scholarly journals Dampak Implementasi Restrukturisasi Pembiayaan terhadap Likuiditas Bank Syariah pada Situasi Pandemi Covid-19

2020 ◽  
Vol 3 (2) ◽  
pp. 282-316
Author(s):  
Abdul Kholiq ◽  
Rizqi Rahmawati
Keyword(s):  
Financial Services ◽  
Commercial Banks ◽  
Human Life ◽  
Descriptive Analysis ◽  
Business Units ◽  
A Value ◽  
Qualitative Descriptive ◽  
Credit Financing ◽  
The Government ◽  
The Impact

The Covid-19 pandemic has had a significant impact in all aspects of human life, such as in the health, education, social, economic and banking sectors. To restore the economic and banking sectors, the government through The Financial Services Authority issued Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 11 /POJK.03/2020 Tentang Stimulus Perekonomian Nasional Sebagai Kebijakan Countercyclical Dampak Penyebaran Coronavirus Disease 2019. One of the things described in POJK Number 11 /POJK.03/2020 is the implementation of credit or financing restructuring for debtors who were affected during the Covid-19 pandemic. The implementation of this credit / financing restructuring has raised concerns about bank liquidity. This study uses a qualitative descriptive analysis method by describing the phenomena that occur due to the impact of Covid-19 on the global and national economy, Indonesian government policies, and banking. The results showed that during the period March-September 2020 the average Financing to Deposit Ratio (FDR) in Islamic Commercial Banks showed a value of 79.31% where the highest ratio occurred in July with a ratio level of 81.03% and the lowest ratio occurred in September with a ratio of 77.06%. Under these conditions, in general the level of liquidity of Islamic commercial banks is categorized as healthy or liquid. The average FDR ratio in Sharia Business Units for the period March-September 2020 shows a value of 103.54% where the highest ratio occurred in May with an FDR ratio of 107.20% and the lowest ratio occurred in September with an FDR ratio of 95.87%. Under these conditions, in general the liquidity level of the Sharia Business Unit is categorized as less healthy or less liquid.Pandemi Covid-19 telah memberikan dampak yang signifikan dalam segala segi kehidupan manusia seperti dalam bidang kesehatan, pendidikan, sosial, ekonomi maupun sektor perbankan. Untuk memulihkan sektor ekonomi dan perbankan, pemerintah melalui Otoritas Jasa Keuangan mengeluarkan Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 11 /POJK.03/2020 Tentang Stimulus Perekonomian Nasional Sebagai Kebijakan Countercyclical Dampak Penyebaran Coronavirus Disease 2019. Salah satu hal yang dijelaskan dalam POJK Nomor 11 /POJK.03/2020 adalah pemberlakuan restrukturisasi kredit atau pembiayaan bagi debitur yang terdampak selama pandemi Covid-19. Pemberlakuan restrukturisasi kredit/pembiayaan ini memunculkan kekhawatiran terhadap likuiditas bank. Penelitian ini bertujuan untuk menganalisa dampak implementasi restrukturisasi pembiayaan terhadap likuiditas bank syariah pada situasi pandemic covid-19. Penelitian ini menggunakan  metode analisis deskriptif kualitatif dengan cara mendeskripsikan fenomena-fenomena yang terjadi akibat dampak Covid-19 terhadap perekonomian global maupun nasional, kebijakan pemerintah Indonesia, serta perbankan. Hasil penelitian menunjukkan bahwa selama periode Maret-September 2020 rata-rata rasio Financing to Deposit Ratio (FDR)  pada Bank Umum Syariah menunjukkan nilai 79,31% dimana rasio tertinggi terjadi pada bulan Juli dengan tingkat rasio 81,03% dan rasio terendah terjadi pada bulan September dengan tingkat rasio 77,06%. Dengan kondisi tersebut, maka secara umum tingkat likuiditas bank umum syariah dikategorikan sehat atau likuid. Rata-rata rasio FDR pada Unit Usaha Syariah periode Maret-Septemer 2020 menunjukkan nilai 103,54% dimana rasio tertinggi terjadi pada bulan Mei dengan tingkat rasio FDR 107.20% dan rasio terendah terjadi pada bulan September dengan tingkat rasio FDR 95.87%. Dengan kondisi tersebut, maka secara umum tingkat likuiditas Unit Usaha Syariah dikategorikan kurang sehat atau kurang likuid.  

