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Analisis Manajemen Risiko dalam Prosedur Pembiayaan Gadai Emas di BJB Syariah KCP Kuningan Dewi Fatmasari; Anah Hasanah
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol. 9 No. 1 (2017)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v9i1.1731

Abstract

Abstrak Di dalam pembiayaan gadai emas Syariah (rahn) dilakukan oleh Rahin (pemilik barang) dan Al-Murtahin (penerima barang) dengan tujuan untuk memenuhi kebutuhannya bagi pemilik barang dengan menggadaikan barang tersebut sesuai prinsip Syariah. Pembiayaan gadai emas Syariah (rahn) memiliki prosedur yang dilalui hingga barang gadai tersebut kembali dimiliki oleh pemiliknya atau tidak, dan juga memiliki risiko-risiko yang melekat pada prosedur pembiayaan gadai emas. Sehingga diperlukan adanya manajemen risiko dalam prosedur pembiayaan gadai emas Syariah (rahn) supaya segala risiko yang ada dapat diminimalisir dan dapat diantisipasi dengan baik, demi terciptanya pembiayaan yang dapat memenuhi kebutuhan masyarakat dalam salah satu produk pembiayaan gadai emas di perbankan Syariah.Penelitian  ini  termasuk  penelitian  analisis deskripstif.  Metode  analisis  yang digunakan  adalah  metode  kualitatif.  Serta dalam menguji keabsahan data menggunakan teknik triangulasi. Teknik pengumpulan data dilakukan dengan cara wawancara, observasi, dan dokumentasi.Hasil penelitian ini menunjukkan bahwa analisis manajemen risiko dalam prosedur pembiayaan gadai emas di BJB Syariah KCP Kuningan memiliki 10 prosedur yang dilalui dalam pembiayaan gadai emas Syariah dengan ketentuan tertentu di setiap prosedurnya yakni permohonan pembiayaan, penaksiran barang gadai, pelunasan penuh, pelunasan sebagian, perpanjangan, SP 1 s/d SP 2 atau setara 3, lelang, kuasa lelang, penjualan dan pelunasan atau penutupan pada sistem. Dan memiliki risiko yang ada pada setiap prosedur pembiayaan gadai emas Syariah (rahn) dilihat secara umum dan dilihat dari beberapa risiko yang dimiliki perbankan. Serta  pada setiap prosedurnya memiliki manajemen risiko dalam satu kesatuan prosedur yang dilalui. Kata Kunci: Manajemen Risiko, Prosedur Pembiayaan, Gadai Emas          Abstract Financing hearts of gold pawn in sharia (Rahn) conducted by Rahin (owner of goods) and Al-Murtahin (recipient Goods) with the aim to meet their needs review For the owner of the goods to pawn with Goods Under Sharia. Gold mortgage financing Sharia (Rahn) have procedures in recitals that passed the Back Up Goods pawn or not owned by their owners, and also had Risks Inherent on gold mortgage financing procedure. So, we need their hearts Risk Management Procedures gold pawn Financing Sharia (Rahn) Any order for Risks can be minimized and can be anticipated with good, in order to create Financing can be meet society hearts prayer One Needs Financing Products pawning gold in Islamic Banking.Singer study included research deskripstif analysis. The analytical method used is a qualitative method. Test your hearts as well as the validity of the data using triangulation techniques. Data collection techniques with How to Interview, observation, and documentation.Results The singer showed that the analysis of the Risk Management hearts procedure Financing pawning gold in BJB Syariah KCP Brass has 10 Procedures That traversed hearts Financing gold pawn sharia the terms Certain every procedure that request financing, valuation of goods mortgage, repayment sold, the repayment of, renewal, SP 1 s / d SP 2 OR 3 equivalents, auction, auction Counsel, Sales And repayment or in Closure System. And it has nothing to any Risks Funding Procedures gold pawn Sharia (Rahn) Viewed Operating Sales manager and Risks Seen From some owned banks. As well as on each procedures have hearts One Unit Risk Management Procedures The impassable. Keywords: Risk Management, Finance Procedure, Gold Pawn.
Pengaruh Kepemilikan Institusional dan Leverage terhadap Nilai Perusahaan Dikdik Harjadi; Nanda Fajarwati; Dewi Fatmasari
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol. 10 No. 2 (2018)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v10i2.3603

