Strategi Bank Syariah dalam Meningkatkan Literasi Keuangan Syariah pada Masyarakat (Studi Kasus pada BPRS Madina Mandiri Sejahtera)

The research aims to find out the strategy which is conducted by BPRS Madina Mandiri Sejahtera for improving sharia financial literacy on the society, to analyse implementation of SEOJK Number 1/SEOJK.07/2014 regarding the education and improving financial literacy to the society, and to know the level of literacy on the society who had received the educational literacy program from BPRS Madina Mandiri Sejahtera. The research uses qualitative and quantitative method (mixed-method). Using of questionnaires distributed to 51 respondents. The results show that the strategy which is used BPRS Madina Mandiri Sejahtera for improving sharia financial literacy on the community is managed with through several programs such as educate and introduce product to the public using the social media, and to educate people who come to the office directly. The implementation of educational program which is conducted by BPRS Madina Mandiri Sejahtera enormously accord with the regulation SEOJK Number 1/SE.OJK.07/2014 with inclusive, systematic, measurable, accessibility, and collaboration principles. The leveling of Islamic financial literacy for the people who had obtained an educational program of literacy by BPRS Madani Mandiri Sejahtera has counted to 82.42 percent, it is the high category level.Keywords: Islamic financial literacy, BPRS, Society

Peran Perbankan Syariah terhadap Pertumbuhan Ekonomi Indonesia

The paper analyzes the role of Islamic banking for economic growth in Indonesia. The rapid development of Islamic banking in the country followed the economic growth was the research basis of the paper. The analysis in this paper uses Ordinary Least Square method to determine how much Islamic banking influenced the growth represented by Gross Domestic Product (GDP). The result of regression model testing found that the total assets of Islamic banking had no significant effect (negative) on GDP, while the Islamic banking financing process had significant process had significant effect (positive) on GDP. Variable total assets and total financing of Islamic banking are able to explain the effect 33.8% of GDP variable. This means that Islamic banking has a very small role related to economic growth in Indonesia. The research indicates that the solution for increasing for the influence of Islamic banking could include increasing market share and increasing the share of muḍârabah financing schemes, strengthening regulation, improving the quality and quantity of human resources, and adapting technological advances.

THE ROLE OF COOPERATIVES IN THE SMES EMPOWERMENT IN RURAL AREAS

Purpose: This study aims to analyze the role of Mitra Dhuafa Cooperative in Gemolong Sub-district of Sragen, Indonesia, in empowering rural microenterprise, and to analyze its success rate by measuring the correlation between micro financing and the level of capability, and poverty alleviation. Methodology: The method used in this study is quantitative analysis. The data collection was obtained through a survey by distributing questionnaires to 100 members of Mitra Dhuafa Cooperative. The data was analyzed using Somers'd Correlation Test, with Statistical Package for Social Science (SPSS) software. Main Findings: The result of data analysis shows a positive relation (0.320) between the level of capability of micro business actors and poverty alleviation. The Indicators of empowerment success were measured by Amartya Sen's capability indicators, namely, opportunities and access in the economic, social, health, education, openness, and security fields. The research concludes by stating that Mitra Dhuafa Cooperative has succeeded in reducing the level of poverty by increasing the capability, bargaining power and independence of micro business actors. Applications: This study can be useful for implementing poverty alleviation program and Islamic microfinance programs in rural areas. Novelty/Originality: The combined implementation of Grameen Bank model and Sen’s capability approach to analyze its success for poverty alleviation in rural areas

