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Marliyah, Marliyah
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Pengaruh Persepsi Nasabah Dan Keunggulan Produk Terhadap Kepuasan Nasabah Pada Produk Cicil Emas BSI Kc Kuta Cane Ritonga, Vera Ayu Ningsih; Marliyah, Marliyah; Anggraini, Tuti
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 14, No 1 (2024)
Publisher : Universitas Alma Ata

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Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh persepsi nasabah dan keunggulan produk terhadap kepuasan nasabah produk cicil emas pada BSI KC Kuta Cane. Penelitian ini adalah penelitian kuantitatif dengan metode survey dengan penyebaran kuesioner sebagai instrumen. Responden dalam penelitian ini adalah masyarakat Kuta Cane. Proses pengambilan sampel menggunakan probability sampling. Teknik analisis data yang digunakan menggunakan SPSS. Hasil penelitian ini menunjukkan bahwa persepsi nasabah dan keunggulan produk secara parsial berpengaruh positif dan signifikan terhadap kepuasan nasabah produk cicil emas pada BSI KC Kuta Cane.
Evaluation of the Compatibility of the Bpkh Hajj Financing Scheme with Sharia Finance Principles in Medan City Asriadi, Ari; Marliyah, Marliyah; Siregar, Saparuddin; Muhammedi, Ssonko
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 14, No 2 (2024)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21927/jesi.2024.14(2).%p

Abstract

This research aims to evaluate the suitability of the BPKH hajj financing scheme with Sharia financial principles in Medan City. In facing economic complexity and developing values, the Hajj Financial Management Agency (BPKH) needs to continue to innovate. The research used a qualitative approach with a focus on Sharia principles, involving analysis of official BPKH documents, financing policies, and in-depth interviews with Hajj pilgrims. Asil shows a strong commitment to the prohibition of usury, with an investment mechanism by Sharia principles. Evaluations from BPKH, MUI, and the Ministry of Religion show support and efforts to increase transparency. Although the majority of Hajj pilgrims are satisfied, there are concerns regarding transparency and distribution of benefits. BPKH leaders stand out as champions of Sharia principles, while Hajj pilgrims' hopes include increased transparency and fair distribution of benefits. In conclusion, the scheme has made positive progress but needs further focus on transparency and distribution of benefits.
PENERAPAN AKAD MUDHARABAH DALAM PRODUK TAKAFUL DANA PENDIDIKAN PADA PT. TAKAFUL KELUARGA CABANG MEDAN: Indonesia Aqilah, Rakha; Marliyah, Marliyah; Ikhsan Harahap, Muhammad
ECONOMOS Vol 3 No 02 (2023): Bisnis dan Ekonomi
Publisher : KELOMPOK KOMUNITAS LABORATORIUM PENELITIAN (COMMUNITY OF RESEARCH LABORATORY)

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Abstract

Penelitian ini bertujuan untuk mengetahui penerapan akad mudharabah dalam produk asuransi syariah pada PT. Takaful Keluarga Cabang Medan, mengetahui sistem perhitungan bagi hasil pada produk asuransi syariah pada PT. Takaful Keluarga Cabang Medan dan mengetahui kesesuaian penerapan akad mudharabah di PT. Takaful Cabang Medan dengan Fatwa Dewan Syariah Nasional No:115/DSN-MUI/IX/2017. Jenis penelitian yang digunakan yaitu penelitian kualitatif. Dengan menggunakan teknik pengumpulan data dengan cara wawancara dan dokumentasi. Adapun hasil penelitian ini menunjukkan bahwa PT. Takaful Keluarga cabang Medan menetapkan akad mudharabah pada produk takaful dana pendidikan (fulnadi). PT. Takaful Keluarga Cabang Medan menetapkan sistem perhitungan bagi hasil melalui kesepakatan pembagian keuntungan yang ditetapkan pada rasio bagi hasil atau nisbah antara peserta asuransi sebesar 85% dan pihak perusahaan asuransi takaful sebesar 15% . Pada perhitungan bagi hasil kedua belah pihak tidak akan mendapatkan bunga, tetapi akan mendapatkan bagi hasil atau profit and loss sharing dari hasil kesepakatan bersama. Penerapan akad mudharabah dan sistem perhitungan bagi hasil pada produk PT. Takaful Keluarga Cabang Medan sudah sesuai dengan Fatwa DSN No:115/DSN-MUI/IX/2017.
Analysis of the implementation of the waqf core principles on institutional financial performance waqf in Tanjungbalai, North Sumatera Suhailah, Suhailah; Ramadhan, Muhammad; Marliyah, Marliyah
International Journal of Financial, Accounting, and Management Vol. 6 No. 2 (2024): September
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ijfam.v6i2.1629

