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All Journal Reinforce: Journal of Sharia Management Sharef: Journal of Sharia Economics and Finance
Kusumaningtyas, Afifa
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Religion Economics, Econometrics & Finance Social Sciences

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Strategi Pemasaran Produk di Era Modern Faiz Syahputra, Kevin; Octafia Ramadhani, Lintang; Kusumaningtyas, Afifa; Nur Asiyah, Binti
Reinforce: Journal of Sharia Management Vol 4 No 1 (2025)
Publisher : Faculty of Islamic Economic and Business (FEBI), Sayyid Ali Rahmatullah State Islamic University (UIN SATU) Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/reinforce.v4i1.10217

Abstract

This research discusses marketing strategy which is a very important part of planning for the company as a whole, especially in situations where competitors are very tight. Today's business competition is quite tight in all fields. Market conditions are increasingly competitive, especially during the Covid-19 pandemic. Therefore, it is necessary to implement a marketing strategy 4.0 using a website as a place to market their products as a very good way. This research aims to determine marketing strategies through several methods, including websites. This research uses a literature analysis research method with a qualitative approach which aims to find out, describe and explain the actual situation regarding the marketing strategy being carried out. Data collection methods use interviews, observation and documentation methods.
Analisis Kesehatan Bank BTPN Syariah dengan Metode RGEC dan CAMEL Periode 2020-2024 Hapsari, Nasywa Dwi; Midana, Najatu Rizka; Andika, M Arya; Kusumaningtyas, Afifa; Hapsari, Mega Tunjung
Sharef: Journal of Sharia Economics and Finance Vol 3 No 2 (2025): Journal of Sharia Economics and Finance Vol. 3 No. 2 (2025)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jsef.v3i2.1620

Abstract

Penilaian terhadap tingkat kesehatan bank merupakan aspek krusial dalam menjaga stabilitas industri perbankan dan mempertahankan kepercayaan masyarakat. Otoritas Jasa Keuangan (OJK) telah menetapkan standar evaluasi melalui metode Risk-Based Bank Rating (RBBR) atau RGEC, yang berfokus pada empat komponen utama: profil risiko, tata kelola perusahaan, rentabilitas, serta permodalan. Di sisi lain, pendekatan klasik CAMEL (Capital, Asset, Management, Earnings, dan Liquidity) masih digunakan untuk menilai kinerja keuangan bank secara kuantitatif. Penelitian ini bertujuan untuk menganalisis serta membandingkan tingkat kesehatan PT Bank BTPN Syariah selama periode 2020–2024 dengan menggunakan kedua metode tersebut, yaitu RGEC dan CAMEL. Indikator yang dikaji meliputi Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), Return on Assets (ROA), Biaya Operasional terhadap Pendapatan Operasional (BOPO), Financing to Deposit Ratio (FDR), dan Posisi Devisa Neto (PDN). Dengan menggabungkan kedua pendekatan ini, penelitian diharapkan mampu memberikan gambaran yang lebih komprehensif mengenai kesehatan bank, baik dari sisi manajemen risiko dan tata kelola, maupun dari aspek fundamental keuangan. Hasil penelitian ini diharapkan dapat memberikan kontribusi empiris bagi pengembangan literatur mengenai kesehatan perbankan syariah serta menjadi acuan bagi regulator, akademisi, dan praktisi dalam memperkuat sistem pengawasan dan strategi pengelolaan bank syariah di Indonesia.
Co-Authors Andika, M Arya Faiz Syahputra, Kevin Hapsari, Mega Tunjung Hapsari, Nasywa Dwi Midana, Najatu Rizka Nur Asiyah, Binti Octafia Ramadhani, Lintang