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All Journal Jurnal Riset Bisnis dan Investasi EconBank : Journal Economics and Banking Journal of Applied Islamic Economics and Finance Indonesian Journal of Community Services Cel Al-Muhasib: Journal of Islamic Accounting and Finance Mu'amalatuna: Jurnal Ekonomi Syariah Tapis : Jurnal Penelitian Ilmiah
Selvia Nuriasari
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Journal : Mu'amalatuna: Jurnal Ekonomi Syariah

 1 
MEMINIMALISIR PEMBIAYAAN BERMASALAH DALAM PEMBERIAN PEMBIAYAAN MIKRO DENGAN PRINSIP 5C Damayanti, Laila; Tobibatussaadah, Tobibatussaadah; Nuriasari, Selvia
Mu'amalatuna: Jurnal Ekonomi Syariah Vol 3, No 1 (2020): Mu'amalatuna: Jurnal Ekonomi Syariah
Publisher : Universitas Muhammadiyah Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36269/muamalatuna.v3i1.290

Abstract

The micro financing offered by BRIS KCP Metro is financing that is used for productive purposes in micro businesses. Micro Financing certainly carries the risk of problem financing which can increase the NPF BRIS value which affects the financial performance of BRIS. It is known that the NPF BRIS has increased quite significantly from 2017 to 2018, namely from 1.9% to 9.4% which explains the increase in problem financing in BRIS. To minimize this problematic financing, BRIS KCP Metro has strengthened the implementation of the 5c principle before distributing microfinance to the community. This research is a descriptive qualitative study that describes the application of the 5c principle in minimizing problematic micro financing at BRIS KCP Metro. The primary data sources are Unithead employees, BRI Syariah KCP Metro Micro Account Officer employees and problematic Micro Financing customers. The result of the research is the 5c principle in minimizing problematic micro financing in BRIS KCP Metro still needs improvement and evaluating several aspects of 5C, namely the aspect of character assessment and the aspect of capacity assessment. The weak application of character assessment for prospective customers is due to the inexperience of AOM employees which has resulted in increased financing problems due to dishonest customers in using these funds. Then AOM's weakness in assessing the business capacity of prospective customers is seen from AOM's mistakes in calculating or estimating the size of the accounts contained in the capacity component, because in micro businesses, well-structured financial reports are very rare. As a result of these two things, the NPF value increases every year. Therefore it is necessary to provide training for AOM employees to improve soft skills in analyzing 5Cs, and the need for periodic monitoring after disbursement so that the funds channeled are used in accordance with the proposals submitted by prospective customers.
ANALISA RASIO LIKUIDITAS DALAM MENGUKUR KINERJA KEUANGAN PT. MARTINA BERTO, TBK (TAHUN 2010 – 2016) Nuriasari, Selvia
Mu'amalatuna: Jurnal Ekonomi Syariah Vol 2, No 1 (2019): Mu'amalatuna: Jurnal Ekonomi Syariah
Publisher : Universitas Muhammadiyah Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36269/muamalatuna.v2i1.88

Abstract

Rasio keuangan adalah alat dalam menilai kinerja keuangan perusahaan yang bertujuan untuk mengetahui kemampuan perusahaan dalam membayar kewajiban jangka pendek secara tepat waktu serta mengukur kemampuan perusahaan dalam membiayai aktivitas operasi perusahaan. Adapun indikatornya adalah semakin mampu perusahaan membayar kewajiban atau utang jangka pendek perusahaan dan membiayai aktivitas operasi perusahaan, maka semakin sehat atau likud. Semakin turun kemampuan perusahaan membayar utang atau kewajiban jangka pendeknya dan membiayai aktivitas operasi perusahaan, maka semakin tidak sehat atau ill-likuid.  
Co-Authors Ahmad Rodoni Arief, Zaenal Damayanti, Laila Erika Amelia Maryadi Maryadi Nety Hermawati, Nety Nurhidayati Pitriani Pratiwi, Leni Nur Rahayu, Siti Nurpuji Rahmawati, Rahmawati Sainul Sainul Satriya Nugraha Suci, Okta Adioni Tinokae Rahma Sumanti, Susi Taruno, Agus Tobibatussaadah Tobibatussaadah Zulfikar, Ahmad Arif