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Journal articles on the topic 'Qualitative assessment of the bank's profit'

Author: Grafiati

Published: 28 May 2022

Last updated: 31 July 2025

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1

Mandron, V., and M. Bashlakova. "The liquidation of credit institutions: quantitative and qualitative analysis." Bulletin of Science and Practice 4, no. 8 (2018): 162–68. https://doi.org/10.5281/zenodo.1345209.

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Investment operations in the stock market are a priority area for increasing the bank’s profits. Investment banking includes activities on raising capital using capital market instruments with the objective of capital appreciation. The article describes the investment objectives of banks to improve their profitability, financial stability and enhance the efficiency of the whole. The main tools that allow banks to achieve the appropriate goals: profit, risk diversification, liquidity maintenance. The composition and structure of the bank’s investments in debt and

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2

Pamungkas, Restu Putri, and Istutik Istutik. "PENGARUH EFEKTIVITAS PENGENDALIAN INTERN, ASIMETRI INFORMASI DAN KESESUAIAN KOMPENSASI TERHADAP KECENDERUNGAN KECURANGAN AKUNTANSI (Studi Empiris Kantor Pusat Bank Perkreditan Rakyat Di Kota dan Kabupaten Malang)." Adbis: Jurnal Administrasi dan Bisnis 13, no. 1 (2019): 11. http://dx.doi.org/10.33795/j-adbis.v13i1.60.

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The research aims to examine the effect of the effectiveness of internal control on trends in accounting fraud, examine the effect of information asymmetry on trends in accounting fraud, examine the effect of compensation appropriateness on accounting fraud trends. Qualitative research was carried out through in-depth surveys and interviews with the management of Islamic banks in Malang, customers, and academics about the need for an internal control system that is in accordance with the characteristics of Islamic banks. The development of an internal control system using the COSO (Commi

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Rombe, Yusuf. "The Analysis of Financial Statements Performance: Case Studies PT. Bank Negara Indonesia (Persero)." Golden Ratio of Finance Management 1, no. 2 (2021): 87–100. http://dx.doi.org/10.52970/grfm.v1i2.53.

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The objectiveness of this study is to determine the level of growth in financial performance at PT. BNI (Persero) Tbk; starts from period 2013 to 2015. This assessment is carried out to determine how the bank's financial performance in the last few periods will be and what the conditions will be like in the coming period (forecast). That this will be useful in describing how financial performance has a vital role in a bank's business continuity so that in this study use descriptive qualitative approach. The result of this study is the growth in the financial performance is increasing from a li

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4

Octavia, Evi, Ait Novatiani, Rima Rachmawati, and Che Rosmawati Che Mat. "An Assessment of Banking Performance: The Balanced Scorecard Approach." Jurnal Ilmiah Akuntansi 9, no. 2 (2025): 809–22. https://doi.org/10.23887/jia.v9i2.84625.

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There is a need to explore the effectiveness and comprehensive implementation of the Balanced Scorecard in improving banking performance, particularly considering the unique challenges of regulatory influence and sector-specific dynamics. This research aims to measure the performance of Bank Panin, which is motivated by a decline in net profit, profit before tax, and negative third-party funds. The study employs a Descriptive Qualitative approach using Balanced Scorecard measurements. The research focuses on four perspectives: 1) learning and growth, 2) customer, 3) internal business processes

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Sana, Rhoudri, and Benazzou Lotfi. "Predictive Factors of Withdrawal Behavior among Profit-Sharing Investment Depositors in Morocco: A Qualitative Study from the Perspective of Push-Pull-Mooring Framework." International Journal of Accounting, Finance, Auditing, Management and Economics 2, no. 4 (2021): 480–97. https://doi.org/10.5281/zenodo.5148361.

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The main purpose of this study is to examine the determinants of deposit withdrawal behavior amongst profit-sharing deposit account holders. Based on the Push-Pull-Mooring theory, a qualitative study was conducted, with fifteen personal interviews undertaken with profit-sharing investment depositors selected from three participatory banks using a purposive sampling technique. Assessment of the predictive factors determining deposit withdrawal behavior resulted in three categories. The push factors were found to be, in order of decreasing frequency: (1) Sharia non-compliance risk, (2) lower rat

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Komarudin, Parman, Hendra Hadi, and Muhammad Sodiki. "Produktive Financing Problems in Islamic Banks, (Research at Universities in Indonesia : A Systematic Literature Review Analysis)." Al-Insyiroh: Jurnal Studi Keislaman 9, no. 1 (2023): 168–209. http://dx.doi.org/10.35309/alinsyiroh.v9i1.230.

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This research is a systematic literature review study that aims to find out the extent of research conducted by students in Indonesia regarding the Problems of Productive Financing in Islamic Banks with an emphasis on preparing final assignments such as Theses and Dissertations. The method used consists of three stages, namely collection, assessment, and presentation. The results of this study indicate that there are 16 final assignments that address the problem of Productive Financing Problems in Islamic Banks in universities throughout Indonesia. The writing of this final project has been st

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Komarudin, Parman, Hendra Hadi, and Muhammad Sodiki. "Produktive Financing Problems in Islamic Banks, (Research at Universities in Indonesia : A Systematic Literature Review Analysis)." Al-Insyiroh: Jurnal Studi Keislaman 9, no. 1 (2023): 168–209. http://dx.doi.org/10.35309/alinsyiroh.v9i1.6483.

