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DAMPAK STIMULAN DANA PINJAMAN BERGULIR TERHADAP PERTUMBUHAN EKONOMI PADA PELAKU EKONOMI KREATIF (USAHA MIKRO KECIL DAN MENENGAH, UMKM)

Mansur, Muhammad, Junaidi, Junaidi, Machfudz, Masyhuri, Kamilah, Nahdhiyatul

IQTISHODUNA IQTISHODUNA (VOL.14, No. 2, 2018)
Publisher : Fakultas Ekonomi, UIN Maliki Malang

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Abstract

The purpose of this study was to provide assistance to creative finance economic actors (MSMEs) and intervention of snacks production management by paying attention to halalan-thoyibah with all the attributes. The research method is participatory action research (PAR). The results of the study showed that (i) stimulant funds given to the target group took place 3 times. The application of  the qordhu hasan model transaction formed appropriate technology named QH-9Kj, namely qordhu hasan on seven agreements :  the number of  group members, the number of  loans, the number of returns, the number of groups, the amount of return time (for example  per week),  the amount of savings based on profit obtained, the amount of withdrawal of savings, the number of  loans for the next round and the agreement  on the amount  of money  filling voluntarily without being determined and (ii) the intervention  of  halal  production and good by conducting counseling; the result is 89% satisfaction and carry out  with a halal and thoyib  production.

DILIVER & FULFILL CUSTOMER VALUE SERTA PENGARUHNYA TERHADAP DENGAN BUSINESS SUCCESS

Setijani, Erna, Sumartono, Sumartono, Kamaludin, Kamaludin

IQTISHODUNA IQTISHODUNA (VOL.14, No. 2, 2018)
Publisher : Fakultas Ekonomi, UIN Maliki Malang

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Abstract

Penelitian ini bertujuan menganalisis diliver & fulfill customer value serta pengaruhnya terhadap business success. Penelitian ini adalah penelitian eksploratif dengan pendekatan kuantitatif. Populasi penelitiannya adalah home industry opak gambir di Kabupaten Malang. Teknik pengambilan sampelnya menggunakan proportional random sampling dengan responden sebanyak 100 home industry. Teknik analisis data menggunakan structural equation model. Berdasarkan hasil analisis terungkap bahwa terdapat keterkaitan  antara diliver & fulfill customer value dengan business success. Maknanya, keberhasilan usaha home industry dapat dilakukan dengan mengoptimalkan tata kelola diliver & fulfill customer value.

ANALISIS PENGARUH WORD OF MOUTH TERHADAP KEPUTUSAN NASABAH UNTUK MENABUNG DENGAN BRAND EQUITY SEBAGAI VARIABEL MEDIASI

Fenanda, Zakiah Intan, Solekah, Nihayatu Aslamatis

IQTISHODUNA IQTISHODUNA (VOL.14, No. 2, 2018)
Publisher : Fakultas Ekonomi, UIN Maliki Malang

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Abstract

The development and dynamics of marketing of banking services products help to grow the variables that facilitate the influence of word of mouth against the decision to save. One of it is the brand equity that is a set of assets that is associated with a brand that adds or reduces the value of the company in the views of customers. The purposes of the research are to determine the influence of word of mouth against the decision to save through Brand Equity on the customer of Syariah BRI Bank of Malang. The research used a quantitative approach with survey method. The population of the research was all customers of Savings at Syariah BRI Bank of Malang. Sampling technique used accidental sampling with the number of respondents as much as 100 respondents.  The dependent variable in the research was Savings Decision (Y), and the independent variable was Word of Mouth (X), with Brand Equity (M) as the mediation variable. Data analysis technique used Path Analysis. The research results indicated that the dimensions of word of mouth are Talkers, Topics, Taking Part and Tracking that directly influence against brand equity, and one dimension of word of mouth of tools have no effect against brand equity. Brand Equity directly influences the decision to save, all dimensions of word of mouth directly influence the decision to save, and Brand Equity can mediate the indirect influence of word of mouth against the savings decision

PENGARUH MANAJEMEN RISIKO TERHADAP KINERJA KEUANGAN (STUDY PADA PERBANKAN SYARIAH YANG TERDAFTAR DI BEI)

Mardiana, Mardiana

IQTISHODUNA IQTISHODUNA (VOL.14, No. 2, 2018)
Publisher : Fakultas Ekonomi, UIN Maliki Malang