Abstract

Purpose: To analyze the effect of implementing a legal foundation, waqf supervision, good waqf governance, risk management, and Sharia governance on the financial performance of waqf institutions. Research Methodology:  The research approach used in this study is a quantitative approach, with an associative type of quantitative research and a correlational quantitative research design that examines the relationship between two variables. The research data were analyzed using the SPSS statistical software. Results: The implementation of legal foundation, waqf supervision, good waqf governance, risk management, and Sharia governance have a positive and significant effect on the financial performance of the waqf institution in Tanjungbalai city. Then, based on the multiple linear regression equation, the variable that has the greatest influence on the financial performance of the waqf institution (Y) is good waqf governance (X3), followed by risk management (X4), Sharia governance (X5), legal foundation (X1), and Waqf supervision (X2). Limitations: As the scope of the search is not biased, it can focus more on avoiding errors in the objectives to be achieved. This study focuses on the implementation of the Waqf Core Principles for the financial performance of waqf institutions. Contributions: The results of this study may constitute a reference and provide information for future researchers who will discuss the development of waqf in North Sumatra. Thus, this research can be used as an input for recommendations to improve staffing institutions. The results of this study can be used as a basis for further study, revision, and development than previous research.
Analisis Sitem Informasi Akuntansi Penggajian dan Pengupahan Dalam Meningkatkan Pengendalian Intern Pada PT. POS Indonesia (Persero) Kantor Cabang Binjai 20700 Andi Putri, Fahresya Nuradinda; Marliyah, Marliyah; Lubis, Arnida Wahyuni
Journal of Computer Science and Information System(JCoInS) Vol 5, No 1: JCOINS | 2024
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jcoins.v5i1.5570

Abstract

This research aims to analyze the payroll and wage accounting information system that has been implemented by PT. Pos Indonesia (Persero) Binjai Branch and analyzing the payroll accounting information system to improve internal control. This type of research is qualitative research, which uses a qualitative descriptive analysis approach, data collection techniques using interview method analysis, which focuses on the Payroll accounting information system and Internal Control System at PT. Pos Indonesia (Persero) Binjai Branch. Data analysis in research begins by analyzing related functions, supporting documents, accounting records used, procedural networks and the effectiveness of internal control. The research results found evidence that the payroll system at PT. Pos Indonesia (Persero) Binjai Branch has been running quite effectively but there are still several shortcomings, where every time there is a change in salary and wages there is no provision from the management for changes in salary and wages, that is without showing a decision letter for changes to employee salaries and wages so that fraud can occur, Fair practices applied to support internal control are by transferring employees' basic salaries to each employee's account by the director and making duplicate salary slips, and employee negligence in absent fingerprints or barcodes, as well as having duplicate duties in the payroll accounting information system and Remuneration.
Struktur Pasar dalam Pandangan Islam Amin, Haris Al; Marliyah, Marliyah; Harianto, Syawal; Husna, Asmaul; Waqqosh, Abi
Jurnal EMT KITA Vol 5 No 2 (2021): JULY-DECEMBER 2021
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v5i2.448

