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

2020 ◽  
Vol 1 (1) ◽  
pp. 11
Author(s):  
Sofyan Halim
Keyword(s):  
Risk Management ◽  
Financial Services ◽  
Quantitative Method ◽  
Positive Relationship ◽  
Statistical Tests ◽  
Risk Control ◽  
Profit Sharing ◽  
Business Unit ◽  
Business Units ◽  
Financing Risk

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.

scholarly journals Operational Risk Management under Basel II - The Case of An Binh Joint Stock Bank

2016 ◽  
Vol 19 (4) ◽  
pp. 108-126
Author(s):  
Trung Quoc Trinh ◽  
Thuy Thu Pham
Keyword(s):  
Risk Management ◽  
Financial Services ◽  
Commercial Banks ◽  
Banking System ◽  
Operational Risk ◽  
Business Environment ◽  
Basel Ii ◽  
Global Market ◽  
Local Market ◽  
Operational Risk Management

In order to enhance commercial banks’ safety in financial services, Basel Committee on Banking Supervision issued a framework on operational risk management under Basel II. In an ever riskier business environment, it is necessary for Vietnam’s commercial banks to increase their competencies in risk management, especially in operational risk management. This is to ensure a sustainable development for banks in the local market and in the global market as well. In recent years, Vietnam’s commercial banks have developed systems for operational risk management. Therefore, the performance assessment is of importance to improve and enlarge applications on operational risk management, from perceptions, corporate’s culture, procedures to other supportive measures on the field of risk management in Vietnam’s banking system.

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.

ANALISIS PROFITABILITAS TERHADAP BEBAN RISIKO OPERASIONAL PERBANKAN SYARIAH DI PANDEMI COVID-19

2021 ◽  
Vol 10 (2) ◽  
pp. 118-131
Author(s):  
Muhlis ◽  
Izzatun Maghfirah ◽  
Dewi Puspita Sari
Keyword(s):  
Regression Analysis ◽  
Financial Services ◽  
Commercial Banks ◽  
Secondary Data ◽  
Operational Risk ◽  
Islamic Banking ◽  
Economic Sector ◽  
Business Units ◽  
Banking Institutions ◽  
Independent Variable

The Covid-19 pandemic that happened in Indonesia certainly affected many aspects of life, including the economic sector. Furthermore, in Islamic banking institutions, this institution serves as an intermediary between the collection and distribution of funds to customers. So that the pandemic can affect this sector in financial performance, especially in the profitability of institutions. In this study, profitability uses the ROA ratio in both Islamic Commercial Banks and Sharia Business Units, as well as operational risk burden as an independent variable. The data used in this study is secondary data from the official website of the Financial Services Authority which was analyzed using multiple regression analysis, classical assumption test, and determinant coefficients in SPSS. The results showed that the ROA BUS and UUS variables did not have a significant effect on the operational risk burden, while the determinant coefficient showed 44.9%.

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 PENGARUH INFLALSI, NILAI TUKAR, BI RATE DANFINANCING TO DEPOSIT RATIO (FDR) TERHADAP TABUNGAN MUDHARABAH PADA BANK UMUM SYARIAH DAN UNIT USAHA SYARIAH DI INDONESIA TAHUN 2014-2018

2019 ◽  
Vol 11 (1) ◽  
pp. 51-64
Author(s):  
Diyah Ayu Wulansari ◽  
A.Saiful Aziz
Keyword(s):  
Regression Analysis ◽  
Exchange Rate ◽  
Linear Regression ◽  
Exchange Rates ◽  
Financial Services ◽  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Secondary Data ◽  
Multiple Linear Regression Analysis ◽  
Business Units

This study aims to analyze the influence of Inflation, Exchange Rates, BI Rate and Financing to Deposit Ratio (FDR) on the amount of Mudharabah Savings in Islamic Commercial Banks and Sharia Business Units in Indonesia from January 2014 - December 2018. This study uses secondary data in the form of month data January 2014 to December 2018 sourced from data from Bank Indonesia and the Financial Services Authority using multiple linear regression analysis. This study uses SPSS version 16.0 and Microsoft Exel 2007. The results of the study show that the Exchange Rate, BI Rate, and Financing to Deposit Ratio partially have a significant effect on the amount of mudharabah savings. While partial inflation has no significant effect on Mudharabah Savings. Simultaneously Inflation, Exchange Rate, BI Rate, and Financing to Deposit Ratio significantly influence Mudharabah Savings.

