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Journal : Journal Markcount Finance

Factors Influencing Non-Performing Financing (NPF) In Sharia Banking Hardana, Ali; Zein, Aliman Syahuri; Johanna, Anne; Avinash, Buschhaus
Journal Markcount Finance Vol. 1 No. 2 (2023)
Publisher : Yayasan Pendidikan Islam Daarut Thufulah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (310.387 KB) | DOI: 10.55849/jmf.v1i2.87

Abstract

The risk of financing is the risk caused by the failure of the custom[1]ers to fulfill their obligations. Non-performing financing (NPF) is a representation of financing risk that is channeled and has a direct impact on bank profitability. The value of NPF tends to increase annually with a value that is already close to the maximum limit set by Bank Indonesia of 5 percent. This condition is able to lead to the inefficiency of the banking system and in the long run, will have an impact on the sustainability of the bank. Therefore, the analysis of NPF factors should be conducted as a preventive mea[1]sure and a risks controller of business activities. This research an[1]alyzes the factors influencing NPF at sharia banking (BUS) using a quarterly datafrom first quarter of 2012 until third quarter 2016. Method used in this research is panel data analysis. The result of analysis shows that the factors influencing NPF negatively and sig[1]nificantly are ratio of revenue sharing financing (RR), Return on ssets (ROA), inflation, Capital Adequacy Ratio (CAR) and Bank[1]size while Gross Domestic Product (GDP) and Operating Cost to Operating Income (BOPO) have a significant positive effect.
Financial Management: A System of Relations for Optimizing Enterprise Finances – a Review Sitinjak, Charli; Johanna, Anne; Avinash, Buschhaus; Bevoor, Bevoor
Journal Markcount Finance Vol. 1 No. 3 (2023)
Publisher : Yayasan Pendidikan Islam Daarut Thufulah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55849/jmf.v1i3.104

Abstract

Effective financial management is critical to the success of any organization. This review paper provides a comprehensive analysis of financial management as a network of interdependent processes that require coordinated action among investors, creditors, and managers. The paper examines the function of financial management within an organization and its role in achieving financial optimization. Drawing on extensive research, the review paper identifies the four pillars of efficient financial management: planning, budgeting, forecasting, and monitoring. It emphasizes the importance of open communication and coordinated action among all parties involved in financial decisions. By closely monitoring financial performance, financial management can guarantee that an organization is making the most of its available resources. The review paper also stresses the significance of strong leadership in financial management. Effective financial management requires skilled managers who can navigate the complex web of financial relationships within an organization. By analyzing key aspects of financial management, the review paper provides valuable insights into how organizations can optimize their financial management processes.