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All Journal Multidisciplinary Journal of Education, Economic and Culture Miftah
Anggitaningsih , Retna
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Manajemen Risiko Operasional Pada Bank Syari'ah Indonesia di Jawa Timur Anggitaningsih , Retna
Multidisciplinary Journal of Education , Economic and Culture Vol. 2 No. 2 (2024): September 2024
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/mjeec.v2i2.255

Abstract

This research is motivated by the operational risk that occurs at Bank Syariah Indonesia (BSI). Therefore, effective operational risk management is needed at BSI. The purpose of this study is to examine in depth the implementation of operational risk management at BSI. This study uses a qualitative research approach. The data in this study uses secondary data or literature studies. Secondary data obtained from the official BSI website, books, journals and articles related to the research. The data analysis technique used is the qualitative data analysis technique of the Miles and Huberman model. The results of this study are that operational risk management at BSI has been implemented effectively. This is evidenced by the BSI BOPO ratio during 2021 to 2022 which continues to decline
Analisis Faktor-Faktor yang Mempengaruhi Biaya Transaksi Nasabah pada PT Bank Perkreditan Rakyat Nusuma Gondang Legi Malang Anggitaningsih , Retna
Miftah : Jurnal Ekonomi dan Bisnis Islam Vol. 2 No. 2 (2024): October 2024
Publisher : Yayasan Pondok Pesantren Sunan Bonang Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61231/miftah.v2i2.257

Abstract

This study aims to analyze the factors that affect customer transaction costs at PT Bank Perkreditan Rakyat Nusuma Gondang Legi, Malang, using qualitative methods through library research using secondary data from sources such as the bank's official website, books, journals, and related articles. The results show that the cost of obtaining third-party funds has a significant positive effect on transaction costs, while bank operational costs do not. Target profit margin and timely payment incentive costs have a significant positive effect, but loan risk costs and asset depreciation are not significant. In conclusion, factors related to bank management and operations, including cost of obtaining funds, operational costs, target profit margin, timely payment incentive costs, and asset depreciation costs, have a significant effect on customer transaction costs. Effective management is needed to minimize transaction costs and improve the efficiency of the banking industry, providing additional insights for further analysis development in supporting the growth of the banking sector
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