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The Effect of Murabahah, Mudharabah, and Musharakah Financing on Net Profit Growth in Bank Muamalat Indonesia Siregar, Erwin Saputra; Irmayuliana, Irmayuliana
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 7, No 1 (2022): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v7i1.2827

Abstract

This study aims to examine the effect of Murabahah, Mudharaba, and Musharaka Financing on Net Profit Growth at Bank Muamalat Indonesia Period 2016-2019. The independent variables used are Murabahah, Mudharaba, and Musharaka financing. The dependent variable used is Net Profit at Bank Muamalat Indonesia. The population and sample in this study are the Monthly Financial Statements of Bank Muamalat Indonesia, January 2016 - December 2019, 12 months x 4 years = 48, so the sample of this research is 48. Samples were selected using the saturated sampling method. The analytical method used in this study is multiple linear regression with time-series data processed using SPSS IBM 20 and Microsoft Excel 2010. The results of this study indicate that the independent variables Murabahah, Mudharaba, and Musharaka financing simultaneously affect the dependent variable Net Profit. Partially Murabahah Financing does not affect Net Profit. Partially, Mudharaba Financing hurts Net Profit, and Partially Musharaka Financing does not affect Net Profit
Analisis Strategi Unit Pengumpulan Zakat (UPZ) Desa Pulau Melako dalam Meningkatkan Kesadaran Masyarakat Membayar Zakat Siti Nurhaliza; Erwin Saputra Siregar
Jurnal Ilmiah Manajemen dan Kewirausahaan Vol. 4 No. 3 (2025): September: Jurnal Ilmiah Manajemen dan Kewirausahaan
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jimak.v4i3.4725

Abstract

This study aims to analyze the strategy of the Zakat Collection Unit (UPZ) of Pulau Melako Village in increasing public awareness to pay zakat. Although zakat has great potential in improving community welfare, the level of awareness of village communities towards zakat maal is still relatively low. This study uses a qualitative method with a descriptive approach. Data collection techniques are carried out through observation, interviews, and documentation. The results of the study indicate that the UPZ of Pulau Melako Village has implemented several strategies such as direct socialization, empowerment of community leaders, and a personal approach to muzakki. However, obstacles such as lack of formal training for officers, limited use of information technology, and minimal infrastructure are still challenges in efforts to optimize zakat collection. The right and innovative strategy is needed to increase public awareness and participation in the obligation of zakat maal.
PENGARUH BRAND AMBASSADOR DAN LABEL HALAL TERHADAP MINAT BELI PRODUK WARDAH DI DESA BAYAT ILIR KECAMATAN BAYUNG LENCIR Ria Anggilia; Abd. Malik; Erwin Saputra Siregar
Jurnal Publikasi Ilmu Manajemen Vol. 2 No. 1 (2023): Maret: Jurnal Publikasi Ilmu Manajemen 
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1216.334 KB) | DOI: 10.55606/jupiman.v2i1.1030

Abstract

This research aims to determine the influence of brand ambassadors and halal labels on the interest in buying Wardah products in Bayung Lencir District, Bayat Ilir Village. This type of research uses quantitative research. The data used in this study is primary data obtained using data collection techniques from questionnaires. The sample obtained in this study was 102 respondents. The technique in sampling in this study used a non probability sampling method. Analyzed using multiple linear regression analysis. The results of the analysis of this study indicate that the brand ambassador variable has a partial influence on buying interest in Wardah products with a significant level of 0.010 where t count (2,611) > t tabele (1,660). The Halal Label variable does not have a partial effect on buying interest in Wardah products with a significant level of 0.253 where t count (1,149) > t tabele (1,660). Simultaneous test results, brand ambassador and halal label have an effect on Wardah product purchase interest with a significant level of 0.007.
ANALISIS MANAJEMEN RISIKO DALAM PEMBIAYAAN MURABAHAH DI KOPERASI KELUARGA KESEHATAN SYARIAH JAMBI Maula, Nikmatul; Kurniawan, Bambang; Saputra Siregar, Erwin
Jurnal Ilmiah Manajemen, Ekonomi dan Bisnis Vol. 3 No. 1 (2024): :Januari : Jurnal Ilmiah Manajemen, Ekonomi dan Bisnis
Publisher : Universitas Sains dan Teknologi Komputer

