Effect Of Financing In Sharia Business Units On Profitability And Financing Risk Management

Financing is one of the main functions of the operations of sharia banks, including those carried out by the Syari'ah Business Unit. Funds disbursed to the Syari'ah Business Unit are carried out by means of buying and selling, namely Murabaha contracts, greetings, and istisna agreements, then by investing in mudharabah contracts and musyarakah contracts and performing rental services with ijarah contracts. Syarai'ah Banking by carrying out the financing benefits from buying and selling, obtaining profit sharing from investing and obtaining rental opinions from the ijarah contract. Thus, the three types of income will produce and affect the level of profitability depending on the financial services carried out by PerbangkanSyari'ah, including those carried out by the Syari'ah Business Unit. In carrying out the financing there is an element of risk that needs to be managed properly and professionally, so that the risk can be minimized in the sense that the amount of financing that is categorized as non-current does not negatively affect profitability, as well as risk management such as non-perfomed financing with various contracts, can be minimized along with the level of collectibility for the financing that has been channeled. The researcher will also carry out various statistical tests in this study so that in this study the results of the conclusions are positive and can be useful for anyone who has an interest in this research. The study was conducted with a quantitative method, with the conclusion that there was a positive relationship between financing with murabaha, mudharabah, musyarakah and ijarah contracts towards profitability and in general also negatively affected the NPF with the understanding that even though there was an increase in financing distribution with contracts, however, risk control over the possibility of NPF occurring can be overcome except for financing with Murabaha contracts.This research is expected to be useful for stakeholders related to this research and for future researchers to be able to improve further research.

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ANALISIS MANAJEMEN RISIKO PEMBIAYAAN DAN PENGELOLAAN PRODUK PPR IB MASLAHAH DI BJB SYARIAH KCP. KUNINGAN

JURNAL EKONOMI SYARIAH ◽

10.37058/jes.v6i2.3716 ◽

2021 ◽

Vol 6 (2) ◽

pp. 47-63

Author(s):

Faiz Raka Alfarizi ◽

Qiny Shonia Az Zahra

Keyword(s):

Risk Management ◽

Financial Services ◽

Commercial Banks ◽

Product Management ◽

Human Needs ◽

Business Units ◽

Financing Risk ◽

Basic Human Needs

Housing is one of the basic human needs. Meanwhile, in fact, from the data on the number of Sharia mortgage customers at Bank Jabar Syariah, namely the PPR IB Maslahah product for the 2017-2020 period, it fluctuated and tend to decrease. In addition, it needs a good financing risk management implemented by the company. The objective of this research is to find out how the risk management of financing and product management of PPR IB Maslahah Bank BJB Syariah KCP Kuningan. This study uses premier data from interviews conducted to several employees of Bank BJB Syariah KCP Kuningan, by triangulation technique. Meanshile, the results of this study are:1). The financing risk management carried out by Bank BJB Syariah is in accordance with the Financial Services Authority Regulation (POJK) Number 65 / POJK.03 / 2016 concerning the Implementation of Risk Management for Sharia Commercial Banks and Sharia Business Units as stated in article 3 in point c; 2) Management of PPR Products carried out by Bank BJB Syariah Kuningan has been implemented, however in fact they have limited authority from the headquarters. .

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Penerapan Manajemen Risiko pada Tingkat Efisiensi Keuangan di Bank DKI Jakarta

Owner ◽

10.33395/owner.v5i2.425 ◽

2021 ◽

Vol 5 (2) ◽

pp. 417-428

Author(s):

Saridawati Saridawati ◽

Murniyati Murniyati ◽

Ratih Hastasari ◽

Suharini Suharini

Keyword(s):

Risk Management ◽

Financial Services ◽

Statistical Tests ◽

Liquidity Risk ◽

Operational Risk ◽

Operating Income ◽

Financing Risk ◽

The Impact ◽

Regional Development Banks ◽

Positive Effect

Efficiency is one measure of bank performance. The efficiency of a bank is influenced by the way management manages risk. Financial services authority regulation number 18 /pojk.03/2016 issued by Bank Indonesia which requires every bank in Indonesia to form a risk management team. Risk management problems in the banking world are related to the losses they experience, and Regional Development Banks are expected to be able to detect maximum losses that may arise in the future. This team is obliged to control various aspects of risk management in each bank and observe the impact of risk management implementation. This study aims to determine the efficiency level of conventional banking at PT Bank Pembangunan Daerah Jawa Tengah and the effect of financing risk, operational risk and liquidity risk on the efficiency level. Efficiency is measured by the method of Operating Expenses from Operating Income. The data used as the object of this research is Bank DKI Jakarta for the 2015-2020 period. The level of influence of the variables X1, X2, X3 on Y on the determinant coefficient (R2) shows the Adjusted R Square number of 0.359 or 35.9% which means that the variation in efficiency level can be explained by financing risk, operational risk and liquidity risk, the remaining 64.1% can be explained from other variables outside, for previous related studies there is no similarity in the influence of independent (x) and dependent (Y) values, because of differences in values ??generated from SPSS processing data. Based on the results of statistical tests and discussion analysis, it is known that financing risk, operational risk, liquidity risk simultaneously have no effect on the level of efficiency and only financing risk has a significant positive effect on the level of efficiency at PT Bank DKI Jakarta.

