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All Journal Sahmiyya: Jurnal Ekonomi dan Bisnis Journal of Islamic Economics and Finance
Himma Arasy Attamimi
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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Analisis Peran Kontribusi Koperasi Syariah dalam Pengembangan UMKM di Kota Pekalongan Himma Arasy Attamimi; Amalia Ayuningtyas; Nailis Syafa Kamila; David Apriyansyah; Diah Ayu Eka Putri
Journal of Islamic Economics and Finance Vol. 1 No. 4 (2023): November: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i4.368

Abstract

Micro, small and medium enterprises (MSMEs) are productive business units that can stand alone and are carried out by individuals or business entities in all economic sectors that have been able to survive amid the economic crisis that has hit since 1997 and have even become a lifeline for the country's economic recovery. In the city of Pekalongan, cooperatives can play an important role in community businesses, such as MSMEs. This is an effort to overcome poverty in society. This research uses a descriptive qualitative approach. The data used in this research is primary and secondary data. Primary data was obtained from interviews with MSMEs in Pekalongan City and secondary data was obtained from various sources, namely from the Central Statistics Agency (BPS), the Financial Services Authority (OJK), journals and articles relevant to research. Sharia cooperatives have products and mechanisms that are based on the Koran and the hadith of the Prophet. In its implementation, the cooperative system is able to provide loans that are far from the interest element which is clearly prohibited by the Shari'a. Cooperatives have various contracts that can guarantee the smooth transaction process for MSMEs that need funds or MSMEs who want to save their funds. From these interviews, the role of cooperatives in terms of MSME capital has great potential. Cooperatives can be a driving force in the growth of the real sector, especially MSMEs. With the presence of cooperatives, it helps the community, especially MSMEs, in realizing and developing their business. Apart from that, cooperative activities do not contain elements of usury, gharar and maysir.
Analisis Tingkat Kesehatan Bank dengan Menggunakan Metode CAMEL (Capital, Asset, Management, Earning, Liquidity) Pada Bank Aceh Syariah Periode 2019-2022) Himma Arasy Attamimi; Rizqi , Alfiana; Windaningrum, Windaningrum
Sahmiyya: Jurnal Ekonomi dan Bisnis Vol 3, No 1 Mei 2024
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

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Abstract

The study aims to determine the health status of the Aceh Sharia Bank by assessing whether the bank is in a healthy, sufficiently healthy, unhealthy, and inadequate condition. This research uses the CAMEL method (Capital, Asset, Management, Earning, Liquidity) with the financial ratio CAR, NPF, BOPO, NPM, ROA, ROE, FDR. The data used in this research is obtained from the data of the Financial Report of the Annual Publication of the Bank of Aceh Shariah period 2019-2022. This type of research is descriptive research with a quantitative approach. For that, the data source required in this study is secondary data which is the financial report of the bank of Aceh shariah during the 2019-2022 period. The result of the analysis is that the Capital Satisfaction Ratio (Capital) analyzed with KPMM showed good progress and entered the rank very healthy. Next, the Quality Ratio of Productive Assets (Assets) through the NPF analysis with stagnant results or no major changes, but the ranking is still in the very healthy rank. Then the Management Quality ratio (Management) with the BOPO and NPM analysis. The BOPo ratio in the bank aceh shariah is categorized very well and is in the rank 1. The same with the NPM ratio is categorised very good and is at the rank 1 because the overall score is above 100%. Next the Earning Ratio through ROA and ROE. The ROA analysis shows a decrease from four years. While the ROE analysis shows decreases every year. Then the last Liquidity Ratio showed up and down but still in the very healthy ranking category
Co-Authors Amalia Ayuningtyas David Apriyansyah Diah Ayu Eka Putri Nailis Syafa Kamila Rizqi , Alfiana Windaningrum, Windaningrum