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ANALISIS MEKANISME KLIRING PADA KANTOR PERWAKILAN (KPW) BANK INDONESIA (BI) LHOKSEUMAWE Putri, Juliana; Dewi, Ratna Sari
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 1 No 2 (2019): AT-TIJARAH Vol. 1 No. 2 July-December 2019
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

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This study aims to explain the clearing mechanism at Bank Indonesia Lhokseumawe City, to determine the constraints that occur in the clearing mechanism. This research is a field study or also called the type of field research, which is obtaining data from research objects by collecting data extracted from field data sources, namely from informants. The conclusions that the authors conclude in this study are as follows: 1. The clearing mechanism is carried out with several mechanisms, first, the company (the bank) sends payment data to the sending bank, second, the sending bank sends the transaction to the SKNBI the receiving bank receives transaction data and funds from the settlement, then third, the receiving bank verifies the name and account number of the customer recipient, if it is not appropriate, the director must be in bulk format, fourth, the recipient bank will forward the transaction to the customer's account The obstacle faced by BI in the clearing mechanism is the existence of network disruptions during the clearing process, so that Bank Indonesia needs to conduct bilateral transactions or clearing processes between banks using the RTGS system. Network disruption can occur nationally or locally experienced by each region or office, especially the Bank in Lhokseumawe City. Keyword: Clearing Mechanism, Bank Indonesia. Abstrak Penelitian ini bertujuan untuk menjelaskan mekanisme kliring di Bank Indonesia Kota Lhokseumawe, untuk mengetahui kendala yang terjadi pada mekanisme kliring. Penelitian ini adalah penelitian lapangan atau disebut juga jenis penelitian lapangan, yaitu memperoleh data dari objek penelitian dengan mengumpulkan data yang diambil dari sumber data lapangan, yaitu dari informan. Kesimpulan yang penulis simpulkan dalam penelitian ini adalah sebagai berikut: 1. Mekanisme kliring dilakukan dengan beberapa mekanisme, pertama, perusahaan (bank) mengirim data pembayaran ke bank pengirim, kedua, bank pengirim mengirim transaksi ke SKNBI bank penerima menerima data transaksi dan dana dari penyelesaian, kemudian ketiga, bank penerima memverifikasi nama dan nomor rekening penerima pelanggan, jika tidak sesuai, direktur harus dalam format massal, keempat, bank penerima akan meneruskan transaksi ke rekening nasabah. Kendala yang dihadapi BI dalam mekanisme kliring adalah adanya gangguan jaringan selama proses kliring, sehingga Bank Indonesia perlu melakukan transaksi bilateral atau proses kliring antar bank menggunakan sistem RTGS. Gangguan jaringan dapat terjadi secara nasional atau lokal oleh masing-masing wilayah atau kantor, terutama Bank di Kota Lhokseumawe. Kata kunci: Mekanisme Kliring, Bank Indonesia.

ANALISIS PENGARUH MOTIVASI DAN SIKAP TERHADAP MINAT BERWIRAUSAHA MAHASISWA FEBI IAIN LHOKSEUMAWE Putri, Juliana; Zulfa, Zulfa
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 2 No 1 (2020): AT-TIJARAH Vol. 2 No. 1 January-June 2020
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

