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Determinan Enterpreneurial Motivation Mahasiswa Perbankan Syariah

Siswanto, Siswanto Siswanto

El Dinar Vol 4, No 1 (2016): El Dinar
Publisher : Jurusan Perbankan Syariah Universitas Islam Negeri Maulana Malik Ibrahim Malang

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Abstract

This study was conducted to explore factors motivating students to be enterpreneur. Factor analysis approach used to attain the objective. The analysis used four stages. Namely; choose a variable, variable extraction, rotation and indentified variables. Total sample of the researsh were 100 respondents. The results showed some biographical characteristics which included characteristics based on age, gender, enterpreneurial intentions, type of business, opinions and backrounds. Based on the results, there were six important factors which motivated students to be enterpreneur, namely; need for achievement, locus of control, external environment, self efficacy, material encouragement and independence.

Analisis Penetapan Harga Jual Pembiayaan Murabahah pada Lembaga Keuangan Syariah Bank dan Non Bank

Sikrillah, Lailatul Sikrillah

El Dinar Vol 4, No 2 (2016): El Dinar
Publisher : Jurusan Perbankan Syariah Universitas Islam Negeri Maulana Malik Ibrahim Malang

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Abstract

This study aims to determine the selling price of murabaha financing application and calculation of profit margins on BRISyariah, BPRS Bumi Rinjani and UJKS El-Dinar. The research method used is a qualitative research method with a decriptive approach. Where data is the primary data obtained in the form of interviews with the parties concerned and secondary data in the form of data processing can be acconted for from a reliable source to conduct library research, interviews and internet. The result of this study found that setting the selling price on BRISyariah Murabahah Financing, BPRS Bumi Rinjani and UJKS El-Dinar that use the same basic price plus a profit margin. As for determining the profit margin that the bank sets its own and equally consider five factors determining the margin is the profit margin on everage Islamic Bank (Direct Competitor’s Market Rate/ DCMR), the interest rate the everage conventional banks (indirect Competitor’s Market Rate/ ICMR), the result of third-party funds (Competitive Expected Return for Investor/ ECRI), Overhead Cost, profit targets taking into account inflation and interest rate markets. In a benefit margin calculations using a flat (fixed).

Hubungan antara ketaatan beragama dengan kinerja bisnis pengusaha di banjarmasin

Sadikin, Abdurrahman Sadikin, Yusuf, Satira Yusuf

El Dinar Vol 4, No 2 (2016): El Dinar
Publisher : Jurusan Perbankan Syariah Universitas Islam Negeri Maulana Malik Ibrahim Malang

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Abstract

Arikurtto, Suharsimi (1998) Prosedurr Penelitian, Suatu Pendekatan Praktek. Cetakan Kedua. Rineka Cipta, ]akarta.Ajianuddin dalam makalahnya Pengembangan Usaha Kecil dan Menengah sebagai Salah Satu Upaya Pemulihan Perekonomian Indonesia.Hisrich, R.D. & Peters, N.P.,1998, Entrepreneurship, Fourth Ed., Irwin/McGraw- Hill. A Division of The McGraw-Hill Co,Missouri.Hisrich, Robert D., 199l. "Entrepreneurship/Intrapreneurship", in: Staw, Barry M.,Psychological Dimensions of Organizational Behavior, International Ed., Maxwell MacMillan.Jacobs, H., & Kruger, S., 2001, Establishing An Intrapreneurial Orientation As Strategy: A Framework For Implementation, ActaCommercil, 1:l-11.Perren, Lew, 2002, Comparing Entrepreneurship and Leadership: A Textual Analysis, Council for Excellence in Managernent and Leadership London.Riduwan, 2002, Skala Pengukuran Variabel-Variabel Penelitian, Alfabeta, Bandung.Radius Prawira dalam buku "Pengembangan dan Perlindungan Usaha Kecil" (1980;25) Riyanti, Benedicta Prihatin Dwi, 2003, Kewirausahaan dari  Sudut P andang Psikolagl, Grasindo, Iakarta.Zimrnerer, Thomas W. & Scarborough, Norman M.,1998, Pangantar Kewirausahaan dan Manajemen Bisnis Kecil, edisi Bahasa Indonesia, Prenhalindo, Jakarta.

PENGARUH PEMBIAYAAN MURABAHAH DAN MUSYARAKAH MELALUI KREDIT BERMASALAH TERHADAP LIKUIDITAS BANK UMUM SYARIAH

Laksmi Puteri, Sayyida Islamiya, Solekah, Nihayatu Aslamatis

El Dinar Vol 6, No 1 (2018): El Dinar
Publisher : Jurusan Perbankan Syariah Universitas Islam Negeri Maulana Malik Ibrahim Malang

