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All Journal International Journal of Science, Engineering and Information Technology International Conference on Islamic Economic
Umyana, Siti
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Civil Engineering, Building, Construction & Architecture Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Industrial & Manufacturing Engineering Mechanical Engineering

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Corporate Governance Mechanism On Banking Financial Performance Umyana, Siti
International Conference on Islamic Economic (ICIE) Vol. 1 No. 2 (2022): October
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v1i2.122

Abstract

Every year Islamic banking has progressed quite rapidly to compete in the financial sector. By offering lower interest rates and some tips that attract the attention of Islamic banking consumers, it is enough to attract people to use the financial services of the bank. However, it should also be noted that every bank, be it Sharia or general, has various strategies to attract the attention of customers who will use the bank's services. To make customers more comfortable and interested in using the services of a bank, there are several mechanisms that are applied, and in this study the researchers used the corporate governance mechanism as the independent variable and the financial financial performance variable as the dependent variable. By using a quantitative descriptive approach by distributing several questionnaires to respondents who have been determined by the researcher to get results on a Likert scale. From the results of research processed using the help of several SPSS 21 applications, it shows that directors and institutional ownership have a positive influence on the performance of Islamic banks.
ANALISIS PROGRAM RESTRUKTURISASI KREDIT DALAM MENINGKATKAN KINERJA BANK BRI SUMENEP (STUDI KASUS SELAMA MASA PANDEMI COVID 19) Umyana, Siti
International Journal of Science, Engineering, and Information Technology Vol 10, No 1 (2025): IJSEIT volume 10 Issue 1 December 2025
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/ijseit.v10i1.33614

Abstract

A credit that is said to be bad must have a rescue effort, if leftunchecked it will cause losses to the bank. Rescue can be done by restructuring (rearrangement). With restructuring in accordance with the condition of debtors who are potentially unable to pay, the liquidity of a bank can be maintained. One of the banks that issued a policy for implementing credit restructuring, namely BankBRI, Bank BRI Sumenep Branch is the branch with the most BRI Bank Units on Madura Island which also implemented a credit restructuring program. The purposeof this study is to determine the credit restructuring program and its implications for improving the performance of Bank BRI Sumenep Branch. This study uses a qualitative approach and the type of field research, while the data analysis uses the stages of data collection, data reduction, data presentation, and verification/drawingconclusions.The results of this research are first, the BRI Sumenep branch of the bank carried out a credit restructuring program in 3 ways, namely extending the term, reducing interest rates, and grace periodi. and the needs of debtorsin Sumenep Regency. The recipient of the credit restructuring must meet 3 criteria, namely (1) there is good faith from the debtor/cooperative, (2) business prospects are still good, and (3) the business is still running, but during Covid-19 the criteriafor credit restructuring recipients were relaxed to become only 1, namely 'the business is still running'. Second, The credit restructuring program carried out by Bank BRI Sumenep Branch is considered successful in reducing the level of non-performing loans, namely by May 2022 the data on the number of restructured accounts has reached 17 accounts from 21 accounts in December 2021 and in nominal terms in May 2022 only Rp. 10,142,857,142 from Rp.15,371,461,327 in December 2021. So that the performance of Bank BRI Sumenep Branch is getting better after the credit restructuring program
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