scholarly journals Implementasi Manajemen Risiko Untuk Kredit Macet Konsumtif Di Bank Mandiri Kantor Cabang Jakarta Mampang Prapatan

2019 ◽  
Vol 15 (2) ◽  
pp. 277-292
Author(s):  
Hardiyati Kartini Hasibuan ◽  
Ai Annisa Utami ◽  
Khoirul Umam
Keyword(s):  
Risk Management ◽  
Interest Rates ◽  
Financial Services ◽  
Rapid Development ◽  
Sampling Technique ◽  
Working Capital ◽  
Credit Policy ◽  
The People ◽  
Risk Management Process ◽  
Micro Credit

The rapid development of the banking industry with the increasing complexity of bank business activities and increasing credit exposure, will accelerate rapidly. The bank collects funds from additional funds and distributes funds in the form of loans or funds to the people in need, both for working capital and consumption investments. Increasingly tight competition also occurs between banks with each other. Among them by issuing or launching financial services products with various types and interest rates. This research is a qualitative research by following a study conducted over a period of 1 year, describing the risk management process carried out by one of the branches of Bank Mandiri in Mampang Prapatan Jakarta, a method of data collection conducted through observation, interviews, and comparative studies of respondents who comprise from 4 people who included employees from Micro Banking Managers, Micro Credit Analysts, Micro Credit Sales, and sub-branch managers. The sampling technique used is purposive sampling. The results of the research that show the risks involved in the Micro Bank Mandiri Branch Mampang Prapatan have implemented risk management in accordance with BI regulations No.11 / 25 / PBI / 2009 and regulations made by the Directors of PT. Bank Mandiri, called the KPKD or Credit Policy. However, the application of risk management has not been carried out maximally.

scholarly journals THE URGENCY OF FATWA IN THE LAW OF SHARIA ECONOMICS IN INDONESIA

2021 ◽  
Vol 20 (2) ◽  
pp. 201
Author(s):  
Elsy Renie
Keyword(s):  
Financial Institutions ◽  
Financial Services ◽  
Rapid Development ◽  
Economic Activities ◽  
Financial Products ◽  
The People ◽  
The Law

Fatwas of the National Sharia Council-Indonesian Ulama Council (DSN-MUI), in the field of sharia economics, has filled the legal vacuum related to the economic activities of the people. The increased of activity in the Mu'amalah area which is so fast requires a responsive fatwa. It can be seen from the rapid development of financial products for sharia financial institutions today. The legal strength of a fatwa is non-binding because it is not included in the constitution hierarchy in Indonesia which has caused debate for some people. But, several DSN-MUI fatwa have been transformed into part of national law, such as constitution No. 21 of 2008 concerning Banking, and some of which have also been absorbed into Bank Indonesia regulations, Syari'ah Financial Services Authority Regulation (OJK). This paper tries to analyze the role of fatwas in filling the legal vacuum in the development of the shari'ah economy in Indonesia and how the fatwas of the DSN-MUI can be transformed into national law. The author concludes that the role of DSN-MUI as the only institution that issued a fatwa related to the activities of shari'ah financial institutions in Indonesia is very important in the area of national legal politics.

scholarly journals Venturing to the Far Reaches

2005 ◽  
Vol 127 (09) ◽  
pp. 38-40
Author(s):  
Michael Stamatelatos
Keyword(s):  
Risk Management ◽  
Management Process ◽  
The People ◽  
Risk Management Process ◽  
Undesired Event ◽  
Project Risks ◽  
Probabilistic Risk Assessments ◽  
Frequency Probability ◽  
And Control ◽  
Technological Options

This article discusses that it is a testament to the hard work and ingenuity of the engineers working in the space program that such complicated systems get launched successfully. To the people who study it professionally, risk is the probability, or frequency (probability per unit time), and the consequence (severity) of an undesired event, and the uncertainties associated with the estimated probabilities and consequences. NASA has adopted a “continuous risk management” process for all its programs and projects. This process begins with the identification and analysis of program or project risks that impact success criteria. The risk management process continues with risk analysis, planning, tracking, and control. All unacceptable risks are dealt with before a project or program can proceed. Probabilistic risk assessments (PRA) are useful in every phase of a mission life cycle, not just at design or before launch. A PRA performed in the design phase can help identify the risks associated with systems and components and with technological options.

