Bank Panin Research Articles

Implementasi Strategi Penanganan Pembiayaan Bermasalah di Bank Panin Dubai Syariah Surabaya

This study examines how the strategy for handling non-performing financing at Bank Panin Dubai Syariah KCU Surabaya. The analysis method used is qualitative descriptive using a case study approach. Data collection techniques include observation and interviews. The results of the study show that in handling problematic financing, there are two divisions involved in rescue and settlement efforts for customers who experience payment problems. The Business Division (front end) is responsible for rescuing customers who are experiencing payment problems with a delay of less than 90 days by offering strategies such as installment repayment, rescheduling, reconditioning, and restructuring. Meanwhile, if the customer is late in paying more than 90 days from the due date, the handling of the customer will be taken over by the Special Asset Management Division (back end) by taking actions such as total repayment, voluntary surrender, and auction.

Konvergensi Bank dan Ketahanan Bank terhadap Pandemi

Book bank 4 is the bank with the largest number of assets and controls more than half of the banking market in Indonesia. Since the early 2000s BUKU 4 bank is an exclusive club consisting of the 4 largest banks in Indonesia. This changed in 2017 when CIMB Niaga bank entered BUKU 4 bank and a year later Panin bank joined. This study examines what factors underlie these banks can merge into a BUKU 4 bank. Further this research then examines the resilience of BUKU 4 banks to the pandemic. The research method is a quantitative method using multiple linear regression. The research uses data taken from the financial statements of 2010 to 2018. The results show that the factors that drive the convergence of banks are the factors of capital adequacy, low borrowing loans and operational efficiency of banking. Meanwhile, in order for banks to survive this research finds investment factors in technology, maintaining capital adequacy and unpaid debt management.

Analysis of Banking Contracts from a Civil Law Perspective (Case Study on the Implementation of Debtor's Rights and Obligations in Banking Contracts at Panin Bank)

Analysis of Banking Contracts from a Civil Law Perspective (Case Study on the Implementation of Debtor's Rights and Obligations in Banking Contracts at Panin Bank)

Implementasi CNN-BiLSTM untuk Prediksi Harga Saham Bank Syariah di Indonesia

Stock price forecasting plays a crucial role in stock investment. Accuracy in predicting stock prices can provide significant financial benefits and help reduce investment risks. Stock price data are time series with high-frequency characteristics, non-linearity, and long memory, which makes stock price prediction a complex challenge. This research proposes a method for predicting the stock prices of Islamic banks in Indonesia using CNN-BiLSTM. This method aims to improve prediction accuracy by utilizing the feature extraction capabilities of CNN and the ability of BiLSTM to understand the temporal sequences of stock data. The data used in this research are the closing stock prices of Bank Syariah Indonesia (BSI), Bank Tabungan Pensiunan Negara Syariah (BTPN Syariah), and Bank Panin Dubai Syariah (PDSB) from January 2, 2020, to July 4, 2024. Testing these three stocks yielded MAPE values of 2.376%, 2.092%, and 0.629%, respectively. The study results show that the CNN-BiLSTM prediction model produced has very good accuracy in predicting stock prices.

Pengaruh Profitabilitas dan Likuiditas Terhadap Zakat Perusahaan Pada Bank Umum Syariah di Indonesia

This research aims to determine the influence of profitability and liquidity on corporate zakat (Islamic almsgiving) for Islamic Commercial Banks in the period of 2021-2023 in Indonesia. The population of this study consists of Islamic Commercial Banks operating in Indonesia. The research employs purposive sampling as the sampling method. After selection, the sample includes four Islamic Commercial Banks: Bank Muamalat Indonesia, Bank Syariah Indonesia, Bank Mega Syariah, and Bank Panin Dubai Syariah. This research follows a quantitative approach using multiple regression analysis, and the analysis is conducted using SPSS. The research results indicate that the profitability variables, proxied by Return On Equity (ROE) and the Operating Expenses to Operating Income Ratio (BOPO), and the liquidity variable, proxied by Financing to Deposit Ratio (FDR), collectively have a positive and significant impact on corporate zakat. In partial testing, the Profitability variable, which is proxied by Return On Equity (ROE), has a significant positive influence on the company's zakat expenditure, while the Operating Costs, Operating Income (BOPO) has no effect on the company's zakat expenditure, and the Liquidity variable, which is proxied by the Financing to Deposit Ratio. (FDR) has a significant negative effect on company zakat expenditure. This explains how the profitability and liquidity of Islamic banks can affect their social obligations in paying corporate zakat, which is an important aspect of the Islamic economy in Indonesia.

