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All Journal I-ECONOMICS: A Research Journal on Islamic Economics IEB: Journal of Islamic Economics and Business
Septiatin, Aziz
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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ANALISIS VARIABEL MAKRO EKONOMI TERHADAP PEMBIAYAAN BERMASALAH PADA BPRS DI INDONESIA PERIODE 2014-2021 septiatin, Aziz; Riduwansyah, Riduwansyah; Krisdayanti, Helisia
I-Economics Vol 8 No 2 (2022): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v8i2.13424

Abstract

In making investments, financing from Islamic banking is still the mainstay of various parties. Not all financing disbursed to the public are categorized as healthy, but some of them are financing that has poor quality or problems such as non-current financing, financing whose debtors do not meet the promised requirements, and the financing does not comply with the installment schedule. This study aims to analyze the effect of the BI Rate, Exchange Rate and Inflation on the level of non-performing financing (NPF) at Islamic Rural Banks for the period 2014-2021 per month. The method used in this research is descriptive with a quantitative approach and uses multiple linear regression analysis and hypothesis testing using the t test and F test which previously tested the classical assumptions first. The results showed that the BI Rate, exchange rate and inflation variables simultaneously had no effect on the NPF level. While partially the BI rate and inflation variables have no effect on the NPF while the exchange rate variable has a significant effect on the NPF. Keyword : BI Rate, exchange rate, Inflation, NPF
BUSINESS STRATEGY TO INCREASE COMPETITIVE ADVANTAGE IN THE ERA OF COVID-19 ON AL AMIN’S SHARIA LIFE INSURANCE: BUSINESS STRATEGY TO INCREASE COMPETITIVE ADVANTAGE IN THE ERA OF COVID-19 ON AL AMIN’S SHARIA LIFE INSURANCE septiatin, Aziz; Pebrianti, Tutik
Journal Of Islamic Ekonomic and Business Vol 1 No 2 (2022): IEB: Journal of Islamic Economics and Business
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieb.v1i2.13495

Abstract

AbstractThe Covid-19 pandemic has had an impact on the insurance industry, namely the decline in insurance premiums. The most severe decline in insurance premiums occurred in the life insurance industry. This study aims to analyze the survival strategy of Al Amin's Sharia Life Insurance business in the face of the Covid-19 pandemic. This study uses a qualitative descriptive research method. Sources of data obtained from interviews with the Leadership and Marketing Manager of Sharia Life Insurance Al Amin Palembang Branch. Data analysis techniques used in this research are data reduction, data presentation and conclusions. The results showed that the business strategies carried out by Al Amin Sharia Life Insurance Palembang Branch in dealing with Covid-19 were first, analyzing market conditions, second, carrying out marketing strategies, namely with a professional and personal approach, third, product diversification, and fourth, pattern specifically, namely rate adjustment and limit expansion. The obstacles faced in running the business are that all decisions of Al Amin Sharia Life Insurance Palembang Branch are at the head office, constraints on personal approaches, and rate reductions or adjustments. Keywords: Business survival strategy, Life Insurance, marketing strategy
Co-Authors Krisdayanti, Helisia Riduwansyah, Riduwansyah Tutik Pebrianti