scholarly journals ANALISIS SUKU BUNGA, INFLASI DAN KREDIT MACET MODAL KERJA DI INDONESIA

2019 ◽  
Vol 1 (2) ◽  
pp. 409
Author(s):  
Poeja Maura ◽  
Yeniwati Yeniwati
Keyword(s):  
Interest Rate ◽  
Interest Rates ◽  
Significant Relationship ◽  
Financial Services ◽  
Negative Relationship ◽  
Secondary Data ◽  
Coefficient Of Determination ◽  
Linear Regression Models ◽  
Working Capital ◽  
Library Studies

This study aims to determine the effect of reference interest rates on inflation and bad credit working capital and also see how the effect of inflation on bad credit working capital in Indonesia. The type of research used is descriptive and associative research, namely research that describes the research variable and finds the presence or absence of influence between the independent variable and the dependent variable. The type of data in this study are quantitative secondary data and time series from 2016M6-2018M11 with documentation data collection techniques sourced from Bank Indonesia (BI), Financial Services Authority (OJK), Central Statistics Agency (BPS), and other library studies . Data were analyzed using multiple linear regression models with steps: (1) classical assumptions, (2) hypothesis testing, and (3) test coefficient of determination (R2). The results of this study indicate that: (1) The benchmark interest rate has a negative and significant relationship to inflation. (2) The reference interest rate has a positive and significant relationship to non-performing loans of working capital in Indonesia. (3) Inflation has a non-significant and negative relationship to non-performing loans of working capital in Indonesia. This study aims to determine the effect of reference interest rates on inflation and bad credit working capital and also see how the effect of inflation on bad credit working capital in Indonesia. The type of research used is descriptive and associative research, namely research that describes the research variable and finds the presence or absence of influence between the independent variable and the dependent variable. The type of data in this study are quantitative secondary data and time series from 2016M6-2018M11 with documentation data collection techniques sourced from Bank Indonesia (BI), Financial Services Authority (OJK), Central Statistics Agency (BPS), and other library studies . Data were analyzed using multiple linear regression models with steps: (1) classical assumptions, (2) hypothesis testing, and (3) test coefficient of determination (R2). The results of this study indicate that: (1) The benchmark interest rate has a negative and significant relationship to inflation. (2) The reference interest rate has a positive and significant relationship to non-performing loans of working capital in Indonesia. (3) Inflation has a non-significant and negative relationship to non-performing loans of working capital in Indonesia. <w:LsdException Locked="false" Priority="40" Name="Grid

scholarly journals RISKS OF INNOVATIVE ACTIVITY: ECONOMIC AND LEGAL ANALYSIS

2020 ◽  
Vol 6 (1) ◽  
pp. 67
Author(s):  
Nataliia Kuznietsova ◽  
Liudmyla Kot ◽  
Oleksii Kot
Keyword(s):  
Risk Management ◽  
Rapid Development ◽  
Legal Regulation ◽  
Innovative Activity ◽  
Management Process ◽  
Negative Consequences ◽  
Business Decision ◽  
Innovative Project ◽  
Risk Management Process ◽  
The Impact

