AbstrakPembiayaan merupakan salah satu produk yang banyak diminati msayarakat. Dalam meminimalisir kredit bermasalah, tahapan analisis kredit harus menerapkan prinsip 5 C secara maksimal.Metode penelitian yg digunakan ialah deskriptif pendekatan kualitatif. Sumber data didapat dari data primer yaitu diambil dari annual report dan data sekunder yaitu buku, jurnal dan data yang mendukung dari bank.Hasil analisis perbankan yang ingin menekan tingkat NPF harus memperhatikan prinsip 5C dan menganalisa kredit harus mengutamakan kualitas bukan kuantitas. Selain itu terdapat pilar yang mendukung analisa seperti tiga pilar kelayakan yang menjadi dasar utama dari analisa kelayakan pemberian kredit meliputi :1)Kredibilitas manajemen 2)Kemampuan membayar kembali pembiayaan .3)Agunan dan 5 (Lima) regulator dalam mengurangi risiko kredit diantaranya:1)Otoritas Pemberian Pinjaman, 2) Jenis Kredit dan Distribusi Berdasarkan Kategori yang sesuai kebutuhan dan kemampuan calon nasabah, 3) Proses Penilaian diterapkan sesuai ketentuan prinsip proses pembiayaan, 4) Harga Kredit, 5) Penentuan Maturitas/Jatuh Tempo dilakukan untuk meringankan calon nasabah mengembalikan pinjaman ke bank.Kata Kunci : Pembiayaan (Kredit), NPFAbstractFinancing is one product that is in great demand on public. In minimizing problem loans, the stages of credit analysis must apply the principle of 5 C to the maximum.The research method used is descriptive qualitative approach. Sources of data obtained from primary data is taken from the annual report and secondary data, namely books, journals and supporting data from the bank.The results of banking analysis that want to reduce the NPF level must pay attention to the 5C principle and analyze credit must prioritize quality not quantity. In addition, there are pillars that support analysis such as the three feasibility pillars which are the main basis of the feasibility analysis of lending including: 1) Management credibility 2) Ability to repay financing.3) Collateral and 5 (Five) regulators in reducing credit risk include: 1) Loan Provisioning Authority, 2) Types of Credit and Distribution Based on the category according to the needs and abilities of prospective customers, 3) The Assessment Process is applied in accordance with the principles of the financing process, 4) Credit Prices, 5) Determination of Maturity / Maturity to alleviate prospective borrowers to the bank.Kata Kunci : Pembiayaan (Kredit), NPF
Abstrak Dalam lembaga keuangan syariah telah diperkenalkan beberapa instrumen keuangan sebagai pengganti instrumen bunga. Instrumen tersebut adalah sebuah instrumen yang lebih mengedepankan prisip bagi hasil (profit and loss sharing). Keuntungan yang diperoleh dan kerugian yang diderita ditanggung secara bersama-sama oleh pihak yang melakukan transaksi. Oleh karena itu, kedua belah pihak, yang melakukan transaksi akan saling memperhatikan kemajuan dan kemunduran usaha yang dijalankan. Diantara prisnip bagi hasil yang paling menonjol dan bahkan paling populer adalah mudhârabah. Tujuan penelitian ini adalah, pertama, untuk mengetahui konsep teoritis tentang prinsip keadilan dan akad mudharabah dan kedua, untuk mengetahui penerapan prinsip keadilan dalam akad mudharabah di lembaga keuangan syariah. Metode pendekatan yang digunakan dalam penelitian ini adalah yuridis normatif dengan sifat penelitian deskriptif analisis. Jenis data yang digunakan dalam penelitian ini adalah jenis data primer dan sekunder. Penelitian ini digolongkan kepada jenis penelitian kualitiatif. Hasil penelitian menunjukan bahwa (1) Aristoteles membedakan keadilan itu menjadi 2 macam:,pertama, keadilan distributif; dan kedua, keadilan kumulatif. Mudhârabah adalah kerja sama antara pemilik dana atau penanam modal dan pengelola modal untuk melakukan usaha tertentu dengan pembagian keuntungan berdasarkan nisbah; (2) prinsip keadilan yang dapat diterapkan dalam akad mudharabah pada lembaga keuangan syariah. Kata Kunci: Prinsip Keadilan, Lembaga Keuangan Syariah Abstract I n the Islamic financial institutions have introduced several financial instruments in lieu of interest instruments. The instrument is an instrument that emphasizes the principle of profit sharing (profit and loss sharing). Profits earned and losses to be borne jointly by the parties to a transaction.
