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ANALISIS PENERAPAN KEBIJAKAN PERKREDITAN BANK STUDI KASUS SEKTOR KREDIT GUNA BHAKTI (KGB) PADA BANK BJB CABANG CIKARANG Didin Rasyidin Wahyu
Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside Vol. 1 No. 2 (2021): Yudishtira Journal : Indonesian Journal of Finance and Strategy Inside
Publisher : Gapenas Publisher

Banks as financial institutions whose activities which raise funds from the public in the form of savings and channel them back to the community in order to improve the standard of living many of bank can also be said as an institution which won the trust of the public, in this case should try to preserve the feeling of trust society to the bank, then the bank should as much as possible in carrying out its activities both in service, fund raising and distribution, financial and information services in the field of banking activities ets. BJB Cikarang branch is the distribution of funds in which one form of credit in the credit sector Guna Bhakti (BECs), which is expected to help welfare especially the Civil Servants (PNS), Retired Or Other Employees

PENGARUH KUALITAS KREDIT YANG DIKLASIFIKASIKAN TIDAK PRODUKTIF SEKTOR KONSTRUKSI TERHADAP TINGKAT KESEHATAN KREDIT PADA BANK JABAR BANTEN CABANG BEKASI Didin Rasyidin Wahyu
Bussman Journal : Indonesian Journal of Business and Management Vol. 1 No. 2 (2021): Bussman Journal | Mei - Agustus 2021
Publisher : Gapenas Publisher

Banks as financial institutions whose activities include collecting funds from the public in the form of deposits such as savings , deposits , demand deposits and other forms of savings and channel them back to the community in order to improve the living standard of the people in the form of loans / credit . Bank may also be regarded as an institution that won the trust of the public , so the public trust must be maintained , then the bank must satisfy the clients as much as possible in carrying out its activities both in service , fund raising and distribution , financial information and other services in the field . Bank Jabar Banten as banking and business institutions as one of the fittings has a mission and local autonomy as a function of (a) Driving and driving the pace of development in the area , (b) Holders of Local Cash and / or implementing storage area is money, (c) One Local revenue sources . Based on the mission and functions carried the Bank Jabar Banten, in order to participate in promoting the pace of development continues, Bank Jabar Banten loans / credits to employers, employees, the propesi, and others

ANALISIS KETENTUAN PEMENUHAN MODAL MINIMUM (CAPITAL ADEQUACY RATIO) SEBAGAI SALAH SATU INDIKATOR KESEHATAN BANK (Studi Kasus pada Bank Rakyat Indonesia yang Terdaftar di BEI Periode 2011—2015) FITRIYANI FITRIYANI; DIDIN RASYIDIN WAHYU
Banque Syar'i : Jurnal llmiah Perbankan Syariah Vol 4 No 1 (2018): Januari - Juni 2018
Publisher : Departement of Islamic Banking, Faculty of Islamic Economics and Business, The State of Islamic University (UIN) Sultan Maulana Hasanuddin Banten,

AbstractThe banking sector, particularly banks, as part of a financial has importantrole as an intermediary institution for the sectors involved in an economy,and therefore the health of banks needs to be given serious attention, because itinvolves people's lives for the parties concerned for owners, government, andpublic using bank services. This study discusses the analysis of the provisionsof minimum capital adequacy (CAR) as an indicator of the health of banks(case study at Bank Rakyat Indonesia listed on the Stock Exchange 2011—2015). The analysis showed that the study year 2011—2015 Bank RakyatIndonesia is considered a very healthy bank, in connection with theassessment matrix composites, categorized in one rank higher because theratio of CAR is very insignificant in comparison to the Capital AdequacyRatio set forth in the provisions, because a very high percentage of capitalgrowth compared with the percentage growth in RWA. Therefore, the bank'shealth assessment criteria CAR ratio > 11% in a very healthy predicate thatcan be seen from the year 2011 reached 14.96%, 2012 reached 17.43%, in2013 reached 18.13%, in 2014 reached 19.57 %, in 2015 reached 21.39%