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This research is a systematic literature review study that aims to find out the extent of research conducted by students in Indonesia regarding the Problems of Productive Financing in Islamic Banks with an emphasis on preparing final assignments such as Theses and Dissertations. The method used consists of three stages, namely collection, assessment, and presentation. The results of this study indicate that there are 16 final assignments that address the problem of Productive Financing Problems in Islamic Banks in universities throughout Indonesia. The writing of this final project has been st

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8

Bachrul, Ulum, Eko Sujianto Agus, and Nurohman Dede. "Islamicity Cultural Performance Index (ICPI) in increasing customer trust in KSPP syariah BMT NU East of Java Indonesia." World Journal of Advanced Research and Reviews 21, no. 3 (2024): 1719–27. https://doi.org/10.5281/zenodo.14147438.

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The development of Islamic financial institutions in Indonesia, notably in East Java, has seen significant growth, particularly with the rise of Islamic Commercial Banks (BUS) and Islamic Business Units (UUS) within conventional financial institutions. The study focuses on assessing the performance of East Java BMT NU Sharia KSPP using the Islamic Cultural Performance Index (ICPI) to enhance customer trust. Employing qualitative methods with descriptive analysis, the research evaluates financial performance from 2017 to 2021. It utilizes the Islamic Performance Index (IPI) approach, examining

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9

Svítil, Martin. "The Use of Qualitative Indicators in Banking Rating Systems." Financial Assets and Investing 9, no. 2 (2019): 19–41. http://dx.doi.org/10.5817/fai2018-2-2.

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The article compares internal rating systems of three banks from the German-speaking region, continuing with last year's research. In this paper a detailed analysis of qualitative indicators (soft - facts) is made. These qualitative indicators, as one of the two main components of banking rating systems have the wage of between 30% and 50% of the overall rating score. This makes this part of rating certainly important enough to be further researched. The research is focused on the rating of business entities, more precisely the corporate, (especially limited liability companies or joint-stock

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10

Fadhilah Hanum Lubis, Sigid Eko Pramono, and Saiful Anwar. "Income Smoothing Use Financing Loss Provision In Indonesia And Malaysia’s Islamic Banks." International Journal of Science, Technology & Management 2, no. 1 (2021): 127–44. http://dx.doi.org/10.46729/ijstm.v2i1.152.

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Rapid development of Islamic banks leads to the requirement to compete in order to show the best performance. Performance assessment can be seen from the profit information. Income smoothing through the use of Financing Loss Provision (FLP) is one method that can be applied in Islamic banking in an attempt to get income based on their goals. This research aims to investigate income smoothing practice by using FLP at both Indonesia and Malaysia’s Islamic banks by applying mixed-method approach. In this regard, quantitive method was used to measure panel regression by using Eviews in order to an

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11

Mushira, Doreen, Dr Daniel Wanyoike, Dr James Kahiri, and Dr Allan Mugambi. "Effect of System on Post-Merger and Acquisition Performance of Commercial Banks in Kenya." International Journal of Research and Innovation in Social Science VIII, no. IX (2024): 1158–81. http://dx.doi.org/10.47772/ijriss.2024.809098.

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This study examines the effect of System on post-merger and acquisition (M&A) performance of commercial banks in Kenya, using the McKinsey 7S model as a framework. System, serving as the independent variable, is operationalized through knowledge mapping and assessment, knowledge transfer and retention, and continuous improvement. Post-M&A integration, the moderating variable, is measured by the degree and rate of integration. The study is anchored on the Resource-Based View and Universalistic Best Practices theories. Out of the 38 commercial banks in Kenya, 29 have undergone M&As.

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12

Tu, Long, Zeran Yan, and Huayan Liu. "Concrete Concept of Business English." Journal of Theory and Practice of Social Science 3, no. 9 (2023): 21–30. http://dx.doi.org/10.53469/jtpss.2023.03(09).04.

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Usually, business English mainly refers to the product of the combination of business and English. This subject includes the language application knowledge in all the aspect of business world in order to make sure the smooth going of all parts of business operation. Not only English language knowledge is needed, but also all the knowledge and abilities related to the business. The establishment of this risk assessment system solves the previous risk assessment of enterprises by Banks, which is mainly based on qualitative analysis and less on quantitative analysis, thus leading to the insuffici

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13

Мансурова, Юлия Талгатовна, Полина Андреевна Туктарова, and Тагир Валерьевич Мансуров. "EFFICIENCY EVALUATION OF THE INTERNATIONAL FACTORING OPERATION FOR A COMMERCIAL BANK." Информационные и математические технологии в науке и управлении, no. 3(23) (November 8, 2021): 117–28. http://dx.doi.org/10.38028/esi.2021.23.3.010.

