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All Journal Dinar: Jurnal Ekonomi dan Keuangan Islam Jurnal Ilmiah Ekonomi Islam Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Islamic Review : Jurnal Riset dan Kajian Keislaman Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Tasharruf: Journal Economics and Business of Islam Al-Azhar Journal of Islamic Economics AL-ARBAH: Journal of Islamic Finance and Banking Journal of Islamic Economics and Philanthropy AL-FALAH : Journal of Islamic Economics Al-Buhuts (e-journal) Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan Kunuz: Journal of Islamic Banking and Finance Journal of Indonesian Sharia Economics Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Jurnal Hukum Ekonomi Syariah : AICONOMIA Hikmayo: Jurnal Pengabdian Masyarakat Journal of Aswaja and Islamic Economics Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman

Trimulato Trimulato

Universitas Islam Negeri Alauddin Makassar

Author-ID : 2441215

Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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The Role Sharia Fintech Support Sustanaible Development Goals Program (SDGs) Trimulato Trimulato; M. Cholil Nafis; Euis Amalia
Jurnal Ilmiah Ekonomi Islam Vol 8, No 1 (2022): JIEI : Vol. 8, No. 1, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i1.3911

Abstract Islamic finance products are increasingly varied, including the presence of shariah fintech. The development of sharia fintech has a role in supporting the Sustainable Development Goals (SDGs. This study aims to determine the development of sharia fintech, and to determine the role sharia fintech in supporting the SDGs program. This type of research is literature study with the nature of the research is qualitative. This study uses descriptive qualitative data analysis techniques. The results of this study indicate the development sharia fintech assets in December 2020 amounting to 74,677,072,107, growing to reach 47.53 percent, with the number of sharia fintech lending actors 10. Types of sharia fintech are peer to peer landing (P2P), payment instruments, and crowdfunding. Sharia fintech has a role in supporting the SGDS program on several objectives, especially related to the economy, such as decent work and economic growth, poverty reduction, hunger reduction, and the realization of prosperity.

The Role Of Sharia Banking To Recover SMEs During Covid-19 Pandemic Trimulato Trimulato
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v9i1.3851

Abstrak Tujuan penelitian untuk mengetahui perkembangan pembiayaan perbankan syariah bagi UMKM ditengah Covid-19 dan peran perbankan syariah dalam memulihkan UMKM selama pandemic. Jenis penelitian studi pustaka, menggunakan data sekunder, kemudian diolah oleh peneliti. Teknik analisis data yang digunakan dalam penelitian ini adalah deskriptif kualitatif, mendeskripsikan perkembangan pembiayaan perbankan syariah serta peran perbankan syariah bagi pemulihan UMKM di tengah wabah Covid-19. Hasil penelitian menunjukkan perkembangan pembiayaan di perbankan syariah yang disalurkan untuk UMKM selama pandemi Covid-19 mengalami penurunan. Penurunan pembiayaan terbesar terjadi pada pembiayaan BPRS untuk UMKM yang mengalami penurunan sebesar 14,88 persen, pembiayaan BUS untuk UMKM mengalami penurunan sebesar 14,17 persen, dan pembiayaan UUS mengalami penurunan sebesar 13,47 persen. Peran perbankan syariah bagi pemulihan UMKM di tengah pandemi covid-19 adalah meningkatkan porsi pembiayaan UMKM, mendampingi mereka para pelaku sebagai mitra, perbankan syariah dapat memberikan keringanan pembayaran, meningkatkan jumlah pembiayaan skema bagi hasil yang lebih tepat untuk pembiayaan UMKM. Abstract The purpose study to determine development sharia banking financing for SMEs during covid-19 pandemic. Then to find role sharia banking recover SMEs during covid-19 pandemic. Type research used library research, data source used secondary data, which has published institutions processed researchers and from various pre-existing sources. Data analysis technique used research descriptive qualitative, describing development financing sharia banking and role of sharia banking for recovery SMEs during covid-19 pandemic. Results showed development of financing in sharia banking was distributed SMEs during covid-19 pandemic experienced decrease amount of financing. Largest decline in financing occurred in BPRS financing for SMEs, which experienced decline of 14.88 percent, BUS financing investment SMEs decrease 14.17 percent, and UUS financing decrease 13.47 percent. Role sharia banking recovery SMEs during covid-19 pandemic is increasing portion financing SMEs, assisting them players as partners, sharia banking can provide payment, increasing number financing profit-sharing schemes more appropriate for financing SMEs.

