Thuba Jazil
STEI Tazkia

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ISLAMIC FINANCING MECHANISM FOR SMALL MEDIUM ENTERPRISES IN AGRICULTURE SECTOR: A PROPOSED MODEL Jazil, Thuba
ISLAMINOMICS Vol 9, No 1 (2019): Januari
Publisher : STES Islamic Village

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Abstract

This paper aims to discuss the construction of proposed model on the Islamic financing mechanism of Islamic banking system for the agriculture and small medium enterprises sector. A qualitative approach used in this study employing the Participatory Rural Approach and Focus Group Discussion using Triangle Microfinance Concept. The result shows that the synergy of the various sectors ranging from the central government through the Institute of relevant Ministries e.i Ministry of Finance Ministry of Agriculture, Local Government, Non-Profit (Zakat) Organization (BAZNAS/LAZ), Universities, Non-Government Organisations, Supporting Institutions i.e. Islamic agriculture Insurance, Islamic Financing Deposit Insurance, and Rating Agency need to be synergized. Additionally, the distrust of Islamic banking industry is found to allocate a financing to farmers and SMEs actors. Farmers and SMEs actors should be prepared through the empowerment in terms of skills, moral and financial literacy. Establishment of Agriculture Purpose Vehicle is urgent to support the flow of Islamic Financing as to solve the problem of off-farm agriculture, collateral, and positive cooperative relationship.This paper contributes to the bridge the gap between the regulator, Islamic bank’s trust to farmers and SMEs development.
THE PERFOMANCE MEASURES OF SELECTED MALAYSIAN AND INDONESIAN Islamic Banks based on the Maqasid al-Shari’ah Approach Jazil, Thuba; -, Syahruddin
IJTIHAD Vol 7, No 2 (2013)
Publisher : Fakultas Syariah

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Kebanyakan pengukuran yang digunakan untuk mengukur kinerja bank syariah saat ini masih menerapkan tolak ukur konvensional. Makalah ini menggunakan pendekatan PMMS langkah-langkah kinerja yang dipilih tiga bank Islam Indonesia yaitu Bank Muamalat Indonesia (BMI), Bank Syariah Mandiri (BSM) dan Bank Mega Syariah (BMS) dan juga memilih tiga bank Islam Malaysia yaitu RHB bank Islam (RHBiB) , CIMB Bank Islam (CIMBiB) dan Bank Islam (BIS) selama periode 2007-2011.The bank dievaluasi dan peringkat pada tiga tingkatan berdasarkan mereka: 1) rasio kinerja, 2) indikator kinerja dan 3) indeks maqashid keseluruhan. Berdasarkan hasil indeks maqasid, itu jelas menunjukkan bahwa BMI menjadi nyata dari kinerja tertimbang tertinggi. Oleh karena itu, menurut indeks maqashid, kinerja tertinggi tidak lebih dari 35%. Selanjutnya, terendah adalah 17,18% terjadi di CIMBiB. Dengan demikian, berdasarkan hasil ini, bank-bank Islam didorong untuk meninjau kembali tujuan dan ukuran kinerja IB berdasarkan maqashid as- syariah framework.
STRENGTHENING THE ROLE OF ISLAMIC PAWNSHOP IN ISLAMIC FINANCING FOR MSMES: ANP APPROACH Edgina, Lydia; Jazil, Thuba; Nursyamsiah, Tita
Tazkia Islamic Finance and Business Review Vol 10, No 1 (2016)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

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Objectives: aims to strengthen the role of Islamic pawnshop in financing for Micro Small & Medium EnterprisesMethods: analytic network process (ANP) approachResults: the main problem of Islamic pawnshop in expansion was its internal. The most priority was on socialization through promotion and advertisement. The appropriate strategy to be executed was marketing strategy to expand Ar-Rum product (financing for MSMEs) through sales marketing.Conclusion: the considered action was massive socialization to the societies using effective and efficient marketing strategy.