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PERAN PEMBIAYAAN BAGI HASIL MUDHARABAH DALAM PENGEMBANGAN USAHA NASABAH (Studi pada KANINDO Syariah Jatim) Munir, Misbahul; Wardani, Mei Dwi
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 1, No 01 (2013): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (80.405 KB) | DOI: 10.18860/ed.v1i01.2517

Abstract

Islamic financial services unit is designed for the creation of togetherness in bearing the risks and share the results of operations between the owner of the funds that keep their money in banks, with banks and fund managers as well as communities in need of funds to the status of the borrower or fund manager. In this study using qualitative analysis methods, qualitative analysis is a data analysis technique used in describing how the objects of research as well as outlines in the form of sentences or statements based on data collected with the aim to obtain a conclusion from the formulation of the problem. The results of this research show that mudharabah role for business customers looking from business activities managed by the customer. From an initial shortage of capital to the business generate more profits. In addition, mudharabah also have a role to the Indonesian economy. Among them are mudharabah not solely motivated by economic but also social motive that is earmarked for small communities. With mudharabah motives will alienate the public from loan sharks, but it required a very easy terms, and also mudharabah will save the Muslims from the practice of usury which is clearly unlawful. Keywords: pembiayaan, mudlarabah, bagi hasil, shahib al-mal, mudlarib
PENGARUH PENERAPAN GOOD CORPORATE GOVERNANCE TERHADAP NILAI PERUSAHAAN DENGAN IMPLEMENTASI CSR SEBAGAI VARIABEL PEMODERASI Munir, Misbahul; Suryandari, Eka Sevia; Mahmudah, Anik
IQTISHODUNA IQTISHODUNA (VOL 10, NO 1.
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (36.716 KB)

Abstract

Corporate Governance is a system that regulates and controls the company that is expected toprovide and enhance the company’s value to its shareholders. This study aims to determine the effect of theimplementation of good corporate governance (GCG) to the value of state-owned banks companies listings inIndonesia stock exchange (IDX) with the implementation of corporate social responsibility (CSR) as a moderatingvariable. This research is a quantitative, analytical models using classical assumption test consists of a testheterokedastisitas, non-autocorrelation test and normality test, followed by analysis using regression analysismoderation. The results showed that, application of good corporate governance is proxied by ManagerialOwnership (X1), Proportion of Independent Commissioner (X2), Audit Committee (X3), Independence of theAudit Committee (X4), Frequency of Audit Committee Meetings (X5) and the frequency of Board Meeting(X5) simultaneously significant effect on firm value (Tobin’s Q). With the results of R Square of 61.1% meansthat the variable Tobin’s Q (Y) in the six variables explained by the moderating variable of Corporate SocialResponsibility (Z). While the remaining 38.9% is explained by other variables or independent variables outsidethe regression equation.
“SURABAYA UNDERGROUND AQUA PROJECT” KONSEP PENGELOLAAN AIR MINUM, AIR LIMBAH, DAN AIR HUJAN PERKOTAAN DI BAWAH TANAH SEBAGAI SOLUSI PERMASALAHAN AIR DI KOTA BESAR Nurdin, Fahmi Adha; Mulia, Gelora Jelang Takbira; Rosyidah, Badriyah; Ishar, Muhammad; Munir, Misbahul
Program Kreativitas Mahasiswa - Gagasan Tertulis PKM-GT-2014
Publisher : Ditlitabmas, Ditjen DIKTI, Kemdikbud RI

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (2279.245 KB)

Abstract

Surabaya community faces serious water problems, such as drinking water, wastewater and rain water. Surabaya River has been polluted by domestic wastewater and does not meet the requirement as raw water of water treatment facility (PDAM). Otherwise, Surabaya does not have rain water utilization management system. This study is to determine a concept of Surabaya Underground Aqua Project that is a city-scale innovation of water management and technology. It is to create an idea of water recycle concept to obtain environmental sustainability. The concept includes networks planning and installation. Installation section is divided into two areas, namely area of wastewater treatment and rainwater and area of raw water treatment for drinking water. Furthermore, the piping networks are divided into two, namely drinking water supply systems and sewerage systems and rainwater collections system. The entire installations and networks are constructed underground building. From this idea, it obtains the concepts to improve the quality and quantity of drinking water supply in Surabaya. It also can overcome floods, preventing water crisis and can improve environmental health.Keywords: drinking water, rainwater, wastewater, water recycle
Rasionalitas Gerakan Kewirausahaan Organisasi Tarekat Siddîqîyah di Jombang Munir, Misbahul
ISLAMICA: Jurnal Studi Keislaman Vol 9, No 2 (2015): Islamica
Publisher : Program Pascasarjana UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (411.974 KB) | DOI: 10.15642/islamica.2015.9.2.295-322

