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The Urgency of Policy, Regulator and Risk Management in Maintaining a Sustainable Business: Case Study of Silicon Valley Bank (SVB) Solikhawati, Anisa; Rasyidi, Ekky; Ahsan, Muhamad
Indonesian Journal of Economics and Management Vol. 4 No. 2 (2024): Indonesian Journal of Economics and Management (March 2024)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ijem.v4i2.5336

Abstract

This study aims to analyze the urgency of policies, regulators, and risk management in maintaining business at one of the 16th largest banks in the USA, namely Silicon Valley Bank . The method used is descriptive quantitative method. The data used is secondary data in the form of financial reports from 2020 to 2022 and is enriched by qualitative data sourced from articles from 2019 to 2023. The results show that SVB's financial management has experienced an impairment in the ROA, NIM and CAR ratios. SVB has an urge or tendency to take very high risks in an effort to achieve large profits which result in the use of high leverage and unstable sources of funding. The urgency of policies, regulators and risk management is considered very high in the case of SVB because their overall role is in maintaining a sustainable business.
The Bjorka Hacking Phenomenon on Selling Personal Data as a Digital Asset from The Perspective of Maqashid Sharia Fageh, Achmad; Solikhawati, Anisa
Jurnal Hukum Islam Vol 20 No 2 (2022)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/jhi.v20i2.6387

Abstract

Personal data is often used as a digital commodity tool on every digital platform such as Shopee, Link Aja, Dana, Go-jek, Grab, and so on. This study aims to find out more about the Bjorka hacking phenomenon on the sale of personal data as a digital asset from a sharia maqashid perspective. This type of research is library research , namely an assessment of library sources related to the problems discussed, especially in exploring contemporary muamalah fiqh concepts from various at-Turath books and books by local fiqh muamalah figures. as well as the West. The data sources of this research are primary and secondary. The results show that the phenomenon of selling data by Bjorka is very clear that this violates the concept of maqashid sharia in terms of dharuriyat , hajiyat , and tahsiniyat . Based on maslahah dharuriyat which is divided into 5 aspects, namely maintaining religion ( hifdhud diin ), guarding the soul ( hifdhun nafs ), guarding offspring ( hifdhud nasl ), guarding reason ( hifdhul aql ), even protecting property ( hifdhul maal ), cases of selling personal data are something that deviates from the principles of maqashid sharia.
PRIZE LOTS IN ISLAMIC PERSPECTIVE (Case Study of Lucky Draw at Bank BNI Syariah KCP Ampel Surabaya) Layyinah, Layyinah; Chabibah, Umi; Solikhawati, Anisa; Hakim, Abdul; Musfiqoh, Siti
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 8 No. 2 (2018): October
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2018.8.2.1659-1675

Abstract

Abstract This study aims to find out more about the law of prize lots according to the Islamic perspective. The prize lots with prizes is increasingly prevalent in the community, and is becoming a familiar thing. Prize lots is one form of allowing products in an institution, especially in the banking world. Prize lots in BNI Syariah banks is carried out to attract customers to transact using Syariah Banks. This study uses a qualitative method based on literacy theory and methods. This study is based on the laws that exist in the Qur'an, hadith, and fiqh rules that allow Prize lots with terms and conditions that do not come out of Islamic teachings. In this study, the practice of the iB Hasanah BNI Syariah Savings Prize lots is that the customer opens an iB Hasanah Savings account at Bank BNI Syariah KCP Ampel Surabaya and if the customer has a minimum balance or meets the requirements to participate in the lucky draw, the bank will automatically provide a lottery number for entered in a lottery to determine which customers are entitled to receive prizes. From this study, the authors can conclude that the practice of Prize lots with iB Hasanah Savings at Bank BNI Syariah KCP Ampel Surabaya is not a gambling practice (maysīr) which is forbidden by Islam because the practice does not fulfill the elements of gambling, namely the presence of a party who bets, the determination of the winner. and done face to face. Keywords: Prize lots, Lucky Draw, Islamic Bank, Prize           Abstrak Penelitian ini bertujuan untuk mengetahui lebih tentang hukum undian berhadiah menurut perspektif Islam. Undian berhadiah semakin marak di masyarakat, dan menjadi hal yang tidak asing lagi. Undian berhadiah menjadi salah satu bentuk memperkenankan produk di suatu lembaga, utamanya dalam dunia perbankan. Undian berhadiah dalam bank BNI Syariah dilakukan agar menarik nasabah untuk bertransaksi menggunakan Bank Syariah. Penelitian ini menggunakan metode kualitatif yang berlandaskan teori dan metode literasi. Penelitian ini didasarkan pada hukum yang ada di Al-Qur’an, hadits, dan kaidah-kaidah fikih yang membolehkan undian berhadiah dengan syarat dan ketentuan yang tidak keluar dari ajaran Islam. Dalam riset ini, praktik Undian Berhadiah Tabungan iB Hasanah BNI Syariah adalah nasabah membuka rekening Tabungan iB Hasanah di Bank BNI Syariah KCP Ampel Surabaya dan apabila nasabah telah memiliki saldo minimum atau memenuhi persyaratan untuk mengikuti undian berhadiah maka secara otomatis pihak bank akan memberikan nomor undian untuk diikutkan dalam undian untuk menentukan nasabah mana yang berhak mendapatkan hadiah. Dari penelitian ini, penulis dapat menyimpulkan bahwa praktik undian berhadiah Tabungan iB Hasanah pada Bank BNI Syariah KCP Ampel Surabaya bukanlah merupakan praktik judi (maisir) yang diharamkan oleh Islam karena praktek tersebut tidak memenuhi unsur-unsur judi yaitu adanya pihak yang bertaruh, adanya penentuan pemenang dan dialkukan secara berhadap-hadapan langsung. Kata Kunci : Undian Berhadiah, Bank Syariah, Hadiah
Evaluasi Bank Syariah Indonesia Pasca Serangan Siber: Pergerakan Saham dan Kinerja Solikhawati, Anisa; Samsuri, Andriani
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10309

Abstract

This study aims to determine the movement of BRIS shares after the cyber attack on May 8 2023. BRIS, which is owned by PT. Bank Syariah Indonesia Tbk experienced a decrease in share price due to a system error. Digital transaction services had stopped, such as BSI Mobile, ATMs and tellers at branch offices unable to serve customers. This study uses a quantitative method with a descriptive approach. The results show that the stock price movement has decreased until June 26 2023 and BSI's performance seen from the KPMM, ROA and BOPO ratios received the criteria of being healthy and good. Meanwhile, the FDR ratio of Islamic banks is considered bad because it has poor liquidity.