Abstract

Market structure in Islam is based on the principle of freedom, including in carrying out economic activities but is still limited by rules without neglecting the principles of responsibility and justice. Fair in this case is not detrimental to consumers or producers, related to producer surplus and consumer surplus. In Islam, Muslims are encouraged to try anything as long as they are still within the corridor of sharia, meaning that as long as the effort does not violate the provisions stipulated by Allah SWT. Likewise, in terms of carrying out economic activities, everything is permissible as long as it does not violate these rules. One of the economic activities can be seen in the market, where sellers and buyers meet to make transactions for goods or services, both in the form of production and pricing.
Pengaruh Harga Emas Dunia, Jumlah Uang Beredar, Inflasi, dan Zakat terhadap Indeks Saham Syariah Indonesia (ISSI) Hani, Zulfa; Marliyah, Marliyah; Yanti, Nursantri
JIEP: Jurnal Ilmu Ekonomi dan Pembangunan Vol 6, No 2 (2023)
Publisher : PPJP Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/jiep.v6i2.10441

Abstract

This research aims to determine the long-term and short-term impact of world gold prices, money supply, inflation, and zakat on the Indonesian shariah stock indices (ISSI). The dependent variables applied in this study are the world's gold price, money supply, inflation, and zakat. By applying the vector error correction model (VECM) analysis method in the series, data was interpolated to monthly data for 2017-2021. Secondary data is the form of data applied in this study using the Eviews 10 program. This is due to several factors influencing the index that changes the Islamic capital market by representing Indonesian stocks. Based on the results of hypothesis testing, the concluding are accepted in the form of long-term relationships between world gold prices and money supply influence it. In the short term, each dependent variable does not affect the ISSI.
Pengaruh Kepribadian terhadap Kinerja Pegawai pada PT. Telkom Akses Medan Ruchiyani, Yolanda; Marliyah, Marliyah
Jurnal Pendidikan Tambusai Vol. 5 No. 3 (2021): 2021
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v5i3.2393

Abstract

Kepribadian ialah faktor terbaik yang mampu digunakan untuk memprediksi kinerja pegawai. Variabel tersebut mampu digunakan untuk memprediksi kinerja pegawai secara konspetual meskipun tidak mendukung kinerja pegawai secara teknis Tujuan penelitian ini adalah untuk membuktikan dan menganalisis pengaruh kepribadian terhadap kinerja pegawai pada PT. Telkom Akses Medan. Metode yang digunakan dalam penelitian ini ialah metode survey dengan pendekatan kuantitatif. Adapun yang menjadi populasi penelitian ini yaitu Pegawai PT. Telkom Akses Medan. Hasil penelitian menunjukkan bahwa Kepribadian berpengaruh positif dan signifikan terhadap Kinerja Pegawai PT. Telkom Akses Medan. Begitupun dengan diskripsi hasil kepribadian menunjukkan hasil yang sangat baik serta nilai korelasi pada Kepribadian dengan Kinerja Pegawai Pada PT. Telokm Akses Medan memiliki nilai yang kuat dan juga posisi yang kuat
Analisis Peran Perkembangan Financial Technology Berbasis Syariah : Peer To Peer Lending Dan Crowdfunding Di Indonesia Yuannisa, Rizka Adlia; Nasution, Rizka; Marliyah, Marliyah
Jurnal Sains dan Teknologi Vol. 5 No. 2 (2023): Jurnal Sains dan Teknologi
Publisher : CV. Utility Project Solution

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Abstract

Kemajuan teknologi sudah dirasakan hampir seluruh ummat manusia dimuka bumi terkhusus Indonesia hasil revolusi Industry 4.0 dan Social 5.0 menjadi sentrum dalam menjalankan kegiatan politik, ekonomi, sosial, bahkan dalam lingkungan Pendidikan. crowdfunding adalah jenis penggalangan dana yang bersumber dari banyak investor melalui platform berbasis online partisipatif yang dimaksudkan untuk membiayai usaha yang terdaftar di platform tersebut. Penelitian ini menggunakan metode deskriptif kualitatif. Dari penelitian yang sudah dilakukan oleh peneliti, dapat diambil lesimpulan bahwa hasil penelitian ini menunjukkan perkembangan fintech peer to peer lending dan crowdfunding di Indonesia mengalami pertumbuhan.
Pelaksanaan Prinsip Syariah Pada Hotel RedDoorz Syariah Medan Dihubungkan Dengan Fatwa DSN MUI Nomor 108/DSN-MUI/X/2016 Syahfitri, Rina; Marliyah, Marliyah; Syahriza, Rahmi
Jurnal Manajemen Akuntansi (JUMSI) Vol 3, No 2: 2023
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v3i2.4086