Fintech for Sharia Micro Finance Institution: Qualitative Analysis toward Utilization of Financial Technology in BPRS and BMT Trimulato Trimulato
AL-FALAH : Journal of Islamic Economics Vol 4, No 2 (2019)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v4i2.917

Purpose:The articles aims to highlight the pattern of existing financial technology utilized by BPRS and BMT. Besides studying the pattern of Fintech, the article also effors to describe the growth of sharia micro financials--BPRS and BMT, as a main product of applied-FintechDesign/Methodology/Approach: Qualitative used consistenly as approach. To support that approach, analitical interpretation used to understand data.Findings: The results of this paper indicate that BPRS experienced good growth. Third Party Funds grew by 19.144% and financing grew by 14.862%, while the number of offices decreased by 0.222%. The BMT experienced 72.418 percent of receivables growth, 52.885 percent financing, and assets and placements grew below 40 percent. The pattern of financial technologhy (fintech) is very good for the development of sharia micro financial institutions such as BMT and BPRS. All existing fintech forms can be applied, such as crowfunding, peer to peer, payment and BMT and BPRS can serve as an intermediary for people who want to invest in sharia-compliant instruments/bussiness.Originality/Value: A set of novelty that can be stated from the article is that the study succesfully indentifacated in which the Fintech can be applied extensively in large typical financialmacro and micro financial industries.

RECOVERY OF MICRO FINANCING FOR WOMEN AT BANK BTPN SYARIAH DURING COVID-19 Trimulato Trimulato
Tasharruf: Journal Economics and Business of Islam Vol 6, No 2 (2021): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v6i2.1629

The purpose of this research is to savvy the development of distribution productive financing for women’s economic enterprises at Bank BTPN Syariah and to describe the form of recovery conducted by Bank BTPN Syariah for women’s economic due to the impact of covid-19. This research is library research, using several sources that are considered relevant to the research theme. The research is qualitative describing the financing for women’s empowerment. Analysis technique in this research is descriptive qualitative by describing development financing at Bank BTPN Syariah during Covid-19, and describing patterns restoring women’s economic empowerment by bank BTPN Syariah. The results of this study indicate a decline in financing at Bank BTPN Syariah period March 2020 to August 2020. Murabahah transaction has decreased to 22.16 percent, musharakahhas decreased to 55.82 percent, and qard has decreased to 3.90 percent. The recovery strategy for women’s economic, conducted by Bank BTPN Syariah in the midst of covid-19 is to provide financing relief to SMEs customers, restructuring, good communication with customers, training for customers, and improving digital services. Bank BTPN Syariah customers affected by the pandemic, that is why efforts are made to fulfil customer needs, and bank performance returns to be better.

Pengembangan Program Studi Perbankan Syariah Berbasis Integrasi Peran Perbankan Syariah Pengembangan Sektor Riil UMKM Sudirman Sudirman; Trimulato Trimulato; Kamaruddin Kamaruddin; Iryani Iryani
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Sharia banking are interested in getting involved channeling financing to the real sector of SMEs, including Bank BNI Syariah Makassar and Bank Panin Dubai Syariah Makassar. The purpose of this study is to determine the development of SMEs financing provided by sharia banking. Then to find out the role of sharia banking for the distribution financing for SMEs in the city of Makassar. As well as to find out the form of integration of the development of the department of sharia banking UIN Alauddin Makassar, through the distribution of financing for SMEs in sharia banking institution. This type of research is a field research, by taking data directly. The nature of the research is qualitative. The data source uses primary data and secondary data related to the research theme. The data analysis technique used in this research is qualitative descriptive, which describes the objects in the study. The results of this study indicate the development of the distribution of financing in sharia banking reaching 15.93 percent. Then Bank BNI Syariah and Bank Panin Dubai Syariah Makassar channeled financing to SMEs sector, reaching 20 percent. The form of integration in the development of departement sharia banking is by presenting courses on object management of financing sharia banking and courses on SMEs business.Keywords: Sharia banking, SMEs, and Departement of Sharia Banking UIN Alauddin Makassar

Integrasi Perbankan Syariah dan Fintech Syariah Pengembangan UMKM Kamaruddin; Nasrullah Bin Sapa; Hasbiullah Hasbiullah; Trimulato Trimulato
Al-Buhuts Vol. 17 No. 2 (2021): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

