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All Journal Jurnal Konseling dan Pendidikan Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan Jurnal Riset Akuntansi dan Bisnis Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura Dinar: Jurnal Ekonomi dan Keuangan Islam Studia Economica: Jurnal Ekonomi Islam Jurnal Ilmiah Ekonomi Islam Jurnal EMT KITA JURNAL MANAJEMEN MOTIVASI Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Jurnal Riset Pendidikan Ekonomi Journal of Economic, Bussines and Accounting (COSTING) EKONOMIS : Journal of Economics and Business Edukasi Islami: Jurnal Pendidikan Islam SENTRALISASI IKRA-ITH ABDIMAS EQIEN - JURNAL EKONOMI DAN BISNIS JOURNAL OF SCIENCE AND SOCIAL RESEARCH JOURNAL OF APPLIED BUSINESS ADMINISTRATION Journal of Humanities and Social Studies Jurnal Tabarru': Islamic Banking and Finance Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam JESI (Jurnal Ekonomi Syariah Indonesia) MABIS: Manajemen dan Bisnis Amwaluna Jurnal Ekonomi dan Keuangan Syariah Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Review Pendidikan dan Pengajaran (JRPP) Pena Justisia: Media Komunikasi dan Kajian Hukum Jurnal Ilmiah Edunomika (JIE) Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Management Studies and Entrepreneurship Journal (MSEJ) Konfrontasi: Jurnal Kultural, Ekonomi dan Perubahan Sosial Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah BASKARA: Journal of Business and Entrepreneurship Budimas : Jurnal Pengabdian Masyarakat Cakrawala Repositori Imwi Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) International Journal Of Science, Technology & Management (IJSTM) Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Journal Economy And Currency Study (JECS) Quantitative Economics and Management Studies Cita Ekonomika: Jurnal Ilmu Ekonomi INTELEKTIVA Jurnal Investasi Islam El-Mujtama: Jurnal Pengabdian Masyarakat JURNAL MANAJEMEN AKUNTANSI (JUMSI) International Journal of Trends in Accounting Research JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen International Journal of Educational Review, Law And Social Sciences (IJERLAS) Jurnal Ekonomi Journal of Vision and Ideas (VISA) Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Action Research Literate (ARL) Journal of Law, Administration, and Social Science Humantech : Jurnal Ilmiah Multidisiplin Indonesia Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Jurnal Kolaboratif Sains JEKKP (JURNAL EKONOMI, KEUANGAN DAN KEBIJAKAN PUBLIK) International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Jurnal Fokus Manajemen Jurnal Iqtisaduna Indonesian Journal of Innovation Studies EKSYA: Jurnal Ekonomi Syariah Indonesian Journal of Multidisciplinary Science Journal of Social Research AL-MULTAZIM : Jurnal Manajemen Bisnis Syariah Jurnal Manajemen, Bisnis dan Kewirausahaan Jurnal Ilmiah Manajemen, Bisnis dan Kewirausahaan Jurnal Akuntansi, Manajemen dan Bisnis Digital Journal of Management and Business Jurnal Ekonomi dan Kewirausahaan Kreatif Journal of Student Development Informatics Management (JoSDIM) Islamiconomic: Jurnal Ekonomi Islam Balance : Jurnal Akuntansi dan Manajemen Economic Reviews Journal Adl Islamic Economic MES Management Journal el-Amwal Jurnal Ekonomi dan Manajemen (JEKMA) Jurnal Ekonomi, Bisnis dan Manajemen International Journal Of Economics Social And Technology CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis Mumtaz : Jurnal Ekonomi dan Bisnis Islam YASIN: Jurnal Pendidikan dan Sosial Budaya Media Ekonomi Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Expensive: Jurnal