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COMPARATIVE ANALYSIS OF RISK AND RETURN IN PT. BANK BRI SYARIAH BEFORE AND AFTER SPIN OFF siti ratna sari; darwis harahap; azwar hamid; rahmat annam
Journal Of Sharia Banking Vol 1, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (779.471 KB) | DOI: 10.24952/jsb.v1i2.4432

Abstract

PT. Bank BRI Syariah is one of the banks that performs a spin-off with the aim of making a profit. Researchers use the FDR ratio to assess risk and ROA ratio to assess return at PT. BRI Syariah Bank before and after the spin off. The value of the FDR ratio before and after the spin off fluctuated but net income continued to increase as well as the value of the ROA ratio before and after the spin off fluctuated while net income continued to increase from year to year. The formulation of the problem in this study is whether there are differences in risk and return at PT. BRI Syariah Bank before and after the spin off. The purpose of this study was to analyze the difference in risk and return before and after the spin off. This research is a quantitative research. The data collection technique used is literature study and documentation, through the official website of PT. BRI Syariah, namely www.brisyariah.co.id and the Financial Services Authority, namely www.ojk.go.id. The data analysis technique used descriptive analysis, normality test, sample paired t-test. The data processing process using a computer program, namely SPSS version 22.0. The statistical test results of the paired t-test sample indicate that there are differences in risk (risk) of PT. BRI Syariah Bank before and after the spin off if measured using the Financing to Deposit Ratio (FDR), with a tcount value of 5.288 and a ttable value of 1.70329 (5.288 1.70329). The results of the statistical test of the paired t-test showed that there were differences in the return of PT. BRI Syariah Bank before and after the spin off if measured using Return On Assets (ROA), with a tcount value of 15.318 and a ttable value of 1.70329 (15.318 1.70329).
ANALYSIS OF RISK ASPECTS OF GOLD MORTGAGE PRODUCTS scholastika scholastika; kamaluddin ritonga; hamni fadilah; rahmat annam
Journal Of Sharia Banking Vol 2, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (667.509 KB) | DOI: 10.24952/jsb.v2i1.4445

Abstract

This research is motivated by the analysis of the risk aspects of gold pawn products at PT. Pegadaian (Persero) Sibuhuan Syari'ah Service Unit. The types of gold and the varying price of gold in the market pose risks. The decline in gold prices will result in losses during the auction for PT. Pegadaian (Persero) Sibuhuan Syari'ah Service Unit. Pegadaian is more careful in following the price developments in the market, as well as the types of gold that supervises, must be more careful and thorough in assessing goods. What are the risks that occur in gold pawn products at PT. Pegadaian (Persero) Sibuhuan Sharia Service Unit. How are the steps to minimize the risk of products that are pawning gold. The purpose of this research is to see the risk of gold pawn products. The theory presented in this study is related to shari'ah pawnshops, the theory of gold pawn risk, the theory of economic uncertainty, natural uncertainty, human uncertainty. This research is a qualitative research with descriptive method. The data source used is primary data and secondary data. While the technique, the data of this research are interviews, observation and documentation. The results of the research on the Analysis of the Risk Aspects of Gold Pawn Products that occurred at PT. Pegadaian (Persero) Syari'ah Sibuhuan Service Unit is a market risk, namely a decrease in the price of gold which results in losses at the time of the auction, credit risk, namely the risk caused by the inability of the customer to pay off its obligations, operational risk, namely the risk arising from inadequacy in the management process. such as the entry of counterfeit gold, negligence in appraising collateral, legal risk of criminal acts either robbery or employee fraud, reputation risk, namely due to customer complaints against products or services at PT. Pegadaian (Persero) Syari'ah Sibuhuan Service Unit and natural disasters (force majeure), namely risks that cause losses with catastrophic disasters. The steps taken by PT. Pegadaian (Persero) Syari'ah Sibuhuan Service Unit to minimize the risk of gold pawn product risk by conducting supervision, guidance and supervision. Education is carried out for appraisers to update knowledge and refresh the existing estimators in the pawnshop.