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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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Journal : Maqdis: Jurnal Kajian Ekonomi Islam

 1 
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.
Co-Authors ALFI SYUKRI RAMA