伊斯兰教学生融资风险管理:比较研究

E. Susilo, Abdul Hakim
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引用次数: 2

摘要

本文分析了监管体系对BMT Beringharjo(以下简称BMTB)和BPRS Madina(以下简称BPRSM)财务风险管理应用的影响。据了解,bmt受到合作部的松散监管和监督,而bpr则受到印度尼西亚银行的高度监管和监督。本文采用定性分析的方法,发现BMT的融资组织需要改进,因为董事和经理是同一个人。尽管缺乏在线系统来协调分支机构,但融资程序运行良好。本文还发现,BPRSM符合BI制定的融资程序。BPRSM中的融资组织也运作良好,从高层到员工都是如此。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
MANAJEMEN RESIKO PEMBIAYAAN DI BAITUL MAAL WA TAMWIL DAN BANK PEMBIAYAAN RAKYAT SYARIAH: SEBUAH STUDI PERBANDINGAN
This paper analyzes the impact of regulation and supervision system on the application of financial risk management in BMT Beringharjo (hereafter BMTB) and BPRS Madina (hereafter BPRSM). As understood, BMTs are loosely regulated and supervised by the Department of Cooperation, while BPRs are highly regulated and supervised by Bank Indonesia. Using a qualitative method, this paper finds that the financing organization in BMT needs improvement as the director and the manager are the same person. The financing procedure works well despite the lack of online system to coordinate branch offices. The paper also finds that BPRSM complies the financing procedure made by BI. The financing organization in BPRSM also works well, from the top commisariate to the employees level.
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