GUBUK ZISWAF: SOLUSI PEMBIAYAAN HIDUP MASYARAKAT BERBASIS PEMBERDAYAAN LOKAL DI TENGAH PANDEMI COVID-19

The COVID-19 outbreak has the potential to change the economic situation which is marked by a change in the trade map, in addition to causing the cessation of various business fields, global trade performance will certainly be disrupted due to the slow improvement in manufacturing performance. On the other hand, the problem of distributing ZISWAF funds (Zakat, Infaq, Shadaqah and Waqaf) has not been evenly distributed. Therefore, Gubuk ZISWAF is proposed. The purpose of this research is to describe the concept and implementation of Gubuk ZISWAF as a solution for community living financing scheme based on local empowerment during the COVID-19 pandemic. The research method used is qualitative research with literature review approach. The result shows that the implementation technique will be carried out to realize the Gubuk ZISWAF starts from the planning stage, where is related to the formulation of policies by the government and collaboration with related parties, then continued with research and coordination between related parties and the government, development stage, socialization program, and comprehensive implementation (with a ball pick-up system). The results of the implementation of the Gubuk ZISWAF in each of these villages have had a positive impact on the Indonesian economy. In addition to suppressing the rate of poverty in the midst of a pandemic, the possibility of social crimes and the stalling of the economy as well as the spread of COVID-19 can also be prevented.

PENGARUH PEMBIAYAAN MUDHARABAH, PEMBIAYAAN MURABAHAH DAN TABUNGAN MUDHARABAH TERHADAP RETURN ON ASSETS (ROA) PADA BPR SYARIAH

The purpose of this study was to determine and analyze the effect of Mudharabah Financing, Murabahah Financing and Mudharabah Savings on Return On Assets (ROA) of Indonesian Sharia People's Financing Banks for the 2015-2020 period. The research method used is descriptive quantitative method. The data used is secondary data. In this study, the analysis used is multiple linear regression analysis, coefficient of determination and hypothesis testing. Based on the results of the analysis of this study, it can be seen that partially Mudharabah Financing has a negative and significant effect on Return On Assets, Murabaha financing has a positive and significant effect on Return On Assets and Mudharabah Savings has a positive and significant effect on Return On Assets at Indonesian Islamic People's Financing Bank for the 2015 period. -2020 and simultaneously Mudharabah Financing, Murabahah Financing and Mudharabah Savings have a significant effect on the Return On Assets (ROA) of Indonesian Sharia Rural Banks for the 2015-2020 period. It is expected that the Indonesian Islamic People's Financing Bank will further improve its performance by minimizing financing risk and increasing the amount of third party funds so that its profitability growth is maximized.

PENGARUH FDR, NPF, CAR, DAN BOPO TERHADAP ROA PADA BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS)

This study analyzes the influence Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Capital Adequacy Ratio (CAR), Operational Costs and Operating Income Against Return On Assets (ROA) BPRS in Indonesia Period from 2010-September 2017. The data used in this study is. Sampling technique used in this research is purposive sampling. The method of analysis used in this study is Multiple Regression Analysis using the computer program Eviews Software version 9 and Microsoft Excel 2013. The results in this study show that Financing to Deposit Ratio (FDR), Non Performing Finance (NPF), Capital Adequacy Ratio (CAR), and BOPO simultaneously have a significant effect on Return On Asset (ROA). Financing to Deposit Ratio (FDR), Non Performing Financing (NPF) partially do not have a significant effect on Return On Aset (ROA).

ANALISIS MODEL PENYELAMATAN PEMBIAYAAN BERKUALITAS RENDAH DAN PEMBIAYAAN BERMASALAH NASABAH TERDAMPAK COVID-19 BANK DAERAH SYARIAH

Coronavirus Disease 2019 (Covid 19) has made a serious impact on the national banking industry. Financial Services Authority (OJK) has issued a relaxation policy that is expected to suppress non-performing loans/financing in national banks. This study aims to identify and assess policies, technical models and contracts from restructuring activities for customers affected by Covid 19 at Islamic Banks towards sharia principles and banking prudential principles. This Qualitative - Empirical Research concludes that the activity of restructuring activities for customers affected by Covid 19 at PT Bank Daerah Syariah is in accordance with sharia principles and banking prudential principles, a note of improvements on the side of administrative costs and the financing restructuring contract.