Akuntansi dan Keuangan Safari : Jurnal Pengabdian Masyarakat Indonesia Profit: Jurnal Manajemen, Bisnis dan Akuntansi Journal Of Islamic Social Finance Management Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) International Journal of Economics (IJEC) Indonesian Journal of Islamic Economics and Finance Jurnal Akuntansi, Manajemen dan Perbankan Syariah Journal of Islamic Economics Lariba Jurnal Ekonomika Manajemen Dan Bisnis Transformasi: Journal of Economics and Business Management Journal of Business, Social and Technology Mandiri: Jurnal Akuntansi dan Keuangan Moneter : Jurnal Keuangan dan Perbankan Innovative: Journal Of Social Science Research Equivalent: Jurnal Ilmiah Sosial Teknik Amkop Management Accounting Review (AMAR) Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Journal of Management and Creative Business Trending: Jurnal Manajemen dan Ekonomi Jurnal Manajemen Dan Bisnis Ekonomi Jurnal Riset Akuntansi Jurnal Riset Ekonomi dan Akuntansi International Journal of Trends in Accounting Research International Journal of Economic, Technology and Social Sciences (Injects) Maeswara: Jurnal Riset Ilmu Manajemen dan Kewirausahaan Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah At Tasyri'i Jurnal Prodi Perbankan Syariah Jurnal Akademika: Kajian Ilmu-Ilmu Sosial, Humaniora dan Agama Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Sains Student Research Tabsyir: Jurnal Dakwah Dan Sosial Humaniora Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Maslahah: Jurnal Manajemen dan Ekonomi Syariah IIJSE Jurnal Ekonomi Pembangunan dan Pariwisata Neraca Manajemen, Akuntansi, dan Ekonomi Cidea Journal Jurnal Keuangan dan Perbankan Syariah Journal Economic Excellence Ibnu Sina Abdi Masyarakat UIKA Sharia Economic and Management Business Journal (SEMBJ) Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi Moneter : Jurnal Ekonomi dan Keuangan Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi Prosiding Seminar Nasional Hasil Penelitian dan Pengabdian Kepada Masyarakat Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam JURNAL MULTIDISIPLIN ILMU AKADEMIK Jurnal Ekonomi dan Pembangunan Indonesia JURNAL RUMPUN MANAJEMEN DAN EKONOMI JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Ekonomi Keuangan Syariah dan Akuntansi Pajak Jurnal Ekonomi, Akuntansi dan Perpajakan Akuntansi Pajak dan Kebijakan Ekonomi Digital Jurnal Ilmiah Ekonomi, Akuntansi dan Pajak Jurnal Inovasi Ekonomi Syariah dan Akuntansi JER JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Jurnal Bisnis, Ekonomi Syariah dan Pajak ManBiz: Journal of Management and Business Proceeding Of International Conference On Education, Society And Humanity Journal of Ekonomics, Finance, and Management Studies Jurnal Pengabdian Nusantara Jurnal Ekonomi, Manajemen, Akuntansi Ulil Albab Malacca: Journal of Management and Business Development Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan As-Syirkah: Islamic Economic & Financial Journal Women, Education, and Social Welfare International Journal of Economics and Management Research Jurnal Pengabdian Kepada Masyarakat Indonesia Edumaspul: Jurnal Pendidikan Jurnal Manajemen, Bisnis dan Kewirausahaan Fundamental and Applied Management Journal Academia Open Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Journal of Indonesian Management MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan
Zuhrinal M. Nawawi
Universitas Islam Negeri Sumatera Utara
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Medicine & Pharmacology Nursing Public Health Social Sciences Transportation Other

