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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

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.

Pengembangan Program Studi Perbankan Syariah Berbasis Integrasi Peran Perbankan Syariah Pengembangan Sektor Riil UMKM Sudirman Sudirman; Trimulato Trimulato; Kamaruddin Kamaruddin; Iryani Iryani
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021)
Publisher : Universitas Muhammadiyah Surabaya

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.Keywords: Sharia banking, SMEs, and Departement of Sharia Banking UIN Alauddin Makassar

Pengaruh Inflasi dan Tingkat Suku Bunga Terhadap Tingkat Bagi Hasil Deposito Mudharabah Pada Bank Umum Syariah di Indonesia Sudirman Sudirman; Fitrianti Fitrianti
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 6 No 2 (2022): Oktober
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v6i2.31464

This study aims to determine the effect of interest rates and inflation on the number of mudharabah deposits through the variable rate of profit sharing at Islamic commercial banks in Indonesia. This study was designed using a confirmatory approach. The data used is secondary data, the type of time series during the period 2011-2020. This study uses path analysis method with the help of software version 26. The results show that directly, inflation has a positive and significant effect on the amount of mudharabah deposit savings in Islamic banks in Indonesia by -0.462, interest rates have a positive and significant effect on the amount of mudharabah deposit savings in Islamic banks in Indonesia is 0.970, and the rate of profit sharing has a positive and significant effect on the amount of mudharabah savings deposits at Islamic banks in Indonesia of 0.251. Meanwhile, indirectly, inflation has a negative and insignificant effect on the amount of mudharabah deposit savings in Islamic banks in Indonesia; the interest rate has a positive and significant effect on the amount of mudharabah deposit savings in Islamic banks in Indonesia.

THE INFLUENCE OF INTERNAL AND EXTERNAL FACTORS AS AN EXPLANATION OF CHANGES IN NON-PERFORMING FINANCING AT BANK BNI SYARIAH Sudirman Sudirman; Trimulato Trimulato; Andi Sadapotto; Yulianti Yulianti
Tasharruf: Journal Economics and Business of Islam Vol 7, No 2 (2022): DECEMBER
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v7i2.2084

The purpose of this research is to analyze the influence of internal variables including Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Operational Costs to Operating Income (BOPO), and external variables, including Inflation and value of the exchange rate on Non-Performing Financing (NPF). The data used is secondary data obtained from financial statements from Bank BNI Syariah and Central Statistics Agency. The type of data analyzed is time series quarter period last ten years, from 2011 to 2020. The data analysis method is carried out using multiple regression with SPSS version 26. The results of this study found together the Financing to Deposit Ratio variables (FDR), Capital Adequacy Ratio (CAR), Operating Costs to Operating Income (BOPO), Inflation, and Exchange Rates have a significant effect on Non-Performing Financing (NPF). Meanwhile, the partial Financing to Deposit Ratio (FDR) variable has a negative and insignificant effect on Non-Performing Financing (NPF). Likewise, Operational Costs on Operating Income (BOPO) have a positive and insignificant effect on Non-Performing Financing (NPF). Meanwhile, Capital Adequacy Ratio (CAR) and Inflation have a positive and significant effect on Non-Performing Financing (NPF). However, the exchange rate has a negative and significant effect on Non-Performing Financing (NPF). The conclusions were tested together with variables Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Operating Costs to Operating Income (BOPO), Inflation, and Exchange rates have a significant effect on Non-Performing Financing (NPF) at Bank BNI Syariah.

Pelatihan Pembuatan Laporan Keuangan Bagi UMKM Binaan Lapak Berkah Lembaga IZI Makassar Trimulato; Sudirman Sudirman; Asyraf Mustamin
Medani : Jurnal Pengabdian Masyarakat Vol. 1 No. 1 (2022): April 2022
Publisher : Lembaga Riset Ilmiah

