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All Journal Ahkam: Jurnal Ilmu Syariah El Dinar Jurnal Perspektif Ekonomi Darussalam Al Tijarah Jurnal EMT KITA Wikrama Parahita : Jurnal Pengabdian Masyarakat SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Journal of Sharia Economics JIHBIZ :Global Journal of Islamic Banking and Finance. JIMEBIS Share: Jurnal Ekonomi dan Keuangan Islam EKOBIS SYARIAH Islamic Business and Management Journal (IBMJ) Jurnal Pengabdian Masyarakat ISEI
Isnaliana Isnaliana
Universitas Islam Negeri Ar-Raniry, Banda Aceh
Religion Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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ANALISIS PENERAPAN MANAJEMEN RISIKO DALAM UPAYA PENCEGAHAN PEMBIAYAAN BERMASALAH PADA PT. BPRS HIKMAH WAKILAH BANDA ACEH Sarah Nadia; Nevi Hasnita; Isnaliana I
Jurnal Ilmiah Mahasiswa Ekonomi dan Bisnis Islam Vol 1 No 2 (2020)
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (179.023 KB) | DOI: 10.22373/jimebis.v1i2.133

Abstract

Penelitian ini dilakukan untuk mengetahui faktor-faktor terjadinya pembiayaan bermasalah serta penerapan manajemen risiko dalam upaya pencegahan terjadinya pembiayaan bermasalah pada PT. BPRS Hikmah Wakilah Banda Aceh. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan deskriptif. Teknik pengumpulan data yang digunakan yaitu wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwa faktor terjadinya pembiayaan bermasalah terdiri dari faktor internal dan faktor eksternal. Adapun penerapan manajemen risiko yang digunakan yaitu identifikasi risiko, pengukuran risiko, pemantauan risiko dan pengendalian risiko. Keempat proses manajemen risiko di atas mencakup analisis 5C, kelengkapan dokumen, serta monitoring rutin dengan melakukan kunjungan harian. Dalam penyelesaian pembiayaan bermasalah PT. BPRS Hikmah Wakilah Banda Aceh menggunakan pendekatan persuasive dengan melakukan musyawarah yang kemudian diterapkan penjadwalan kembali (reschedulling), persyaratan kembali (reconditioning), penataan kembali (restructuring), hingga eksekusi jaminan. Penerapan manajemen risiko yang digunakan sudah berjalan dengan efektif dalam meminimalisasi risiko pembiayaan bermasalah. Hal ini di buktikan dengan penurunan tingkat Non Performing Financing (NPF).
Generation Z And Sharia Finance: UIN Ar-Raniry Students' Perceptions Of Bank Indonesia's Savings Products Isnaliana, Isnaliana; Tarigan, Ismail Rasyid Ridla; Maulana, Andri
Scientific Journal of Students Islamic Economics and Business Vol. 6 No. 1 (2025): JIMEBIS
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/vzf28h48

Abstract

In the current digital era, students are increasingly dependent on Islamic bank savings products to meet their daily transaction needs. Although in general students are satisfied with one savings product, dissatisfaction with the product they have encourages them to open an account at another sharia bank. This shows that product and service quality is the main factor in choosing savings products for students. The aim of this research is to determine the perceptions of students at the Islamic Economics and Business Faculty of UIN Ar-Raniry towards Bank Syariah Indonesia savings products. This research method uses qualitative, with interview and documentation techniques. The results of the perception research are based on three aspects: 1) The assessment aspect, some students gave an assessment while using Bank Syariah Indonesia's savings products as very good. 2) In the response aspect, the majority of students agree and are greatly helped by the presence of Bank Syariah Indonesia savings products in the student environment. 3) Opinion aspect, all students stated that Bank Syariah Indonesia's savings products were very relevant to what was needed, both internal and external needs. Keywords: Perception, response, opinio, savings products
Co-Authors Ahadi, Mu’thial Aini, Intan Qurratul Amalia, Zikra Amanatillah, Dara Analiansyah Ananda Rizkina arif arif Ashal, Farid Fathony Ayumiati, Ayumiati Azharsyah Ibrahim Cahyani, Aulia Dwi Oktavia Dara Amanatillah Amanatillah Eddy Gunawan, Eddy Evriyenni Evy Iskandar Farid Fathony Ashal Hafas Furqani Hafiizh Maulana Hasnita, Nevi Inayatillah Djakfar Innayatillah, Innayatillah Israk Ahmadsyah Jalilah Jalilah Jalilah Jalilah Jalilah Maulana, Andri Meutuah, Arief Muhammad Arifin Muhammad Yasir Yusuf Muhammad Zulhilmi Muksal Muksal Putri, Yossie Kenanga Qadrun Nada Rony, Zahara Tussoleha Sarah Nadia Syarifah Raudhah Syauqi Bin Armia, Muhammad Tarigan, Ismail Rasyid Ridla Walidain, Birrul Wediansyah Wediansyah Zaki Fuad Zakiiya, Ghulaman