Sri Herianingrum, Sri
Fakultas Ekonomi dan Bisnis, Universitas Airlangga

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EFEKTIVITAS PEMBIAYAAN MUDHARABAH DALAM MENINGKATKAN KINERJA UMKM (STUDI KASUS PADA BMT NURUL JANNAH GRESIK) Musdiana, Rohmah Niah; Herianingrum, Sri
Jurnal Ekonomi dan Bisnis Islam (Journal of Economics and Business Islamic) Vol 1, No 1 (2015): Januari - Juni 2015
Publisher : Universitas Airlangga

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Abstract

Financing is one of the products of Islamic banking, but because of the many requirements that must be complited by SME who need it then their capital needs are not fulfilled. One of the financial institutions that have the same product is Baitul Maal wat Tamwil (BMT).BMT present to fulfill the capital needs of the SMEs who have the problem of capital. By this existing phenomena, this study intends to look at the effectiveness of the financing in order to improve the performance of this SMEs. This research aims to determine whether the financing is provided by BMT Nurul Jannah Gresik effective in improving the performance of SMEs that become their customers and see what business improvement has been achieved such as increased turnover, business assets, revenues, and stability efforts. The results of this research to get the findings that the financing is provided by BMT Nurul Jannah Gresik very effective in improving the performance of SMEs who have become clients in addition to the financing is given BMT Nurul Jannah assist SMEs in meeting the other without prejudice to individual principles of trust and trust that they receive.Keyword :?Effectiveness, mudharaba, Baitul Maal wat Tamwil, SMEs
Dual Monetary System and Macroeconomic Performance in Indonesia Herianingrum, Sri; Syapriatama, Imronjana
Al-Iqtishad: Journal of Islamic Economics Vol 8, No 1: January 2016
Publisher : Faculty of Shariah and Law

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Abstract

This research aims to evaluate the impact of dual monetary policyshock on macroeconomic indicators of Indonesia: growth and inflation. Inaddition, this study will also examine whether conventional monetary policy hasa particular impact upon Islamic banking sector. This research apply VAR (vectorauto regressive) method on monthly data from Bank Of Indonesia during theperiod of January 2010 to December 2013. The result of IRF explain that theinterest rate channel find the hard way to accomplished the macroeconomic goalswhile the Islamic monetary instrument indicates the potential growth of outputand hold the inflation low. The result of VDC describes that the Islamic instrumentstill affected by conventional monetary policy because of slow development inIslamic monetary systemDOI: 10.15408/aiq.v8i1.2509
Efektivitas Pembiayaan Mudharabah Dalam Meningkatkan Kinerja UMKM (Studi Kasus pada BMT NURUL JANNAH GRESIK) Musdiana, Rohmah Niah; Herianingrum, Sri
Jurnal Ekonomi dan Bisnis Islam Vol 1, No 1 (2015): Januari - Juni 2015
Publisher : Departemen Ekonomi Syariah Fakultas Ekonomi dan Bisnis Universitas Airlangga

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Abstract

Financing is one of the products of Islamic banking, but because of the many requirements that must be complited by SME who need it then their capital needs are not fulfilled. One of the financial institutions that have the same product is Baitul Maal wat Tamwil (BMT).BMT present to fulfill the capital needs of the SMEs who have the problem of capital. By this existing phenomena, this study intends to look at the effectiveness of the financing in order to improve the performance of this SMEs. This research aims to determine whether the financing is provided by BMT Nurul Jannah Gresik effective in improving the performance of SMEs that become their customers and see what business improvement has been achieved such as increased turnover, business assets, revenues, and stability efforts. The results of this research to get the findings that the financing is provided by BMT Nurul Jannah Gresik very effective in improving the performance of SMEs who have become clients in addition to the financing is given BMT Nurul Jannah assist SMEs in meeting the other without prejudice to individual principles of trust and trust that they receive.Keyword : Effectiveness, mudharaba, Baitul Maal wat Tamwil, SMEs
THE EMPOWERMENT MODEL OF CASH WAQF TO IMPROVE EDUCATION QUALITY IN ZAKAT INSTITUTIONS Herianingrum, Sri; Widiastuti, Tika
IJIBE (International Journal of Islamic Business Ethics) Vol 1, No 1 (2016): March 2016
Publisher : UNISSULA

