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All Journal Ihtifaz: Journal of Islamic Economics, Finance, and Banking Journal of Finance and Islamic Banking
Rais Sani Muharrami
IAIN Surakarta
Religion Economics, Econometrics & Finance Social Sciences

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Analisis Prediksi Kebangkrutan dan Rasio Keuangan Bank Umum Syariah dengan Metode Altman Z-Score pada Tahun 2011-2015 Rais Sani Muharrami; Sinta Sinta
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 1 No. 1 (2018)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v1i1.274

Abstract

The purpose of this research is to perform a comparative analysis of bankruptcy prediction and financial ratio related to Bank Umum Syariah Devisa and Bank Umum Syariah non Devisa. This research applied Altman model on Bank Umum Syariah Devisa and Bank Umum Syariah non Devisa to explain its bankruptcy prediction., while Mann Withney test is used to show a comparative analysis on its financial ratio related to bankruptcy.  Data was use in this research is time series data, the data from 2011 up to 2015. The data is obtained from publication in Otoritas Jasa Keuangan (OJK) and publication in each bank’s website. The sampling techniques using purposive sampling methods. This research can be concluding that there is no difference between Bank Umum Syariah Devisa and Bank Umum Syariah non Devisa on Bankruptcy prediction with Altman model. In financial ratios related to bankrupty exposure such as liquidity, Profitability, and Productivity has not significant difference to. While insolvency ratio at Bank Umum Syariah Devisa and Bank Umum Syariah non Devisa foundto have differences. For bankruptcy prediction at Bank Umum Syariah Devisa and Bank Umum Syariah non Devisa is found not difference. So, we can conclude that the difference in bankruptcy perdiction on Bank Umum Syariah Devisa and Bank Umum Syariah non Devisa caused by the absence of dirrerences in the financial ratios with regard to bankruptcy unless insolvency.
Peranan Bank Wakaf Mikro dalam Pemberdayaan Usaha Kecil pada Lingkungan Pesantren Muhammad Alan Nur; Rais Sani Muharrami; Mohamad Rahmawan Arifin
Journal of Finance and Islamic Banking Vol. 2 No. 1 (2019)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v2i1.1806

Abstract

The purpose of this study was to determine the effect of Micro Waqf Bank financing on the empowerment of micro-businesses in the al-Pansa boarding school environment. The study uses qualitative methods with a phenomenological approach. The population in this study are customers who are included in the first and second Halmi forces at the al-Pansa Micro Endowments Bank. In conducting data collection techniques used are observation, interviews, and triangulation. The data analysis uses the Miles and Huberman approach. The results showed that the financing and business assistance carried out by the Al-Pansa Micro Waqf Bank had an impact on an increase in the number of production members. This increase in production has led to an increase in business revenues and customer profits which has subsequently helped to improve the economic conditions of customers. Despite the increase, the increase has not increased significantly.
Co-Authors Mohamad Rahmawan Arifin Muhammad Alan Nur Sinta Sinta