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Для принятия решения о внедрении международного факторинга в пакет экспортно-импортных услуг банка необходимо рассчитать экономический эффект этого мероприятия. Для этого в работе были рассмотрены модели оценки эффективности внедрения факторинга для банка, позволяющие, имея основные данные по планируемой факторинговой операции и предприятию-заемщику, оценить эффективность кредитования для банка, что позволит снизить риск потерь банка от неэффективных операций. Достижению максимального эффекта (получению идеально максимальной прибыли) на протяжении всей операции препятствуют целый ряд рисков, с

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14

Sannoh, Idrissa, Haja Isata Fofanah, Mohamed Syed Fofanah, and Saidu Bah. "Effect of Inflation on the Savings Mobilization Potential of Commercial Banks in Sierra Leone. A Case Study of the Rokel Commercial Bank." Journal of Banking and Financial Dynamics 9, no. 3 (2025): 10–15. https://doi.org/10.55220/25766821.v9.433.

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The economy in Sierra Leone is characterized by a perpetual inflationary trend. Inflation is a critical concern for a stable financial system in business entities. As a result of inflation and the poor financial performance of business entities in Sierra Leone, the non-performing loan (NPL) indicator exceeds the tolerable limit, which negatively impacts the profitability of banks. The destructive consequences of inflation are untold. For instance, the financial liberalization theory agrees that inflation results in macroeconomic disability. The aim of the study is to help optimize the local sa

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15

Ilma, Muhammad Akbar. "Sustainable Finance: Customer Loyalty or green environment?" International Journal of Contemporary Accounting 2, no. 2 (2020): 155. http://dx.doi.org/10.25105/ijca.v2i2.8316.

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<p><strong>Abstract:</strong> The purpose of this research is to see how the Indonesian bankers in response to OJK roadmap (Financial Services Authority) about sustainable finance. Sustainable financing has several interpretations that are understood differently by every banker. Sustainable finance that explain by OJK is financing for eco-friendly product such as forestry and peat land, energy and transportation, and agricultural. Banks encourage to have healthy or green lifestyle in bank such as drink in a tumbler compared to plastic glass or bottle. On the other hand bank a

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16

Ilham, Nurul Fadillah, Masnawaty S, and Nuraisyiah Nuraisyiah. "ANALISIS PENILAIAN KINERJA KEUANGAN PERUSAHAAN TERHADAP KELAYAKAN MENDAPATKAN KREDIT MODAL KERJA." Jurnal Sains Riset 14, no. 1 (2024): 113–33. http://dx.doi.org/10.47647/jsr.v14i1.2174.

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This research aims to determine the performance assessment of prospective debtor companies regarding the feasibility of obtaining working capital credit by BRI KCP Pettarani. Data collection techniques were carried out by conducting interview techniques, documentation techniques and library techniques. The data analysis technique was carried out using qualitative data analysis, namely collecting the data needed in this research, through interviews and documentation. As well as quantitative data analysis using calculations using formulas in analyzing the compa|ny's financial performance and cal

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17

Nyangori, Wilfred Makori, and Fredrick. W.S Ndede Dr. "Credit Risk Management and Level of Non Performing Loans in Commercial Banks in Kenya." International Journal of Trend in Scientific Research and Development 2, no. 4 (2018): 1306–23. https://doi.org/10.31142/ijtsrd14296.

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The management of non performing loan has been a major challenge facing financial institutions especially commercial banks. According to the Central Bank of Kenya Bank Supervision Annual Report 2014, Non performing loans increased by 32.4 per cent to Kshs. 108.3 billion in December 2014 from Kshs. 81.8 billion in December 2013. However, the ratio of gross NPLs to gross loans increased marginally from 5.2 per cent to 5.6 per cent in December 2014. The ratio for total loans to total assets of the banking sector for the quarter ended 30th September 2015 was 62.68 a slight increase from 61.38 repo

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18

Riezdita, Ayunda, and Riska Lisnawati. "Analisis Kriteria Penentuan Bagi Hasil Kerjasama antara Bank Syariah dengan Financial Technology sektor P2P Lending." Journal Islamic Banking 1, no. 2 (2021): 68–72. https://doi.org/10.51675/jib.v1i2.363.

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Abstract: This study aims to analyze the profit-sharing scheme used by Islamic Banks in collaboration with P2P Landing. Using a qualitative approach and literature study method, it was found that one of the P2P landing institutions used a mudharabah contract in collaboration with Islamic banks. Profit sharing is determined by determining the bank's expected rate of return and the level of expected return of fund users. The bank's expected rate of return is determined based on the estimate of the expected return of the fund provider, the estimated overhead cost, the estimated level of risk, and

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19

Gospodarchuk, Galina, and Ekaterina Suchkova. "Financial stability: problems of inter-level and cross-sectoral equilibrium." Equilibrium 14, no. 1 (2019): 53–79. http://dx.doi.org/10.24136/eq.2019.003.