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ANALISIS PERAN KOPERASI SERBA USAHA SYARIAH DALAM PEMBERDAYAAN EKONOMI ANGGOTA KOPERASI SERBA USAHA SYARIAH Siregar, Wardah Hinayah; Nawawi, Zuhrinal M.; Harahap, Rahmat Daim
Humantech : Jurnal Ilmiah Multidisiplin Indonesia Vol. 2 No. 9 (2023): Humantech : Jurnal Ilmiah Multidisiplin Indonesia
Publisher : Program Studi Akuntansi IKOPIN

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk mengetahui strategi, peran, dan hambatan BMT Kube Sejahtera 001 dalam pemberdayaan ekonomi anggota Koperasi Serba Usaha Syariah. Metode penelitian yang digunakan pada penelitian ini adalah Kualitatif deskriptif, dengan metode pengumpulan data yaitu: wawancara, observasi, dokumentasi dan studi pustaka. Hasil penelitian menunjukkan bahwa Strategi yang dilakukan BMT Kube Sejahtera 001 antara lain yaitu melakukan peningkatan bentuk partisipasi kontributif setiap anggota dengan menyediakan sejumlah pemahaman kepada mereka yang berkenaan dengan pentingnya partisipasi dalam koperasi bagi diri sebagai seorang anggota, jujur, transparan, serta memaksimlakan partisipasi insentif. Kedua, meningkatkan sejumlah layanan yang ditujukan langsung pada anggota dan pihak BMT memberikan pembinaan kepada anggotanya dalam hal pemasaran dan memanajemen kuangan. Selanjutnya, peranan BMT Kube Sejahtera 001 dalam rangka memberdayakan ekonomi setiap anggota. Berperan signifikan dalam memaksimalkan pendapatan anggota dengan menyediakan pinjaman modal usaha maupun simpanan tambahan modal. Sedangkan terkait hambatan dalam memberdayakan ekonomi anggota mencakup: pertama, hambatan yang saat ini dihadapi oleh BMT Kube Sejahtera 001 berkaitan dengan masalah kemacetan pada saat tempo pembayaran serta solusi yang dlakukan BMT Kube Sejahtera 001 dalam rangka memberdayakan kualitas ekonomi anggotanya dilakukan lewat pembinaan manajemen keuangan, pendekatan sosial maupun keagamaan.
Analysis of Marketing Strategies in Increasing Sales at Karimah Dimsum in an Islamic Economic Perspective Tamima, Aqila; Nawawi, Zuhrinal M.
AMK : Abdi Masyarakat UIKA Vol. 3 No. 1 (2024): MARET
Publisher : Universitas Ibn Khaldun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/amk.v3i1.2198

Abstract

Islam has a positive attitude towards economic activity. The more Muslims are involved in economic activities, the better if the goals of the process are consistent with Islamic teachings. Becoming an entrepreneur is a solution to the financial problems of Muslims, especially the high poverty rate. The main factors in Micro, Small, and Medium Enterprises (MSMEs) that are of concern are marketing strategy, customer satisfaction, production and distribution, and price changes. This research aims to determine the marketing strategy carried out by one of the strengthening MSMEs in Batu Bara. The research method uses qualitative methods with an approach using qualitative descriptive methods. Data collection techniques using observation, interviews, and documentation to obtain real data in the field of marketing. The analysis techniques used are data reduction, data presentation, and drawing conclusions and verification. The results of this research are that in carrying out the marketing strategy for Dimsum Karimah, which is a pioneer of MSMEs in the Batu Bara area, it uses a marketing mix (Product, Price, Promotion, and Location). The products sold are quality, prices match the quality, promotions with the arrival of the ball, providing testers and social media assistance. And its strategic location. The Islamic marketing strategy is to apply the principle of justice, and the principle of honesty by not comparing the product with other dim sum products, maximum service, and not doing things wrong in setting prices and promotions. In increasing sales of dimsum karimah, namely by maintaining the quality of its products which have been proven to be halal, carrying out promotions assisted by the social media Instagram. It is hoped that the implementation of the marketing strategy can set an example for other MSMEs, not only is margin a priority but good service can make consumers continue to choose Dimsum Karimah as a place to buy snacks in the Batu Bara area.
Development of Islamic Entrepreneurial Spirit Among UINSU Students by Utilizing Digital Technology Azmi, Syahfrilla Al Risa Nurul; Nawawi, Zuhrinal M.
AMK : Abdi Masyarakat UIKA Vol. 3 No. 2 (2024): JUNI
Publisher : Universitas Ibn Khaldun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/amk.v3i2.2190