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Abstract

Abstract: The objectives of this research to analize the influence risk management is as proxy of Capital Adequacy Ratio (CAR), Operation Efficiency (BOPO), Non Performing Loan (NPL), to Financial Performance is as proxy of Return on Asset (ROA) Banking Firms wich listed on BEI in 2011 until  2016 periods. This research using time series data from Bank Indonesia??s published financial reports Banking Firms wich listed on BEI in 2002 until 2007 periods. After passed the purposive sampling phase, the number of valid sample is 5 Banking Firms wich listed on BEJ. The result of this research shows that CAR and NPL variables has a negative and unsignificant influence to ROA. BOPO variable also has a significant influence to ROA, the distinction between BOPO than another variables is the sign of variable coefficient, it has negative coefficient. It??s mean that the bank managements should be concern on the BOPO variable to improve profitability on their Financial Performance. Disintermediary functions of bank that occurs in the research periods is the reason for unsignificant CAR and NPL variable to ROA variable wich is as a proxy of Financial Performance Banking Firms.

IMPLEMENTASI ETIKA SYARIAH MARKETER PADA PT. BANK BRISYARIAH KANTOR CABANG PEMBANTU KEPANJEN

Fariz, Mohammad Jazmi, Rahayu, Yayuk Sri

IQTISHODUNA IQTISHODUNA (VOL.14, No. 2, 2018)
Publisher : Fakultas Ekonomi, UIN Maliki Malang

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Abstract

ABSTRACTShariah marketing is a strategic business discipline that directs the process of creating, offering and changing the value of an initiator to its stakeholders, which in its entirety conforms to the covenants and principles of muamalah (business) in Islam. This study aims to find out how the implementation of sharia ethics marketer at bank BRISyariah KCP Kepanjen.This research uses a qualitative descriptive approach where the goal is to describe systematically about the focus of research. The limitations in this study examine the principles of sharia ethics of marketer.  Subjects in this study there are five informants. Data were collected by direct observation, interview, and documentation. The data analysis used are data reduction, data presentation and conclusion drawing with triangulation method as a validity test.The result of this research shows that Bank BRISyariah KCP Kepanjen has implemented 9 sharia ethics of marketers consist of have a spiritual personality, behave kindly and sympathetically (shiddiq), be fair in business (al-adl), serving and humble (khidmah), keeping promises and not cheating, honest and trustworthy (al-amanah), do not like to suspect (suuzh-zhan), do not like to vilify (ghibah), and do not do bribes (riswah).

KETERKAITAN EFISIENSI OPERASIONAL DAN PEMBIAYAAN BERMASALAH DALAM MEMPENGARUHI PROFITABILITAS BANK UMUM SYARIAH

Kusumawati, Nugrahini, Setianingsih, Ani

IQTISHODUNA IQTISHODUNA (VOL.14, No. 2, 2018)
Publisher : Fakultas Ekonomi, UIN Maliki Malang

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Abstract

The aimed of this study is to examine the influence of operational efficiency and Non-Performing Financing of The Shariah Bank toward profitability.  This study uses secondary data obtained from the annual report contained in Bank Indonesia. The sample in this study used 8 sharia commercial banks registered in Bank Indonesia in 2012-2016. Samples were chosen using purposive sampling methods. The hypothesis was tested using multiple regression. The first hypothesis was used to examine the influence of operational efficiency to profitability. The second hypothesis was used to examine the influence of Non-Performance Financing to profitability. The third hypothesis was used to examine the influence of Operational Efficiency and Non Performance Financing to profitability. The result of the research shows that operational efficiency has an effect on profitability. But operational efficiency has not an effect on profitability. Simultaneously operational efficiency and Non-Performance Financing have an effect on profitability.

PERAN ORGANIZATIONAL CITIZENSHIP BEHAVIOR SEBAGAI PEMEDIASI PENGARUH KEPUASAN KERJA TERHADAP KINERJA PERAWAT

Ritonga, Eny

IQTISHODUNA IQTISHODUNA (Vol 14, No. 1, 2018)
Publisher : Fakultas Ekonomi, UIN Maliki Malang

