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All Journal Journal of Business and Management The Indonesian Journal of Business Administration Journal of Islamic Monetary Economics and Finance
Arson Aliludin
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Proposed Financial Strategy of Paid Up Capital Requirement for Bank Sumsel Babel Syariah's Spin Off in 2020 Faradhipta, Adrian Chandra; Aliludin, Arson
The Indonesian Journal of Business Administration Vol 3, No 10 (2014)
Publisher : The Indonesian Journal of Business Administration

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Abstract. Indonesia Banking Act  No. 21 issued on 16 July 2008, and Bank Indonesia Regulation No. 11/10/PBI/2009 or known as PBI No.11 regarding Sharia Business Unit enacted on 19 March 2009. Both regulations require all conventional banks which owned Sharia Business Unit (UUS) to spin off their UUS becoming general Islamic Bank or known as Bank Umum Syariah (BUS). Bank Sumsel Babel that has Sharia Business Unit called Bank Sumsel Babel Syariah is also no exception in these regulations. They have to obey the rules and doing spin off at least in 2023.In 2011 Bank Sumsel Babel had already gave a proposal to Bank Indonesia. They already arranged the the scenario of paid up capital. In meantime there are a lot of factors affected Bank Sumsel Babel operation. They just only could gather 232 Billion up till 2014, this lead Bank Sumsel Babel Syariah being struggle with their own plan to do spin off in 2020. In order to find out the solution, the writer of this thesis analyse the available options for Bank Sumsel Babel to get additional paid up capital from various sources. Based on the analyses and some considerations the best option for Bank Sumsel Babel is doing IPO about 25% of it shares to public with totalKeywords: international expansion, market growth strategy, lubricant market, passenger cars and pickup trucks sectors, flanking strategy, Hambrick and Fredrickson’s framework of strategy.
Proposed Improvement Strategy for Gold Installment Product of Bank Syariah Mandiri (Case Study at Sub Branch XYZ) Indrayani, Yeni Puspa; Aliludin, Arson
The Indonesian Journal of Business Administration Vol 4, No 11 (2015)
Publisher : The Indonesian Journal of Business Administration

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Abstract. Bank Syariah Mandiri (BSM), the largest Islamic bank in Indonesia, has launched Gold Installment Product in March 2013. This product is included in the category of consumer financing with murabahah (sale and purchase) scheme. Gold Installment is a complementary financing gold-based products previously owned by BSM namely Gold Pawn.Internal data shows portfolio of Gold Installment in BSM Sub Branch XYZ is still considered very low. In the year of 2013, it accounted IDR100,905,706.77 of the total financing portfolios of IDR91,072,965,069.37. Meanwhile, in 2014 it amounted to IDR802,547,002.95 of the total financing portfolios of IDR43,735,597,055.89. This final project is intended to conduct an analysis of Gold Installment Product as new financial products in general and its connection with the Gold Installment financing portfolio in Sub Branch XYZ Gold which is still very low.In the meantime, external analysis using PEST, Porter's Five Forces, and Customer Survey has been carried out. Furthermore, internal analysis using financial analysis, analysis of marketing, analysis of human resources, analysis of risk, SWOT analysis, product analysis, and analysis of performance. The analysis concludes that the root causes of the issue related to low achievement of Gold Installment are product feature that is not in accordance with public expectation which is still too expensive, quantity and quality of human resources, as well as insufficient promotion.As the recommendation business level and functional level strategy has been identified. In business level, BSM should re-identify the strategy and deliver Cost Leadership Strategy as the business level strategy of Gold Installment. Meanwhile, for functional level, several activities should be carried out include product improvement, price adjustment, promotion program improvement, after sales service program, and human resource development. Furthermore, Improvement strategies for financing products Gold Installment done in two stages which are the improvement in Sub Branch XYZ is internal improvement and external improvement in general in BSM with proposals related to the product owner is Pawning Division (PWD).Keyword : Islamic Banking, Financing, Murabahah, Gold Installment 
Feasibility Study Analysis on Bot Scheme Change (Study Case: PT XYZ) Kartika, Danny; Aliludin, Arson
The Indonesian Journal of Business Administration Vol 2, No 6 (2013)
Publisher : The Indonesian Journal of Business Administration

