scholarly journals Akad Musyarakah Dalam Pembiayaan Perdagangan Dan Pertanian Di Lembaga Keuangan Mikro Agribisnis (LKMA) Syariah Barokah

2020 ◽  
Vol 7 (2) ◽  
pp. 193-204
Author(s):  
Mas'ut Mas'ut ◽  
Soim Soim
Keyword(s):  
Profit Sharing ◽  
Islamic Banking ◽  
Fixed Income ◽  
Short Term ◽  
Business Partners ◽  
Development Of Partnership

Partnership-based products with profit sharing such as Musharaka as the competitive superior product of Islamic banking have not experienced growth like other products. The lack of development of partnership-based products in Islamic banking that is more flexible in terms of term, especially long-term financing, causes Islamic banking to have more of its products based on fixed income financing which is similar to the conventional pattern which uses a fixed income structure and tends to be short term. and medium. At LKMA Syariah Barokah, it has a superior product, namely musyarakah. Musyarakah is a profit sharing contract when two or more entrepreneurs holding funds / capital work together as business partners, financing new or existing business investments. Business partners who own capital are entitled to participate in company management, but it is not mandatory. The parties can divide the work of managing the business according to their agreement and can also ask for salaries / wages for the labor and expertise they devote to the business

scholarly journals ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PEMBIAYAAN BANK SYARIAH UNTUK SEKTOR PERIKANAN DI INDONESIA

2020 ◽  
Vol 7 (4) ◽  
pp. 757
Author(s):  
Nur Laili ◽  
Hendri Tanjung
Keyword(s):  
Monetary Policy ◽  
Significant Role ◽  
Banking Industry ◽  
Islamic Banking ◽  
Short Term ◽  
Financial Access ◽  
Data Source

The development of the fisheries sector in Indonesia should get more attention, especially in efforts to increase fishing businesses, limited financial access is still a problem that must be faced by the fisheries sector. Thus, Islamic banking can play a significant role in providing financing for the development of national fisheries. This study analyzes the factors that influence fisheries financing in Islamic banking in Indonesia and how efforts to increase fisheries sector financing. The processed data source is the monthly statistics of the Islamic banking industry from October 2014 to May 2019, and the method of analysis of this study uses VAR / VECM. The results showed that the NPF and PUAS affect fishery financing in the short term negatively and significantly. Whereas in the long term INF, NPF, PUAS, and ISBIS negatively affect fishery financing, as for CAR, and FDR affects fishery financing positively. Furthermore, SBK, and MRP do not affect fishery financing, both short-term and long-term. This study recommends an increase in the proportion of fishery financing along with an increase in Islamic banking capital, increased monitoring of fishery financing, and strengthening of national monetary policy instruments.Keywords: fisheries financing, Islamic banking, VAR/VECM

scholarly journals Solution for Islamic Banks Exploitation: A Criticism of Fixed-Yields Based Financing in Indonesia

2020 ◽  
Vol 4 (1) ◽  
pp. 48
Author(s):  
Muhamad Nafik Hadi Ryandono
Keyword(s):  
Analytical Approach ◽  
Profit Sharing ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Fixed Income ◽  
Operational Cost ◽  
For Profit ◽  
Operational Costs ◽  
Islamic Economic ◽  
Bank System

The profit-sharing system is the main characteristic of Islamic banking that distinguishes them from conventional (ribawi) banking. However, in reality, the profit-sharing contract is rarely implemented in Islamic banking. As a result, Islamic banking is still identified as ribawi banking. Many Islamic economists have examined the reasons behind fixed income contracts, especially murabahah contract that applied predominantly, structurally, systematically and massively compared to the profit-sharing contract. Therefore, with a critical analytical approach, this study aims to dismantle and look for solution towards exploitation of fixed income-based financing in Indonesian sharia banking. The results of this study are fixed income-based financing should be applied limited to covering the operational costs of Islamic banks but the remainder must be channelled based on profit-sharing systems. Meanwhile, funding for profit-sharing systems is intended to gain profits and cover the operational cost variables. Thus, predatory exploitation of Islamic banks in Indonesia can be minimized by maintaining the composition of the maximum financing about forty per cent which is a fixed-yield based and leave the rest to a profit-sharing system. Then, the more equitable Islamic bank system and Islamic economic goals will be created and offer benefits such as the achieving of the objectives of Islamic sharia (maqashid shariah) and minimizing the image of Islamic banks as ribawi bank.

