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All Journal Jurnal Ilmiah Ekonomi Islam BASKARA: Journal of Business and Entrepreneurship Jurnal Iqtisaduna
Tri Mulato
Universitas Islam Negeri Alauddin Makassar
Religion Economics, Econometrics & Finance Social Sciences Other

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Strategi Bisnis Bank Syariah di Masa Pandemi Covid-19 Pada PT. Bank Panin Dubai Syariah Cabang Makassar Tri Mulato; Asyraf Mustamin; Supriadi Supriadi; St Hafsah Umar; Surya Ningsih
Jurnal Ilmiah Ekonomi Islam Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (245.947 KB) | DOI: 10.29040/jiei.v7i3.2908

Abstract

The purpose of this study was to determine the development of PT Bank Panin Dubai Syariah during the covid-19 pandemic. And to find out the business strategy implemented by PT Bank Panin Dubai Syariah Makassar Branch during the covid-19 pandemic. The research method used in this research is qualitative by describing the development and business strategy of Panin Dubai Syariah Bank Makassar Branch. This type of research is a field study, primary data collection. Sources of data were obtained directly with interview data collection techniques and documentation from various sources. The data analysis technique used is descriptive qualitative, which describes the development of PT Bank Panin Dubai Syariah during the pandemic. As well as the Business Strategy carried out by PT Bank Panin Dubai Syariah Makassar branch. The results of the research on the growth of PT Bank Panin Dubai Syariah in the period May 2020 to May 2021 experienced an increase in assets of 7.6 percent, and for murabahah financing, it decreased by -44 percent. Current accounts grew by 11 percent, savings grew by 27 percent, and time deposits decreased by -7.9 percent. The business strategy implemented by PT Bank Panin Dubai Syariah during the Covid-19 pandemic was to improve office services by implementing health protocols, increasing digital-based services, increasing ATM, Mobile Banking, and Cash Management System facilities to fulfill customer transactions. For financing recovery for financing affected by COVID-19 so that they can recover, as well as continuing to carry out product offerings and penetration to attract new financing.
Pengembangan Program Studi Perbankan Syariah Berbasis Integrasi Peran Bank Syariah Bagi Sektor Riil UMKM Tri Mulato; Sudirman Sudirman; Kamaruddin Kamaruddin; Iryani Iryani
Jurnal Ilmiah Ekonomi Islam Vol 7, No 2 (2021): JIEI : Vol. 7, No. 2, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (249.578 KB) | DOI: 10.29040/jiei.v7i2.2474

Abstract

Sharia banking are interested in getting involved channeling financing to the real sector of SMEs, including Bank BNI Syariah Makassar and Bank Panin Dubai Syariah Makassar. The purpose of this study is to determine the development of SMEs financing provided by sharia banking. Then to find out the role of sharia banking for the distribution financing for SMEs in the city of Makassar. As well as to find out the form of integration of the development of the department of sharia banking UIN Alauddin Makassar, through the distribution of financing for SMEs in sharia banking institution. This type of research is a field research, by taking data directly. The nature of the research is qualitative. The data source uses primary data and secondary data related to the research theme. The data analysis technique used in this research is qualitative descriptive, which describes the objects in the study. The results of this study indicate the development of the distribution of financing in sharia banking reaching 15.93 percent. Then Bank BNI Syariah and Bank Panin Dubai Syariah Makassar channeled financing to SMEs sector, reaching 20 percent. The form of integration in the development of departement sharia banking is by presenting courses on object management of financing sharia banking and courses on SMEs business.
THE STRENGTHENING ROLE OF ISLAMIC FINANCIAL INSTITUTIONS FOR THE REAL SECTOR OF SMEs Tri Mulato; Nursyamsu Nursyamsu
Jurnal Iqtisaduna Prosiding International Conference on Islamic Economics and Business 2019
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v1i1.11822

Abstract

The concept of Islamic economics that prioritizes for optimization of the real sector and makes the financial sector as driving factor of economic activity. Islamic financial institutions continue to provide services for working capital, especially for SMEs, reaching 5 percent. The SMEs also continue to grow to 10 percent, becoming an opportunity for Islamic financial institutions to be able to accompany the movement of SMEs. This article is descriptive qualitative. Described the development of shariah banking financing product  for SMEs and the important role of Islamic financial institutions for SMEs. The results of the study show that the distribution of Islamic bank financing for SMEs in the period of December 2016 to September 2017 reached 61,299,000,000 or grew by 5.504 percent. The biggest financing for SMEs on BUS is equal to 44,872,000, the largest growth in UUS is 21,339 percent. The concept of Islamic economics has similarities with the economic concept of SMEs, both of which are resistant to the storm of crisis, then the concept of Islamic economics puts forward the distribution of income, through Islamic financial institutions income distribution can be realized. Islamic financial institutions will continue to contribute to economic development especially for the SMEs real sector.
Sukuk Linked Wakaf For MSME Develpoment R. Melda Maesarach; Tri Mulato; Ahmad Rodoni
BASKARA : Journal of Business and Entrepreneurship Vol 5, No 1 (2022): Baskara: Journal of Business and Entrepreneurship
Publisher : Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54268/baskara.5.1.95-107

Abstract

The existing Sharia investment products are incorrect; the other is a state sukuk product. Aside from receiving returns on state sukuk, investors can also contribute to the country's development. Because the development of sukuk products is channeled to the actual sector, particularly for MSME (Micro, Small Maedium Enterprise) actors, Islamic financial institutions must play a role in carrying out the process of developing and aiding MSMEs. If many state sukuk products were previously allocated for infrastructure development, there needs to be an allocation for economic recovery through MSMEs under the current situations. The goal of this research is to assess the growth of state sukuk and the form of sukuk product development through state CWLS for the development of MSMEs. This is a qualitative study that examines the state sukuk market and the MSME sector. Secondary data was used, including information from the Ministry of Finance's Directorate General of Financing and Risk Management (DJPPR). The data analysis technique employed is descriptive qualitative, which depicts the evolution of state sukuk from 2019 to 2020, as well as forms of innovation for state sukuk goods designed specifically for MSMEs recovering from the covid-19 outbreak. PBS Auction Sukuk, PBS Private Placement Sukuk, SNI, SPN-S, Rite Sukuk (SR), and Savings Sukuk (ST) grew by 40.80% from 2019 to 2020, according to the findings of this study. Sukuk auctions at PBS increased by 39.59 percent, PBS Private Placement Sukuk increased by 214.39 percent, SR increased by 72.93 percent, and SNI Sukuk increased by 26.86 percent. In the meantime, SNI Sukuk fell by -30.01 percent, and ST fell by -35.76 percent. Providing business capital through Nazhir with a profit-sharing scheme, business assistance schemes, and maximizing the types of Waqf sukuk distributed to the productive sector are all schemes that can be implemented in developing MSMEs through the CWLS sukuk.
Co-Authors Ahmad Rodoni Asyraf Mustamin Iryani Iryani Kamaruddin Kamaruddin Nur Syamsu R. Melda Maesarach St Hafsah Umar Sudirman Sudirman Supriadi Supriadi Surya Ningsih