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Research background: As part of the creation of an effective mechanism for managing financial stability, the tasks of providing an inter-level and cross-sectoral financial equilibrium remain unresolved. So far, clear and unambiguous criteria for financial stability have not been formulated, with which monetary and prudential policies could be related, as well as measures to minimize systemic and individual risks. The problem of creating a system of indicators comes to the fore, allowing the creation of new effective instruments for regulation of financial flows that contribute to the preventio

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20

Mushira, Doreen, Dr Daniel Wanyoike, Dr James Kahiri, and Dr Allan Mugambi. "Effect of Style on Post-Merger and Acquisition Performance of Commercial Banks in Kenya." International Journal of Research and Innovation in Social Science VIII, no. IX (2024): 1648–75. http://dx.doi.org/10.47772/ijriss.2024.8090136.

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Based on the McKinsey 7S Framework, this study was undertaken to assess the effect of Style on post-Merger and Acquisition (M&A) performance of commercial banks in Kenya. The independent variable of the study is Style, operationalized through change communication, post-M&A change management, and post-M&A leadership. Post-M&A integration, the moderating variable, is measured by the degree and rate of integration. This study is anchored on the Three-step change, Resource Based View, and Universalistic Best Practice theories. The Kenyan commercial banking sector has 38 registered

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21

Arkadeva, Olga G., and Mariya A. Petrova. "Assessment of the Investment Attractiveness of VTB Bank Shares." Oeconomia et Jus, no. 4 (December 25, 2024): 15–32. https://doi.org/10.47026/2499-9636-2024-4-15-32.

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The study of VTB Bank's investment attractiveness is undoubtedly relevant due to the fact that deterioration of the geopolitical situation, the bank's inclusion in the sanctions list, as well as tightening of the monetary policy of the Bank of Russia, a pronounced weakening of the national currency had a negative impact on the activities of this commercial bank, the second most important for the Russian banking system, and in 2022 it received a record the loss; in addition, the bank's equity was significantly affected. In 2023, VTB Bank's operations began to recover, and in 2024, the bank carr

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22

Samanto, Hadi, and Nurul Hidayah. "Analisis Penilaian Tingkat Kesehatan Bank dengan Metode RGEC Pada PT Bank BRI Syariah (Persero) 2013-2018." Jurnal Ilmiah Ekonomi Islam 6, no. 3 (2020): 709. http://dx.doi.org/10.29040/jiei.v6i3.1479.

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The purpose of this research is to determine the influence of the four aspects of RGEC on the assessment of the bank's health level at PT Bank Rakyat Indonesia Syariah. This research uses RGEC method consisting of risk profile, good corporate governace, earning and capital. The sampling techniques in this study used saturated sample methods. And the sample used in this study is the financial statements of PT. Bank BRI Syariah from 2013 to 2018. As one of the sharia public banks in Indonesia, BRI Syariah Tbk bank must maintain the bank's health level in the following years in order to maintain

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23

Protas, N., and M. Koshelev. "Assessment of the formation of liabilities and their management in a credit institution." Siberian Financial School, no. 4 (December 10, 2021): 79–91. http://dx.doi.org/10.34020/1993-4386-2021-4-79-91.

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The article presents the results of the author's research in the field of formation and management of the bank's liabilities. The concepts of bank liabilities and passive operations were formulated by author. The main principles and factors influencing the management of passive operations of banks were identified, which made it possible to identify the need for regular analysis of the bank's activities in the field of formation and management of liabilities. As part of the analysis of existing approaches and methods for assessing the bank's liabilities, the key requirements that an effective m

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Hidayati, Nur, and Yeni Purwitosari. "PENGARUH TINGKAT KESEHATAN BANK TERHADAP PERTUMBUHAN LABA." Jurnal Ilmu Manajemen (JIMMU) 5, no. 1 (2020): 68. http://dx.doi.org/10.33474/jimmu.v5i1.6725.

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The profit growth can be used as a measure of achievement of a bank in the assessment of bank performance. This can be achieved if the level of health of banks consisting Capital Adequacy Ratio, Assets Quality, Net Interest Margin, Return on Assets, Loan to Deposit Ratio and Interest Risk Ratio in accordance with the standards set by the government. For this study aims to assess how the influence of the bank to profit growth, particularly private banks non-foreign national 2013-2014 period amounting to 23 banks. By using hypothesis testing found that the Return On Asset and Loan to Deposit Rat

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25

Rahman, Holilur, and Rif’atul Hasanah. "Analisis Sistem Bagi Hasil Produk Mudarabah pada Pembiayaan Modal Usaha Bank Syariah (Studi Kasus BPRS Bhakti Sumekar Kantor Cabang Pragaan)." Multiverse: Open Multidisciplinary Journal 2, no. 1 (2023): 105–12. http://dx.doi.org/10.57251/multiverse.v2i1.986.

