Faricha Lita Nabbila
Institut Agama Islam Negeri (IAIN) Kediri

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ANALISIS CAPITAL ADEQUACY RATIO TERHADAP PROFITABILITAS BANK MUAMALAT INDONESIA PERIODE 2017-2021 Faricha Lita Nabbila; Zuraidah Zuraidah
Journal of Management and Social Sciences Vol. 1 No. 4 (2022): November : Journal of Management and Social Sciences
Publisher : Sekolah Tinggi Ilmu Administrasi Yappi Makassar Jl. Sumba no 46, Kota Makassar, Sulawesi Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (2004.236 KB)

Abstract

The health of a company is assessed from the capital adequacy ratio known as the Capital Adequacy Ratio. The Capital Adequacy Ratio serves as a reservoir for the risk of loss that may be faced by the bank. Capital Adequacy Ratio as a ratio that describes the ability of banks to provide funds as reserves in preventing the risk of losses experienced by banks. This ratio is useful for knowing whether a bank has very good, good, fairly good, poor, or bad health which will be very useful for policy makers. This study aims to examine in more detail the effect of the ROA, ROE, FDR, and BOPO variables on the CAR or Capital Adequency Ratio of PT Bank Muamalat Indonesia in 2017 to 2021. The analysis of this study uses a time series using the E-views 12 program and shows the results The research shows that together the ROA, ROE, FDR, and BOPO variables have a positive effect on the profitability of PT Bank Muamalat Indonesia while the variable that has a partially positive significant influence is the ROA variable while other variables such as ROE, FDR, and BOPO have no effect on CAR. or the Capital Adequacy Ratio of PT Bank Muamalat Indonesia.
Perkembangan Utang Luar Negeri Indonesia Tahun 2019 Sampai 2023 Berjalan Widya Ratna Sari; Andriani; Faricha Lita Nabbila; Dewi Fatmala Putri
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 1 No. 4 (2023): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v1i4.293

Abstract

The purpose of writing is to determine the development of Indonesia's foreign debt from 2019 to 2023. The method applied in this research is a descriptive method with a qualitative descriptive research type, which utilizes a literature study approach. The data source used in this research is secondary data. Discussion Results: the development of Indonesia's foreign debt shows a fluctuating trend, with special attention in 2020 Indonesia's foreign debt increased, this was triggered by spending for handling the Covid-19 pandemic. Nevertheless, Indonesia's debt ratio is still within safe limits and the structure of Indonesia's foreign debt is still considered healthy, although several studies show that the relationship between the debt/GDP ratio is an early indicator of a bad economy. Therefore, joint synergy is needed in efforts to strengthen coordination between Bank Indonesia and the government sustainably to minimize risks that could affect economic stability.
Analisis Manajemen Risiko Operasional Pada Bank Syariah Indonesia (BSI) Pasca Merger Faricha Lita Nabbila; Andriani; Dewi Fatmala Putri; Widya Ratna Sari
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 1 No. 4 (2023): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v1i4.306

Abstract

This research is motivated by the existence of risks at Bank Syariah Indonesia. Under these conditions, the Bank evaluates and strengthens risk management tools to maintain business quality and the bank's health level. One component of operational risk is the efficiency ratio or what is called the Operational Expenses to Operating Income (BOPO) ratio. The aim of this research is to examine in depth the implementation of operational risk management at BSI which can influence the BOPO ratio at BSI. This research uses a qualitative research approach. The data in this research uses secondary data or literature study. Secondary data obtained came from the official BSI website, books, journals and articles related to research. The data analysis technique used is the Miles and Huberman model of qualitative data analysis techniques. The result of this research is that operational risk management at BSI has been implemented effectively. This is proven by the BSI BOPO ratio from 2021 continuing to decline.
PROBLEMATIKA KETIMPANGAN EKONOMI DALAM SISTEM EKONOMI DI INDONESIA Dewi Fatmala Putri; Andriani; Widya Ratna Sari; Faricha Lita Nabbila
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 1 No. 4 (2023): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v1i4.330

Abstract

Ketimpangan ekonomi di Indonesia menjadi isu kritis dalam pembangunan ekonomi. Meskipun pertumbuhan ekonomi pesat membawa manfaat, dampak ketimpangan semakin meningkat. Jurnal ini mengeksplorasi aspek ketimpangan ekonomi dalam sistem ekonomi Indonesia, mencakup faktor penyebab, upaya penanggulangan pemerintah, dan rekomendasi kebijakan. Melalui kajian teoritis, jurnal ini menjelaskan sistem ekonomi Pancasila yang menekankan keadilan sosial dan pemerataan. Metode penelitian yang digunakan adalah deskriptif kualitatif dengan data dari literatur, berita, dan regulasi terkait. Pembahasan menyoroti kompleksitas ketimpangan ekonomi, tantangan, dan solusi dalam konteks ekonomi Pancasila. Analisis mencakup peran sistem ekonomi dalam mencapai tujuan nasional, seperti kekeluargaan, kebersamaan, dan keseimbangan kemajuan. Dengan mempertimbangkan situasi Yogyakarta sebagai studi kasus, temuan menunjukkan ketidaksetaraan yang masih tinggi, terutama di wilayah perkotaan. Data rasio Gini memperlihatkan adanya peningkatan ketimpangan, terutama di perkotaan, dengan Yogyakarta sebagai provinsi dengan tingkat ketimpangan tertinggi.
ANALISIS PERLINDUNGAN NASABAH BSI TERHADAP KEBOCORAN DATA DALAM MENGGUNAKAN DIGITAL BANKING Dewi Fatmala Putri; Andriani; Widya Ratna Sari; Faricha Lita Nabbila
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 1 No. 4 (2023): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v1i4.331

Abstract

Meningkatnya serangan siber di sektor keuangan menunjukkan bahwa perlindungan nasabah menjadi krusial. Terdapat risiko keamanan seperti phishing, malware, dan gangguan layanan, yang dapat merugikan nasabah dan mengancam kepercayaan terhadap institusi perbankan. Analisis perlindungan nasabah BSI melibatkan pemahaman terhadap kebijakan keamanan, respons terhadap serangan siber, dan kebijakan perlindungan data nasabah. Metode penelitian yang digunakan adalah deskriptif kualitatif, dengan pengumpulan data melalui literatur, berita, wawancara, dan pengamatan langsung. Pembahasan melibatkan analisis layanan digital BSI, risiko keamanan, perlindungan hukum nasabah, dan protokol keamanan yang diterapkan oleh BSI. Hasil penelitian menyoroti pentingnya peningkatan ketangguhan terhadap serangan siber dan infrastruktur teknologi informasi yang handal. Kajian literatur mencakup perlindungan konsumen, digital banking, dan layanan keuangan digital. Perlindungan konsumen diatur oleh Undang-Undang Nomor 8 Tahun 1999, sementara digital banking dan layanan keuangan digital memberikan efisiensi dan aksesibilitas yang luas.