scholarly journals Program Pemulihan Ekonomi Nasional Sebagai Kebijakan Penanggulangan Dampak Pandemi Covid-19 Pada Sektor UMKM

2021 ◽  
Vol 8 (2) ◽  
pp. 110-116
Author(s):  
Ratnawaty Marginingsih
Keyword(s):  
Positive Impact ◽  
Descriptive Analysis ◽  
Economic Recovery ◽  
Analysis Technique ◽  
National Economic ◽  
Qualitative Descriptive ◽  
The Government ◽  
Recovery Program ◽  
The Impact ◽  
Economic Recovery Program

Abstrak  Berbagai permasalahan yang terjadi pada UMKM terdampak pandemi cukup dirasakan oleh para pelaku usaha tersebut. Hal ini tentu saja berakibat pada penurunan keuntungan secara signifikan dikarenanakan tingkat produktivitas yang rendah. Langkah terkait pemulihan ekonomi, dalam hal ini pemerintah melalui kementrian keuangan membuat kebijakan luar biasa untuk memitigasi dampak covid-19 dan perlambatan ekonomi dengan membuat Program Pemulihan Ekonomi Nasional (PEN).  Metode penelitian yang digunakan dalam penulisan ini adalah teknik analisis deskriptif kualitatif. Hasil penelitian menujukkan Program Pemulihan Ekonomi Nasional (PEN) memiliki dampak positif bagi sektor UMKM pada masa pandemi covid-19 sebagai langkah kebijakan yang diambil oleh pemerintah untuk mendukung pemulihan perekonomian nasional khususnya sektor UMKM yang memiliki kontribusi cukup besar. Rekomendasi kebijkan penguatan UMKM tidak hanya pada masa pandemi tetapi juga pada masa pemulihan dan pasca pandemi sehingga percepatan pemulihan ekonomi nasional dapat mencapai kestabilannya. Kata Kunci: Program PEN, Kebijkan Pandemi, UMKM  Abstract - The various problems that occur in SMEs affected by the pandemic are quite felt by these business actors. This of course results in a significant reduction in profits due to low productivity levels. Steps related to economic recovery, in this case, the government through the ministry of finance, make extraordinary policies to mitigate the impact of covid-19 and the economic slowdown by creating the National Economic Recovery Program (PEN). The research method used in this paper is a qualitative descriptive analysis technique. The results of the study show that the National Economic Recovery Program (PEN) has a positive impact on the MSME sector during the COVID-19 pandemic as a policy step taken by the government to support the recovery of the national economy, especially the MSME sector which has a significant contribution. Recommendations for strengthening MSME policies are not only during the pandemic but also during the recovery and post-pandemic period so that the acceleration of national economic recovery can achieve stability. Keywords: PEN Program, Pandemic Policy, MSME 

scholarly journals Democratic Governance and Social Service Delivery in Africa: the case of Taraba State, Nigeria

2021 ◽  
Vol 17 (28) ◽  
pp. 35
Author(s):  
Jonah I. Onuoha ◽  
Rimamchaten A. Lawi ◽  
Paul A. Onuh ◽  
Ifeanyi J. Onuoha
Keyword(s):  
Service Delivery ◽  
Social Service ◽  
Descriptive Analysis ◽  
Democratic Governance ◽  
Colonial State ◽  
Secondary Sources ◽  
Social Service Delivery ◽  
Qualitative Descriptive ◽  
The Government ◽  
The Impact

