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Analisis Triple Exponential Smoothing untuk Peramalan Kredit yang Diberikan Bank Umum Konvensional dan Syariah Astri Afrilia
Jurnal Statistika dan Aplikasinya Vol 5 No 2 (2021): Jurnal Statistika dan Aplikasinya
Publisher : Program Studi Statistika FMIPA UNJ

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JSA.05212

Abstract

Kredit yang diberikan bank merupakan pos keuangan penting yang perlu diprediksikan jumlahnya. Hal ini dikarenakan pendapatan utama sebagian besar bank di Indonesia masih bersumber dari kredit. Salah satu teknik analisis yang dapat digunakan adalah metode triple exponential smoothing. Penelitian ini bertujuan untuk memperoleh hasil ramalan (prediksi) kredit yang diberikan pada periode mendatang bagi Bank Umum Konvensional dan Syariah. Dari hasil pengolahan data diperoleh bahwa nilai alpha sebesar 0,3 memberikan hasil ramalan sebesar Rp 8.195.603 miliar dengan akurasi tertinggi atau error terkecil berdasarkan nilai MAD dan MAPE yakni sebesar Rp 59.199 Miliar dan 0.78%. Sehingga, dapat dikatakan bahwa metode Triple Exponential Smoothing merupakan metode yang efektif dan efisien untuk meramalkan jumlah KYD Bank Umum Konvensional dan Syariah.
Application of Process Hierarchy Analysis on the Internal Rating Credit Line Model for Islamic Banks Astri Afrilia
Khazanah Sosial Vol 2, No 2 (2020): Khazanah Sosial Vol 2, No 2 August 2020
Publisher : UIN Sunan Gunung Djati

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (497.465 KB) | DOI: 10.15575/ks.v2i2.8890

Abstract

Banks in carrying out their business activities are always in contact with risk. Therefore, an internal rating system is needed so that the bank can select debtors and counterparts based on the level of risk. One of the bank's activities is the provision of credit lines for Islamic Bank in Indonesia. This study intends to formulate a credit line ranking model for Islamic Banks. This research uses quantitative methods using the Hierarchy Analysis Process method. An important finding of this study is the acquisition of an internal credit line rating model for Islamic Banks which can then be used to assist banks in determining the eligibility of an Islamic Bank to become a bank partner based on the level of risk.
Penyusunan Instrumen Mitigasi Risiko Konsentrasi Pembiayaan Perbankan Syariah Di Indonesia Astri Afrilia
Khazanah Multidisiplin Vol 4, No 2 (2023): Khazanah Multidisiplin
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/kl.v4i2.28333

Abstract

Currently, Islamic banking has become the choice of the Indonesian people to carry out banking transactions, both depositing funds and applying for financing. Sharia banking assets in recent years have increased by 14.56% or Rp 561 Trillion, mostly contributed by increased financing. In the distribution of financing, there are risks in it, one of which is the risk of financing concentration. This study aims to develop instruments in mitigating the concentration risk of Islamic banking financing in Indonesia. The research method used is quantitative method with data analysis technique used is Process Hierarchy Analysis (AHP). The results of this study are in the form of ranking the distribution of financing per economic sector based on the level of risk required as a guide for Islamic banking to channel risk-based financing.
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