scholarly journals Financing Risk Management of Small and Medium-sized Technological Enterprises in China

2017 ◽  
Author(s):  
Jianghai Qi ◽  
Jinmian Han
Keyword(s):  
Risk Management ◽  
Financing Risk

scholarly journals MANAJEMEN RISIKO PEMBIAYAAN MUSYARAKAH MUTANAQISAH DI BANK MUAMALAT INDONESIA KC MAS MANSYUR SURABAYA

2020 ◽  
Vol 6 (1) ◽  
pp. 188
Author(s):  
Gea Papurane Langi ◽  
Imron Mawardi
Keyword(s):  
Risk Management ◽  
Research Method ◽  
Market Risk ◽  
Qualitative Approach ◽  
Case Study Method ◽  
Islamic Bank ◽  
Data Collecting ◽  
Financing Risk ◽  
Branch Office

This research is done to see any risks that happened in Islamic bank, which can damage the bank. While it aims to find out the strategy used by Bank Muamalat Indonesia (BMI) to reduce the risk faced and often happened in the field. The research method uses a qualitative approach with a case study method. Data collecting was done by relating proposed questions and the conclusion made from the result of the interview with Branch Manager (BM), Relation Manager, and Remedial BMI of Branch Office of Mas Mansyur. The result of this research showed that BMI of Mas Mansyur Branch Office had done the process of risk management by identifying risk in the manner of finding out the existing risks which are financing risk; market risk; and ownership risk, measuring and monitoring the risks in the manner of doing measurement to find out and see any reason that causes those risks exist, and controlling and managing the existing risks in Musyarakah Mutanaqisah (MMQ) financing in the manner of ways that have already determined by BMI of Mas Mansyur Branch Office. The last is by monitoring the risks in MMQ financing at BMI of Mas Mansyur Branch Office.Keywords: Risk Management, Risk, Financing, Musyarakah Mutanaqisah, Bank Muamalat Indonesia

scholarly journals ANALISIS MANAJEMEN RISIKO PEMBIAYAAN MURABAHAH DI PT BPRS ARTHA MADANI KANTOR PUSAT BEKASI

Paradigma ◽  
2020 ◽  
Vol 17 (2) ◽  
pp. 6-20
Author(s):  
Zahrina Wardatul Fawziyah ◽  
Isfandayani
Keyword(s):  
Risk Management ◽  
Management Strategy ◽  
Management Strategies ◽  
Islamic Banks ◽  
Risk Management Strategy ◽  
Strategy Analysis ◽  
Internal Factors ◽  
Legal Risk ◽  
Risk Management Strategies ◽  
Financing Risk

Risk management is an important effort that must be made by Islamic Banking to minimize risk. This research is a qualitative research and the methods used are interviews, documentation, and observation. The research objective was to determine the types of risks in murabahah financing and the strategy of PT. BPRS Artha Madani in overcoming these risks and to find out the analysis of the implementation of risk management strategies carried out by PT. BPRS Artha Madani Head Office Bekasi.Based on the results of the study it is known that the risk management strategy analysis of PT. BPRS Artha Madani using Bank Indonesia Regulation No. 13/23/PBI/2011 and 5 C principles consist of Character, Capacity, Capital, Collateral and Condition of Economy. However, despite implementing the risk management strategy, banks continue to experience risks, namely in the form of: credit risk (in Islamic banks called as financing risk), operational risk and legal risk due to bank internal factors in analyzing and external factors from customers.PT. BPRS Artha Madani in resolving troubled financing with intensive billing, reprimand to customers if they do not fulfill their obligations, make a restructuring by rescheduling, reconditioning and restructuring if the financing can still be normalized. However, if there is no hope and the Customer is not able to, then the solution is guaranteed that can be auctioned through litigation or non-litigation channels.

scholarly journals Non-Performing Finance in Sharia Financial Institutions in Indonesia: A Case Study Of BPRS Adeco (Aceh Development Corporate)

2019 ◽  
Vol 11 (1) ◽  
Author(s):  
Nur Hidayah ◽  
Tabrani Tabrani
Keyword(s):  
Risk Management ◽  
Financial Institutions ◽  
Islamic Banks ◽  
Structured Interviews ◽  
Financing Risk ◽  
City District ◽  
Conventional Banks ◽  
High Level ◽  
Finance Risk

