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All Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Justisia Ekonomika
Andi Nurul Islamiah
Universitas Islam Negeri Sunan Ampel Surabaya
Economics, Econometrics & Finance Social Sciences

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Risiko Operasional Bank dalam Pertumbuhan Pangsa Pasar Bank Syariah Indonesia (BSI) di Era Pandemi Covid-19 Andi Nurul Islamiah; Dewi Fatmala Umagap
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (2022)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (292.107 KB) | DOI: 10.30651/jms.v7i1.11386

Abstract

Optimalisasi kinerja bank yang baik dan sehat dapat meningkatkan pangsa pasar bank secara positif. Untuk itu bank perlu mengelola setiap masalah yang dapat menghambat optimalisasi aktivitas kinerjanya, terlebih di masa pandemi covid-19. Tujuan dari penelitian ini untuk mengetahui risiko yang timbul akibat pandemi Covid-19 pada operasional Bank Syariah Indonesia (BSI) yang dapat menyebabkan aktivitas kerja bank menjadi tidak optimal dan berdampak pada pangsa pasarnya. Penelitian ini menggunakan metode kualitatif deskriptif dan komparatif yang mendeskripsikan serta membandingkan data laporan keuangan di era pandemi covid-19 (2020-2021) di Indonesia. Hasil penelitian menunjukkan Bank Syariah Indonesia (BSI) telah melakukan mitigasi risiko dengan cara memperkuat layanan kanal digital BSI, serta menerapkan aturan pemerintah terkait protokol kesehatan dan mampu mempertahankan serta meningkatkan pangsa pasarnya yang dibuktikan dengan pertumbuhan laba BSI pada semester I/2021 sebesar Rp.1,48 triliun naik 15,16%. Kata Kunci: Risiko Operasional, Pangsa Pasar, Covid-19 Optimizing good and healthy bank performance can increase the bank's market share positively. For this reason, banks need to manage any problems that can hinder the optimization of their performance activities, especially during the COVID-19 pandemic. The purpose of this study is to determine the risks arising from the Covid-19 pandemic in the operations of Bank Syariah Indonesia (BSI) which can cause the bank's work activities to be not optimal and have an impact on its market share. This study uses descriptive and comparative qualitative methods that describe and compare financial statement data in the era of the covid-19 pandemic (2020-2021) in Indonesia. The results show that Bank Syariah Indonesia (BSI) has mitigated risk by strengthening services digital channel BSI, as well as implementing government regulations related to health protocols and being able to maintain and increase its market share as evidenced by BSI's profit growth in semester I/2021 of Rp.1 .48 trillion, up 15.16%. Keywords: Operational Risk, Market Share, Covid-19
APLIKASI SADD ADZ-DZARI’AH DALAM PERKEMBANGAN EKONOMI ISLAM Andi Nurul Islamiah
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 1 (2022): Juni 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i1.12091

Abstract

Prowth Islamic economy at the present time, there needs to be special attention related to the construction process, in which each stage of the process should pay attention to the good and bad, bring benefit or harm in the development of Islamic economics in accordance with the rules ofSharia. In line with the application of sadd adz-dzari'ah in the development of Islamic economics at the time, present it is necessary to pay attention to the law syara' and the rules of fiqh. This study aims to determine how good and bad sadd adz-dzari'ah . are when applied in the development of Islamic economics today. The method used is to use literature study (library research) with an approach descriptive then analyzed using the method Milles and Huberman with the stages of data reduction, data presentation and conclusions or verification . The results showed that the application of sadd adz-dzariah in the current development of Islamic economy is very vulnerable to lead to actions that cause damage/loss (mafsadah). Keywords: Sadd Adz-dzari'ah, Sadd Adz-dzari'ah Application, Islamic Economics
Co-Authors Dewi Fatmala Umagap