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Factors That Affect the Realization of MSME Financing at Sharia Bankaltimtara Samarinda 影响Sharia Bankaltimtara Samarinda中小微企业融资实现的因素
Altijary Pub Date : 2023-04-05 DOI: 10.21093/at.v8i1.5452
Bambang Iswanto, Rinna Ramadhan Ain Fitriah, M. Af, M. Munir
{"title":"Factors That Affect the Realization of MSME Financing at Sharia Bankaltimtara Samarinda","authors":"Bambang Iswanto, Rinna Ramadhan Ain Fitriah, M. Af, M. Munir","doi":"10.21093/at.v8i1.5452","DOIUrl":"https://doi.org/10.21093/at.v8i1.5452","url":null,"abstract":"This research was motivated by the importance of financing the MSME sector based on syariah principles to overcome the problem of limited MSME business capital and avoid the element of usury. The research aims to determine what factors had a significant effect on the realization of MSME financing at the Sharia Bankaltimtara, Samarinda. To analyze the factors that influenced the realization of MSME financing, the used method was multiple linear regression analysis. The independent variables were estimated, namely the age of the customer, the level of education of the customer, the length of the business of the customer, the net income per month, the type of business, the composition of venture capital, collateral value, and type of financing contract. Multiple linear regression analysis was tested with the SPSS 23.0 statistical tool. This research finds that there are two factors that have a significant influence on the realization of MSME financing at Sharia Bankaltimtara, Samarinda, namely the customer's net profit per month and the value of the financing collateral.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-04-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"43046404","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
GoFood Vs ShopeeFood: Manakah yang Menjadi Pilihan Generasi Z? GoFood与ShopeeFood:Z世代的选择在哪里?
Altijary Pub Date : 2023-03-20 DOI: 10.21093/at.v7i2.4801
Fita Nurotul Faizah, Zulfaturrohmaniyah Zulfaturrohmaniyah
{"title":"GoFood Vs ShopeeFood: Manakah yang Menjadi Pilihan Generasi Z?","authors":"Fita Nurotul Faizah, Zulfaturrohmaniyah Zulfaturrohmaniyah","doi":"10.21093/at.v7i2.4801","DOIUrl":"https://doi.org/10.21093/at.v7i2.4801","url":null,"abstract":"This study tries to ascertain Generation Z's preference for online food delivery between ShopeeFood and GoFood based on the notion of the marketing mix from an Islamic economics perspective. A comparative descriptive methodology was adopted. The research participants at the time were Generation Z from Semarang City. About the sample that was obtained through accidental sampling under non-probability sampling. While research data was gathered from observations, questionnaires, observations, interviews, and documentation. According to the findings, Generation Z prefers ShopeeFood over GoFood. From a sharia economic perspective, this can be seen in the 7P marketing mix, which includes: pragmatism & product aspects, which explain that even though there are more GoFood merchants, Generation Z prefers ShopeeFood because the necessary menu options are also available in the market, while the pertinence & promotion aspect, which explains ShopeeFood offers more promos even though it claims the promo is easier on GoFood, and the palliation & price aspect, where Shop The results are not significantly different for the factors of persistence and process, patience and environment, peer support and people, pedagogy and environment, and so on.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-03-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48021783","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
COVID-19 dan Pasar Modal Syariah: Pendekatan Regresi Korelasi Kanonikal 新冠肺炎和Syarias模态市场:典型相关回归方法
Altijary Pub Date : 2023-03-20 DOI: 10.21093/at.v8i1.5779
Ratna Octaviana
