cover
Contact Name
bakhrul huda
Contact Email
bakhrul.huda@uinsby.ac.id
Phone
+6281331303883
Journal Mail Official
el-qist@uinsa.ac.id
Editorial Address
Kampus Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya Jl. Jend. A. Yani 117 Surabaya 60237
Location
Kota surabaya,
Jawa timur
INDONESIA
El-Qist : Journal of Islamic Economics and Business (JIEB)
ISSN : 22527907     EISSN : 27160335     DOI : https://doi.org/10.15642/elqist
el-Qist: Journal of Islamic Economics and Business (JIEB) Merupakan jurnal yang terbit dua kali dalam satu tahun, bulan April dan Oktober, berisi kajian-kajian Ekonomi dan Bisnis Islam, baik berupa artikel konsepsional ataupun hasil penelitian
Articles 12 Documents
Search results for , issue "Vol. 5 No. 2 (2015): eL-Qist" : 12 Documents clear
ANALISIS TINGKAT KESEHATAN BANK SYARIAH MANDIRI PERIODE 2011-2013 DALAM PERSPEKTIF RASIO CAMELS Muh. Syaukin Muttaqin
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 5 No. 2 (2015): eL-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2015.5.2.1099-1111

Abstract

This study aims to measure the health of commercial banks based on Islamic principles by using CAMELS ratio. Contributions from the application of the CAMELS ratio against the Bank Syariah Mandiri in order to assess the factors Capital, Assets, Management, Profitability, Liquidity and Sensitivity. If Bank Syariah Mandiri attention to the ratio of C (Capital) maintain and anticipate emerging risks. Additionally, using the ratio of A (Asset) anticipate the risk of default of the financing provided. The ratio of M (Management) to manage and run the business in accordance with the principles of risk management and capital adequacy of the precautionary principle. The ratio E (Earnings) address the problem of losses, raising capital in creating a profit during a predetermined period and can control the operating expenses to operating income. Then, the ratio L (Liquidity) keeping and maintaining a sufficient level of liquidity, and the latter ratio S (Sensitivity) made into a very low market risk and market risk management is carried out effectively and consistently. In this case, the study of Bank Syariah Mandiri period 2011-2013 using CAMELS ratio obtains a good picture of the plight, healthy or not healthy cycle of Bank Syariah Mandiri or financial position of the Bank Syariah Mandiri. Researcher expects that Bank Syariah Mandiri can predict bankruptcy and financial benefit ratio test in predicting a good profit in the period 2011-2013 and the future.
ANALISIS APLIKASI 5C (CHARACTER, CAPACITY, CAPITAL, CONDITIONAL, AND COLLATERAL) PADA PEMBIAYAAN MURABAHAH DI BMT MANDIRI UKHUWAH PERSADA Qomariyah Qomariyah
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 5 No. 2 (2015): eL-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2015.5.2.1112-1124

Abstract

This research aims to answer questions about how the application of the existing 5C in BMT Ukhuwah Persada Mandiri--particularly for customer of murabaha financing--in determining a client's deserve murabaha financing. This research is a qualitative research. Research data gathered from the interview directly with 17 customers, AO and Manager of BMT Mandiri Ukhuwah Persada in Kedinding Lor gang Tanjung Surabaya. This research analyzed using descriptive analysis method. The results of this research show that the financing customer in BMT Ukhuwah Persada Mandiri Surabaya feel particularly liked doing the murabaha financing because the process is quick and easy. It makes the customer has in good faith to make installment payments in accordance with a defined period of time.

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