Article Per Year (5 Year)
p-Index From 2021 - 2026
0.444
P-Index
This Author published in this journals
All Journal Enrichment : Journal of Management Journal of Innovative and Creativity
Ari Syahputra
Sekolah Tinggi Ilmu Ekonomi Bina Karya
Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
Analysis of Credit Restructuring Implementation The Period of Social Order in the Era of the Covid-19 Pandemic in Banking In Cliff City Ari Syahputra; Suwadi Suwadi
Enrichment : Journal of Management Vol. 12 No. 1 (2021): November: Management Science
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (524.966 KB) | DOI: 10.35335/enrichment.v12i1.353

Abstract

The government anticipates the impact of the economic slowdown caused by the pandemic through economic stimulus through the Financial Services Authority (OJK) by issuing Financial Services Authority Regulation (POJK) Number 11/POJK.03/2020 concerning National Economic Stimulus. This regulation relates to policies that support economic growth stimulus that can be carried out by banks. One of them is the policy of restructuring credit or financing. This study aims to analyze the implementation of credit restructuring during the social order era of the covid-19 pandemic at Bank Sumut Tebing Tinggi Branch. This study uses a qualitative approach, where the data used are primary data and secondary data. Primary data were obtained from in-depth interviews with the head of the marketing section and the credit account officer (AO) of Bank Sumut, Tebing Tinggi Branch. Secondary data were obtained from various literatures such as laws, regulations and bank statements. The results of the study indicate that the implementation of credit restructuring at Bank Sumut Tebing Tinggi Branch is carried out in accordance with applicable laws and regulations and is carried out through delays in payment of principal and loan interest installments, extension of credit period, Scheduling of payment of principal and/or loan interest installments and Reduction fine.
Analisis penilaian kinerja keuangan PT. Bank Pekreditan Rakyat Ari Syahputra
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.1579

Abstract

Besarnya permodalan bank syariah dipengaruhi atas kemampuan bank dalam pemenuhan Kewajiban Pemenuhan Modal Minimum (KPMM). Standaryang ditetapkan oleh Bank Indonesia tentang penyediaan modal minimum ini yaitu sebesar 8%. Rasio Capital Adequacy Ratio (CAR) ini digunakanuntuk mengukur seberapa kuat permodalan bank menutupi risiko (risiko kredit, risiko operasional dan risiko pasar) yang ada pada suatu bank. Padaperiode 2021, rasio permodalan PT. BPR Mangatur Ganda Sei Suka sebesar 29,18%, pada tahun 2022, rasio permodalan PT. BPR Mangatur Ganda Sei Suka 21,94% menurun dari tahun sebelumnya, dan pada tahun 2023, rasio permodalan PT. BPR Mangatur Ganda Sei Suka mencapai 24%meningkat dari tahun sebelumnya. Hal ini membuktikan bahwa PT. BPR Mangatur Ganda Sei Suka memiliki modal yang cukup untuk menutup segala risiko pasar, risiko kredit dan risiko operasional. Meskipun CAR berada diatas batas maximum yang ditetapkan oleh Bank Indonesia yaitu maximum sebesar 8%, namun bank harus tetap berusaha agar CAR bank tidak menurun hingga batas maksimum yang telah ditentukan oleh Bank Indonesia dengan penambahan modal bila ingin menambah jumlah kredit yang diberikan, maka dari itu tingkat penialian CAR dalam kategori sehat.
Co-Authors Suwadi Suwadi