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All Journal Jurnal Tabarru': Islamic Banking and Finance Indonesian Journal of Islamic Economics and Business SEMB-J: Sharia Economic and Management Business Journal
Adetio Setiawan, Romi
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Religion Agriculture, Biological Sciences & Forestry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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TRANFORMASI PROGRAM BENGKULU MAKMUR TERHADAP PENINGKATAN KONDISI USAHA MUSTAHIK : ANALISIS SEBELUM DAN SESUDAH Anugrah, Akbar; Adetio Setiawan, Romi; Cahyono, Andi
Jurnal Tabarru': Islamic Banking and Finance Vol. 6 No. 2 (2023): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2023.vol6(2).14301

Abstract

Tujuan penelitian ini adalah untuk mengetahui kondisi usaha para mustahik sebelum mendapat program Bengkulu Makmur dan dampaknya kepada usaha para mustahik setelah mereka menerima program tersebut. Penelitian ini dilatarbelakangi oleh banyaknya para pedagang kecil yang kesulitan mengembangkan usahanya dikarenakan kekurangan modal, untuk itu pemerintah Kota Bengkulu lewat program Bengkulu Makmur yaitu berupa bantuan modal usaha dan bantuan alat usaha (gerobak, etalase, steling) yang dijalankan oleh BAZNAS Kota Bengkulu diharapkan dapat memberi kontribusi terhadap perkembangan UMKM yang ada di Kota Bengkulu. Untuk menjawab permasalahan penelitian, studi ini menggunakan teori  evaluasi dampak Before and After comparison dari Ernest R. Alexander dan teori pertumbuhan usaha dari Pariyem menggunakan variabel produksi, penjualan dan pendapatan. Penelitian ini menggunakan metode penelitian kualitatif dengan teknik pengumpulan data berupa observasi, wawancara dan dokumentasi. Dalam rangka memastikan kualitas dan relevansi data yang dikumpulkan, teknik penentuan informan dilakukan secara purposive. Hasil penelitian menunjukkan bahwa program Bengkulu Makmur telah memberikan dampak yang positif bagi penerimanya, ditunjukkan dengan adanya peningkatan produksi dan penjualan pada usaha mereka perharinya. Selain itu, terjadi peningkatan pendapatan yang mengindikasikan adanya perbaikan dalam kondisi ekonomi para mustahik setelah menerima program ini.
EVALUASI STRATEGI PEMASARAN PRODUK CICIL EMAS DENGAN PENDEKATAN BUSINESS MODEL CANVAS DALAM IHSAN Meliana, Sherin; Adetio Setiawan, Romi; Elwardah, Khairiah
Jurnal Tabarru': Islamic Banking and Finance Vol. 7 No. 1 (2024): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2024.vol7(1).16799

Abstract

Penelitian ini bertujuan untuk mengetahui dan mengevaluasi strategi pemasaran produk cicil emas Bank Syariah Indonesia (BSI) Kantor Cabang Pembantu Bengkulu Panorama dengan pendekatan Business Model Canvas dalam Ihsan. Dengan metode deskriptif kualitatif. Hasil penelitian menunjukkan bahwa strategi pemasaran berfokus pada segmentasi nasabah memiliki saldo rata-rata di atas Rp.10.000.000,- dan nasabah pembiayaan haji. Pemasaran dilakukan melalui media sosial (whatsapp, instagram, facebook) dan whatsapp blast, serta menggunakan strategi sosialisasi, canvassing, dan personal selling. Business Model Canvas digunakan dalam evaluasi, mengungkapkan bahwa segmentasi pelanggan dapat membatasi aksesibilitas produk untuk masyarakat dengan saldo di bawah Rp.10.000.000,-. Proposisi nilai menyoroti kualitas emas, likuiditas tinggi, dan peningkatan nilai setiap tahun dengan transparansi pembiayaan melalui akad murabahah dan akad rahn. Namun, perlunya pengembangan sesuai perkembangan teknologi dan preferensi konsumen. Hubungan pelanggan melalui whatsapp blast dan pertemuan langsung dinilai efektif, tetapi perlu dipertahankan untuk meningkatkan loyalitas. Arus pendapatan bersih diperoleh dari margin setelah dikurangi pajak, zakat, dan biaya operasional. Sementara kemitraan dengan pihak seperti PT. Antam, PT. Pengadaian Galeri 24, BMT Kubuk 006 (Koperasi), Toko Emas Rekanan Hermaini, dan nasabah perlu diperkuat. Struktur biaya melibatkan biaya konsumsi, biaya cetak (spanduk, brosur), hadiah untuk nasabah, biaya administrasi, asuransi jaminan, dan materai yang ditanggung oleh nasabah.
IB Hijrah KPR Financing Mechanism with Murabahah Akad at Bank Muamalat Mutiara Umi, Olga; Adetio Setiawan, Romi; Syaifudin, Syaifudin
SEMB-J : Sharia Economic and Management Business Journal Vol. 5 No. 1 (2024): Februari
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v5i1.1201

