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All Journal Proceeding International Seminar of Islamic Studies
Tri Auri Yanti
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Religion Arts Astronomy Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Mathematics Physics Other

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ANALYSIS OF SHARIA BANK CHALLENGES IN OVERCOMING FINANCIAL RISK DURING THE COVID-19 PANDEMIC Tri Auri Yanti; Sugianto Sugianto
Proceeding International Seminar of Islamic Studies INSIS 3 (February 2022)
Publisher : Proceeding International Seminar of Islamic Studies

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Abstract

The background of this research is based on the phenomenon of financial risk that occurred during the Covid-19 pandemic. This research is a descriptive and empirical research, with a qualitative approach, because the problems are holistic, complex and dynamic.The purpose of this study is to find out, examine, and analyze in depth the Strategy of Islamic Banks in Overcoming Financial Risk in the Covid-19 Pandemic Period.The results of the study concluded that the strategy of Islamic banks in overcoming financial risks during the COVID-19 pandemic was quite successful compared to conventional banks. Suggestions that can be given to improve the results of Islamic bank strategies in overcoming financial risks during the COVID-19 pandemic are 1) Improving the Information Technology System, 2) Developing more practical products, 3) Needing Human Resource Competence, 4) Harmonizing with regulators .Keywords: IT Expansion, Product Development, Human Resources Competence, Regulator
Analisis Strategi BPRS Di Sumatera Utara Dalam Menghadapi Kompetisi Di Era Fintech Tri Auri Yanti; Saparuddin Siregar; Sugianto Sugianto
Proceeding International Seminar of Islamic Studies INSIS 1 (December 2019)
Publisher : Proceeding International Seminar of Islamic Studies

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Abstract

BPRS as a community trust institution whose existence is able to provide banking services quickly, easily and simply to the community, especially medium, small and micro entrepreneurs in both rural and urban areas. But now the development of BPRS in North Sumatra is starting to lag behind compared to BPRS in other Provinces. This study aims to analyze the BPRS strategy in North Sumatra in the face of competition in the Fintech era. The results showed that the problems that emerged in the era of fintech SRB in North Sumatra consisted of 5 important aspects: Capital, HR, technical, legal / structural aspects, and market / communal effects. Explaining all aspects of the problem results in a priority order: 1) Most SRBs have relatively limited paid up capital; 2) The quality and quantity of human resources must still be improved; 3) Increasingly dynamic regulations; 4) Trust public interest in BPRS tend to be low and 5) Not able to get reliable IT. Whereas the priority of policy strategies that are considered capable of competing in the fintech era consist of: 1) strengthening capital and business scale and increasing the level of efficiency; 2) increase the quantity and quality of BPRS human resources; 3) increase access to banking services by creating digital-based innovations; 4) Increase competitiveness by strengthening competitive and comparative advantages; 5) Strategic Partnership, namely the active role of regulators in connecting the BPRS Industry with third parties.
Co-Authors Saparuddin Siregar Sugianto Sugianto