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Abstract

One of the causes of bankruptcy is not due to losess incurred but due to the inability to maintain cashflow availability. This study aims to determine the direct relationship of murabahah and musyarakah financing to Islamic bank liquidity through the NPF ratio. This study is descriptive quantitative study using path analysis and purposive sampling to determine the sample. The results of this study indicate that murabahah financing has no effect on NPF but effect the liquidity of Islamic bank. On the contrary, for musyarakah financing affecting NPF but not for liquidity of Islamic bank. It can be implied that due to differences in risk coverage of the two contract (murabahah financing dan musyarakah financing) where murabahah financing the level of risk that may arise will be more borne by the recipient of  the financing. This contrasts with the musyarakah financing agreement where the risk Non performing loan  can be minimized by sharing the risk in musyarakah financing.However, its relationship with bank liquidity, in fact murabahah financing provides a large contribution considering that islamic bank get certainty about the profit ratio of this financing agreement. As for musyarakah financing, Islamic bank liquidity actually decreases due to uncertainty in the profit sharing ratio it receives. From the result of the intervening test, NPF proxied by the ratio of NPF of Islamic banks did not mediate murabahah financing and musyarakah financing to Islamic bank liquidity.

Pengaruh Diversitas Dewan dan kinerja keuangan terhadap voluntary corporate disclosure

Aisyah, Esy Nur

El Dinar Vol 4, No 1 (2016): El Dinar
Publisher : Jurusan Perbankan Syariah Universitas Islam Negeri Maulana Malik Ibrahim Malang

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Abstract

More disclosure can reduce agency costs incurred by the company. The more management (agent) reveal information about the company can reduce the conflict to shareholders (principal). Therfore, a voluntary disclosure more to minimize the occurence of  information asymmetry. The more management companies disclose information about the incentives obtained become more, because basically shareholders (principal) would be willing to pay the cost of monitoring surveillance to prevent the hazard of the agent.The aim of this study is to analyze and discribe how diversity influences gender and educational background of the board as well as the financial performance of the corporate voluntary disclosure. Definition councils in this study combines the board of commissioners and board of directors, because indonesia is adopting a two-tier system. The companies sampled is a company registered in the Indonesia Stock Exchange (IDX).Adjusted R-squere value (0.55) shows that voluntary corporate disclosure nearly 55% depending on the independent variable is gender diversity of the board, board diversity educational backgrounds, profitability, size, liquidity and liverage of the company. Significance test showed that gender diversity and leverage are important determinants of corporate voluntary disclosure in Indonesia. On the other hand, the research also found that the variable gender diversity, provitability, size and liquidity is not strong explanatory variables to determine the extent of voluntary disclosure of company in Indonesia.

Penilaian Kinerja di Perusahaan Daerah Air Minum (PDAM) Kabupaten Pasuruan dari Perspektif Finansial dan Non Finansial

Manafe, Prilia Herdiyani

El Dinar Vol 4, No 2 (2016): El Dinar
Publisher : Jurusan Perbankan Syariah Universitas Islam Negeri Maulana Malik Ibrahim Malang

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Abstract

This research aims to know the performance of PDAM through financial and non financial perspektive. This research employs descriptive qualitative approuch. The data are collected by observation, interview, questionnaires and documentation. The data analysis is conducted by measuring each perspective, the financial and non-financial perspective, which consists of customers, internal business, learning and growth. The result of the research shows that, overall, the performance of PDAM in Pasuruan Regency is good. It is indicated by the high value acqusition from each perspective. Based on the financial perspective to measure the profitability ratio, the ratio indicating the highest increase is ROI, compared to other ratios namely ROE, operating expenses ratio, and NPM. The customer’s perspective which is measured using questionnaires shows the index value of the highest customer’s satisfaction criteria. In addition, as seen from customer’s acqusition and retention, the company is able to retain its customers, but there is an increase in customer complaint number.  Based on the company internal business perspective, the company has given good services for the customers. The learning and growth perspective show a good performance, overall

Analisis model pengelolaan zakat dan wakaf (Studi Yayasan Yatim Mandiri Cabang Malang)

Solekah, Nihayatu Aslamatis

El Dinar Vol 4, No 2 (2016): El Dinar
Publisher : Jurusan Perbankan Syariah Universitas Islam Negeri Maulana Malik Ibrahim Malang

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Abstract

Among the objectives of waqaf in islam is the distribution of welfare among the people and poverty  eradication. When well managed endowments will support  the development both in economic, religious, social, cultural, political, defense and scurity. The purpose of this study was to examine the management model of zakat and waqf productive. The result of this study are expected to provide benefits to provide a more substantial to the scientists, researchers, readers and the public that there is a model of productive management of waqf grant that can be used as an example in the management of zakat and waqf productive. The result showed that the foundation is independent orphans have an independent organizational system, in which the form of institutions such as the institute amil zakat generally resulting in organizational system there is no interfence from goverment regulations. Constraints/ problems experienced in Yayasan Yatim Mandiri Malang from the internal aspect is the lack qualified Human Resources an Human Resource Capibility less creative. Constraints/ problems faced in the Orphan Foundation of Malang independent external aspect is still modest community thought lack of support from family. To resolve the internal problems of orphans independent foundation that is to prepare a Qualified Human Resource (Internal). As for the external problem than it should maximize the marketing and provide understanding to families or orphans