As experience in the development of the economy of different countries shows, risk is an integral factor in a market economy. The rapid development of science and technology, the emergence of new technologies, their implementation into production, the increase in the number of innovative projects give rise to new types of risks, which, in turn, complicate social relations. The lack of a unified approach to the scientifically justified definition of risk, its features, classification criteria, as well as the lack of a conceptual and categorical component necessitates the further study of risk in law, which is reflected in the qualitative legal regulation of the relations of participants. The subjects of the research are the economic and legal aspects of innovative activity risks. Accordingly, the purpose of the article is a study of the nature of risk, the main classification features, defining the role and place of legal risks, identifying the main approaches to risk management of innovative projects. To achieve this goal, we have used the following research methods: analysis and generalization of theoretical sources and scientific literature; abstractlogical method in the process of theoretical generalizations and formation of conclusions; general scientific methods of analysis and synthesis. In the result of the research conducted it is determined that the risk of an innovative project is a set of risks that combine the elements associated with a particular innovative project, that is, for each specific project and the entity that develops, implements and manages the project will be its own set of risks. A prerequisite for business decision-making is the skills and ability to manage risk, which is to determine its acceptable limits, taking into account the potential negative consequences, which, among other things, will minimize the impact of the risk factor on the planned economic outcome of the introduction of innovation. A crucial factor in ensuring the success of the innovative risk management process is interaction at all stages, in particular during the identification, analysis, evaluation, control, monitoring of risks. Engaging and understanding the risk management process and its need for all project participants ensures the effectiveness of structural and organizational risk management measures. Effective risk management requires commitment, as well as the conscious behavior of each person. The motivation and interaction of the parties involved in the project ultimately determine the quality of the work and therefore the success of the project.

scholarly journals SHARIAH RISK MANAGEMENT PROCESS FOR ISLAMIC FINANCIAL INSTITUTIONS IN THE CONTEXT OF SHARIAH GOVERNANCE FRAMEWORK 2010

2017 ◽  
Author(s):  
Rusni Hassan ◽  
Ahmad Azam Othman ◽  
Muhammad Naim Omar ◽  
Mohammad Deen Mohd. Napiah ◽  
Mohamad Asmadi Abdullah ◽  
...  
Keyword(s):  
Risk Management ◽  
Financial Institutions ◽  
Financial Services ◽  
Management Process ◽  
Islamic Banks ◽  
Regulatory Requirements ◽  
Governance Framework ◽  
Risk Management Process ◽  
Islamic Financial Institutions ◽  
Shariah Governance

Abstract: Shariah compliance is the backbone of Islamic banks. As an institution established within the ambit of Shariah, Islamic banks are expected to ensure that their aims, activities, operations and management adhere to the Shariah principles and values. Failure to comply with Shariah, will expose Islamic Financial Institutions (IFIs) to Shariah non-compliance risk. Subsequently, it is an essential duty of the IFIs to manage Shariah risk properly. In order to effectively manage the risk vulnerability of the IFIs, proper measures for risk management have been put in place in different frameworks that are either domestic or international based. In the Malaysian context, IFIs are guided by relevant regulations such as the Shariah Governance Framework 2010, IFSB principles and Islamic Financial Services Act 2013 with regards to Shariah risk management. This research examined the regulatory requirements of the Shariah risk management process for Islamic financial institutions that operate in Malaysia, in the context of the Guidelines on Shariah Governance Framework 2010 issued by the Central Bank of Malaysia. The paper discusses the concept of “risk”, “Shariah risk” and “Shariah non-compliant risk” in the context of Islamic Financial Institutions and also examines the process adopted by the Malaysian IFIs in managing the Shariah risk. The hypotheses that the paper seeks to establish are that there are differences between the concept of Shariah risk and Shariah non-compliant risk; and that the Shariah risk management process adopted by the IFIs are different than the conventional risk management process due to the unique features and requirements of the IFIs.   Keywords: Shariah, Risk management, Islamic Financial Institutions.   Abstrak: Pematuhan Syariah adalah tulang belakang bank Islam. Sebagai sebuah institusiyang ditubuhkan dalam bidang Syariah, bank Islam dijangka memastikan bahawa matlamat, aktiviti, operasi dan pengurusan mereka mematuhi prinsip dan nilai Syariah. Kegagalan mematuhi Syariah, akan mendedahkan Institusi Kewangan Islam (IFIs) kepada risiko ketidakpatuhan Syariah. Selepas itu, adalah tanggungjawab penting IFI untuk menguruskan risiko Syariah dengan betul. Untuk mengatasi kelemahan risiko IFI secara berkesan, langkah-langkah yang sewajarnya untuk pengurusan risiko telah dilaksanakan dalam rangka kerja yang berbeza sama ada di dalam negeri atau antarabangsa. Dalam konteks Malaysia, IFI dipandu oleh peraturan yang berkaitan seperti Rangka Kerja Tadbir Urus Syariah 2010, prinsip IFSB dan Akta Perkhidmatan Kewangan Islam 2013 berkaitan dengan pengurusan risiko Syariah. Kajian ini mengkaji keperluan pengawalseliaan proses pengurusan risiko Syariah untuk institusi kewangan Islam yang beroperasi di Malaysia, dalam konteks Garis Panduan mengenai Rangka Tadbir Urus Syariah 2010 yang dikeluarkan oleh Bank Negara Malaysia. Makalah ini membincangkan konsep “risiko”, “risiko Syariah” dan “risiko tidak patuh Syariah” dalam konteks Institusi Kewangan Islam dan juga mengkaji proses yang diterima pakai oleh IFI Malaysia dalam menguruskan risiko Syariah. Hipotesis ini bertujuan untuk melihat perbezaan antara konsep risiko Syariah dengan risiko tidak patuh Syariah; dan proses pengurusan risiko Syariah yang diterima pakai oleh IFIs adalah berbeza daripada proses pengurusan risiko konvensional disebabkan oleh ciri-ciri unik dan keperluan IFI.   Kata kunci: Syariah, Pengurusan risiko, Institusi Kewangan Islam.