Abstract

This article aims to reveal the values of local wisdom explored from the teachings of the Siddîqîyah order which drives the emergence of high spirit of entrepreneur-ship. The article demonstrates that the spirit of entrepreneur-ship within the Siddîqîyah order is strongly related to its teachings, doctrines and culture, such as that of the unity between faith and humanity, the eight points of readiness for the Siddîqîyah membership, and the doctrine of ‘santri’ (disciple). In attempts to earn living, they run business enterprise through promoting the principle of hard-work and good business management, in addition to implementing spiritual and social capital in achieving success in business. They believe in and feel the strength of prayer (du‘â’), certain rituals, and the importance of belief and harmony to achieve success in business. The teachings, doctrines and culture of the Siddîqîyah order influence the understanding towards the meaning of wealth or property, and occupy an important position in the life of the Siddîqîyah followers. For them, property or wealth has double meaning; it is not only meant in economic context, but also understood in other meanings, i.e., social, spiritual, cultural, and philosophical.
OPTIMASI PRODUKSI SERTA ANALISIS AKTIVITAS ANTIOKSIDAN DAN ANTIMIKROBA SENYAWA EKSOPOLISAKARIDA DARI JAMUR TIRAM PUTIH (Pleurotus ostreatus) PADA MEDIA CAIR [Optimization of Exopolysaccharide Production from Pleurotus ostreatus Growth on Liquid Medium and Analysis of Its Antioxidant and Antimicrobial Activity ] Saskiawan, Iwan; Munir, Misbahul; Achmadi, Suminar S
BERITA BIOLOGI Vol 15, No 2 (2016)
Publisher : Research Center for Biology-Indonesian Institute of Sciences

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (2845.341 KB) | DOI: 10.14203/beritabiologi.v15i2.2299

Abstract

Pleurotus ostreatus is well known as an oyster mushroom that is very popular because of its high nutritional value and pharmaceutical component. The aim of this research was to study the antioxidant and antibacterial activity of exopolysaccharides from P. ostreatus grown on liquid medium.The P. ostreatus was grown on Mushroom Complete Medium (MCM) containing various types of Carbon (C) and Nitrogen (N) sources, i.e glucose, lactose, amylose and sucrose as a Carbon sources and yeast extract, polypeptone, NH4Cl, and NH4NO3 as a Nitrogen sources. The results showed that sucrose and yeast extract were the best source of Carbon and Nitrogen that produced 208 and 100 mg/L of exopolysaccharides.  The exopolysaccharide exhibited antimicrobial activity against Bacillus subtilis and Escherichiacoli. However, it did not have antimicrobial activity against Saccharomyces cerevisiae.  In addition, the exopolysaccharide indicated to have an antioxidant activity.
STRATEGI KOMUNIKASI DALAM PROGRAM MUTIARA HIKMAH DI RADIO RASIKA FM Munir, Misbahul
Islamic Communication Journal Vol 3, No 1 (2018): Edisi Januari - Juni
Publisher : Islamic Communication Journal

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Abstract

This research is to know how communication strategy in program of Mutiara Hikmah at Radio Rasika Fm. The research used is qualitative research, taking place in Radio Rasika Fm which is located in Ungaran city of Semarang regency. Data collection techniques used are using observation methods, interview methods and documentation methods. The method of analysis used in this research is descriptive analysis method. This analysis is useful for researchers to find out how the communication strategy used in the program Mutiara Hikmah.       The result of this research is that the strategy used by Rasika Fm radio in Mutiara Hikmah program is to develop communication strategy and program strategy. In formulating the communication strategy can be seen from the analysis of the audience is through membership surveys, the preparation of messages through the AIDDA method, the determination of methods through redundancy and canalizing methods, and the selection of media communication by using various media to support the program Mutiara Hikmah to be better known by audience listeners. In terms of program strategy is through broadcast program planning process, production process and program purchase, program execution process, and supervision process and program evaluation, all of which are very important and needed in the process of preparing one of the program that is Mutiara Hikmah program,Keywords: strategy, communication, radio------------------------------------------------------------------------------------Penelitian ini yaitu untuk mengetahui bagaimana strategi komunikasi dalam program Mutiara Hikmah di Radio Rasika Fm. Penelitian yang digunakan merupakan penelitian kualitatif, dengan mengambil tempat di Radio Rasika Fm yang berada di kota Ungaran kabupaten Semarang. Teknik pengumpulan data yang digunakan yaitu dengan menggunakan metode observasi, metode wawancara dan metode dokumentasi. Adapun metode analisis yang digunakan dalam penelitian ini adalah metode analisis deskriptif. Analisis ini berguna bagi peneliti untuk menemukan bagaimana strategi komunikasi yang digunakan dalam program Mutiara Hikmah.Hasil dari penelitian ini bahwa secara umum strategi yang digunakan oleh radio Rasika Fm dalam program Mutiara Hikmah adalah menyusun strategi komunikasi dan strategi program. Dalam menyusun strategi komunikasi dapat terlihat dari analisis khalayak yaitu dengan melalui survey membership, penyusunan pesan melalui metode AIDDA, penetapan metode melalui metode redundancy dan canalizing,  dan pemilihan media komunikasi dengan menggunakan berbagai macam media untuk menunjang program Mutiara Hikmah agar lebih dikenal oleh khalayak pendengar. Dari segi strategi program yaitu melalui proses perencanaan program siaran, proses produksi dan pembelian program, proses eksekusi program, dan proses pengawasan serta evaluasi program, yang semua itu sangat penting dan dibutuhkan dalam proses penyusunan salah satu programnya yaitu program Mutiara Hikmah, Kata kunci: strategi, komunikasi, radio
PENGARUH PENERAPAN GOOD CORPORATE GOVERNANCE TERHADAP NILAI PERUSAHAAN DENGAN IMPLEMENTASI CSR SEBAGAI VARIABEL PEMODERASI Munir, Misbahul; Suryandari, Eka Sevia; Mahmudah, Anik
IQTISHODUNA IQTISHODUNA (VOL 10, NO 1.
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (143.55 KB) | DOI: 10.18860/iq.v10i1.3579