scholarly journals RISK MANAGEMENT IN THE PROVISION OF PEOPLE’S BUSINESS CREDIT AS IMPLEMENTATION OF PRUDENTIAL PRINCIPLES

2019 ◽  
Vol 4 (2) ◽  
pp. 194
Author(s):  
Hari Sutra Disemadi
Keyword(s):  
Risk Management ◽  
Human Resources ◽  
Financial Services ◽  
Commercial Banks ◽  
Financial Institution ◽  
Economic Conditions ◽  
The Public ◽  
Banking Risk

The bank is a financial institution that has an intermediary function that bridges the interests of parties who are excess funds (creditors) and those who need funds (debtors). Banks in channeling funds, among others, through the provision of credit to the public. However, loans issued by banks contain a lot of risk, one of them is People's Business Credit (KUR). Issues regarding the risks of granting credit above will be discussed in this study, which this study uses a normative juridical method using the statutory approach. This study shows the arrangements regarding risk management are regulated in PBI Number 11/25/PBI/2009 concerning the Application of Risk Management in Commercial Banks and in Regulation of the Financial Services Authority Number 18 / POJK.03 / 2016 Regarding the Implementation of Risk Management for Commercial Banks. The implementation of the prudential principle internally for a bank's Human Resources (HR) is to apply the Banking Risk Management Principles. Banking practices usually assess five aspects of debtors (the five C’s analysis), namely: character, capital, capacity, economic conditions and collateral.

scholarly journals Good Corporate Governance, Capital Adequacy, Financing Risk, Profitability and Islamic Social Reporting (ISR) of Sharia Commercial Banks in Indonesia

2021 ◽  
pp. 30-42
Author(s):  
Dwi Indriani Fidiastutik Wijaya ◽  
Agung Budi Sulistyo ◽  
Ahmad Roziq
Keyword(s):  
Corporate Governance ◽  
Financial Services ◽  
Commercial Banks ◽  
Sample Selection ◽  
Secondary Data ◽  
Sampling Technique ◽  
Capital Adequacy ◽  
Social Reporting ◽  
Good Corporate Governance ◽  
Financing Risk

Aims: To empirically evaluate Sharia commercial banks in Indonesia for good corporate governance, capital adequacy, financing risk, profitability, and Islamic Social Reporting (ISR). Study Design: Explanatory research with a quantitative approach and using secondary data. Place and Duration of Study: Sharia commercial banks registered with the Financial Services Authority in the period 2015-2019. Methodology: The sample selection used a purposive sampling technique and resulted in 7 Sharia commercial banks. Data analyzed using path analysis with SmartPLS 3.0. The analysis only uses the inner model evaluation because each variable in this study only uses one proxy or one indicator. Results: Good corporate governance and capital adequacy affects financing risk, good corporate governance, capital adequacy, and financing risk affects profitability, financing risk affects Islamic Social Reporting (ISR), while good corporate governance, capital adequacy, and profitability do not affect Islamic Social Reporting (ISR). Conclusions: Management should be able to create good corporate governance, manage capital adequacy to mitigate financing risk so that it can generate optimal profits for conducting sharia-based social activities and express it using the Islamic Social Reporting (ISR) as business transparency for stakeholders, thus increasing stakeholder confidence in the existence of Islamic commercial banks.

scholarly journals Keunggulan Bank Pembiayaan Rakyat Syariah “Amanah Ummah” Dalam Penerapan Fatwa Dewan Syariah Nasional dan Peraturan Otoritas Jasa Keuangan

2020 ◽  
Vol 4 (1) ◽  
pp. 17
Author(s):  
Andi Muhammad Asrun ◽  
Abdu Rahmat Rosyadi ◽  
Agus Satory ◽  
Yennie K. Milono ◽  
Ridwan Malik
Keyword(s):  
Financial Services ◽  
Commercial Banks ◽  
Secondary Data ◽  
Development Trend ◽  
Primary Data ◽  
Islamic Banking ◽  
Normative Approach ◽  
Business Units ◽  
Capital Assets ◽  
The Development Trend