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Business capital financing is a financial product offered by banks to support the growth and expansion of customer businesses. Customers or financed parties are required to repay the funds or bills within a specified period, in exchange for profit sharing. This study focuses on the profit sharing system in business capital financing products at BPRS Bhakti Sumekar Pragaan branch office, particularly examining its compliance with Islamic business ethics. Using qualitative field research, the study employed interviews with the branch office's leadership and accounting officers as the primary dat

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26

Kasih, Santi Yulia, and Rizal Fahlefi. "Saving Dan Investasi Dalam Produk Mudharabah Pada Lembaga Keuangan Syariah Analisis Komparatif Dengan Produk Konvensional." Al-bank: Journal of Islamic Banking and Finance 4, no. 2 (2024): 182. http://dx.doi.org/10.31958/ab.v4i2.13179.

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This research aims to determine the application of saving and investment inIslamic financial institutions and their comparison with conventional institutions. The method used in this research is qualitative research with an in-depth interview approach. In-depth interview approach. The results showed that saving products at LKS. LKS offers mudharabah savings, wadiah savings, and sharia current accounts with profits for customers calculated based on the profit-sharing ratio proportionally from the profit-sharing ratio. proportionally from bank's operating profit in accordance with the initial ag

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27

SOLOVEI, Nadiia, and Ihor SKRYPNYCHENKO. "Problems of qualitative evaluation of commercial bank loan." Economics. Finances. Law, no. 1/2 (January 31, 2020): 15–19. http://dx.doi.org/10.37634/efp.2020.1(2).3.

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The article defines the nature of the loan portfolio, as well as the problems in the assessment and analysis of the commercial bank loan portfolio. In order to improve the existing credit portfolio of the bank, the dynamics, categories of the borrower ratio and the quality of the loan portfolio are analyzed, based on the obtained data, significant factors influencing the formation and management of the analyzed bank's loan portfolio are determined. Generation of a loan portfolio is usually subject to issuance of loans with maximum yield on the same terms. The profitability of a loan transactio

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28

KITAEVA, Zhanna S. "Economic analysis in the context of controlling the diversification of bank resource sources." International Accounting 28, no. 6 (2025): 93–107. https://doi.org/10.24891/ohjvvy.

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Subject. This article analyzes the diversification of funding sources for bank resources, which can be viewed as a procedure for internal control of the bank's resilience to external risks. Objectives. The article aims to develop an analytical methodology for assessing the structure, stability, and qualitative characteristics of financial sources of bank resources. Methods. For the study, I used systems and comprehensive approaches, methods of economic analysis, and statistical methods. Results. Based on the assessment of the diversification of funding sources for financial institutions, the a

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Putri Tika, Tri. "Determinants оf Profitability оf the Islamic Banking Industry in Indonesia". Modern Economics 31, № 1 (2022): 124–34. http://dx.doi.org/10.31521/modecon.v31(2022)-17.

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Abstract. Introduction. The indicator in the assessment of banking performance is the bank's ability to generate profits or profitability. Profitability is the bank's ability to generate profits from its capital and assets. The level of effectiveness of the bank in seeking or earning a profit can be seen from the income of an investment obtained from the sale or the banks' performance to earn a profit by measuring the level of profitability ratios in seeking profit. Purpose. This study aims to analyze the performance of Islamic banking in terms of profitability and the influence of Bank Size,

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Goodland, Robert J. A. "Environmental Priorities for Financing Institutions." Environmental Conservation 19, no. 1 (1992): 9–21. http://dx.doi.org/10.1017/s0376892900030204.

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The reasons which recently forced the World Bank into environmental improvements are discussed, so that other financial institutions can profit from this experience. The reasons include due recognition that environmental abuse is constraining economic development, that environmental damage has now assumed massive proportions, and that such abuse is intensifying. The electorates of the World Bank's industrial shareholding nations began to pressure their representatives. Advocates of the poor, and of people affected by environmentally-bungled development projects, joined forces with environmenta

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31

Qomar, Moh Nurul, and Anissatus Salamah. "Analysis of Mahada Cooperative System in Relation to Hatta Cooperative and Shariah Cooperative Concept." El-Qist: Journal of Islamic Economics and Business (JIEB) 11, no. 2 (2021): 182–96. http://dx.doi.org/10.15642/elqist.2021.11.2.182-196.

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The proliferation of cooperatives in the community has become a phenomenon. This phenomenon can be classified into positive and negative side. Positive feedback can be seen from public access to capital, as it has been demonstrated that cooperatives provide business loans or consumption to the community through a mechanism that is simpler than banks. A negative assessment can be seen in the practice of loan sharks operating under the guise of saving and loan cooperative. This is in contrast to previous research, which still focuses on comparing the concept of Hatta cooperatives with the Islami

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Oktaviani, Nurul Rizka, and Selamet Riyadi. "Pengaruh Non Performing Financing, Financing to Deposit Ratio, dan Capital Adequacy Ratio terhadap Tingkat Bagi Hasil Deposito Mudharabah." Jurnal Ilmu Manajemen 10, no. 2 (2021): 123. http://dx.doi.org/10.32502/jimn.v10i2.3260.