scholarly journals An Empirical Analysis of Islamic Banking (IBs) Contribution to Indonesia’s Inclusive Growth

2021 ◽  
Vol 4 (SI) ◽  
Author(s):  
Muhammad Yusuf Ibrahim ◽  
Indra Indra
Keyword(s):  
Error Correction ◽  
Statistical Data ◽  
Descriptive Analysis ◽  
Islamic Banking ◽  
Inclusive Growth ◽  
Short Term ◽  
Correction Model ◽  
Distributed Lag ◽  
Autoregressive Distributed Lag

The research is aim to attest and assess empirically the contribution of Islamic banking (IBs) on the inclusive growth in Indonesia. By taking a trial-stage method i.e. descriptive analysis to elaborate a statistical data, autoregressive distributed lag (ARDL) model to assess empirically the contribution in a long-term, and error correction model (ECM) to assess the contribution in a short-term empirically. The findings are, total deposits and total financing only contribute positively significant into GDP and gini ratio in a long-term, that similiar with the previous study. Then, a total financing contribute negatively to all indicators of inclusive growth in a long-term, but, its only significance on GDP and gini ratio. Means, it was contribute significantly to all indicators in a short-term.

scholarly journals Analysis of Factors Affecting Islamic Bank Financing for the Fisheries Sector in Indonesia

2019 ◽  
Vol 4 (2) ◽  
pp. 568-583
Author(s):  
Nur Laili ◽  
Hendri Tanjung
Keyword(s):  
Monetary Policy ◽  
Significant Role ◽  
Banking Industry ◽  
Policy Instruments ◽  
Islamic Banking ◽  
Short Term ◽  
Factors Affecting ◽  
Bank Financing ◽  
Data Source

The development of the fisheries sector in Indonesia should get more attention, especially in efforts to increase fishing businesses, limited financial access is still a problem that must be faced by the fisheries sector. Thus, Islamic banking can play a significant role in providing financing for the development of national fisheries. This study analyzes the factors that influence fisheries financing in Islamic banking in Indonesia and how efforts to increase fisheries sector financing. The processed data source is the monthly statistics of the Islamic banking industry from October 2014 to May 2019, and the method of analysis of this study uses VAR / VECM. The results showed that the NPF and PUAS affect fishery financing in the short term negatively and significantly. Whereas in the long term INF, NPF, PUAS, and ISBIS negatively affect fishery financing, as for CAR, and FDR affects fishery financing positively. Furthermore, SBK, and MRP do not affect fishery financing, both short-term and long-term. This study recommends an increase in the proportion of fishery financing along with an increase in Islamic banking capital, increased monitoring of fishery financing, and strengthening of national monetary policy instruments.

scholarly journals PENGARUH NPF, BOPO, GDP DAN SBIS TERHADAP PERTUMBUHAN ASET PERBANKAN SYARIAH DI INDONESIA

Media Ekonomi ◽  
2019 ◽  
Vol 27 (1) ◽  
pp. 9
Author(s):  
Nadhiera Ahya Dhiba ◽  
Lavlimatria Esya
Keyword(s):  
Significant Relationship ◽  
Operating Cost ◽  
Secondary Data ◽  
Islamic Banking ◽  
Short Term ◽  
Operating Income ◽  
Long Run ◽  
Short And Long Term ◽  
Long Term Behavior

<em>This study aims to analyze the factors that influence the growth of Islamic banking assets in Indonesia in the short and long term. <em>This study uses monthly secondary data from 2012 to 2016. The analytical model used is the Error Correction Model (ECM). The advantages of this model can explain short-term and long-term behavior. <em>The results showed the Non-Performing Financing (NPF) variable in the short term had a negative and significant relationship while in the long run it had a negative and not significant relationship to the growth of Islamic banking assets in Indonesia. The Gross Domestic Product (GDP) variable in the short and long term has a positive and not significant relationship to the growth of Islamic banking assets in Indonesia. Operating Cost Variable to Operating Income (BOPO) in the short and long term has a positive and not significant relationship to the growth of Islamic banking assets in Indonesia. Indonesian Islamic Bank Certificate Variables (SBIS) in the short term have a positive and significant relationship while in the long run have a positive and not significant relationship to the growth of Islamic banking assets in Indonesia.</em></em></em>