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Abstract

Islam has many solutions in addressing the issue of limitations in education. That is cash waqf. Cash waqf, is expected to narrow the gap between rich and poor society by means of transfering of wealth (the profits from managing cash waqf) from rich to poor. The purpose of this study is to analyze the cash waqf empowerment model in an effort to improve the quality of education. The method is done by in depth-interview with the boards (Leader and Manager program) of Yatim Mandiri, administrators of YKN (Independence Nusantara Foundation), and the staffs of Insan Cendekia Mandiri Boarding School. Limitation of this paper is to investigate the three institutions of zakat mentioned earlier. The results showed that waqfin the form of movable or immovable objects can be utilized and provide benefits to the society. The role of waqf, especially in improving the quality of education, is still limited to the purchase of land. The land is used for institution building of Insan Cendekia Mandiri Boarding School. There is a model of cashwaqf empowerment in the institution of zakat (Yatim Mandiri) that can be replicated in other institutions of zakat. The structure of this paper are: Section 1 describe the development of cash waqfin Indonesia; Section 2 is literature review about cash waqf; Section 3 explain the research model used in this paper; Section 4 is discussion; and the last Section 5 is the authors conclusion and authors recommendation to improve the empowerment of cash waqf.
Implementasi Nilai-nilai Amanah pada Karyawan Hotel Darussalam Pondok Pesantren Gontor di Ponorogo Herianingrum, Sri; Hapsari, Meri Indri; Syahruddin, Syahruddin
Al Tijarah Vol 1, No 1 (2015): June 2015
Publisher : Universitas Darussalam Gontor

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Abstract

This research aims to know the assessment of the implementation of the amanah in employees Darussalam Hotel at Pondok Pesantren Gontor Ponorogo. This research focuses on the discussion of the amanah. Amanah could mean everything to fulfi ll deposited and entrusted to a person. This study used a qualitative approach to exploratory case study strategy. File was collected through interviews to employees Darussalam Hotel at Pondok Pesantren Gontor Ponorogo. The results of this study show that the majority of informants has been carrying out the nature of the amanah to implement their duties as employee of Darussalam Hotel at Pondok Pesantren Gontor Ponorogo, it can be seen by the attitude of the employees who are able to demonstrate a sense of responsibility, just promise with high work commitment and transparency in carrying out its duties. The nature of the mandate carried out in the service process in carrying out each task by the employee for the service that the mandate would have a positive impact for the hotel as one of the Pondok Gontor’s Business.
ANALISIS MEKANISME TRANSMISI MONETER JALUR PEMBIAYAAN BAGI HASIL DI INDONESIA Herianingrum, Sri; Fathy, Ummi Muthi`ah
Jurnal Ekonomi dan Bisnis Islam (Journal of Economics and Business Islamic) Vol 2, No 2 (2016): JULI-DESEMBER 2016
Publisher : Universitas Airlangga

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Abstract

This research is aimed to determine the importance of profit loss sharing financing in the monetary transmission process in the Indonesian economy. The study analyzes the effective of profit loss sharing financing in channelling the monetary policy effecs to the real economy.?This research used the quantitative research method and used granger causality test, impulse response functions and variance decomposition analysis, focusing on the period from January 2010 to Aprl 2015.?The results showed that there granger causality in the monetary transmission process there is causality in one direction from the variable FASBIS to FLPS, FASBIS to DPK.There is a two-way causality between variables CPI to / from FLPS, deposits to / from FLPS, SBIS to / from FASBIS.Funding for the results (FLPS) responds variable shock SBIS, FASBIS, deposits and CPI based on test results IRF.In general FLPS response to all variables fluctuate at the beginning of the period (period-1 to period 8), and starts balanced in the period from the 9th or the 25th month.Funding for the results contribute to the ultimate objective of monetary policy is inflation (CPI), but the contribution of financing for the results is relatively small, because although ranked second, but the contribution is only 2.57%.?
PERANAN BAITUL MAAL WA TAMWIL MENINGKATKAN USAHA MIKRO MELALUI PEMBIAYAAN MUDHARABAH Prasetya, Renata Agung; Herianingrum, Sri
JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Vol 2, No 2 (2016): Jurnal Syarikah
Publisher : Program Studi Ekonomi Islam FEI UNIDA Bogor

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Abstract

Perusahaan mikro adalah salah satu pilar ekonomi terbesar bagi Indonesia, masalah modal menjadi ancaman terbesar bagi setiap pengusaha mikro yang ingin mengembangkan bisnis mereka lebih lanjut. Baitul Maal wa Tamwil dapat menjadi solusi alternatif bagi pengusaha mikro yang membutuhkan beberapa bantuan modal yang bebas dari riba, agunan, dan mudah. Penelitian ini adalah penelitian kualitatif dengan studi kasus sebagai intinya. Deskriptif naratif digunakan untuk menjelaskan peran Baitul Maal wat Tamwil dalam peningkatan usaha mikro yang berbasis pada pengembangan di aset bisnis, pendapatan bisnis, laba usaha, dan stabilitas bisnis melalui sistem keuangan mudharabah. Representasi dan waktu adalah dua indikator yang digunakan untuk memilih 10 responden kunci, dari orang-orang yang telah menggunakan produk Mudharabah Mikro di BMT Asy-Syifa, Sidoarjo. Hasil penelitian menemukan bahwa BMT memiliki peran penting untuk meningkatkan usaha mikro dari pelanggan.Keyword: Perusahaan Mikro. Mudharabah, Baitul Maal Wa Tamwil, Peningkatan Bisnis
ZAKAT: CONCEPT AND IMPLICATIONS TO SOCIAL AND ECONOMIC (ECONOMIC TAFSĪR OF AL-TAWBAH:103) Alfaizin, Abdul Wahid; Insani, Taqiyah Dinda; Herianingrum, Sri
Journal of Islamic Monetary Economics and Finance Vol 4 No 1 (2018): AUGUST
Publisher : Bank Indonesia