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This study aims to analyze the effect of Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), and Capital Adequacy Ratio (CAR) on the profit sharing rate of mudharabah deposits at Bank Syariah Mandiri 2010-2019. The data used in this study are data from the complete annual financial reports for 2010-2019. The analysis technique used in this research is multiple regression analysis. The results showed that partially the Non Performing Financing (NPF) and the Financing to Deposit Ratio (FDR) had no effect on the profit sharing rate of mudharabah deposits. Meanwhile, the Capital Adeq

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Agustina, Ellys, and Panji Jiblathar. "Analisis Tingkat Kesehatan Bank dengan Menggunakan Metode CAMELS pada PT. Bank Pembangunan Daerah Jambi Periode 2015-2019." Mathematical Sciences and Applications Journal 4, no. 1 (2023): 21–32. http://dx.doi.org/10.22437/msa.v4i1.28304.

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The structured and integrated management of economic resources has a significant impact on a nation's economic growth. Banks, as crucial financial institutions, play a pivotal role in the stewardship of these economic resources. This article delves into an analysis of the banking health level using the CAMELS method for PT. Bank Pembangunan Daerah Jambi during the period from 2015 to 2019. The CAMELS method is employed to evaluate the bank's health across various indicators, encompassing Capital, Asset Quality, Management, Earnings, Liquidity, and Sensitivity to Market Risk. This assessment ho

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Pratama, Shinta, and Husni Shabri. "Analisis Tingkat Kesehatan Bank Nagari Syariah Menggunakan Metode RGEC." Al-bank: Journal of Islamic Banking and Finance 4, no. 2 (2024): 196. http://dx.doi.org/10.31958/ab.v4i2.13196.

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The purpose of this study was to measure the health level of Bank Nagari Syariah using the RGEC method. The research method used is descriptive quantitative method. The data collection technique used is documentation. The data analysis technique uses ratio analysis contained in the assessment of the bank's health level using the RGEC method. The results showed that the health level of Bank Nagari Syariah in 2017-2022 was in a good rating. In 2017-2018, the Financing to Debt Ratio was in an unhealthy state. But in 2019-2022 the bank has been able to improve its performance. The Net Performing F

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Kubakh, Tetiana, Viktoriia Koilo, and Alyona Efimenko. "USE OF TAXONOMIC ANALYSIS IN ASSESSING BANK LIQUIDITY." Socio-economic relations in the digital society 2, no. 48 (2023): 38–49. http://dx.doi.org/10.55643/ser.2.48.2023.492.

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Given the military actions that increase economic and financial threats in Ukraine, one of the main tasks for ensuring the stable functioning of the banking system is to ensure the liquidity of the bank. Successful implementation of this issue depends on an efficient, systematic, comprehensive assessment of liquidity indicators in order to make effective management decisions to balance the bank's assets and liabilities by terms and amounts. The world practice has developed a powerful toolkit for assessing bank liquidity, while the challenges of today require diversification of approaches to ad

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Rustan, Fadhliyah Ulfah, Sitti Jamilah Amin, and Syahriyah Semaun. "RESPON PEGAWAI IAIN PAREPARE TERHADAP PRODUK PEMBIAYAAN BANK SYARIAH." BANCO: Jurnal Manajemen dan Perbankan Syariah 1, no. 1 (2019): 69–92. http://dx.doi.org/10.35905/banco.v1i1.702.

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Response is interpreted as a response, reaction and answer. A response will appear from receiving the message after a series of communications. Financing is one of the bank's main tasks, namely the provision of funds provision facilities to meet the needs of the parties which constitute a unit deficit. Employee response is used in this case to find out how much employees respond well or are interested in financing Islamic banks. This research is descriptive qualitative using a phenomenology approach. Therefore, the authors chose to use qualitative research methods to determine how to search, c

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Hong, Nguyen Thi Phuong. "Factors affecting the financial reporting quality in commercial banks: Evidence in Vietnam." International Journal of Applied Economics, Finance and Accounting 19, no. 2 (2024): 271–83. http://dx.doi.org/10.33094/ijaefa.v19i2.1699.

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The research aims to investigate the factors affecting the financial reporting quality (FRQ) of Vietnam’s commercial banks. These factors include board size, board independence, bank size, operating time, and the bank’s profit. The data for this study were collected from financial reports and annual reports of Vietnamese joint-stock commercial banks for the period 2019-2022. The author made a comparison of 3 models-Pooled Ordinary Least Square (Pooled OLS), Rem Effects Model (REM), and Fixed Effects Model (FEM) to select the best model. The results indicated that FEM was the most appropriate m

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Novitasari, Ramadhanti Dwi, and Anita Handayani. "Navigating NPLs: Financial Health Analysis of BPR Bank Gresik." INNOVATION RESEARCH JOURNAL 4, no. 2 (2023): 132. http://dx.doi.org/10.30587/innovation.v4i2.6879.

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The Regional Public Bank (BPR) Bank Gresik plays a crucial role in supporting small businesses in rural communities and economically vulnerable groups in urban areas through the provision of credit loans. Credit, as the primary productive asset, serves as the main source of income for the bank. However, credit disbursement also entails credit risk, which can lead to the occurrence of non-performing loans. This research aims to identify the handling of non-performing loans and its impact on profit growth at Bank Gresik. The research methodology employed is descriptive with a qualitative approac

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Tarissa Seshita Hadi and R. Yuniardi Rusdianto. "Mekanisme Penilaian Pemberian Kredit Dalam Meminimalisir Risiko Kredit Pada Bank BJB KCP Mojokerto." Journal of Management and Social Sciences 3, no. 1 (2024): 47–58. http://dx.doi.org/10.55606/jimas.v3i1.971.

