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All Journal Experimental Student Experiences Madani: Multidisciplinary Scientific Journal Journal of Sharia Business Management
Chairina
Universitas Islam Negeri Sumatra Utara
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Journal : Experimental Student Experiences

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Health Analysis of Bank Syariah Indonesia (BSI) Financial Reports in 2020 and 2021: Analisis Kesehatan Laporan Keuangan Bank Syariah Indonesia (BSI) Tahun 2020 and 2021 Suwinda Aulansari; Maura Morena Pinka; Chairina
Experimental Student Experiences Vol. 1 No. 1 (2022): January
Publisher : LPPM Institut Studi Islam Sunan Doe

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (241.96 KB) | DOI: 10.58330/ese.v1i1.118

Abstract

Banking financial institutions play an important role in the economy. Public trust is one of the foundations for the success of the banking industry which faces increasingly fierce competition. The need to monitor the level of bank health must be carried out by banks in order to increase public confidence in handling their business finances. Bank financial statements can be researched as one of the sources. The purpose of this study is to measure the level of banking health at Bank Syariah Indonesia. The analytical tool used is RGEC (Risk Profile, Good Corporate Governance, Earning and Capital). The data or information in this study is a bank financial report published from 2020 & 2021. The results of the study prove that the bank is healthy. This is determined using the RGEC approach to evaluation. In this situation, Bank Syariah Indonesia has the potential to have a major adverse impact with changes in the economic climate and other external conditions. In 2020-2021, Bank Syariah Indonesia can also manage the health and stability of Islamic banks.
The Effect of Interest Rates on Distribution and Banking Credit Loans Risdani Mu'arif; Arfigo Yahya; Chairina
Experimental Student Experiences Vol. 1 No. 2 (2022): February
Publisher : LPPM Institut Studi Islam Sunan Doe

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (289.476 KB) | DOI: 10.58330/ese.v1i2.155

Abstract

The purpose of this essay is to outline the implications of interest rate vulnerability on bank credit terms and conditions. The data collection method used is a qualitative case study model. It can be concluded from the literature used as the basis of this study that the impact of interest rates on bank loan default rates is very significant. This situation is in line with the rules of the lending process, specifically that a credit crunch will make it difficult for people to obtain credit. It is hoped that the findings of this investigation will assist the bank's management team and community groups wishing to carry out further investigations. In general, every research has drawbacks and problems; as a result, researchers can continue their work by modifying their variables or samples.
Co-Authors Arfigo Yahya Maura Morena Pinka Pradana, Chandra Anggi Rahman, Dtm Risdani Mu'arif Siregar, Muhammad Naim Suwinda Aulansari