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All Journal Enrichment : Journal of Management International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Journal of Innovative and Creativity
Ari Syahputra
Sekolah Tinggi Ilmu Ekonomi Bina Karya
Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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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.
GREEN SYARIAH ECONOMICS DIGITAL MODEL GCC-SF: PROFIT-SHARING-BASED SHARIA FINANCING IN STRENGTHENING SUSTAINABLE CONTENT CREATOR MSMEs Fitrianingsih; Rumiris Siahaan; Ari Syahputra
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 9 (2026): AUGUST
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The development of the digital economy has encouraged the emergence of sustainable content creator MSMEs , whose business characteristics and income patterns differ from those of conventional MSMEs. This study aims to develop the GCC-SF ( Green Content Creator-Syariah Financing ) Framework as a profit-sharing Sharia financing framework that aligns with the characteristics of digital businesses and their sustainability orientation. The study used a mixed methods approach with a qualitative stage through interviews with business actors and NVivo analysis, followed by a survey analyzed using PLS-SEM. The results show that digital business characteristics, sustainability orientation, and financing needs have a positive and significant influence on the suitability of profit-sharing Sharia financing. The qualitative data also demonstrate the importance of financing flexibility, risk sharing, transparency, and support for sustainable activities. The research results form the basis for developing the GCC-SF Framework as a financing model that is more adaptive to the development of the digital economy and the needs of sustainable businesses.
Co-Authors Fitrianingsih, Fitrianingsih Rumiris Siahaan Suwadi Suwadi