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At-Tamwil: Journal of Islamic Economics and Finance
Published by Universitas Islam 45 Bekasi
ISSN : -     EISSN : 29632285     DOI : https://doi.org/10.33558/attamwil.v1i2
Core Subject : Economy,
Economics, Econometrics & Finance
This journal focused on Islamic Economics and Finance Studies and present developments through the publication of articles. Specifically, the journal will deal with topics, including but not limited to Islamic law on Islamic Banking, Islamic Marketing, Islamic Human Resources, Islamic Finance, Zakah, Waqf, Poverty Alleviation, Islamic Public Finance, Monetary Economics, Economic Development, Maqasid al-Shariah, Institutional Economics, Islamic management, Behavioural Economics and Finance, Corporate Governance, Risk Management, Shariah issues, Financial Engineering, Securitization and Sukuk, Islamic Capital Markets, Insurance and Takaful, Regulatory Issues, Corporate Social Responsibility in Islam and other topics which related to this area. The journal is intended to communicate original research and current issues on the subject. This journal warmly welcomes contributions from scholars of related disciplines.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 18 Documents
 1   2 
Pengaruh Capital Adequacy Ratio (CAR), Financing To Deposit Ratio (FDR), Non Performing Financing (NPF) dan Inflasi Terhadap Profitabilitas (Studi Kasus PT Bank Victoria Syariah Periode September 2013-2018) Margibi Misuari; Rafika Rahmawati
At-Tamwil: Journal of Islamic Economics and Finance Vol 1 No 1 (2022): At-Tamwil: Journal of Islamic Economics and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v1i1.5660

Abstract

This research aims to know the influence of Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), and Inflation against Profitability Return On Assets (ROA)at PT Bank Victoria Syariah. This study used a sample of Pt Victorian Sharia Bank, based on financial statements within the period for 6 years where the processed data is data per three months averaged starting in 2013 to 2018. The method used applies a quantitative approach to obtain data in the form of numbers so that the objectives in this study are achieved by using multiple linear regression analysis techniques. Results Empirical research shows that there is a simultaneous effect on the variables CAR, FDR, NPF, and inflation on profitability is measured with ROA at PT Bank Victoria Sharia. The results of this research also shows that the CAR . variable partially significant effect positive on profitability at PT Victoria Sharia Bank, while FDR, NPF and inflation variables do not affect profitability at PT Bank Victoria Syariah. Effect of CAR, FDR, NPF, and Inflation on bank profitability Victoria sharia is very influential, this is evidenced by the value of sig f 0.014 (p<0.05). Which means that the increasing CAR, FDR, NPF, and inflation will also increase the profitability (ROA) of bank victoria sharia.
Analisis Efisiensi Kinerja Unit Usaha Syariah Di Indonesia Dengan Metode Data Envelopment Analysis Dan Rasio Eagles Muhammad Fauzan Yasir Tsany; Purnama Putra; Mas Deden Tirtajaya
At-Tamwil: Journal of Islamic Economics and Finance Vol 1 No 1 (2022): At-Tamwil: Journal of Islamic Economics and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v1i1.5661

Abstract

This research is motivated by global competition that occurs in economic life which requires every institution to determine the appropriate strategy from the point of view of Efficiency and Performance Levels. The purpose of this study is to measure the level of efficiency and performance of the Sharia Business Unit and to see the factors that affect the level of efficiency and performance of the Sharia Business Unit. The research method used in this research is descriptive quantitative using secondary data. Secondary data comes from the documents of Sharia Business Units included in the National Private Commercial Bank. DEA analysis is used to measure the level of efficiency by analyzing internal factors in the form of efficiency targets on total assets, third party funds, labor costs, total financing and revenue sharing, while the EAGLES analysis is used to measure performance which consists of earning ability, asset quality, growth rate, liquidity, equity and strategic management. The results of the analysis using the DEA approach can be seen that the Sharia Business Units in Indonesia have not reached the optimum level of efficiency, this is due to the target on the input variable consisting of total assets, third party funds and labor costs that are still experiencing waste and have not met the efficiency target, while the results of the EAGLES analysis show that the performance of the Sharia Business Unit is in a good performance condition to become an alternative choice for the community.
Analisis Komparatif Kinerja Bank Syariah Berdasarkan Metode Islamic Performance Index Dan RGEC Pada Bank Syariah Di Indonesia Vandarina Ralda; Isfandayani Isfandayani
At-Tamwil: Journal of Islamic Economics and Finance Vol 1 No 1 (2022): At-Tamwil: Journal of Islamic Economics and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v1i1.5662

