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All Journal Iqtishodia: Jurnal Ekonomi Syariah Al-Bayyinah
Hidayah, Islamiati
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Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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A Study on Financial Soundness at Indonesian Islamic Bank Hidayah, Islamiati; Hariyanti, Sri; Kusumawardhany, Sayekti Indah
Iqtishodia: Jurnal Ekonomi Syariah Vol. 9 No. 2 (2024): September
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v9i2.1270

Abstract

This study aims to investigate the soundness of Islamic Bank in Indonesia. Particularly at PT. Bank Muamalat Indonesia, Tbk through RGEC (Risk Profile, Good Corporate Governance, Earning, and Capital). This study is a quantiative study and employs multiple regression analysis to analyze the data from annual report of Bank Muamalat Indonesia. RGEC method was employes to measure the financial distress which includes components of Risk Profile, Good Corporate Governance, Earnings, and Capital. The Risk Profile is proxied by Non-Performing Finance (NPF) and Financing to Deposit Ratio (FDR). Earnings are proxied by Return on Assets (ROA), Return on Equity (ROE). Capital is peroxided by the Capital Adequacy Ratio (CAR). The result of this study shows NPF, FDR, RoA, RoE, and CAR are partially and simultanousely influence financial distress of Islamic Bank especially in Bank Muamalat Indonesia. Particularly, NPF and RoE have a positive relationship with financial distress while FDR, RoA, and CAR have a negative relationship with financial distress
Financing MSME Using Analysis of IFAS and EFAS Matrix: Case Study in Honey Pumpkin Business Hidayah, Islamiati; Abadi, M. Kurnia Rahman; Falach, Ghulam; Ismail, Moh
Al-Bayyinah Vol 8, No 1 (2024): Al-Bayyinah
Publisher : Faculty of Sharia and Islamic Law Institut Agama Islam Negeri Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/al-bayyinah.v8i1.4546

Abstract

This study is aimed to find out how the Honey Pumpkin business development strategy is carried out by Honey Pumpkin Farmers in Banyusokah Village, Sampang Regency based on EFAS and IFAS Matrix. The method employed in this study is descriptive qualitative which is aims to describe, describe, record, and analyze existing and current conditions. The result of the study showed that Honey Pumpkin business in Banyoksah Village of Sampang Regency is able to implement the growth oriented strategy for developing its business. The suggested strategies are firstly, to distribute the products in the store at Sampang Regency and utilizing social media such as IG, whatsApp and so on for marketing. Secondly, diverging the processed product from honey pumpkin and turning customer into reseller. Thirdly, replacement of production technology used with more sophisticated and modern to increase the production effectively and efficiently. Lastly, opening several branch of store that owned by the company. Meanwhile, financing aspect regarding to growth oriented strategy several financing model could be useful. For example, working capital loan, digital marketing loan, business expansion loan, and equipment loans or leasing arrangement. Therefore, research and approach of financial institutions, banks, and alternative lenders is necessary to explore specific financing options that suit with growth strategies.
Co-Authors Abadi, M. Kurnia Rahman Falach, Ghulam Hariyanti, Sri Kusumawardhany, Sayekti Indah