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All Journal FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN International Journal of Economics, Business and Accounting Research (IJEBAR)
Azzahra, Maylin
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Economics, Econometrics & Finance

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STRATEGI PENANGANAN PEMBIAYAAN YANG BERMASALAH TERHADAP PT. BANK SUMUT SYARIAH CABANG MEDAN KATAMSO) Azzahra, Maylin; Dalimunthe, Ahmad Amin
FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Vol 6, No 1 (2023): APRIL
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/jf.v6i1.825

Abstract

The current research is focused on what are the triggers that lead to problematic financing as well as solutions from banks to these customer problems at PT. Bank Sumut Syariah Medan Katamso Branch Office. The method used is descriptive qualitative. Where the researchers carried out this method by collecting information through question and answer sessions from resource persons, research and also data studies. Researchers found lots of lists of problematic financing customers at PT. Bank Sumut Syariah Medan Katamso Branch. This problematic financing itself means a situation where the debtor cannot or is able to meet his needs for Islamic financial institutions or in short, it can be said that the customer is unable to pay installments to the bank. The results obtained are the main cause of this problematic financing, namely because the customer is no longer able to fulfill his responsibilities to the bank, besides that it is also the character of the customer who is of course deliberately not paying the arrears that occur. So the steps taken by the bank if the customer still has good faith are reschedule, restructuring, reconditioning. However, if there is nothing more to be expected from the customer, then what is done is confiscation, emptying, and then auctioning. This is the last key done by the bank so as not to suffer losses.
THE INFLUENCE OF OPERATIONAL COSTS (BOPO), THIRD PARTY FUNDING PROFIT SHARING (DPK), AND CASH RATIO ON PROFITABILITY WITH MURABAHAH FINANCING AS A MODERATION VARIABLE IN SUMUT SHARIAH BANK Azzahra, Maylin; Fadhila Rahma, Tri Inda; Bi Rahmani, Nur Ahmadi
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8 No 2 (2024): IJEBAR, VOL. 08 ISSUE 02, JUNE 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i2.13908

Abstract

Profitability is a company's expertise in generating margins or profits as long as the company operates. Financing at Bank Sumut Syariah can be considered as one of the driving factors for increasing the profitability of a bank. It's just that the financing contained in Bank Sumut Syariah does not fully affect profitability, but other factors that most affect the profitability of the bank. The purpose of this research is to show whether Operational Costs (X1), Profit Sharing of Third Party Funds (X2) and also Cash Ratio (X3) have an influence on profits or profit (Y) with Murabahah Financing (Z) as a moderating variables. For this reason, the researchers here used the SEM analysis research method and Bootstrapping using SMARTPLS with secondary data and the nature of the quantitative research used in testing the data that had been obtained at Bank Sumut Syariah. In this study, the results obtained were that the variables BOPO (X1), DPK (X2), CR (X3) and also Murabahah Financing (Z) did not have a relevant impact on Profitability (Y) of PT Bank Sumut Syariah which had been processed and conclusions drawn from several tests that have been carried out. Then it was also obtained from the research that the Murabahah Financing itself weakened the relationship between DPK and ROA. And also Murabaha financing weakens the relationship between CR and ROA. However, Murabahah Financing strengthens the relationship between BOPO and ROA. So it can be said that Murabahah Financing moderates the effect of BOPO on ROA. However, Murabahah Financing cannot moderate the effect of TPF on ROA nor can it moderate the effect of CR on ROA. Keywords: Operating Costs, Profit Sharing Of Third Party Funds And Cash Ratios To Profitability
Co-Authors Bi Rahmani, Nur Ahmadi Dalimunthe, Ahmad Amin Fadhila Rahma, Tri Inda