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PENERAPAN AUDIT BASED RISK PADA PIUTANG MURABAHAH (STUDI PADA BANK MUAMALAT MALANG)

Jurnal Akademi Akuntansi ◽

10.22219/jaa.v1i1.6946 ◽

2018 ◽

Vol 1 (1) ◽

Author(s):

Dimas Mahardika Palupi ◽

Eris Tri Kurniawati

Keyword(s):

Risk Management ◽

Good Practice ◽

Risk Control ◽

Business Unit ◽

Risk Rating ◽

Bank Regulations ◽

Descriptive Qualitative

This study aims to analyze the implementation of audit-based risk on murabahah receivables in accordance with Indonesian bank regulations at Bank Muamalat Malang. The type of this research is descriptive qualitative with the technique used is an interview, observation, and documentation. Researchers used six risk control elements in accordance with control objectives. The result of the analysis at Bank Muamalat Malang shows that risk control is quite good. the implementation of effective risk management is good enough. The scope of risk management performed by the Bank is good enough. The risk rating for prioritizing the mitigation is also good. Practice with the principles of sharia and not contrary to the MUI fatwa is good. Implementation of risk management in Syariah business unit does not exist because in Bank Muamalat Malang there is no unit of sharia business. The rules of delivery on a quarterly basis to BI have also been disputed.

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Pengaruh Jumlah Anggota, Modal Sendiri dan Modal Pinjaman Terhadap Sisa Hasil Usah (SHU) Koperasi Unit Desa (KUD) Dikabupaten/Kota Provinsi Sumatera Barat

Jurnal Ecogen ◽

10.24036/jmpe.v3i2.8956 ◽

2020 ◽

Vol 3 (2) ◽

pp. 299

Author(s):

Arif Kurniawan ◽

Yulhendri Yulhendri

Keyword(s):

Statistical Tests ◽

Secondary Data ◽

Residual Income ◽

Coefficient Of Determination ◽

Business Unit ◽

Business Units ◽

Normality Test ◽

Panel Data Regression ◽

West Sumatra ◽

Time Series Method

This study aims to find out 1) analyse the effect of the number of members on the remainder of the results of the business unit (SHU) village unit cooperatives (KUD), 2) To analyse the effect of their own capital on the residual results of the business unit (SHU) village unit cooperatives (KUD), 3) To analyse the effect of loan capital on the results of the remaining business units (SHU) of village unit cooperatives (KUD) of West Sumatra Province. The data used in this study are secondary data obtained directly from the statistical centre of West Sumatra Province. This study uses a time series method, namely from 2011-2017 and cross section totalling 19 districts / cities in West Sumatra Province. Data analysis method used in this study is panel data regression by testing the classical assumptions, including normality test, multicollinearity test, heteroscedasticity test, autocorrelation test with probability value (α) = 0.05. And statistical tests include t test, F test and testing the coefficient of determination (R2) with the value. The results of this study indicate that the number of members and their own capital have a significant influence on the residual income of village unit cooperatives (KUD), while loan capital does not significantly influence the residual income of village unit cooperatives (KUD) of West Sumatra Province.Keywords : SHU, number of members, own capital, loan capital.

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Sistem Pendukung Keputusan Penerima Pembiayaan Akad Qordh Menggunakan Metode Analytical Hierarchy Process dan Weighted Product

Techno (Jurnal Fakultas Teknik Universitas Muhammadiyah Purwokerto) ◽

10.30595/techno.v22i1.7856 ◽

2021 ◽

Vol 22 (1) ◽

pp. 1

Author(s):

Restu Nur Hakim ◽

Muhammad Hamka

Keyword(s):