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Indonesia is a developing country with a high population growth rate, along with the increasing population in Indonesia, the competition for jobs is getting more competitive, while the job opportunities offered are limited, so it demands young people and students to be more creative through entrepreneurship. Entrepreneurship education began to be taught in schools, both high school and university, including at the State Islamic Institute of Lhokseumawe. This teaching is expected to be able to motivate and increase student interest in entrepreneurship. This study aims to determine the effect of motivation and attitudes partially and simultaneously on entrepreneurial interest using quantitative methods. Sampling using purposive sampling technique. Data collection was carried out by distributing online questionnaires as many as 92 students as respondents. Data processing with multiple linear regression testing. The results showed that (1) Motivation was able to influence interest in entrepreneurship in FEBI IAIN Lhokseumawe students, (2) attitudes were able to influence interest in entrepreneurship in FEBI IAIN Lhokseumawe students, (3) motivation and attitude were simultaneously able to influence interest in entrepreneurship in FEBI IAIN Lhokseumawe students. Keywords: Motivation, Attitude, Entrepreneurial Interest. Abstrak Indonesia merupakan negara berkembang dengan tingkat pertumbuhan penduduk yang tinggi, seiring dengan bertambahnya jumlah penduduk di Indonesia persaingan mencari pekerjaan semakin kompetitif sementara lapangan kerja yang ditawarkan terbatas sehingga menuntut kaum muda dan mahasiswa untuk lebih kreatif melalui kewirausahaan. Pendidikan kewirausahaan mulai diajarkan disekolah-sekolah, baik sekolah menengah maupun perguruan tinggi, termasuk di Institut Agama Islam Negeri Lhokseumawe. Pengajaran ini diharapkan mampu memotisivasi dan meningkatkan minat mahasiswa dalam berwirausaha. Penelitian ini bertujuan untuk mengetahui pengaruh motivasi dan sikap secara parsial dan simultan terhadap minat berwirausaha dengan menggunakan metode kuantitatif. Pengambilan sampel menggunakan teknik purposive sampling. Pengumpulan data dilakukan dengan penyebaran kuesioner online sebanyak 92 mahasiswa sebagai responden. Pengolahan data dengan pengujian regresi linier berganda. Hasil penelitian menunjukkan bahwa (1) Motivasi mampu mempengaruhi minat berwirausaha pada mahasiswa FEBI IAIN Lhokseumawe, (2) sikap mampu mempengaruhi minat berwirausaha pada mahasiswa FEBI IAIN Lhokseumawe, (3) motivasi dan sikap secara simultan mampu mempengaruhi minat berwirausaha pada mahasiswa FEBI IAIN Lhokseumawe. Kata kunci: Motivasi, Sikap, Minat Berwirausaha

URGENSI AKUNTANSI ISLAM DI ERA MODERN Putri, Juliana
J-ISCAN: Journal of Islamic Accounting Research. Vol 1 No 1 (2019): ISCAN Vol. 1 No. 1 January-June 2019
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/j-iscan.v1i1.694

This paper aims to determine the importance of the Islamic Accounting in modern era. In particular, the paper analyzes the values of the Islamic principles in the accounting process that prevent the unexpected activity such as fraud, dishonest etc to appear in reality. Arthur Anderson case was a result of the fraudulent activities that lead to its termination. Certainly this kind of case is expecting not to be happened in the future. Design/methodology/approach – The paper adopts the descriptive analysis and elaboration of the important element of the Islamic principles used in the accounting process. Furthermore, this paper attempt to make clear distinction between values underlying the Islamic accounting and that of the conventional accounting. Findings the comparison of those two systems leads to the conclusion that the value in Islam such as honest, fair, truth (which is important in the Islamic accounting process) has more meaning than the similar value of in the conventional accounting. Hold firmly the Islamic value obviously leads to the decrease fraudulent practices and other unexpected activities. Moreover, it increases the social welfare of the stakeholders as Islam requests people to bring as much as benefit to other community. Practical implication– The implication is that the current conventional modern accounting value must be redefined to bring the stakeholders in getting more benefit and creating less damage to the society. The reporting value should provide information to the stakeholders on the current state of the real condition and provide solution which leads to the increase of the stakeholders’ welfare. Keywords: Islamic Accounting, Conventional Accounting, Islamic Principle. Abstrak Tulisan ini bertujuan untuk mengetahui pentingnya Akuntansi Islam di era modern. Secara khusus, makalah ini menganalisis nilai-nilai prinsip-prinsip Islam dalam proses akuntansi yang mencegah kegiatan tak terduga seperti penipuan, tidak jujur dll untuk muncul dalam kenyataan. Kasus Arthur Anderson adalah hasil dari kegiatan penipuan yang mengarah pada penghentiannya. Tentu saja kasus seperti ini berharap tidak terjadi di masa depan. Desain / metodologi / pendekatan - Tulisan ini mengadopsi analisis deskriptif dan elaborasi elemen penting dari prinsip-prinsip Islam yang digunakan dalam proses akuntansi. Selanjutnya, tulisan ini berusaha untuk membuat perbedaan yang jelas antara nilai-nilai yang mendasari akuntansi Islam dan akuntansi konvensional. Temuan perbandingan kedua sistem mengarah pada kesimpulan bahwa nilai dalam Islam seperti jujur, adil, kebenaran (yang penting dalam proses akuntansi Islam) memiliki makna lebih dari nilai yang sama dalam akuntansi konvensional. Berpegang teguh pada nilai Islam jelas mengarah pada penurunan praktik penipuan dan kegiatan tak terduga lainnya. Selain itu, ini meningkatkan kesejahteraan sosial para pemangku kepentingan karena Islam meminta orang-orang untuk membawa sebanyak manfaat bagi komunitas lain. Implikasi praktis - Implikasinya adalah bahwa nilai akuntansi modern konvensional saat ini harus didefinisikan ulang untuk membawa para pemangku kepentingan mendapatkan lebih banyak manfaat dan menciptakan lebih sedikit kerusakan pada masyarakat. Nilai pelaporan harus memberikan informasi kepada para pemangku kepentingan tentang kondisi terkini dari kondisi nyata dan memberikan solusi yang mengarah pada peningkatan kesejahteraan para pemangku kepentingan. Kata kunci: Akuntansi Syariah, Akuntansi Konvensional, Prinsip Syariah