scholarly journals PENGARUH STRATEGI PROMOSI INDIHOME TERHADAP MINAT KONSUMEN DI KOTA BIMA

2021 ◽  
Vol 5 (2) ◽  
pp. 142-151
Author(s):  
Muhammad Aras Nuryakin ◽  
Herry Nurdin
Keyword(s):  
Rapid Development ◽  
Sampling Technique ◽  
Strong Relationship ◽  
Primary Data ◽  
Network Access ◽  
Promotion Strategy ◽  
Access Technology ◽  
Consumer Interest ◽  
Fiber Optic Network ◽  
The People

The rapid development of network access technology and internet-based technology makes it possible for service operators to be able to provide various services, one of which is fiber optic network services. This study aims to determine and analyze the effect of Indihome's promotional strategy on consumer interest in Bima City. This type of research is associative by using quantitative data from primary data sources. The research instrument is a Likert scale questionnaire. The population used in this study is all Indihome WIFI users in Bima City, the number of which is not known with certainty. The sample in this study was 96 respondents using the Bernoulli formula. The sampling technique in this study is purposive sampling, which is a sampling technique with certain considerations, what the authors consider from the sample to be studied are the people of Bima City who already know about the existence of Indihome products offered by PT. Telekomunikasi Indonesia, Tbk. The results showed that the Indihome promotion strategy had an effect on consumer interest in the City of Bima with a strong relationship level and the effect was 37.8%.

scholarly journals Smallholder Farmers’ Formal Risk Management Services: Evidence from Southeast Nigeria

2021 ◽  
Vol 4 (1) ◽  
pp. p46
Author(s):  
Augustine Odinakachukwu Ejiogu ◽  
Nneka Maris Chidiebere-Mark ◽  
Ebenezer Okechukwu Emeribe
Keyword(s):  
Risk Management ◽  
Financial Services ◽  
Smallholder Farmers ◽  
Sampling Technique ◽  
Agricultural Insurance ◽  
Multi Stage ◽  
Resource Poor ◽  
Agricultural Investments ◽  
External Intervention ◽  
Management Services

Smallholder farmers’ livelihood activities are mainly centred on agricultural investments which are inherently risky. The risky nature of agricultural activities is further complicated by the fact that resource-poor smallholder farmers operate in an environment with weak markets and less than satisfactory financial services. Formal risk management services hold out the expected external intervention for aiding the resource-poor farmers break out of the vicious circle of poverty. Not all formal risk management services are actually tailored to the scope the smallholder farmers. This study therefore set out to examine the formal risk management services employed by the smallholder farmers in southeast Nigeria. A multi-stage sampling technique was adopted in selecting respondents. Out of 504 smallholder farmers selected, data were successfully collected from 494. Functional analysis, descriptive and inferential statistics were used in data analysis. Results showed that 37% of the smallholder farmers employed formal risk management services; 17.68% subscribed to and utilized direct formal risk management services provided by the Nigerian Agricultural Insurance Corporation. There was a sufficiently deficient use of formal risk management services by smallholder farmers in Southeast Nigeria. It is recommended that the Nigerian Agricultural Insurance Corporation should tailor its services to the needs of the smallholder farmers.