Decision Support ◽

Analytical Hierarchy Process ◽

Financial Services ◽

Profit Sharing ◽

Business Unit ◽

Ahp Method ◽

A Value ◽

Calculation Results ◽

Criteria Weights ◽

Hierarchy Process

Islamic financial services unit is a business unit in a cooperative whose business activities are engaged in financing, investment and savings in accordance with the profit sharing pattern (sharia). This study aims to create a Decision Support System to determine the acceptance of qordh contract financing using the Analitycal Hierarchy Process (AHP) method used to determine the criteria weights and the Weighted Product (WP) method is used to determine the qordh contract financing recipient ranking. Obtained the results of the AHP method calculation with the highest priority, namely the guarantee criteria with a value of 39%, the criteria for work with a value of 24%, the criteria for the amount of financing with a value of 9%, the term criteria with a value of 9%, the age criteria with a value of 14%, and the last criteria financing history with a priority value of 4%.Based on the WP calculation results, the first recommended alternative results obtained qordh contract financing is alternative 7 with a V_7 value of 0.159, followed by alternative 3 with a V_3 value of 0.109, alternative 1 with a V_1 value of 0.105, alternative 6 with a V_6 value of 0.098, alternative 8 with a V_8 value of 0.096, alternative 9 with a V_9 value of 0.093, alternative 4 with a V_4 value of 0.082, alternative 5 with a V_5 value of 0.081, alternative 2 with a V_2 value of 0.061, alternative 10 with a V_10 value of 0.057, and the The last is alternative 11 with a value of V_11 which is 0.056.

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IMPLEMENTASI MANAJEMEN RESIKO PEMBIAYAAN MUDHARABAH PADA KOPERASI JASA KEUANGAN SYARIAH (STUDI KASUS PADA KOPERASI JASA KEUANGAN SYARIAH AL ABRAR)

Jurnal Ekonomi Syariah Teori dan Terapan ◽

10.20473/vol7iss20201pp162-172 ◽

2020 ◽

Vol 7 (1) ◽

pp. 162

Author(s):

Ady Wena Pramudya ◽

Puji Sucia Sukmaningrum

Keyword(s):

Risk Management ◽

Financial Services ◽

Descriptive Analysis ◽

Risk Control ◽

Case Study Research ◽

Secondary Data ◽

Primary Data ◽

Analysis Technique ◽

The City

This study aims to analyze the implementation of Mudharabah Financing in the Al Abrar Islamic Financial Services Cooperative in the city of Surabaya. Sharia financial services cooperatives require a series of procedures and methodologies that can be used to identify, assess, mitigate and evaluate risks arising from Mudharabah financing. This study uses a qualitative approach with case study research methods. The technique of collecting data uses direct interviews, documentation and observation. Purposive techniques are used in determining the unit of analysis. The analysis technique used is narrative-descriptive analysis, which describes the results of interviews and direct observation. Then to find out the validity of the data, researchers used triangulation techniques by matching the findings of primary data and secondary data. The results of this study indicate that Al Abrar Surabaya Islamic Financial Services Cooperative processes the risk management at the stage of identification, assessment, mitigation and risk control. This can be indicated through the way the Al Abrar Financial Services Cooperative deals with customers who fail to pay.Keywords: Risk Management, Risk, Customers, Islamic Financial Services Cooperatives

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DEPOSITO MUDHARABAH, NPF, DAN TINGKAT BAGI HASIL TERHADAP PEMBIAYAAN BAGI HASIL PADA BUS DAN UUS DI INDONESIA TAHUN 2011-2016

Jurnal Ekonomi Syariah Teori dan Terapan ◽

10.20473/vol5iss20183pp231-246 ◽

2019 ◽

Vol 5 (3) ◽

pp. 231

Author(s):

Inan Nati Ismah ◽

Atina Shofawati

Keyword(s):

Significant Influence ◽

Financial Services ◽

Quantitative Research ◽

Secondary Data ◽

Profit Sharing ◽

Regression Result ◽

Islamic Banks ◽

Business Unit ◽

Monthly Report ◽

Independent Variable

The aim of the study was to determine the influence Mudharabah Deposit, NonPerforming Financing and Profit Sharing Level to Financing Based on Profit Sharing by Islamic Banks and Sharia Business Unit. This study used quantitative research, with purposive sampling. The data used for this study are secondary data gathered from Sharia Indonesia Banking Statistic on Financial Services Authority Website which is monthly report started from January 2011 till August 2016. Dependent variable in the study is financing based on profit sharing (Musyarakah and Mudharabah), then independent variable are MudharabahDeposit, Non Performing Financing, and Profit Sharing Level. This reserach used analysis technical multiple linear regression. The regression result of this study indicate that mudharabah deposit variable, non performing financing and profit sharing level simultaneously have significant influence to financing based on profit sharing. Meanwhile non performing financing partially has significant influence to financing based on profit sharing

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Urgensi Fatwa DSN-MUI Mengenai Manajemen Risiko Pembiayaan Berbasis Syariah

Al-Manahij Jurnal Kajian Hukum Islam ◽

10.24090/mnh.v15i2.4641 ◽

2021 ◽

Vol 15 (2) ◽

pp. 201-220

Author(s):

Tri Hidayati ◽

Muhammad Syarif Hidayatullah

Keyword(s):