ANALISIS PEMBIAYAAN BERMASALAH (NON PERFORMING FINANCING) DAN KECUKUPAN MODAL (CAPITAL ADEQUACY RATIO) PADA BANK BRI SYARIAH TAHUN 2011 – 2016 DIDIN RASYIDIN WAHYU
Banque Syar'i : Jurnal llmiah Perbankan Syariah Vol 5 No 2 (2019): Juli - Desember 2019
Publisher : Departement of Islamic Banking, Faculty of Islamic Economics and Business, The State of Islamic University (UIN) Sultan Maulana Hasanuddin Banten,

In simple terms it can be said that a healthy bank is a bank that can carry out its functions properly. In other words, a healthy bank is a bank that can maintain and maintain public trust. This research was conducted to analyze financial performance using Non-Performing Financing (NPF) and Capital Adequacy Ratio (CAR) ratios. and know the NPF and CAR calculations from the data that has been presented in the BRI BRI Syariah financial statements for 2011-2016, so we can see the increase and decrease. The method used in this research is qualitative method. This research was conducted at BRI Syariah Bank using secondary data taken from the BRI Syariah Syariah annual financial statements in 2011-2016. The variables used were Non-Performing Financing (NPF) and Capital Adequacy Ratio (CAR). The results of this study note that the capital ratio or CAR during 2011 to 2016 is greater than the bank soundness assessment criteria set by Bank Indonesia of 8%, the ratio achieved by Bank BRI Syariah is categorized in the HEALTH group. While BRI Syariah NPF experienced quite noticeable fluctuations, the percentage was nearly 5% of the NPF set by Bank Indonesia. However, in its development the NPF of Bank BRI Syariah still shows a controlled figure (under 5%), which means it can be assessed HEALTHY. The conclusion of the study is based on the above explanation, then in the assessment of the level of capital adequacy (CAR) and problematic financing (NPF) in BRI Syariah Bank in 2011-2016 it can be said that the bank managed to maintain the value of the NPF and CAR ratio

ANALISIS PENILAIAN TINGKAT KESEHATAN PT. JAMKRIDA BANTEN TAHUN 2014—2016 Didin Rasyidin Wahyu; Siti Fatonah
Banque Syar'i : Jurnal llmiah Perbankan Syariah Vol 3 No 1 (2017): Januari - Juni 2017
Publisher : Departement of Islamic Banking, Faculty of Islamic Economics and Business, The State of Islamic University (UIN) Sultan Maulana Hasanuddin Banten,

Penelitian ini bertujuan untuk mengetahui tingkat kesehatan pada PT JAMKRIDA BANTEN tahun 2014—2016 dilihat dari masing-masing aspek yaitu aspek keuangan, aspek operasional, dan aspek administratif berdasarkan Peraturan Menteri Badan Usaha Milik Negara (BUMN) Nomor: PER-10/MBU/2014. Jenis penelitian ini adalah penelitian evaluasi. Subjek penelitian ini adalah PT. JAMKRIDA BANTEN. Objek penelitiannya adalah penilaian tingkat kesehatan jasa keuangan bidang usaha penjaminan yang terdiri dari 3 aspek yaitu aspek keuangan, aspek administratif, dan aspek operasional. Hasil penelitian menunjukkan bahwa : (1) aspek keuangan secara keseluruhan mendapat bobot nilai secara berturut-turut sebesar 22, 29, dan 29. Hasil aspek keuangan ini menunjukkan bahwa bobot penilaian secara keseluruhan mengalami peningkatan. (2) Aspek operasional secara keseluruhan mendapat bobot nilai secara berturut-turut sebesar 33, 33, dan 32. Hasil aspek operasional ini menunjukkan bahwa perkembangan bobot penilaian mengalami peningkatan. (3) Aspek administratif secara keseluruhan berfluktuatif dengan mendapat bobot nilai secara berturut-turut sebesar 15, 15, dan 15. Hasil tersebut menunjukkan bahwa kinerja administratif yang dicapai tidak maksimal. Secara keseluruhan tingkat kesehatan PT. JAMKRIDA BANTEN tahun 2014 mendapat total skor 72,5 dengan mendapat predikat Sehat kategori A, sedangkan pada tahun 2015 mengalami kenaikan akumulasi total skor yaitu menjadi 76,5dengan mendapat predikat Sehat kategori A. Tahun 2016 diperoleh skor yaitu menjadi 75,5 dengan mendapat predikat Sehat kategori A.

