descriptive qualitative approach with interview techniques, primary and secondary data collection, and documentation. Using SWOT analysis, we can find the weaknesses, strengths, threats, and opportunities in KSPPS Ar-rohmah institution. The results of this study show that the management system in KSPPS BMT Ar-rohmah institution uses a Sharia financing system and has Sharia principles, as well as having several opportunities and weaknesses and threats for institutions; KSPPS BMT Ar-rohmah mitigates risks by paying attention to character, capacity, capital, collateral and economic conditions in customers.

PENGARUH QUALITY PRODUCT, BRAND IMAGE, HALAL LABEL TERHADAP CUSTOMER SATISFACTION

2024-05-30T12:04:14+00:00

ABSTRAK

Tujuan penelitian ini adalah untuk mengetahui dan menganalisis Pengaruh Quality Product, Brand Image, Halal Label Terhadap Customer Satisfaction, metode penelitian ini adalah kuantitatif dengan menggunakan data primer teknik purposive random sampling dengan jumlah 100 responden melalui pernyataan kuesioner penelitian yang dikelola dengan IBM SPSS Statistics 22 pada pelanggan Kopi Kenangan Kota Salatiga melalui uji penelitian (karakteristik deskriptif responden, validitas, reliabilitas, normalitas, heteroskedastisitas, multikolinearitas, R², F, T, dan linearitas), hasil penelitian menunjukan bahwa Quality Product, Brand Image, Halal Label berpengaruh positif signifikan terhadap Customer Satisfaction pada Kopi Kenangan Kota Salatiga.

Kata kunci: Quality Product, Brand Image, Halal Label, Customer Satisfaction

ANALISIS PEMBIAYAAN BANK SYARIAH DAN INSTRUMEN MONETER SYARIAH TERHADAP STABILITAS MONETER DI INDONESIA

2024-05-30T12:06:30+00:00

This study aims to analyze the effect of Islamic monetary instruments and financing on monetary stability in Indonesia. This research uses Vector Error Correction Model (VECM), Granger Causality Test, Impulse Response Function (IRF), and Forecast Error Variance Decomposition (FEVD) by first conducting stationarity test, cointegration test, optimum lag test. The data used in this study are monthly secondary data from the variables of Money Supply (M2), Sharia Bank Indonesia Certificates (SBIS), Sharia Interbank Money Market (PUAS), State Sharia Securities (SBSN), Islamic Banking Financing and Ijarah Financing. Based on the period 2015-2021 with time series data. The results of the VECM Model research show that in the long run the variable instruments SBIS, PUAS, SBS, Islamic Banking Financing and Ijarah Financing have a significant but negative effect on the Money Supply (M2).