1,720,978 research outputs found
IMPLEMENTASI PELAKSANAAN RESTRUKTURISASI PEMBIAYAAN BERMASALAH DALAM UPAYA SUSTAINABLE BANKING DI BANK SYARIAH INDONESIA
Full text linkThis research aims to determine the implementation of restructuring of problematic financing and whether the implementation of restructuring can strive for sustainable banking. This research uses a descriptive method with a qualitative approach. The author collected data using observation, interviews, and documentation methods from three informants in the Marketing Division, with the research location at Bank Syariah Indonesia KCP Bekasi Square. The results of this research show that: 1. The implementation of the restructuring of problematic financing that Bank Syariah Indonesia KCP Bekasi Square has carried out is effective as a form of rescue for problematic financing customers. OJK's restructuring policy is the best step in dealing with problematic financing. 2. The implementation of restructuring to sustain banking has had a very positive impact, such as the bank's performance becoming healthy and the portfolio and customer collectibility returning to normal by integrating environmental, social and governance criteria. This restructuring implementation can support sustainable banking at Bank Syariah Indonesia KCP Bekasi Square
Analisis Manajemen Risiko Produk Pembiayaan Multijasa Pada PT. Bank Tabungan Negara Syariah
Full text linkThis research discusses the risk management analysis carried out by PT. Sharia State Savings Bank towards multi-service financing products. The method used in this study is descriptive qualitative, the data collected in this study is in the form of words, sentences or images that describe the actual situation. The author collects data through observation, interviews, and documentation to facilitate the research process. The results showed that the risks faced by PT. Sharia State Savings Bank towards multi-service financing, namely financing risks and operational risks. The application of risk management carried out by PT. Sharia State Savings Bank is by conducting an identification process by looking at 5C (Character, Capacity, Capital, Collateral, Condition Of Economy), measuring by looking at the NPF value every month, monitoring by providing daily report updates, as well as controlling with several collection processes, visits, saving financing using Reconditioning and Rescheduling, as well as conducting collateral auctions. Pt. Sharia State Savings Bank has carried out risk management of multi-service financing properly and in accordance with PBI No. 13/23/PBI/2011 concerning the Application of Risk Management for Sharia Commercial Banks and Sharia Business Units, namely a series of procedures and methodologies used to identify, measure, monitor, and control risks that arise
Kinerja Keuangan Perbankan dengan Pendekatan Risk-Based Bank Rating
Full text linkShari’a Mandiri Bank and Bukopin Bank finances have a less significant difference when viewed from total assets at the end of 2014, which is only a difference of 12.109 trillion rupiah. It indicates that both have a performance that is not much different. This study aims to determine the differences in financial performance between Shari’a Mandiri Bank and Bukopin Bank during 2010-2014 by using Risk-based Bank Rating (RBBR) approach analysis. Risk-Based Bank Rating is a financial performance approach issued by the Financial Authority for banks in Indonesia in order to conduct self assessment on possible risks based on Bank Rating (composite rating). This research is included in quantitative research using a comparative approach that is, the researchers compare the financial performance of the two Banks. Results of research There are significant differences so that H1 is accepted while H0 is rejected because, the value of t arithmetic <0,05 is equal to 0,028. Evident from the composite rating in both Banks, Bukopin Bank has a very Healthy Composite Ranking of 90% when compared with Shari’a Mandiri Bank which is equal to 73% who has a Health rating
Analisis Penerapan Prinsip-Prinsip Good Corporate Governance (GCG) di Bank BRI Syariah Pusat
Full text linkThis research is to know how to apply the principles of Good CorporateGovernance (GCG) at Bank BRISyariah Pusat, what are the obstacles faced inapplying GCG principles and how to overcome the obstacles that happened inapplying GCG principles at Bank BRI Syariah. The method used is the method ofqualitative naturalistic research with data collection techniques that is observation,interview and documentation. The results conclude that BRISyariah has applied GCGprinciples in accordance with applicable laws and regulations. There are five GCGprinciples applied by BRISyariah in accordance with Bank Indonesia Regulation(PBI) no. 11/33 / PBI / 2009 is transparency, accountability, responsibility,professional, fairness. Implementation of the principles of Good CorporateGovernance (GCG) under the authority of Bank BRISyariah can be said to be good,effective and in accordance with the provisions of applicable legislation
PENGARUH FLUKTUASI HARGA EMAS DAN TINGKAT INFLASI TERHADAP PENYALURAN PEMBIAYAAN GADAI EMAS PADA BJB SYARIAH
Full text linkThis research was conducted to determine the effect of gold price fluctuations and levels on the distribution of rahn financing on gold pawn products at Bank BJB Syariah KCP Cikarang for the 2017-2020 period. Hypothesis testing using multiple linear regression analysis. The study's results partially show that the fluctuation variable in the price of gold has a positive and significant effect on the distribution of rahn financing. At the same time, the inflation rate variable has no significant effect on the distribution of rahn financing. Simultaneously, the independent variables of gold price fluctuations and the inflation rate significantly affect the dependent variable of rahn financing distribution, with an R Square value of 0.705 or 70.5%. At the same time, other factors influence the remaining 29.5%. These factors include income, location of operational offices, number of customers, and service products provided. Sharia is better than Bank BJB Syariah
