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Analisis Tingkat Kesehatan Bank Aceh Syariah pada Tahun 2018-2022 Menggunakan Metode RGEC (Risk Profile, Good Corporate Governance, Earning dan Capital) Ahmad Fauzul Hakim Hasibuan; Ainun Marziah; Nurul Husna; Nurilda Safira
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 9 No 2 (2023): Juni 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/iqtishodiyah.v9i2.1098

This Research Aims To Analyze The Soundness Of Bank Aceh Syariah During The 2018-2022 Period Using Qualitative Methods And Quantitative Descriptive Approaches And RGEC Methods (Risk Profile, Good Corporate Governance, Earnings, And Capital). This Research Method Uses Qualitative And Quantitative Research Types. The data used in this research is secondary data, namely the 2018-2022 financial statements. This data was obtained by direct download from the Bank Aceh Syariah website. The analysis was carried out with reference to BI Regulation No.13/1/PBI/2011 and BI Circular Letter No.13/24/DPNP/2011 concerning the Assessment of the Soundness Level of Commercial Banks. As well as OJK Regulation No.8/POJK.03/2014 and OJK Circular Letter No.10/SEOJK.03/2014 Concerning Assessment of Soundness Level of Sharia Commercial Banks and Sharia Business Units. The research results show that overall, Bank Aceh Syariah in the 2018-2022 period is in good health. This can be seen from the evaluation of the Risk Profile (NPF, FDR), Good Corporate Governance (GCG), Earnings (ROA, BOPO), and Capital (CAR). In 2018 this bank earned a composite rating of 3 (fairly healthy), while in 2019-2022 this bank earned a composite rating of 2 (healthy). Keywords: Bank Health, Risk Profile, Good Corporate Governance, Earnings, Capital.

Analisis Laporan Arus Kas untuk Menilai Kinerja Keuangan Perusahaan pada Bank BCA Syariah Ahmad Fauzul Hakim Hasibuan; Alpi Sahrianti Ritonga; Intan Mutia; Sridevi Lumban Batu
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 9 No 2 (2023): Juni 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/iqtishodiyah.v9i2.1103

A good company must have a stable or ideal cash flow. The ideal cash flow condition is when the incoming and outgoing cash flows are balanced. However, there are three problems that can cause non-ideal cash flow, namely cash flow deficit problems, cash flow problems, and cash flow surplus problems. If cash inflows are less than cash outflows, the company will face an unprofitable cash deficit problem. The purpose of this study is to determine the level of cash flow statements to assess financial performance at Bank BCA Syariah. the discovery procedure was carried out without using statistical or quantitative methods. The results of the study show that the financial performance of PT Bank BCA Syariah from 2019 to 2022 both in terms of cash ratios, ROE, ROA and ROI is quite good and reliable. The company's ability to manage cash, equity, total assets and investments also looks good. However, it is necessary to watch out for profit turnover and total asset turnover which need further attention. Keywords: Cash Flow, Financial Performance

Analisis Perbandingan Kinerja Keuangan Periode 2018-2022 pada Bank BTPN Syariah dan Bank Bukopin Syariah Ahmad Fauzul Hakim Hasibuan; Nugra Kurnianto; Malikud Dhahir; Fajar Iqbal
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 9 No 2 (2023): Juni 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/iqtishodiyah.v9i2.1104

The Objective Of This Study Is To Empirically Investigate And Demonstrate The Differences In Financial Performance Between Bank BTPN Syariah And Bank BUKOPIN Syariah During The Period 2018-2022. The Research Employs A Comparative Descriptive Method And Collects Secondary Data In The Form Of Financial Statements From Bank BTPN Syariah And Bank BUKOPIN Syariah, Obtained From The Financial Reports Published By Bank Indonesia Through The Respective Banks' Official Websites. Data Analysis Is Conducted Using Financial Ratios Such As CAR (Capital Adequacy Ratio), ROA (Return On Assets), ROE (Return On Equity), FDR (Loan To Deposit Ratio), And NPF (Non-Performing Financing). The Analysis Method Employed Compares The Financial Performance Of Bank BTPN Syariah And Bank BUKOPIN Syariah. The Analysis Results Indicate That Overall, Bank BTPN Syariah Exhibits Better Financial Performance Compared To Bank BUKOPIN Syariah In Terms Of Capital, Profitability, Efficiency, Liquidity, And Quality Of Non-Performing Financing. This Study Provides Insights Into The Differences In Financial Performance Between Bank BTPN Syariah And Bank BUKOPIN Syariah During The Period 2018-2022. However, It Should Be Noted That This Study Has Limitations, And Other Factors That Were Not Considered May Influence The Financial Performance Of Each Bank Keywords: CAR, ROA, ROE, FDR, NPF.

