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All Journal JIES: Journal of Islamic Economics Studies
Masyhudan Dardiri
Universitas Hasyim Asy'ari
Religion Economics, Econometrics & Finance

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Peran Baitul Maal Wa Tamwil (BMT) Usaha Gabungan Terpadu (UGT) Sidogiri Dalam Pemberdayaan Pedagang Mikro Elya Zuliana; Ahmad Ajib Ridlwan; Masyhudan Dardiri
JIES : Journal of Islamic Economics Studies Vol. 2 No. 1 (2021): February
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi, Universitas Hasyim Asy'ari Tebuireng Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/jies.v2i1.252

Abstract

Capital is one of the problems faced by micro traders. The presence of BMT is a solution for those who need capital assistance to develop a business, so it needs a direct role from BMT. This study aims to determine the financing mechanism in BMT UGT Sidogiri Cabang Jombang and to know the role of BMT UGT Sidogiri Cabang Jombang in empowering micro traders. The research method used is descriptive analysis method. Data collection techniques used are observation, interviews, and documentation. The results of this study indicate that 1) the financing mechanism in BMT UGT Sidogiri Cabang Jombang is very easy and fast by going through several stages, namely the applicant proposes financing by meeting the requirements, then analysis and survey will be carried out. After submission in acc, the next stage is he contract process and the disbursement process. 2) The role of BMT UGT Sidogiri Cabang Jombang in empowering micro traders is by providing capital assistance through financing. In addition to financing, BMT UGT Sidogiri Cabang Jombang also provides financing but has not been maximized, namely only as an initiative in the form of providing motivations to traders.
Faktor – Faktor Yang Berdampak Terhadap Pendapatan Margin Murabahah Pada Bank BRI Syariah Periode 2012 - 2019 Ahmad Fatkhur Rizqi; Masyhudan Dardiri
JIES : Journal of Islamic Economics Studies Vol. 2 No. 1 (2021): February
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi, Universitas Hasyim Asy'ari Tebuireng Jombang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33752/jies.v2i1.327

Abstract

This study objective to  examine factor the impact income margin Murabahah in islamic banking Indonesia. Multiple   linier  regreson  analysis, coefficient of  determination, hypotesis testing and the classical   assumption  is the analyctic tool in this research. The islam bank in indonesia are the populaton in this study,   while . The sampling of this resarch is the bank BRI syariah in Indonesia by using saturated sampling method. The result show that, (1) the Murabahah Financing has a partial impact on the Murabahah margin income (2) the third party funds have a partial impact on the Murabahah margin income in BRI syariah, (3) the BI Rate has a partial impact on the Murabahah margin income in BRI syariah, and (4) the operational cost have a partial impact on Murabahah margin income in BRI syariah, while Variabel Murabahah Financing, Third Party Funds, BI Rate, and Operational Cost have a simultaneous impact on Murabahah margin income. The result of the coefficient of determination on the ajusted R Square value is 0.834, which means that the variable Murabahah Financing, Third Party Funds, BI Rate and Operational Cost impact Murabahah margin income by 83.4% Keywords : Murabahah margin, third party funds, BI Rate, biaya opearsional
Co-Authors Ahmad Ajib Ridlwan Ahmad Fatkhur Rizqi Elya Zuliana