High level of Non-Performing Finance (NPF) has become one of risks facing intermediary financial institutions including Islamic banks. Indonesia’s Financial Authority found that NPF ratio of Islamic banks is relatively higher (4,12%) that the one of conventional banks (2,96%) (OJK 2017). Literature indicate the influence of bank’s internal and external factors on high NPF. This study aims to analyze the factors that influence the high level of NPF and its settlement and strategies to reduce the level of NPF in Sharia Rural Banking (BPRS/Bank Perkreditan Rakyat Syariah). Taking BPRS Adeco (Aceh Development Corporate) in Langsa City District, Aceh, as a case study, this research takes a qualitative approach. Through a survey to 26 BPRS Adeco employees and semi-structured interviews with 4 employees, this study found three factors leading to an increase in the NPF ratio, namely weak bank’s financing risk management, changing economic conditions and regulations, and the conditions of customers who are vulnerable to socio-economic change. It found that the NPF can be gradually resolved by intensifying the communication to the delinquent customers followed by policies of restructuring the customers’ financing. It also found that the strategies to reduce NPF ratios include improving bank risk financing management, upgrading the quality of human resources in risk management, and providing business mentoring and coaching to the customers. It can be concluded that the strategies made by the BPRS ADECO succeeded in reducing the NPF rate from 15.62% in the June 2012 period to 3.60% in the December 2018 period. The finding implies that Islamic financial institutions, including BPRS, urgently need good finance risk management, particularly in monitoring the financed customers’ business and in mitigating external conditions of the economy and their changing related regulations in order to settle the problem of non-performing finance and to strengthen their finance risk management.

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

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.  .

scholarly journals Penerapan Manajemen Risiko pada Tingkat Efisiensi Keuangan di Bank DKI Jakarta

Owner ◽  
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.

Algorithm Realization of GUI Visualization Window Based on Numerical Simulation of Matlab

2014 ◽  
Vol 556-562 ◽  
pp. 3868-3871
Author(s):  
Ming Shi Zhou
Keyword(s):  
Numerical Simulation ◽  
Risk Assessment ◽  
Risk Management ◽  
Assessment Model ◽  
Calculation Error ◽  
Risk Assessment Model ◽  
Validity And Reliability ◽  
Financing Risk ◽  
Investment And Financing ◽  
Enterprise Investment

This paper uses EVA investment objective function and benefits to establish the risk assessment model of enterprise investment and financing combination, and expounds the specific processes of computer EVA investment and financing risk management and designs the elimination matrix algorithm. In order to validate the validity and reliability of risk assessment model designed in this paper, the third part has designed numerical simulation of MATLAB, and an enterprise's 2011-2013 financial statements is took as an example to assess enterprise investment and financing risk. It can find that through calculation, the calculation error can achieve good convergence effects in 20s, and obtain the MATLAB GUI visualization window of enterprise investment and financing EVA accounting. It can identify enterprise year EVA profit value by using visualization window, which provides theoretical reference for enterprises investment and financing risk management.

Based on the ISM Model of REITs Endowment Property Financing Risk Analysis

2014 ◽  
Vol 1030-1032 ◽  
pp. 2523-2526
Author(s):  
Hai Min Wei ◽  
Lian Yue
Keyword(s):  
Risk Factors ◽  
Risk Management ◽  
Risk Analysis ◽  
Risk Model ◽  
Financing Risk ◽  
Financing Pattern ◽  
New Form ◽  
The Relationship

Endowment property is prevalent a new form of social endowment in China in recent years, But financing has become one of the bottleneck for its smooth development. In this paper, the author combing the various risk factors of REITs financing pattern, using ISM model to analysis the factors involved in grading evaluation, rendering risk model diagram to explain the structure, resulting the relationship between the various risk factors, clear the direction of risk management

scholarly journals Manajemen Risiko Pembiayaan Ijarah Pada Koperasi Syariah Pilar Mandiri Surabaya

2017 ◽  
Vol 4 (7) ◽  
pp. 547
Author(s):  
Ahmad Asy’fin Basthomi ◽  
Achsania Hendratmi
Keyword(s):  
Risk Management ◽  
Financial Institution ◽  
Qualitative Approach ◽  
Management Process ◽  
Business Activity ◽  
Case Study Method ◽  
Interview Technique ◽  
Risk Management Process ◽  
Financing Risk

Sharia Financial Institution especially Sharia Cooperative needs a series of procedure and methodology which can be used to identify, measure, mitigate and supervise the risk that will be appear from business activity as well as in Ijara financing channeled. A series of procedures are known as risk management. The purpose of this study is to know and analyze how management process does on Sharia Cooperative of Pilar Mandiri Surabaya. This study uses qualitative approach with case study method. Data collection techniques uses direct interview technique to the related objects. The result of this study shows that Sharia Cooperative of Pilar Mandiri performed risk management process on the identification, mitigation, assessment or measurement and risk controlling stage. The major risk focus is financing risk that members or prospective members have congestion or failure about meet the financing payment obligation.

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