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All Journal Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Isfandayani Isfandayani
Fakultas Agama Islam, Universitas Islam 45
Religion Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Other

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PENGARUH FLUKTUASI HARGA EMAS DAN TINGKAT INFLASI TERHADAP PENYALURAN PEMBIAYAAN GADAI EMAS PADA BJB SYARIAH Eva Kholifah; Isfandayani Isfandayani
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 13 No 2 (2022): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v13i2.5757

Abstract

This research was conducted to determine the effect of gold price fluctuations and levels on the distribution of rahn financing on gold pawn products at Bank BJB Syariah KCP Cikarang for the 2017-2020 period. Hypothesis testing using multiple linear regression analysis. The study's results partially show that the fluctuation variable in the price of gold has a positive and significant effect on the distribution of rahn financing. At the same time, the inflation rate variable has no significant effect on the distribution of rahn financing. Simultaneously, the independent variables of gold price fluctuations and the inflation rate significantly affect the dependent variable of rahn financing distribution, with an R Square value of 0.705 or 70.5%. At the same time, other factors influence the remaining 29.5%. These factors include income, location of operational offices, number of customers, and service products provided. Sharia is better than Bank BJB Syariah.
STRATEGI MANAJEMEN RISIKO PADA OPERASIONAL BANK BTN SYARIAH DI MASA PANDEMI COVID - 19 Suci Nurani; Isfandayani Isfandayani; Purnama Putra
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 14 No 1 (2023): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v14i1.7201

Abstract

This study aims to 1) analyze the general operational description of Bank BTN Syariah kc Bekasi during the bank's operation during the pandemic. 2) identify the type of risk faced. 3) analyze the risk mitigation by Bank BTN Syariah KC Bekasi. 4) Recommend alternative strategies that can be implemented for Bank BTN Syariah as long as the bank operates during the Covid-19 pandemic. This research combined research with primary and secondary data. Data collection techniques used literature studies, documentation, interviews, and questionnaires. The data analysis method uses the IFE, EFE, and Grand Strategy methods. The results of this study show that while operating during a pandemic, banks face operational, reputation, and financing risks. The results of the internal analysis of the value of IFE are 3.44, and the external analysis of EFE is 3.22. The company's position in the matrix The Grand Strategy is in quadrant one, so the strategic recommendations are market development strategy, product development, and market penetration
STRATEGI MANAJEMEN RISIKO PADA OPERASIONAL BANK BTN SYARIAH DI MASA PANDEMI COVID - 19 Suci Nurani; Isfandayani Isfandayani; Purnama Putra
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 14 No 1 (2023): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v14i1.7092

Abstract

This study aims to 1) analyze the general operational description of Bank BTN Syariah kc Bekasi during the bank's operation during the pandemic. 2) identify the type of risk faced. 3) analyze the risk mitigation by Bank BTN Syariah KC Bekasi. 4) Recommend alternative strategies that can be implemented for Bank BTN Syariah as long as the bank operates during the Covid-19 pandemic. This research combined research with primary and secondary data. Data collection techniques used literature studies, documentation, interviews, and questionnaires. The data analysis method uses the IFE, EFE, and Grand Strategy methods. The results of this study show that while operating during a pandemic, banks face operational, reputation, and financing risks. The results of the internal analysis of the value of IFE are 3.44, and the external analysis of EFE is 3.22. The company's position in the matrix The Grand Strategy is in quadrant one, so the strategic recommendations are market development strategy, product development, and market penetration.
Co-Authors Eva Kholifah Purnama Putra, Purnama Suci Nurani