Risk Management ◽

Financial Institutions ◽

Financial Services ◽

Descriptive Analysis ◽

Legal Research ◽

Risk Management System ◽

Technical Risk ◽

Financing Risk ◽

Islamic Financial Institutions ◽

Qualitative Descriptive

Risk management at Islamic financial institutions is still implementing bank Indonesia (BI) and Financial Services Authority (OJK) policies which previously applied the same to conventional financial institutions. The perfection of the enforcement of sharia principles in sharia financing institutions is not enough only in the aspect of transactional mechanisms, it needs to be supported by a sharia-based risk management system. The focus of this research includes the characteristics of Islamic financing, juridical aspects in the principle of prudence, and an overview of the maslahah of the urgency of sharia-based risk management. This research is normative legal research using a statutory approach and a benefits approach with a qualitative descriptive analysis. The results of the discussion show that a dynamic system also needs to be supported by juridical aspects to provide the legal force with the realization of regulatory solidity. At this regulatory level, in addition to the regulations issued by the OJK, the DSN-MUI fatwa is also very necessary and has a very urgent position. Because financing risk management is also part of the sharia economy that must maintain sharia principles, lest the application of sharia principles only exists in product technicalities, but does not apply to technical risk management. The expected sharia is the application of total sharia principles (kaffah), not partial ones.

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ANALISIS TINGKAT KESEHATAN BANK UMUM SYARIAH DAN UNIT USAHA SYARIAH DENGAN METODE CAMELS DAN RGEC

El Dinar ◽

10.18860/ed.v3i1.3341 ◽

2016 ◽

Vol 3 (1) ◽

Author(s):

Lotus Mega Fortrania ◽

Ulfi Kartika Oktaviana

Keyword(s):

Financial Services ◽

Quantitative Research ◽

Secondary Data ◽

Business Unit ◽

Business Units ◽

Good Corporate Governance ◽

Bank Institution ◽

The Face ◽

Composite Rating ◽

Public Banks

Banking should always be assessed health to stay fit in serving the customers, the Bank that classified unhealthy can inflict the bank institution itself and of the others, namely the customers of the bank. To assess a health bank can be viewed from various aspects of assessment, this research aimed to determine whether the bank is in a very healthy, healthy, healthy enough, less healthy or unhealthy. There were several methods that can be used to assess or analyze the health of the banking, namely CAMEL, CAMELS and RGEC. This research was a quantitative research, with descriptive approach. The data used was secondary data on 34 banking companies consisted of 11 companies of Syaria public banks and 23 companies of Syaria business units. Analysis conducted in this study was to use the calculation of financial ratios that have been set by the financial services authority. The results showed that the health level of Syaria public Bank and Syaria Business Unit with using CAMELS method and RGEC showed health predicate of the bank in accordance with the standards set by Bank Indonesia, for the period 2011 can be concluded that the Syaria public Banks and Sharia Business Unit of composite rankings ”HEALT”, the period of 2012 with the conclusion of composite rating ”HEALT”, and for the period of 2013 with the conclusion of composite rating ”HEALT”. RGEC method can be said to be better than in the two previous methods, namely CAMELS and CAMEL, through RGEC, BI (Bank Indonesia) wanted banks to be able to identify problems early, performed the appropriate and faster follow-up improvements, and implemented Good Corporate Governance (GCG) and better risk management so banks will be more resilient in the face of crisis

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Implementasi Manajemen Resiko Syariah Dalam Koperasi Syariah

Asy-Syukriyyah ◽

10.36769/asy.v20i2.80 ◽

2019 ◽

Vol 20 (2) ◽

pp. 30-50

Author(s):

Wahyu Hidayat

Keyword(s):

Risk Management ◽

Financial Services ◽

Swot Analysis ◽

Business Activity ◽

Legal Risk ◽

Risk Margin ◽

Business Operations ◽

Long Run ◽

Financing Risk ◽

The Right

The existence of sharia risk management is to guarantee the existence of a Sharia Cooperative in the long run. With sharia risk management, it is expected to be able to provide guidance for the Sharia / Baitul Maal Wa Tamwil Cooperative in implementing sharia risk management in its business operations, especially for cooperatives that are engaged in sharia financial services or known as Sharia Credit and Financing Cooperatives (KSPPS) . In any business activity it has the potential to risk. Risk is defined as uncertainty caused by changes. There are various kinds of risks in the operations of sharia cooperatives such as financing risk, liquidity risk, margin, organization, solvency, operational, capital, legal risk and compliance with sharia principles. Risk management is done so that the risk can be minimized to a minimum, so that plans and targets that have been planned can be realized so as to produce benefit. In the implementation of risk management in Islamic cooperatives can combine SWOT analysis, prudential concept with 5C and Maqosid Syariah. In principle, every business activity has a risk, but we can minimize the risk to the lowest point if we do it in the right way and according to sharia.

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