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XYZ revenue in their core business has been decreasing in the latest years because of the improvement of message delivery. Meanwhile, many property assets that XYZ has are not optimally used, so XYZ makes diversification business strategy to optimize their idle asset by partnership with the partner through business scheme such as “Build, Operate, and Transfer” (BOT). One of the idle property assets of XYZ in which the optimization plan needs to be changed is an idle asset in Banjarmasin, a partnership between XYZ and a partner by optimizing land of XYZ. The concept of the property was mall or shopping centre, later because of financial problem caused by monetary crisis in 2008 and the competition faced makes the revenues decreased. In 2010 the property would be changed to third star hotel concept. The main problem that will be defined in this final project is whether the property asset feasible enough financially to become into hotel, based on the financial parameters that are used in the assumptions. The method used to solve is by analyzing the main root cause of problem, analyzing property industry attractiveness with Porter Five Forces, making feasibility study analysis using discounted cash flow methods of the project, analyzing sensitivity in pessimistic, most likely, and optimistic scenarios, and by giving conclusion about the project feasibility.  The result of feasibility study and sensitivity analysis found out that the project is feasible for both XYZ and partner in all scenarios, except not feasible in pessimistic scenario for XYZ. The project can be implemented by making clear and precise contract and agreement so to avoid terms unclearness in the future, making renovation of interior and exterior of the building and the facilities, and by maintaining the hotel in the operation stage. Key Words: feasibility study, sensitivity, asset, BOT, optimize
Financial Performance Analysis to Reformulate Business Strategy (Case Study: Bank Syariah Mandiri KCP XYZ) Rachmadiah, Euis; Aliludin, Arson
The Indonesian Journal of Business Administration Vol 2, No 8 (2013)
Publisher : The Indonesian Journal of Business Administration

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The purpose of this research is to analyzing Financial Performance of KCP XYZ of PT Bank Syariah Mandiri in order to reformulate business strategy and its implementation plan. The strategy formulation is conducted with evaluating its current performance as a first stage element. Financial Performance analysis by 4 financial ratios; ROA, BOPO, NCOM, FDR and 4 growth ratios; Growth of Assets, Growth of Depositor Funds, Growth of Financing and Growth of Net Earnings, is chosen to evaluate the position of KCP XYZ comparing to other nine KCP under supervision of Regional R. This research is supported by the primary data (financial data) and secondary data (literature review).Based on financial performance and SWOT analysis results, the KCP XYZ strategy generated is concentration growth strategy. The alternative strategies to accomplish the growth strategy are generated through Ansoff matrix that include: market penetration, product development, market expansion to new markets, and product diversification. Through FGD, the decision of selected strategies and the implementation priority are: market penetration, product development strategy and market expansion.The implementation of the selected strategies are through developing integrated programs and action plan at each functional departments  Keyword: Financial ratios, Growth Ratios, SWOT, Ansoff Matrix
Investment Analysis of New Inpatient Wards Project at Ulin Hospital of Banjarmasin Nugraha, Aldilla Wira; Aliludin, Arson
The Indonesian Journal of Business Administration Vol 2, No 3 (2013)
Publisher : The Indonesian Journal of Business Administration

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Adequate health care in a province is one of the primary needs that cannot be neglected. These needs will affect the health and life expectancy of the population of the province. Hospital is one of the health facilities provided by the government or private, in which there are many types of health services one of which is the inpatient ward. The research for this thesis conducted at new inpatient wards project of BLUD Ulin hospital in Banjarmasin. At this time, RS Ulin has ten class inpatient services with a total capacity of 520 beds. The main focus of this thesis is to conduct an investment analysis on new inpatient wards which claimed a total investment cost of Rp. 39,781,562,180. Investment valuation method used is Net Present Value (NPV), Internal Rate of Return (IRR) and payback period (PBP). Alternative funding of this project is 100% through APBD or 60% debt of investment cost. From the analysis it was found that the value of the project by fully APBD funding alternative budget has a greater NPV and IRR and PBP faster the NPV is Rp 28,496,595,592; IRR 14.67%; simple PBP 7 years 5 months; discounted PBP 10 years 5 months while that for second alternative funding the NPV is Rp (1,504,304,542); IRR of 9.15%. The scenarios analysis are set to five scenarios, which are very pessimistic, pessimistic, mostly-like, optimistic, and very optimistic with their respective optimal occupancy rate 56%, 63%, 70%, 77%, and 84%. Under the very pessimistic scenario the project has NPV Rp 10,899,289,212; IRR 11.06%; simple PBP 8 years 2 months; PBP discounted 12 years 7 months Keyword: Hospital, inpatient, BOR, NPV, IRR, PBP
Business Feasibility Study of Optical Permai Branch at Batam, Kepulauan Riau. Prawiraningrum, Sandy Widya; Aliludin, Arson
The Indonesian Journal of Business Administration Vol 3, No 3 (2014)
Publisher : The Indonesian Journal of Business Administration