Analisis Kinerja Karyawan Bank Syariah berdasar Quality Of Work Life dan Burnout
Full text linkThe purpose of this study was to determine the effect of Quality of Work Life and Burnout on the performance of Bank BTN Syariah Bekasi Branch Office employees. This research was conducted at Bank BTN Syariah Bekasi Branch Office. This study uses quantitative methods with data analysis techniques using SEM PLS (Structural Equation Model - Path Least Square) analysis. Based on the results of the analysis it is known that Quality of Work Life has a positive and significant effect on the performance of Bank BTN Syariah employees, Burnout also has a positive and significant effect on the performance of Bank BTN Syariah Bekasi Branch Office employees. This shows that the better the quality of work life provided by the company, the higher the performance produced, while the higher the level of burnout management obtained, it can affect the performance of the company's employees
Analisis Komparatif Kinerja Bank Syariah Berdasarkan Metode Islamic Performance Index Dan RGEC Pada Bank Syariah Di Indonesia
Full text linkThis study aims to analyze the comparison of bank performance Sharia General based on Risk Profile, Good Corporate approach Governance (GCG), Earnings, Capital (RGEC) and Islamic Performance Index (IPI). The research period used is 2015-2019. This research using a quantitative approach. The research population covers the entire Bank General Sharia registered with the Financial Services Authority (OJK) for 2015-2019 period. The sample was determined by purposive sampling and obtained 10 Islamic Commercial Banks. This research uses descriptive analysis and using Cartesian RGEC and IPI Charts to determine the Bank's position Sharia General. The results of this study indicate that commercial banks Sharia is in a different quadratic. Bank Muamlat Indonesia, BNI Syariah and Bank Syariah Mandiri are in the Upper Left Quadrant (ULQ) which means the value of the Islamic Performance Index (IPI) is high but the value of The RGEC is low. Then, BRI Syariah in the Lower Left Quadrant (LLQ) which means that the RGEC and Islamic Performance Index (IPI) values are low.Furthermore, Victoria Sharia Bank, Panin Dubai Sharia Bank, Sharia Bank Bukopin and BCA Syariah in the Upper Right Quadrant (URQ) which it means that the RGEC and Islamic Performance Index (IPI) values are high. Whereas,Bank Jabar Banten (BJB) Syariah and Bank Mega Syariah in the Lower quadrant Right Quadran (LRQ) which means the RGEC value is high but Islamic His Performance Index (IPI) is low
ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK UMUM SYARIAH DENGAN METODE ISLAMICITY PERFORMANCE INDEX DAN MARKET VALUE ADDED
Full text linkThis study aims to analyze the comparison of the financial performance of Islamic Commercial Banks using the Islamicity Performance Index (IPI) and Market Value Added (MVA) methods. The study period covers the years 2018-2021. This research employs a quantitative method with a descriptive approach. The study population includes all Islamic Commercial Banks registered with the Financial Services Authority (OJK) during 2018-2021. The sampling technique used is purposive sampling, resulting in three Islamic Commercial Banks listed on the Indonesia Stock Exchange. The data analysis method involves descriptive analysis and using the Cartesian Diagram of IPI and MVA to determine the position of the Islamic Commercial Banks. The results of this study show that there are four quadrants in the Cartesian diagram, but only two quadrants are occupied by Islamic Commercial Banks. Firstly, Quadrant I, or the Upper Left Quadrant (ULQ), is occupied by Bank Tabungan Pensiunan Negara Syariah (BTPNS) and Bank Syariah Indonesia (BSI), indicating that these two banks have high Market Value Added (MVA) but low Islamicity Performance Index (IPI). Secondly, Quadrant IV, or the Lower Right Quadrant (LRQ), is occupied by Bank Panin Dubai Syariah, indicating that this bank has a high Islamicity Performance Index (IPI) but a low Market Value Added (MVA). Meanwhile, no banks occupy Quadrant II or the Lower Left Quadrant (LLQ) and Quadrant III or the Upper Right Quadrant (URQ), indicating that no banks have both low IPI and MVA or both high IPI and MVA
Analisis Mitigasi Risiko Dalam Pembiayaan KPR Subsidi Pasca Pandemi Covid-19 Pada Bank BTN Syariah
Full text linkThis research aims to find out what financing risks occur, how to implement financing risk mitigation, and to find out risk mitigation strategies for Subsidized BTN KPR Financing carried out by Bank BTN Syariah to minimize problematic financing after the Covid-19 pandemic. This research method uses a qualitative approach with descriptive methods. In this research, Bank BTN Syariah is one of the financial institutions in Cibubur. The sample collection technique used a purposive sampling technique, namely 4 employees at Bank BTN Syariah. Data collection techniques used observation, interviews and documentation with data analysis using the Miles and Huberman approach. The results of this research are the financing risks that occur in Subsidized BTN KPR Financing, namely the financing risks caused by customers failing to pay. Financing risk mitigation carried out by Bank BTN Syariah for Subsidized BTN KPR Financing is by identifying risks, measuring risks, monitoring risks and controlling risks. Meanwhile, the risk mitigation strategy carried out by Bank BTN Syariah for Subsidized BTN KPR Financing is by using the 5 C principles including Character, Capital, Condition of Economy, Capacity, and Collateral. Apart from that, the mitigation strategy carried out by Bank BTN Syariah after the Covid-19 pandemic was by implementing several approaches, namely a purchasing strategy approach based on community needs, a friendship approach with customers during the Covid-19 pandemic; and implementing the Covid-19 restructuring policy
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