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All Journal Jurnal Ilmiah Edunomika (JIE) Economic Reviews Journal MES Management Journal
Ahmad Perdana Indra
UIN Sumatera Utara
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences

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Analisis Terhambatnya Pencairan Pembiayaan Murabahah Nasabah Pensiunan Perkebunan pada PT BPRS Amanah Bangsa   Hana Nafisah; Ahmad Perdana Indra
MES Management Journal Vol. 2 No. 1 (2023): MES Management Journal 
Publisher : MES Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (633.379 KB) | DOI: 10.56709/mesman.v2i1.65

Abstract

The Amanah Bangsa Sharia People's Financing Bank (BPRS) located in Kab. Simalungun is one of the financial institutions that has a murabahah financing program for employees who have retired from plantations. The installment payment system is adjusted to the amount of income received by the customer. However, there are still customers who experience delays in disbursing murabahah funds due to the lack of complete administrative data. This study aims to determine the completeness of the data that must be met by customers in order to avoid delays in the disbursement process and to know the procedures for disbursing murabahah financing. The results showed that this personal data file can be applied in accordance with what has been set by the BPRS Amanah Bangsa Kab. Simalungun to overcome obstacles such as the delay in the process of disbursing murabahah financing. By completing the personal data file, following this structured mechanism in order to expedite the process of disbursing murabahah financing. Keyword : BPRS Amanah Bangsa, Financing, Requirements
Analisis Terhambatnya Pencairan Pembiayaan Murabahah Nasabah Pensiunan Perkebunan pada PT BPRS Amanah Bangsa Hana Nafisah; Ahmad Perdana Indra
Economic Reviews Journal Vol. 2 No. 2 (2023): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (424.945 KB) | DOI: 10.56709/mrj.v2i2.58

Abstract

The Amanah Bangsa Sharia People's Financing Bank (BPRS) located in Kab. Simalungun is one of the financial institutions that has a murabahah financing program for employees who have retired from plantations. The installment payment system is adjusted to the amount of income received by the customer. However, there are still customers who experience delays in disbursing murabahah funds due to the lack of complete administrative data. This study aims to determine the completeness of the data that must be met by customers in order to avoid delays in the disbursement process and to know the procedures for disbursing murabahah financing. The results showed that this personal data file can be applied in accordance with what has been set by the BPRS Amanah Bangsa Kab. Simalungun to overcome obstacles such as the delay in the process of disbursing murabahah financing. By completing the personal data file, following this structured mechanism in order to expedite the process of disbursing murabahah financing. Keyword : BPRS Amanah Bangsa, Financing, Requirements
PENGARUH PEMBIAYAAN BERMASALAH DAN EFISIENSI OPERASIONAL TERHADAP PROFITABILITAS PADA BANK SYARIAH INDONESIA PERIODE 2018-2022 Nilam Utami Aqillah; Ahmad Perdana Indra; Nurul Jannah
JURNAL ILMIAH EDUNOMIKA Vol 7, No 2 (2023): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v7i2.10046

Abstract

Ability to generate profit (prof) for Islamic Banks very impactful in increasing the growth of Islamic Banks itself. Islamic commercial banks in generating profits have various products, one of which is Financing. The ratio that can used to see the occurrence of problematic financing using the ratio of Non Performing Financing (NPF). Implementation Islamic bank operations in terms of operational efficiency. Indicator operational banking efficiency in terms of costs is the ratio between operational costs to operating income (BOPO). The method used in this research is quantitative method with data collection techniques one of which uses documents obtained from OJK (Financial Services Authority) in the form of Bank Syariah Indonesia monthly financial reports for the period 2018- 2022. The sample used in this study was 60 financial statements. Data sources were processed using the SPSS version 29 application. The analytical method used was descriptive statistical test, test classical assumptions (normality test, multicollinearity test, autocorrelation test and heteroscedasticity test) and multiple linear regression analysis test. Based on the research results show that financing problem has a significant effect on profitability with based on Islamic business ethics at Bank Syariah Indonesia. Influence operational efficiency partially has a negative or no effect significant effect on profitability in Bank Syariah Indonesia. While simultaneously the effect of troubled financing and jointly significant positive operational efficiency to profiatability represented by multiple regression analysis using the F test
Co-Authors Hana Nafisah Jannah, Nurul Nilam Utami Aqillah