ANALISIS DAMPAK PEMBIAYAAN BANK UMUM SYARIAH PADA PERKEMBANGAN USAHA MIKRO, KECIL DAN MENENGAH DI INDONESIA (MENGGUNAKAN ANALISIS VECTOR AUTO REGRESSION)

Imani, Safarinda Imani

El Dinar Vol 6, No 1 (2018): El Dinar
Publisher : Jurusan Perbankan Syariah Universitas Islam Negeri Maulana Malik Ibrahim Malang

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Abstract

This research was conducted to find out what happened in banking and in Indonesia. This study uses the budget of sharia banking financial statements and the development of annual umkm 2006-2017 in Indonesia. By using stata 13. With long-term results, the financing of Sharia Commercial Banks and the development of MSMEs in Indonesia affect each other can be viewed on tabular trace statistics> 5% critical value, that is financing of sharia banks 32,927> 15,41, while the development of MSMEs in Indonesia ie 5.0362> 3.76. Variable variables affect SMEs with F. Statistics> F. Table, where the variable cost 0.000> 1%, 5%, 10%, while the variable development of SMEs 0.001> 1%, 5%, 10%, other variables that affect the financing of SMEs.

Sistem kemitraan usaha tani perspektif syariah (studi pada PT. BISI Internasional Kediri)

Zakiy, Faris Salahuddin, Sari, Indra Mustika, Sintia, Kiki Debi

El Dinar Vol 4, No 1 (2016): El Dinar
Publisher : Jurusan Perbankan Syariah Universitas Islam Negeri Maulana Malik Ibrahim Malang

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Abstract

Sistem kemitraan juga telah diajarkan dalam nilai-nilai islam. Sehingga mengkaji secara mendalam tentang sistem kemitraan yang diterapkan oleh PT. Bisi Internasional Tbk. Dan dampaknya beserta ditinjau secara perspektif syariah sangat menarik dikaitkan dengan keadaan pertanian dewasa ini yang masih banyak permasalahan.Jenis penelitian ini adalah penelitian kualitatif dengan pendekatan deskriptif dan tracer study. Data dan jenis data yang digunakan adalah data primer dan skunder. Pengumpulan data penelitian ini menggunakan metode observasi, wawancara,  tracer study dan dokumentasi.Hasil penelitian ini, bahwa sistem kemitraan yang diterapkan oleh PT. Bisi Internasional Tbk. Terdiri menjadi tiga bagian yaitu, sistem kemitraan murni, sistem kemitraan green house dan sistem kemitraan bagi hasil. Dan dampak yang didapatkan oleh para petani yaitu peningkatan pendapatan, kemudahan dalam mendapatkan modal, fokus dalam proses produksi, tempat distribusi yang terjamin dan bonus kualitas hasil panen. Sistem kemitraan yang diterapkan oleh perusahaan setelah dianalisis sesuai perspektif syariah, bahwa ada beberapa hal yang telah sesuai denganprinsip-prinsip syariah. Sistem kemitraan murni dna green house serupa dengan akad muzaraahnamun belum sepenuhnya sesuai. Sedangkan sistem kemitraan bagi hasil sudah sesuai dengan akad mukhabarah

Pengaruh Kualitas Pelayanan Perbankan Syariah Terhadap Kepuasaan Nasabah

Mukaffi, Zaim Mukaffi, Pratomo, Ahmad Sidi, Choiruddin, Muhammad Nanang

El Dinar Vol 4, No 2 (2016): El Dinar
Publisher : Jurusan Perbankan Syariah Universitas Islam Negeri Maulana Malik Ibrahim Malang

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Abstract

The research aims to; analyze whether the variable partial effect of service quality on customer satisfaction on Islamic Banking in Malang, determine and analyze whether the variable service quality simultaneously influence on customer satisfaction on Islamic Banking in Malang, knowing which variables among the service variable most dominant influence on on customer satisfaction on Islamic Banking in Malang. Analysis of the data in this study using multiple linear regression test subsequently used the F test, T and dominant to see the effect of each.The research result indicate that the value of F-test (3.722)> F table (2.437) this indicates that variable tangibles, reliability, responsiveness, assurance, and empathy simultaneously (together) effect on customer satisfaction. While the partial test for tangibles variable (X1) where t test (1232)> t table (2,571) this indicates that tangibles no effect on customer sataisfaction. For reliability (X2), t test (3428)> t table (2571), that effect the reliability of customer satisfaction. For variable responsiveness (X3), t test (-.390)> t table (2,571) responsiveness no effect on customer satisfaction. To guarantee (X4), t test (0.549)> t table (2,571), variable warranty does not effect the customer satisfaction. For variable empathy (X5) regression coefficient of -0103, the t test (-0667)> t table (2,571) and a variable empathy has no effect on customer satisfaction. While the dominant variable in yhe quality of services that effect customer satisfaction in the city of Malang Islamic Banking is variable Assurance (X$) with a contribution of 51%.