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All Journal REMITTANCE: JURNAL AKUNTANSI KEUANGAN DAN PERBANKAN
Tatyana Tatyana
Institut Teknologi dan Bisnis (ITB) Swadharma
Economics, Econometrics & Finance

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ANALISIS TINGKAT KESEHATAN PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO DENGAN METODE RGEC PERIODE 2016-2020 Tatyana Tatyana; Ni Made Artini; Adezia Zefanya Michela
REMITTANCE: JURNAL AKUNTANSI KEUANGAN DAN PERBANKAN Vol 3, No 1 (2022): REMITTANCE JUNI 2022
Publisher : Institut Teknologi dan Bisnis Swadharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56486/remittance.vol3no1.193

Abstract

Bank business activities require an assessment of the healthy of the bank so that public confidence in a bank can increase. Therefore, the purpose of this study was to determine the health level of PT. Regional Development Bank of North Sulawesi Gorontalo for the 2016-2020 period. This writing using the RGEC method to examine events that had occurred and to find out the factors that could cause these events to occur. The results of research and data analysis show the risk profile of the SulutGo bank using two credit risk factor indicators, namely using the NPL ratio and the LDR. Liquidity risk ratio during 2016-2020 in a healthy condition. Bank SulutGo in 2016-2020 obtained composite 2 which shows the implementation of good corporate governance although in 2017 it slightly decreased to a composite that reflects good corporate governance. The profitability (income) of the SulutGo bank using indicators, namely ROA and BOPO during 2016-2020 is in a very healthy condition, indicating that SulutGo bank has succeeded in carrying out its operations effectively; The results of the assessment of Bank SulutGo's capital during the current year are in a very healthy condition, namely 2016-2020, far above the minimum standard set by Bank Indonesia, which is 8%. This shows that so far, SulutGo bank has been able to manage capital well
STRATEGI PROTEKSI TRANSAKSI KASIR PADA CENTRAL FASHION STORE CABANG CIKUPA KABUPATEN TANGERANG Slamet Soesanto; Tatyana Tatyana; Annisa Anggraeni
REMITTANCE: JURNAL AKUNTANSI KEUANGAN DAN PERBANKAN Vol 3, No 1 (2022): REMITTANCE JUNI 2022
Publisher : Institut Teknologi dan Bisnis Swadharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56486/remittance.vol3no1.194

Abstract

The Central Fashion Store is a retail company engaged in the sale of clothing, accessories, and footwear from children to adults. The sales process takes place every day during operating hours. Process cash and non-cash payment transactions. In the process of store operations, cashiers play an important role in serving consumers. The duties and responsibilities of the cashier at the Central Fashion Store have been carried out properly. However, it is undeniable that in practice problems can still occur that have the potential to harm shops, consumers and the cashiers themselves. Problems that occur such as the computer does not respond, the barcode is not registered, scanned the barcode twice, entered the nominal incorrectly, the purchase receipt was not printed, the EDC machine network connection was problematic, the EDC machine was damaged and the difference in cash. Actions taken to overcome problems that occur include waiting for the computer to respond again or transactions are carried out manually, registering barcodes to the warehouse, always being careful in entering data into the system, checking the printer then reprinting the receipt, replacing the EDC machine sim card, waiting for repairs from the bank and be careful in returning money to consumers
PENANGANAN NASABAH GAGAL BAYAR PADA AKAD MURABAHAH DI BANK SYARI’AH INDONESIA KANTOR CABANG PEMBANTU PARUNG BOGOR Tatyana Tatyana; Indri Damayanti; Petrus Aji Pratama Putra Atmaka
REMITTANCE: JURNAL AKUNTANSI KEUANGAN DAN PERBANKAN Vol 3, No 2 (2022): REMITTANCE DESEMBER 2022
Publisher : Institut Teknologi dan Bisnis Swadharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56486/remittance.vol3no2.262

Abstract

Bank Syariah Indonesia Parung Bogor Sub-Branch Office has a financing program for micro entrepreneurs named BSI Usaha Mikro, BSI KUR and BSI Griya Hasanah. In applying the precautionary principle for micro business financing, the prospective debtor submits an application by following predetermined administrative requirements. Bank Syariah Indonesia Parung Bogor Sub-Branch Office will analyze the character, capacity, capital, collateral, condition and sharia (5C + 1S) of the customer to prevent the risk of customer who has problems in payments. To save the financing of Bank Syariah Indonesia Parung Bogor Sub-Branch Office, through rescheduling, reconditioning, or restructuring programs and settlement the debtor through court proceedings will be done if the debtor does not want to pay the obligations, or if the settlement process did not bring the expected results.Bank Syariah Indonesia Kantor Cabang Pembantu Parung Bogor memiliki program pembiayaan bagi pengusaha mikro yang diberi nama BSI Usaha Mikro, BSI KUR dan BSI Griya Hasanah. Penerapan prinsip kehati-hatian pada pembiayaan usaha mikro dimulai ketika calon debitur mengajukan permohonan pembiayaan yakni dengan mengikuti persyaratan administratif yang sudah ditentukan. Bank Syariah Indonesia Kantor Cabang Pembantu Parung Bogor kemudian menganalisa mengenai character, capacity, capital, collateral, condition serta syariah (5C + 1S) nasabah untuk mencegah terjadinya risiko adanya nasabah yang mengalami masalah dalam pembayaran pembiayaan (wanprestasi). Upaya penyelamatan pembiayaan Bank Syariah Indonesia Kantor Cabang Pembantu Parung Bogor yaitu melalui program rescheduling, reconditioning, ataupun restructuring serta penyelesaian pembiayaan bermasalah melalui proses pengadilan dilakukan apabila  pihak debitur sengaja tidak mau membayar sehingga tidak ada keinginan untuk melunasi kewajibannya, atau apabila proses penyelesaian di luar pengadilan tidak membawa hasil seperti yang diharapkan.
Co-Authors Adezia Zefanya Michela Annisa Anggraeni Indri Damayanti Ni Made Artini Petrus Aji Pratama Putra Atmaka Slamet Soesanto