Postcolonial leadership is implicated in the distorted development and crisis of governance in Nigeria. The political leadership emerged from authoritarian traditions of the colonial state and pursued self-interests against collective societal interests; the mode of the emergence of the leaders as well as the context in which they operate usually impact on the nature and trend of social welfare provisioning. Relying on data from secondary sources, this study examined the impact of democratic governance on social service delivery with Taraba State and education as a case study. The data analysis was based on qualitative descriptive analysis. We found that the education sector under the two administrations between 1999 and 2014, was not prioritized in budgetary allocation, in contravention of UNESCO recommendation that 26% of the budget be dedicated to education. The study recommends, among others, that the government must show commitment to education as a matter of deliberate policy to allocate the required minimum percentage pecked by UNESCO to enhance educational development in Taraba state.

scholarly journals STRATEGI PENGEMBANGAN KOPERASI UNIT DESA (KUD) MINA TELUK SEMANGKA DI KECAMATAN KOTA AGUNG PUSAT KABUPATEN TANGGAMUS PROVINSI LAMPUNG

2020 ◽  
Vol 8 (3) ◽  
pp. 453
Author(s):  
Anitha Andarrini T ◽  
Dyah Aring Hepiana Lestari ◽  
Indah Nurmayasari
Keyword(s):  
Swot Analysis ◽  
Public Awareness ◽  
Descriptive Analysis ◽  
Business Units ◽  
Technological Developments ◽  
Working Together ◽  
Qualitative Descriptive ◽  
The Government ◽  
High Level

This research aims to analyze the internal and external environment, formulate development strategies, and determine the priority strategies of KUD Mina Teluk Semangka. This research uses a case study method. Respondents involved 13 people consisting of administrators and members of cooperatives, experts and regulators. Data analysis methods used are qualitative descriptive analysis, SWOT analysis, and QSPM. The results indicated that internally, cooperatives have the main strength on its business units that are complement each other and suitable to the needs of members, while the main weakness is on the absence of processing.to add value of the products Externally, cooperatives face great opportunities on high level of demand on fish and face the main threat on lack of public awareness in working together. The priority strategies that can be used in developing cooperatives are as the following: utilizing and enhancing the ability of members to diversify their products using fishery product processing technology, collaborating with the government and other parties in creating tourism-based business unit, utilizing trained human resources to overcome limitations in keeping up with technological developments, and increasing awareness of the community in cooperation and members in paying mandatory savings.Key words: cooperative, fisheries, SWOT analysis, QSPM

scholarly journals IMPLEMENTASI AKUNTANSI KEUANGAN BERBASIS SAK ETAP (STUDI KASUS PADA UMKM BATIK DI KOTA SEMARANG)

2016 ◽  
Vol 1 (2) ◽  
Author(s):  
Ira Septriana ◽  
Eva Vitriyani
Keyword(s):  
Descriptive Analysis ◽  
Accounting Standards ◽  
Financial Statements ◽  
Financial Accounting ◽  
Public Accountability ◽  
Business Units ◽  
Income Statement ◽  
Qualitative Descriptive ◽  
Convenience Sampling ◽  
The Government

This study was to determine how the application and understanding of the accounting method for MSMEs Batik Semarang and whether in accordance with the standards set by the government. Because of FAS EWPA set with the purpose of facilitating entities without public accountability like MSMEs in presenting the financial statements to be more relevant and informative in order to monitor the performance of business units within a single accounting period. There are 30 units of MSMEs Batik Semarang as research sample selected by convenience sampling method using qualitative descriptive analysis method. The results indicate that the perception and understanding of MSME entrepreneurs Batik Semarang on Financial Accounting Standards for Entities Without Public Accountability (FSA EWPA) was still very simple, due to the lack of entrepreneurs knowledge regarding the technical preparation of financial statements based FSA EWPA. MSMEs feel that income statement is enough, and there is a lacking sosialization by the related department like Department of Cooperatives and MSMEs Semarang in applicating the Financial Accounting Standards Entities Without Public Accountability.Keywords: MSMEs; FAS EWPA; Financial Statements

scholarly journals DAMPAK PANDEMI COVID-19 DALAM KEHIDUPAN SOSIAL-EKONOMI MASYARAKAT STUDI KASUS KEHIDUPAN SOSIAL-EKONOMI MASYARAKAT PANDEGLANG BANTEN