The research objective is to describe the development of Islamic bank financing for SMEs, the development of sharia fintech, and the form of integration between sharia banking and the development of sharia fintech for the development of SMEs. The research method used is qualitative, related to sharia bank financing. Field research on two sharia bankings in the city of Makassar. Primary data sources through direct interviews, and secondary data from data presented from the financial services authority (OJK). Data collection techniques through interviews, documentation, and literature studies from several sources. The data analysis technique used is descriptive qualitative, by describing the development of sharia banking financing product to SMEs sector, the development of sharia fintech, and the form of integration of sharia banking and sharia fintech in the development of SMEs. The results of this study show that the development of sharia banking financing product in 2019 until the 2020 market grew by 15.93 percent, for sharia banking the type of Islamic Financing Bank (BPRS) grew 4.57 percent, while Islamic banks with the type of Sharia Business Unit (UUS) for financing trips for SMEs decreased -2.7 percent. The development of Sharia Fintech, a peer-to-peer (P2P) lending type of fintech. The number of borrower accounts increased by 325.95 percent, the number of borrower accounts in December 2019 was 18,569,123, and the number of guarantors increased by 258.56 percent with the number of loans in December 2019 of IDR 81.50 trillion. There are 12 registered sharia fintech companies. The total assets of Islamic fintech are 50,591,727,786 rupiahs. Integration between Islamic Banks and Sharia Fintech in developing SMEs needs to be carried out, to increase financial access to the public. The form of integration that can be carried out between Islamic banks and Islamic fintech is a profit-sharing scheme, which can carry out mudharabah or musyarakah contracts. SMEs may need easy access to technology services. Integration in the form of collaboration to empower SMEs.

Membangun Kreativitas dan Literasi Keuangan di Masa Pandemi Covid-19 Trimulato Trimulato; Nasrullah Bin Sapa; Samsul Samsul; Supriadi Supriadi; Muhlis Muhlis; Asyraf Mustamin; St Hafsah Umar; Rizki Rahim
Jurnal Pengabdian Masyarakat: Pemberdayaan, Inovasi dan Perubahan Vol 1, No 1 (2021): JPM: Pemberdayaan, Inovasi dan Perubahan
Publisher : Penerbit Widina, Widina Media Utama

Kegiatan pengabdian masyarakat merupakan bagian dari Tridharma perguruan tinggi yang harus dilaksanakan. Semenjak kemunculan wabah pandemi covid-19 mengakibatkan banyak kegiatan sedikit berkurang, dan sangat terbatas. Dalam kondisi seperti ini produktifitas tetap harus dilaksanakan, banyak membutuhkan kegiatan untuk kegiatan tetap berjalan di masyarakat. Tujuan dari kegiatan ini untuk meningkatkan literasi keuangan syariah masyarakat. Kemudian untuk meningkatkan kreatifitas di masa pandemic, serta kegiatan sosial untuk masyarakat. Kegiatan ini melalui beberapa tahapan, peninjauan lokasi kegiatan, pengajuan izin kegiatan, penyusunan kegiatan, sampai dengan pelaksanaan kegiatan. Hasil kegiatan ini diharapkan dapatkan meningkatkan literasi keuangan syariah di tengah masyarakat di desa binaan kampung Amanah kota Makassar. Hadirnya barang dari hasil krativitas, serta kegiatan charity berbagai kegiatan untuk masyarakat.

Risiko Perkembangan Teknologi Perbankan Syariah Era Millenial Muhlis Masin; Asyraf Mustamin; Farid Fajrin; Supriadi Supriadi; Trisno Wardy Putra; Trimulato Trimulato
Al-Azhar Journal of Islamic Economics VOLUME 4 NOMOR 1, JANUARI 2022
Publisher : Sekolah Tinggi Agama Islam (STAI) Al-Azhar Gowa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37146/ajie.v4i1.148

The risk that have been faced by sharia financial institution is not merely about financial issue but also non-financial. Hence, it is considered as an urgency to be able to implement the risk management in order to conduct the hedging strategy in sharia financial institution, and also to anticipate and ready for further action needed in facing some irrelevant situations which are not according with the expectations and the objectives of the institution. This writing aims to assess the risk management in identifying and in managing of that. However, because of the complexity of the risk encountered both in financial and non-financial issue; such as operational risk of the use of modern technology services which does increasingly pamper the current millennial clients and that prone to cyber-security threat and thus needs protection. Also economic uncertainty with the state of pandemic covid 19.

THE ROLE OF ISLAMIC ECONOMIC INSTITUTIONS TO RECOVER REAL SECTOR OF SMEs During COVID-19 Pandemic Trimulato Trimulato
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol 6, No 1 (2021): June 2021
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v6i1.2653

