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Nurul Hidayati Indra Ningsih Nurul
a:1:{s:5:"en_US";s:33:"Universitas Muhammadiyah, Mataram";}
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Bank Health Analysis at PT. Bank NTB Syariah With Risk Based Bank Rating and Financial Distress Method Nurul Hidayati Indra Ningsih Nurul; Baiq Reinelda Tri Yunarti; Mos Indrawati
Jurnal Economic Resource Vol. 5 No. 2 (2022): September-April
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v5i2.349

Abstract

This study aims to determine the health level of PT Bank NTB Syariah in 2019-2020. This research uses quantitative research. The data collection method used in this research is the documentation method. The data analysis technique used is to analyze financial statements in accordance with PJOK Number 8/POJK.03/2014 CHAPTER II Article 6 No. 1 and Article 2 Bank Indonesia Regulation No. 13/1/PBI/2011. The results of the study show that the risk profile or risk profile of Bank NTB Syariah in 2019 and 2020 seen from the NPF value obtained a healthy predicate, while if viewed from the FDR value in 2019 the NPF value received a healthy predicate, but in 2020 it received a Fairly Healthy predicate. Earnings or Profitability of Bank NTB Syariah in 2019 and 2020 obtained the title Very Healthy as reflected in the ROA ratio value of more than 1.5% Capital or Bank NTB Syariah capital in 2019 and 2020 obtained the predicate very healthy as reflected in the calculation of the CAR ratio exceeding the limit 12%. Based on the Self-Assessment in the report on the implementation of Good Corporate Governance, Bank NTB Syariah in 2019 and 2020, obtained a composite rating of 2 with the "Good" predicate category. The NPF, ROA and CAR ratio values ​​indicate the condition of the Islamic NTB Bank in a healthy condition and no potential for Financial Distress to occur.
Analysis of Non-Performing Credit Settlement at PT. Bank NTB Syariah Nurul Hidayati Indra Ningsih Nurul; Baiq Reinelda Tri Yunarni; Mos Indrawati; Nur Lia; Artika Widiandari; Ersa Wahyuliati; Nurul Huda
Jurnal Economic Resource Vol. 6 No. 2 (2023): September - February
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v6i2.681

Abstract

This study aims (1) to analyse the factors that cause problem financing at PT Bank NTB Syariah (2) to find out how to solve problem financing at PT Bank NTB Syariah (3) to find out what are the obstacles to solving problem financing at PT Bank NTB Syariah. This type of research uses qualitative research. The data collection method used in this research is the interview method. Checking the validity of the findings using source triangulation so that it is easy to analyse various problems that occur at Bank NTB Syariah. The results of the study, (1) There are 2 factors that cause problem financing, namely, external factors and internal factors from customers (2) Efforts made by PT. Bank NTB Syariah in solving Problem Financing, namely: Doing billing by telephone media, Short Message Service (SMS) and WhatsApp, using very polite and smooth language, considering it as customer service, increasing intensive hospitality with customers, transferring customers, restructuring financing, collateral auctions by submitting the Customer's collateral auction process to the KPKLN. The last step is insurance claims and write-offs.
Co-Authors Artika Widiandari Baiq Reinelda Tri Yunarni Baiq Reinelda Tri Yunarti Ersa Wahyuliati Mos Indrawati Nur Lia Nurul Huda