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All Journal JEBI (Jurnal Ekonomi dan Bisnis Islam) Maqdis: Jurnal Kajian Ekonomi Islam Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan
DAVY HENDRI
Universitas Islam Negeri Imam Bonjol Padang
Economics, Econometrics & Finance

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 1 
SHARIAH FINANCING FOR FARMERS POVERTY REDUCTION DAVY HENDRI
JEBI (Jurnal Ekonomi dan Bisnis Islam) Vol 1, No 1 (2016): Januari - Juni 2016
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/jebi.v1i1.3

Abstract

The agricultural’s sector issues remains important, both from  strategic and pragmatic sides. From the strategic side, the contribution to GDP and labor absorption in this sector is still significant. While at the pragmatic side, contrary to earlier, the poverty rate of economic actors at the sector did not experience significant improvement. Farmer’s poverty alleviation efforts, as if to see a thick wall. In the era of oil boom of the past, subsidies be the pa­radigm taken by government. However, because of  government budget con­straints, and also the absence of the private sectors role, the efforts being failed. Shariah banking have a great obligation to face this huge potential demand. Because of poor farmers was a part of the largest Islamic commu­nity itself and the maqasid Shari'ah philosophy put the protection of man­kind from poverty and indigence as one of the main objectives. Nevertheless, major barriers to technical and economic, made sharia banking still not pre­sent in those efforts. Need a new paradigm which using a comprehensive ap­proach and involve actively participation of all parties to realize those goals. To that end, this paper will try to offer  that new paradigm.
DIFFERENTIATION IN RISK PREFERENCES AMONG SME ACTORS AS CUSTOMER OF CONVENTIONAL MFI VS ISLAMIC MFI AT PADANG DAVY HENDRI
Maqdis: Jurnal Kajian Ekonomi Islam Vol 1, No 2 (2016): Juli - Desember 2016
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/maqdis.v1i2.41

Abstract

This study highlights the characteristics of Small and Middle Entrepreneurs (SMEs) as a debtor of micro finance institution (MFI), whether as conventional or sharia type. The study was conducted by taking primary data including 30 debtors of conventional MFI and 29 debtors of Sharia MFI using a questionnaire. In the first stage, the study established several indices to measure the religiosity level using Principal Component Analysis. Additionally, game field experiments use in order to reveal the debtor’s risk preferences. At a later stage, the probit regression model used. This study found that debtors of sharia MFI is relatively more religious. There is also a fact that debtors from both types of MFI have the same risk preferences, risk lover. But debtors in sharia MFI have a relatively lower level one. So, in order to broaden the Sharia MFI inclution, the managers have to pay more attention to at least two other characteristics of SMEs; their age and the years of experience in business management.
ULAMAS AND HIS INFLUENCE ON CONFLICT RESOLUTION : THE ROLE OF HETEROGENEITY IN COMMUNITIES STRUCTURE DAVY HENDRI
Maqdis: Jurnal Kajian Ekonomi Islam Vol 1, No 1 (2016): Januari - Juni 2016
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/maqdis.v1i1.14

Abstract

This paper examines some concepts regarding religion and conflict, more specifically, the role of Islamic religious leaders in the conflict resolution. In many Muslim countries, Islamic religious leaders play significant roles, not only in the religious realm, but also in the social, cultural, and even political realm. In contrast, the social environment will also determine the level of quality of religious leader’s influence in the form of obedience from citizens over the handling of (resolution) social problems in general and specifically conflict. In the heterogeneous socio-economic structure community realizing those are becoming a major challenge. This article examines the relationship between socio-economic structure of the community with the conflict resolution through the role of the local informal leader, in this case religious leaders (ulama). Data analysis was performed using a combination of SUSENAS and PODES provided by BPS, the unit of analysis based communities around 70,000 villages which aggregated at about 480 districts/cities level of 33 provinces in Indonesia in 2011. At initial stage, we creating specific ulama’s quality measurement, named Indek Kualitas Pengaruh Ulama. Then, because of abundance of zero conflict cases and data overdispersion, we analyze this index relation with socio-economic communities structure through ZIP (Zero-Inflated Poisson) regression. This study found that "stable" socio-economic structure of the communities are determine the ulama’s quality. On the one hand, worsening community social cohesion represented by the high polarization index, tend to erode the ulama’s role (influence) especially in resolving conflict. Conversely, a low polarization index, boosted the confidence level (general trust) to the role of ulama.
PERANAN RISK-PREFERENCE TERHADAP PEMBIAYAAN MACET PADA BMT: METODE EKSPERIMEN MULTIPLE PRICE LIST DAVY HENDRI
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 2, No 1 (2017): Januari - Juni 2017
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v2i1.91