Abstract

This research aims to comprehend the mechanism of financing for Islamic Home Ownership Credit (Kredit Pemilikan Rumah - KPR), particularly KPR IB Hijrah, and seeks solutions to address financing issues arising through the application of the murabahah contract at Bank Muamalat Bengkulu Kc S. Parman. The research method employed is field research with a qualitative descriptive approach. Data were gathered through observation, interviews, and documentation. The study concludes that the KPR IB Hijrah financing process involves stages such as application submission, fulfillment of requirements, scrutiny of document prerequisites, financing approval, and the execution of the murabahah contract. Customer responses to the financing mechanism indicate a clear understanding of requirements and administrative costs. To address emerging financing problems, the researcher recommends several solutions. Firstly, a direct approach to customers to provide a deeper understanding of the issues they face. Secondly, proactive and periodic debt collection efforts to prevent payment delinquencies. Additionally, issuing warning letters can serve as an initial step in resolving issues. In more complex cases, restructuring of financing is suggested as an alternative solution. Finally, if necessary, collateral execution can be implemented as a last resort in resolving problematic financing.
Strategi Supir Angkot Bertahan Dalam Menghadapi Persaingan Taksi Online Dalam Perspektif Ekonomi Islam Hendro Prabowho, Trimuji; Adetio Setiawan, Romi; Afrida Indra, Yetti
Indonesian Journal of Islamic Economics and Business Vol. 9 No. 1 (2024): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v9i1.2264

Abstract

The purpose of this research is to understand the application of Islamic economic principles by public transportation drivers in Bengkulu City, with the expectation that they can effectively compete with online taxis. Additionally, this study aims to comprehend how these drivers can meet their daily needs amid the increasing popularity of online taxis. The research employs a qualitative descriptive method, with data collected through questionnaires, interviews, and documentation. The gathered information is analyzed using selection, summarization, presentation, and conclusion-drawing techniques. The research findings indicate that some public transportation drivers do not adhere to Sharia economic principles due to a lack of understanding of their application in the Islamic context. One of the informants interviewed said that there were still drivers who set rates that were considered excessive, contradicting Islamic values that prohibit actions harmful to passengers. Furthermore, the study reveals the absence of a specific method currently utilized by public transportation drivers to attract passengers. The primary target demographic for these drivers appears to be mothers wanting to go to the market and schoolchildren, possibly due to their limited understanding of utilizing online taxis.
Faktor-Faktor yang Mempengaruhi Tingkat Bagi Hasil Deposito Mudharabah pada Bank Umum Syariah selama Pandemi COVID-Periode 2019-2021 Rosmelina, Helmi; Adetio Setiawan, Romi; Hariyadi, Rizky
Indonesian Journal of Islamic Economics and Business Vol. 9 No. 1 (2024): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v9i1.2271

Abstract

This study aims to analyze the factors influencing the profit-sharing level of mudharabah deposits in Islamic commercial banks both partially and simultaneously during the COVID-19 pandemic in Indonesia from 2019 to 2021. The dependent variable in this study is the profit-sharing rate of mudharabah deposits, while the independent variables include Financing to Deposits Ratio (FDR), Non-Performing Financing (NPF), and Inflation. The population comprises Islamic commercial banks operating in Indonesia that have published comprehensive financial reports during the vulnerable period from 2019 to 2021. Following the selection process, the target population consists of five banks, namely BCA Syariah Bank, Mega Syariah Bank, Panin Dubai Syariah Bank, Bukopin Syariah Bank, and Victoria Syariah Bank. The sampling method employed in this study is a nonprobability sampling technique using purposive sampling. The results indicate that both partially and simultaneously, the variables Financing to Deposits Ratio (FDR), Non-Performing Financing (NPF), and Inflation significantly affect the profit-sharing level of mudharabah deposits. The Coefficient of Determination (R2) reveals that in this study, all independent variables contribute to the dependent variable by 60.9%. The remaining 39.1% is influenced by other variables not included in this study, such as Capital Adequacy Ratio (CAR), interest rates, and other factors.
Co-Authors Afrida Indra, Yetti Anugrah, Akbar Cahyono, Andi Elwardah, Khairiah Hariyadi, Rizky Hendro Prabowho, Trimuji Meliana, Sherin Mutiara Umi, Olga Rosmelina, Helmi Syaifudin Syaifudin, Syaifudin