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51903/jimeb.v3i1.707

Abstract

Basically risk management includes activities to plan, organize, lead, coordinate, and supervise risk management programs. Financing is one of the activies, including the Jambi Syariah Health Family Cooperative. And at the time of doing the financing of course will not be separated from the name of risk. So cooperatives need to implement risk management in order to be able to minimize the possibility of risks that will occur at some point in time. The purpose pf this research is to find out how to apply risk management to murabahah financing in the Jambi Syari’ah Health Fsmily Cooperatives. The type of research used is field (field research). This research is descriptive, namely research that tries to determine the solution to the current problem based on the data. The types and sources of data used in the research are primary and secondary data. Data collection techniques using observation, interviews and documentation. To check the validity is to use triangulation of sources and reference materials is used. The method consists of three stages, namely data reduction, data presentation, and data verification. The result of the research carried out are the application of risk management murabahah financing at the Jambi Sharia Health Family Cooperative has bee carried out correctly by using a referral pr referensi system,surveyor scoring, useof goods, guarantees, committee meetings, reserves for earning assets write-of (PPAP), and make the remainingoperating results (SHU). Although the implementation of financing risk management has been carried out properly. But whose name is risk cannot be eliminated can minimize it.
Analisis Strategi Pemasaran Syariah dalam Meningkatkan Penghasilan Coffee Shop Pada Era New-Normal di Kota Jambi (Studi Pada Coffee Shop Pedalaman) M. Aditya; Saputra Siregar, Erwin; Syah Noor, Firman
Jurnal Pendidikan Tambusai Vol. 8 No. 1 (2024): April 2024
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v8i1.12883

Abstract

This research aims to find out the sharia marketing strategy implemented by Coffee Shop Pedalaman in the New Normal era and the income of Coffee Shop Pedalaman. This research method is qualitative research and this research is a type of case study research. The informants of this research are the team leader, employees, and consumers of Coffee Shop Pedalaman. The techniques used when collecting data are utilizing observation, interviews and documentation studies. The technique in analyzing data presentation starts from collecting all data from observations, interviews and document studies. While in testing the validity of the data, namely by applying data triangulation. The results of the study show that it can be described that Coffee Shop Pedalaman in increasing income uses a 4p marketing mix strategy consisting of product, price, place, promotion. Without harming, cheating consumers or competitors. Based on the results found in this study, the researcher has suggestions that Coffee Shop Pedalaman in terms of the location used by Coffee Shop Pedalaman is very strategic, but it is a little narrow. Therefore, there should be additional petunuk about the location. Then expand marketing and promotional activities, participate in events to be better known by the wider community. As well as the importance of implementing a marketing strategy that must be maximized.
Pengaruh Modal, Lokasi, Dan Inovasi Terhadap Daya Saing UMKM Kuliner Di Jambi Timur Zaidan, Mustafa; Saputra Siregar, Erwin
Jurnal Pendidikan Tambusai Vol. 9 No. 2 (2025): Agustus
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v9i2.31033

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh modal, lokasi usaha, dan inovasi terhadap daya saing UMKM kuliner di Jambi Timur. Penelitian ini menggunakan pendekatan kuantitatif dengan metode analisis model persamaan struktural berbasis Partial Least Squares. Sampel penelitian terdiri dari 203 pelaku UMKM kuliner yang dipilih dengan mempertimbangkan keterwakilan populasi. Hasil penelitian menunjukkan bahwa ketiga variabel, yaitu modal, lokasi usaha, dan inovasi, berpengaruh signifikan terhadap daya saing. Modal berperan dalam mendorong pengembangan usaha, memperluas kapasitas produksi, serta mendukung keberlangsungan operasional. Lokasi strategis meningkatkan akses pelanggan, memperbesar peluang pasar, dan mempermudah konsumen dalam menjangkau produk. Inovasi terbukti mendukung kemampuan UMKM untuk beradaptasi dengan dinamika pasar, menciptakan nilai tambah, serta menghasilkan diferensiasi produk. Secara simultan, ketiga faktor tersebut menjadi kunci utama dalam memperkuat daya saing sekaligus keberlanjutan UMKM kuliner. Temuan penelitian ini diharapkan dapat menjadi acuan bagi pelaku usaha, pemerintah, dan pemangku kepentingan dalam menyusun strategi peningkatan daya saing UMKM kuliner di Jambi Timur.
Analysis of Short Term Funding with Mudharabah Agreements in Bank Syariah Indonesia (Study on Indonesian Sharia Bank KC Jambi Gatot Subroto) Anggraini, Dian Septi; Siregar, Erwin Saputra; Yulistiani, Yulistiani; Mellyani, Netty Purnama Sari; Rusmiyati, Melly; Assaidiqi, M. Irfan; Nazori, Nazori
International Journal of Economics (IJEC) Vol. 3 No. 2 (2024): July-December
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i2.691