Abstract

The theme of the article is the banks and financial institutions. Several studies have also found that various LKMS financing products also provide incentives and disincentives to the trend of stalled installment financing. This study highlights the impact of characteristics such as: risk and religiosity preferences, which may differ from individual beneficiaries of financing to sharia microfinance institutions (LKMS) to the probability of stalling their financing. The study was conducted by taking primary data in the form of samples of 60 customers who received financing from 1 LKMS but consisted of 30 debtors who experienced financing installment defaults and 30 went smoothly. The process of collecting data uses a questionnaire containing questions about basic demographics, in addition to questions aimed at raising Islamic risk and religiosity preferences. In addition, the impact of external environmental characteristics is also estimated by using probit regression. Group-based financing, which is one of the objectives of reducing adverse selection, can have the opposite effect. Ineffective group roles for various reasons, contagion can be a trigger for moral hazard for other group members. The study found that in addition to religiosity, as an internal factor, the effectiveness of financing groups as a timely external factor of timely payment compliance also plays an important role.
DAMPAK SOCIAL CAPITAL STRONG-TIES VS WEAK-TIES TERHADAP DEFAULT PEMBIAYAAN INDIVIDU ALFI SYUKRI RAMA; DAVY HENDRI
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 3, No 1 (2018): Januari - Juni 2018
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v3i1.164

Abstract

LKMS with unique characteristics, in general has the potential to attract risk-averting individuals to access it. This is at least a mechanism of natural selection intervention (ex-ante) in reducing the possibility of adverse selection of customers with the concept of LKMS. However, several studies have also found that various LKMS financing products also provide incentives and disincentives to the trend of stalled installment financing. This study highlights the impact of characteristics such as: risk and religiosity preferences, which may differ from individual beneficiaries of financing in Islamic microfinance institutions (LKMS) against the probability of defaulting their defaults. The study was conducted by taking primary data in the form of samples of 60 customers who received financing from 1 (one) LKMS but consisted of 30 debtors who experienced financing installment defaults and 30 went smoothly. The process of collecting data uses a questionnaire containing questions about basic demographics, in addition to questions aimed at raising Islamic risk and religiosity preferences. In addition, the impact of external environmental characteristics is also estimated by using probit regression. Group-based financing, which is one of the objectives of reducing adverse selection, can have the opposite effect. Ineffective group roles for various reasons, contagion can be a trigger for moral hazard for other group members. The study found that in addition to religiosity, as an internal factor, the effectiveness of financing groups as a timely external factor of timely payment compliance also plays an important role.
COMPETITION BETWEEN ISLAMIC VS CONVENTIONAL MFI : ITS IMPACT ON CONSUMER’S ACCESS DECISION DAVY HENDRI
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 1, No 1 (2016): Januari - Juni 2016
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v1i1.27

Abstract

This study uses data from the survey IFLS-4 (Indonesia Family Live Surveys-wave 4) to analyze the impact of competition between lenders on cli­ent behaviour. IFLS-4 contains data on self-reported habits of community residents (312 community) decision to access to Islamic Micro Finance Institu­tion (Islamic MFI), named Baitul Maal wat Tamwil (BMT). This data con­tains specific type of BMT’s location which could be accessed by community, with variously geographical distances. This data also is enriched by the presence of another type of conventional MFI. This study found that in­creased competition suggesting clients to change their behaviour. The pres­ence of conventional MFI and theirs proximity as indicator of competition, very instrumental in determining access to BMT. Interesting finding, for religious type borrowers, they tend to sustain their access to BMT whose more far geographical distance, even conventional MFI presence inside their vil­lage. Thus, this study suggests that the expansion of financial inclusion stra­tegy of Islamic MFI should also be specifically determined by behaviour of and the BMT’s location among the community.
Co-Authors ALFI SYUKRI RAMA