Faktor-faktor yang Memengaruhi Realisasi Pembiayaan Mikro Syariah dan Dampaknya terhadap Omzet Usaha Nasabah: Studi Kasus KJKS BMT UGT Sidogiri Cabang Koja Jakarta

Micro-business has a role of the national economy development. However, micro scale entrepreneurs face problems of limited capital. This studyto analyze the factors affecting the amount of the financing provided BMT and their impact on bussiness turnover. This research was conducted in March-April at KJKS BMT UGT Sidogiri branch Koja Jakarta. This research used a purposive sampling technique with a total of 30 respondents. OLS analysis results proved thatbusiness aset, frequency financing, installment period, and dummy businesshave significantlyeffect on the realization of financing. Meanwhile, the factors affecting the customer\u27s turnover are business aset, amount of financing, business profit after financing, time duration of educational, time duration of business, and dummy business

Analisis Pengaruh Variabel EPS dan Makroekonomi terhadap Return Saham Jakarta Islamic Index Sektor Pertanian

The agricultural sector of islamic stock has a downward trend of return and often gives negative return, thereby it reduces the interest of investors to buy similar stocks. This study aims to examine the effect of Earning Per Share (EPS), exchange rate, money supply, SBI interest rate and world gold prices toward stock return of PT Astra Agro Lestari Tbk (AALI) and stock return of PT PP London Sumatra Indonesia Tbk (LSIP) as representatives of agricultural stock. The method used is the Vector Error Correction Model (VECM) with monthly time series data from August 2011 to December 2014. In the long term, the results showed that the EPS significantly positive effect on the return of AALI and LSIP , exchange rates significantly positive effect on the return of LSIP, money supply significantly negative effect on the return of AALI and LSIP, SBI interest rate significantly negative effect on the return of LSIP and world gold prices significantly negative effect on the return of AALI. Money supply predominantly contribute toward the changes of the return of AALI and LSIP

Faktor-Faktor yang Memengaruhi Besaran Pembiayaan Perbankan Syariah di Indonesia

Development of Financing of Islamic banking in Indonesia has increased. However, the amount of financing is only 3-5% when compared to conventional bank loans. This study aims to analyze the factors affecting the amount of financing provided by Islamic banking in Indonesia. This study uses a Vector Error Correction Model (VECM) to see the long-term effect and response to shock that occur in the studied variables. The result shows that in the long run, the percentage of profit and loss sharing, third party funds, and FDR give a positive and significant effect on the financing, while NPF has negative and significant effect. ROA and BOPO have no significant effect on the financing. Shocks that occur in the financing, NPF, and ROA positively responded by financing and will be stable in the long term. While the shocks that occur in the percentage of profit and loss sharing, third party funds, FDR, and BOPO responded negatively by financing and will be stable in the long term

Faktor-Faktor yang Memengaruhi Non Performing Financing pada Bank Umum Syariah Indonesia Periode 2010-2014

The objective of this study is to determine the internal and external factors affected non-performing financing in Islamic Banks Indonesia, 2010-2014. The samples used were 11 Islamic Banks in Indonesia 2010-2014. This study used panel data with annual data obtained from the bank's 2010 to 2014 annual reports of banks. The results showed that the Capital Adequacy Ratio (CAR), Bank size, overhead cost and SBIS rate have a significant negative effect on Non Performing Financing, while the FDR, NIM, KAP and BI rate have a significant positive effect on Non-Performing Financing. Commercial Bank needs to monitor the level of Capital Adequacy Ratio (CAR), Bank size and improve the quality of operational management on overhead cost. In addition, Islamic Banks should be more sensitive to macroeconomic conditions, especially the level of BI rate and yield rate of SBIS so it can determine precisely the financing policy in order to control the level of NPF at a reasonable level

Studi Komparasi Kinerja Pengembangan Usaha Agribisnis Perdesaan Syariah Dan Konvensional Di Jawa Tengah