The Influence of Economic Value Added (EVA), Market Value Added (MVA) And Company Value On Stock Prices PT. Bank Panin Dubai Syariah

Share price is an indicator of the success of running a company. When a company's share price rises, investors believe the company is successful in managing its business. If share prices continue to fall, it means the company has not succeeded in increasing its company value. This research aims to determine the influence of each variable Economic Value Added (EVA), Market Value Added (MVA), and Company Value on the share price of PT. Bank Panin Dubai Syariah both partially and simultaneously. This research is quantitative research with a correlational approach (correlation), the research data source is secondary data in the form of financial reports and share prices of the company PT. Bank Panin Dubai Syariah quarter 2014-2021. Data hypothesis testing in this study uses multiple linear regression tests. Data analysis includes classical assumption tests, multiple regression analysis, F tests and T tests. The results of the research reveal that the Economic Value Added (EVA) variable has a significant and negative effect on stock prices, EVA produces value negative, indicating that the company's performance and ability to generate wealth have not been achieved for the company and investors. The Market Value Added (MVA) variable has no significant and negative effect on stock prices. MVA produces a negative value which indicates that the company's main goal of increasing shareholder wealth has not been achieved. Meanwhile, the company value variable (PBV) produces a significant and positive value which indicates the share price is below 1, which means the share price is undervalued or relatively cheap.

The Effect of Net Profit and Net Cash Flow on Market Capitalization (Case Study of Sharia Banking Companies at the Indonesia Stock Exchange 2019–2022 Period)

Capital market players or investors will consider several elements that can indicate the state of the company, such as examining financial reports from cash flow to profit and loss statements. In addition, the company's share price will ultimately be related to its market capitalization value. The profits obtained by investors will increase along with the increase in stock market capitalization, and the greater the appreciation, the higher the level of profit from an alternative investment. This study aims to determine the effect of net income and net cash flow on market capitalization. Secondary data in the form of Sharia Banking quarterly financial reports that have been listed on the Indonesia Stock Exchange (IDX) for 2019-2022 is the source of the data. Three samples for this research sample were obtained, namely Bank Panin Dubai Syariah (PNBS), Sharia National Pension Savings Bank (BTPS), and Bank Syariah Indonesia (BSI). Panel data regression analysis with the Eviews 12 program was used in this study. The results show that partially net income has a negative and insignificant impact while net cash flow has a positive and significant impact on market capitalization. Meanwhile, market capitalization is simultaneously influenced by net profit and net cash flow variables.

Pengaruh Capital Adequacy Ratio, Intellectual Capital, dan Financial Non Distress Terhadap Sustainable Growth Rate pada Bank Umum Syar’iah Indonesia Periode 2020-2022