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Abstract

One of the most used methods by Ulamā’ to find the laws and wisdoms from Quran is a tafsīr method. This paper try to find and analyze the concept from sūrah al-Tawbah: 103 - ayah with the more general content related to the concept and function of zakat – by using the tafsīr method and how the implication of zakat for the social and economic equality is. The method used in this paper is a qualitative method by using content analysis that combines tafsīr bi al-ra’yi with tafsīr bi al-ma’thūr. By using economic interpretation, the result shows that zakat should be an obligatory system and its management must be done centrally by the government. In this case Baznas can be a representation of the government to perform the task. The study also found that there are two implications of the zakat mentioned in sūrah al-Tawbah: 103. First, التطهير (purification) through which zakat is able to provide social implications of tranquility, security, and harmony. Secondly, التزكية (holy, blooming, blessing and praise) through which zakat has economic implications both in micro aspects (increase in quantity in the economic curve) and macro (increased investment and depletion of poverty and unemployment).
POLA IMPLEMENTASI ALOKASI ZISWAF DALAM PENYEDIAAN AKSES PENDIDIKAN BAGI KAUM DHUAFA UMMAH, KHURUL AIMMATUL; RIYADI, AHMAD; HERIANINGRUM, SRI
JEBI (Jurnal Ekonomi dan Bisnis Islam) Vol 3, No 2 (2018): Juli - Desember 2018
Publisher : Universitas Islam Negeri Imam Bonjol Padang

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Abstract

The education sector is an escalator to the nation's future moral, progressive, prosperous, dignified and prosperous. But the reality in Indonesia at this time not all walks of life can benefit from a good education. There are very many people who can not enjoy a proper education due to economic factors, or inability to access it. Islam has used philanthropy in removing economic and social disparities within a community in which ZISWAF (Zakat, Infaq, Sedekah and Wakaf). When this has been a lot of institutions that focus on social fund through the instrument ZISWAF, but the distribution of these funds are still focused towards sectors of the economy, even to meet the needs of the consumer. Indeed the education sector is also one of the strategic sectors which should be considered as a form of manifestation in pencampaian future for poor people better.Through research that uses qualitative approach aims to be able to determine the pattern of distribution of funds ZISWAF implementation by collectors in the provision of access to education for the poor, so as to explain and provide information to the public in the disbursement of funds ZISWAF to providing access to education for the poor quality. By using kompratif study researchers compared patterns of implementation ZISWAF implemented by the two institutions that became the object of research is Smart Ekselensia, and Junior High School champion, then the results of the analysis will be processed using the method of Spradley. Based on the results of analysis show that the implementation of the distribution ZISWAF in procuring access to education for these three agencies do have differences, but it overlooks impact both in providing quality education for the poor.
Cash waqf as a solution of food need problem in Indonesia Hanesti, Elsi Mersilia; Kurnia, Riana Aflika Eka; Herianingrum, Sri
MEC-J (Management and Economics Journal) Vol 2, No 3 (2018)
Publisher : Faculty of Economics, State Islamic University of Maulana Malik Ibrahim Malang

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Abstract

Price rise and scarcity of food become the main root of the economic problems in Indonesia Both goverment and whole society in each level intervene to resolve this problem. Then, how effective is the solution to overcome the problems of agriculture and animal husbandry in Indonesia? With the method of writing and literature study conducted in-depth analysis with ilustration model, the authors found that the application of cash waqf in the development of agriculture and animal husbandry in certain regions in Indonesia can help to solve the problem of the fulfillment of food needs of Indonesian society. With this concept, every region in Indonesia can increase their agriculture and animal husbandry potential output (quality and quantity). Subsequent impact and the expected development of the real sector are that every region in Indonesia can distribute their agriculture and animal husbandry potential output to meet the food needs of Indonesian society as a whole, minimize the need for food shortage, build society welfare, and increase GDP, followed by rising national income.