Islamic economics prioritizes the real sector including SMEs, and makes Islamic Economic institutions as supporters and drivers of the real sector. The market share of sharia financial has reached 8.5 percent, and will continue to grow and develop. Since the emergence of the corona virus outbreak, it has eroded and slowed down economic activity, including in the SMEs sector. SMEs are among the ones that have been significantly affected by the corona virus. To restore the economic activities of SMEs, the Islamic Economic Institutions have role to be able to restore the economic activities of SMEs. The purpose of this study is to determine the development of Islamic economic institutions, and to determine the role of Islamic economic institutions in restoring SMEs in the midst of the Covid-19 outbreak. This type of research is library research with qualitative characteristics. Sources of data in this research are secondary data sourced from several institutions that have been presented. The limitation in this study is only for a few Islamic economic institutions related to SMEs. The data analysis technique used in this research is descriptive qualitative. Describing the object of research on the development of Islamic economic institutions and the role of Islamic economic institutions to recover the real sector of SMEs is included in analysis technique. The results of this study indicate the development of Islamic economic institutions. Sharia Financing Banking (BPRS) grew by 349.34 for income, Sharia Microfinance Institutions (LKMS) grew by 11.75 percent for financing, Sharia Peer To Peer Landing (P2P) institutions experienced a decrease in assets by 0.05 percent, and Social institutions, the growth of social fund collection was 48.08 percent at Insisatif Zakat Indonesia (IZI), and the growth in distribution of social funds by 114.27 percent Badan Amil Zakat Nasional (BAZNAS). The role of Islamic economic institutions in the recovery of the real sector of SMEs in the midst of the Covid-19 outbreak, namely optimizing finance for SMEs, assisting financing customers, providing relief for affected customers, participating in marketing customer products online, maximizing profit sharing system, strengthening of partnerships, and maximizing the distribution of social funds for SMEs economic activities.

Pengembangan UMKM Melalui Fintech Syariah di Tengah Wabah Covid-19 Trimulato Trimulato
Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Vol 6, No 2 (2020): Jurnal al-Iqtishadiyah
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

The impact of the Covid-19 outbreak made some business activities experienced retarding. It is required that other institutions can support the development of SMES amid the Covid-19 outbreak, one of which is the sharia fintech. The purpose of this research is to know the development of Sharia fintech and to know the pattern of development of SMES through Sharia fintech. This research is a library research, which is by taking some previously presented sources related to sharia and SMEs. The nature of the research is qualitative with the secondary data source of pre-existing data. This research data analysis technique is qualitative descriptive, by describing the development of Sharia fintech and the development pattern of SMEs through Sharia fintech. The results showed that the current Sharia fintech assets reached 50.591.727.786 rupiah, or experienced a growth of 8.32 percent compared to the period of February 2020. Of the 13 sharia fintechs there are 6 Sharia fintech companies that focus on financing for SMEs. The pattern of SMEs development through sharia fintech can be done by adding the role of fintech, not merely giving from finance but also can be a companion in business development in particular about the marketing products of SMEs. Sharia fintech can facilitate space to sell products through online by using the marketplace and websait owned by Sharia fintech. Dampak dari wabah covid-19 membuat beberapa kegiatan bisnis mengalami perlambatan. Diperlukan lembaga lain yang dapat mendukung perkembangan UMKM di tengah wabah covid-19, salah satunya adalah fintech syariah. Tujuan dari penelitian ini adalah untuk mengetahui perkembangan dari fintech syariah dan mengetahui pola pengembangan UMKM melalui fintech syariah. Penelitian ini adalah penelitian studi pustaka, yaitu dengan mengambil beberapa sumber yang telah disajikan sebelumnya terkait fintech syariah dan UMKM. Sifat penelitian yaitu kualitatif dengan sumber data sekunder dari data-data yang telah ada sebelumnya. Teknik analisis data penelitian ini deskriptif kualitatif, dengan menguraikan perkembangan dari fintech syariah dan pola pengembangan UMKM melalui fintech syariah. Hasil penelitian menunjukkan bahwa tota aset fintech syariah saat ini mencapai 50.591.727.786 rupiah, atau mengalami pertumbuhan 8,32 persen jika dibandingkan pada periode februari 2020. Dari 13 fintech syariah ada 6 perusahaan fintech syariah yang fokus pada pembiayaan untuk UMKM. Pola pengembangan UMKM melalui fintech syariah dapat dilakukan dengan menambah peran dari lembaga fintech, tidak sekedar memberikan dari keuangan tetapi juga dapat menjadi pendamping dalam pengembangan bisnis khususnya tentang pemasaran produk UMKM. Fintech syariah dapat memfasilitasi ruang untuk menjual produk melalui online dengan memafaatkan marketplace dan websait yang dimiliki fintech syariah.

Co-Authors Anak Agung Istri Sri Wiadnyani Andi Sadapotto Anita Sukawati Asyraf Mustamin Asyraf Mustamin Atikah Widhiana Putri Euis Amalia Farid Fajrin Hargiani, Fransisca Xaveria Hasbiullah Hasbiullah Iryani Iryani Ismail Halim Ismawati Ismawati Kamaruddin Kamaruddin Kamaruddin Lismawati Lismawati M. Cholil Nafis Mega Oktaviany Muhammad Kharis Tambusa Muhlis Masin Muhlis Muhlis Nasrullah Bin Sapa Nuringsih Nuringsih Nursyamsu Nursyamsu Rizki Rahim Samsul Samsul St Hafsah Umar Sudirman Sudirman Trisno Wardy Putra yulianti yulianti

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