ANALISIS TINGKAT KESEHATAN BANK DENGAN MENGGUNAKAN METODE RGEC PADA BANK BANTEN TAHUN 2011-2016 DIDIN RASYIDIN WAHYU
Banque Syar'i : Jurnal llmiah Perbankan Syariah Vol 4 No 2 (2018): Juli - Desember 2018
Publisher : Departement of Islamic Banking, Faculty of Islamic Economics and Business, The State of Islamic University (UIN) Sultan Maulana Hasanuddin Banten,

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/bs.v4i2.1130

Abstract This study aims to find out how the health level of Banten Bank by using the RGEC method (Risk Profile, Good Corporate Governance, Earning, Capital) in 2011-2016. The type of research used is a descriptive research with a qualitative approach. Descriptive research design was created to describe the problem in a narrative manner supplemented with description of the bank’s health analysys qualitative research data. Variable and measurements in this study consist of Risk Profile, Good Corporate Governence, Earning, and Capital factor. Risk profile factor that assessed through the NPL and LDR ratios as a whole describe risk management that has been carried out fairly well. Good Corporate Governence factor of Banten Bank already has and implement corporate management very well. Earning or Profitability factor which is consist of ROA and NIM ratios. On average of ROA ratio of Banten Bank loses every years but the ratio of NIM is categorized as very well. The increase in the percentage of NIM illustrates an increase in managements ability to manage its productive assets in generating net interest income. By using the CAR indicator, researcher prove that Banten Bank has a good Capital factor which is above regulation of the Indonesian Bank namely 8%. This indicates that Banten Bank is able to finance operational activities and contribute sufficiently to profitability. The result of this analysis show that the soundness of Banten Bank in 2011-2016 which is measured using the RGEC method as a whole can be said to be a healthy bank.

Effect Of Third Party Funds On Lending To National Private Commercial Banks Didin Rasyidin Wahyu; Herna Setiawati
Journal of Applied Business, Taxation and Economics Research Vol. 1 No. 3 (2022): February 2022
Publisher : PT. EQUATOR SINAR AKADEMIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54408/jabter.v1i3.42

: This study aims to determine whether there is an influence between the independent variables (Current Accounts, Savings, and Deposits) on the dependent variable (Credit Distribution) at the National Private Commercial Banks listed on the Indonesia Stock Exchange (IDX) for the period 2014-2019. The research method used in this study is a quantitative method, the sample used in this study is a national private public banking company, a total of 7 national private banking companies are determined as a sample, the sampling technique is done using the Purposive Sampling method . The data used are secondary data in the form of company financial statements, analysis using Multiple Linear Regression analysis. The results showed that partially there is an influence of Demand Deposits on Credit Distribution, there is an effect of Savings on Credit Distribution and there is an influence of Deposits on Credit Distribution. While simultaneously (together) there is the influence of Demand Deposits, Savings, and Deposits on Credit Distribution. there is an effect of Savings on Credit Distribution and there is an influence of Deposits on Credit Distribution. While simultaneously (together) there is the influence of Demand Deposits, Savings, and Deposits on Credit Distribution. there is an effect of Savings on Credit Distribution and there is an influence of Deposits on Credit Distribution. While simultaneously (together) there is the influence of Demand Deposits, Savings, and Deposits on Credit Distribution.

ANALISA NON PERFORMING LOAN (NPL) DALAM MENETAPKAN TINGKAT KOLEKTIBILITAS KREDIT PADA PT. BANK PEMBANGUNAN DAERAH BANTEN Didin Rasyidin Wahyu
Jurnal Bina Bangsa Ekonomika Vol. 13 No. 2 (2020): Jurnal Bina Bangsa Ekonomika (JBBE)
Publisher : LP2M Universitas Bina Bangsa