This research was conducted to see the effect of the influence Sustainble Growth Rate, Capital Adequacy Ratio (CAR), Intellectual Capital (IC) dan Financial Non Distress of Sharia Commersial Bank. The population used in this study is the financial statements of Sharia Commersial Bank. While the sample was taken from the financial statements of Bank Syariah Indonesia, Bank Aladin Syariah, BTPN Syariah and Bank Panin Syariah 2020 - 2022 using the sampling technique used was purposive sampling. The results of this study indicate that Capital Adequacy Ratio (CAR) has a significant effect on Sustainble Growth Rate this is based on the results of the t test - T count <T table or 0.700 < 1.68023, a significant value of 0.488 > 0.050 then partially has a insignificant not effect between that Capital Adequacy Ratio (CAR) against Sustainble Growth Rate. Intellectual Capital (IC) has a significant effect on Sustainble Growth Rate this is based on the results of the t test - T count <T table or 0.1360 < 1.68023, a significant value of 0.181 > 0.050then partially has a insignificant not effect between that Intellectual Capital (IC) against Sustainble Growth Rate. Financial Non Distress has a significant effect on Sustainble Growth Rate this is based on the results of the t test - T count > T table or 3.673 > 1.68023, a significant value of 0. 0.001 > 0.050 then partially has a insignificant effect between that Financial Non Distress against Sustainble Growth Rate. Based on the results of the f test, the value of Fcount is greater than Ftable or 9.429 > 2.90. Then, seen from the esults, the significant value is 0.000 < 0.050. Thus Ho is accepted (Ha is rejected). Based on these results, it shows that there is a negative and insignificant effect between , Capital Adequacy Ratio (CAR), Intellectual Capital (IC) and Financial Non Distress in deciding the Sustainble Growth Rate.

Analisis Tingkat Kesehatan Bank dengan Menggunakan Metode Profil Risiko, Tata Kelola Syariah, Laba Usaha, Permodalan Pada Bank Umum Syariah yang Terdaftar di BEI Periode 2019-2021

The aim of this research is to assess the health level of Islamic Banks listed on the Indonesia Stock Exchange, utilizing the risk profile, Sharia governance, profitability, and capital method. Purposive sampling with specific criteria was employed as the sampling technique. The findings indicate that using the RGEC method, it predicts that two Islamic banks assessed are in a healthy condition. In 2019, Bank Panin Dubai Syariah achieved a composite score of 82.85%, categorized as healthy. In 2020, it obtained a composite score of 80%, maintaining a healthy category, and in 2021, it secured a composite score of 80%, sustaining a healthy categorization. As for Bank Syariah Indonesia, it is consistently deemed in very healthy condition. In 2019, it obtained a composite score of 91.42%, signifying excellent health. In 2020, it achieved a composite score of 94.28%, maintaining its very healthy status, and in 2021, it attained a composite score of 97.14%, indicating sustained excellent health.

Profit-Sharing Practices to Increase Profits and Development of Indonesian Sharia Banking

Objective: The purpose to be achieved in this writing is to achieve what are the factors of grants in Islamic banks regulated by law and also to study how the performance of Islamic banks in the profit-sharing system is carried out according to the views of existing Islamic law. The performance in question is not only financial performance that will be measured and researched but also a performance by measuring profit or profit and will analyze profit but also measured sharia maqasid so that the bank has management performance by the operational conditions of Islamic banks that will use Islamic law. Method: This research uses quantitative methods by analyzing the financial statements of Islamic banks from 2012 to 2023. This data is taken from the annual financial report and calculated using the Islamic maqashid model index with quadrant analysis measurement. In this case, we can know the performance of Islamic banks in terms of finance. Result: The results of this study show that the best bank performance is BRI Syariah Bank. In contrast, the bank that has the best performance according to Sharia Maqasid is BNI Syariah Bank. In contrast, banks that have good performance are Jateng Sharia Bank, Mandiri Syariah Bank, Panin Bank Syariah, and BCA Syariah. Conclusion: It can be concluded that this study shows that the best bank performance is BRI Sharia Bank while the bank that has the best performance according to sharia maqasid is BNI Sharia Bank while banks that have good performance are Bank Jateng Syariah, Bank Syariah Indonesia, Bank Panin, Bank BCA Syariah, and so on. Thus this research is carried out hopefully can provide new enlightenment for all, including the next researcher, and banking actors in Indonesia.