Pengaruh Kepercayaan dan Pemahaman Masyarakat Kampung Bener Pepanyi Terhadap Minat Membayar Zakat di Baitul Mal Bener Meriah Sauri, Sofian; Iskandar, Iskandar; Rahmawati, Rahmawati; Putri, Juliana
AT-TASYRI': JURNAL ILMIAH PRODI MUAMALAH Vol. 16 No. 1 (2024): At-Tasyri': Jurnal Ilmiah Prodi Muamalah
Publisher : Prodi Hukum Ekonomi Syariah STAIN Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/tasyri.v16i1.3033

Penelitian yang berjudul “Pengaruh Kepercayaan dan Pemahaman Masyarakat Kampung Bener Pepanyi Terhadap Minat Membayar Zakat di Baitul Mal Bener Meriah”. Tujuan penelitian ini yaitu (1) untuk mengetahui pengaruh kepercayaan berpengaruh terhadap minat masyarakat dalam membayar zakat di Baitul Mal Bener Meriah (2) untuk mengetahui pengaruh pemahaman berpengaruh terhadap Minat Masyarakat dalam membayar Zakat Di Baitul Mal Bener Meriah (3) Untuk mengetahui pengaruh kepercayaan dan pemahaman berpengaruh terhadap simultan terhadap Minat Masyarakat membayar Zakat di Baitul Mal Bener Meriah. Penelitian ini mengunakan pendekatan secara kuantitatif yang bertujuan untuk menjelaskan pengaruh antara satu variabel dengan variabel lainnya adapun variabel dalam penelitian ini yaitu Minat (Y), Kepercayaan (X1), Pemahaman (X2). Adapun data yang digunakan data sekunder berupa data runtun waktu dalam model hipotesisnya. Populasi dan sample penelitian ini di ambil dari masyrakat Kampung Bener Pepanyi, Kecamatan Permata, Kabupaten Bener Meriah. Adapun jumlah yang membayar Zakat di Kampung Bener Pepanyi pada tahun 2022 sebanyak 63 orang. Teknik pengumpulan data mengunakan kouesioner. Analisa data mengunakan SPSS versi 25. Berdasarkan hasil penelitian diketahui bahwa kepercayaan dan pemahaman berpengaruh terhadap minat masyarakat dalam membayar Zakat di Baitul Mal Bener Meriah. Hasil Uji F Variabel Kepercayan (X1) dan Pemahaman (X2) berpengaruh terhadap simultan terhadap Minat Masyarakat dalam Membayar Zakat di Baitul Mal Bener Meriah

STRATEGI PEMASARAN DIGITAL UNTUK MENINGKATKAN PENJUALAN UMKM DI INDONESIA sari, Junida; Putri, Juliana
AL-IQTISHAD : Jurnal Perbankan Syariah dan Ekonomi Islam Vol. 4 No. 2 (2024): AL-IQTISHAD : Jurnal Perbankan Syariah dan Ekonomi Islam
Publisher : Program Studi Perbankan Syariah, Sekolah Tinggi Agama Islam Negeri (STAIN) Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/iqtishad.v2i2.3753

