Simamora Desi Anna Sari
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ANALISIS PERBEDAAN PRINSIP PRODUK PENGHIMPUNAN DANA (FUNDING) PERBANKAN SYARIAH DAN PERBANKAN KONVENSIONAL Septi Dwi Wulandari; Nabilah Az-zahra; Simamora Desi Anna Sari; Muhammad Rifai; Muhammad Syahwildan
Kajian Ekonomi dan Akuntansi Terapan Vol. 1 No. 3 (2024): September : Kajian Ekonomi dan Akuntansi Terapan (KEAT)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/keat.v1i3.280

Abstract

The bank is an official state institution in the financial sector that has the task of withdrawing and disbursing public money. Banks are one type of trusted institution among the surrounding community. Banks that have a non-trivial task make the bank also registered in the law for its security. There are many banks in Indonesia, one of which is BSI. BSI is the only bank that applies sharia principles based on the Koran and hadith. The existence of these principles makes Islamic banks not carelessly choose transactions or cooperation with other parties or customers. Uniquely, Islamic banks also use a profit sharing system as their ratio. Whereas conventional banks use the deposit interest system as their ratio. That is why researchers are interested in conducting research on the difference between the principles of Islamic banks and conventional banks in fundraising products (funding). There are three types of fundraising products in both Islamic and conventional banks, namely checking accounts, savings accounts and time deposit accounts. The difference is that Islamic banks use wadi'ah contracts and mudharabah contracts. This study aims to introduce to all people that Islamic banks have their own uniqueness and characteristics. Therefore, it is necessary to explain the contracts involved in Islamic banking. In this study, researchers used qualitative techniques. There are two data sources: Primary and secondary data sources. The researchers conducted direct interviews with informants based on primary data.
ANALISIS COUNTRY RISK: FAKTOR-FAKTOR PENENTU, TEKNIK PENILAIAN, DAN DAMPAKNYA TERHADAP NILAI PERUSAHAAN DI PASAR INTERNASIONAL Siti Kholipah; Rika Sahara; Simamora Desi Anna Sari; Okta Kurniati; Siti Usmaliyah; Muhamad Syahwildan
Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi Vol. 14 No. 8 (2025): Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v14i8.10706

Abstract

Tujuan dari penelitian ini adalah untuk mengidentifikasi faktor-faktor penentu utama dari country risk, mengkaji teknik-teknik penilaian yang digunakan untuk mengukur risiko negara, serta menganalisis dampaknya terhadap nilai perusahaan di pasar internasional. Analisis country risk menjadi hal yang semakin penting dan diperlukan dalam konteks investasi dan operasi perusahaan di pasar internasional. Risiko negara mencakup berbagai faktor yang dapat mempengaruhi kestabilan ekonomi, politik, dan sosial suatu negara, yang pada gilirannya mempengaruhi kinerja perusahaan dan keputusan investasi. Faktor-faktor yang mempengaruhi tersebut seperti ketidakstabilan politik, risiko ekonomi, hukum dan regulasi serta ketegangan sosial ekonomi memainkan peran penting dalam membentuk tingkat risiko suatu negara. Berbagai teknik penilaian, termasuk analisis kualitatif, indeks risiko negara, dan model kuantitatif, digunakan untuk mengukur dampak dari risiko ini. Hasil dari analisis menunjukkan bahwa country risk berpengaruh signifikan terhadap biaya modal perusahaan, kestabilan pendapatan, serta nilai pasar perusahaan di pasar internasional.