2021 ◽  
Vol 13 (1) ◽  
pp. 62-70
Author(s):  
Herdin Muhtarom
Keyword(s):  
Large Scale ◽  
Descriptive Analysis ◽  
Analysis Method ◽  
The Social ◽  
Community Solidarity ◽  
Qualitative Descriptive ◽  
The Government ◽  
The Many ◽  
The Impact ◽  
Very High

The current Coronavirus (Covid-19) outbreak has become a major focus of the global community because of the many impacts that have been caused by the Covid-19 pandemic, both in the fields of health, social, economics, and education. The purpose of this study was to determine the impact of the Covid-19 pandemic, especially in the economic and social sectors in Pandeglang Regency, Banten. The method used in this study is the Qualitative Descriptive Analysis method. The results showed that the impact of the Covid-19 pandemic greatly affected the economic field in Pandeglang District, especially community income in Pandeglang declined during the Covid-19 pandemic and many large-scale Termination of Work (PHK) felt by the Pandeglang community, for the social sector many communities or the government provided food or basic needs assistance to people in Pandeglang who were affected by the Covid-19 pandemic so that the level of community solidarity during the Covid-19 pandemic in Pandeglang District was very high.  

scholarly journals Medical Waste Management: The Need For Effective Regulation of The Minister of Environment And Forestry In Indonesia

2021 ◽  
Vol 2 (1) ◽  
pp. 281-288
Author(s):  
Ontran Sumantri Riyanto ◽  
Adi Purnomo ◽  
Yohana Kristiyaning Rahayu ◽  
Arif Wahyudi
Keyword(s):  
Human Health ◽  
Waste Treatment ◽  
Human Life ◽  
Descriptive Analysis ◽  
Medical Waste ◽  
Sociological Approach ◽  
Qualitative Descriptive ◽  
Medical Waste Management ◽  
Infectious Waste ◽  
The Government

Waste resulting from an activity or production is highly undesirable in human life because waste negatively impacts life, especially for human health. Hospitals are one of the institutions that produce considerable waste and can have a devastating impact on the environment. Because medical waste has the potential to cause problems for the environment as well as to human health. The most dangerous hospital waste is infectious medical waste. Experts and skilled should appropriately handle infectious waste in its management. This research is empirical legal research using a statutory, conceptual, and sociological approach. As well as conducting interviews and observations with the analysis used is qualitative descriptive analysis. It is expected that the management and management of the hospital can carry out the medical waste treatment by the regulations that have been published by the government, and the government must carry out strict supervision so that medical waste does not cause pollution to the environment.

scholarly journals Community Response to the Health Protocols in Organizing Weddings Ceremony During the Covid-19 Pandemic

AL- ADALAH ◽  
2021 ◽  
Vol 18 (1) ◽  
Author(s):  
Ahmad Zaenur Rosyid ◽  
Hidayatus Sholihah ◽  
Arief Cholil
Keyword(s):  
Descriptive Analysis ◽  
Local Area ◽  
Community Response ◽  
North Coast ◽  
Community Activities ◽  
The North ◽  
Qualitative Descriptive ◽  
The Government ◽  
Almost All ◽  
The Impact

Government regulations regarding health protocols during the Covid-19 pandemic have resulted in many impacts and dilemmatic atmosphere in almost all community activities relating to the economic, social, political, and religious fields. This effect can be seen clearly in all community activities, including in the implementation of wedding ceremonies and receptions. This study tries to identify the impact of these regulations on wedding traditions in the North Coast region of Java, precisely in Winong and Pucakwangi sub-districts, South Pati. The research focuses on two types of activities, namely the process of wedding ceremony and the wedding reception. This qualitative research uses a socio-normative approach. Data were collected through interviews, observation, and documentation which were then analyzed using qualitative descriptive analysis. Interviews were conducted with some prospective bride and groom couples and marriage registrats in the local area. This study found that citizens,  starting from the general public to the social, political, and religious leaders, tend not to care about the provisions on health protocols regulated by the government. This tendency can be seen in the public's response to these provisions at the time of marriage, which can be classified into three types of groups, namely affirmative, conditional-adaptive, and ignorance

scholarly journals Dialektika nalar idealitas dan nalar realitas: aplikasi konsep umum al-balwa dalam dinamika hukum Islam

