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Rifqi Arief Aminullah
Institut Agama Islam Darussalam (IAID), Ciamis, Jawa Barat

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BANK INDONESIA RATE STANDARDS IN DETERMINING THE FINANCING OF MUDHARABAH IN BANK MUAMALAT INDONESIA Rifqi Arief Aminullah; Rizky Maidan Ilmy; Riyan Gita Suara
Syari'ah Economics Vol 5 No 1 (2021): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Darussalam (IAID) Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (356.224 KB) | DOI: 10.36667/se.v5i1.205

Abstract

The purpose of this study was to determine how the effect of BI Rate and profit sharing rate to mudharabah financing income. This research was conducted at PT Bank Muamalat Indonesia which is the first syariah bank that stands in Indonesia which is purely syari'ah. This research is quantitative research, the method used in this research is associative research (relationship) supported by document analysis approach, where the object of research is PT Bank Muamalat Indonesia, the sample used is monthly financial statements of PT Bank Muamalat Indonesia period 2011 -2013. The type of data used is secondary data obtained from financial reports published by BI, OJK and through the official website of PT Bank Muamalat Indonesia. Data analysis method used is descriptive analysis and panel data regression model with significance level 5% or 0,05, then to process data using application Eviews 7. The result of the analysis shows that partial rate of BI Rate and Profit Sharing (TBH) has positive and significant effect to Mudharabah Financing Income, proved by probability value of BI Rate 0,0024 <0,05, and probability value of profit sharing rate 0, 0000 <0.05. Together, the BI Rate and Profit Sharing Ratios have a significant effect on Mudharabah Financing Income, this is evidenced by the value of the probability F statistic 0.000 which is less than 0.05. The variables of the BI Rate and the Profit Sharing Rate have contributed to explain Mudharabah Financing Revenue of 83.3%, while the remaining 16.7% (100% - 83.3%) is explained by other variables not examined or excluded in this research model , so it can be concluded that the BI Rate and profit sharing rate have a positive and significant impact on mudharabah financing income either individually or jointly.
THE ROLE OF MICRO, SMALL, AND MEDIUM ENTERPRISES (MSMEs) IN ABSORBING MANPOWER IN CIAMIS DISTRICT Rifqi Arief Aminullah; Sariyanti Sariyanti; Husna Lailatul Qadar
Syari'ah Economics Vol 4 No 2 (2020): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Darussalam (IAID) Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (270.141 KB) | DOI: 10.36667/se.v4i2.203

Abstract

Since the economic crisis that occurred in Indonesia in 1997, many large-scale businesses have stagnated and even stopped their activities. The soaring population growth accompanied by an increase in the labor force creates a very complex problem, namely the increasing number of unemployed. This is due to the uneven distribution of development in all fields so that the availability of employment opportunities is not balanced. However, the Micro, Small and Medium Enterprises (MSME) sector was able to face the crisis. The research method used is descriptive-analytical by conducting research in the industri tahu bulat by CV. Macakal Pangan Sejahtera in Cipaku District, Ciamis Regency. The results showed (1) the absorption of labor by the industri tahu bulat CV. Macakal Pangan Sejahteral in Cipaku District, Ciamis Regency from 2019 reached 250 people, while in 2020 it was 136 people. There was a decrease in the number of employees between 2019 and 2020; and (2) the role of Micro, Small and Medium Enterprises (MSMEs) in the tofu industry CV. Macakal Pangan Sejahtera in the economy in Cipaku District can be seen from its position as a major player in economic activity, a large provider of employment, an important player in the development of local economic activities and community empowerment, the creation of new markets, and a source of innovation.