ANALISIS MINAT REMAJA STABAT TERHADAP TABUNGAN MABRUR JUNIOR PADA BANK SYARIAH INDONESIA KCP STABAT

The momentum of Hajj for Muslims has its own meaning, apart from being a religious ritual in the last pillars of Islam, Hajj has a moral, spiritual, and intellectual spirit for those who perform it. So that the pilgrimage makes a significant contribution in the process of changing society for the better. The problem is how is the interest of stabat teenagers towards junior mabrur savings at Bank Syariah Indonesia KCP Stabat?. The purpose of this study was to find out how much interest the youth in Stabat had on the junior mabrur savings product at Bank Syariah Indonesia KCP Stabat and find out who influences the interest of Stabat youth. The method used is descriptive qualitative method. The data used is primary data in the form of interviews with BOSM Bank Syariah Indonesia KCP Stabat and secondary data. The results showed that parents were the driving factor for teenagers' interest in junior mabrur savings. For this reason, Bank Syariah Mandiri needs a strategy to increase youth's interest in junior mabrur savings.

PENGARUH PEMBIAYAAN MURABAHAH DAN MUDHARABAH TERHADAP LABA PADA BANK SYARIAH MANDIRI PERIODE 2012-2020

The purpose of this study is to find out and analyze how much influence partially murabahah financing has on profits, how much influence partially mudharabah financing has on profits, and also to find out how much influence murabahah and mudharabah financing have on profits simultaneously. This study uses a quantitative descriptive method with multiple linear regression analysis tools. Based on the results of the tests carried out, it shows that the murabahah financing variable has a partially significant effect on profits, the mudharabah financing variable does not have a partial effect on profits, the murabahah and mudharabah financing variables have a simultaneous effect on profits at PT. Bank Syariah Mandiri period 2012-2020. The purpose of this study is to find out and analyze how much influence partially murabahah financing has on profits, how much influence partially mudharabah financing has on profits, and also to find out how much influence murabahah and mudharabah financing have on profits simultaneously. This study uses a quantitative descriptive method with multiple linear regression analysis tools. Based on the results of the tests carried out, it shows that the murabahah financing variable has a partially significant effect on profits, the mudharabah financing variable does not have a partial effect on profits, the murabahah and mudharabah financing variables have a simultaneous effect on profits at PT. Bank Syariah Mandiri period 2012-2020.

PENGARUH FLUKTUASI HARGA EMAS DAN PROMOSI TERHADAP MINAT NASABAH DALAM PRODUK CICIL EMAS PADA PEGADAIAN SYARIAH PASAR BARU INDRAMAYU

Harga dan promosi adalah bagian penting yang tidak dapat dipisahkan dari marketing mix. Pemasaran tanpa memiliki strategi harga yang mampu bersaing, akan memberikan dampak buruk terhadap produk. Sedangkan, promosi sangat penting untuk menarik minat konsumen. Emas merupakan logam mulia yang sangat diminati oleh banyak orang dan merupakan salahsatu bentuk investasi yang minim resiko. Cara mendapatkan eams bisa dengan membeli ataupun juga dengan cicilan. Fakta di lapangan, masih banyak masyarakat yang belum mengetahui produk cicil emas. Sehingga dibutuhkan adanya kegiatan promosi khususnya di lembaga keuangan yang memiliki produk cicil emas, salah satunya adalah pegadaian. Dengan adanya kegiatan promosi maka diharapkan minat masyarakat untuk berinvestasi akan timbul dan tumbuh yang akan berdampak pada peningkatan investasi emas di masyarakat. Penelitian ini bertujuan untuk mengetahui pengaruh fluktuasi harga emas dan promosi terhadap minat nasabah. Variabel dependen pada penelitian ini adalah Minat Produk Cicil Emas. Variabel independen yakni Fluktuasi Harga Emas dan Promosi. Populasi dalam berjumlah 127 nasabah. Dengan jumlah sampel 57 nasabah. Teknik pengambilan sampel dengan menggunakan metode purposive sampling. Metode analisis yang digunakan adalah metode kuantitatif. Metode analisis data menggunakan metode uji instrument penelitian, analisis data, uji asumsi klasik, uji regresi linear berganda dan uji pengaruh individual dengan menggunakan aplikasi SPSS versi 26. Hasil dari penelitian ini menunjukan bahwa variabel fluktuasi harga emas secara parsial memiliki pengaruh positif terhadap minat nasabah. Variabel promosi secara parsial memiliki pengaruh positif terhadap minat nasabah. Secara simultan variabel fluktuasi harga emas dan promosi berpengaruh terhadap minat nasabah. Nilai kontribusi sebesar 38,8%.