Analisis Kinerja Laporan Keuangan BNI Syariah Pada Tahun 2016-2019 Ahmad Fauzul Hakim Hasibuan; Mirna Yanti; Rizkinawati; Dinda Rani Raihan
Journal of Trends Economics and Accounting Research Vol 3 No 4 (2023): June 2023
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jtear.v3i4.642

Financial stateimeint analysis is a proceiss for disseicting financial stateimeints, eixamining eiach eileimeint and eixamining thei reilationship beitweiein theisei eileimeints with thei aim of obtaining a good and accuiratei uindeirstanding and uindeirstanding of financial stateimeints. This reiseiarch is a quialitativei reiseiarch with a deiscriptivei approach uising quiantitativei data calcuilations in thei form of financial reiports. Thei popuilation in this stuidy weirei puiblisheid financial reiports of BNI and BNI Syariah, whilei thei sampling teichniquiei uiseid in this stuidy was puirposivei sampling, nameily sampling teichniquieis with ceirtain consideirations, and thei sampleis in this stuidy weirei thei financial stateimeints of BNI and BNI Syariah 2016-2019. Thei reisuilts of this stuidy indicatei that baseid on thei reisuilts of data analysis, it can bei obtaineid that baseid on thei analysis of thei liquiidity ratio, thei heialth leiveil of BNI is beitteir than BNI Syariah in accordancei with thei job asseissmeint criteiria and thei leiveil of bank souindneiss seit by Bank Indoneisia, both at thei cuirreint ratio or at cash ratio (cash ratio), baseid on thei analysis of thei solveincy ratio, thei peirformancei of BNI is beitteir than BNI Syariah on thei deibt to total eiquiity ratio, and thei heialth leiveil of BNI Syariah is beitteir than thei deibt to total asseit ratio and baseid on thei profitability ratio analysis, thei heialth leiveil of BNI is morei both from BNI Syariah both on reituirn on asseits and on reituirn on eiquiity. In geineiral, thei leiveil of financial heialth of BNI and BNI Syariah can bei said to bei heialthy / good. Beicauisei eivein thouigh thei deiveilopmeint is fluictuiating, it is still at a safei point.

Analisis Tingkat Kesehatan Bank Aceh Syariah pada Tahun 2018-2022 Menggunakan Metode RGEC (Risk Profile, Good Corporate Governance, Earning dan Capital) Ahmad Fauzul Hakim Hasibuan; Ainun Marziah; Nurul Husna; Nurilda Safira
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 9 No 2 (2023): Juni 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/iqtishodiyah.v9i2.1098

This Research Aims To Analyze The Soundness Of Bank Aceh Syariah During The 2018-2022 Period Using Qualitative Methods And Quantitative Descriptive Approaches And RGEC Methods (Risk Profile, Good Corporate Governance, Earnings, And Capital). This Research Method Uses Qualitative And Quantitative Research Types. The data used in this research is secondary data, namely the 2018-2022 financial statements. This data was obtained by direct download from the Bank Aceh Syariah website. The analysis was carried out with reference to BI Regulation No.13/1/PBI/2011 and BI Circular Letter No.13/24/DPNP/2011 concerning the Assessment of the Soundness Level of Commercial Banks. As well as OJK Regulation No.8/POJK.03/2014 and OJK Circular Letter No.10/SEOJK.03/2014 Concerning Assessment of Soundness Level of Sharia Commercial Banks and Sharia Business Units. The research results show that overall, Bank Aceh Syariah in the 2018-2022 period is in good health. This can be seen from the evaluation of the Risk Profile (NPF, FDR), Good Corporate Governance (GCG), Earnings (ROA, BOPO), and Capital (CAR). In 2018 this bank earned a composite rating of 3 (fairly healthy), while in 2019-2022 this bank earned a composite rating of 2 (healthy). Keywords: Bank Health, Risk Profile, Good Corporate Governance, Earnings, Capital.