Digital marketing has become a key factor in business success, including for Micro, Small and Medium Enterprises (MSMEs) in Indonesia. Along with technological developments and increasingly high internet penetration, MSMEs need to adopt digital marketing strategies to increase their competitiveness and sales. This research aims to analyze effective digital marketing strategies for MSMEs in Indonesia to increase sales and expand the market. The method used in this research is a literature study and qualitative analysis of the implementation of digital marketing in several MSMEs in Indonesia. The research results show that digital marketing strategies that can increase MSME sales include the use of social media, content-based marketing, digital advertising, and optimizing e-commerce platforms. Apart from that, the importance of improving digital skills for MSME players and strengthening connections between MSMEs and consumers through digital platforms is a determining factor for success. By implementing the right digital marketing strategy, MSMEs in Indonesia can expand market reach, increase visibility, and ultimately drive significant sales growth. It is hoped that this research can provide insight for MSME players and stakeholders to further optimize digital marketing potential in facing increasingly competitive market challenges.

PEMBERDAYAAN MASYARAKAT BERBASIS PERAIRAN BERKELANJUTAN DALAM PENGOLAHAN RUMPUT LAUT MENJADI CAMILAN CRISPY DI DESA MERTAK Roendah, Baiq Hildha Aulia; Adinegoro, Cahyo; Abror, Haekal Malik; Putri, Juliana; Maulana, M.Aril; Wibawa, Neorista Anggun; Sahara, Nova Nabila; Sopiani, Rani; Rindiani, Saptia; Rahayu, Sefani Cahyo Auliya; Sudiarta, I Wayan
Jurnal Wicara Vol 2 No 5 (2024): Jurnal Wicara Desa
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/wicara.v2i5.5540

Mertak Village is a village with a coastal area that has natural tourism potential and is included in the development area of the Mandalika Special Economic Zone in Central Lombok Regency. To increase the participation of the Mertak Village Community, a community service program was initiated which is directly related to the empowerment of the potential in the waters in Mertak Village, especially the development of seaweed through socialization and management strategies and marketing of processed seaweed products. The Mertak Village community empowerment program aims to improve the community's living standards through processing seaweed into healthy crispy. Seaweed is an abundant natural resource potential in Mertak Village, but so far it has not been utilized optimally. Through this program, the people of Mertak Village are given training and assistance in seaweed cultivation, post-harvest processing into crispy snacks, and marketing strategies. The crispy seaweed snacks produced are expected to be a superior product of the village that has a high selling value and is healthy. This empowerment program is expected to have a positive impact on the economy of the people of Mertak Village, as well as increase public awareness of the sustainable use of natural resource potential.

Pengaruh Good Corporate Governance Terhadap Kinerja Perusahaan Putri, Juliana; Syaiful, Syaiful
Journal of Culture Accounting and Auditing Vol. 4 No. 1 (2025)
Publisher : Universitas Muhammadiyah Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30587/jcaa.v4i1.9568

This study aims to prove the effect of good corporate governance as proxied through independent commissioners, institutional ownership, managerial ownership and audit committees on company performance by manufacturing companies listed on the Bursa Efek Indonesia in 2019-2021. The independent variables used are independent board of commissioners as measured by comparing the number of independent commissioners and the total number of commissioners, then institutional ownership as measured by comparing the number of shares owned by the institution and the number of shares outstanding, then managerial ownership as measured by comparing the number of shares managerial ownership and the number of shares outstanding, and the audit committee as measured by the number of audit committees. The dependent variable used is company’s performance as measured using the Return On Assets (ROA) by comparing the amount of net profit after tax and total assets. Test were carried out using SmartPLS. The results obtained from this study are the independent commissioners and the aduit committee have a significant effect on company performance, while institusinal ownership and managerial ownership have no significant effect on company performance.