Pengaruh Faktor Internal Dan Faktor Eksternal Terhadap Non Performing Financing (NPF) Pada Pembiayaan Bank Umum Syariah

This research aims to analyze the influence of internal factors and external factors of Sharia Commercial Banks on the NPF for murabahah financing, NPF for musyarakah financing, NPF for mudharabah financing, NPF for ijarah financing, NPF for istishna financing, and NPF for qardh financing. The research method used is quantitative research using secondary data from Bank Muamalat Indonesia, Bank BCA Syariah, Bank Panin Syariah, Bank Bukopin Syariah, Bank Mega Syariah, and Bank Victoria Syariah, all of which are the results of financial reports published by the OJK during the quarterly period. 1 of 2013 to the fourth quarter of 2022. The results of this research are that internal factors and external factors have an influence on NPF in murabahah, musyarakah and istishna financing in sharia commercial banks. Meanwhile, the NPF for mudharabah, ijarah and qardh financing is not influenced by internal and external factors in Islamic commercial banks.

Profit-Sharing Practices To Increase Profits And Development of Indonesian Sharia Banking

Objective: The purpose to be achieved in this writing is to achieve what are the factors of grants in Islamic banks regulated by law and also to study how the performance of Islamic banks in the profit-sharing system is carried out according to the views of existing Islamic law. The performance in question is not only financial performance that will be measured and researched but also a performance by measuring profit or profit and will analyze profit but also measured sharia maqasid so that the bank has management performance by the operational conditions of Islamic banks that will use Islamic law.
 
 Method: This research uses quantitative methods by analyzing the financial statements of Islamic banks from 2012 to 2023. This data is taken from the annual financial report and calculated using the Islamic maqashid model index with quadrant analysis measurement. In this case, we can know the performance of Islamic banks in terms of finance.
 
 Result: The results of this study show that the best bank performance is BRI Syariah Bank. In contrast, the bank that has the best performance according to Sharia Maqasid is BNI Syariah Bank. In contrast, banks that have good performance are Jateng Sharia Bank, Mandiri Syariah Bank, Panin Bank Syariah, and BCA Syariah.
 
 Conclusion: It can be concluded that this study shows that the best bank performance is BRI Sharia Bank while the bank that has the best performance according to sharia maqasid is BNI Sharia Bank while banks that have good performance are Bank Jateng Syariah, Bank Syariah Indonesia, Bank Panin, Bank BCA Syariah, and so on. Thus this research is carried out hopefully can provide new enlightenment for all, including the next researcher, and banking actors in Indonesia.

The Impact of Market Risk and Credit Risk on the Profitability of Islamic Bank: A Case Study on Panin Dubai Syariah 2014 to 2021

Market risk and credit risk play a central role in destabilizing company stability. Market risk manifests when the value of investments declines due to a decrease in market value, while credit risk arises when funds allocated by the bank to customers are not repaid according to the loan agreement. This study aims to explore the impact of market risk and credit risk on financial performance, applying an Associative-based Quantitative Method. The data used are quarterly secondary data from Bank Panin Dubai Syariah from 2014 to 2021. The sampling technique used is saturation sampling, given the relatively small population, with a total sample of 32. The analytical tests involve Descriptive Statistical Analysis, Classical Assumption Tests, Multiple Regression Analysis, T-Test, F-Test, and Determination Coefficients. The research findings show that, partially, Market Risk (NOM) has a significant influence on Financial Performance (ROA), while Credit Risk (NPF) does not have a significant impact on Financial Performance (ROA). However, simultaneously, both Market Risk (NOM) and Credit Risk (NPF) significantly influence Financial Performance (ROA)

The Influence of Public Ownership and Company Size on Timeliness Corporate Internet Reporting at PT. Bank Panin Dubai Syariah Tbk Year 2017-2020

To find out and analyze the extent of public ownership as indicated by the percentage of shares circulating among the general public and the size of the company using the benchmark of total assets owned by the company at the time of Internet company reporting, this research was conducted at PT. Bank Panin Dubai Syariah Tbk between 2017 and 2020. This research uses quantitative methodology combined with descriptive strategies. This can be seen from the official website of the Indonesian Stock Exchange during the reporting period. The PT's quarterly, annual, and annual financial reports are the data sources used in this research. With a total of eighteen analysis units, Bank Panin Dubai Syariah Tbk data for 2017–2020 was obtained from the Indonesian Stock Exchange website. The research results show that there is no significant influence between public ownership and company size on timeliness of corporate internet reporting with a significance value of 0.502.

