Sindy Marchelia Putri
Universitas Islam Negeri Sunan Ampel, Surabaya, Indonesia

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Analysis of Soundness Level in the CAMELS Ratio Perspective Muh. Syaukin Muttaqin; Sindy Marchelia Putri; Siti Rumilah
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 1 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

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Abstract

Banks in a country have an important role. One of its functions is as a financial intermediary whose operations are for the community. The soundness of banks and their stability are very important because they affect the ups and downs of an economy. It can foster public trust because people are increasingly selective in choosing financial institutions. Bank Syariah Mandiri is the bank with the highest total assets compared to other Islamic banks. The purpose of the study was to determine the level of soundness at Bank Syariah Mandiri during the 2017-2019 period using the CAMELS ratio. The results show that the soundness of Bank Syariah Mandiri Syariah, even though it has a greater total assets than other Islamic banks, is still not in the very healthy category because from the research results, Bank Mandiri Syariah is currently in the healthy category. However, on the sensitivity risk assessment, Bank Syariah Mandiri is in the very healthy category.
Analysis of Soundness Level in the CAMELS Ratio Perspective Muh. Syaukin Muttaqin; Sindy Marchelia Putri; Siti Rumilah
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 1 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v1i1.4

Abstract

Banks in a country have an important role. One of its functions is as a financial intermediary whose operations are for the community. The soundness of banks and their stability are very important because they affect the ups and downs of an economy. It can foster public trust because people are increasingly selective in choosing financial institutions. Bank Syariah Mandiri is the bank with the highest total assets compared to other Islamic banks. The purpose of the study was to determine the level of soundness at Bank Syariah Mandiri during the 2017-2019 period using the CAMELS ratio. The results show that the soundness of Bank Syariah Mandiri Syariah, even though it has a greater total assets than other Islamic banks, is still not in the very healthy category because from the research results, Bank Mandiri Syariah is currently in the healthy category. However, on the sensitivity risk assessment, Bank Syariah Mandiri is in the very healthy category.
Service Quality of Distributors in the Islamic Perspective (A Study on Retail Consumers in Air Hitam Village, North Sumatra) Muh Syaukin Muttaqin; Sindy Marchelia Putri; Nurlailah Nurlailah; Susilowati Susilowati; Supriyanto Supriyanto
Sahwahita: Community Engagement Journal Vol. 3 No. 1 (2025): Community Engagement Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/sahwahita.v3i1.224

Abstract

This article aims to examine the quality of distributor services provided to retail consumers in Hamlet VIII, Air Hitam Village. The area has approximately five grocery stores that rely on wholesalers in the city to supply daily necessities. The large number of wholesalers in the city creates intense competition among distributors, encouraging them to improve service quality as a strategy to attract and retain customers. In the Islamic perspective, service quality reflects the principle of khidmah, which emphasizes sincere and excellent service. This study uses a qualitative field research approach, with data collected through direct observations and in-depth interviews with grocery store owners who interact directly with distributors. The analysis focuses on five Islamic service characteristics: honesty, responsibility, keeping promises, friendly service, and traders’ attitudes when dealing with customers. The results show that wholesalers in Tanjung Pura City have implemented these Islamic service values in their business practices. As a result, retail consumers experience satisfaction and loyalty, which in turn has a positive impact on the sustainability and competitiveness of distributors.