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Abstract

Abstract: The increasingly tight competition especially in the field of service in hospital business where everyone is tying for maintain their existence within the scope of the organization. The focus of this research was to analyze the direct and indirect influence of job satisfaction on employee performance, and the role of OCB as the mediator of job satisfaction on the performance of RSI Aisyiyah Malang employees. The approach used in this research was quantitative approach.The sample collection technique used was simple random sampling. The sample in this study amounted to 61 employees of RSI Aisyiyah Malang nurses. Data collection was using questionnaires, while data analysis was done by using path analysis. The results showed that 1) there was a direct effect of job satisfaction on employee performance of RSI Aisyiyah Malang nurses. This meant that the performance of RSI Aisyiyah nurses was better if job satisfaction felt by the nurses was better too. 2) there was indirect effect of job satisfaction on employee performance of RSI Aisyiyah Malang. 3) OCB mediated the influence of job satisfaction on employee performance of RSI Aisyiyah Malang.   Keywords: Job Satisfaction, Employee Performance, and Organizational Citizenship Behavior

PERAN INSTITUSI MASJID SEBAGAI PUSAT PEMBERDAYAAN SOSIAL EKONOMI MASYARAKAT (Studi di Masjid Sabilillah Malang)

Faizaturrodhiah, Nur, Pudjihardjo, M., Manzilati, Asfi

IQTISHODUNA IQTISHODUNA (Vol 14, No. 1, 2018)
Publisher : Fakultas Ekonomi, UIN Maliki Malang

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Abstract

Abstract: This study aims to analyze the role of mosque institution as the center of socio-economic empowerment of the community. The study was conducted at Sabilillah Mosque which is a large national pilot mosque. The approach used is case study. The results of social empowerment research are, improving the quality of education, family assistance, business training, health services, network strengthening with mushollah. While economic empowerment among others economic empowerment through mosque cooperative, economic empowerment dhuafa through business capital and provision of production facilities, economic empowerment through provision of market pujasera. To generate other funding sources as a means to empower the community, Sabilillah Mosque organizes auditorium, cash receipts, and minimarket management cooperation.

ANALISIS SISTEM LEMBAGA KEUANGAN SYARIAH DAN LEMBAGA KEUANGAN KONVENSIONAL

Syauqoti, Roifatus, Ghozali, Mohammad

IQTISHODUNA IQTISHODUNA (Vol 14, No. 1, 2018)
Publisher : Fakultas Ekonomi, UIN Maliki Malang

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Abstract

For holding the banking system, Indonesia applied dual banking system based on institutional regulation Number 10, 1998. The existence of dual banking system was realized by monetary crisis on 1998, that caused bankrupt impact of conventional banking system for the high ratio of the debt interest. Dual banking system means that Indonesia applied both sharia and conventional banking system. For this matter we use qualitative method and analysis descriptive method, by describing and analyzing sharia financial foundation and conventional financial foundation system. both are same in money receiving technic, transfer mechanism, computer technology, and general terms to obtain the credit. Both sharia financial foundation and conventional financial foundation have more differences. The main different between them is in the profit gaining system obtain. Sharia bank applied profit sharing system which is oriented for blessed life here and the day after, in other case conventional bank applied interest system which is oriented for gaining profit as much as possible in this world. Moreover, sharia bank is watched by the sharia supervising council, in order to revive the pure sharia, not same as conventional bank.

MODEL BANTUAN KEWIRAUSAHAAN BERBASIS PENGEMBANGAN SDM SEBAGAI UPAYA MEWUJUDKAN KEMANDIRIAN EKONOMI MUSTAHIK

Sholikha, Marhatus

IQTISHODUNA IQTISHODUNA (Vol 14, No. 1, 2018)
Publisher : Fakultas Ekonomi, UIN Maliki Malang

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Abstract

Abstract: Human resources has important role to establish organization goals, in addition to accelerate realization of achievment goals, so it is needed a human resources development program as strategic step to fulfill needs of required abilities. This program is unlimited implementation by profit oriented organization, but included phylanthropy organization. This research use descriptive qualitative. The object of research is Rumah Zakat branch Malang, but it is focused on ??Mustahik?. The Data analysis technique use Analysis of data presentation method, data reduction, data display, conclusion and verification. The result show that the implementation of development program is one of many ways to form the independence of Mustahik in the global era which require competitive supremacy like teoritic abilities, conceptual, moral and technical skills. The organization provide competent presentator on his expertise and more specifically in enterpreunership and this is necessary to deliver motivation for founder member. After all the implementation of enterpreunership assistance based on human resources development being good assumed and optimum is measured by knowledge, hard skill, soft skill, sharia competence and mainly watched on independence (financial, spiritual and social) mustahik since following this program although the output who is generated still slightter than expected.