The Implementation of Telemarketing Strategy on Refinancing Products in Bank Panin Dubai Syariah Malang

This study aims to find out how Bank Panin Dubai Syariah Malang Branch formulates telemarketing strategies to determine which customers have the potential to refinance by looking at existing customer data. Islamic banking must have an effective, efficient, and measurable marketing strategy to dominate market segments and have appeal to consumers, and compete with other banks including conventional banks. The methodology used in this study was qualitative and used observation and interview methods to obtain data. The results showed that Telemarketing is a method of marketing over the phone to increase customers. Telemarketing in providing financing products to customers at Bank Panin Dubai Syariah is carried out with the provisions set by the Head Office of Bank Panin Dubai. With this type of Outbound Telemarketing, a long-term relationship with the consumer or customer increases value for both parties. Refinancing through Telemarketing may be binding under an oral agreement.

The influence of financial performance on profitability of sharia commercial banks in Indonesia using the CAMEL method

IntroductionResearch on Islamic commercial banks in Indonesia have been extensively conducted, with a focus on banks in general and large banks. However, research specifically targeting medium-sized banks, namely PT Bank Muamalat Indonesia, PT Bank Mega Syariah, PT Bank Panin Dubai Syariah, PT Bank BCA Syariah, and PT Bank KB Bukopin Syariah, is still limited.ObjectivesThis study aims to examine the influence of the financial performance of Islamic banks on their profitability using the CAMEL indicator.MethodThis research is quantitative with a correlational approach. The population in this study consists of 12 Islamic commercial banks in Indonesia, with 5 of them selected as samples. The sampling technique used is purposive sampling. The study utilizes secondary data from quarterly financial ratio reports of Islamic banks published by the Financial Services Authority (OJK). The analysis involves evaluating the impact of CAR, NPF, NOM, BOPO, and FDR on ROA using multiple linear regression analysis.ResultsThe findings indicate that, partially, CAR and NPF do not significantly affect the ROA of Islamic banks. However, NOM, BOPO, and FDR have a significant impact on the ROA of Islamic banks.Implicationsthe research motivates Islamic bank management to improve their financial ratios to meet the health criteria set by Bank Indonesia (BI) and OJK. Maintaining healthy financial ratios has implications for the level of trust that customers and potential customers have in Islamic banks and ultimately determines the long-term existence of these banks.Originality/NoveltyThis study contributes to the development of risk management theory by examining the factors influencing the fluctuations in the values of CAR, NPF, NOM, BOPO, and FDR on the ROA of Islamic banks.

ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK UMUM SYARIAH DENGAN METODE ISLAMICITY PERFORMANCE INDEX DAN MARKET VALUE ADDED

This study aims to analyze the comparison of the financial performance of Islamic Commercial Banks using the Islamicity Performance Index (IPI) and Market Value Added (MVA) methods. The study period covers the years 2018-2021. This research employs a quantitative method with a descriptive approach. The study population includes all Islamic Commercial Banks registered with the Financial Services Authority (OJK) during 2018-2021. The sampling technique used is purposive sampling, resulting in three Islamic Commercial Banks listed on the Indonesia Stock Exchange. The data analysis method involves descriptive analysis and using the Cartesian Diagram of IPI and MVA to determine the position of the Islamic Commercial Banks. The results of this study show that there are four quadrants in the Cartesian diagram, but only two quadrants are occupied by Islamic Commercial Banks. Firstly, Quadrant I, or the Upper Left Quadrant (ULQ), is occupied by Bank Tabungan Pensiunan Negara Syariah (BTPNS) and Bank Syariah Indonesia (BSI), indicating that these two banks have high Market Value Added (MVA) but low Islamicity Performance Index (IPI). Secondly, Quadrant IV, or the Lower Right Quadrant (LRQ), is occupied by Bank Panin Dubai Syariah, indicating that this bank has a high Islamicity Performance Index (IPI) but a low Market Value Added (MVA). Meanwhile, no banks occupy Quadrant II or the Lower Left Quadrant (LLQ) and Quadrant III or the Upper Right Quadrant (URQ), indicating that no banks have both low IPI and MVA or both high IPI and MVA.