Peran seluruh pihak dalam mendukung perkembangan Usaha Mikro Kecil dan Menengah (UMKM), perlu dilakukan untuk mendukung perkembangan ekonomi. Sebagaimana porsi UMKM terbesar dalam pergerakan ekonomi di Indonesia, UMKM melibatkan banyak pihak kegiatannya sehingga memberikan peluang lapangan kerja yang lebih besar. Hanya saja terkadang UMKM memiliki kendala dalam pengembangannya, seperti kendala permodalan, kendala penggunaan teknologi, dan kendala dalam menyusun laporan keuangan. Terkadang UMKM tidak mendapat akses pembiayaan dari lembaga keuangan karena tidak memiliki laporan keuangan yang baik, sehingga dibutuhkan pendampingan bagi UMKM untuk penyusunan laporan keuangan yang baik. Tujuan dari kegiatan pengabdian ini untuk memberikan pelatihan pendampingan laporan keuangan yang mudah bagi UMKM lapak berkah binaan lembaga Inziatif Zakat Indonesia (IZI) Makassar. Metode pengabdian masyarakat yang dilakukan ini melalui pendampingan langsung kepada para pelaku UMKM, dengan melakukan beberapa tahapan sebelum pelaksanaan kegiatan. Hasil dari kegiatan pengabdian masyarakat pelaku UMKM mengetahui cara pembuatan laporan keuangan yang sederhana, pelaku UMKM. Kegiatan ini merupakan program kegiatan program studi perbankan syariah UIN Alauddin Makassar berkerjasama dengan lembaga IZI Makassar.

Implementation of the Filing System at State Elementary School 18 Lawang Kidul Ema Ambiapuri; Sudirman Sudirman; Putri Hana Pebriana; Heri Dermawan; Emy Yunita Rahma Pratiwi
Edumaspul: Jurnal Pendidikan Vol 7 No 1 (2023): Edumaspul: Jurnal Pendidikan
Publisher : Universitas Muhammadiyah Enrekang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1147.522 KB)

The research objective is to determine how the filing system is implemented at SDN 18 Lawang Kidul and the supporting and inhibiting factors for implementation. This study uses a qualitative descriptive method using critical information, namely the head of administration and supporting informants, namely the principal and teachers—data collection techniques through observation, interviews, and documentation. Data analysis techniques were carried out through data reduction, data presentation, data verification and conclusion. The results of this study indicate that the implementation of the filing system at SDN 18 Lawang Kidul is quite good through several aspects, namely: 1) Guidance, which is carried out so that the filing system can run according to applicable procedures and regulations; 2) Providing motivation, which is given by the school principal to administrative staff and teachers to encourage enthusiasm in implementing the filing system; 3) Communication, which exists between the school principal and administrative staff and teachers has a significant influence on the ongoing implementation of the filing system in conveying information; 4) Coordination, namely ensuring cooperation between school principals, administrative staff, and teachers in implementing the filing system. The supporting factors for implementing the filing system are the use of an appropriate archive storage system and effective communication in archiving as for the inhibiting factors, namely the low quality of human resources and the limited facilities and infrastructure in archiving.

Analisis Pengorganisasian dan Manajemen Usaha Mikro Syariah: Keberlanjutan dan Efektivitas dalam Konteks Ekonomi Berbasis Prinsip-Prinsip Syariah Risnawati Risnawati; Siradjuddin Siradjuddin; Sudirman Sudirman
Innovative: Journal Of Social Science Research Vol. 3 No. 3 (2023): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v3i3.2181

Penelitian ini bertujuan untuk menganalisis pengorganisasian dan manajemen usaha mikro syariah dalam mencapai keberlanjutan dan efektivitas dalam konteks ekonomi yang berbasis prinsip-prinsip syariah. Metode penelitian yang digunakan adalah pendekatan kualitatif dengan studi kasus beberapa usaha mikro syariah yang beroperasi dalam berbagai sektor. Melalui analisis mendalam terhadap data primer dan sekunder, penelitian ini mengidentifikasi faktor-faktor kunci yang mempengaruhi pengorganisasian dan manajemen usaha mikro syariah. Metode pengumpulan data yang digunakan meliputi wawancara mendalam dengan pemilik usaha, observasi langsung, dan analisis dokumen terkait. Hasil penelitian ini menunjukkan bahwa pengorganisasian yang baik dan manajemen yang efektif berperan penting dalam keberlanjutan dan keberhasilan usaha mikro syariah. Faktor-faktor seperti pemahaman yang kuat tentang prinsip-prinsip syariah, penerapan etika bisnis Islam, dan pengelolaan sumber daya manusia yang efisien memainkan peran penting dalam meningkatkan kinerja usaha mikro syariah.