AbstractIslamic People's Financing Bank (BPRS) is a bank that conducts business activities based on sharia principles which in its activities do not provide services in payment traffic. The development trend of BPRS since the enactment of Islamic banking law continues to increase. All BPRS activities are obliged to apply sharia principles which are stated by the National Sharia Board of the Indonesian Ulema Council (DSN-MUI). After the Financial Services Authority (OJK) was formed there is now a change in regulation that the enactment of the DSN-MUI fatwa must be included in the Financial Services Authority Regulation (P-OJK). Sharia banking problems that arise at this time generally occur in Sharia Commercial Banks (BUS), Sharia Business Units (UUS), as well as in Islamic People's Financing Banks (BPRS) in terms of applying sharia principles that are not consistent there is still not yet under the fatwa DSN-MUI which has become OJK regulations. Research on the BPRS Amanah Ummah was conducted on capital assets. This research was conducted with a juridical-normative approach that places the laws and regulations as the object of research originating from primary, secondary, and tertiary laws. Primary data were obtained through direct interviews with BPRS Amanah Ummah. While secondary data obtained from legislation, books, journals, and other documents. The results of the study concluded that the BPRS Amanah Ummah financing products have consistently applied the principles of Islamic banking based on the DSN-MUI Fatwa.Keywords: Excellence, Implementation, SRB, DSN Fatwa, OJK AbstrakBank Pembiayaan Rakyat Syariah (BPRS) adalah bank yang melaksanakan kegiatan usaha berdasarkan prinsip syariah yang dalam kegiatannya tidak memberikan jasa dalam lalu lintas pembayaran. Tren perkembangan BPRS sejak diberlakukan undang-undang perbankan syariah terus meningkat. Seluruh kegiatan BPRS wajib menerapkan prinsip-prinsip syariah yang difatwakan oleh Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI). Setelah dibentuk Otoritas Jasa Keuangan (OJK) saat ini telah terjadi perubahan regulasi bahwa pemberlakuan fatwa DSN-MUI harus masuk ke dalam Peraturan Otoritas Jasa Keuangan (P-OJK). Permasalahan perbankan syariah yang timbul saat ini secara umum terjadi pada Bank Umum Syariah (BUS), Unit Usaha Syariah (UUS), maupun pada Bank Pembiayaan Rakyat Syariah (BPRS) dalam hal penerapan prinsip-prinsip syariah yang belum konsisten, bahkan masih ada yang belum sesuai dengan fatwa DSN-MUI yang sudah menjadi peraturan OJK. Penelitian terhadap BPRS Amanah Ummah ini dilakukan pada aset permodalan. Penelitian ini dilakukan dengan pendekatan yuridis-normatif yang menempatkan peraturan perundang-undangan sebagai objek penelitian yang bersumber dari hukum primer, sekunder, dan tersier. Data primer diperoleh melalui wawancara langsung dengan pihak BPRS Amanah Ummah. Sedangkan data sekunder diperoleh dari peraturan perundang-undangan, buku, jurnal, dan dokumen lainnya. Hasil penelitian menyimpulkan bahwa dari produk-produk pembiayaan BPRS Amanah Ummah telah menerapkan prinsip-prinsip perbankan syariah berdasarkan Fatwa DSN-MUI secara konsisten.Kata Kunci: Keunggulan, Penerapan, BPRS, Fatwa DSN, OJK

scholarly journals Pengaruh Financing To Deposit Ratio (FDR), Risiko Pembiayaan, Kecukupan Modal, Dana Pihak Ketiga, Suku Bunga, dan Inflasi Terhadap Profitabilitas pada Bank Umum Syariah di Indonesia

2019 ◽  
Vol 14 (1) ◽  
pp. 43-57
Author(s):  
Kamelia ◽  
Eliyanora ◽  
Gustati
Keyword(s):  
Interest Rates ◽  
Financial Services ◽  
Commercial Banks ◽  
Capital Adequacy ◽  
Third Party ◽  
Risk Capital ◽  
Return On Assets ◽  
Financing Risk ◽  
Study Population

This study aims to examine the effect of financing to deposit ratio (FDR), financing risk, capital adequacy, third-party funds, interest rates, and inflation on profitability of Islamic Commercial Banks in Indonesia. The independent variables used in this study are financing to deposit ratio (FDR), financing risk, capital adequacy, third-party funds, interest rates, and inflation. The dependent variable is the profitability that measured using the return on assets (ROA). The study population are 13 Islamic Commercial Banks that registered in the Financial Services Authorities and Indonesian Bank during 2013-2017. Determination of sample was made by applying purposive sampling method and obtaining the sample of 9 Islamic Commercial Banks. Analysis of data used is multiple regression with the help of SPSS version 20. The results showed that financing risk had a significant effect on profitability, while financing to deposit ratio (FDR), capital adequacy, third-party funds, interest rates, and inflation had no significant effect on profitability.

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