IMPLEMENTATION OF MUSHARAKAH CONTRACT IN FINANCING PRODUCTS WORKING CAPITAL AT BANK PANIN DUBAI SYARIAH BRANCH MAKASSAR

The development of the Islamic finance industry continues to experience good the choice of Islamic financial products is increasingly diverse. Sharia bank financing products consist of buying and selling, leasing, and profit-sharing schemes. Financing in Islamic banks is still dominated by consumptive financing with Murabaha contracts. Islamic banks have financing products with profit-sharing schemes that can be used for productive financing. This study aims to describe the application of musyarakah contracts in working capital financing at Bank Panin Dubai Syariah Branch Makassar. As well as outlining the application of the musyarakah contract in conformity with sharia principles. The research method used is qualitative research with field research, related to musyarakah contract financing for working capital at Bank Panin Dubai Syariah Makassar. The data sources used are primary data, data obtained directly by interviews, and secondary data from data previously presented. Data collection techniques by direct interviews with parties related to musyarakah financing and through documentation from several relevant sources. The data analysis technique used is descriptive qualitative which describes the application of musyarakah contracts in working capital financing at Bank Panin Dubai Syariah. The study results show that applying a musyarakah contract for working capital is adjusted to the type of business owned by the customer. Financing intended for a project provided that both the bank and the customer contribute capital to run a business project with profits divided according to the capital contribution portion (nisbah). The application of the musyarakah contract for working capital financing at Bank Panin Dubai Syariah branch Makassar is by Sharia principles.

Pengaruh Return on Equity, Current Ratio dan Firm Size Terhadap Financial Distress Bank Syariah Non BUMN yang terdaftar di BEI periode 2015-2021

The bank is a company engaged in the financial sector. Banks function as a forum for public finances that can save and maintain their finances, in a bank must have a vision and mission which includes getting a lot of profit so that the company continues to run and does not experience financial distress. Financial Distress is a condition experienced by an issuer prior to bankruptcy which is marked by a decline in the financial performance of that issuer. This research was conducted to discuss the factors that influence the occurrence of financial distress at Bank Panin Dubai Syariah, Bank Aladin Syariah, Bank BTPN Syariah and Bank Muamalat Indonesia for the 2015-2021 period. This research is a quantitative study using panel data regression and hypothesis testing with the EViews 10 application. The results showed that there was no effect on profitability and liquidity on financial distress, but there was influence of company size on predictions of financial distress for the 2015-2021 period.

Pengaruh Umur Listing dan Ukuran Perusahaan terhadap Ketepatan Waktu Corporate Internet Reporting (CSR) pada PT Bank Panin Dubai Syariah Tbk Tahun 2019-2022

The purpose of this research is to find out and analyze 1) the influence of listing age on Corporate Internet Reporting (CIR) timeliness 2) company size influence on Corporate Internet Reporting (CIR) timeliness 3) listing age and company size influence accuracy Corporate Internet Reporting (CIR) time at PT. Bank Panin Dubai Syariah Tbk in 2019-2022. The research method in this thesis uses a descriptive method with a quantitative approach. Statistical test tools used include multiple linear regression analysis, analysis of the coefficient of determination, and hypothesis testing using t-test and f-test analysis. the processed data is quarterly financial report data, annual financial reports, and annual reports of PT. Bank Panin Dubai Syariah Tbk in 2019-2022. The results of this study state that: 1) The age of the listing has an R Square value of 0.089, this indicates that 0.089 or 8.9% of corporate internet reporting timeliness can be described by the listing age variable, 2) Company size has an R Squere value of 0.227 , this shows that 0.227 or 22.7% timeliness of corporate internet reporting can be described by company size variables, 3) Listing age and company size have an R Squere value of 0.333, this shows that 0.333 or 33.3% timeliness corporate internet reporting can be explained by the variable age of listing and company size.