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ANALISIS RISIKO LIKUIDITAS BANK SYARIAH DENGAN METODE STOCK BASED DAN FLOW BASED Yahya, Amir; Sitasari, Ita; Syuhada, Sonia; Saprudin, Saprudin
Journal of Information System, Applied, Management, Accounting and Research Vol 10 No 1 (2026): JISAMAR (February 2026)
Publisher : Sekolah Tinggi Manajemen Informatika dan Komputer Jayakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52362/jisamar.v10i1.2229

Abstract

This study aims to analyze the potential liquidity risk of Islamic commercial banks classified under BUKU 1, namely Bank Victoria Syariah (BVS) and Bank Jabar Banten Syariah (BJBS), which have core capital below IDR 3 trillion during the 2019–2021 period. The research adopts a quantitative approach with descriptive analysis, utilizing secondary data obtained from the annual financial statements of both banks. Liquidity risk is assessed using stock-based and flow-based measurement methods. The results of the stock-based analysis indicate that, based on the ratio of liquid assets to short-term liabilities, both banks are categorized as having low liquidity risk. However, when measured using the ratio of liquid assets to total assets, the liquidity risk is classified as moderate, suggesting that both banks remain in a stable financial condition. The Financing to Deposit Ratio (FDR) also shows values within a normal range. Meanwhile, flow-based analysis reveals a negative liquidity gap in the short-term maturity period of less than three months, indicating potential short-term liquidity pressure.
The Role of Advertising and Sales Promotion in Shaping Community Interest in Islamic Bank Transactions Yahya, Amir; Amelia, Anisya Citra; Saprudin, Saprudin; Sitasari, Ita; Hamidiyah, Emmy
International Journal of Informatics, Economics, Management and Science Vol 5 No 1 (2026): IJIEMS (January 2026)
Publisher : Sekolah Tinggi Manajemen Informatika dan Komputer Jayakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52362/ijiems.v5i1.2228

Abstract

This study investigates the influence of advertising and sales promotion on community interest in conducting transactions at Islamic banks, with a focus on residents of Tegalsari Village. In the context of increasing competition within the banking sector, effective marketing strategies are essential, particularly for Islamic banks that operate based on distinct principles and values. This research adopts a quantitative approach using a survey method, involving 100 respondents selected from the local community. Data were collected through structured questionnaires and analyzed using multiple linear regression to test the proposed hypotheses. The results indicate that advertising has a positive and significant effect on public interest in transacting with Islamic banks. In addition, sales promotion is also found to significantly enhance community interest. These findings suggest that attractive advertising and well-targeted promotional activities play an important role in increasing public engagement with Islamic banking services. This study provides practical insights for Islamic bank management in developing effective marketing strategies and contributes to the literature on Islamic banking marketing