PENGARUH TRANSPARANSI PENGELOLAAN KEUANGAN DANA DESA DAN PEMBERDAYAAN MASYARAKAT TERHADAP KESEJAHTERAAN MASYARAKAT DESA SIDOHARJO

2020 ◽  
Vol 28 (1) ◽  
pp. 35-50
Author(s):  
Dewi Kusuma Wardani ◽  
Ratih Ranika Putri Utami
Keyword(s):  
Financial Management ◽  
Linear Regression Analysis ◽  
Sampling Technique ◽  
Multiple Linear Regression Analysis ◽  
Community Empowerment ◽  
Primary Data ◽  
Community Members ◽  
The People ◽  
Quantitative Descriptive ◽  
Positive Effect

This study aims to determine the effect of transparency in financial management of village funds and community empowerment on community welfare in Sidoharjo Village, Tepus District, Gunungkidul Regency. This research method uses quantitative descriptive methods and primary data using questionnaires. This study took a sample of residents who were divided into 11 hamlets in Sidoharjo Village, Tepus District, Gunung kidul Regency. The sampling technique is stratified random sampling. Data collection is done by distributing questionnaires directly to people’s homes, attending social gatherings and routine meetings held by community members. It aims to obtain more data from respondents directly. The number of questionnaires processed was 120 questionnaires. Data were analyzed using multiple linear regression analysis. The results of this study indicate that community empowerment has a positive effect on the welfare of the people of Sidoharjo Village, Tepus District, Gunungkidul Regency, while transparency in financial management of village funds does not affect the welfare of the community in Sidoharjo Village, Tepus District, Gunungkidul Regency.

Design Thinking as a Tool for the Analysis of Project Risks

2019 ◽  
Vol 16 (6) ◽  
pp. 60-77
Author(s):  
E. V. Vasilieva ◽  
T. V. Gaibova
Keyword(s):  
Risk Management ◽  
Risk Analysis ◽  
Design Thinking ◽  
Management Tools ◽  
Project Risk ◽  
Team Members ◽  
Investment Projects ◽  
Risk Management Process ◽  
Project Objectives ◽  
Project Risk Analysis

This paper describes the method of project risk analysis based on design thinking and explores the possibility of its application for industrial investment projects. Traditional and suggested approaches to project risk management have been compared. Several risk analysis artifacts have been added to the standard list of artifacts. An iterative procedure for the formation of risk analysis artifacts has been developed, with the purpose of integrating the risk management process into strategic and prompt decision-making during project management. A list of tools at each stage of design thinking for risk management within the framework of real investment projects has been proposed. The suggested technology helps to determine project objectives and content and adapt them in regards to possible; as well as to implement measures aimed at reducing these risks, to increase productivity of the existing risk assessment and risk management tools, to organize effective cooperation between project team members, and to promote accumulation of knowledge about the project during its development and implementation.The authors declare no conflict of interest.

Analisis Pengembalian Kredit Terhadap Profitabilitas Pada PT Bank Sumut Cabang Gunungsitoli

Owner ◽  
2019 ◽  
Vol 3 (2) ◽  
pp. 160
Author(s):  
Victorinus Laoli
Keyword(s):  
Data Collection ◽  
Positive Influence ◽  
Business Continuity ◽  
Working Capital ◽  
The People ◽  
Data Collection Technique

One manifestation of the important role of banking in a region, as implemented by PT Bank Sumut, Gunungsitoli Branch, is to distribute loans for investment, consumption and working capital for the people in the area. The purpose of providing credit for banks is the return of credit that earns interest and can increase income to finance activities and business continuity. From the results of research conducted with this data collection technique, it shows that PT Bank Sumut has a number of loans from 2009 to 2014 which each year rises. From this study, it is also known that the rate of credit repayment has a positive influence on the level of profitability.

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