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BANK NTB SYARIAH'S SOUNDNESS: A MULTI-METHOD ASSESSMENT USING CAMELS, RGEC, AND ALTMAN Z-SCORE Syahrir, Dimas Kenn; Hosen, M. Nadratuzzaman; Wahyudi, Ickhsanto
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 10 No 3 (2023): JMBI UNSRAT Volume 10 Nomor 3
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v10i3.50412

Abstract

This paper endeavors to appraise the level of stability of Bank NTB Syariah during the time span of 2019 to 2021, by employing the CAMELS technique (which scrutinizes the bank's Capital, Assets, Management, Earnings, Liquidity, and Market Sensitivity), RGEC (which assesses the Risk Profile, Good Corporate Governance (GCG), Earnings, and Capital), as well as the Altman Z Score method (which analyzes the potential for bankruptcy). The data utilized for this research were procured through the application of documentation techniques and sourced from the financial statements and annual reports of Bank NTB Syariah, from 2019 to 2021. The data analysis technique utilized involved an evaluation of the bank's level of stability, utilizing a risk-based approach, encompassing the CAMELS, RGEC, and Altman Z Score factors. Based on the appraisal of the level of stability of PT. Bank NTB Syariah from 2019 to 2021, as evaluated by the comprehensive RGEC and CAMELS approach, the bank is deemed to be in a sound financial condition. However, the results of the bankruptcy prediction analysis, utilizing the Altman Z Score model, indicate that the financial state of Bank NTB Syariah in 2021 is situated in a nebulous area, albeit superior to its condition in 2020 and 2019, which indicated an indication of financial distress and potential bankruptcy.
Integration of New Media and Prophetic Communication Enhanced for Zakah, Infāq, Ṣadaqah, and Waqf Fundraising: A Case Study of Baitulmaal Munzalan Indonesia Rasiam, Rasiam; Umiyati, Umiyati; Habibullah, Habibullah; Syahrir, Dimas Kenn; Said, Muhammad
Journal of Islamic Law Vol. 4 No. 1 (2023): Journal of Islamic Law
Publisher : Institut Agama Islam Negeri (IAIN) Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jil.v4i1.1167

Abstract

Recent developments in Islamic philanthropic practices have shifted from traditional to modern ways through the use of information technology. This article seeks to analyze how prophetic communication is integrated by Baitulmaal Munzalan Indonesia (BMI) in its use of new media to enhance Zakah, Infāq, Ṣadaqah, and Waqf (Ziswaf) fundraising. This research uses a qualitative method by conducting field work through primary and secondary data collection. Primary data were collected through observation and interviews with members of the executive board and managers of this institution, while secondary data were obtained by exploring its website and social media. We found that the BMI has been using a number of new media, both online media and social media, to build the trust of the Muslim community in charity. Millennials are recruited as agents to carry out all of the BMI’s carefully planned programs. Through its social media, the BMI uses prophetic communication by involving several well-known ustadz (preachers) on social media as ambassadors for Ziswaf fundraising. We argue that the transformation of new media that communicate religious messages and are supported by the millennial movement has become an ecosystem for collecting, managing and distributing Ziswaf funds in its latest practice.
Leveraging Islamic Economic To Alleviate Poverty In Indonesia : A Promising Pathway Syahrir, Dimas Kenn; wahyudi, ickhsanto; Yunan, Zuhairan Yunmi; Rahmawati, Rahmawati
International Journal of Entrepreneurship and Business  Management Vol. 2 No. 2 (2023)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia (ADPEBI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/ijebm.v2i2.797

Abstract

This empirical study explores the relationship between Islamic banking development, social justice promotion, and poverty reduction in Indonesia, using annual time series data from 1991 to 2021.. Methodology/approach The analysis encompasses unit root tests, Johansen cointegration tests, and Vector Error Correction Models (VECM) to assess short and long-term causality among the variables. The results provide robust evidence that expanding Islamic financial institutions and increasing spending on Islamic philanthropy significantly contribute to reducing national poverty levels over both the short and long-run. Islamic finance, characterized by equity-based principles, facilitates financial access for marginalized groups, while instruments of Islamic philanthropy such as zakat and sadaqah directly assist the disadvantaged, enabling pathways out of poverty. Findings – The findings underscore the potential of Islamic economics to foster equitable, inclusive, and sustainable growth, validating the need for policy support to harness its impact