Abstract

Sharia Hotel is a hotel that in the provision, procurement, and use of products and facilities and in business operations does not violate sharia rules, trying with its system to minimize and eliminate the possibility of misuse of facilities by service users. This study aims to determine, first how the implementation of sharia principles in RedDoorz Syariah Medan hotel, second how the practice of implementing Fatwa DSN MUI number 108/DSN-MUI/X/2016 on the implementation of tourism based on sharia principles in RedDoorz Syariah Medan Hotel. This research was conducted at Reddoorz Syariah Medan Hotel. The approach of research conducted in this study is descriptive qualitative, with data collection methods that are in-depth interviews (interview) and as a support using documentation studies and literature searches in accordance with the problems discussed. The results of the study concluded that the first implementation of Sharia principles at RedDoorz Syariah Medan hotel turned out to be still many shortcomings, including they do not provide facilities and means of worship, for example there is no musolah, mukenah and Quran. the interior of RedDoorz Syariah also does not have Islamic elements. But RedDoorz Syariah Hotel has implemented sharia principles on products, processing and services, both practices of implementing Fatwa DSN MUI No. 108/DSN-MUI/X / 2016 concerning the guidelines for the implementation of tourism based on Sharia principles at the RedDoorz Syariah Medan Hotel still do not meet the elements in the fatwa. Many elements that have not been fulfilled such as certificates from the MUI, both for food or the Hotel itself, there are no facilities, tools and means of worship, do not have hotel service procedures manuals and do not cooperate with Islamic Financial Institutions in performing services.
Co-Authors - Afrizal A. Rasyid, Sofya Abd.Majid, M.Shabri Abduh, Arridho Abdul Majid, Shabri Abdul Muis Abdul Rahim Saleh Agisty Fiannisa Agustin, Lismaini Ahmad Fadli Ahmad Syakir Ahmadi Bi Rahmani, Nur Aini, Ihdi AK, Marlya Fatira Alfi Amalia Alfi, Laila Amin, Haris Al Amiruddin Amiruddin Amsari, Syahrul Andi Putri, Fahresya Nuradinda Andrean, Piter Andri Soemitra Annesca, Elfara Aqilah, Rakha Aqwa Naser Daulay Arianja, Haidir Arifah, Iif Arifin Arifin Arifin Fauzi Lubis Arnida Wahyuni Lubis Asmaul Husna Asriadi, Ari Aswinanta, Asrul Aulia, Lina Awaliya, Awaliya Ayu Kartika Sari Ayunda, Antin Azahar Siregar, Rahmat Azhari Akmal Tarigan Barus, Dana Syahputra Batubara, Maryam Berutu, Irsyadiah Dermaini Bi Rahmani, Nur Ahmadi br Rangkuti, Putri Apriyani Bunga Dwi Fani Ritonga Cania, Ema Saswita Caniago, Putri Ranggaini Chairani, Zizah Daulay, Muthia Aulia Azhari Dewi, Nurul Aulia Dharma, Budi Dhian Rosalina, Dhian Dina Arfianti Siregar Dua, Patta Erwin SP, M. Fachrina, Rifka Fadhila Rahma, Tri Inda Fajarillah Sitohang, Sahala Falahuddin, Falahuddin Fatimah zahrah Harahap Fattonah, Rindang Dwi Fauzan , M. Fauzi, Muhammad Firdaus, Rayyan Fitrah, Habib Fitri, Mulyana Fitri, Syahruna Fuadi Fuadi Gaja, Enita Indramayani Gea, Dalmaisyah