Abstract

Developing an Islamic entrepreneurial spirit among UINSU students is an important step in creating a generation that is creative, competitive, and based on Islamic principles. The use of digital technology in developing an Islamic entrepreneurial spirit among UINSU students offers various opportunities and challenges. Digital technology is an effective means of building an entrepreneurial ecosystem that is inclusive, innovative, and oriented towards Islamic values. This research uses literacy methods. The use of this method is a person’s ability to process and understand information when carrying out the reading and writing process. Thus, entrepreneurship can grow within a framework that is in accordance with Islamic teachings. In addition, the use of digital technology such as e-commerce platforms and Sharia financial applications can provide easier access for Islamic business actors to participate in the global economy. This not only expands market reach but also increases competitiveness sustainably. Another aspect that is no less important is Islamic entrepreneurship education through digital platforms.
MSME Development in Medan Krio Village, Deli Serdang Regency Rivanka, Weny; Nawawi, Zuhrinal M.
AMK : Abdi Masyarakat UIKA Vol. 3 No. 2 (2024): JUNI
Publisher : Universitas Ibn Khaldun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/amk.v3i2.2193

Abstract

Micro, Small, and Medium Enterprises (MSMEs) have a significant role in improving the Indonesian economy, contributing greatly to national economic growth. The government actively encourages the development of MSMEs to increase overall economic growth and optimize the potential of MSMEs, both at the national and village levels. Pekarungan Village, especially Medan Krio Village, has great potential in MSMEs with 246 business actors consisting of the culinary sector, product sales, and services. However, Medan Krio Village does not yet have a policy or program focused on developing MSMEs. In the development of MSMEs, cooperation between business actors (internal) and government (external) is considered important to optimize potential and improve the economy. This study used a descriptive qualitative approach with data collection techniques through observation and interviews. The focus of the research is to explore the development of MSMEs in Medan Krio Village and how cooperation between business actors and the government can increase the economic potential of the village.
Analysis of Digital Marketing Strategies in Increasing Sales of Fashion Products (Sendal, Flat Shoes, and Heels) Koaki Medan in an Islamic Economic Perspective Miranda, Miranda; Nawawi, Zuhrinal M.
AMK : Abdi Masyarakat UIKA Vol. 3 No. 1 (2024): MARET
Publisher : Universitas Ibn Khaldun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/amk.v3i1.2169

Abstract

This research aims to increase sales of fashion products such as sandals, flat shoes, and heels from the Koaki Medan brand from an Islamic perspective. The results of this research show that fashion sandals, flat shoes, and heels products from the Koaki Medan brand carry out a digital marketing strategy using two methods, namely by utilizing social media and using e-commerce such as Shopee from an Islamic economic perspective. By using this strategy, it is easy for businesses or entrepreneurs to introduce their products to their target market. The method used in this research is a qualitative method by observing through social media a local brand from Medan, namely the brand name Koaki. This research also uses previous research related to the required research problem. This method helps researchers answer the problem topic being researched.
Analisis Strategi Pemasaran Yang Dilakukan Oleh Usaha Cemilan Dgilangemil Nurfadillah Najwa Faraiddin; Zuhrinal M. Nawawi
Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi Vol. 1 No. 4 (2023): Desember : Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/anggaran.v1i4.236

Abstract

Marketing strategy is a very important thing for a company to do to develop and improve the quality of its products. This strategy can be carried out by any business, be it a large business, medium business, small business or micro business. In this research the author gave the title 'Analysis of Marketing Strategies Carried Out by Small Businesses'. The purpose of this research is to provide information to readers or entrepreneurs regarding the marketing strategies carried out by the Dgilangemil business. From the research, readers and entrepreneurs can take examples of what the Dgilangemil small business did in developing their business which they started from zero until their business began to be known by many people using the marketing strategy of SWOT Analysis and Marketing Mix. In this research the author used a qualitative descriptive research method. Qualitative research is a research process carried out by observing and investigating a phenomenon that occurs and producing descriptive data. In this research, the author conducted observations, interviews and documentation with the owner of this business, namely Dea Puspita, which was carried out on December 11 2023 at the production site in the city of Langkat.
Rekonsiliasi Laporan Realisasi Anggaran Pendapatan dan Belanja Daerah (APBD) di Kabupaten Deli Serdang Laiyinna Misqha Efendi; Rafika Ananda Putri; Zuhrinal M. Nawawi
Moneter : Jurnal Ekonomi dan Keuangan Vol. 2 No. 1 (2024): Januari : Moneter : Jurnal Ekonomi dan Keuangan
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/moneter.v2i1.145

