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All Journal Dinar: Jurnal Ekonomi dan Keuangan Islam Jurnal Ilmiah Ekonomi Islam Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Islamic Review : Jurnal Riset dan Kajian Keislaman Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Tasharruf: Journal Economics and Business of Islam Al-Azhar Journal of Islamic Economics AL-ARBAH: Journal of Islamic Finance and Banking Journal of Islamic Economics and Philanthropy AL-FALAH : Journal of Islamic Economics Al-Buhuts (e-journal) Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan Kunuz: Journal of Islamic Banking and Finance Journal of Indonesian Sharia Economics Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Jurnal Hukum Ekonomi Syariah : AICONOMIA Hikmayo: Jurnal Pengabdian Masyarakat Journal of Aswaja and Islamic Economics Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman
Trimulato Trimulato
Universitas Islam Negeri Alauddin Makassar
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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Journal : Tasharruf: Journal Economics and Business of Islam

 1 
RECOVERY OF MICRO FINANCING FOR WOMEN AT BANK BTPN SYARIAH DURING COVID-19 Trimulato Trimulato
Tasharruf: Journal Economics and Business of Islam Vol 6, No 2 (2021): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v6i2.1629

Abstract

The purpose of this research is to savvy the development of distribution productive financing for women’s economic enterprises at Bank BTPN Syariah and to describe the form of recovery conducted by Bank BTPN Syariah for women’s economic due to the impact of covid-19. This research is library research, using several sources that are considered relevant to the research theme. The research is qualitative describing the financing for women’s empowerment. Analysis technique in this research is descriptive qualitative by describing development financing at Bank BTPN Syariah during Covid-19, and describing patterns restoring women’s economic empowerment by bank BTPN Syariah. The results of this study indicate a decline in financing at Bank BTPN Syariah period March 2020 to August 2020. Murabahah transaction has decreased to 22.16 percent, musharakahhas decreased to 55.82 percent, and qard has decreased to 3.90 percent. The recovery strategy for women’s economic, conducted by Bank BTPN Syariah in the midst of covid-19 is to provide financing relief to SMEs customers, restructuring, good communication with customers, training for customers, and improving digital services. Bank BTPN Syariah customers affected by the pandemic, that is why efforts are made to fulfil customer needs, and bank performance returns to be better.
THE INFLUENCE OF INTERNAL AND EXTERNAL FACTORS AS AN EXPLANATION OF CHANGES IN NON-PERFORMING FINANCING AT BANK BNI SYARIAH Sudirman Sudirman; Trimulato Trimulato; Andi Sadapotto; Yulianti Yulianti
Tasharruf: Journal Economics and Business of Islam Vol 7, No 2 (2022): DECEMBER
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v7i2.2084

Abstract

The purpose of this research is to analyze the influence of internal variables including Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Operational Costs to Operating Income (BOPO), and external variables, including Inflation and value of the exchange rate on Non-Performing Financing (NPF). The data used is secondary data obtained from financial statements from Bank BNI Syariah and Central Statistics Agency. The type of data analyzed is time series quarter period last ten years, from 2011 to 2020. The data analysis method is carried out using multiple regression with SPSS version 26. The results of this study found together the Financing to Deposit Ratio variables (FDR), Capital Adequacy Ratio (CAR), Operating Costs to Operating Income (BOPO), Inflation, and Exchange Rates have a significant effect on Non-Performing Financing (NPF). Meanwhile, the partial Financing to Deposit Ratio (FDR) variable has a negative and insignificant effect on Non-Performing Financing (NPF). Likewise, Operational Costs on Operating Income (BOPO) have a positive and insignificant effect on Non-Performing Financing (NPF). Meanwhile, Capital Adequacy Ratio (CAR) and Inflation have a positive and significant effect on Non-Performing Financing (NPF). However, the exchange rate has a negative and significant effect on Non-Performing Financing (NPF). The conclusions were tested together with variables Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Operating Costs to Operating Income (BOPO), Inflation, and Exchange rates have a significant effect on Non-Performing Financing (NPF) at Bank BNI Syariah.
Co-Authors Anak Agung Istri Sri Wiadnyani Andi Sadapotto Anita Sukawati Asyraf Mustamin Asyraf Mustamin Atikah Widhiana Putri Euis Amalia Farid Fajrin Hargiani, Fransisca Xaveria Hasbiullah Hasbiullah Iryani Iryani Ismail Halim Ismawati Ismawati Kamaruddin Kamaruddin Kamaruddin Lismawati Lismawati M. Cholil Nafis Mega Oktaviany Muhammad Kharis Tambusa Muhlis Masin Muhlis Muhlis Nasrullah Bin Sapa Nuringsih Nuringsih Nursyamsu Nursyamsu Rizki Rahim Samsul Samsul St Hafsah Umar Sudirman Sudirman Trisno Wardy Putra yulianti yulianti