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KINERJA KEUANGAN PERBANKAN DENGAN PENDEKATAN RISK-BASED BANK RATING Isfandayani, Isfandayani
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 8 No 2 (2017): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Shari?a Mandiri Bank and Bukopin Bank finances have a less significant difference when viewed from total assets at the end of 2014, which is only a difference of 12.109 trillion rupiah. It indicates that both have a performance that is not much different. This study aims to determine the differences in financial performance between Shari?a Mandiri Bank and Bukopin Bank during 2010-2014 by using Risk-based Bank Rating (RBBR) approach analysis. Risk-Based Bank Rating is a financial performance approach issued by the Financial Authority for banks in Indonesia in order to conduct self assessment on possible risks based on Bank Rating (composite rating). This research is included in quantitative research using a comparative approach that is, the researchers compare the financial performance of the two Banks. Results of research There are significant differences so that H1 is accepted while H0 is rejected because, the value of t arithmetic <0,05 is equal to 0,028. Evident from the composite rating in both Banks, Bukopin Bank has a very Healthy Composite Ranking of 90% when compared with Shari?a Mandiri Bank which is equal to 73% who has a Health rating.

ANALISIS PENERAPAN PRINSIP-PRINSIP GOOD CORPORATE GOVERNANCE (GCG) DI BANK BRI SYARIAH PUSAT Isfandayani, Isfandayani
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 9 No 1 (2018): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

This research is to know how to apply the principles of Good CorporateGovernance (GCG) at Bank BRISyariah Pusat, what are the obstacles faced inapplying GCG principles and how to overcome the obstacles that happened inapplying GCG principles at Bank BRI Syariah. The method used is the method ofqualitative naturalistic research with data collection techniques that is observation,interview and documentation. The results conclude that BRISyariah has applied GCGprinciples in accordance with applicable laws and regulations. There are five GCGprinciples applied by BRISyariah in accordance with Bank Indonesia Regulation(PBI) no. 11/33 / PBI / 2009 is transparency, accountability, responsibility,professional, fairness. Implementation of the principles of Good CorporateGovernance (GCG) under the authority of Bank BRISyariah can be said to be good,effective and in accordance with the provisions of applicable legislation.

Kinerja Keuangan Perbankan dengan Pendekatan Risk-Based Bank Rating Isfandayani Isfandayani
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 8 No 2 (2017): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v8i2.325

Shari’a Mandiri Bank and Bukopin Bank finances have a less significant difference when viewed from total assets at the end of 2014, which is only a difference of 12.109 trillion rupiah. It indicates that both have a performance that is not much different. This study aims to determine the differences in financial performance between Shari’a Mandiri Bank and Bukopin Bank during 2010-2014 by using Risk-based Bank Rating (RBBR) approach analysis. Risk-Based Bank Rating is a financial performance approach issued by the Financial Authority for banks in Indonesia in order to conduct self assessment on possible risks based on Bank Rating (composite rating). This research is included in quantitative research using a comparative approach that is, the researchers compare the financial performance of the two Banks. Results of research There are significant differences so that H1 is accepted while H0 is rejected because, the value of t arithmetic <0,05 is equal to 0,028. Evident from the composite rating in both Banks, Bukopin Bank has a very Healthy Composite Ranking of 90% when compared with Shari’a Mandiri Bank which is equal to 73% who has a Health rating.

Analisis Penerapan Prinsip-Prinsip Good Corporate Governance (GCG) di Bank BRI Syariah Pusat Isfandayani Isfandayani
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 9 No 1 (2018): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v9i1.1479

This research is to know how to apply the principles of Good CorporateGovernance (GCG) at Bank BRISyariah Pusat, what are the obstacles faced inapplying GCG principles and how to overcome the obstacles that happened inapplying GCG principles at Bank BRI Syariah. The method used is the method ofqualitative naturalistic research with data collection techniques that is observation,interview and documentation. The results conclude that BRISyariah has applied GCGprinciples in accordance with applicable laws and regulations. There are five GCGprinciples applied by BRISyariah in accordance with Bank Indonesia Regulation(PBI) no. 11/33 / PBI / 2009 is transparency, accountability, responsibility,professional, fairness. Implementation of the principles of Good CorporateGovernance (GCG) under the authority of Bank BRISyariah can be said to be good,effective and in accordance with the provisions of applicable legislation.

