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All Journal Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam International Conference on Islamic Economic
Hasnil Hasyim
Sekolah Tinggi Agama Islam Al-Hidayah Bogor
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Post-Pandemi Covid-19 Government Relaxation Policies And Its Implications For Sharia Bank Performance Hasnil Hasyim; Sujian Suretno
International Conference on Islamic Economic (ICIE) Vol 2 No 2 (2023): October
Publisher : Sekolah Tinggi Ilmu Bahasa Arab Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v2i2.267

Abstract

Banking as an intermediary institution based on the Sharia Banking Act No. 21 of 2008 mandates collect and distribute funds to the public in a proportionate manner. Proportion means is that the portion that is collected and that which is distributed should be balanced, so that the expected profit maximum. In the 2020 era there was the emergence of the Covid 19 pandemic which resulted in the collection and disproportionate distribution of funds. Funding cannot be channeled optimally, because it is work more focused on improving existing financing as a result of customer defaults due to repayment capacity changes. Conditions that cannot be predicted in advance. Government with authority issued a relaxation policy in the form of restructuring through the Financial Services Authority (OJK) provide solutions that are solutive for customers and banks. Over time customer financing saved and doing well. However, nearing the end of the policy there were many related internal audit findings the quality of the policy. Many customers are policy-justified in current collectibility, but in fact collectibility Non Performance Finance (NPF), namely in the collectibility category 3.4 and 5. Under these conditions, it is certain that the bank will incur a loss due to the provision of Reserves Impairment Losses ( CKPN) formed. Cleansing data carried out on several customers shows that customers already have qualities that cannot be saved as a result of implementing policies government that does not have a time limit, so that within that unspecified period of time have a fatal impact on the quality of customers and have an impact on banking performance or the soundness level of the bank worsened.
Peluang Dan Tantangan Industri Halal di Indonesia Hasnil Hasyim
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 7 No. 02 (2023): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v7i02.5536

Abstract

Penelitian ini menyimpulkan bahwa peluang industri halal di Indonesia sangat besar. Indonesia bisa menjadi top player global pada industri halal, mengingat potensi yang dimilikinya sangat besar, mulai dari sumber daya alam yang melimpah, penduduk Indonesia yang mayoritas muslim, dan seterusnya. Namun tantangannya juga cukup berat mulai dari hulu sampai ke hilir. Peluang tersebut dapat diraih manakala literasi halal dapat meningkatkan utilisasi halal pada masyarakat Indonesia dan masyarakat global. Penelitian ini menggunakan desain penelitian kualitatif dengan pendekatan konsep ekonomi dan syariah dan studi pustaka. Penelitian fokus mengkaji berbagai potensi yang dapat dihimpun untuk mendorong Indonesia menjadi top player halal global dalam berbagai klaster halal, baik dalam makanan dan minuman halal, fesyen muslim, pariwisata halal, kosmetika halal, farmasi dan obat-obatan halal, konten kreasi halal, dan energi terbarukan. Posisi penelitian memperkuat penelitian-penelitian sebelumnya tentang peluang dan tantangan industri halal Indonesia. Distingsi penelitian ini adalah semua klaster halal dibahas secara terperinci untuk mendapatkan gambaran yang lebih spesifik.
Co-Authors Sujian Suretno