{"title":"COVID-19 dan Pasar Modal Syariah: Pendekatan Regresi Korelasi Kanonikal","authors":"Ratna Octaviana","doi":"10.21093/at.v8i1.5779","DOIUrl":"https://doi.org/10.21093/at.v8i1.5779","url":null,"abstract":"Economic activity in 2019–2020 were heavily impacted by the COVID-19 pandemic sickness. The effect of COVID-19 on investments made on Islamic financial markets, however, has not been studied in research. The primary focus of this study will be on the connection between the Covid-19 movement and the Islamic financial market industry. In the quantitative method, canonical correlation analysis was used. Samples were collected from March 3 through August. The movement of the Jakarta Islamic Index and the Covid-19 Movement variable are used to examine Sharia Mutual Funds and Sukuk. The results show that neither of the two dependent variables—the Jakarta Islamic Index nor Sukuk—is significantly impacted by the movement of Covid-19. But, there is one factor on which Islamic mutual funds have a positive and significant influence.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-03-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"49384486","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
Panic Buying as a Cause of Inflation According to al-Maqrizi's Perspective 根据al-Maqrizi的观点,恐慌性购买是通货膨胀的一个原因
Altijary Pub Date : 2023-03-13 DOI: 10.21093/at.v8i1.4416
Difi Dahliana
{"title":"Panic Buying as a Cause of Inflation According to al-Maqrizi's Perspective","authors":"Difi Dahliana","doi":"10.21093/at.v8i1.4416","DOIUrl":"https://doi.org/10.21093/at.v8i1.4416","url":null,"abstract":"This article was written based on the results of qualitative literature research which aims to determine the impact of panic buying in March 2020 on the inflation rate in Indonesia and to classify panic buying as the cause of inflation based on al-Maqrizi's perspective. The background of this research is because there are only a few studies on panic buying in Islamic economic discourse that can be found when browsing in Google Scholar page, even though panic buying at that period was a problem in various countries. The results of this study are: 1) the panic buying that occurred in Indonesia was not severe, so it does not have an impact on the inflation rate; 2) according to al-Maqrizi’s perspective, panic buying can be classified into human error inflation.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-03-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48826703","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Dampak Covid-19 terhadap Perekonomian Masyarakat Ditinjau dari Perspektif Ekonomi Syariah 新冠肺炎对社会经济影响的经济学修正
Altijary Pub Date : 2023-01-23 DOI: 10.21093/at.v8i1.5636
Yenni Batubara, Muhammad Yafiz, M. Batubara
{"title":"Dampak Covid-19 terhadap Perekonomian Masyarakat Ditinjau dari Perspektif Ekonomi Syariah","authors":"Yenni Batubara, Muhammad Yafiz, M. Batubara","doi":"10.21093/at.v8i1.5636","DOIUrl":"https://doi.org/10.21093/at.v8i1.5636","url":null,"abstract":"The purpose of this study was to find out how big the impact of the covid-19 virus was on the economy of the people in the city of Medan, how did the people of the city of Medan anticipate being able to carry out their lives and how did the Medan city government take action to deal with the covid-19 virus. Data collection and retrieval was carried out by means of field research through observation and interviews with direct companies and obtained from respondents through questionnaires, focus groups, panels and also data from the results of direct interviews with researchers with informants and direct observation of the object or company where the author conducted the research. Economic growth which resulted in an almost recession and greatly decreased made all economic activists feel threatened by the spread of the pandemic, because it resulted in limited activities and also unusual economic activity. Islamic economics guarantees private ownership but also prioritizes common interests. So that private property can be used to help many people and be of benefit to others. The downturn in the Indonesian people's economy has also resulted in a number of outlets, or companies causing bankruptcy, and even dismissals have occurred in various companies which have also resulted in unemployment everywhere.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-01-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46476612","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Maqasid Sharia-Based Financial Plan to Prevent Conspicuous Consumption Among Muslim Household 以伊斯兰教法为基础的防止穆斯林家庭明显消费的金融计划
Altijary Pub Date : 2023-01-05 DOI: 10.21093/at.v8i1.5040
Martini Dwi Pusparini