Strategi Penguatan BMT Berdasarkan Perilaku Pedagang Di Pasar Tradisional

Paper ini bertujuan untuk menemukan strategi penguatan BMT melalui segmentasi pasar. Populasi dalam penelitian ini adalah pedagang di pasar tradisional yang berada di wilayah karisidenan Surakarta. Menggunakan dasar teori marketingmix untuk jasa. Teknik pengambilan sampel menggunakan accidental sampling. Jumlah responden 60 pedagang. Teknik analisis data menggunakan analisis cluster. Data primer dikumpulkan melalui kuesioner dan diolah menggunakan SPSS 23. Hasil olah data menemukan 3 segmen/cluster, di mana masing-masing segmen memiliki faktor pertimbangan berbeda dalam memutuskan untuk mengajukan pembiayaan di BMT. Strategi utama yang harus dilakukan BMT adalah meningkatkan literasi keuangan syariah bagi pedagang di pasar tradisional dan membuat inovasi produk pembiayaan yang sesuai dengan kondisi pedagang yang unbankable

Analisis Kinerja Keuangan Bank Umum Syariah Melalui Pendekatan Islamicity Performance Index

This study aims to determine how the financial performance of Islamic commercial banks in Indonesia through the islamicity performance index approach for the period 2013-2017, by the principles of justice, halalness, and purification. This study using quantitative descriptive research. The number of banks sampled are five Islamic commercial banks in Indonesia that have been selected, through a purposive sampling technique first. These banks are BRI Syariah, BNI Syariah, Mandiri Syariah, BCA Syariah, and Victoria Syariah. The type of data used is secondary data taken from the financial statements of each islamic commercial bank that is sampled. Through the islamicity performance index approach, the results of this study indicate that the financial performance of islamic commercial bank is unsatisfactory, based on the average of the variables that have been processed in accordance with predicate valuation standards

Risk Management in the Zakat Distribution:Case Study on Productive Zakat Program in Dompet Dhuafa Yogyakarta

This research aims to analyze the implementation of risk management on productive zakat program in Dompet Dhuafa Yogyakarta. One of the productive zakat programs is Warung Beres (Clean, Tasty, and Healthy). Descriptive qualitative approach was employed as the research method. The data of this study are obtained from semi-structured interviews with staff/employees of Dompet Dhuafa in Yogyakarta branch, mustahiq (Zakat recipients) of Warung Beres program, experts/lecturers in charge of risk management of zakat institutions and secondary data obtained from scientific journals. The research shows that the implementation of risk management is run by a timeline principle such as the stages of application, monitoring and evaluation. In addition, Dompet Dhuafa also utilizes the principles of efficiency and effectiveness. With these principles, Dompet Dhuafa Yogyakarta can be categorized good and in line with the program implementation strategy in running its program of Warung Beres although it has not been fully implemented yet.

An Investigation of the Antecedents to Marketing Mix Strategy Implementation

Introduction to The Problem: Been established for 282 years (2019), Pondok Pesantren Sidogiri was one of the oldest Islamic educational institutions in Indonesia. With its approximately 11,000 students, the institution was potentially economic to develop. The development effort was started in 1961 by establishing Koperasi Pondok Pesantren which focused on how to fulfill its students’ needs. Kopontren Sidogiri was currently the main actor in a minimarket business competition in East Java. With its trading activities earning IDR 1 trillion per year, Kopontren Sidogiri could give a welfare impact to the community and Pondok Pesantren Sidogiri.Purpose/Objective Study: The research aims to examine Kopontren Sidogiri’s operational description and marketing-mix implementation in retail business in the 4.0 era.Design/Methodology/Approach: The research was conducted using a qualitative method. According to the theme of the discussion, this research was field research. The research was a descriptive case study performed at Koperasi Pondok Pesantren Sidogiri. Sampling was conducted using a purposive sampling technique. The research sample consisted of a steering committee, managers, staff, and experts. The secondary data were collected from several findings relevant to this study. Data validity was tested using a triangulation technique.Findings: Strategies implemented included marketing mix (4Ps) i.e. product, place, price, and promotion. The achievement gave an inclusive and modern image to Koperasi Pesantren. Meanwhile, place strengthening was by building Toko Basmalah in the areas where alumni of Pondok Pesantren Sidogiri lived, creating loyal market targets. Moreover, price strengthening was by using a retail price in a product sale, encouraging the sale, and making effective profits. The promotion was by branding Pondok Pesantren Sidogiri, creating customers’ trust, and spreading positive information about Minimarket Basmallah to people (word of mouth)

