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Muh. Arafah
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Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Bone Polewali Kec. Tanete Riattang Barat Kab. Bone Provinsi Sulawesi Selatan 92721
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Islamic Banking and Finance
Published by Institut Agama Islam Negeri Bone
ISSN : 28284402     EISSN : 29639034     DOI : https://doi.org/10.30863/ibf
Core Subject : Economy,
Economics, Econometrics & Finance
Journal IBF (Islamic Banking and Finance) is a scientific journal managed by Islamic banking, the Bone State Islamic Institute of Religion. This journal focuses on major studies in Islamic Finance, Islamic Banking, finance, Islamic Financial Technology, Islamic Accounting and relevant fields of science.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 5 Documents
 1 
Search results for , issue "Vol 1, No 1 (2021)" : 5 Documents clear
RASIONALISASI PEMANFAATAN DANA ZIS DALAM UPAYA MEMBANGKITKAN KESADARAN UMAT (STUDI LAZNAS PADA KOTA MAKASSAR) Masyhuri Masyhuri
Islamic Banking and Finance Vol 1, No 1 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v1i1.2993

Abstract

ABSTRACT Utilization of ZIS Funds in Economic Empowerment of the People in Makassar City. The purpose of this study is to: (1) analyze the concept of using ZIS funds by the Amil Zakat Institution (LAZNAS) in empowering mustahik in empowered villages assisted by Rumah Zakat in Makassar city. (2) analyzing the Mustahik Empowerment Concept in Islamic Philanthropy in Reducing Poverty. (3) to find out the Inhibiting Factors and Challenges of Rumah Zakat in Empowering Mustahik in Makassar City in the empowered village of Rumah Zakat Representative of South Sulawesi. This study uses a qualitative approach based on the interpretive paradigm ofwithout using interviews. The data were analyzed using the Miles and Huberman model, which included the data reduction stage, the data display stage, and the conclusion drawing/verification stage. The results of this study indicate that the concept of using ZIS funds in empowering the people's economy and the concept of empowering mustahik in reducing poverty in the assisted villages of zakat houses in Makassar city have been carried out well. Although there are still some obstacles that need to be addressed, namely the existence of a production house as a center for economic empowerment of the people, product marketing innovations for mustahiq members, and collaboration with all levels of society. Keywords: Accountability, Utilization of ZIS Funds, Amil Zakat Institutions (LAZNAS), Concept of People's Economic Empowerment, Poverty
PENGARUH PARTISIPASI PENGUSAHA MUSLIM BUGIS TERHADAP PENGENTASAN KEMISKINAN DI KABUPATEN BONE SULAWESI SELATAN Syamsul Bahri
Islamic Banking and Finance Vol 1, No 1 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v1i1.3009

Abstract

The purpose of this study was to determine how much influence participation (X) had on poverty alleviation (Y), in Bone Regency, South Sulawesi. This research is included in the explanatory research. It is said so, because this study connects 2 (two) variables, namely participation as the independent variable (X), and poverty alleviation as the dependent variable (Y). Furthermore, to determine the effect of participation (X) of Bugis Muslim entrepreneurs in Bone Regency, hypothesis testing was carried out by comparing the t table with t arithmetic (t test and F test). Based on the results of the study, it is known that the effect of participation on poverty alleviation is obtained by a tcount of3.516with a significance of 0.001. Thus, participation (X) has a significant effect on poverty alleviation (Y). Keywords: Participation, Bugis Muslim Entrepreneurs, Poverty
MODEL PENYELESAIAN PEMBIAYAAN BERMASALAH DENGAN MENGGUNAKAN METODE RESTRUKTURISASI PEMBIAYAAN AKAD MUDHARABAH DI BANK SULSELBAR CABANG SYARIAH MAKASSAR cakra cakra; Haslinda Haslinda
Islamic Banking and Finance Vol 1, No 1 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v1i1.2998

Abstract

Abstract This research discusses aboutsettlement of non-performing financing using the restructuring method and the procedure for granting a restructuring policy for mudrabah contract financing provided by the bank of sulselbar to defaulted customers. The type of research conducted by the researcher is classified as qualitative descriptive with a phenomenological approach. The resources in the research are the leadership of the Islamic Bank Sulselbar along with the front liners as the credit analysis team. With data collection methods in the form of interviews, documentation and several institutional references. Data management and analysis techniques were carried out by in-depth interviews with informants. After doing the research, the writer made the results of the interview by playing back the interview recording and then rewriting the words that matched what was in the recording. After the researchers wrote the results of the interviews, the researchers then made data reduction by way of abstraction, namely taking data that was in accordance with the research context and ignoring data that were not needed. The results show that the problem financing settlement model at the Islamic Bank Sulselbar uses 3 stages, namely financing restructuring, subrogation or guarantor institutions as well as litigation and guarantee execution which are carried out persuasively to customers while still based on applicable regulations. With the procedure for providing a restructuring policy for mudharabah contract financing, it refers to BI regulations as the central bank and still follows the company operating standards (SOP) run by the Islamic Bank of South Sulawesi. Key words: Financing Restructuring, Mudharabah Agreement, BI and OJK
PENGARUH PEMBERIAN KREDIT USAHA RAKYAT (KUR) PT BANK RAKYAT INDONESIA,TBK (PERSERO) UNIT PALAKKA TERHADAP PENINGKATAN PENDAPATAN EKONOMI USAHA MIKRO KECIL (UMK) DI KOTA WATAMPONE Marniati Syam; Ria Musfira
Islamic Banking and Finance Vol 1, No 1 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v1i1.3014

Abstract

ABSTRACTThis study aims to determine the positive and significant effect of People's Business Credit (KUR) of PT Bank BRI Palakka Unit on increasing the income of Micro and Small Enterprises (UMK) in Watampone City. The population in this study were all customers who borrowed People's Business Credit (KUR) from PT Bank BRI Palakka Unit. Determination of the number of samples using the Slovin technique of 66 samples. Data were analyzed using simple regression. The results of the study concluded that People's Business Credit (KUR) had a positive and significant effect on increasing Micro and Small Business Income (UMK) in Watampone City. Based on the research findings, in this study the capital factor makes a major contribution in increasing business income, so it is hoped that related parties will facilitate capital for business actors.
ANALISIS URGENSI PRINSIP 5C (CHARACTER, CAPACITY, CAPITAL, COLLATERAL, CONDITION) DALAM MEMINIMALISIR RISIKO PEMBIAYAAN (STUDI PADA BMT AS’ADIYAH SENGKANG) Jumarni Jumarni; Lilis Sariani
Islamic Banking and Finance Vol 1, No 1 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v1i1.3004

Abstract

ABSTRACTThe implementation of the 5C principles in financial institutions is often not carried out optimally, one of the contributing factors is the existence of targets that must be achieved and the urgent needs of customers so that they take various ways so that their financing applications are accepted. So in this case the author conducted research on the analysis of the urgency of the 5C principle (character, capacity, capital, collateral, condition) in minimizing financing risk. The type of research used is field research using a qualitative approach, where the data collected is in the form of data from interviews, observations, and documentation. And the data analysis technique used is descriptive data analysis.The results of this study indicate that the 5C principle is very important in assessing the financing feasibility of a prospective customer because the 5C principle has an impact on the success of a financing. The implementation of the 5C principles has been carried out well but risks still exist, both risks originating from customers and unexpected risks.  Keywords: 5C principle, financing risk.

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