EnglishObjectives of this research are exploring the motives in selecting financial scheme for rural agribusiness development (PUAP), identifying factors affecting PUAP performance, assessing performance differences between conventional PUAP and sharia PUAP in Central Java during the period of 2008-2011. The study was conducted in Banjarnegara, Banyumas, Jepara, Kendal and Purbalingga Regencies during the period from July to December 2012 applying both qualitative and quantitative methods with a dummy-variable multiple regression. A number of 185 LKMA PUAP managers were interviewed with a purposive sampling method. The result shows that PUAP Sharia was chosen for a religious consideration (40.6%), while conventional PUAP LKMA was based on practical (35.3%) and economic reasons (30.2%). Free financing schemes (sharia) variable, LKMA age, number of members, manager's age and education level, capital, cost of credit, debt, and region were simultaneously and significantly affected the LKMA performance. Partially, effects of each independent variable on the performance are various. Based on liquidity (Quick Ratio) and profitability (Net Profit Margin) aspects, the sharia PUAP shows better performance than the conventional PUAP. The Sharia scheme only shows a negative correlation with the performance of the activity (Asset Turn Over). Solvabilities (Debt Equity Ratios) of both sharia and the conventional show no real effect.IndonesianRiset ini bertujuan untuk mengeksplorasi motif pemilihan skema pembiayaan Pengembangan Usaha Agribisnis Perdesaan (PUAP), mengetahui faktor apa saja yang memengaruhi kinerja PUAP, serta menguji apakah kinerja PUAP syariah berbeda dengan PUAP konvensional di Jawa Tengah tahun 2008-2011. Penelitian dilakukan di Kabupaten Banjarnegara, Banyumas, Jepara, Kendal, dan Purbalingga selama periode Juli-Desember 2012, menggunakan metode kualitatif dan kuantitatif dengan pendekatan multiple regression dummy variable. Sebanyak 185 manajer LKMA PUAP menjadi responden penelitian ini dengan pendekatan purposive sampling. Hasil riset menunjukkan PUAP syariah dipilih karena motif pertimbangan agama (40,6%), sementara LKMA PUAP konvensional dipilih alasan praktis (35,3%) dan ekonomi (30,2%). Variabel bebas skema pembiayaan (Sharia), usia LKMA, jumlah anggota, usia dan pendidikan manajer, modal, biaya, kredit, utang, dan kawasan secara simultan berpengaruh nyata terhadap kinerja LKMA. Secara parsial, pengaruh setiap variabel bebas terhadap kinerja bervariasi. Dari sisi likuiditas (Quick Ratio) dan profitabilitas (Net Profit Margin), kinerja PUAP syariah relatif lebih baik dari yang konvensional. Skema syariah hanya berkorelasi negatif dengan kinerja aktivitas (Asset Turn Over). Dan, terhadap kinerja solvabilitas (Debt Equity Ratio), syariah dan konvensional tidak berbeda nyata

Profit Sharing Dan Moral Hazard Dalam Penyaluran Dana Pihak Ketiga Bank Umum Syariah Di Indonesia

There are two purposes that want to be assessed in this paper. The first purpose is to indicate whether the moral hazard problems are occurred in the Indonesian Sharia Bank (The moral hazard in this paper is the Indirect Moral Hazard which is the negligence of bank in the financing process influencing the moral hazard problems of the debtor in the other side. The second purpose is to assess whether the financing policies in the Sharia Banking are influenced by profit sharing system. The data for assessing this paper are acquired from the monthly financial reports published by Sharia Banks such as BSM and BM] from January 2001 to December 2004. The research based on the Error Correction Model in the long term shows that the increasing of allocation ratio of Murabahah to Musyarakah and Mudharabah results the increasing of non performing financing ratio. It indicates that the moral hazard problems are occurred in BM]. The moral hazard indication demonstrates that bank is both less careful in financing and less incentive in monitoring process. It also demonstrates the weakness of the Sharia bank 's operational system in countering the debtor's moral hazard. The Granger Causality Test proves that profit sharing ratio (nisbah) between bank and debtor influences return ratio, however it does not ‘influence financing allocation). On the other hand, financing allocation ratio influences nisbah ratio, furthermore in BSM case, return ratio influences nisbah ratio. This description shows that nisbah ratio is not only an instrument for calculating revenue/return distribution but also an instrument for Sharia bank in synchronizing profit sharing level with the interest rate in conventional bank