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Bank BJB KCP Mojokerto which is located on Jl Majapahit No. 333C-333D, Kranggan, Mojokerto City is one of the banks that provides credit facilities for the public. This research aims to determine the credit assessment mechanism of Bank BJB KCP Mojokerto in minimizing credit risk. This research uses qualitative methods with observation, interview and documentation techniques. The research results show that bank BJB KCP Mojokerto has implemented good credit assessment using the 5C principles with character and capacity as the bank's main assessment in minimizing credit risk. This research sugges

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Mohsin, AKM, and Hongzhen Lei. "A study on the impact of risk and competition on bank profitability in Bangladesh." North American Academic Research 2, no. 8 (2019): 1–40. https://doi.org/10.5281/zenodo.3359666.

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<strong><em>Abstract</em></strong> <em>Born in 1971, Bangladesh witnessed a phenomenal growth in banking industry since the liberalization policy was introduced in 1980s. Before the liberalization policy, there were only four domestic banks (Sonali Bank, Pubali Bank, Rupali Bank, and Janata Bank) in Bangladesh and they were nationalized. There were only three foreign banks.However, there was no private bank. As a result, there was no competition in the banking industry of Bangladesh. The banking market was highly concentrated and dominated by four nationalized banks. The profitability of banks

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ZAITSEV, Sergei V., Arina B. ALIBEKOVA, Anastasiya D. KOROTENKOVA, and Sofiya S. SHISHKINA. "Risk Assessment under Conditions of Uncertainty for Profit in the Banking Sphere: The PAO Sberbank Case." Finance and Credit 27, no. 8 (2021): 1828–51. http://dx.doi.org/10.24891/fc.27.8.1828.

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Subject. The article considers the economic relationship between the banking sector and the population. Objectives. We focus on theoretical and empirical analysis of the activities of PAO Sberbank, identifying threats and measures to minimize any damage to the banking organization. Methods. The study rests on the analysis of data provided by PAO Sberbank on its official website. Our calculation of indicators bases on these data. The main methods employed are expert assessments, the method of threshold values of the main threats to economic security. Results. We performed a horizontal and verti

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BISHNOI, Ishu, and Narinder Singh MALLIK. "India’s Banking Market Structure: Impact Assessment of Bank Consolidation." Eurasian Journal of Business and Economics 17, no. 33 (2024): 113–31. http://dx.doi.org/10.17015/ejbe.2024.033.06.

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The present study aims to extend the existing literature on measuring competition by including recent bank consolidation in India. Unlike existing literature, the study goes in-depth to account for the asymmetric behavior of bank competition owing to ownership, size, scale, efficiency, and pre/post-global financial crisis. The study takes the unbalanced panel data of Indian banks from 1995-2021 and utilizes the nonstructural approaches- Lerner Index, PRH statistic, and Boone Indicators to measure the bank competition. The study finds the asymmetric level of competition across ownership, size,

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Al, Farid Hazwin, Nurnasrina Nurnasrina, and Syahfawi Syahfawi. "Penilaian Kesehatan Bank Syariah." JAAMTER : Jurnal Audit Akuntansi Manajemen Terintegrasi 1, no. 4 (2023): 254–63. https://doi.org/10.5281/zenodo.10446214.

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This writing discusses the health assessment of Sharia Banks. The legal basis for regulating the health assessment of Sharia Banks (BUS and BPRS) refers to the regulations of the Law, PP, PBI, POJK, and BI, as well as OJK circulars. The article explains the RGEC assessment of Sharia Banks, using a qualitative approach with a literature study research design. This writing presents a literature review of various sources related to assessing the health of Sharia Banks, the legal basis of BUS and BPRS, and RGEC. The discussion explains that bank health assessment reflects the bank's performance an

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Shirobokova, Margarita A. "DETERMINATION OF THE LOAN PORTFOLIO ON THE BASIS OF CALCULATION OF THE BANK'S OWN CAPITAL PROFITABILITY USING THE CREDIT RISK ASSESSMENT MODEL." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 2, no. 1 (2022): 51–56. http://dx.doi.org/10.36871/ek.up.p.r.2022.01.02.008.

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According to the requirements of the regulator, banks must assess the risk of the borrower, and for this purpose, such risk assessment is more often carried out using the construction of scoring models. The scoring model, which allows borrowers to be ranked according to their individual risk of ultimate losses, is often the basis for building a loan portfolio. However, this approach does not consider financial indicators. The approach proposed earlier [9] made it possible to find such a portfolio of loans that would satisfy the initial restriction on both risk and return on capital, depending

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Octaviani, Irma, and Annisa Fithria. "The Implementation of the Accounting Standard (Psak 405) For Mudharabah Financing: A Study on BPD DIY Syariah." Kunuz: Journal of Islamic Banking and Finance 4, no. 1 (2024): 82–95. https://doi.org/10.30984/kunuz.v4i1.1091.