Penetapan kualitas kredit mengacu pada ketentuan Bank Indonesia, yaitu PBI No.14/15/PBI/2012 tentang Penilaian Kualitas Aset Bank Umum dan SE BI No.7/3/DPN tanggal 31 Januari 2005 perihal Penilaian Kualitas Aktiva Bank Umum. Terhadap kredit bermasalah yang timbul tersebut diperlukan penanganan yang segera oleh pihak bank agar tidak berkelanjutan menjadi kredit macet yang jika persentasenya terus meningkat akan dapat mempengaruhi tingkat kesehatan bank Tujuan penetapan kolektibilitas kredit adalah untuk mengetahui kualitas kredit sehingga bank dapat mengantisipasi risiko kredit secara dini karena risiko kredit dapat mempengaruhi kelangsungan usaha bank. Di samping itu, penetapan kolektibilitas kredit digunakan untuk menetapkan tingkat cadangan potensi kerugian akibat kredit bermasalah. Metode penelitian ini adalah analisis kualitatif yang menjelaskan data-data dan hasil penelitian ini dalam kategori kualitatif. Data diambil dari laporan keuangan PT. Bank Banten, Tbk periode 2012-2016. Hasil penelitian ini menjelaskan bahwa berdasarkan Laporan Tingkat Kesehatan Bank pada PT. Bank Banten Tbk pada perhitungan rasio Non Performing Loan, pada tahun 2012 sebesar 8,3%, mengalami penurunan di tahun 2013 menjadi sebesar 5,5%, terjadi peningkatan sedikit di tahun 2014 menjadi 5,9%, kemudian mengalami penurunan kembali di tahun 2015 menjadi sebesar 4,8%, dan nilai rasio NPL tetap di tahun 2016 sebesar 4,8%. Secara umum rasio NPL PT. Bank Banten Tbk diperlukan penanganan lebih serius untuk mencegah terjadinya gangguan operasional perbankan

PENGARUH NET INTEREST MARGIN (NIM), NON PERFORMING LOAN (NPL) DAN BOPO (BIAYA OPERASIONAL PADA PENDAPATAN OPERASIONAL) TERHADAP RETURN ON EQUITY (ROE) PADA BANK UMUM NASIONAL YANG TERDAFTAR DI BEI Didin Rasyidin Wahyu; Iis Nurasiah; Rizki Nebula Triananda Putri
Jurnal Valuasi: Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan Vol. 3 No. 1 (2023): Jurnal Valuasi : Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan
Publisher : LP2M Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/vls.v3i1.198

The purpose of this study was to determine whether NIM, NPL and BOPO affect ROE at National Commercial Banks listed on the Indonesia Stock Exchange for the period 2015-2019. This research method uses quantitative research methods, the population of all National Commercial Banks listed on the IDX for the 2015-2019 period and a sample of 6 companies based on the purposive sampling method, data collection techniques use secondary data, the data analysis technique used in this study consists of statistical descriptions, classical assumption test, multiple linear regression analysis and coefficient of determination, statistical hypotheses consist of partial analysis (T-test) and simultaneous analysis (F-test). Based on the results of research and statistical calculations, it is known that the t-test (partial) obtained the NIM t-count value of -0.166> t_ (table) -2.048, the NPL t-count value of -2.840 <-t_ (table) -2.048, the BOPO t count value of -0.372 < t_ (table) -2.048 and the results of the f-test (simultaneous) obtained the F_count value of 4,972> F_ (table) 2.98. Thus it can be concluded that partially NIM does not have a negative effect on ROE, NPL has a negative effect on ROE, while OEOI has no negative effect on ROE and simultaneously NIM, NPL and BOPO have an effect on ROE at National Commercial Banks listed on the Stock Exchange. Indonesia for the period 2015-2019.

PENGARUH RETURN ON ASSET (ROA), RETURN ON EQUITY (ROE), DAN NON-FERFORMING FINANCING (NPF) TERHADAP CAPITAL ADEQUACY RATIO (CAR) PADA BANK UMUM SYARIAH PERIODE 2020 – 2024 ENDE; Deshinta Maya; Didin Rasyidin Wahyu
Journal Actual Organization of Economic Vol. 6 No. 02 (2025): Journal Actual Organization Of Economic (JAGO-E)
Publisher : LPPM STIE Mujahidin Tolitoli

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65212/jago-e.v6i02.174

This study analyzes the effect of Return on Assets (ROA), Return on Equity (ROE), and Non-Performing Financing (NPF) on the Capital Adequacy Ratio (CAR) of seven Islamic Commercial Banks in Indonesia for the period 2020–2024 using a quantitative multiple linear regression method, which found that ROA has a significant positive effect, ROE and NPF have a negative but insignificant effect, and simultaneously, all three have a significant effect with a contribution of 32.3%, which empirically confirms the importance of asset-based profitability in strengthening capital adequacy. However, this study is limited to three variables, a period affected by the pandemic, and a limited sample size, so the results need to be interpreted with caution.

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