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Linear Discriminant Analysis dalam Memprediksi Financial Distress pada Bank Muamalat KCP Sukaramai Periode 2018-2022 Syahdinar Nasution; Muhammad Irwan Padli Nasution; Tuti Anggraini
Studi Akuntansi, Keuangan, dan Manajemen Vol 4 No 1 (2024): July
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/sakman.v4i1.3398

Abstract

Purpose: This study aims to determine the variables that can predict the financial distress of Islamic banks in Indonesia for the period to 2018-2022. Methodology: This research is quantitative with secondary data types. This study uses the variable (Return On Equity) ROE, (Cash To Deposits) CTD, (Loans To Assets) LTA as its independent variable, while the dependent variable is Financial Distress. The Financial Distress Indicator used in this study is the ROA categorized ratio (return on assets). Results: The results of this study indicate that 2 Independent financial ratio variables can predict financial distress, namely, ROE and CTD. These results are shown from the linear discriminant analysis using the independent variables and from the formation of the discriminant function coefficient values. Limitations: The Financial Distress Indicator used in this study is the ROA categorized ratio (return on assets). The analysis used in this study is a linear discriminant analysis that requires the dependent variable to be in the form of a category and is used to form the coefficient of the discriminant function. Contribution: Purposive sampling was conducted with a total sample of 14 Islamic Commercial Banks. This study is quantitative research with secondary data types.
Analysis of The Implementation of Green Banking in Islamic Banks (Empirical Study On Indonesian Sharia Bank KCP Kabanjahe) Cindy Anggreni; Ahmad Syakir; Tuti Anggraini
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 1 (2024): Dinasti International Journal of Economics, Finance & Accounting (March-April 2
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i1.2505

Abstract

The purpose of this research is to find out how Green Banking is applied to the policies and financing options offered by Bank Syariah Indonesia KCP Kabanjahe and has been utilized to execute the idea of Green Banking. The method used in this research is field research using a qualitative descriptive research approach. Data obtained from researchers' interviews with Bank Syariah Indonesia informants were analyzed in this research. Research findings show that Bank Syariah Indonesia KCP Kabanjahe has adopted a policy of implementing environmentally friendly banking which includes internal training on this matter, modification of the bank's IT infrastructure, and management style. Implementation of green banking in distribution at Bank Syariah Indonesia KCP Kabanjahe, financing is provided by reducing social and environmental hazards as well as evaluating customers' environmental documentation for financing applications. The Small and Medium Enterprises (UKM) market sector receives an environmentally friendly guarantee in the form of ownership of environmental documents from the Indonesian Sharia Bank Office KCP Kabanjahe.