hafiz, Achmad Al-Hafiz Lubis Halimatussakdiyah Halimatussakdiyah, Halimatussakdiyah Hamdun, Nizar Hani, Zulfa Harahap, Arman Syafii Harahap, Aswan Nawawi Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Haris Al Amin Hasanah, Annisa Javalia Hasibuan, Muhammad Rizal Hasmari Noer Hendra Hendra Hilman Fauzi, Hilman Hutagalung , M. Wandisyah R. Ibrahim, Patmawati Bte Hj Ikhsan Harahap, Muhammad Imsar, Imsar Irma Suryani Lubis Irwan Irwan Irwansyah Putra Marpaung Ismail Ismail Ismail Jarwati, Nega Jaya, Kasman Juhji, Juhji Juliana Nasution Kamila, Kamila Kamilah K Kaswinata, Kaswinata Kesuma, Suci Andini Khairunnisa, Ira Amalia Khinaya, Mutiara Kresna Riady, Dwi Kurnia, Ahmad Laseari, Indah Lubis, Farah Fadhila Lubis, Rafika Amalia Lubis, Rizky Aulia Luh Putu Ratna Sundari M. Ridwan M. Shabri Abd. Majid Manurung, Sakinah Halim Maulia Pratidina MayaPutra, Muhammad Umar Meutia Dewi, Meutia Mohoridju, Sufian Muhammad Agung Muhammad Arif Muhammad Ramadhan Muhammad Ramadhan muhammad Syahbudi, muhammad Muhammad Syukri Albani Nasution Muhammad Yafiz, Muhammad Muhammedi, Ssonko Mukhlis Mukhlis Munifan, Munifan Munthe, Yuli Noviah Muslim, Rany Nasrun, Muhammad Syaifuddin Nasution, Adanan Murroh Nasution, Edi Marjan Nasution, Ferdi Dermawan Nasution, Hamidah Fadly Nasution, Juliana Nasution, Junita Muharani Nasution, Muhammad Irwan Padli Nasution, Nurdin Nasution, Rizka Nasution, Rizki Aulia Putri Mujur Natzmi, Alvi Nazli, Putri Neila Susanti Nofinawati Nofinawati, Nofinawati Nst, M. Ziqhri Anhar Nur Fadhilah Ahmad Hasibuan Nurbaiti , Nurbaiti Nurganti, Nurganti Nurlaili Nurlaili Nurlita, Okky Budi Nursantri Yanti Nurul Inayah Nurwani Nurwani, Nurwani Pratama, Muhammad Rifky Puspita, Rini Putri, Diva Anisyah Putri, Rafika Chudriana Rafli, Mhd Rahma, Tri Inda Fadhila Rahmani, Nur Ahmadi Bi Rahmat Daim Harahap Rahmawati, Widya Ayu Rahmi Syahriza, Rahmi Raihanah Daulay Ratnawati Ratnawati Ratni, Ratni Ridho Erianto Rifaldi Dwi Syahputra Rispan, Rispan Rita Handayani, Rita Ritonga, Vera Ayu Ningsih Romadhoni, Fajri Rosalina Simbolon, Linda Royhan Alihasim Hutapea Ruchiyani, Yolanda Sabri Abd. Majid, M. Sabrina, Zafira Sagala, Syarah Asda Pratiwi Sahri, Riadil Jannah Salsabilla, Salsabilla Saparuddin Siregar Saprinal Manurung Saputra, Julfan Shabri Abd. Majid, M Shifa, Mutiara Silalahi, Purnama Ramadani Simahatie, Mai Siregar, Haposan Matua Siregar, Lanina Siregar, Pani Akhiruddin Siregar, Tetty Handayani Siregar, Zulhazzi Siti Aisyah Siti Hansyah Dewi Zai Solly Aryza Sri Jumiati, Sri Sri Sudewi sri sudiarti Sri Wahyuni Suci Indah Sari Sudarmansyah, Sudarmansyah Sugianto Sugianto Suhailah, Suhailah Suripto, Rahul Al Fatah Syahfitri, Rina Syahida, Tiara Nurul Syahputra, Angga Syahraini, Syahraini Syamsul Bahri Syawal Harianto, Syawal Tanjung, Selvira Wardani Tiara Fitriani Fadilah Tuti Anggraini Virdinia, Thasya Waeno, Muhamadaree Wahyu Syarvina Waqqosh, Abi Wifka Yunita Wiwik Handayani Yanti Sirait, Frida YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yuannisa, Rizka Adlia Zahrowaini, Taqiya Zaimsyah, Annisa Masruri Zuhrinal M. Nawawi ‘Alimah, Nur