Yazar "Utami, Wiwik" seçeneğine göre listele

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    Bad debt issues in Islamic bank: macro and micro influencing (Indonesia cases)
    (İstanbul Ticaret Üniversitesi, 2018) Soekapdjo, Soeharjoto; Nugroho, Lucky; Badawi, Ahmad; Utami, Wiwik
    The research aims to test the influence of the variables affecting Non-Performing Financing (NPF) in this case is Financing Debt Ratio (FDR), Capital Adequacy Ratio (CAR), Operational Expense Ratio against Operation Income (BOPO), Exchange Rate, Inflation and Real National Income (PDBR). The data analysis method used in this study is multiple regression. Regression analysis method, in addition to measuring the strength of the relationship between two or more variables, also shows the direction of the relationship between the dependent variable with the independent variable The result of processing obtained from the value of R2 adjusted equal to 0,362 which means variation or behavior of independent variable that is FDR, CAR, BOPO, Kurs, Inflation, and PDRB able to explain variations or the behavior of the dependent variable that is NPF equal to 36,2%. The rest is equal to 63,8% are variations or actions of other independent variables that affect the NPF but are not included in the model.
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    Corporate culture and financial risk management in Islamıc social enterprises (Indonesia evidence)
    (İstanbul Ticaret Üniversitesi, 2018) Nugroho, Lucky; Utami, Wiwik; Sanusi, Zuraidah Muhammad; Setiyawati, Hari
    This research aims to investigate the implementation of corporate culture and financial risk management in Islamic social enterprises. The methodology in this research is qualitative descriptive that using manager self-assessment questioner in Islamic social enterprises. The sample in this research is 24 respondents from the total 100 respondents that we distribute in Jakarta and Java Island. The results are financial risk management has an average score above 80 that reflect it has implemented well in Islamic social enterprises but for corporate culture still need improvement implementation
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    Islamic banking capital challenges to increase business expansion (Indonesia cases)
    (İstanbul Ticaret Üniversitesi, 2017) Nugroho, Lucky; Utami, Wiwik; Doktorlina, Caturida Meiwanto; Soekapdjo, Soeharjoto; Husnadi, Tengku Chandra
    In the case of Indonesia regarding capital sources in Islamic Banks, all Islamic Banks are subsidiaries of Conventional Banks (except Bank Muamalat). Bank Syariah Mandiri which is the only Islamic Bank that meets capital ownership with Business Category Bank Level III (BUKU III) is also a subsidiary of Bank Mandiri (conventional bank). In the same way, conventional banks become essential to meet the capital requirement to improve the business of Islamic Bank. This article aims to determine the role of capital and operating profit for business expansion (financing) in Bank Syariah Mandiri. The method used is the quantitative method by using statistical tool STATA version 13. The result of regression test is known that capital and profit have a significant influence in increasing financing expansion in Islamic Bank. Also, the price of the number of bad debts causes the lack of public confidence in the Islamic bank. The alternative to increasing the capital and public trust is government policies to support Islamic bank become independent.