Pemberdayaan Industri Rumahan Ceriping Gethuk untuk Meningkatkan Kuantitas Produksi dan Kemasan Produk (Packaging)

One of the gethuk centers in Magelang is in Sedayu village, Muntilan sub-district. The gethuk and ceriping craftsmen who are partners are Mr. Rohmat and Ms. Hanik. The main problem faced by partners is in the production process, both in chip production and gethuk production. Production is still done manually and inefficiently. Another problem faced by partners is packaging of Gethuk chip products. This gethuk chip is still manually packed with 'dislomoti' and affixing the brand to the packaging just by attaching the brand's writing, in the form of black and white paper into the package. The purpose of this service is to solve the problem of efficiency of the production process by petrifying the procurement of cutting machines. The second objective is to solve the problem of still simple product packaging that is overcome by the procurement of press machines to glue plastic packaging. After that, assistance and training in the packaging of gethuk chips with press machines and trademark affixing with plastic screen printing were carried out. The results of the service have succeeded in providing gethuk, press machines, and plastic packaging cutting machines that have been screened with brands and PIRT numbers. The presence of these machines succeeded in increasing the production volume significantly from 10-15 kg perday to 25 kg perday

Inovasi Produk Pengrajin Gerabah di Dusun Jetis, Panjangrejo, Pundong Bantul Yogyakarta

Panjangrejo is one of the Tourism Villages located in the east of Bantul Regency. Geographically, the location of this Tourism Village is very strategic because this Pottery Tourism Village is on one of the Parangtritis beach tourist routes, which is very crowded by tourists. Due to a lack of attention and support from the village government, the pottery craft of the Panjamgrejo tourism village is not as popular as the Kasongan village. The main problems faced by craftsmen include the stiff competition between pottery artisans, the lack of demand from outside the region due to limitations in marketing digital products (digital marketing), and the fulfillment of safe and attractive packaging. The method used in this service is the method of training and substitution of science and technology. The solution of product packaging that is still simple is overcome by procuring durable and attractive packaging boxes to increase product sales power and minimize product breakage. Also, the promotion of products that have not been run optimally is overcome by digital marketing training both through social media Instagram to Facebook ads with better internet signal support due to the availability of modems to facilitate online product marketing

Peran Perbankan Syariah Terhadap Pertumbuhan Ekonomi Indonesia

Paper ini bertujuan untuk menganalisis peran perbankan syariah bagi pertumbuhan ekonomi. Pesatnya perkembangan perbankan syariah di indonesia yang harus diimbangin dengan kontribusi terhadap pertumbuhan ekonomi menjadi latar belakang penulisan peper ini. Analisis dalam paper ini menggunakan metode Ordinary Least Square (OLS) untuk mengetahui berapa besar pengaruh perbankan syariah bagi pertumbuahan ekonomi yang direpresentasikan dengan Product Domestic Bruto. Hasil uji model regresi menemukan bahwa total aset perbankan syariah tidak berpengaruh siginifikasi terhadap PBD, sedangkan total pembiyaan perbankan syariah berpengaruh siginifikasi (positif) terhadap PBD. Variabel total aset dan total pembiayaan bank syariah mampu menjelaskan pengaruhnya sebesar 33,8% terhadap variabel PBD. Hal ini berati bahwa perbankan syariah memiliki peran sangat kecil terhadap pertumbuhan ekonomi di indonesia. Solusi yang diberikan adalah perbankan syariah harus meningkatkan market share, meningkatkan porsi pembiyaan dengan skim mudarabah, memperkuat regulasi, meningkatkan kualitas dan kuantitas sumber daya insani serta mengadaptasi kemajuan teknologi