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Journal : Sahid Banking Journal

ANALISIS KOLEKTIBILITAS PEMBIAYAAN MURABAHAH PADA BANK SYARIAH MANDIRI KANTOR CABANG PEMBANTU BOGOR SUDIRMAN Dinda Mutiara Rizki; Tubagus Rifqy Thantawi; Miftakhul Anwar
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (258.268 KB) | DOI: 10.56406/sahidbankingjournal.v1i01.16

Abstract

Abstract This research is motivated by the interest of researchers to explore the collectibility level of murabahah contract financing, especially at Bank Syariah Mandiri Bogor Sudirman Branch Office. The higher the murabahah contract financing at Bank Syariah Mandiri Bogor Sudirman Branch Office, it will result in an increase in murabahah receivables and affect the collectibility level of murabahah receivables every year. If there is non-performing financing (NPF), it will disrupt the collectibility level. Meanwhile, the murabahah contract is still the most popular contract in the financing process of Bank Syariah Mandiri Bogor Sudirman Branch Office. This research is qualitative. The analysis used in this research is descriptive qualitative. The results showed that the Bank Syariah Mandiri Bogor Sudirman Branch Office had complied with the provisions in the Bank Indonesia Regulations and the Financial Services Authority Regulations in terms of murabahah contract financing. The collectibility level of Bank Syariah Mandiri Bogor Sudirman Branch Office is always at a safe level with a non-performing financing (NPF) value below 5%, which is 3.51% at the time of this research.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PEMILIK TOKO BANGUNAN UNTUK MENGAJUKAN PEMBIAYAAN DI BANK SYARIAH (Studi Pada Kecamatan Pamijahan dan Kecamatan Cibungbulang Kabupaten Bogor, Jawa Barat) Nadia Febtianda; Rully Trihantana; Miftakhul Anwar
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (429.114 KB) | DOI: 10.56406/sahidbankingjournal.v1i01.20

Abstract

ABSTRACT The purpose of this study is to determine the factors that influence shop buildings in collecting financing at Islamic banks. This thesis is localized in promotion, confidence and environment. Respondents in this study were building shop owners. The sample used in this study were 30 respondents. The sampling technique used is non-probability sampling with purposive sampling method. The results of the T test concluded that trust (T count -2.710, sig. 0.038) and the environment (T count -2.185, sig. 0.012) influenced the building shop's decision to apply for financing, while promotion had no effect on buildings. the decision to apply for financing to Islamic banks because it has a T-value of -1.549 < T table +- 1.705 and sig. 0.133 > 0.05. Meanwhile, from the results of the research F table with a value of 4.115 and a significance value of 0.016 which is greater than F table of 2.98 and a significance value of 0.05 it can be concluded that promotion, self-confidence, and the environment together influence building decisions. apply for financing in Islamic banks. And the results of the study of the coefficient of determination concluded that the influence of promotion, trust, and the environment on the hardware store's decision to raise financing in Islamic banks was 22.4%.
ANALISIS MINAT MASYARAKAT DALAM MENGAJUKAN PEMBIAYAAN DI PT. BPRS AMANAH UMMAH KANTOR CABANG CICURUG (Studi Pada Kecamatan Cicurug Kabupaten Sukabumu, Jawa Barat) Mohammad Husen; Rully Trihantana; Miftakhul Anwar
SAHID BANKING JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (729.844 KB) | DOI: 10.56406/sahidbankingjournal.v1i01.21

Abstract

ABSTRACT Bank is a financial intermediary institution that collects public funds from parties who have excess funds and distributes funds to those in need. Financing is an activity of Islamic banks in channeling funds to other parties based on sharia principles. Distribution of funds in the form of financing is based on the trust given by the owner of the funds to the user of the funds. Financing in Islamic banks uses contracts according to needs such as buying and selling there are murabahah, salam and istishna, in the form of cooperation there are mudharabah and musyarakah, in leasing services there are ijarah and IMBT as well as a deposit in the form of qordh. . Customer interest is a form of desire and interest in a decision-making process that will be carried out by consumers or customers. There are several stages in the decision-making process that are generally carried out by someone, namely the introduction of consumer needs and information processing. This study aims to examine how the influence of service, reputation and procedure variables influence or not the public's interest in proposing financing. The research method used in this study is research using quantitative methods. Quantitative research methods are used to examine certain populations or samples, with the aim of testing established hypotheses. The type of research used is descriptive quantitative with a field research approach. From the results of this study it can be concluded that partially the service and procedure variables have an effect on interest while the reputation variable has no effect. Simultaneously the service, reputation and procedure variables simultaneously influence the interest variable.
PENANGANAN KREDIT PEMILIKAN RUMAH SUBSIDI BERMASALAH PADA BANK SYARIAH DALAM PANDANGAN ISLAM (Studi Bank Tabungan Negara Kantor Cabang Syariah Bogor) Fatmawati Agustina; Tubagus Rifqy Thantawi; Miftakhul Anwar
SAHID BANKING JOURNAL Vol 1 No 02 (2022): Mei 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (68.394 KB) | DOI: 10.56406/sahidbankingjournal.v1i02.40

Abstract

This research is motivated by the increasing demand for housing, but trying to get a house at this time is not an easy thing. The increasingly limited amount of land makes house prices increasingly expensive, especially for people with an average regional minimum wage income. BTN KCS Bogor hereby distributes its funds through subsidized mortgage financing. The amount of funds disbursed by BTN KCS Bogor is relatively high enough that the bank has the risk of non-performing financing. Efforts need to be made to deal with problem financing carried out by BTN KCS Bogor which is different from conventional BTN, namely handling problem financing according to sharia values. This research is qualitative in nature and the data collection method is by conducting interviews at PT BTN-KCS Bogor. The analysis used in this study is a qualitative descriptive analysis. The results show that the handling of problematic financing at BTN KCS Bogor is in accordance with Bank Indonesia and the Financial Services Authority regulations, and Islamic values
PENGARUH PEMBIAYAAN BERMASALAH DAN LIKUIDITAS TERHADAP PROFITABILITAS BANK PEMBIAYAAN RAKYAT SYARIAH KABUPATEN BOGOR STUDI DATA OTORITAS JASA KEUANGAN TAHUN 2017-2019 Lukman Hakim; Tubagus Rifqy Thantawi; Miftakhul Anwar
SAHID BANKING JOURNAL Vol 1 No 02 (2022): Mei 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (68.393 KB) | DOI: 10.56406/sahidbankingjournal.v1i02.43

Abstract

This study aims to determine the effect of Non-Performing Financing (NPF) and Liquidity (CR) Profitability (ROA) in BPRS Bogor Regency for the 2017-2019 Period Financial Review of Service Authority Data (OJK). The samples used in this study were 48 samples. Collecting data in this study using purfosive sampling method with the understanding that the data collected is predetermined data. The data analysis technique used is multiple linear regression analysis. The results of this analysis indicate that NPF and CR have a significant effect on ROA.