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All Journal Primanomics : Jurnal Ekonomi & Bisnis AT-TASYRI' Jurnal Ilmiah Prodi Muamalah AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah J-ISCAN : Journal of Islamic Accounting Research Jurnal Ekonomi, Bisnis dan Manajemen Syarah: Jurnal Hukum Islam dan Ekonomi Journal of Culture Accounting and Auditing Al-Iqtishad Jurnal Wicara Desa
Putri, Juliana
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Mathematics Public Health Social Sciences

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Journal : AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah

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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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Abstract

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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Abstract

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
Co-Authors Abror, Haekal Malik Adinegoro, Cahyo Akmaluddin.MS Andriani, Fitria Azzuhra, Dirra I Wayan Sudiarta Iskandar Iskandar M, Nur Sari Dewi Maulana, M.Aril Mulyani, Rita Rahayu, Sefani Cahyo Auliya Rahmawati, Rahmawati Ratna Sari Dewi Rindiani, Saptia Roendah, Baiq Hildha Aulia Sahara, Nova Nabila sari, Junida Siregar, Dewi Primadona_ Sofian Sauri, Sofian Sopiani, Rani Syaiful . Wibawa, Neorista Anggun Zulaili, Zulaili Zulfa Zulfa Zulfitri, Imran