Abstract

Abstrak Penelitian ini bertujuan untuk mengetahui pengaruh kepemilikan institusional dan leverage terhadap nilai perusahaan manufaktur sub sektor tekstil dan garment product di BEI periode 2013-2016.Metode penelitian yang digunakan dalam penelitian ini adalah metode deskriptif dan verifikatif dengan pendekatan kuantitatif. Populasi dalam penelitian ini adalah seluruh perusahaan manufaktur tekstil dan sub-sektor garmen yang sudah dan masih terdaftar di Bursa Efek Indonesia periode 2013-2016. Sampel diambil dengan menggunakan metode purposive sampling, dan diperoleh 10 perusahaan. Teknik analisis data yang digunakan panel data regresi. Hasil penelitian menunjukkan bahwa kepemilikan institusional memiliki pengaruh positif dan signifikan terhadap nilai perusahaan, dibuktikan dengan nilai t sebesar 3,9157 dan signifikansi 0,0004. Leverage berpengaruh positif dan signifikan terhadap nilai perusahaan, terbukti dengan nilai t sebesar 2,7891 dan signifikansi 0,0083. Kepemilikan Institusional dan leverage berpengaruh terhadap nilai perusahaan, terbukti dengan nilai t dalam jumlah 10,0295 dengan signifikansi 0,0003. Nilai adjusted R2 diperoleh dalam jumlah 0,3165. Hal ini menunjukkan bahwa kepemilikan institusional dan leverage mempengaruhi nilai perusahaan sebesar 31,65% dan sisanya sebesar 68,35% dipengaruhi oleh faktor lain yang tidak diamati dalam penelitian ini. Kata kunci: Kepemilikan Institusional, Leverage, dan Nilai Perusahaan    Abstract The research method that was used in this research was descriptive and verification method with quantitative approach. The population in this research was all manufacturing companies textile and garment sub-sector already and still listed in Indonesia Stock Exchange period 2013-2016. The samples was taken by using purposive sampling method, and acquired 10 companies. The  analysis data technique that was used data panel of regression. The results of research showed that the institutional ownership has a positive and significant effect on firm value, it was proved by the value of t in the amount of 3.915728 and the significance of 0.0004. Leverage has a positive and significant impact on firm value, it was proved by the value of t in the amount of 2.78913 and the significance of 0.0083. Institutional ownership and leverage effects to firm value, it was proved by the value of t in the amount of 10.02950 with significance of 0.000331. The value of adjusted R2 acquired in the amount 0.316497. This showed that institutional ownership and leverage influenced firm value in the amount of 31.65% and remaining in the amount of 68.35% influenced by other factors that was observed in this research. Keywords: Institutional Ownership, Leverage, and Firm Value
Market Orientation And Product Innovation To Increase Competitive Advantages And Its Impact On Marketing Performance Dikdik Harjadi; Dewi Fatmasari; Ayu Siti Nurhasanah
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol. 12 No. 1 (2020)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v1i1.5457

Abstract

This study aims to find out the effect of market orientation and product innovation on competitive advantage in relation to marketing performance on food SMEs (Small Medium Enterprises) in Darma Sub-District, Kuningan District, West Java. By applying a total sampling method, 42 food SMEs in Darma Sub-District were selected as samples in this study. Meanwhile, the research method used in this study was descriptive-verificative method. Basically, there were thee variables in this study, namely; 1) dependent variable (Z) – in this case, performance marketing; 2) intervening variable (Y) – in this case, competitive advantage; and 3) independent variable (X) – which includes market orientation (X1) and product innovation (X2). The collected data were then analyzed by applying path analysis and IBM SPSS 21.0. The result showed that; 1) market orientation has a positive and significant effect on competitive advantage with value (0,029 < 0,05); 2) product innovation has a positive and significant effect on competitive advantage with value (0,000 < 0,05); 3) market orientation has a positive and significant effect on marketing performance with value (0,045 < 0,05); 4) product innovation has a positive and significant effect on marketing performance with value (0,033 < 0,05); and 5) competitive advantage has a positive and significant effect on marketing performance with value (0.000 < 0,05).
Determinants Factors To Firm Value On Manufacturing Company Listed On The Stock Exchange Indonesa Dikdik Harjadi; Jaelani Jaelani; Dewi Fatmasari
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol. 13 No. 1 (2021)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v13i1.8339