Abstract

Corporate Governance is a system that regulates and controls the company that is expected toprovide and enhance the company’s value to its shareholders. This study aims to determine the effect of theimplementation of good corporate governance (GCG) to the value of state-owned banks companies listings inIndonesia stock exchange (IDX) with the implementation of corporate social responsibility (CSR) as a moderatingvariable. This research is a quantitative, analytical models using classical assumption test consists of a testheterokedastisitas, non-autocorrelation test and normality test, followed by analysis using regression analysismoderation. The results showed that, application of good corporate governance is proxied by ManagerialOwnership (X1), Proportion of Independent Commissioner (X2), Audit Committee (X3), Independence of theAudit Committee (X4), Frequency of Audit Committee Meetings (X5) and the frequency of Board Meeting(X5) simultaneously significant effect on firm value (Tobin’s Q). With the results of R Square of 61.1% meansthat the variable Tobin’s Q (Y) in the six variables explained by the moderating variable of Corporate SocialResponsibility (Z). While the remaining 38.9% is explained by other variables or independent variables outsidethe regression equation.
Deteksi Kebangkrutan pada Industri Asuransi Syariah di Indonesia Bakhtiar, Fayakhun; Munir, Misbahul; Qasas, Ahsan Al
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol 1, No 2 (2018)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (3201.366 KB) | DOI: 10.12928/ijiefb.v1i1.286

Abstract

This study aims to predict the potential bankruptcy of a sharia insurance company. The analysis model used is the modified Altman Z-score analysis model. The Altman Z-score measurement model will be represented by the ratio of the network model to total assets, retained earnings to total assets, earnings before interest to total assets and capital book value to the book value of debt. The results showed that in 2011-2017 5 sharia insurance companies were in a safe zone (not bankrupt), there was only one sharia insurance company in the gray zone.
Analisis Pengaruh CAR, NPF, FDR dan Inflasi terhadap Profitabilitas Perbankan Syariah di Indonesia Munir, Misbahul
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol 1, No 2 (2018)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (3154.156 KB) | DOI: 10.12928/ijiefb.v1i1.285

Abstract

The increasing number of sharia financial institutions in Indonesia is accompanied by an increase in literature review regarding sharia financial institutions. Renewal of studies related to the development of Islamic finance in Indonesia is important to continue. This study aims to examine the factors that affect the level of profitability of Islamic banking in Indonesia in the latest conditions and the latest data. The approach used is quantitative descriptive. Based on the F test, the f-statistic value obtained was 0.000085 below 0.05 (five percent). In other words, the independent variables including CAR, NPF, FDR, and inflation simultaneously have a significant effect on the dependent variable ROA. Whereas in a formal manner, based on the t-test, the NPF variable has a positive and significant effect on ROA. While the CAR, FDR and inflation variables have no effect on ROA.
Analisis Faktor Persepsi Nasabah Bank Konvensional dan Switching Barriers Ke Bank Syariah Slamet, Slamet; Munir, Misbahul; Hasan, Irmayanti
IQTISHODUNA IQTISHODUNA (VOL.15, No.2, 2019)
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (515.59 KB) | DOI: 10.18860/iq.v15i2.5919

Abstract

This research is to identify and analyze the factors of conventional bank customers' perception in Pondok Pesantren community in using Islamic banking services and identify and analyze switching barriers factors to become sharia bank customers for the Pondok Pesantren community. The paradigm in this research uses quantitative research with a CFA approach. The results showed that the factors that become conventional bank customers' perceptions in using Islamic banking for the Islamic boarding school community are comprised of three perceptions, namely customer perception variables consisting of a cognitive dimension, affective, and connectively. This means that respondents already have a dominant perception of the Islamic banking system. This is indicated by  that they have an understanding and knowledge of the existence and sharia banking system in Indonesia, although some of them use conventional banking services. There are several factors causing switching barriers to become customers of Islamic banks in the Pondok Pesantren community, from the loading factor value it is known that the dimension of value congruency is the dominant dimension in forming switching barriers variables in conventional banks.