MENUMBUHKAN KEPEDULIAN TERHADAP PENANGGULANGAN PEREKONOMIAN BAGI ANAK YATIM DAN DHUAFA Angelica Richard Eka Putri; Isfandayani Isfandayani; Ria Marginingsih
An-Nizam Vol 1 No 1 (2022): An Nizam : Jurnal Bakti Bagi Bangsa
Publisher : Universitas Islam 45 Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/an-nizam.v1i1.3358

Poverty is an important problem related to population in many countries, including Indonesia. In 2020, Indonesia was hit by the Covid-19 pandemic which hit the economic sector and people's lives, in addition to health itself. The Central Statistics Agency (BPS) stated that the number of poor people in Indonesia increased by more than 2.7 million people due to the Covid-19 pandemic. Poverty is a human problem. From this dimension, the existence of poverty carries the consequence of a moral responsibility for everyone to pay attention to the lives of people living in poverty. Poverty is also a violation of human rights. In dealing with the economy, as a person who has high tolerance and solidarity, he will optimize his actions to overcome the economy by collecting funds from several people who have the same mission in tackling the economy, especially in the field of education for orphans and poor people. Because education is the foundation for overcoming poverty in the future. This study uses a descriptive approach by making observations and providing optimization efforts to overcome the economy by using the Education Assistance Fund program funds in the Pengasinan area, Rawalumbu, Bekasi.

STRATEGI PEMASARAN MELALUI MEDIA ONLINE UNTUK MENGEMBANGKAN USAHA RUMAHAN Karen Ainiyya; Isfandayani Isfandayani; Ria Marginingsih
An-Nizam Vol 1 No 2 (2022): An Nizam : Jurnal Bakti Bagi Bangsa
Publisher : Universitas Islam 45 Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/an-nizam.v1i2.3387

Marketing strategies through online media are very important for business people, in the current era that already has increasingly advanced technology. the purpose of doing community service is so that the community can develop their business in terms of marketing through online media. Therefore, it is necessary to implement the following: (1) explain and provide marketing training through online media so that it is more widespread (2) create a home-based business product label design to make it more attractive (3) create educational content for home-based business actors so that others can find out about marketing through online media.

PERAN GENERASI Z DALAM PENGUATAN EKONOMI KREATIF Ummi Khoiriyah; Isfandayani Isfandayani; Mas Deden Tirtajaya
DEVOSI Vol 3 No 2 (2022): Devosi Jurnal Pengabdian Masyarakat
Publisher : LPPM Universitas Islam 45 Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/devosi.v3i2.4580

Creative economy is a catch in thinking to get things that are economical. However, the contribution of Generation Z to the creative economy is still small, one of which is Generation Z in Sukarukun Village. This study aims to build the role of Generation Z in strengthening the creative economy. The implementation method in this activity uses the community education method by providing socialization, training and assistance to children and adolescents related to the creative economy which aims to increase public understanding and increase awareness of the importance of Generation Z's role in strengthening the creative economy. The results of this activity show that increasing insight related to the creative economy, Generation Z can make products about the creative economy by making handicrafts in the form of pencil cases that can be of economic value, designing product photos so that they are more attractive using photoroom applications, do product packaging and marketing on social media in the form of whatsapp business, instagram and tiktok.

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

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 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

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%).

PERAN PERBANKAN SYARIAH TERHADAP BAZNAS KOTA BEKASI Annie Faridha Farachdina; Isfandayani Isfandayani; Siti Mardiah
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.v1i2.5725

Zakat has a goal to improve the economic welfare of mustahiq. BAZNAS (National Amil Zakat Agency) is an institution for the collection and distribution of zakat owned by the Indonesian government. The presence of Islamic banking is expected to be able to play a role in realizing the goals of zakat and BAZNAS programs. This study discusses the role of Islamic Banking in Bekasi City BAZNAS. The research used is qualitative with primary and secondary data. The data collection techniques used are observation, interviews, and documentation. The results of this study indicate that the Islamic banks that have collaborated with BAZNAS Bekasi City are BTN Syariah, BJB Syariah, and Mega Syariah, with several cooperation programs. The role of Islamic Banking in Bekasi City BAZNAS using Maqashid Syariah analysis has been achieved, but in terms of funding it has not been optimal.

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