Financial Distress Dengan Model Altman Dan Springate

<p><em>Islamic Banking in Indonesia is faced with increasingly fierce competition with conventional banking. The low market share, the low literacy and the limited asset or human resources are the problems of islamic banking in Indonesia. Islamic Banking needs to asses the health of its...

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Autores principales:	Firda Nosita, Jumriaty Jusman
Formato:	article
Lenguaje:	ID
Publicado:	Universitas Muhammadiyah Sumatera Utara 2019
Materias:	financial distress, islamic banking, indonesia, altman z-score, springate s-score Management. Industrial management HD28-70 Business HF5001-6182
Acceso en línea:	https://doaj.org/article/4743781d7a344a68975199fc9b768f1a
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spelling	oai:doaj.org-article:4743781d7a344a68975199fc9b768f1a2021-11-05T05:03:36ZFinancial Distress Dengan Model Altman Dan Springate1693-76192580-417010.30596/jimb.v20i2.3120https://doaj.org/article/4743781d7a344a68975199fc9b768f1a2019-11-01T00:00:00Zhttp://jurnal.umsu.ac.id/index.php/mbisnis/article/view/3120https://doaj.org/toc/1693-7619https://doaj.org/toc/2580-4170<p><em>Islamic Banking in Indonesia is faced with increasingly fierce competition with conventional banking. The low market share, the low literacy and the limited asset or human resources are the problems of islamic banking in Indonesia. Islamic Banking needs to asses the health of its business in order to measure how strong they can survive amid the e-business and fintech era nowadays. The study measure the financial health of the national foreign exchange Islamic banks consisting of four banks using the Altman Z-Score and Springate S-Score methods. The data obtained from financial report and use the ratios to calculate the score. By using Altman Z-Score, four of bank namely BNI Syariah, Bank Mega Syariah, Bank Muamalat and Bank Syariah Mandiri are in the “safe” zone. While, by using Springate S-Score, Bank Muamalat tend to be has financial distress with an S-Score value below of 0,862. The financial distress is strongly influenced by the amount of sales, profits, asset management and the level of Non Performing Financing (NPF). Islamic banking need to develop the product and service innovation and also improvement in financing management. In addition, islamic banking is also required to expand its market share by utilizing information and technology to be able to compete with conventional banking.</em></p>Firda NositaJumriaty JusmanUniversitas Muhammadiyah Sumatera Utaraarticlefinancial distress, islamic banking, indonesia, altman z-score, springate s-scoreManagement. Industrial managementHD28-70BusinessHF5001-6182IDJurnal Ilmiah Manajemen dan Bisnis, Vol 20, Iss 2, Pp 66-81 (2019)
institution	DOAJ
collection	DOAJ
language	ID
topic	financial distress, islamic banking, indonesia, altman z-score, springate s-score Management. Industrial management HD28-70 Business HF5001-6182
spellingShingle	financial distress, islamic banking, indonesia, altman z-score, springate s-score Management. Industrial management HD28-70 Business HF5001-6182 Firda Nosita Jumriaty Jusman Financial Distress Dengan Model Altman Dan Springate
description	<p><em>Islamic Banking in Indonesia is faced with increasingly fierce competition with conventional banking. The low market share, the low literacy and the limited asset or human resources are the problems of islamic banking in Indonesia. Islamic Banking needs to asses the health of its business in order to measure how strong they can survive amid the e-business and fintech era nowadays. The study measure the financial health of the national foreign exchange Islamic banks consisting of four banks using the Altman Z-Score and Springate S-Score methods. The data obtained from financial report and use the ratios to calculate the score. By using Altman Z-Score, four of bank namely BNI Syariah, Bank Mega Syariah, Bank Muamalat and Bank Syariah Mandiri are in the “safe” zone. While, by using Springate S-Score, Bank Muamalat tend to be has financial distress with an S-Score value below of 0,862. The financial distress is strongly influenced by the amount of sales, profits, asset management and the level of Non Performing Financing (NPF). Islamic banking need to develop the product and service innovation and also improvement in financing management. In addition, islamic banking is also required to expand its market share by utilizing information and technology to be able to compete with conventional banking.</em></p>
format	article
author	Firda Nosita Jumriaty Jusman
author_facet	Firda Nosita Jumriaty Jusman
author_sort	Firda Nosita
title	Financial Distress Dengan Model Altman Dan Springate
title_short	Financial Distress Dengan Model Altman Dan Springate
title_full	Financial Distress Dengan Model Altman Dan Springate
title_fullStr	Financial Distress Dengan Model Altman Dan Springate
title_full_unstemmed	Financial Distress Dengan Model Altman Dan Springate
title_sort	financial distress dengan model altman dan springate
publisher	Universitas Muhammadiyah Sumatera Utara
publishDate	2019
url	https://doaj.org/article/4743781d7a344a68975199fc9b768f1a
work_keys_str_mv	AT firdanosita financialdistressdenganmodelaltmandanspringate AT jumriatyjusman financialdistressdenganmodelaltmandanspringate
_version_	1718444526108934144

Financial Distress Dengan Model Altman Dan Springate

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