{"title":"Maqasid Sharia-Based Financial Plan to Prevent Conspicuous Consumption Among Muslim Household","authors":"Martini Dwi Pusparini","doi":"10.21093/at.v8i1.5040","DOIUrl":"https://doi.org/10.21093/at.v8i1.5040","url":null,"abstract":"The trend of the flexing phenomenon, especially on social media, is currently causing various reactions, one of which is the tendency to consume and use various luxury facilities. In consumer behavior, this phenomenon is referred to as Conspicuous Consumption. In today's modern world, it happens not only to upper-class consumers, but also to everyone in the community with various goals, including the goals of acquiring social status, prestige, or wealth. For lower-middle households, of course, this is a problem, so financial planning is needed. This study aims to explore the perspective of Maqasid Sharia in financial planning for Muslim families as a solution to the Conspicuous Consumption phenomenon. This research is a qualitative descriptive study with a library research approach. Data were obtained from official reports as well as other literature from journals, books and websites. The results of this study indicate that financial planning based on the Maqasid Sharia hierarchy, namely Dharurriyah, Hajiyyah and Tahsiniyyah can prevent the phenomenon of Conspicuous Consumption in Muslim households. In addition, Islamic consumption which prohibits Israf and aims to achieve Maslahah is a contradiction to Conspicuous Consumption. Good financial planning will ultimately bridge Muslim families to achieve prosperity in this world and the hereafter.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-01-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46121482","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Strategi Pengelolaan Dana Infak (Program Koin NU) Di Lembaga Amil Zakat, Infak Dan Sedekah Nahdlatul Ulama Kota Samarinda Zakat Amil Valley、Infak和Samarinda Sedan Ulama市的感染财务管理战略(联合国硬币计划)
Altijary Pub Date : 2022-12-01 DOI: 10.21093/at.v8i1.4793
M. Hasbi, Darmawati, Mohamad Mahrus
{"title":"Strategi Pengelolaan Dana Infak (Program Koin NU) Di Lembaga Amil Zakat, Infak Dan Sedekah Nahdlatul Ulama Kota Samarinda","authors":"M. Hasbi, Darmawati, Mohamad Mahrus","doi":"10.21093/at.v8i1.4793","DOIUrl":"https://doi.org/10.21093/at.v8i1.4793","url":null,"abstract":"The background of the problem in this study is departing from the lack of public knowledge about the potential of infak funds that we often offer in our daily lives. This is due to the obligation of a Muslim to commit tithe which has a complete guide in the Qur'an and Hadith. To overcome this. This research is to find out the LAZISNU Kota samarinda strategy in managing infak funds through the KOIN NU program and also the role of the institution in increasing the productive business of beneficiaries of infak funds. This research method is a type of field research with a descriptive qualitative approach. Data and data sources have 6 key informants and 2 main key informants. The research results obtained from this study are the first management strategies carried out by LAZISNU Kota Samarinda and MWCNU of Palaran Sub-District, Samarinda City, showing the effort to succeed the KOIU NU program, namely by collecting funds from NU congregations in Samarinda City coordinated by one person collectors in each of their assemblies and cooperation with food and food stalls to entrust KOIN NU cans, in management it cannot be said professionally because in reality only one of the management from LAZISNU Kota Samarinda and MWCNU in Palaran Sub-District who also collect, count and make monthly financial reports, while for the distribution of the four pillars of the central management program, namely the fields of education, health, economics and disaster preparedness and allans have been carried out according to ability.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-12-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47121110","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Sharia Rural Banks in East Java: How Its Hazard Rate? (The Analysis Using Multiple Period Logit) 东爪哇的伊斯兰农村银行:风险率如何?(多周期Logit分析)
Altijary Pub Date : 2022-06-30 DOI: 10.21093/at.v7i2.4297
Ulfi Kartika Oktaviana, Titis Miranti