Abstract

This research discusses the Analysis of Short-Term Funding with Mudharabah Agreements at Indonesian Sharia Banks (Study at the Jambi Gatot Subroto Branch Office Sharia Bank). The aim of this research is to describe the causes of the decline in the level of mudharabah financing in 2020 and the reasons why short-term funding in mudharbah contracts is less banking friendly due to the complexity and many requirements for MSMEs. This research is field research using descriptive qualitative methods. Data collection involves observation, interviews and documentation. Test the validity of this research using triangulation techniques. The subjects in this research were Bank Syariah Indonesia Jambi Gatot Subroto Branch Office. The results of this research show that there are two factors causing the decline in mudharabah financing in 2020, namely internal and external factors, internal factors include ineffective risk management, inefficient operational management, and declining service quality. External factors include the COVID-19 pandemic and the unreliability of customers in mudhrabah financing. The factors that cause short-term funding at Bank Syariah Indonesia Jambi Gatot Subroto Branch Office to be less banking friendly towards MSMEs are internal factors including fairly strict risk policies, complicated requirements, and a lack of understanding about MSMEs. External factors include a lack of support infrastructure such as providing business training with short-term funding.
ANALISIS DAMPAK EKONOMI DAN SOSIAL AKTIVITAS PT. WALETINDO SETIA PERSADA BAGI MASYARAKAT DESA SINDANG MARGA Muhammad Chalifatul Mu’minin Assidqie; Erwin Saputra Siregar; Dessy Anggraini
Jurnal Kajian dan Penalaran Ilmu Manajemen Vol. 2 No. 1 (2024): Januari : Jurnal Kajian dan Penalaran Ilmu Manajemen
Publisher : CV. Aksara Global Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59031/jkpim.v2i1.339

Abstract

Coal is one of the energy sources in the world. Coal is a very complex mixture of organic chemicals containing carbon, oxygen and hydrogen in a carbon chain. Sindang Marga Village is one of the villages in Bayung Lencir sub-district, Musi Banyuasin Regency, South Sumatra province. Based on survey data, it is known that the number of people in the village is 1,700 people, including those who do not yet have identity cards. After the establishment of a mining company, it is hoped that it will be able to raise the level of socio-economic conditions for the people of Sindang Marga village, both those without families and those with families. If people's income increases, of course the level of community welfare will also improve. The aim of this research was to determine the economic and social impact on society of PT activities. Waletindo Setia Persada in Sindang Marga Village, Bayung Lencir District, Musi Banyuasin Regency. This research is field research with a qualitative type of research. Data collection techniques use observation, interviews and documentation. The data analysis technique used is qualitative descriptive analysis, which consists of three activity streams, namely data reduction, data presentation and drawing conclusions. The research results show that the impact resulting from the activities of PT. Waletindo Setia Persada in Sindang Marga Village is a change in the livelihoods of the people of Sindang Marga Village from the agricultural sector to the mining sector, increasing micro businesses and minimizing unemployment. The existence of the Company also causes an increase in income and changes people's standard of living for the better. There are changes in behavior patterns in society, both positive and negative, such as income disparities, disruption of public roads, health problems and conflict.
Pengaruh Dana Pihak Ketiga, Financing to Deposit Ratio dan Non Performing Finacing Terhadap Pembiayaan Murabahah Pada Bank Umum Syariah di Indonesia Tahun 2018-2022 Wawan Hendriawan; Erwin Saputra Siregar; Nurfitri Martaliah
Jurnal Kajian dan Penalaran Ilmu Manajemen Vol. 2 No. 1 (2024): Januari : Jurnal Kajian dan Penalaran Ilmu Manajemen
Publisher : CV. Aksara Global Akademia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59031/jkpim.v2i1.345

Abstract

Financing is one type of sharia banking activity which is meant by financing is the provision of funds or bills which are equivalent to profit sharing transactions in the form of mudharabah and musyarakah, rental transactions in the form of ijarah or hire purchase in the form of ijarah, mutaniya bittamlik, sale and purchase transactions in in the form of murabhahah, salam and istisna receivables, lending and borrowing transactions in the form of qards and service rental transactions in the form of ijarah for multi-service transactions. This research aims to determine the influence of DPK, FDR and NPF on murabahah financing in Islamic commercial banks for the 2018-2022 period. This type of quantitative research, the data used is secondary data taken from the OJK website. This research uses the multiple linear regression method. The research results show that the variables third party funds (DPK), financing to deposit ratio (FDR) and non-performing financing (NPF) simultaneously have a significant influence on murabahah financing in Islamic commercial banks for the 2018 - 2022 period.
PENGARUH DEBT TO ASSETS RATIO (DAR) DAN DEBT TO EQUITY RATIO (DER) TERHADAP RETURN ON EQUITY (ROE) Siregar, Erwin Saputra; Lubis, Puteri Anggi; Hidayat, Wahyu Toni
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 5 No. 2 (2024): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v5i2.3012

