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All Journal At Tasyri'i Jurnal Prodi Perbankan Syariah Jurnal Keuangan dan Perbankan Syariah
Pardede, Diah Hafni
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Economics, Econometrics & Finance Social Sciences

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Journal : Jurnal Keuangan dan Perbankan Syariah

 1 
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN ACCOUNT OFFICER PADA PERSETUJUAN PERMOHONAN PEMBIAYAAN KONSUMTIF DI PT BANK SUMUT KCP SYARIAH HM JONI Pardede, Diah Hafni; Qarni, Waizul; Syukri, Ahmad
Jurnal Keuangan dan Perbankan Syariah Vol 2 No 1 (2023): Juni 2023
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v2i1.1377

Abstract

Account Officer is a person whose job is to find eligible customers according to the criteria of bank regulations. The account officer is the spearhead of the bank in marketing its products, therefore an account officer must have adequate salesmanship to market the products offered. The purpose of this study is to analyze the factors that influence the account officer's decision on approval of consumer financing applications, as well as the factors that cause customer financing applications to be rejected at PT Bank Sumut KCP Syariah HM Joni. The method used in this research is qualitative. Methods that are not in the form of numbers obtained from recordings, observations, interviews or written materials. Data collection methods are literature study, interviews and observations and use primary and secondary data. Based on the results of the research and discussion, it can be concluded that before providing financing to customers who wish to apply for consumptive financing at Bank Sumut KCP Syariah HM Joni, the account officer must conduct an objective assessment of various aspects related to the object of financing (5C Analysis), so as to provide confidence in all parties involved.
Pengaruh Total Asset Turnover (TAT), Kualitas Aktiva Produktif (KAP) terhadap Profitabilitas (ROA) dengan Non Performing Financing (NPF) sebagai Variabel Moderasi pada Bank Umum Syariah di Indonesia Periode 2018-2022 Pardede, Diah Hafni; Nawawi, Zuhrinal M.; Atika, Atika
Jurnal Keuangan dan Perbankan Syariah Vol 2 No 2 (2023): Desember 2023
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v2i2.1929

Abstract

This study aims to find out how the influence of Total Asset Turnover (TAT), Earning Asset Quality (KAP) on Profitability (ROA) with Non Performing Financing (NPF) as Moderating Variables in Islamic Commercial Banks in Indonesia Period 2018 - 2022. The independent variables used are TAT and KAP, the dependent variable used in this study is Profitability (ROA) and the moderating variable is NPF. The research data used is secondary data, TAT level, KAP level and also the level of profitability (ROA) and obtained from the official website of each Islamic Commercial Bank in Indonesia which has been published in the Financial Services Authority (OJK). The research data consists of 30 data where the data used is annual data. The research method used in this research is quantitative with a descriptive approach. The analysis technique used in this study is a partial test (t test), simultaneous test (F test), coefficient of determination test (R2) and MRA analysis test using the SPSS Version 25.00 analysis tool. The results showed that the TAT variable had no significant positive effect on ROA. KAP variable has a significant positive effect on ROA. KAP and TAT variables simultaneously influence ROA. The NPF variable is not able to moderate the effect of TAT on ROA. The NPF variable is not able to moderate the effect of KAP on ROA. So the KAP variables and NPF variables were not able to strengthen and give a significant effect on ROA partially in this study.
Co-Authors Ahmad Syukri atika Atika Atika Qarni, Waizul Zuhrinal M. Nawawi