2019 ◽  
Vol 18 (1) ◽  
pp. 99
Author(s):  
Firman Muhammad Arif
Keyword(s):  
Human Life ◽  
Descriptive Analysis ◽  
General Concept ◽  
Application Of Law ◽  
Diffi Cult ◽  
Qualitative Descriptive ◽  
The Impact

The application of  law is not always oriented towards things that are ideal. There are certain other considerations or exceptions to the application of  rules because they are beyond knowledge and no control. The general concept of  umum al-balwa to fulfi ll interests including liminating diffi culties. By using qualitative descriptive analysis and considerations that are diffi cult to avoid or diffi cult to avoid become special considerations that result in dispensation. Cases that affl ict human life are linked to other matters in various fi elds with the niformity of  considerations and the impact of  giving relief which ends in making it easy but not easy.

scholarly journals Aspek hukum Bank Wakaf Mikro dalam pengentasan kemiskinan berbasis pesantren di Indonesia

2019 ◽  
Vol 12 (1) ◽  
pp. 1-26
Author(s):  
Siska Lis Sulistiani ◽  
Muhammad Yunus ◽  
Eva Misfah Bayuni
Keyword(s):  
Social Services ◽  
Financial Services ◽  
Social Role ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Islamic History ◽  
The Core ◽  
Qualitative Descriptive ◽  
The Government ◽  
Islamic Economic

Wakaf memainkan peran ekonomi dan sosial yang sangat penting dalam sejarah Islam. Wakaf berfungsi sebagai sumber pembiayaan bagi sarana ibadah, pendidikan, pelayanan sosial dan pertahanan. Banyak pengembangan sektor ekonomi Islam atau perbankan syariah yang dikaitkan dengan wakaf, tidak terkecuali di tahun 2017 Pemerintah bersama OJK menginisiasi adanya Bank Wakaf Mikro sebagai upaya menjawab permasalahan kemiskinan, yang bekerjasama dengan lembaga berbasis pesantren di Indonesia. Istilah Bank wakaf mikro dipilih karena pihak pemerintah mengharapkan agar inti dari dana yang disebar ke masyarakat tetap terjaga intinya tanpa mengurangi manfaatnya, selain itu dinamai Bank Wakaf Mikro dikarenakan operasi BWM ini berada di lingkungan pesantren. Selama perkembangannya BWM ini, menggunakan istilah bank wakaf mikro dalam penamaan lembaganya akan tetapi dari dasar hukum dan bentuk dari badan hukumnya justru sangat jauh dari penamaannya.Badan hukum dari BWM ini adalah Koperasi, sedangkan izin usaha BWM adalah lembaga keuangan mikro syariah sehingga pengawasannya berada di bawah Otoritas Jasa Keuangan (OJK). Penelitian ini menggunakan metode penelitian yuridis normative dengan menggunakan data sekunder dengan menggunakan analisis deskriptif kualitatif. Kata kunci: Hukum, Bank, Wakaf, Mikro, Indonesia. Abstract Waqf plays a very important economic and social role in Islamic history, waqf serves as a source of funding for religious facilities, education, social services and defense. Many developments in the Islamic economic sector or Islamic banking are associated with waqf, not least in 2017 The Government and OJK initiated the Micro Waqf Bank as an effort to address the problem of poverty, in collaboration with pesantren-based institutions in Indonesia. The term micro waqf bank was chosen because the government expects that the core of the funds distributed to the community is maintained intact without reducing its benefits, besides it is named the Micro Endowment Bank because the BWM operation is in the pesantren environment. During the development of this BWM, the term micro waqf bank was used in naming its institutions, but from the legal basis and form of legal entities it was very far from naming it. under the Financial Services Authority (OJK). This study uses a normative juridical research method using secondary data using qualitative descriptive analysis. Keywords: Law, Bank, Waqf, Micro, Indonesia.

