Indonesia is an archipelago with two-thirds of its territory in the form of oceans and coastal areas which support abouttwo million fishermen.Despite having an enormous potential of fisheries, but most of the fishermen are poor and have minimal access to basic social services, including the affordable of financial services. Likewisein Puger Sub-District, Jember Regency, East...Read More

Privatization is one of the government’s programsin restructuring State-Owned Enterprises (SOEs). Other than restructuring SOE, privatization is also source of state budget funds (APBN). By privatizing SOE, government expected healthy corporation that will contribute larger tax payments, dividend payments, and additional paid-in capital. So it is expected that SOEs are always in a healthy condition,...Read More

In spite of the momentous growth of Islamic banking, the equity-based financing, “Mudarabah”(trustee partnership), the most pioneer product of Islamic banking, is still in its infancy. It is evident from the literature that the implementation of Mudharabah based financing is very less compared to other modes of financing. Therefore, this study is conducted to investigate...Read More

Islamic bank in Indonesia in the last ten years shows a positive trend is quite impressive, the average asset growth of 30% is well above the average growth of conventional banks which only reached 15%. The other side, if the terms of its contribution to the national banking system is still very small, as indicated...Read More