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All Journal Panrita Abdi - Jurnal Pengabdian pada Masyarakat Journal of Management Review Jurnal Pengabdian Pada Masyarakat EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) eCo-Buss Jurnal Pengabdian Masyarakat Bumi Raflesia JURNAL EKONOMI SYARIAH JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Al-Infaq: Jurnal Ekonomi Islam
Qiny Shonia Az Zahra
Universitas Siliwangi
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Social Sciences Other

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Journal : JURNAL EKONOMI SYARIAH

 1 
ANALISIS MANAJEMEN RISIKO PEMBIAYAAN DAN PENGELOLAAN PRODUK PPR IB MASLAHAH DI BJB SYARIAH KCP. KUNINGAN Faiz Raka Alfarizi; Qiny Shonia Az Zahra
JURNAL EKONOMI SYARIAH Vol 6, No 2 (2021): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v6i2.3716

Abstract

Housing is one of the basic human needs. Meanwhile, in fact, from the data on the number of Sharia mortgage customers at Bank Jabar Syariah, namely the PPR IB Maslahah product for the 2017-2020 period, it fluctuated and tend to decrease. In addition, it needs a good financing risk management implemented by the company. The objective of this research is to find out how the risk management of financing and product management of PPR IB Maslahah Bank BJB Syariah KCP Kuningan. This study uses premier data from interviews conducted to several employees of Bank BJB Syariah KCP Kuningan, by triangulation technique. Meanshile, the results of this study are:1). The financing risk management carried out by Bank BJB Syariah is in accordance with the Financial Services Authority Regulation (POJK) Number 65 / POJK.03 / 2016 concerning the Implementation of Risk Management for Sharia Commercial Banks and Sharia Business Units as stated in article 3 in point c; 2) Management of PPR Products carried out by Bank BJB Syariah Kuningan has been implemented, however in fact they have limited authority from the headquarters.  .
PENGARUH NON PERFORMING FINANCING (NPF) DAN GROWTH OF GROSS DOMESTIC PRODUCT (GGDP) TERHADAP FINANCING TO DEPOSIT RATIO (FDR) DI PT BANK BNI SYARIAH PERIODE 2013-3017 Qiny Shonia Az Zahra
JURNAL EKONOMI SYARIAH Vol 4, No 2 (2019)
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (904.412 KB) | DOI: 10.37058/jes.v4i2.993

Abstract

Liquidity is an important point in banking operations as well as in the resilience and sustainability of a sharia bank. FDR at Bank BNI Syariah tends to decrease during the period 2013-2017. In addition, there is a phenomenon of a gap between the development NPF and GGDP against FDR in PT Bank BNI Syariah. This study has a purpose to know the partial influence of NPF and GGDP on FDR. In addition, this study aims to determine how much the simultan influence of NPF and GGDP on FDR.In some opinions and research results found by other researchers that NPF, and GGDP will affect FDR. GGDP increase, FDR will also increase, and vice versa. Whereas when the NPF increases, the FDR will decrease.The research method used is descriptive analytical verification by a quantitative approach. The data used is secondary data in the form of financial statements published by PT Bank BNI Syariah during the 2013-2017. Data analysis techniques used were linear regression, PPM correlation, coefficient of determination, and hypothesis testing (t test and F test) using SPSS 22.0.The conclusion obtained from this study that partially NPF has a significant effect on FDR with a determination coefficient of 56.7% and GGDP has no significant effect on FDR with a coefficient of determination of 0.2%. While simultaneously NPF and GGDP affect FDR with a coefficient of determination of 60.7%. In addition, it was found that the value of F calculated ≥ value of Ftable (12,374 3,630). This means that the estimated regression model is appropriate to explain the influence of NPF and GGDP on FDR at PT Bank BNI Syariah for the 2013-2017 period.
Co-Authors Agus Ahmad Nasrulloh Ahmad Saifullah Mawardi Biki Zulfikri Rahmat Bintari, Vivi Indah Elis Nurhasanah Faiz Raka Alfarizi Indi Ramadhani Lina Marlina Ripah Saripah