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh Debt to Assets Ratio (DAR) dan Debt to Equity Ratio (DER) terhadap Return On Equity (ROE) pada perusahaan yang terdaftar di Jakarta Islamic Index (JII) periode 2018-2021. Metode yang digunakan dalam penelitian ini adalah dengan menggunakan metode penelitian kuantitatif. Sampel yang digunakan adalah Perusahaan yang Terdaftar di Jakarta Islamic Index (JII). Berdasarkan metode purpose sampling terdapat 9 perusahaan yang memenuhi kriteria. Hasil penelitian ini menunjukkan bahwa secara parsial Debt to Assets Ratio (DAR) tidak berpengaruh signifikan terhadap Return On Equity (ROE), sedangkan Debt to Equity Ratio (DER) memiliki pengaruh signifikan terhadap Return On Equity (ROE) pada perusahaan Jakarta Islamic Index. Penelitian ini juga menunjukkan bahwa secara simultan Debt to Assets Ratio (DAR) dan Debt to Equity Ratio (DER) berpengaruh signifikan terhadap Return On Equity (ROE) pada perusahaan Jakarta Islamic Index.Kata Kunci: Debt to Assets Ratio (DAR), Debt to Equity Ratio (DER), Return On Equity (ROE).
Co-Authors A Tarmizi - A.A. Miftah Abd Malik Abd. Malik Addiarrahman Agustina Mutia Agustina Mutia Ahmad Fatoni Ahmad Tarmidzi Ambok Pangiuk Ambok Pangiuk Andi Cahyono Anggraini, Dian Septi Anita Santri Caniago Anzu Elvia Zahara Ardiyansah Ardiyansah Arianti, Asna Arsa Arsa Arsa Arsa Arsa Arsa Asiah Wati Assaidiqi, M. Irfan Aysah putri mahardika Aztyara Ismadharliani Bambang Kurniawan Bambang Kurniawan Chatarina Umbul Wahyuni Dayyesi, Hermika Dessy Anggraini Eja Armaz Hardi Elyanti Rosmanidar Erliyana, Nova Firman Syah Noor Fitri Andriyani Gusmila Sari Hamdani Akbar Hanny Musyayyadah Hermika Dayyesi Hidayat, Wahyu Toni Irmayuliana Irmayuliana Irmayuliana, Irmayuliana Laily Ifazah Lia Rahmasari Lubis, Puteri Anggi M. Aditya M. Fathan Amin Mariyani Mariyani Mariyani, Mariyani Meisha Nabilla Putri Meisha Nabilla Putri Mellya Embun Baining Mellyani, Netty Purnama Sari Menik Anjarwasih Muhadan Nurvianto Muhamad Subhan Muhammad Chalifatul Mu’minin Assidqie Muhammad Rezi Muhammad Rezi Muhammad Subhan Nanda Putra Rahmadan, Ferdy Nasrullah Alhadiid Nazori, Nazori Nikmatul Maula Nikmatul Maula Novi Mubyarto Nur Arafah Nur Arafah Nurfitri Martaliah Nurhaya Nurhaya Nurlia Fusfita Ogi Saputra Oktavia Sri Wardani Pipit Putriani Puteri Anggi Lubis Putri Nur Kholida Zifa Rabiatul Adawiah Rabiyatul Alawiyah Rabiyatul Alawiyah Rafidah Rafidah Rafidah Rafidah Rafidah RAfidah Rahmi Mardhatillah Ria Anggilia Rizky Fitra Ananda Rusmiyati, Melly Saijun Saijun Salsadila Habiba Sari Yana Siregar Siregar Sari, Welly Puspita Silvia Nurfajriati Silvia roza Siregar, Fitri Ana Siregar, Sari Yana Siregar Siska Anggraini Sissah Sissah Sissah Sissah Siti Nurhaliza Sri Rahma Suchi Soumi Shinta Sucipto Sucipto Sucipto Sucipto Sucipto Sucipto Sukma Gusti Armaida Supriadi Supriadi Titin Agustin Nengsih Usdeldi, Usdeldi Wahyu Toni Hidayat Wanda Wanda Wawan Hendriawan Welly Puspita Sari Winy Meldiani Yulistiani Yulistiani, Yulistiani Yunisa Putri Elsanti Zaidan, Mustafa Zilhikmah Safitri