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PENGARUH RASIO KEUANGAN TERHADAP PEMBIAYAAN MURABAHAH DI BANK PEMBIAYAAN RAKYAT SYARIAH ADECO LANGSA TAHUN 2013-2016 Siagian, Yupin Kirana; Budiman, Iskandar; Kismawadi, Early Ridho
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 1 No 1 (2017): Vol 1 No 1 September 2017
Publisher : Fakultas Ekonomi dan Bisnis Islam

The independent variables in this study are deposits and financial ratios ofsharia banks which consist of NPF and FDR ratios. This study aims todetermine and analyze the effect of DPK, NPF and FDR on Murabahahfinancing in the SRB. This study used secondary data, which is the form ofpublished Financial Statements of banks obtained from the website of BankIndonesia. The bank's financial report used is quarterly financial report atAdeco Langsa Syariah Adequacy Bank. The data were then analysed by usingthe classical assumption method using multiple linear regression analysis,determination coefficient, F test or simultaneous test and t test or partial test.Hypothesis in this research is DPK, and financial ratio of NPF and ROE bankpartially has significant effect to Murabahah financing, while simultaneouslyfrom the three variables have a significant effect on the provision of financing.The method used in this study is multiple regressions. The results of this studyindicated that DPK and FDR variables have no significant effect on murabahahfinancing, while NPF affects.

PEMBANGUNAN EKONOMI KELUARGA PERSPEKTIF ISLAM (STUDI ANALISIS KELUARGA NELAYAN KOTA LHOKSEUMAWE) febi, febi; Budiman, Iskandar
JURNAL EKONOMI DAN BISNIS ISLAM Vol 1 No 1 (2016): Volume I Nomor 1 April 2016
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/v4i1.1235

AbstractThe main problem discussed here is The Domestic Responsibility of Economic Development in Islam, focusing on economic growth analisis of fisherman community in Lhokseumawe. The objective of this discussion is to illustrate the whole things related to right and obligation of husband and wife in the household, particularly the fisherman?s family. This is a qualitative-explorative study. The primary source of data in this study was found from participant observation, questionnaires, and from interview, while the secondary data was collected through document analysis as well as library research which were related to economic growth issues of fisherman?s community. The analysis of data was done through interpretation of proposition which was based on the opinion of Islamic Law Expert (Fuqaha) or Islamic scholars. The result of research shows that Islam recommends that the position of man and women or husband and wife have the same right and obligation based on Islamic Shari?ah. According to Quranic values and Islamic point of view, the position of husband and wife are the same in term of right and obligation in surviving family and educating children, in associating with the community, and also the same right before the law. In case of family economic development, especially for lower scale family as it is experienced by the fisherman?s family in Lhokseumawe, the involvement of wife in working to survive the family is significantly influenced for increasing family income. The efforts of women or wifes to earn for living are very limited because most of the fisherman?s community think that the main responsibility or obligation of earning money to survive the family is burdened exclusively on husband as the head of family. It is necessary to inform and enlighten comprehensively that Islamic Shari?ah has recommended the same right and obligation between husband and wife forimproving welfare of their family.Keywords: Domestic Responsibility, fisherman?s family, economic development

PENGARUH RASIO KEUANGAN TERHADAP PEMBIAYAAN MURABAHAH DI BANK PEMBIAYAAN RAKYAT SYARIAH ADECO LANGSA TAHUN 2013-2016 Siagian, Yupin Kirana; Budiman, Iskandar; Kismawadi, Early Ridho
IHTIYATH : Jurnal Manajemen Keuangan Syariah Vol 1 No 1 (2017): Vol 1 No 1 September 2017
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/ihtiyath.v1i1.678

The independent variables in this study are deposits and financial ratios ofsharia banks which consist of NPF and FDR ratios. This study aims todetermine and analyze the effect of DPK, NPF and FDR on Murabahahfinancing in the SRB. This study used secondary data, which is the form ofpublished Financial Statements of banks obtained from the website of BankIndonesia. The bank's financial report used is quarterly financial report atAdeco Langsa Syariah Adequacy Bank. The data were then analysed by usingthe classical assumption method using multiple linear regression analysis,determination coefficient, F test or simultaneous test and t test or partial test.Hypothesis in this research is DPK, and financial ratio of NPF and ROE bankpartially has significant effect to Murabahah financing, while simultaneouslyfrom the three variables have a significant effect on the provision of financing.The method used in this study is multiple regressions. The results of this studyindicated that DPK and FDR variables have no significant effect on murabahahfinancing, while NPF affects.

PENGARUH PERKEMBANGAN TEKNOLOGI, MEDIA SOSIAL, HARGA, DAN LOKASI TERHADAP PENDAPATAN UMKM DI KOTA LANGSA: MENGEKSPLORASI DINAMIKA SUKSES BISNIS DI ERA DIGITAL Ulfa, Maria; Kurlillah, Anis; Pospos, Ade Fadillah FW; Budiman, Iskandar
Reinforce: Journal of Sharia Management Vol 3 No 1 (2024)
Publisher : Faculty of Islamic Economic and Business (FEBI), Sayyid Ali Rahmatullah State Islamic University (UIN SATU) Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/reinforce.v3i1.9117

