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ANALISIS PENERAPAN MANAJEMEN RISIKO DALAM UPAYA PENCEGAHAN PEMBIAYAAN BERMASALAH PADA PT. BPRS HIKMAH WAKILAH BANDA ACEH Nadia , Sarah; Hasnita, Nevi; I, Isnaliana
JIMEBIS: Scientific Journal of Students Islamic Economics and Business Vol. 1 No. 2 (2020): JIMEBIS
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jimebis.v1i2.133

Abstract

Penelitian ini dilakukan untuk mengetahui faktor-faktor terjadinya pembiayaan bermasalah serta penerapan manajemen risiko dalam upaya pencegahan terjadinya pembiayaan bermasalah pada PT. BPRS Hikmah Wakilah Banda Aceh. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan deskriptif. Teknik pengumpulan data yang digunakan yaitu wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwa faktor terjadinya pembiayaan bermasalah terdiri dari faktor internal dan faktor eksternal. Adapun penerapan manajemen risiko yang digunakan yaitu identifikasi risiko, pengukuran risiko, pemantauan risiko dan pengendalian risiko. Keempat proses manajemen risiko di atas mencakup analisis 5C, kelengkapan dokumen, serta monitoring rutin dengan melakukan kunjungan harian. Dalam penyelesaian pembiayaan bermasalah PT. BPRS Hikmah Wakilah Banda Aceh menggunakan pendekatan persuasive dengan melakukan musyawarah yang kemudian diterapkan penjadwalan kembali (reschedulling), persyaratan kembali (reconditioning), penataan kembali (restructuring), hingga eksekusi jaminan. Penerapan manajemen risiko yang digunakan sudah berjalan dengan efektif dalam meminimalisasi risiko pembiayaan bermasalah. Hal ini di buktikan dengan penurunan tingkat Non Performing Financing (NPF).
Efektivitas Pembiayaan Kredit Usaha Rakyat Mikro Syariah pada Bank Syariah Indonesia Terhadap Pengembangan UMKM di Kota Takengon Putra, Ihdina; Hasnita, Nevi; Ridla, Ismail Rasyid
Jihbiz: Global Journal of Islamic Banking and Finance Vol. 8 No. 1 (2026)
Publisher : Program Studi Perbankan Syariah FEBIII UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/xzb0ns60

Abstract

Sharia Micro People's Business Credit (KUR) is an interest-free financing program distributed under Islamic principles with the aim of increasing access to capital, competitiveness, and the growth of micro enterprises. This study aims to determine the effectiveness of Sharia Micro KUR financing at Bank Syariah Indonesia (BSI) in supporting the development of Micro, Small, and Medium Enterprises (MSMEs) in Takengon City. The research method used is descriptive qualitative with a field study approach through interviews, observations, and documentation. The results show that Sharia Micro KUR financing at BSI is quite effective, in terms of target accuracy, timing, financing amount, credit burden, and procedural ease. This financing has significant impacts on increasing income, customer numbers, product quality, and employment absorption. Thus, Sharia KUR in Takengon City plays an important role in strengthening the MSME sector.
Analysis of Risk Factors for Pulmonary Tuberculosis Incidence Nevi Hasnita; Fachmi Ichwansyah; Faisal bin Abdurrahman; Said Usman; Meutia Zahara
Indonesian Journal of Global Health Research Vol 7 No 2 (2025): Indonesian Journal of Global Health Research
Publisher : GLOBAL HEALTH SCIENCE GROUP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37287/ijghr.v7i2.5553

Abstract

Pulmonary tuberculosis (TB) cases in Nagan Raya have increased every year. Efforts to prevent tuberculosis transmission with healthy lifestyle behaviors have been carried out. However, the prevalence of pulmonary tuberculosis is still high and many factors are associated with the incidence of pulmonary tuberculosis—analytical study with a case-control approach to determine risk factors for tuberculosis in the Nagan Raya district. The sample in this study was 290 people consisting of 58 cases and 232 controls. The sampling technique used purposive sampling. Data was collected by interviewing respondents, observing, and reporting TB case records. Multivariate analysis using multiple logistic regression tests with a 95% confidence level. The results showed that the characteristic factors associated with the incidence of pulmonary TB were primary education (p=0.002), not working (p=0.000), and income <REGIONAL MINIMUM WAGE (p=0.001). Environmental factors associated with the incidence of pulmonary TB were the number of household members >4 people (p=0.036) and no ventilation in each room (p=0.000). Health factors associated with the incidence of pulmonary TB were underweight nutritional status (p=0.019), obese nutritional status (p=0.042), and not containing BCG (p=0.014). The most dominant factor associated with the incidence of pulmonary TB is not working (OR = 4.17; 95% CI = 1.36-12.73). Respondents who did not work had a 4.17 times higher risk of experiencing pulmonary TB than those who did not work after controlling for environmental and health factors. For this reason, it is expected that respondents need to increase their income to prevent transmission of pulmonary TB and maintain cleanliness, improve nutritional status and limit contact with TB sufferers
Analysis Implementation Of Accounting Information Systems In Supporting Internal Control Of Rahn (Pawn) Financing At Darussalam Syariah Pawnship Banda Aceh Evriyenni, Evriyenni; Ramadhani, Natasya; Hasnita, Nevi; Yulianti, Rahmah
JIMEBIS: Scientific Journal of Students Islamic Economics and Business Vol. 5 No. 2 (2024): JIMEBIS
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/dkdjnk09

Abstract

Accounting Information Systems (AIS) play a vital role in strengthening the governance of Islamic financial institutions, particularly in ensuring transparency, accountability, and compliance with sharia principles. This study aims to analyze the implementation of AIS in supporting internal control of Rahn (pawn) financing at Pawnship Syariah Darussalam Banda Aceh. The study employs a descriptive qualitative method; with data collected through interviews, observations, and documentation. The results indicate that AIS is integrated into all operational stages of Rahn financing, from customer data recording, collateral appraisal, and financing disbursement to repayment. Features such as audit trails, access authorization, automatic notifications, and real-time reporting were found to enhance internal control. However, challenges remain, including data entry errors and limited human resource competencies. The study concludes that AIS implementation at Pawnship Syariah Darussalam Banda Aceh contributes significantly to internal control effectiveness, though improvements in staff training and system development are still required.