Abstract

The study aims to analyze the influence of determining factors to the firm value, the gap phenomenon that the increase in the stock price index of the manufacturing sector is only slightly compared to the IDX Composite. Whereas the manufacturing sector are expected to have strong financial performance in contributing to the economy. This research uses a quantitative approach, with purposive sampling, obtained a sample of 110 the manufacturing companies listed on the Indonesia Stock Exchange (IDX) in 2010 - 2017, using multiple linear regression. The results show that the dividend policy and profitability affect the firm value, while managerial ownership and board size are the opposite. This finding is interesting, the increase in the firm value of manufacturing sector is determined by dividend and profit policies, not manager incentives and monitoring of the board, because in general the company's the managers and board are held by the majority shareholder. Keywords: firm value, dividend policy, managerial ownership, board size, and profitability.
Factors That Affect The Tendency of Accounting Fraud (Case Study At BUMN Banks In Kuningan Regency ) Dikdik Harjadi; Amir Hamzah; Dewi Fatmasari
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol. 14 No. 1 (2022)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v14i1.10089

Abstract

This study aims to find out and analyze the factors that affect the tendency of accounting fraud at BUMN banks in Kuningan Regency. This study uses descriptive and verifiative methods. Sampled in this study as many as 95 employees of BUMN banks in Kuningan Regency. The data analysis technique used is multiple regression analysis using Lisrel. The results showed that information asymmetry has a positive effect on the tendency of accounting fraud, spiritual intelligence negatively affects the tendency of accounting fraud, the morality of the leadership has no effect on the tendency of accounting fraud, the suitability of compensation negatively affects the tendency of accounting fraud and good governace has no effect on the tendency of accounting fraud. Keywords: information asymmetry, spiritual intelligence, morality of the leadership, the suitability of compensation, good governace, the tendency of accounting fraud
Co-Authors A.A. Ketut Agung Cahyawan W Aan Jaelani Abdul Aziz Abdul Aziz Abdul Fatakh Abdul Kholik Achmad Rondi Agustien Zulaidah Agustinus Dk Nugrahaning Gusti Aini , Nur Alvitasari, Lia Amir Hamzah Anah Hasanah Apriliyani, Feni Aqila, Zakiya Nada Ayu Siti Nurhasanah Azizan Sentosah Hutabarat Cicik Harini, Cicik Harini Dheasey Amboningtyas Dimas Fadilah Dini Fitria R Dinningthias, Desih Dyah Ika Kirana Jalantina Eva Pelitawati Fanther, Refaldo Farendra, Denny Febiana, Via Frastiyono, Arjun Futihah, Futihah Hafni Khairunnisa Hardiansyah, Indra Harini, Cicik Harjadi, Dikdik Hayatun Nufus Hidayat, Abas Hikmah , Nur Human Hanif, Sofi Ilham Hudi Aim Abdulkarim Kokom Komalasari, Ilham Hudi Aim Abdulkarim Indri Nur Oktavianti Iqbal Arraniri Irsad Jaelani Jaelani Juliani, Retno Djohar Khaerunisa, Ayu Kohari Amaludin Komalasari, Asni Kusumadewi, Rita Liana Dewi Saraswati Mahilda, Gita Mahsyar, Januar Habibi Makmuri Ahdi Maria Magdalena Minarsih Muhamad Muztahidin Munajat, Ma'mur Nakhwatunnisa, Haulah Nanda Fajarwati Natulisiya, Resa Uni Nur Eka Setiowati, Nur Eka Poni Purwati Pramesti, Ginna Novarianti Dwi Putri Praptono, Sri Pratama, Reza Rafly Aditya Mukti Raihan Yahya Ismail raptono, Sri Ravindran, Kirutikha Rekno Djohar Juliani Retno Djohar Juliani Rhawil Wahid, Ray Febisyah Rina Masrurah Rina Widayanti Rosdita Siahaan, Kartika Anggreany Sinta Petri Lestari Sinta Petri Lestari Siregar, Ahlun Nazi Siswahyudianto Siti Nurfadilah Sri Praptono Sri Wulan, Sri SRI WULANDARI Syaeful Bakhri Toto Suharto Ulfah, Mariyah Ummah, Gabriel Rosyidatul Varisa Munatasya Via Febiana Wely Hadi Gunawan Wulan, Heru Sri Yati Haryati Yati Haryati