Strategi Manajemen Risiko dalam Menghadapi Tantangan Ketidakpastian di Pasar Global Azzuhra, Dirra; Putri, Juliana
Jurnal Ekonomi, Bisnis dan Manajemen Vol. 4 No. 2 (2025): Jurnal Ekonomi, Bisnis dan Manajemen (EBISMEN)
Publisher : FEB Universitas Maritim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58192/ebismen.v4i2.3576

This article discusses risk management strategies in the face of global market uncertainty triggered by the process of globalization and economic interconnection. Through a literature review, it highlights the importance of a proactive, flexible and collaborative approach that integrates various aspects such as politics, economics, technology and human resources. The use of modern technologies such as artificial intelligence (AI) and big data analysis is key in accelerating risk detection and appropriate decision-making. In addition, strengthening human resources, investment diversification, building risk reserves, and cross-departmental and external collaboration are considered key strategies to improve organizational resilience and competitiveness amid global uncertainty. The results of this study provide recommendations for organizations to adopt a comprehensive and sustainable approach to risk management to maintain business stability and sustainability in the era of globalization.

ANALISIS STRATEGI BANK DALAM MENGHADAPI RESIKO KREDIT Siregar, Dewi Primadona_; Putri, Juliana
AL-IQTISHAD : Jurnal Perbankan Syariah dan Ekonomi Islam Vol. 5 No. 1 (2025): AL-IQTISHAD : Jurnal Perbankan Syariah dan Ekonomi Islam
Publisher : Program Studi Perbankan Syariah, Sekolah Tinggi Agama Islam Negeri (STAIN) Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/iqtishad.v5i1.5378

Risiko kredit merupakan salah satu risiko utama yang dihadapi oleh lembaga perbankan dalam menjalankan fungsinya sebagai lembaga intermediasi keuangan. Pengelolaan risiko kredit menjadi aspek vital dalam menjaga stabilitas dan kesehatan bank. Artikel ini bertujuan untuk mengkaji strategi-strategi yang diterapkan oleh perbankan dalam menghadapi risiko kredit berdasarkan hasil analisis literatur dari berbagai jurnal dan publikasi ilmiah. Pendekatan yang digunakan dalam studi ini adalah metode kualitatif dengan teknik analisis literatur untuk mengidentifikasi langkah-langkah sistematis yang dilakukan oleh bank dalam mengelola portofolio kreditnya. Hasil kajian menunjukkan bahwa strategi pengelolaan risiko kredit meliputi penerapan manajemen risiko terstruktur, penggunaan sistem penilaian kredit yang ketat, serta diversifikasi portofolio pinjaman sebagai bentuk pencegahan terhadap konsentrasi risiko. Penelitian ini diharapkan dapat memberikan kontribusi teoretis bagi pengembangan praktik manajemen risiko di sektor perbankan. Dengan meningkatnya kompleksitas layanan keuangan, penting bagi bank untuk terus memperbarui kebijakan manajemen risikonya. Selain itu, pelatihan sumber daya manusia dan pemanfaatan teknologi informasi juga menjadi faktor pendukung dalam efektivitas pengelolaan risiko kredit.

The Influence of Discipline and Work Motivation on Employee Performance at the Medan Amplas District Office Putri, Juliana; Nasution, Siti Ummi Arfah; Zulaili, Zulaili
Primanomics : Jurnal Ekonomi & Bisnis Vol. 23 No. 3 (2025): Primanomics : Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31253/pe.v23i3.3822

This study aims to determine whether work discipline and motivation have partial and simultaneous effects on employee performance at the Medan Amplas District Office. The population of this research consists of al employees at the office, totaling 32 individuals. The sampling technique used is saturated sampling (cencus), where all members of the populations are included inthe sample. Therefore, the sample in this study consists of 32 employees. The research employs a quantitive approach with several tests, including reliability analysis (comprising validity and reliability tests), classical assumption tests (including multicollinearity, autocorrelation, heteroscedasticity, and normality tests), as well as regression analysis, which includes multiple linear regression, t-test, F-test, and the coefficient of determination (R2) test. Based on the analysis of primary data using SPSS 22, the following multiple testing rules regression equation was obtained : Y=20.303+0.329X1+0.224X2+e. The hypothesis testing results show taht, partially, the work discipline variable (X1) has a positive and significant effect on employee performance, as indicated by the t-value being greater than the t-table value. The work motivation Variable (X2) also has a positive and significant effect on employee performance, evidanced by the t-value exceeding the t-table value. Simultaneously, work discipline and motivation have a significant influence on employee performance, as shown by the F-value being greater the F-table value. From these results, it can be concluded thar both work discipline and work motivation positively and significantly affect the performance of employees at the Medan Amplas District Office.

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