Abstract

This study aims to analyze the comparison of bank performance Sharia General based on Risk Profile, Good Corporate approach Governance (GCG), Earnings, Capital (RGEC) and Islamic Performance Index (IPI). The research period used is 2015-2019. This research using a quantitative approach. The research population covers the entire Bank General Sharia registered with the Financial Services Authority (OJK) for 2015-2019 period. The sample was determined by purposive sampling and obtained 10 Islamic Commercial Banks. This research uses descriptive analysis and using Cartesian RGEC and IPI Charts to determine the Bank's position Sharia General. The results of this study indicate that commercial banks Sharia is in a different quadratic. Bank Muamlat Indonesia, BNI Syariah and Bank Syariah Mandiri are in the Upper Left Quadrant (ULQ) which means the value of the Islamic Performance Index (IPI) is high but the value of The RGEC is low. Then, BRI Syariah in the Lower Left Quadrant (LLQ) which means that the RGEC and Islamic Performance Index (IPI) values ​​are low.Furthermore, Victoria Sharia Bank, Panin Dubai Sharia Bank, Sharia Bank Bukopin and BCA Syariah in the Upper Right Quadrant (URQ) which it means that the RGEC and Islamic Performance Index (IPI) values ​​are high. Whereas,Bank Jabar Banten (BJB) Syariah and Bank Mega Syariah in the Lower quadrant Right Quadran (LRQ) which means the RGEC value is high but Islamic His Performance Index (IPI) is low.
Analisis Komponen Fraud Diamond Dalam Mendeteksi Financial Statement Fraud Pada Bank Umum Syariah Yang Terdaftar Di Bursa Efek Indonesia Periode 2014-2018 Farida Nur Fadhilah; Arief Widyananto
At-Tamwil: Journal of Islamic Economics and Finance Vol 1 No 1 (2022): At-Tamwil: Journal of Islamic Economics and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v1i1.5663

Abstract

This study aims to examine the components of fraud in the fraud diamond theory in detecting fraud in financial statements. The research variables consist of pressure (financial stability, external pressure and financial target), opportunity (ineffective monitoring), and capability (turnover). directors) that are hypothesized to influence financial statement fraud. The F-Score is used to determine the financial statement fraud. Sampling was selected using a purposive sampling method, namely Islamic banks that have gone public or are listed on the Indonesia Stock Exchange (IDX) in the period 2014 to 2018. The data analysis method uses multiple regression using SPSS 16 software. Based on the results of hypothesis testing using the t test, it is obtained that financial stability (ACHANGE) and ineffective monitoring (BDOUT) variables have a significant positive effect on financial statement fraud. Meanwhile, external pressure (LEV) has a significant negative effect on financial statement fraud. And financial target (ROA) and capability (DCHANGE) have no significant effect on financial statement fraud. Tests using the F (simultaneous) test found that the variables of financial stability, external pressure, financial target, ineffective monitoring and capability together have an influence on financial statement fraud.
Strategi Pengembangan Bisnis Pada Masa Pandemi Covid-19 Studi Kasus Pada PT. BPRS Artha Madani Mega Juliani Putri; Fajri Ryan Isnandar
At-Tamwil: Journal of Islamic Economics and Finance Vol 1 No 1 (2022): At-Tamwil: Journal of Islamic Economics and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v1i1.5664