ANALISIS POTENSI DAN PREFERENSI MASYARAKAT KELURAHAN SENGETI KABUPATEN MUARO JAMBI TERHADAP KEHADIRAN BANK SYARIAH

This research aims to analyze the potential and preferences of the people of Sengeti Village towards Islamic banks. Potential is projected by demographics and the economy, while preferences are projected by people's perceptions, motivations, knowledge, and attitudes. The subject of this study is the community in Sengeti Village, while the object is the potential and preferences of the community. The population was all adults, and the authors took samples from populations aged 22 to 65 and obtained informants as many as 100 people. This study showed that potential and demographic variables corresponded to people's interest in using Islamic banks. In contrast, the preference variables demonstrated from the data showed that the community positively supported the existence of Islamic banks in Sengeti Village.

Pengaruh Dana Pihak Ketiga, Inflasi dan BI Rate Terhadap Profitabilitas Bank Umum Syariah 2015-2019

Penelitian ini bertujuan untuk mengetahui pengaruh Dana Pihak Ketiga, Inflasi dan BI Rate terhadap Profitabilitas Bank umum syariah di Indonesia. Pendekatan penelitian adalah penelitian kuantitatif dengan sumber data yang digunakan berupa data sekunder. Populasi dalam penelitian ini adalah BUS yang terdaftar di Bank Indonesia yang terdapat dalam Statistik Perbankan Syariah (SPS). Kesimpulan dari penelitian ini bahwa Dana Pihak Ketiga berpengaruh siginfikan terhadap Profitabilitas, semakin besar Dana Pihak Ketiga maka semakin tinggi pula tingkat profitabilitas bank umum syariah. Variabel Inflasi tidak memilliki pengaruh yang signifikan terhadap Profitabilitas karena sistem Bank Syariah yang tidak menganut sistem bunga, sehingga uang yang dikelola tidak akan terlalu berpengaruh apabila terjadi peningkatan inflasi seperti halnya bank konvensional. Variabel BI Rate tidak berpengaruh signifikkan terhadap Profitabilitas yang artinya karena Bank syariah pelaksanaanya tidak mengacu pada tingkat suku bunga.

Pengaruh FDR, NPF dan BOPO Terhadap ROA Pada PT BNI Syariah Periode 2010-2019

Penelitian ini memiliki tujuan untuk mengetahui dan menganalisa tingkat pengaruh yang diberikan rasio pembiayaan terhadap dana pihak ketiga (FDR), pembiayaan macet (NPF) dan beban operasional per pendapatan operasional (BOPO) terhadap Return On Asset PT BNI Syariah pada periode 2010-2019. Sumber data yang digunakan dalam penelitian adalah data sekunder yang merupakan data time series, data tersebut didapatkan dari web resmi PT BNI Syariah (www.bnisyariah.co.id), dengan sampel yang terdiri dari 39 sampel, diambil dari data triwulan ke-2 tahun 2010 hingga data triwulan ke-4 tahun 2019. Peneliti menganalisa data menggunakan metode analisis regresi linier berganda menggunakan aplikasi Eviews 11, dengan hasil yang diperoleh adalah rasio FDR secara parsial tidak berpengaruh terhadap Return On Asset, begitupun dengan rasio NPF yang tidak berpengaruh terhadap Return On Asset, namun rasio BOPO secara parsial memiliki pengaruh negatif signifikan terhadap Return On Asset. Secara bersama-sama atau simultan ketiga variabel independen Financing to Deposit Ratio (FDR), Non Performing Finance (NPF) dan Beban Operasional per Pendapatan Operasional (BOPO) memiliki pengaruh signifikan terhadap Return On Asset. Penelitian ini ikut serta berkontribusi untuk khazanah keilmuan dan terapan ilmu, dimana bermanfaat untuk pihak yang bersangkutan, baik pihak Bank BNI Syariah, masyarakat sebagai nasabah, investor, pemerintah ataupun pihak akademis.