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Abstract. Batam is one of the cities with rapid economic growth. Population growth in Batam also growing rapidly because many industries that established, so many business opportunities that are open to meet the needs of residents of Batam one of which is the need of glasses. Optical Permai is one of the older players on the field, but only has 2 stores in Jakarta. The owner saw a great opportunity to open a branch in Batam. There are several aspects that are used to analyze the business idea, the legal aspects, environmental aspects, the market and marketing, human resource aspects, technical and technological aspects, aspects of risk, and financial aspects. From the conclusion on an analysis of the business feasibility of Optical Permai Batam Branch  showed that the establishment of a branch in Batam feasible in legal aspects, environmental aspects, the market and marketing, human resource aspects, technical aspects and technology, and financial aspects.Key words: business feasibility study, business development, legal aspect, environmental aspect, market and marketing aspect, technical and technology aspect, risk analysis, financial aspect.
Business development of car-restaurant in Malang case study of warung mobil onosogrem Maharani, Intan Surya; Aliludin, Arson
Journal of Business and Management Vol 9, No 2 (2020)
Publisher : Journal of Business and Management

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Abstract. Warung Mobil Onosogrem is one of car-restaurants in Malang. They produce Java traditional dishes and sell them by opening a restaurant in their car. The problem however is that they have not made any big development in sales despite they have run the business for 9 years. Their car which plays a big role in the business is also getting old, causing a hamper to the business. This brings forth the question of if it is economically possible for Warung Mobil Onosogrem to buy a new car and develop the business all at one time. To collect the information needed, a direct interview with the owner of Warung Mobil Onosogrem is used. Data is then used to analyze the marketing and production capacity of the business. From the analysis, alternatives are developed and the economic feasibility is measured. There are two alternatives proposed. The first alternative is to make a small change by renewing all equipment and modifying the business atmosphere. The second alternative is to make a bigger change by renewing all equipment and modifying the business atmosphere, as well as opening the stall earlier and enlarging the market range through a take-away-only branch in the center of the city. Those two alternatives are economically feasible. The rate of return difference between the two alternatives is relatively slight, but the second alternative has a slightly longer payback period but offers a chance for Warung Mobil Onosogrem to develop their production capacity and their market range that can be useful for further development.Keywords: MSMEs, car-restaurant, business development, economic feasibility
DO ISLAMIC BANKS IN INDONESIA TAKE EXCESSIVE RISK IN THEIR FINANCING ACTIVITIES? Purbayanto, Muhamad Anindya Hiroshi; Faturohman, Taufik; Yulianti, Yulianti; Aliludin, Arson
Journal of Islamic Monetary Economics and Finance Vol. 8 No. 1 (2022)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v8i1.1431

Abstract

This study analyzes the risk-taking behavior of Indonesian Islamic Banks by examining whether the relation between financing Growth rate and non-performing financing (NPF). We employ threshold regression models and bank-level data of 24 Islamic banks (full-fledged Islamic banks and Islamic banking windows) covering the period from 2009 to 2019. We find evidence for the excessive risk-taking of Islamic Banks. More specifically, while the relation between NPF and FGR is negative when the one-lagged NPF is below the threshold (estimated to be 5.42%), it turns positive once it is above the threshold. This means that banks with NPF above the 5.42 percent threshold tend to take risky loans.
Co-Authors Adhytia Azhari Rasyid Adrian Chandra Faradhipta, Adrian Chandra Ahmad Junaedi, Rahayu Aldilla Wira Nugraha Azhahra, Devi Rizkia Chaterina Manurung, Chaterina Danny Kartika Dita Herdiana Erza Aldiansah Euis Rachmadiah Fatimah Nur Zuhrah Hassadi, Irfan Immanuel, Bernhard Maharani, Intan Surya Nacita Pramesty Sari Purbayanto, Muhamad Anindya Hiroshi Sandy Widya Prawiraningrum, Sandy Widya Taufik Faturohman Yeni Puspa Indrayani, Yeni Puspa Yulianti Yulianti