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All Journal J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Journal of Islamic Economics and Finance
Muarif Setiawan
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Economics, Econometrics & Finance Other

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Strategy In Preventing Financial Distress: Resolution Of Problem Financing At Bank Aceh Syariah Branch Peureulak Aceh Ulya, Zikriatul; Safwandi; Sarita Ulfia; Muarif Setiawan; Zulhilmi
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol,10 No 1 (2025)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v10i1.10962

Abstract

This study discusses the strategy of resolving problematic financing in preventing financial distress at Bank Aceh Syariah sub-branch peureulak, the problems presented in this study are, the level of financing problems in Bank Aceh Syariah sub-branch of peureulak how to solve problematic financing in preventing financial distress at Bank Aceh Syariah Peureulak auxiliary branch, what decisions are taken in the settlement of problematic financing, what are the strategies in the settlement of problematic financing. The purpose of this study is to analyze the strategy for resolving problematic financing in preventing financial distress at Bank Aceh Syariah sub-branch peureulak with a process hierarchy analysis method. This research method is the positive qualitative Analytic Hierarchy Process (AHP) method. The results of this study show that the alternative priority of problematic financing settlement strategies in preventing financial distress at Bank Aceh Syariah sub-branch peureulak from the results of the assessment of 3 criteria, 5 sub-criteria, and 4 alternatives based on the results of the analysis of AHP using expert choice The highest priority strategy is to close and sell one or more business units (0.293), then the second strategy priority is the extension of the credit schedule (0.280), and the third strategy is to reduce profits (0.231). In conclusion, the priority of alternative strategies for resolving problematic financing in preventing financial distress at Bank Aceh Syariah sub-branch of peureulak from the results of the assessment of 3 criteria, 5 sub-criteria, and 4 alternatives based on the results of the analysis using expert choice obtained is the highest priority of the third-party fund dependency strategy with an inconsistency value of 0.05< 0.1 interpreted as consistent. The recommendation for banks is to strengthen risk analysis and financing restructuring policies, while for customers, it is recommended to be cooperative in following financing rescue policies so that business sustainability is maintained and the risk of financial distress can be minimized.
Pengaruh Sikap Dan Pengetahuan Keuangan Di Kota Langsa : Dampak Manajemen Keuangan Pribadi dan Gender Sebagai Variabel Moderating Ulya, Zikriatul; Aisyah Putri; Syamsul Rizal; Aya Zulfia4; Muarif Setiawan
Journal Of Islamic Economics And Finance Vol 5 No 2 (2025): Vol. 5 No. 2 (2025)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/jief.v5i2.10049

Abstract

This study aims to analyze the effect of financial attitudes and knowledge on personal financial management among students in Langsa City, with gender as a moderating variable. Using a quantitative descriptive approach with a sample of 200 students selected through purposive sampling, the data were analyzed using multiple linear regression and Moderated Regression Analysis (MRA). The results show that attitudes and financial knowledge have a positive and significant effect on personal financial management, both partially and simultaneously. In addition, gender moderates the relationship between these two variables, indicating that psychological, cognitive, and demographic factors play an important role in shaping students' financial behavior. These findings contribute theoretically to the understanding of financial behavior and provide practical recommendations for educational institutions to develop gender-sensitive financial literacy programs.
Co-Authors Aisyah Putri Aya Zulfia4 Safwandi Sarita Ulfia Syamsul Rizal Ulya, Zikriatul Zulhilmi