Abstract. This research is motivated by the practice of buying and selling defective goods with discount gimmicks carried out by convection business actors in Kampung Gamis, where the seller does not inform the buyer regarding the condition of the product. This is certainly detrimental to consumers and sellers themselves. The purpose of this study is to determine the practice of buying and selling and to find out a review of Islamic business ethics on buying and selling defective goods with discount gimmicks carried out by convection business actors in Kampung Gamis. The method used in this research is descriptive qualitative and field research with data sources are primary data and secondary data. The results of the research on the practice of buying and selling defective goods with a discount gimmick carried out by convection business actors in Kampung Gamis when selling defective goods dishonestly to buyers, causing losses to consumers and creating bad relationships, it can be concluded that this buying and selling practice is not in accordance with the principle Islamic business ethics which are Shiddiq (honesty), Amanah (trustworthy), Tabligh (communicate the clarity of buying and selling) and selling good quality goods and building good relationships with colleagues. Abstrak. Penelitian ini dilatar belakangi dengan adanya parktik jual beli defective goods (barang cacat) dengan gimmick diskon yang dilakukan oleh pelaku usaha konveksi di Kampung Gamis, dimana penjual tidak menginfokan kepada pembeli terkait kondisi produknya. Hal ini tentunya merugikan konsumen dan penjualnya sendiri. Tujuan penelitian ini untuk mengetahui praktik jual beli dan mengetahui tinjauan etika bisnis islam pada jual beli defective goods (barang cacat) dengan gimmick diskon yang dilakukan oleh pelaku usaha konveksi di Kampung Gamis. Metode yang digunakan dalam penelitian ini ialah kualitatif diskriptif dan pengumpulan data menggunakan lapangan (field research) dengan sumber data adalah data primer dan data sekunder. Hasil penelitian pada praktik jual beli defective goods (barang cacat) dengan gimmick diskon yang dilakukan oleh pelaku usaha konveksi di Kampung Gamis ketika menjual barang cacat tidak jujur kepada pembeli sehingga menyebabkan kerugian kepada konsumen serta terciptanya hubungan tidak baik, maka dapat disimpulkan praktik jual beli ini tidak sesuai dengan prinsip etika bisnis Islam, yaitu shiddiq, Amanah, tabligh serta menjual barang yang baik mutunya dan membangun hubungan baik dengan kolega.
Background: SMEs have made a major contribution to the national economy, but Pandemic covid-19 made the decline of SMEs which directly affected the economy in Indonesia. The purpose of this research focus to explore the innovation of business models the novelty of the research model in the business model of innovation research models is to include the variable self-efficacy. This research emphasizes self-efficacy and Islamic financial literacy as independent variables, business model innovation as an intermediate model and business performance variables as dependent variables, with the focus of research on SMEs. Methods: This quantitative study uses partial least square structural equation modeling (PLS-SEM) and a questionnaire survey to analyze the 40 Street Vendors which is categorized as SMEs around Unisba. In the initial stages, the Questionnaire was tested with the Validity and Reliability test. In the PLS-SEM analysis, the validity of the indicators / items forming latent variables is based on the significance value of t arithmetic obtained from the loading factor value divided by the standard error. After being collected, the data is then processed and analyzed. The analytical method used in this study is the simultaneous equation model, namely Partial Least Square (PLS). The statistical tool used to test the hypothesis is Smart PLS. Results: The results showed that self-efficacy and Islamic financial literacy through business model innovation, had a positive effect on SMEs business performance simultaneously or partially. Conclusion: So that by having good self-efficacy and good Islamic financial literacy plus an appropriate business innovation model, it will improve the business performance of SMEs.
The purpose of this study is to calculate the effect of increasing bank profitability if there is ijarah income. with the methodology used is descriptive and data collection at the Bank .While the analysis of the data used is simple linear regression analysis . So, from this study can be seen that Ijarah income was instrumental to the profitability of the Bank Jabar Banten
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