Analisis Posisi Pembiayaan Per Sektor Ekonomi pada Perbankan Syariah di Indonesia

The purpose of this study is to find a combination of financing portfolio that produces the smallest financing risk based on investor preference and based on the amount of financing in the economic sector at Sharia Commercial Bank. The research method is analytical descriptive research using secondary data obtained from a publication of Bank Indonesia (Statistik Perbankan Syariah) covering monthly data of financing position of 10 (ten) economic sector during January 2011-March 2014 for BUS / UUS category. Analyzer used by Markowitz Method. The results obtained from the research show BUS / UUS in Indonesia there is a combination of different economic sectors in the distribution of financing with the smallest financing risk. Optimal portfolio of financing distribution based on BUS risk preference to economic sector can be obtained if BUS distributes to Economic Sector of Business Services, then Transportation, Warehousing and Communication sector, then Construct. The smallest optimal risk portfolio of financing disbursements based on economic sector in Indonesia focuses on the business sector of the business economy, then the social services sector, then the mining sector.Keywords: Sharia Bank Financing, Economic Sector Financing, Optimal Portfolio, Shariah Bank Preferences Minimum Funding Risk, Markowitz Metho

THE ROLE OF ISLAMIC BANKING IN AGRICULTURE FINANCING (CASE STUDY OF INDONESIAN AGRICULTURE SECTOR)

Purpose: This paper aims to analyze the role of Islamic banking in improving the agricultural sector as well as providing alternative solutions such as financing scheme for agricultural financing. Methodology: The research method is qualitative. A review of the extant literature was carried out for collecting primary and secondary data. In-depth interviews with key informants such the farmer and Islamic bank financing manager were also conducted. Data analysis was performed by adopting data reduction, data display with SWOT matrix, verification, and conclusion. Main findings: This paper finds that Islamic banking allocates financing for agricultural sector which is less than 10 percent of total financing. The finding is in line with the problem faced by the farmer. Based on the interview, it is known that the main problem of agriculture industry is limited access to the source of capital. The second finding pertains to the lack of Islamic banking’s role in agricultural financing caused by high risk perception and minimum competence of human resources to maintain the agricultural financing. Applications: This paper suggests the implementation of Ba'I As Salam scheme as an alternative for agricultural financing. Salam Financing Scheme is more suitable for agricultural financing than the murabaha financing that are commonly used today. Because the salam financing scheme intends to finance the sale and purchase of new commodities that are to be processed or produced and the delivery of their goods in the future, as well as allow for irregular payment schemes made in the harvest. Some of these advantages can be agricultural financing solution that is more in line with the characteristics of agricultural sector cash flow. Novelty/Originality of this study: Previous Studies related to the agricultural sector only deals with the impact of agricultural finance without offering low cost financing models as the solution to the main problem in the agricultural sector. This study provides solutions to these problems

Portrait of MSMEs‘ Islamic Financial Literacy and The Impact on Business Development

MSMEs are part of the supporting aspects of the country's economy. However, the competitiveness of MSMEs in Indonesia towards the global economy still tends to be low when compared to other ASEAN countries. This is caused by low levels of education and expertise, difficulties in obtaining licensing for MSMEs, lack of access to capital, and lack of infrastructure support. One aspect that should not be missed from the field of education and expertise is the level of public financial literacy. The purpose of this study is not only to analyze and classify the level of financial literacy of MSMEs but also to examine the impact of literacy levels on the development of MSMEs. This research approach is descriptive quantitative with a sample size of 1392, obtained by using cluster random sampling technique in Special Region of Yogyakarta (DIY). The results of the study show that the financial literacy of MSMEs in DIY is Less Literate. The effect on the business developing had a positive and significant influence amounted to 36.1%. With this finding, it is expected to be an input for regulators in the framework of planning and implementing policies related to Islamic financial literacy

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

Pemanfaatan Umbi Gembili Sebagai Alternatif Kemandirian Pangan dan Ekonomi Warga Desa Bangunjiwo, Kecamatan Kasihan, Bantul

Gembili (Dioscorea esculenta) is a type of tuber that thrives in tropical climates. The high carbohydrate content makes people in some parts of Indonesia use it as a staple food substitute for rice. However, because there are not many processed variations produced by this plant, it makes the public's interest in cultivating this plant low. This is because there are no new innovations known to the public in the use of this plant. For this reason, the BEM FAI UMY community empowerment team saw a great opportunity from this Gembili plant to be managed to produce processed food products that could have high economic value. One of the advantages of this plant is the content of the elements disocorin and inulin which makes gembili flour has the advantage of being low in sugar. The purpose of this program is to increase food self-sufficiency and the local economy by utilizing Gembili plants which are commonly found in Bangunjiwo village, Kasihan Bantul. In addition, this program provides an alternative business for the community to increase independence in gembili management and to form a joint business group (KUB) in Padukuhan Kenalan. The method used is to provide training and assistance in making gembili noodles both in the manufacturing, production and marketing processes. The results of this service itself are: (1) increasing public knowledge about gembili management so that it is managed more usefully (2) Realizing a Joint Business Group (KUB) that can improve the welfare of the Padukuhan Kenalan community

Liquidity Potential Analysis of Sharia Banks Using Stock-Based and Flow-Based Methods

Abstract. Bank liquidity is adequate if the bank has sufficient funds when depositors withdraw them. The bank’s inability to meet its depositors’ rights will negatively affect public confidence and bank profitability. This study is to identify the potential liquidity risk of Islamic Commercial Banks in Indonesia using the Stock-Based and Flow-Based Methods based on OJK regulation. The assessment of the potential for liquidity risk using the stock-based method and the weight of the inherent risk value results in the statement risk level for each Islamic commercial Bank, ranging from 2.25 (low) to 2.85 (moderate). The flow-based method results in a negative liquidity gap. This research finds that bank liquidity has no significant impact on its profitability. The research provides direction for Islamic commercial banks in measuring liquidity risk so that the bank can formulate strategies for risk mitigation and control to avoid financial distress. Keywords: Flow-Based, Liquidity, Profitability, Risk Management, Stock-Based Abstrak. Likuiditas bank dikatakan baik apabila bank mampu memenuhi dana yang dibutuhkan saat deposan melakukan penarikan. Namun, jika bank tidak mampu memenuhi dana yang dibutuhkan oleh para deposan, maka tingkat kepercayaan masyarakat bisa berkurang dan memengaruhi profitabilitas bank. Penelitian ini mengidentifikasi potensi resiko likuiditas Bank Umum Syariah di Indonesia dengan Metode Stock-  Based dan Flow-Based, berdasarkan peraturan OJK. Penilaian potensi terjadinya risiko likuiditas dengan menggunakan metode stock-based dan bobot nilai risiko inheren memperoleh hasil tingkat risiko pada masing-masing bank umum syariah yang berkisar antara 2,55 (moderate) sampai dengan 3,15 (moderate). Metode flow-based, secara keseluruhan, menghasilkan gap likuiditas negatif. Dalam penelitian ini, tidak terdapat pengaruh likuiditas bank terhadap profitabilitas. Penelitian ini bermanfaat untuk memberikan arahan kepada Bank  Umum Syariah dalam mengukur Risiko Likuiditas sehingga Bank mampu merumuskan strategi untuk mitigasi dan pengendalian risiko untuk menghindari kondisi Financial Distress.Kata kunci: Flow-Based, Likuiditas, Manajemen Risiko, Profitabilitas, Stock-Base