Abstract

This research aims to reconcile the Deli Serdang Regency Regional Revenue and Expenditure Budget Realization Report (APBD). This research uses descriptive research methods and a qualitative approach, examining the potential for solving contemporary problems using data collection, categorization and analysis methodologies. A qualitative approach to describe ongoing phenomena or determine the characteristics of data in the research period, with the aim of answering the main research questions. The results of the research, namely those affecting the APBN for the 2019–2022 Fiscal Year, show that the Deli Serdang Regency Government shows inefficiency in managing state revenues as evidenced by an efficiency ratio of only 80.86 percent. Deli Serdang Regency experienced a significant increase in revenue in the 2019–2022 budget year, in line with the regional government's success in maintaining or exceeding the revenue target from the previous budget year.
Analisis Laporan Keuangan dan Penggunaan Altman Z-Score untuk Memprediksi Kebangkrutan Perusahaan Jasa Transportasi dan Logistik Rusdi Hidayat, Ahmad; M. Nawawi, Zuhrinal; Syafina, Laylan
Expensive: Jurnal Akuntansi dan Keuangan Vol. 3 No. 2 (2024): Mei
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/exclusive.v3i2.6501

Abstract

This research aims to determine financial ratios that can be used as a tool to detect financial distress, which is a stage before bankruptcy and determine the level of bankruptcy in transportation and logistics service companies on the Indonesia Stock Exchange. This type of research is descriptive qualitative using documentation and literature study in data collection techniques. Financial reports, namely the balance sheet and profit and loss, are the object of this research. Four transportation and logistics service companies listed on the Indonesian Stock Exchange (BEI) and indexed on the Indonesian Sharia Stock Index are the subjects of this research. The research results show that financial ratios in financial statement analysis can detect financial distress and the modified Altman Z-Score method can predict bankruptcy. That there is one company in healthy condition, namely BIRD with an average Z-Score of 4.32. Meanwhile, three other companies, namely BLTA, TMAS and WEHA, are predicted to go bankrupt with respective Z-Scores of -54.26, 0.93 and -0.07.
Analysis Of Raw Material Inventory Control Of Fresh Fruit Bunches (FFB) Of Palm Oil Using The Continuous Review System Method Siregar, Almi Rahmadani; Nawawi, Zuhrinal M.; Syarbaini, Ahmad Muhaisin B.
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 8, No 3. (2024): JHSS (Journal of Humanities and Social Studies)
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v8i3..10804

Abstract

The purpose of this research is to analyze the management of Fresh Fruit Bunch (FFB) raw material reserves at PT. Austindo Nusantara Jaya Agri (ANJ) Binanga. This is done to alleviate concerns about the decline in Crude Palm Oil (CPO) production and the rising costs of raw materials caused by less than ideal sales. The system used in this analysis is the Continuous Review System. Continuous Review is a technique employed that applies a quantitative and descriptive approach through observation and interviews. The research findings indicate that inventory costs amount to Rp. 315,092,755, which means that the total inventory costs can be reduced, even though previous inventory costs were recorded at Rp. 290,453,600, which appears to be lower. However, due to the minimal stock shortages and the management of waiting times thanks to the contracts agreed upon with suppliers, the effectiveness of the Continuous Review System in that analysis has been proven. This research highlights the urgency for smooth production, which requires the provision of stock and the quality of the final product, as well as offering practical guidelines to maximize inventory management in the palm oil industry.
ANALISIS DAMPAK KELAYAKAN PEMBIAYAAN BANK SYARIAH TERHADAP USAHA MIKRO KECIL DAN MENENGAH Rodhiatul Aslamah Meuraxa; Dita Zakia Rahmah Siahaan; Zuhrinal M. Nawawi
JURNAL ILMIAH EDUNOMIKA Vol 7, No 1 (2023): EDUNOMIKA : Vol. 07, No. 01, 2023
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v7i1.7750

