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Kiat Dalam Pengelolaan Tingkat Kesehatan Bank Syariah (Studi Kasus Bank Perekonomian Rakyat Syariah Al Makmur) Aziz, Zakaria; Prawira, Adi; Yunimar, Yunimar; Nasfi, Nasfi
El-kahfi | Jurnal Ekonomi Islam Vol 4 No 02 (2023): Journal of Islamics Economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v4i02.225

Abstract

The discussion in this research is Tips for Managing the Health Level of Sharia Banks, the research object of PT. Al Makmur Sharia People's Economic Bank in West Sumatra financial reporting period end of December 2021-2023. The problem is that the Bank's Soundness Level is decreasing, especially the CAR, NPF and BOPO ratios. Descriptive quantitative research type and descriptive analysis method research technique. Secondary data source from the Financial Services Authority website. From financial data, it was found that the CAR position would decrease by 3.13% in 2023, as well as an increase in NPF to 1.32% and an increase in BOPO to 77.08%. Research results: Tips taken by Management to improve the bank's health level in the future, (1) increase the capital CAR ratio through additional capital from last year's profits, (2) overcome problematic financing or reduce the NPF ratio, (3) increase efficiency and reduce costs and (4) improving the internal management monitoring function.
Audit Opinion And Sharia Compliance In Increasing Trust In Zakat Baznas Padang Panjang Nasfi, Nasfi; Aziz, Zakaria; Yunimar, Yunimar; Perwira, Adi
Al-Hijrah: Journal of Islamic Economics And Banking Vol. 2 No. 1 (2024): Al-Hijrah: Journal of Islamic Economics and Banking
Publisher : Institut Agama Islam Sumatera Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55062/al-hijrah.v2i1.452

Abstract

The purpose of this research is to determine audit opinion and sharia compliance in increasing trust in zakat in Baznas Padang Panjang City. Type of qualitative research, phenomenological approach method. Baznas Research Location Padang Panjang City. The results of research on audit opinion and sharia compliance are complementary audit instruments. Sharia compliance audits complement conventional financial audits, so that the picture of Baznas' financial performance reports is more comprehensive. So that Baznas is worthy of being an authority institution in carrying out zakat management professionally and with integrity in zakat management, realizing a commitment to transparency, increasing the value of accountability as a manager of zakat funds and finally building a positive reputation and image in society. Public trust is the main factor in increasing zakat receipts at Baznas. A positive audit opinion and sharia compliance predicate is a combination of instruments that contribute to increasing Baznas zakat receipts. The research is implemented in providing recommendations to zakat management institutions that have not carried out audit activities to start implementing them. Audits help zakat institutions in building public recognition and trust.
Capacity Building Strategy for Increasing Economic Productivity of Small and Medium Industries Rahmad, Rahmad; Yunimar, Yunimar; Prawira, Adi; nasfi, nasfi
International Journal of Indonesian Business Review Vol. 2 No. 1 (2023)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/ijibr.v2i1.451

Abstract

Purpose – Research to determine the effect of increasing the Capacity of Small and Medium Industries (IKM) to increase the capacity and productivity of economic activities. Research in the city of Bukittinggi from July to October 2022. Methodology/approach – Descriptive qualitative research methods, interview analysis techniques, group discussion forums and the Delpi technique. First, interview 6 SMI actors, second, 5 expert informants and three government stakeholders. Findings – Research Findings The factors increasing IKM capacity are Capital, HR Quality, Facilities, Marketing, Production Quality, Financial Management, Technology, Promotion, Availability of Raw Materials and Environmental Support, the results of factors that greatly influence IKM capacity are HR Quality with a score of 5.00 or 100% with Very important criteria and results based on the Effectiveness Level of the government's response to the factor known that Capital has a high effectiveness of the government's response with a score of 4.20 or 84% with Effective criteria, while a low level of effectiveness of the government's response is Financial Management with a score of 2, 80 or 56% with Less Effective Criteria. Research results strategies, improving financial management, academic collaboration and information technology enhancement as well as increasing raw materials and government supervision.