{"title":"Sharia Rural Banks in East Java: How Its Hazard Rate? (The Analysis Using Multiple Period Logit)","authors":"Ulfi Kartika Oktaviana, Titis Miranti","doi":"10.21093/at.v7i2.4297","DOIUrl":"https://doi.org/10.21093/at.v7i2.4297","url":null,"abstract":"This study aimed to determine the susceptibility opportunities of each BPRS. The second objective is to find out the financial ratios that cause it. The financial sustainability measure is a measuring tool to calculate the chance of survival. Financial sustainability approximates the value of Financial Self-Sufficiency (FSS). The population used is BPRS in East Java. The analysis technique used survival analysis and multiple period logit models. The study results show that only 8 BPRS have a chance to sustain more than 30%. Research variables that invariably affect the sustainability of BPRS include NPF, ROA, Bank Size, PM, FR, GLP, WoR, and LDR. Financial sustainability is an excellent Early Warning System to determine financial institutions' financial health, so this research is a good contribution to them.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"67823796","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Social Capital and Participation in Moslem Organizations 社会资本与穆斯林组织的参与
Altijary Pub Date : 2022-06-30 DOI: 10.21093/at.v7i2.4293
Muhammad Irsyad Hawari, Alfiah Hasanah, Asep Muhammad Adam
{"title":"Social Capital and Participation in Moslem Organizations","authors":"Muhammad Irsyad Hawari, Alfiah Hasanah, Asep Muhammad Adam","doi":"10.21093/at.v7i2.4293","DOIUrl":"https://doi.org/10.21093/at.v7i2.4293","url":null,"abstract":"This study aims to address the impact of participation in Moslem organizations on social capital in a setting of a country with the biggest Moslem population in the world. A survey of members and non-members of Moslem organization Muhammadiyah in Bandar Lampung City was conducted. The quantitative approach is used to display the data on the degree to which Muhammadiyah Moslem organizations' involvement has impacted the social capital index. The data analysis technique used is propensity score matching (PSM) analysis. The findings demonstrated that members of Muhammadiyah and non-Muhammadiyah had different social capital indices. Additionally, a person's involvement in Muslim groups significantly affects social capital. It suggests that Moslem organizations are not only present to provide religious understanding for their members but also capable of providing added value for them, that is, the addition of social capital for each member. ","PeriodicalId":31300,"journal":{"name":"Altijary","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"41420104","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Membangun Kesadaran Santripreneur Berbasis Kearifan Lokal di Pondok Pesantren 在寄宿学校建立一种基于当地企业家审慎的意识
Altijary Pub Date : 2022-06-16 DOI: 10.21093/at.v7i2.4264
Z. Zamroni, Hasan Baharun, A. Febrianto, Muhammad Ali, Siti Rokaiyah
{"title":"Membangun Kesadaran Santripreneur Berbasis Kearifan Lokal di Pondok Pesantren","authors":"Z. Zamroni, Hasan Baharun, A. Febrianto, Muhammad Ali, Siti Rokaiyah","doi":"10.21093/at.v7i2.4264","DOIUrl":"https://doi.org/10.21093/at.v7i2.4264","url":null,"abstract":"The development of information technology has made a real contribution to social life, especially in entrepreneurship. To make the best use of technology, it is necessary to prepare an intelligent millennial generation to look for opportunities. The prepared age must be mature in understanding the basics of entrepreneurship. The potential for economic empowerment of pesantren is further developed to improve the community’s economy; this is done to reduce the current poverty rate. The urgency of the pesantren’s economic spirit is enough to revive the pesantren’s economy from various activities—one of the activities that can foster the entrepreneurial spirit of students. The Nurul Jadid Islamic Boarding School tries to produce students by educating its students so that they can be entrepreneurs. This study aims to analyze and understand the activities carried out by the Nurul Jadid Islamic Boarding School to raise awareness of santripreneurs based on local wisdom. This study uses a qualitative approach to the type of phenomenology, in which researchers try to find and understand the phenomena that exist and are developing at this time. The data collection technique was carried out using participant observation, interviews with several informants, and documentation. Data analysis is done by presenting, collecting, and drawing conclusions. The results showed that building students' awareness of the importance of entrepreneurship was carried out by the Nurul Jadid Islamic Boarding School Community through Skills Activities carried out by bringing in mentors, Opening of Bazaar Stands, and Pesantren Cooperatives.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-06-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48705771","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 1
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