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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 25 Documents
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STRATEGI PENGEMBANGAN PRODUK PEMBIAYAAN SYARIAH KSPPS TERHADAP PENINGKATAN DAYA SAING DI KOPERASI BAKTI HURIA CABANG BONE widya Pematasari; Rahma Hidayati Darwis
Islamic Banking and Finance Vol 2, No 2 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v2i2.3792

Abstract

This study discusses the strategy of developing sharia financing products for savings and loans cooperatives on sharia financing towards increasing competitiveness (KSPPS). KSPPS in performing its function is to collect, manage and distribute and distribute funds. The method used in this study is qualitative research as for the influence in the background with interview and documentation methods. The results of this study show that, the Sharia financing product system with a mudhārabah contract at the KSPPS Bakti Huria Bone Branch Cooperative, the existing financing is financing used to help the community which is carried out in the form of deposits and loans by making contracts in accordance with sharia principles. The level of competitiveness in the KSPPS Bakti Huria Bone Branch Cooperative must be gradual, meaning that the increase in competitiveness begins with efforts to win the competition. To find out the various conditions of competitiveness of cooperatives, a form of continuous development is needed, in order to improve the standard of living for cooperatives in the community. the strategy of increasing competitiveness in the KSPPS Bakti Huria Bone Branch Cooperative is through approaches, services and strategies for members of the KSPPS Bakti Huria Bone Branch Cooperative by conducting its payment system via online, namely through an application (member) and it does not stop there also the KSPPS Bakti Huria Bone Branch Cooperative teaches its members how to manage the money lent to members and assist in the business process.
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.
DIVERSIFIKASI PRODUK MURABAHAH DALAM MENINGKATKAN KEUNGGULAN KOMPETITIF PADA KSPPS GUMARANG AKBAR SYARIAH MATARAM Fenti Fifi Yanti; Agus Mahmud; Nurul Susianti
Islamic Banking and Finance Vol 3, No 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v3i1.5213

Abstract

This study aims to see the diversification carried out by KSPSS Gumarang Akbar Syariah Mataram in increasing customers or prospective members and increasing competitive advantage. Diversification in the form of product diversification aimed at meeting market needs and maintaining excellence in the midst of intense competition. Based on the results of the study, it shows that the diversification of Murabahah Products is in the form of Murabahah Bil Wakalah Products. The difference in terms of the margin obtained from Murabahah Bil Wakalah products is 1.3%, while for Murabahah financing it is 1.5%. Judging from the data on the significant increase in the number of customers from the use of Murabahah contracts as many as 84, 102 and 120 customers in 2019-2021, accompanied by innovations carried out, the number of customers using innovative products was 112,117,143 customers/members in 2019-2021. This is a promising opportunity to increase the advantages of KSPPS Gumarang Akbar Syariah Mataram.
PENGARUH PRODUK DOMESTIK REGIONAL BRUTO(PDRB) DAN JUMLAH PENDUDUK TERHADAP SEKTOR PERTANIAN DI KABUPATEN BONE PADA TAHUN 2010-2020 Nana Dwi Anggadita; Haslindah Haslindah
Islamic Banking and Finance Vol 2, No 1 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v2i1.3784

Abstract

Regional economic growth is measured by the development of Gross Regional Domestic Product (GRDP), which is basically the gross added value of goods and services generated from various economic activities. This study aims to describe the effect of Gross Regional Domestic Product (GRDP) and population on the agricultural sector in Bone Regency for the 2010-2020 period. The analysis method used is multiple linear regression, with the method of collecting documentation data. The type of data used in this study is secondary data obtained through the Official BPS website of Bone Regency. The results of this study show that 1) Gross Regional Domestic Product (GRDP) has no effect on the agricultural sector can be seen from the results of the t test which shows that the significant value produced is 0.059 0.05 so that Ho's potesis is received. 2) The number of people has no effect on the agricultural sector can be seen from the results of the t test which proves that the significant value is high which is 0.146 0.05 so that Ho is accepted. 3) Gross Regional Domestic Product (GRDP) and population have a one-way effect on the agricultural sector can be seen from the results of the F test which proved a significant value of 0.49 and the F result of 3.838 F table 3.41.
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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