Abstract

The challenge in Islamic banking during the Covid-19 pandemic was liquidity and the ratio of non-performing financing (NPF). In addition, the uneven liquidity in the banking industry has caused some banks to enjoy excess liquidity and others to lack funds. Due to the pandemic condition, PT BPRS Artha Madani lost liquidity from third party funds within 3 months as many as 98 depositors made large withdrawals. The purpose of this research is to provide alternative suggestions for new strategies in the business development of PT. BPRS Artha Madani during the covid-19 pandemic.The data analysis technique in this study used SWOT analysis through interviews with the management of PT BPRS Artha Madani who has the authority to make decisions for the company and has an understanding of the research topic. Then analyzed through the Quantitative Strategic Planning Matrix or QSPM to determine which strategy will be prioritized in the selection of the recommended alternative strategies through the SWOT matrix.The results show that the highest score (Total Attractiveness Score) or TAS of 19.166 is Creating a personal e-commerce platform belonging to BPRS Artha Madani, an alternative name, namely Artha Madani Market. Because during this pandemic, people prefer to do online transactions at home to minimize the spread of covid-19.
Analisis SWOT Dalam Strategi Pemasaran Produk Tabungan BTN Batara iB Pada Bank BTN Syariah Aditya Tri Purmianti; Rizal Fahlevi
At-Tamwil: Journal of Islamic Economics and Finance Vol 1 No 1 (2022): At-Tamwil: Journal of Islamic Economics and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v1i1.5665

Abstract

With increasingly advanced developments, of course it will cause intense business competition between companies. The emergence of a successful product in the market will be followed by competitors, so there needs to be an increase in the company's marketing strategy and SWOT analysis in order to remain in the market, find customers, maximize profits and of course achieve the company's vision and mission. The purpose of this research is to see how the SWOT analysis and marketing strategy of BTN Batara iB savings products at Bank BTN Syariah Bekasi Branch. The method used is a qualitative method. From the results of the SWOT analysis, it shows that Bank BTN Syariah KC Bekasi identifies internal and external factors. Thus the results of the identification of these internal factors resulted in 6 strengths and 2 weaknesses. Meanwhile, the results of the identification of the external factors resulted in 3 opportunities and 3 threats. The formulation of alternative marketing strategies for the BTN Batara iB savings product at Bank BTN Syariah KC Bekasi which is generated from the SWOT matrix is ​​by using the alternative formulation of the S-O strategy (strengths - opportunities). This SO strategy obtains three alternative strategies, namely: (1) Developing products in accordance with market demand, (2) Establishing better relationships with agencies, and (3) Improving service quality and providing quick responses to customers.
Analisis Strategi Manajemen Sumber Daya Insani Dalam Menghadapi Multidisiplin Keilmuan Karyawan Di Bank BJB Syariah Bekasi Aprilianti Dwi Cahyani; Rizal Fahlevi
At-Tamwil: Journal of Islamic Economics and Finance Vol 1 No 2 (2022): At-Tamwil: Journal of Islamic Economics and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v1i2.5720

Abstract

The rapid growth of Islamic banking is not matched by the availability of Human Resources from Islamic banking graduates. With this, there are still many Islamic banking industries that have SD from general graduates. This study aims to determine the strategy that will be carried out by the SDI management of Bank BJB Syariah KC Bekasi in dealing with multidisciplinary employee science. This study uses a survey method using qualitative data. The analytical method used is data collection, data reduction, and drawing conclusions. The data collection technique used is direct interviews at Bank BJB Syariah KC Bekasi with related parties or sources. This study concludes that the Human Resources (SDI) of Bank BJB Syariah does not only have an educational background in Islamic banking, but has a minimum background of D3 graduates with various study programs or majors that are still related to finance. The strategy owned by Bank BJB Syariah KC Bekasi is to deal with multidisciplinary employee knowledge by holding several ongoing trainings, and holding several seminars.
Strategi Pengembangan Pembiayaan Mikro PT Bank Negara Indonesia Syariah Kantor Cabang Bekasi Menggunakan Metode SWOT Dan ANP Putra Aditya Masrur; Fajri Ryan Isndandar
At-Tamwil: Journal of Islamic Economics and Finance Vol 1 No 2 (2022): At-Tamwil: Journal of Islamic Economics and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v1i2.5721