Abstract

Bank Syariah adalah bank yang berpropesi dengan tidak mengandalkan pada bunga. Bank Islam atau biasa disebut dengan bank tanpa bunga, adalah lembaga keuangan/perbankan yang operasional dan produknya dikembangkan berdasarkan pada Al-qur’an dan hadis, sedangkan pembiayaan adalah salah satu tugas pokok bank, yaitu pemberian fasilitas penyediaan dana untuk memenuhi kebutuhan pihak-pihak yang merupakan defisit unit. Metode penelitian pada penelitian ini bersifat deskripti kualitatif dimana penelitian ini bersumber dari studi pustaka (libary research) dimana studi pustaka dilakukan untuk mencari landasan taori dari berbagai literatur yang berkaitan dengan masalah penelitian. Dengan mengumpulkan refrensi-refrensi yang baik serta pembambilan dari jurnal atau artikel sejenisnya. Hasil dari penelitian ini yaitu analisis dampak pembiayaan pada UMKM ini memiliki tujuan utama untuk memperoleh keyakinan apakah nasabah atau Costumer punya kemauan dn kemampuan dalam memenuhi kewajibannya secara tertib yaitu pembayaran pada pinjaman pokok.
Co-Authors Abd. Rahman Abda Abda Ade Khadijatul Z. Hrp Ade Khadijatul. Z Hrp Ade Teo Wardana Adek Iskandar Siregar Adinda Putri Adinda Rizki Fadilah Adisty Anggraini Adisty Aulia Zahra Agustin, Elisa Ahmad Muhaisin B. Syarbaini Ahmad Rajin Siregar Aida Lasmi Aida Malan Sari Ainun Jakia Ritonga Aisha Alvia Al Tasya Fitrah Aldi Ritonga Alfi Amelia Alfin Agung Az’har Alifa Adzra Siregar Alya Sahbrina Amalia Munajah Nasution Amanda Mutiara Hasibuan Ami Radianti Ammy, Baihaqi Amsari, Syahrul Ananda, Chadisa Rizky Andri Soemitra Andri Soemitra Andri Soemitra Andri Soemitra Andri Soemitra Andri Soemitra Andri Soemitra Anggara, Windu Anisa Madani Nasution Anisa, Khotiza Anjali Marwiyah Siregar Annisa Aprilia Annisa Aprilia Annisa Edelia Annisa Fajaria Annisa Hafizzah Hutabarat Annisa Karimah Annisa Putri Siregar Aprina Tanjung Aqwa Naser Daulay Arieffan Syah Arpin Dalimunthe Asri Lestari Asri Lestari Asriadi, Ari Atika Atika Atika Atika Atika Atika Atika Audina Rizka Zahra Aulia Monica Aulia Monica Aulia Syahfitri Ayu Andini Azhari Akmal Tarigan Azizah Rahmah Azmi, Syahfrilla Al Risa Nurul Azzahra, Salwa Baehaqi Bagas Anggi Winata Balqis Anisa Janati Batubara, Zulfa Khairina Bayu Prabowo Buhari Imran Bunga Mawar Burhanuddin Cahya Purwati Sinulingga Chintya Pradilla Putri Cici El Dirrah Syafitri Simanungkalit Cindy Antika Dahrul Siregar Dalimunthe, Mahfuzah DAYU, Wulan Dea Putri Amanda Dea Putri Amanda Dewi Herlina Dewi Sundari Tanjung Dharma, Budi Diah Hafni Pardede Diah Hafni Pardede Dian Irmawani Dian Irmawani Diba Nur Rahman Dicky Mahendra Dinda Melani Putri Dini Safarina Dita Zakia Rahmah Siahaan Divia Zulianti Dona Zahra Hasibuan Dwi Kresna Riyadi Dwi Vita Lestari Soehardi Effendy, M. Ridho Effendy, Muhammad Eidho Eka Lestari