Next Generation B2B Commerce Using Software Agents

2011 ◽  
pp. 2177-2199
Author(s):  
Kaushal Chari ◽  
Saravanan Seshadri
Keyword(s):  
Information Technology ◽  
21St Century ◽  
Enterprise Systems ◽  
It Infrastructure ◽  
Next Generation ◽  
Short Term ◽  
Business Partners ◽  
Market Opportunities ◽  
Business To Business

Enterprises in the 21st century are striving to be agile in order to take advantage of the transient market opportunities. Enterprises are engaging in business-to-business (B2B) commerce with business partners by entering into short-term as well as long-term business arrangements using various technologies such as electronic exchanges. In order for the enterprises to be successful in their business endeavors, a key requirement is that the underlying information technology (IT) infrastructure in enterprises be intelligent and flexible enough to adapt to various changes in the market opportunities quickly. In this chapter, we first examine the information technology (IT) infrastructure requirements for intelligent enterprises in supporting B2B commerce. We then review agents technology and propose an agents-based architecture to support B2B commerce. This architecture covers electronic exchanges and enterprise systems for B2B commerce. Finally, we present some workflows to show how B2B commerce can be conducted using the agents-based architecture.

scholarly journals THE ANALYSIS OF FACTORS AFFECTING THE DEVELOPMENT OF EQUITY FINANCING OF TRUSTEES BPRS AMANAH UMMAH BOGOR

2018 ◽  
Vol 5 (2) ◽  
pp. 276
Author(s):  
Eka Rahmawati Pangesti ◽  
Jaenal Effendi
Keyword(s):  
Error Correction ◽  
Financial Institutions ◽  
Profit Sharing ◽  
Short Term ◽  
Equity Financing ◽  
Correction Model ◽  
Factors Affecting ◽  
The Core ◽  
Islamic Financial Institutions

<p>Equity financing is a type of financing that is the core business in the Islamic financial institutions and a differentiator with conventional financial institutions. But until now, the total equity financing is still relatively low compared with other types of financing BPRS channeled. BPRS Amanah Ummah is one of the institution conducts equity financing.  This study aimed to analyze the influence of sharing profit, DPK, CAR, FDR, inflation, and the BI rate to equity financing at BPRS Amanah Ummah. This study uses Error Correction Model (ECM). The results showed DPK and FDR variables significantly influence the development of equity financing in the short term while variable DPK, CAR, FDR, and the BI rate significantly influence the development of equity financing in the long term however, Profit sharing rate and inflation variable does not significantly influence the development of equity financing. </p>

scholarly journals PENGARUH TINGKAT PEMBIAYAAN PERBANKAN SYARIAH, JUB DAN PDB TERHADAP SBI SYARIAH PERIODE 2003-2013 DENGAN PENDEKATAN ECM

INFERENSI ◽  
2014 ◽  
Vol 6 (2) ◽  
pp. 267
Author(s):  
Fitri Amalia
Keyword(s):  
Gross Domestic Product ◽  
Money Supply ◽  
Economic Indicators ◽  
Domestic Product ◽  
Islamic Banking ◽  
Research Use ◽  
Short Term ◽  
Independent Variable

The purpose of this research is to analyze in the short term and long term betweenthree independent variable namely: Islamic Banking Financing, Money Supply(JUB) and Gross Domestic Product (GDP) against Certificates of Bank IndonesiaSharia (SBIS), a period of 2003-2013.The data used in this research is data quarterly(per three months) of march 2003 until september 2013 which are obtainedfrom the monthly reports economic indicators of the Badan Pusat Statistik andmonthly reports macro of Bank Indonesia.This research use Error CorrectionModel approach to see the short-term and long-term relationship between theindependent variable against the dependent variable. The result showed in thelong term only variable Islamic Banking Financing affect Certificates of BankIndonesia Sharia (SBIS ).While in the short-term Certificates of Bank IndonesiaSharia (SBIS ) affected Islamic Banking Financing and Gross Domestic Product.