Analisis Laporan Arus Kas untuk Menilai Kinerja Keuangan Perusahaan pada Bank BCA Syariah Ahmad Fauzul Hakim Hasibuan; Alpi Sahrianti Ritonga; Intan Mutia; Sridevi Lumban Batu
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 9 No 2 (2023): Juni 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/iqtishodiyah.v9i2.1103

A good company must have a stable or ideal cash flow. The ideal cash flow condition is when the incoming and outgoing cash flows are balanced. However, there are three problems that can cause non-ideal cash flow, namely cash flow deficit problems, cash flow problems, and cash flow surplus problems. If cash inflows are less than cash outflows, the company will face an unprofitable cash deficit problem. The purpose of this study is to determine the level of cash flow statements to assess financial performance at Bank BCA Syariah. the discovery procedure was carried out without using statistical or quantitative methods. The results of the study show that the financial performance of PT Bank BCA Syariah from 2019 to 2022 both in terms of cash ratios, ROE, ROA and ROI is quite good and reliable. The company's ability to manage cash, equity, total assets and investments also looks good. However, it is necessary to watch out for profit turnover and total asset turnover which need further attention. Keywords: Cash Flow, Financial Performance

Analisis Perbandingan Kinerja Keuangan Periode 2018-2022 pada Bank BTPN Syariah dan Bank Bukopin Syariah Ahmad Fauzul Hakim Hasibuan; Nugra Kurnianto; Malikud Dhahir; Fajar Iqbal
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 9 No 2 (2023): Juni 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/iqtishodiyah.v9i2.1104

The Objective Of This Study Is To Empirically Investigate And Demonstrate The Differences In Financial Performance Between Bank BTPN Syariah And Bank BUKOPIN Syariah During The Period 2018-2022. The Research Employs A Comparative Descriptive Method And Collects Secondary Data In The Form Of Financial Statements From Bank BTPN Syariah And Bank BUKOPIN Syariah, Obtained From The Financial Reports Published By Bank Indonesia Through The Respective Banks' Official Websites. Data Analysis Is Conducted Using Financial Ratios Such As CAR (Capital Adequacy Ratio), ROA (Return On Assets), ROE (Return On Equity), FDR (Loan To Deposit Ratio), And NPF (Non-Performing Financing). The Analysis Method Employed Compares The Financial Performance Of Bank BTPN Syariah And Bank BUKOPIN Syariah. The Analysis Results Indicate That Overall, Bank BTPN Syariah Exhibits Better Financial Performance Compared To Bank BUKOPIN Syariah In Terms Of Capital, Profitability, Efficiency, Liquidity, And Quality Of Non-Performing Financing. This Study Provides Insights Into The Differences In Financial Performance Between Bank BTPN Syariah And Bank BUKOPIN Syariah During The Period 2018-2022. However, It Should Be Noted That This Study Has Limitations, And Other Factors That Were Not Considered May Influence The Financial Performance Of Each Bank Keywords: CAR, ROA, ROE, FDR, NPF.

Analisis Tingkat Kesehatan Bank Umum Syariah Tahun 2022 Dengan Metode RBBR (Risk Based Bank Rating) Ahmad Fauzul Hakim Hasibuan; Yola Deviani; Nurhayati; Delia Permata Putri
An-Nisbah: Jurnal Perbankan Syariah Vol. 4 No. 2 (2023): Jurnal An-Nisbah: Perbankan Syariah
Publisher : PRODI PERBANKAN SYARIAH INSTITUT AGAMA ISLAM (IAI) SUNAN KALIJOGO MALANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/nisbah.v4i2.935