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Indonesia, as a predominantly Muslim country with 87.1% of its population adhering to Islam, has seen significant growth in Islamic financial institutions, including banks and cooperatives. These institutions adhere to Sharia principles, replacing interest-based systems with profit-sharing mechanisms. This study focuses on BPD DIY Syariah, a Sharia Business Unit of BPD DIY, and examines its implementation of mudharabah financing accounting in accordance with PSAK 405. Using qualitative methods, including interviews and document analysis, the research highlights the alignment of BPD DIY Syariah

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Федотова, М. Ю., О. А. Тагирова, А. В. Носов, and О. В. Новичкова. "4.3. THE ROLE OF ANALYSIS OF THE PROPERTY SITUATION OF A COMMERCIAL BANK IN THE STRATEGIC MANAGEMENT OF ITS FINANCE." Audit and Financial Analysis, no. 2 (June 30, 2021): 66–72. http://dx.doi.org/10.38097/afa.2021.42.94.038.

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В статье дана характеристика различных видов финансовых ресурсов коммерческих банков. Проведена оценка имущественного положения КБ «Ренессанс Кредит (ООО) и сделан вывод, что валюта его баланса имеет положительную тенденцию, в структуре активов банка преобладают кредиты клиентам, в структуре пассивов – средства клиентов. Увеличение качественных показателей свидетельствует о повышении эффективности использования имущества банка. Для дальнейшего улучшения стратегического управления финансами банка рекомендовано осуществить выпуск в обращение кобрендинговых карт «Ренессанс Кредит-МегаФон» и «Рене

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GLOTOVA, I. I., E. P. TOMILINA, and S. A. BUKHANTSOV. "DEVELOPMENT OF A COMPREHENSIVE METHOD FOR EVALUATING THE ACTIVITIES OF A COMMERCIAL BANK." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 2, no. 10 (2020): 11–18. http://dx.doi.org/10.36871/ek.up.p.r.2020.10.02.002.

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A large number of economists are engaged in the problem of assessing the activities of commercial banks, but not all methods objectively reflect the picture of the bank's performance in the absence of a number of important quantitative and qualitative characteristics in them. The integrated methodology for assessing the activities of a commercial bank obtained during the research is able to eliminate the imbalance between the interests of potential users of the assessment results and contributes to the development of practical recommendations of a point nature without a time lag and a gap betw

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Ismartono, Ismartono. "Non-Usury Business Model in Islamic Banking Practice (Waqf, Profit and Loss Sharing, Zakat)." Jurnal Manajemen 14, no. 1 (2023): 72. http://dx.doi.org/10.32832/jm-uika.v14i1.9785.

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<p><strong><em>One of the concepts that can be offered to solve the problem of the global economic crisis is the Islamic economic system, the application of which is integrated into the existing economic system. The Islamic Finance Institution in Indonesia has a great opportunity to be developed. Profit and Loss Sharing (PLS) can be used as an alternative solution to replace the interest system. The purpose of this study is to discuss the islamic banking practice model with capital from waqf, with PLS operational system, and followed with charity zakat activities. The writing

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Pramana Putra, Dewa Putu Wisnu, and Henny Rahyuda. "PENGARUH NIM, LDR, NPL, BOPO TERHADAP ROA PADA BANK UMUM SWASTA NASIONAL DEVISA DI INDONESIA." E-Jurnal Manajemen Universitas Udayana 10, no. 11 (2021): 1181. http://dx.doi.org/10.24843/ejmunud.2021.v10.i11.p07.

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Banks are financial institutions that are required to generate profit in order to carry out their functions. Profitability assessment uses Return on Assets (ROA), when the ROA is higher, the greater is the bank's ability to generate profits. This study aims to analyze effect of NIM (Net Interest Margin), LDR (Loan to Deposit Ratio), NPL (Non Performing Loan), and BOPO (Operational Income Operational Costs) on ROA at national foreign exchange private commercial banks (BUSN) in Indonesia. The research conducted at foreign exchange BUSNs in Indonesia registered in OJK 2015-2019. 135 sample obtaib

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Kovalenko, Victoria, Valeria Kochorba, and Nelya Koval. "STUDY OF THE CURRENT STATE OF THE CREDIT PORTFOLIO OF UKRAINIAN BANKS AND THE EFFICIENCY OF ITS MANAGEMENT." Financial and credit systems: prospects for development, no. 1 (July 26, 2021): 7–16. http://dx.doi.org/10.26565/2786-4995-2021-1-01.

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In conditions of intensified competition, banks, expecting a profit, can place their assets in high-risk instruments, which can lead to loss of liquidity and solvency. The responsibility of the bank's management for the strategic goals of the bank's financial development is growing. Under these circumstances, the role of theoretical and practical aspects of the formation of the bank's financial strategy increases. But it should be remembered that the basis of financial stability and strategic development is the formation of an effective credit policy, which can provide a clear strategy. The st

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