Andayani, Hirini
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Maqashid Sharia Index: Reviewing The Financial Performance Of Sharia Banks In Indonesia During The Outbreak Prahara, Rahma Sandhi; Sundari, Sundari; Diah Syifaul; Andayani, Hirini
Jurnal Ekonomika dan Bisnis Islam Vol 6 No 3 (2023): Desember
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v6n3.p11-18

Abstract

In the era of global economic crisis due to the outbreak, according to data obtained from the Financial Services Authority, the total assets of Islamic banking show a positive trend as the assets increase every year. This study aims to assess the performance of Islamic banking in Indonesia before and after the Covid 19 pandemic using the Maqashid Syariah Index (MSI) approach. There are three indicators used in the measurement, namely individual education, the embodiment of justice and the general benefit. Using purposive sampling technique, five Islamic banks with the largest office network, Bank Muamalat Indonesia (BMI), BRI Syariah Bank (BRIS), Mega Syariah Bank (BMS), BJB Syariah Bank (BJBS) and BCA Syariah Bank (BCAS), were selected in which the annual report data were analyzed by using SAW (Simple Additive Weighted). The results of this study indicate that based on the calculation of the Maqashid Syariah Index, there are two Islamic commercial banks in which the financial performance has increased during the pandemic, while the others experienced a decline after the pandemic
The Effectiveness of The Restructuring Mechanism of Bank Muamalat on Murabahah Financing Products during Pandemic Covid 19 Fauziah, Nur Dinah; Satria, Yudha; Andayani, Hirini
Al-Maqrizi: Jurnal Ekonomi Syariah dan Studi Islam Vol. 1 No. 2 (2023): AL MAQRIZI: Jurnal Ekonomi Syariah dan Studi Islam
Publisher : ekonomi syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/amq.v1i2.37272

Abstract

The Covid-19 pandemic has caused many industries desperate due to the limitations of existing activities, including the financial services industry. Since the Covid-19 pandemic arrived in Indonesia, at least this has largely affected Indonesia's national economy. Covid-19 pandemic has certainly not only disrupted economic activity in Indonesia but in almost all countries in the world. Limited activity during this pandemic has paralyzed economic activity globally and nationally. Banks as the forefront that have the power to stabilize and maintaining financial stability must work hard to overcome the impacts that have occurred due to Covid-19 pandemic. The Restructuring mechanism is one of the products launched to overcome Non Performing Credit from customers due to the impact of the Covid-19 pandemic. This study is an analysis study using secondary data. This study describes the effectiveness of the implementation of Restructuring during the Covid-19 pandemic. The results of this study will be useful as a reference for making future policies regarding regulatory in handling such phenomena that may occur as a pre-cautious mechanism.