Determinan Penanaman Modal Asing Langsung di Indonesia Periode Tahun 2016-2020 Sudirman Sudirman; Nurwafa Wafia
Al-Buhuts Vol. 19 No. 1 (2023): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v19i1.3933

This study aims to examine the effect of gross domestic product, infrastructure, exports, and corruption perception index on foreign direct investment in Indonesia. The data used is time series data over a period of 25 years, namely from 2016-2021. The type of data is secondary data obtained from the Central Bureau of Statistics and Transparency International. The data is processed using multiple regression analysis method with the help of SPSS software version 26. The results of this study indicate that together the variables of Gross Domestic Product, Corrosion Perception Index, Exports, and Infrastructure have a significant effect on Foreign Direct Investment in Indonesia. Then partially, the gross domestic product variable and the corruption perception index have a positive and significant effect on foreign direct investment. Likewise, the export variable has a positive but not significant effect on foreign direct investment in Indonesia. Meanwhile, infrastructure has a negative and significant effect on foreign direct investment in Indonesia Â

PENDAYAGUNAAN ZAKAT PRODUKTIF PADA KELOMPOK LAPAK BERKAH BINAAN IZI KOTA MAKASSAR Trimulato Trimulato; Sudirman Sudirman; Ismawati Ismawati; Supriadi Supriadi; Samsul Samsul; Ismail Halim
HIKMAYO: JURNAL PENGABDIAN MASYARAKAT AMAYO Vol 2 No 2 (2023): HIKMAYO : Jurnal Pengabdian Masyarakat
Publisher : LPPM Akademi Manajemen Administrasi Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56606/hikmayo.v2i2.127

Zakat is an obligation for every Muslim because zakat is one of the pillars of Islam. The benefits of tithing include two dimensions, namely the spiritual dimension and the social dimension. A spiritual dimension is a form of obedience in carrying out religious orders, while the social dimension is the implementation of a caring attitude among fellow Muslims. Zakat is very useful to ease the economic burden of the poor. The distribution of zakat is not only to meet the needs of daily life but can also be distributed in the form of working capital assistance so that zakat funds can be productive. Management of zakat funds will be productive if it can be managed professionally. Therefore, to realize this goal, we, from the Department of Sharia banking, Faculty of Economics and Islamic Business, State Islamic University, Makassar, are moved to carry out community service activities that are packaged in the form of empowerment activities and business management assistance. The method used in community service activities with the theme of Empowerment of Productive Zakat as an effort to strengthen the economy of the community who are members of the Blessings group under the guidance of the Indonesian Zakat Initiative in Makassar. Stages of activity, first conducted observations to obtain initial information related to the condition of the target group. The next stage is to draw up a plan for empowerment and mentoring activities. Next, conduct education through lecture methods, discussions, and consultations related to business management. Speakers describe business management and market-building strategies. The next stage is to assist by conducting regular consultation visits every month. The results of these activities can help provide solutions to various problems in business management, both in terms of financial management and marketing aspects.

Menillik Konsep Dasar Manajemen Strategis Bisnis di Era Transformasi Digital Berbasis Syariah Nur Alisa; Pipi Arviana; Nur Azizah; Sudirman Sudirman; Rika Dwi ayu Parmitasari
Innovative: Journal Of Social Science Research Vol. 4 No. 1 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i1.7769

Implementasi manajemen strategis merupakan pilihan yang tepat karena dinilai mampu memberikan kemudahan dalam menentukan dan mencapai tujuan organisasi bisnis. Konsep manajemen strategis bisnis muncul sebagai antispasi akibat munculnya berbagai macam perubahan yang tidak dapat dihindari. Perubahan tersebut berasal dari beberapa faktor internal maupun eksternal dari lingkungan bisnis yang berdampak pada perubahan selera konsumen seperti adanya pasar bebas, persaingan ketat, inflasi yang meningkat, dan kondisi geografis yang berubah. Tujuan penelitian ini dilakukan adalah untuk mengetahui konsep dasar dalam manajemen strategis pada bisnis khususnya di era transformasi digital perspektif syariah. Penelitian ini adalah penelitian kualitatif dengan library research sebagai metode untuk mengumpulkan data terkait. Hasil penelitian menunjukkan bahwa manajemen strategis bisnis syariah dilaksanakan berlandaskan pada prinsip-prinsip dalam al-Qur’an dan juga dalam hadis Nabi Muhammad Saw yang tujuannya untuk menggait kebahagiaan tidak hanya di dunia tetapi juga sampai pada akhirat. Salah satu tanda perkembangan era digitalisasi yaitu munculnya berbagai platform yang memudahkan seseorang untuk berdagang melalui internet. Namun banyak terjadi penyimpangan dalam transaksinya, untuk menghindari hal tersebut maka perlu pengamalan manajemen strategis yang berbasis syariah dalam bisnis. Kata Kunci : Manajemen, strategis, bisnis, syariah

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