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ANALISIS PENILAIAN TINGKAT KESEHATAN BANK MENGGUNAKAN METODE RGEC PADA BANK SYARIAH DI INDONESIA Iskandar, Dwifa Putra; Amalia, Alvien Nur
Journal of Accounting, Management and Islamic Economics Vol. 3 No. 2 (2025): Journal of Accounting, Management, And Islamic Economics, Volume 03, No. 02, De
Publisher : Ibs Press

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Abstract

This research was conducted to analyse how the soundness level of Islamic banks both individually and as a whole. In conducting the assessment using the Risk Profile, Good Corporate Governance, and Capital (RGEC) method in accordance with POJK Number 10 ISEOJK 03 I 2014 concerning Rating of Soundness for Islamic Commercial Banks and Sharia Business Units. This RGEC is a change from the Capital, Assets, Management, Earning, Liquidity, and Sensitivity to Market Risk (CAMELS) by Bank Indonesia, because CAMELS is considered insufficient to provide a complete picture of how the bank is managed. The total number of Islamic banks studied was 14 Islamic commercial banks registered with the Financial Services Authority (OJK). Assessment of the Soundness Level of Islamic Commercial Banks both as a whole or Individually using the RGEC method, showing the results of the bank's soundness predicate in accordance with the standards set by the Financial Services Authority during the 2014-2019 period, it can be concluded that only Bank Aceh and Bank NTB Syariah get a rating composite with the conclusion 'Very Healthy" and for other Sharia Banks it only achieves "Sound", "Fairly Sound" and "Unhealthy". The soundness level of Islamic Commercial Banks is viewed from the aspects of the Risk Profile, GCG, Earnings, and Capital as a whole in Indonesia during the 2014-2019 period, predicated on a Healthy" conclusion.
Persepsi Mahasiswa terhadap Produk Bank Syariah Amalia, Alvien Nur; Listiani, Meydian; Putri, Natasya Adithia; Falihah, Amara; Damayanti, Putri
Tasharruf : Journal of Islamic Economics and Business Vol. 6 No. 2 (2025): Tasharruf : Journal of Islamic Economics and Business (November)
Publisher : Program Studi Perbankan Syariah Sekolah Tinggi Agama Islam Salahuddin Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55757/tasharruf.v6i2.1154

Abstract

Produk perbankan syariah adalah produk keuangan yang disediakan oleh lembaga keuangan yang beroperasi sesuai dengan prinsip-prinsip syariat Islam, dan berperan penting dalam memfasilitasi kegiatan ekonomi dan memenuhi kebutuhan individu dan perusahaan yang ingin mematuhi prinsip-prinsip syariat. Penelitian ini bertujuan untuk mengeksplorasi persepsi mahasiswa terhadap produk perbankan syariah. Penelitian ini bersifat deskriptif, menggunakan data primer yang dikumpulkan melalui kuesioner yang dibagikan kepada mahasiswa di Jakarta Selatan. Metode analisis yang digunakan adalah analisis statistik deskriptif, menyajikan data menggunakan tabel, grafik, diagram lingkaran, persentase, dan dihitung menggunakan rumus Slovin, kemudian dijelaskan secara deskriptif. Populasi dalam penelitian ini adalah 1.358 orang, dengan ukuran sampel 102. Dari 102 responden yang disurvei, 29,77% sangat setuju, 44,16% setuju, 17,12% netral, 7,96% tidak setuju, dan 0,98% sangat tidak setuju. Temuan penelitian dianalisis menggunakan rentang analisis deskriptif, yang berada dalam rentang 96%, menunjukkan hasil yang sangat baik. Kisaran nilai untuk hasil yang sangat baik diindeks dari 80% hingga 100%.