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All Journal Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jambura Law Review Jurnal Manajemen dan Profesional Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah JURIS (Jurnal Ilmiah Syariah)
Ifelda Nengsih
Faculty Of Islamic Economics And Business, UIN Mahmud Yunus Batusangkar
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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The Influence Of Financing And Third Party Funds (Dpk) Towards Roa Of Islamic Rural Banks (Bprs) In Sumatera Barat Rizal Rizal; Khairil Faizal Khairi; Ifelda Nengsih
IKONOMIKA Vol 5, No 2 (2020)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (601.355 KB) | DOI: 10.24042/febi.v5i2.7532

Abstract

This research aims to investigate the influence of financing and Third Party Funds (DPK) towards the Return on Assets (ROA) of Islamic Rural Banks (BPRS) in West Sumatera. This field research is a quantitative study with seven PT BPRS in West Sumatera as the object of the research. This research uses secondary data in the form of panel data which combined cross section and time series data. The panel data are quarterly financial statements from 2016 to 2018 which are recorded in Financial Service Authority (OJK). The result of this research shows financing and third party funds (DPK) influence ROA in the amount of 59,65% simultaneously. The rest of it are influenced by other factors that are not investigated. Partially, financing is the only subject that has influence toward ROA. Meanwhile, third party funds had no significant influence towards ROA of seven BPRS in West Sumatera. This case is interesting to be researched since quantitative data reflects fluctuation based on financing from 2016 until 2018 while DPK tend to increase. However, financing is the only subject that has significant influence towards ROA.
STRATEGI MANAJEMEN MENGHADAPI RISIKO OPERASIONAL PADA PT BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) HAJI MISKIN PANDAI SIKEK Ifelda Nengsih; Dina Meidani
Jurnal Manajemen dan Profesional Vol 2 No 1 (2021): Jurnal JPro
Publisher : Program Studi Manajemen Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (249.647 KB) | DOI: 10.32815/jpro.v2i1.760

Abstract

PT Bank Pembiayaan Rakyat Syariah (BPRS) Haji Miskin Pandai Sikek dihadapakan pada risiko operasional seperti kesalahan penginputan data oleh karyawan bank, pencucian uang, terdapat uang palsu, ketidak jujuran nasabah, penipuan atau manipulasi data, dan beberapa risiko lainnya yang akan mungkin terjadi. Oleh karena itu, PT BPRS Haji Miskin dihadapkan perlu melakukan manajemen terhadap risiko operasional tersebut. Hasil penelitian menunjukan bahwa Manajemen risiko operasional di BPRS Haji Miskin Pandai Sikek telah menerapkan manajemen risiko sesuai dengan peraturan POJK No.23/POJK.03/2018 tentang penerapan manajemen risiko bagi Bank Pembiayaan Rakyat Syariah. Identifikasi risiko operasional yang disebabkan risiko internal, risiko SDM, risiko teknologi dan sistem, risiko hukum dan risiko eksternal. Pengelolaan risiko yang dilakukan mengikuti proses manajemen risiko yang dumulai dari aktifitas identifikasi, pengukuran risiko, pemantauan risiko dan pengendalian risiko yang terjadi di BPRS Haji Miskin Pandai Sikek. Strategi yang dilakukan adalah dengan meningkatkan fungsi pengawasan serta melakukan internal audit.
ANALISIS PENERAPAN MANAJEMEN RISIKO PADA PEMBIAYAAN MURABAHAH DI BANK NAGARI SYARIAH CABANG BATUSANGKAR Ifelda Nengsih
Jurnal Manajemen dan Profesional Vol 3 No 1 (2022): Jurnal JPro
Publisher : Program Studi Manajemen Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/jpro.v3i1.1011

Abstract

Tujuan penelitian ini adalah untuk mengetahui bagaimana penerapan manajemen risiko pembiayaan Murabahah pada Bank Nagari Syariah Cabang Batusangkar. Jenis penelitiannya adaah penelitian lapangan (Field Research) dengan metode deskriptif kualitatif. Sumber data penelitian ini adalah sumber data primer, yaitu wawancara langsung dengan Account Officer dan Manajer Marketing pada Bank Nagari Syariah Batusangkar, dan sumber data sekunder yaitu laporan pembiayaan muarabahah Bank Nagari Syariah Cabang Batusangkar. analisis data dilakukan menggunakan reduksi data (Data Reduction), penyajian data (Data Display) dan kesimpulan atau verifikasi (Conclusion Drawing or Verification). Hasil penelitian menemukan bahwa penerapan manajemen risiko pada bank nigari syariah cabang batusangkartelah di lakukan sesuai dengan POJK No.65/POJK.03/2016. Penerapan manajemen risiko di Bank Nagari Cabang Batusangkar dilakukan dengan cara mengidentifikasi (menerapkan analisi 5C), mengukur, memantau dan mengendalikan risiko.
Implications of the Pagang Gadai Contract on Disharmony Social Actors in Minangkabau Community Syukri Iska; David David; Elsy Renie; Ifelda Nengsih
JURIS (Jurnal Ilmiah Syariah) Vol 21, No 1 (2022)
Publisher : Institut Agama Islam Negeri Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (463.648 KB) | DOI: 10.31958/juris.v21i1.5647