Penelitian ini bertujuan untuk menilai tingkat kesehatan Bank Umum Syariah (BUS) di Indonesia dengan menggunakan metode Risk Based Bank Rating (RBBR) atau dikenal juga dengan metode RGEC yang memperhatikan Profil Risiko, Pendapatan, dan Permodalan. BUS tahun 2022. Penelitian ini menggunakan metodologi deskriptif dengan pendekatan kualitatif. Hasil penelitian menunjukkan bahwa rata-rata rasio NPF BUS pada tahun 2022 sebesar 1,23%, menunjukkan bahwa BUS termasuk dalam kategori sangat sehat. Semakin rendah rasio NPF, maka semakin sehat bank tersebut. Rasio ROA rata-rata BUS pada tahun 2022 sebesar 1%, menunjukkan bahwa BUS termasuk dalam kategori sehat. Semakin tinggi rasio ROA maka semakin sehat bank tersebut. Rasio CAR rata-rata BUS pada tahun 2022 sebesar 28%, menunjukkan bahwa BUS termasuk dalam kategori sangat sehat. Semakin tinggi rasio CAR, semakin sehat bank tersebut. Hasil tersebut menunjukkan bahwa kinerja BUS di Indonesia harus ditingkatkan untuk memaksimalkan keuntungan (ROA) yang dicapai.

Analisis Likuiditas Bank Syariah Indonesia Tahun 2021-2022: Tinjaun Terhadap Curren Ratio, Quick Tario, Cash Ratio dan Net Working Capital To Total Aset Hendra Setiawan; Ahmad Fauzul Hakim Hasibuan; Ahmad Hadi Syaputra; Muhammad Mirza Amanda
An-Nisbah: Jurnal Perbankan Syariah Vol. 4 No. 2 (2023): Jurnal An-Nisbah: Perbankan Syariah
Publisher : PRODI PERBANKAN SYARIAH INSTITUT AGAMA ISLAM (IAI) SUNAN KALIJOGO MALANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51339/nisbah.v4i2.1065

Artikel ini mengkaji likuiditas Bank Syariah Indonesia melalui analisis rasio keuangan pada laporan keuangan tahun 2021-2022 dengan pendekatan rasio likuiditas. Hasil analisis likuiditas Bank Syariah Indonesia dari tahun 2021-2022, secara umum dapat dikatakan bahwa kinerja bank cukup baik. Hal ini terlihat dari fluktuasi Rasio Lancar, Rasio Cepat, dan Rasio Kas yang dicapai oleh perusahaan. Likuiditas perusahaan menurun disebabkan oleh peningkatan utang jangka pendek yang lebih besar dari aset lancar. Pada periode tersebut, terjadi penurunan rasio cepat (quick ratio) yang disebabkan oleh peralihan utang jangka panjang yang jatuh tempo menjadi hutang jangka pendek. Meskipun terjadi penurunan, rasio cepat masih berada dalam kisaran kriteria yang dianggap baik. Meskipun terdapat penurunan likuiditas, hal tersebut masih dalam batas yang dapat diterima dan tidak menunjukkan masalah serius dalam manajemen aset bank. Dengan demikian, dapat disimpulkan bahwa Bank Syariah Indonesia berhasil mengelola asetnya dengan baik dalam memenuhi kewajiban jangka pendeknya.

Membandingkan Kinerja Reksadana Syariah di Indonesia (Periode 2016-2020) Falahuddin Hasballah; Tinara Rama Dhani; Mukhlis M. Nur; Ahmad Fauzul Hakim Hasibuan; Fuadi
Jurnal EMT KITA Vol 7 No 3 (2023): JULY 2023
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v7i3.1457

The purpose of this study was to compare the performance of Islamic equity mutual funds in 2016-2020 using the Sharpe method. Treynor, and Jensen. The method used in this research is descriptive quantitative research. The type of data used is secondary data. From the results of the study found differences in performance values using the three. Using the Sharpe method, almost all Islamic stock mutual funds have negative performance values in 2016-2020. Only the Syariah Mutual Fund Lautandhana, while the Batavia Mutual Fund Syariah Shares have the lowest performance values. Using the Treynor method, the 2017-2020 observation period was all negative, whereas in 2016, the Lautandhana Saham Syariah mutual fund performed positively. Mutual Fund Batavia Dana Saham Syariah has the best performance value, Sucorinvest Sharia Equity Fund has the lowest performance value. Using the Jensen method, during the 2016-2020 observation period, all of them had positive performance values. The Mandiri Investa-Attractive Syariah Mutual Fund has the highest performance value, and the Cipta Syariah Equity Mutual Fund has the lowest performance value.

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