scholarly journals Keabsahan Klausula Perpanjangan Periode dalam Restrukturisasi Kredit Akibat Pandemi Covid-19

Notaire ◽  
2021 ◽  
Vol 4 (2) ◽  
pp. 313
Author(s):  
Tamara Teguh
Keyword(s):  
Natural Disaster ◽  
Financial Services ◽  
Virus Disease ◽  
Human Life ◽  
Loan Repayment ◽  
Corona Virus ◽  
Presidential Decree ◽  
The Republic ◽  
The Government ◽  
The Impact

The Corona Virus Disease 2019 (COVID-19) outbreak was determined by the President as a non-natural disaster through Presidential Decree Number 12 of 2020 concerning the Designation of Non-Natural Disaster for the Spread of Corona Virus Disease 2019 (COVID-19) as a National Disaster. Its rapid spread has an impact on all aspects of human life, especially in the economic sector, many business actors have suffered losses and a number of banks are experiencing credit risk, which debtors or customers are unable to make credit installments on the pretext of being affected by the pandemic. The Presidential Decree cannot automatically cancel existing agreements, so that the Government makes policies in order to stimulate economic growth. This policy was issued by the Financial Services Authority through Regulation of the Financial Services Authority of the Republic of Indonesia Number 11/POJK.03/2020 concerning National Economic Stimulus as a Countercyclical Policy on the Impact of the Spread of Corona Virus Disease 2019 which has been extended by the Financial Services Authority Regulation of the Republic of Indonesia Number 48/POJK.03/2020 as an effort to avoid default. The debtor is given loan repayment relief at the Bank or Leasing with terms determined by the Bank. This payment relief is known as credit restructuring, which there is a renegotiation process to change existing loans. One of the changes in the agreement is by rescheduling, namely extending the installment payment period. Keywords: COVID-19 Disease Outbreak; Credit Restructuring; Rescheduling.Wabah penyakit Corona Virus Disease 2019 (COVID-19) ditetapkan oleh Presiden sebagai bencana non alam melalui Keputusan Presiden Republik Indonesia Nomor 12 Tahun 2020 Tentang Penetapan Bencana Non Alam Penyebaran Corona Virus Disease 2019 (COVID-19) Sebagai Bencana Nasional. Penyebarannya yang begitu pesat berdampak pada segala aspek kehidupan manusia terutama di bidang ekonomi, banyak pelaku usaha yang mengalami kerugian dan sejumlah perbankan mengalami risiko kredit, dimana debitur atau nasabah tidak mampu untuk melakukan pembayaran cicilan kredit dengan dalih terkena dampak pandemi. Dengan adanya Keputusan Presiden itu tidak dapat serta merta membatalkan perjanjian yang sudah ada, sehingga Pemerintah membuat kebijakan dalam rangka menstimulus pertumbuhan ekonomi. Kebijakan tersebut dikeluarkan oleh Otoritas Jasa Keuangan melalui Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 11/POJK.03/2020 Tentang Stimulus Perekonomian Nasional Sebagai Kebijakan Countercyclical Dampak Penyebaran Corona Virus Disease 2019 yang telah diperpanjang dengan Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 48/POJK.03/2020 sebagai upaya agar tidak terjadinya wanprestasi. Debitur diberikan keringanan pembayaran cicilan pinjaman di Bank atau Leasing dengan persyaratan-persyaratan yang ditentukan oleh Bank. Keringanan pembayaran ini dikenal dengan restrukturisasi kredit, dimana terdapat proses renegosiasi atau negosiasi ulang untuk merubah perjanjian kredit yang sudah ada. Perubahan perjanjian tersebut salah satunya ialah dengan penjadwalan kembali atau rescheduling, yaitu memperpanjang periode pembayaran cicilan.Kata Kunci: Wabah Penyakit COVID-19; Restrukturisasi Kredit; Penjadwalan Kembali.

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