Eli Sugiarto Elizar Sinambela Ella Safitri Ellina Satyana Elvira Andriyani Enjely Putri Marpaung Ervina Yulia Angkat Evelyne Vagittha Tarigan Fadillatunnisa Fadillatunnisa Faisal Hamdani Harahap Fandy Rangkuty, Muhammad Hafif Faris Andrawika Harahap Fauzan Najib Fauzi Ahmad Romadhon Fauziah Fauziah Fauziah Sarah Febriana Sakina Febriandi Akbar Sitompul Feby Maulydia Nasution Finik Kharianti Fiqkri Ardian Fuadi Fuadi Gita Kurniasari Sembiring Gusniati, Putri Habilla Asnhari Hafsyah Yasmita Haikal Dzikri Daulay Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Harahap, Tawarni Roha Hari Setiawan Saragih Hasibuan, Amanda Mutiara Hasibuan, M. Hizbullah Hasibuan, Mardiah Khofifah HASIBUAN, MASDELIMA Hendra Harmain Herry Syahbanuddin Herwan Nafil Hilmiatus Sahla Husni Fazari Lubis Husni Pasarela Husyairi, Mhd. Alwi Syam Ilham Habibi Lubis Ilham Wahyudi Imel Santika Siregar Imsar Imsar Imsar Imsar Imsar Indah Mutiara Ayu Indradewa, Rhian Indry Anggraini Putri Indry Anggraini Putri Iqbal Fahri Tobing Irhamna Tanjung Irma Chairani Tambunan irma rahmayani marpaung Irma Rahmayani Marpaung Ismail Ismail Ismail Isnaini Harahap Jaidil Kamal Jamaluddin Siregar Jannah, Nurul Jihan Humairoh Julia Hamdini Nasution Juliana Nasution Juliana Sari Harahap Kamal, Jaidil Kamaruddin Kamaruddin Kaswinata Kaswinata, Kaswinata Khairina Tambunan Khamal Rokan, Mustapa Kharianti, Finik Kharisma, Diah Ananda Khofifah Sari Hasibuan Khoiria Risky Tanjung Khoirun Nisa Lubis Kurinci, Ayu Ismah Azizah Kurnia Sandi Panjaitan Kusmilawaty Kusmilawaty Laila Fitria Lailan Safina Hasibuan Laiyinna Misqha Efendi Lathifah Ananda Putri Latifah Laura Oktarani Br Torong Laylan Syafina Leni Lestari Simatupang Lestari Perdana Putri Lia Purnama Sari Lutfiansyah, Irham Luthfia Masfa Nur M Rizky M. Hizbullah Hasibuan M. Hizbullah Hasibuan Mahfuzah Dalimunthe Marliyah Marliyah, Marliyah Marlya Fatira AK Marni Susi Susanti Harahap Masdelima Hasibuan Mashithoh Sitorus Mawaddah Irham Mawaddah Irham Mawaddah Mawaddah, Mawaddah Maysa Chairani Mega Hasibuan Mega Hasibuan Mela Devita Mela Devita Melly Nia Fajriani Sinaga Miliantari, Dea Miranda, Miranda Miratul Imaniah Mita Nur Syafitri Mohd Fauzwadi bin Mat Ali Muhammad Adam Muhammad Andre Alkahfi Muhammad Arif Muhammad Fakhru Rizqi Muhammad Hasan Muhammad Iqbal Sayuti Harahap Muhammad Iqbal Sayuti Harahap Muhammad Istiftahu Syifa Muhammad Istiftahu Syifa Muhammad Rajab Ardiansyah Muhammad Ramadhan Muhammad Ramadhan Muhammad Sawal Pitriyadi Muhammad Suhaimi Muhammad Syahbudi Muhammad Umar Maya Putra Mulia Syahputri Mustika Ayu Anggreini Mutia Sari Dewi Mutiara Sari Mutiara Sari Mutiara Sawitri Pane Nabila Salsahbilah Nadia Ulfa Nailul Muna Namira Azani Nasution, Annio Indah Lestari Nasution, Juliana Nasution, Muhammad Irwan Padli Nawir Yuslem Nawir Yuslem, Nawir