Abstract

This study aims to explore the implementation of the pagang gadai contract and identify its impact on the social disharmony of actors in the Minangkabau community. The category of this research is ethnography, with data collection techniques through in-depth interviews with 13 people as resource persons who were determined based on purposive sampling and snowball sampling, located in 5 Nagari in Tanah Datar Regency, as a representation of the Nagari of origin of the Minangkabau people. The results of the study found that the implementation of pagang gadai as a form of part of debt and receivable transactions has many variants in processing and utilizing the results of the object of pawning land. Some are managed by the pawnbroker (the debtor) with some of the proceeds destined for the pawnbroker (the debtor), in addition, some are managed by the pawnbroker with the proceeds of the object being fully under his control. As for the impact on social relations, there has been disharmony, both internal to the pawnbroker and between the pawnbroker and the pawnbroker, which is caused by inconsistencies in the implementation of customary norms and rules, unequal paradigms in following up on awareness of mistakes in the implementation of pawning so far, and also because authoritarian leadership pattern on “mamak” as tribal head.
Liquidity Risk Management of Mudharabah Deposit Products At PT. BPRS Al Makmur Ifelda Nengsih; Rizal Rizal
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 8 No 1 (2022): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 202
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (548.461 KB) | DOI: 10.36908/isbank.v8i1.430

Abstract

Abstract This research aims to uncover the risk management and management system carried out by PT. BPR Syariah Al-Makmur against mudharabah deposit products. This type of research is qualitative with descriptive methods. Data is collected through interviews and documentation to get an overview of the research. This study found that deposits became a superior product because deposits could take funds even if they were not due and were not subject to fines (penalties). To avoid liquidity risks due to withdrawal of funds before maturity, management develops various strategies. The liquidity risk management strategy developed in sequence is through a persuasive approach, namely by giving ababa, requesting 1 to 3 days if the funds are insufficient and providing facilities for the delivery of funds to the customer's residence. The preventive strategy of handling liquidity risk is to predict the needs of funds by carrying out daily monitoring of funds so that the stock of funds is carried out, also through the asset liquidity approach and repressive approach. Become a new model of deposit management carried out by PT. BPR Syariah Al-Makmur because no other financial institution has done anything like this. This model proved to be the largest source of funds compared to ordinary savings from 2012 to 2018. Although the number of deposits has decreased from 2017 to 2019. Even in 2019 the number of deposits is lower than ordinary savings, but this is an interesting thing to study further why this can happen.
Reformulation of Bundo Kanduang's Role in Solving Domestic Violence Cases Irma Suryani; Yulnetri Yulnetri; Amrina Amrina; Ifelda Nengsih; Daleleer Kaur Randawar
Jambura Law Review VOLUME 5 NO. 2 JULY 2023
Publisher : Universitas Negeri Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (613.925 KB) | DOI: 10.33756/jlr.v5i2.19172

Abstract

This study aims to reevaluate the role of Bundo Kanduang in addressing Domestic Violence cases within the Minangkabau indigenous community in West Sumatra. Utilizing qualitative research methods, data collection tools include documents, interviews, and Focus Group Discussions (FGD). The study involves Bundo Kanduang Adat and household members within the Bundo Kanduang organization in Tanah Datar, Agam, and Fifty Cities, totalling 35 participants per regency. Data analysis consists of three stages: Reduction, Presentation, and Verification. Method triangulation compares interview outcomes with FGD results for data triangulation. Theoretical triangulation is then applied to reassess Bundo Kanduang's role in resolving domestic violence cases. The findings reveal that Bundo Kanduang's role in addressing domestic violence under Minangkabau customary tambo has been implemented socially but not optimally within families due to factors such as low education, demanding work schedules, children relocating after marriage, and a lack of concern for one's hometown. To ensure the effective implementation of Bundo Kanduang's role in combating domestic violence, the following reformulations are proposed: 1) Leveraging the "nan 4" principle; 2) implementing premarital education and training; 3) applying people-oriented management; 4) compiling Nagari and community monographs; and 5) reinforcing matrilineal culture.
The Influence Of Financing And Third Party Funds (Dpk) Towards Roa Of Islamic Rural Banks (Bprs) In Sumatera Barat Rizal Rizal; Khairil Faizal Khairi; Ifelda Nengsih
IKONOMIKA Vol 5, No 2 (2020)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v5i2.7532

Abstract

This research aims to investigate the influence of financing and Third Party Funds (DPK) towards the Return on Assets (ROA) of Islamic Rural Banks (BPRS) in West Sumatera. This field research is a quantitative study with seven PT BPRS in West Sumatera as the object of the research. This research uses secondary data in the form of panel data which combined cross section and time series data. The panel data are quarterly financial statements from 2016 to 2018 which are recorded in Financial Service Authority (OJK). The result of this research shows financing and third party funds (DPK) influence ROA in the amount of 59,65% simultaneously. The rest of it are influenced by other factors that are not investigated. Partially, financing is the only subject that has influence toward ROA. Meanwhile, third party funds had no significant influence towards ROA of seven BPRS in West Sumatera. This case is interesting to be researched since quantitative data reflects fluctuation based on financing from 2016 until 2018 while DPK tend to increase. However, financing is the only subject that has significant influence towards ROA.
Co-Authors Amrina Amrina Daleleer Kaur Randawar David David Dina Meidani Elsy Renie Irma Suryani Khairil Faizal Khairi Rizal Rizal Rizal Rizal Syukri Iska, Syukri Yulnetri Yulnetri