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Journal : Jurnal Aplikasi Bisnis

Analisis Faktor - Faktor yang Mempengaruhi Pengembalian Pinjaman Bmt di Kecamatan Ngaglik Tahun 2012 Unggul Priyadi
Jurnal Aplikasi Bisnis Volume 15 Nomor 9, April 2014
Publisher : Jurnal Aplikasi Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jabis.vol15.iss9.art1

Abstract

This study aims to determine the profile of debtors and to analyze the changes of the variables that affect the probability of loan repayment by the customer. The data are obtained from questionnaires which distribute to four BMTs in Ngaglik namely BMT Al-Ikhwan, BMT Agawe Makmur, and BMT Partner Ummah Welfare. Logistic regression Hosmer and Lemeshow Goodness value Off Fit Test and R2 Kerke Nagel concluded that the income variable has a positive and significant effect, the variable of interest has a negative influence, the kind of work has a positive impact, and general customer District of BMTN ngaglik has a good chance against repayment of BMT Keywords: BMT, Loan, Logistic Regression, Sharia.
Komparasi Tingkat Kesehatan Perbankan Syariah PT Bank Muamalat Indonesia dan PT Bank Mega Syariah Periode Maret 2005 - desember 2009 Unggul Priyadi; Claresta Araminta
Jurnal Aplikasi Bisnis Volume 12 Nomor 9, Maret 2012
Publisher : Jurnal Aplikasi Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jabis.vol12.iss9.art3

Abstract

This research intend to analyze the factors affecting the health perfomance of syari'ah banking especially Bank Muamalat Indonesia (BMI) and Bank Mega Sjariah (BMS) in Indonesia. This study applied CAMEL Modified method that used  their finance report period March 200S—December 2009.This study concluded that BMS is better than BMI. BMS acquires healthy banks, criteria based on components and BOPO CAR, while BMI has a healtly bank criteria in terms of CAR, ROA. Both ofthe Islamic bank, BMI and BMS have an unhealthy bank category on aspects of BDR, LDR. If the BDR(Bad Debt Ratio) is low it will automatically make the entire results ofthe CAMEL Modified value has decreased.This led to declining financial performance and made the bank getting a bad predicate. Based on the conclusions above, BMI and the BMS are expected able to determine the effect of profits sharing that comes from thesefinancial statements as a whole.