Nelsi Agustina Siburian Nelsi Agustina Siburian Nikmah Amalia Harahap Nila Rosdiana Nirmadarningsih Hiya Niswa Auliya Lubis Nona Mardiana Siregar Nova Amelia Nur Ahmadi Bi Rahmani NUR AHMADI BI RAHMANI Nur Ahmadi Bi Rahmani NUR ASRIZA PASARIBU Nur Fadhilah Ahmad Hsb Nur Sa’diah Saragih Nur Syafikah Lubis Nurbaiti Nurbaiti Nurfadillah Najwa Faraiddin Nurhalija Sitompul Nurhalisa, Siti Nurhaliza Nurhaliza Nurhayati Nurhidayah Nurhidayah Nuri Aslami Nursantri Yanti Nurul Hafizah Nurul Inayah Nurul Inayah Nurul Inayah Nurul Inayah Nurul Izzah Nurul Jannah Pane, Ricky Pardede, Diah Hafni Pasaribu, Sri Pujiyama Popi Dea Ananda Pratista Andanitya Siregar Puja Maharani Pasaribu Putra, Randy Tama Putri Andini Al Khoiri Putri Gusniati Putri Sepfiani Putri Sepfiani Putri Siregar, Annisa Rafika Ananda Putri Rahma Wulan Suci Nasution Rahma, Putri Rahmad Bahagia Rahmat Rahmat Rahmat Rahmi Syahriza Raihanah Daulay Ramayanti Simanjorang Raniwati Siregar Raudatun Sumi Reni Ria Armayani Reni Riswati Ridho Erianto Rifka Fachrina Rima Rizki Syahputri Rina Aldila Ririn Pebrianti Riska Nasution Risna Dewi Rivai Iqrok Tanjung Rivanka, Weny Rizky Ananda Utami Rizky Febriansyah Sinaga Rodhiatul Aslamah Meuraxa Rodiatul Husna Roza, Fitra Maulana Ruli Pebrina Br Sitepu Rusdi Hidayat, Ahmad Safinatunnaja Safrizan Safrizan Sahri Aramiko Sakinah Sakinah Sallimah Ika Putri Malau Salsabila Sofiya Wardani Sekar Sari Septi Sanjaya, Rendy Septia Sakinah Rizki Seri Handayani Shopi Regina Sindi Sihombing Sinta Sukma Ayu Siregar Dahrul Siregar, Almi Rahmadani Siregar, Bakia Sarmita Utari Siregar, Wardah Hinayah Siska Junianti Br Perangin-angin Siti Aisyah Siti Fahirah Sihotang Siti Nurhafizah Siti Nurhalimah Siti Sahara Siti Saleha Sitorus, Isnaini Faraz Azis Ilmi Sonia Purba Sovia Harahap Sri Aderafika Sani Sri Aderafika Sani Sri Kartika Dewi Sri Ramadhani Sri Rezeki Widya Ritonga Sri Sudiarti Sri Wahyuni Subambang Harsono Suci Pranasari Suci Ramadhani Siregar Sucita Alfiani Sulistya Ningsih, Inten Syahla Ananda Syahla Nabila Syahputra, Angga Syakir, Ahmad Syarbaini, Ahmad Muhaisin B. Syuhada Fela Yudha Tambunan, Khairina Tambunan, Kharina Tambusay, Basmaida Waty Tamima, Aqila Tasya Maulida Tasya Nadila Taufik Hidayat Tria Silvia Tria Wardani Trisna Eka Putri Triya Harti Sholihat Tuti Anggraini Tuti Anggraini Tuti Anggraini Tuti Anggraini Uci Kirani Rambe Vega Liana Vina Cynthiasari Vivi Juliana Siregar Wahyu Syarvina Wan Ronaldo Nasution Widya Anggraini Wildan Izzaty Windi Jihan Nabila Yeni Aulia Siagian Yenni Samri Juliati Nasution Yenni Samri Juliati Nasution Yogi Oriena Pasaribu Yohana Ariska Putri Nasution YUDI SISWADI Yuli Anisyah Hasibuan Yunda Herliana Yuni Maryam Siregar Yusliani Yusliani Yusnita Ulfah Munthe Yustia Dewi Zidane, Muhammad Raihan Zulfahani Zulfahani Zulfitri Zulfitri