scholarly journals KETERKAITAN INDIKATOR MONETER SYARIAH TERHADAP PENDAPATAN DOMESTIK BRUTO

2012 ◽  
Vol 1 (1) ◽  
Author(s):  
Yunie Fitriani ◽  
Roikhan Mochamad Aziz ◽  
Fitri Amalia
Keyword(s):  
Gross Domestic Product ◽  
Error Correction ◽  
Money Supply ◽  
Islamic Banking ◽  
Short Term ◽  
Correction Model ◽  
Independent Variables ◽  
Long Run ◽  
Short Run

The purpose of this research is to analyze in the short term and long term between the four independent variables including: the financing of Islamic banking, the Jakarta Islamic Index (JII), the Islamic Bank Indonesia certificates (SBIS), and the money supply (JUB) to gross domestic product (GDP). This research uses the test to notice any indications of Granger was awarded a long-term relationship and Error Correction Model to see the existence of a short-term relationship. The result shows that in the short-run only SBIS that have a short-run relationship to GDP. In the long-run all the independent variables can explain the long-run relationship to GDPDOI: 10.15408/sjie.v1i1.2595 

scholarly journals Strengthening Agricultural Investment through Sustainable Islamic Banking

2020 ◽  
Vol 4 (2) ◽  
pp. 82-103
Author(s):  
Purbawati Setyaningsih ◽  
Acep R Jayaprawira
Keyword(s):  
Local Community ◽  
Agricultural Sector ◽  
Secondary Data ◽  
Islamic Banking ◽  
Short Term ◽  
Supply Logistics ◽  
Sustainable Advantage ◽  
Careful Handling ◽  
Management Institutions

This study analyzes how agricultural investments may strengthen the Islamic banking industry that is sustainable in the short and long term. Qualitative data sources are secondary data from BPS, Baznas, ACT Global Waqf and research on BWI in the form of secondary data from March 2007 to December 2018. Data were analyzed using the Error Correction Model (ECM) Methodology. Ziswaf have a signiicnt effect on GDP both of the long term and the short term, with the ECT coeficient was - 1.81E-07 meaning that there are increasing GDP will be adjusted within one (1) year with the residual speed of the balance value of - 181 percent. In the long term, the GDP have inluented simultaneously by all independent variables with affected positively by Exports-Agi, PMDN and Ziswaf signiicantly; and it have inluenced negatively by Export signiicantly at the R-square level of 0.98 meaning that the variables are tested to provide almost all the information needed to predict the GDP. Export-Agi was the most inluence with a value of coeficient variable 44.875570. While in the short term, GDP was signiicantly inluenced by Ziswaf on R-square 0.26 which means that there have 74 per cent of other variables outside the model that affect GDP.  The selection of competitive plants in the zakat distribution program and the use of idle waqaf land is very important to be considered by institutions / individuals who are interested in PMDN investment in the agricultural sector and ziswaf management institutions. Every land and sea have the blessing and the competitive power of its own and its utilization as well as possible considering the state of the local community as a major source of labor, without neglecting the environmentaspartof sustainabledevelopment goals.Asmart-small- microinanc can be synergized with ziswaf as a step to strengthen the technical and managerial mustahik. Cash waqf can also be used as an instrument for the development of further capital. Economic growth is accompanied by sustainability is the best choice, the chance alignment of a sustainable Islamic inancial investment can be expanded globally in scope and impact. Islamic inancial transactions can be retained should provide investment categories permitted by religion (halal) and did well to supply logistics either through A-PLS or sukuk using the inancing agreements like salam, muzara'ah, and mugharasah; irrigation infrastructure for areas prone to lack of water with Musaqa or Istishna inancing. Careful handling prior to harvest, post - harvest handling of agricultural products and halal food processing industry is part of the growing Islamic Bankings sustainable advantage.

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