This study aims to determine the influence of each variable, namely technological development, social media, price, and location on the income of micro, small, and medium enterprises (MSMEs) in the city of Langsa. The method used is quantitative with multiple regression analysis. The population in this study is micro, small, and medium enterprises (MSMEs) in Langsa City totaling 24,684 units. The sampling technique in this study uses Proportionate Stratified Random Sampling technique with a total of 100 respondents. Based on the test results, the Social Media and Location variables have a significant effect on MSME Income in Langsa City, while Technological Development and Price variables do not have a significant effect on MSME Income in Langsa City. Meanwhile, for the simultaneous test results presented, it can be seen that the Ftest value is 25.810 > the value of Ftable (2.70) and significant at 0.000 < 0.05. Therefore, it can be concluded that the four independent variables, namely Technological Development, Social Media, Price, and Location, simultaneously have a positive and significant effect on MSME Income with an adjusted coefficient of determination (adjusted R2) obtained at 0.446. This indicates that the variables of Technology, Social Media, Price, and Location are able to explain 44.6% of the variation in MSME Income, while the remaining 55.4% is influenced by other variables not examined in this study.

Analisis Potensi Perekonomian Pedagang Kaki-Lima di Kota Langsa Budiman, Iskandar
Jurnal Samudra Ekonomi dan Bisnis Vol 12 No 2 (2021)
Publisher : Fakultas Ekonomi Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jseb.v12i2.3043

This article is based on the results of research, focused on the activities of hawker traders along Cut Nyak Dhien Street, Langsa City. There are more than seventy street vendors with various types of merchandise. The research aims to determine the role of the informal sector street vendors of economically weak groups in obtaining employment, the prospect of developing a culinary tourism business on family economic growth, and additional sources of local revenue. Data obtained through observation, interviews and documentation, and then processed using descriptive analysis techniques. The analysis results showed that street vendors in urban areas are a popular alternative to work. This condition is in synergy with the government program that arranges this area as a center for culinary tourism and is very helpful for traders to increase family income, as well as having an impact on increasing visitors and increasing local income.

The Islamic Perspective on The Improvement of Family Economy in The New Normal Budiman, Iskandar
Samarah: Jurnal Hukum Keluarga dan Hukum Islam Vol 5, No 1 (2021): Samarah: Jurnal Hukum Keluarga dan Hukum Islam
Publisher : Islamic Family Law Department, Sharia and Law Faculty, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/sjhk.v5i1.8389

This paper concerns with how to build a balance of rights and obligations of husband and wife in fulfilling the economic needs of the family, especially in unusual circumstances. The paper aims to give an overall picture of the authority of the husband and wife regarding the domestic and public rights in the family, as well as to deal with the issue on family economy during the Covid-19 pandemic. The study of this paper used the explorative-qualitative research methods, with data obtained by disseminating questionnaires and studying documents related to the responsibilities carried out by the husband and wife. An initial investigation was conducted by taking into account the provisions stipulated in the formal legality of positive law. The data were then analyzed by utilizing a descriptive phenomenological approach through the interpretation of the data obtained from observation, interview, documentation, and literature review. The findings of this study indicate that men and women have equal rights. The concept of nature show that there is normative justification between husband and wife, stating that the domestic responsibilities are closely related to the shared rights and obligations that are balanced within the family and society, and that both husband and wife have the same rights in taking legal actions. In this new normal era, to strengthen the economically weak family in the community requires joint co-operation between the husband and wife so that they can meet the needs of the family and create a harmonious family.

THE INFLUENCE OF TARIQAS IN THE CONTEXT OF RELIGIOUS UNDERSTANDING AND THE STRENGTHENING OF LOCAL CULTURE MOBILITY IN ACEHNESE SOCIETY Budiman, Iskandar
Indonesian Journal of Islamic Studies (IJIS) Vol. 1 No. 1 (2025): Vol. 1 No. 1 Edisi Januari 2025
Publisher : JCI Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62567/ijis.v1i1.800

Aceh is part of Indonesia’s archipelagic region and stands as the initial landing place of Islam. Situated on the western coast of Sumatra Island, this region played host to the peaceful introduction of Islam through Arab traders. The Islamization process, guided by a tasawwuf approach, unfolded smoothly, making it easy for the people of Aceh to embrace the Islamic faith. This underscores the significant role played by the tasawwuf approach and tariqa in the Islamization process. Consequently, the prevailing Islamic thought embraced by the community is infused with the practices of tasawwuf. Tariqa, etymologically meaning a method of practice to achieve a goal, has witnessed a notable increase in its development within the Islamic community. In Sufi terminology, “tariqa” is a form of spiritual practice and soul training aimed at attaining haqiqa (the essence) and ma'rifa (gnosis). These practices and exercises are guided by a spiritual teacher known as a “mursyid” (guide) because the journey between Sharia and haqiqa, according to Sufi scholars, must traverse seven great mountains. Islam significantly influences the way of life in Aceh society, with its people adhering firmly and with a commitment to religious teachings. In essence, Islam is a way of life for the people of Aceh. Over time, Acehnese society has changed its outlook on life. Some individuals practice specific tariqa to draw closer to the Creator. Tariqas such as Qadiriyya, Shattariyya, and Naqshbandiyya are among those that have developed in Indonesia. Engaging in the practices of these tariqas will influence the behavioral patterns of society. Moreover, the religious understanding among the community will change. In other words, the evolving tariqa brings a distinctive spiritual enthusiasm to the religious life of Acehnese society.

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