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All Journal Istithmar: Jurnal Studi Ekonomi Syariah Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah
Lantip Susilowati
IAIN Tulungagung
Economics, Econometrics & Finance

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Journal : Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah

 1 
Pengaruh Dana Pihak Ketiga (DPK) Mudharabah Anggota dan Liability Lembaga Lain Terhadap Return On Equity (Study Pada Lembaga Keuangan Syariah Non Bank di Tulungagung dan Blitar) Binti Nur Asiyah; Lantip Susilowati; Nur Aziz Muslim
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 5 No. 1 (2018)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v5i1.1625

Abstract

This study is based on the limitations of non-bank syariah financial institutions (Baitul Maal wat Tamwil) in accessing funds from members. The Cooperative Act of 2012 provides an opportunity for Cooperatives to access funds from other institutions. This condition has an impact on profit performance for equity owners. If the profit is low then the institution's sustainability is threatened. The equity holder moves his funds into a more profitable business. This research aims to; 1) Analyzing the condition of Third Party Funds (DPK) mudharabah at BMT in Tulungagung and Blitar. 2) Analyzing other institutions' liability conditions in BMT Tulungagung and Blitar. 3). Analyzing the condition of return on equity at BMT in Tulungagung and Blitar. 4) Test the significant influence of Third Party Funds (DPK) mudharabah on return on equity at BMT in Tulungagung and Blitar. 5) Examining the significant influence of other institutions' liability on return on equity in BMT Tulungagung and Blitar. 6) Examine the significant influence of Third Party Funds (DPK) mudharabah and other institutional liability to return on equity in BMT Tulungagung and Blitar. This research was conducted with a quantitative approach and type of associative research. Data analysis was done by data normality test, classical assumption test (Multikolineritas, heterokedastisitas, autokorelasi), multiple regression test, hypothesis test, coefficient of determination test. The results of this study are 1). The condition of Third Party Funds (DPK) mudharabah members experience fluctuations in both BMT in Tulungagung, while in Blitar tend to decrease. 2) Liability of other institutions is more needed in BMT Blitar, than in Tulungagung. 3). Return on equity is greater on BMT in Blitar than in Tulungagung. 4) Mudharabah DPK has a positive but not statistically significant effect on the return on equity of non-bank Islamic financial institutions in Tulungagung and Blitar. 5) Liability to other institutions gives a negative and not statistically significant effect on the return on equity of non-bank Islamic financial institutions in Tulungagung and Blitar. 6) Simultaneously mudharabah DPK variable and liability at other institution give influence and not statistically significant to return on equity BMT in Tulungagung and Blitar
Model Strategi Tumbuh Dan Bertahan Pada Pengelolaan Baitul Maal Wat Tamwil (BMT) Di Kabupaten Tulungagung Dan Ponorogo Lantip Susilowati
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 5 No. 2 (2018)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v5i2.1891

Abstract

BMT faces internal business challenges from managers. External challenges come from members, business competitors and economic conditions. BMTs face obstacles in managing business growth strategies and survival strategies. The focus of the problem in this study; 1) What is the growth strategy for the management of Baitul Maal wat Tamwil? 2) How do you survive the management of Baitul Maal wat Tamwil? 3) Are there obstacles faced in the effort to grow and survive the management of Baitul Maal wat Tamwil (BMT)? This study was examined with a qualitative and interpretive type approach. The results of this study: 1) The growth strategy of BMT management is done by maximizing network and employee functions, the product contains the value of core product benefits and improved benefits, spatial planning shows fast service, contains art, and member comfort, promotion is carried out in the form of external marketing, internal and interactive. 2). Defending strategies in BMT management: not adding employees when not increasing productivity, removing mudharabah time deposits, profit sharing according to sharia, BMT Dinar Amanu still applies a special rate of 1% for mudharabah deposits, Supervision is carried out with supervision of all employees, DPS BMT Dinar amanu function not maximal. 3) Constraints faced in efforts to grow and survive on BMT management include lack of competent Human Resources, ready to challenge, less agile and less agile and KUR fund competition.
Co-Authors Binti Nur Asiyah Moh Irbash Dzikrulloh Nur Aziz Muslim