Abstract

This study aims to provide recommendations for alternative strategic priorities in the context of developing microfinance for PT BNI Syariah Kantor Cabang Bekasi. This research method uses the SWOT matrix analysis method and the ANP (Analytic Network Process) method which is processed with super decision software and Microsoft Excel. Respondents in this study amounted to three internal practitioners from PT BNI Syariah Kantor Cabang Bekasi, namely business manager, micro account officer head and junior micro financing risk. The results showed that the human resource aspect of (0.421) was the influential aspect. That human resources are valuable assets in holding the success of a company or business. The problem shows that the lack of human resources who serve as micro AOs (Account Officers) is the main problem that has an important impact of (0.209) this can be seen from the number of only 2 people consisting of micro account officers and junior micro financing risk. While the priority alternative strategy with a value of (0.196) is to expand market share by conducting activities or opening outlets in trade centers, because if the market share of PT BNI Syariah Kantor Cabang Bekasi micro-financing products increases then of course demand will also increase.
Strategi Pemasaran KPRS Bank Syariah Mandiri Maulida Itsni Zumayjah; Mas Deden Tirtajaya
At-Tamwil: Journal of Islamic Economics and Finance Vol 1 No 2 (2022): At-Tamwil: Journal of Islamic Economics and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v1i2.5722

Abstract

This study aims to identify and analyze the most appropriate marketing strategy for KPRS Bank Syariah Mandiri Bekasi Area so as to win the competition. This study uses a SWOT analysis with IFAS and EFAS matrices to identify important factors, both from the external environment and the internal environment, which are the strengths, weaknesses, opportunities and threats of Griya Berkah financing products. The research approach used in this study is a descriptive qualitative approach. The results of this study will be analyzed in addition to descriptive qualitative, the author also uses a SWOT analysis. SWOT analysis is the identification of various factors systematically to formulate corporate strategy. From the results of the analysis based on the IE matrix, a growth and build strategy is obtained, this strategy indicates a strong company condition and is able to continue to grow by taking the opportunities or opportunities that exist to achieve maximum turnover. This study resulted in a total of 2,316 Strength Weakness 0.700 Opportunity 1,608 Threats 0.687 from Griya Berkah financing products where the company's position is in quadrant l (one). The appropriate strategy in this quadrant based on the Cartesian diagram is development / aggressive strategy by carrying out expansion, enlarging growth and achieving maximum progress.
Analisis Perbandingan Kinerja Keuangan Bank Umum Syariah BUMN dan Non BUMN dengan Metode RGEC Hafiz Santak Taram; Isfandayani Isfandayani
At-Tamwil: Journal of Islamic Economics and Finance Vol 1 No 2 (2022): At-Tamwil: Journal of Islamic Economics and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v1i2.5723

Abstract

This study aims to analyze the comparison of the financial performance of BUMN Islamic commercial banks and BUMN Non Islamic commercial banks on the variables of Risk Profile, Good Corporate Governance, Earnings, and Capital (RGEC) for the 2017-2020 period represented by the ratio of Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Operating Expenses to Operating Income (BOPO), Good Corporate Governance (GCG), Return On Assets (ROA), Return On Equity (ROE), and Capital Adequacy Ratio (CAR). The results of this study show that of the 7 ratios analyzed, there are 5 ratios with significant differences between the financial performance of BUMN Islamic commercial banks and Non BUMN Islamic commercial banks during the 2017-2020 period, namely FDR with a significance of 0.000, BOPO with a significance of 0.011 Good Corporate Governance with a significance of 0.011. 0.003 significance, ROA with 0.024 significance, and ROE with 0.020 significance. While the NPF ratio with a significance of 0.921, CAR with a significance of 0.744, and RGEC Composite Rating with a significance of 0.510 there is no significant difference between the financial performance of BUMN Islamic commercial banks and non-BUMN Islamic commercial banks during the 2017-2020 period. The last analysis on the consolidated financial performance assessment of all RGEC variables shows that the performance of BUMN Islamic commercial banks is not better than the performance of Non-BUMN Islamic commercial banks where the average composite value for 4 years is the performance of BUMN Islamic commercial banks (80%).

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