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All Journal Jurnal Manajemen Terapan dan Keuangan Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura Jurnal EMT KITA SEIKO : Journal of Management & Business JOURNAL OF APPLIED BUSINESS ADMINISTRATION Journal of Humanities and Social Studies At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Sains dan Teknologi Ilomata International Journal of Management LAN TABUR: Jurnal Ekonomi Syari’ah BASKARA: Journal of Business and Entrepreneurship EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Al-Manhaj: Jurnal Hukum dan Pranata Sosial Islam Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Ilomata International Journal of Management JURNAL MANAJEMEN AKUNTANSI (JUMSI) Jurnal Media Informatika International Journal of Education, Social Studies, And Management (IJESSM) Bima Journal : Business, Management and Accounting Journal Humantech : Jurnal Ilmiah Multidisiplin Indonesia Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) INTERNATIONAL JOURNAL OF EDUCATION, INFORMATION TECHNOLOGY, AND OTHERS Journal of Student Development Informatics Management (JoSDIM) Bursa : Jurnal Ekonomi dan Bisnis Moneter : Jurnal Keuangan dan Perbankan Madani: Multidisciplinary Scientific Journal Amkop Management Accounting Review (AMAR) JER
Harahap, Rahmat Daim
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ANALISIS PENGARUH DANA ALOKASI UMUM (DAU) DAN PENDAPATAN ASLI DAERAH (PAD), TERHADAP PERTUMBUHAN EKONOMI DI KABUPATEN DELI SERDANG DENGAN BELANJA DAERAH SEBAGAI VARIABEL INTERVENING Harahap, Rahmat Daim; Harahap, Muhammad Ikhsan; Syari, Meilya Evita
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 5, No 2 (2019): DESEMBER 2019
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v5i2.1888

Abstract

The government hold significant role in the implementation of fiscal economy policy to achieve the main goal of development: high economic growth, decrease of unemployment, and control of inflation, income and expenditure that can be used in increasing economic growth. Regional incomes are locally-generated revenue, General Allocation Fund. Meanwhile, cost is regional expenditures. Thus, this study is aimed to determine the influence of the General Allocation Fund and Regional income on economic growth with the role of Regional Expenditure as an intervening variable. The study was located on Deli Serdang Regency. This is a quantitative research with multiple linear regression analysis by using SPSS. The result shows that General Allocation Fund and Regional income influence the economic growth, meanwhile regional expenditures mediates between General Allocation Fund and Regional income on economic growth.
ANALISIS FAKTOR-FAKTOR YANG MEMENGARUHI ASET BPRS Harahap, Muhammad Ikhsan; Harahap, Rahmat Daim
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 5, No 1 (2019): JUNI 2019
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (798.907 KB) | DOI: 10.24952/tijaroh.v5i1.1645

Abstract

AbstractSharia Rural Banks (BPRS) are one of the sharia financial institutions that function the same as Sharia Commercial Banks (BUS) and Sharia Business Units (UUS), only BPRS have fewer assets compared to more economical and micro BUSs. There is some empirical evidence that affects the assets of the claimed BPRS, namely Inflation, Bank Indonesia Interest Rate (BI Rate), Equivalent Rate, and Return on Asset (ROA) ratio. This research is quantitative research, with multiple linear regression analysis that is processed using software Eviews 8. The results of the research are obtained from the valuation and the level of Equivalent to BPRS assets, while the BI rate and ROA affect the assets of the BPRS. Overall, the independent variable affect the assets of the BPRS. Keyword : Asset, Equivalent Rate, BPRS.Abstrak            Bank Perkreditan Rakyat Syariah (BPRS) merupakan salah satu lembaga keuangan syariah yang fungsinya sama dengan Bank Umum Syariah (BUS) dan Unit Usaha Syariah (UUS), hanya saja BPRS memiliki aset yang lebih sedikit jika dibandingkan dengan BUS sehingga fokus pembiayaannya hanya pada sektor kecil dan mikro. Ada beberapa bukti empiris yang memengaruhi asset BPRS diantaranya yaitu Inflasi, Suku Bunga Bank Indonesia (BI Rate), Equivalent Rate,  dan rasio Return On Aset (ROA). Penelitian ini adalah penelitian kuantitatif, dengan analisis regresi linier berganda yang diolah dengan menggunakan software Eviews 8. Hasil penelitian diperoleh bahwa inflasi dan Equivalent Rate berpengaruh terhadap aset BPRS, sedangkan BI rate dan ROA tidak berpengaruh terhadap asset BPRS. Secara simultan seluruh variabel bebas berpengaruh terhadap aset BPRS.Kata Kunci : Aset, Equivalent Rate, BPRS.
Strategi Pengembangan Pasar Digital dalam Mendukung Industri Fashion Halal Di Indonesia Daulay, Aisy Salwa; Imsar, Imsar; Harahap, Rahmat Daim
AL-MANHAJ: Jurnal Hukum dan Pranata Sosial Islam Vol 5 No 1 (2023)
Publisher : Fakultas Syariah INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/almanhaj.v5i1.2918

Abstract

Pasar digital di Indonesia mengalami perkembangan yang cukup signifikan. Perkembangan tersebut dimanfaatkan oleh masyarakat Indonesia yang bermayoritas memeluk agama islam. Menerapkan pola hidup halal adalah hak setiap muslim dalam melakukan jual beli. Pasar digital menyesuaikan dengan pola hidup masyarakat Indonesia, dengan cara menghadirkan fitur halal. Namun industri halal di Indonesia memiliki perbedaan perkembangan antar sektor, hal ini membuat penulis tertarik untuk mengangkat penelitian terkait perkembangan industri fashion halal yang cukup berkembang dibanding sektor lainnya. Dilaksanakannya penelitian ini untuk mengetahui strategi pengembangan pasar seperti apa yang tepat dalam mendukung industri fashion halal di Indonesia. Penelitian ini menggunakan pendekatan kualitatif dengan menggunakan analisis SWOT untuk mengetahui kekuatan, kelemahan, peluang dan ancaman pasar. Analisis dilihat dari matrik IFE dan EFE yang diperoleh dari informan yang merupakan penjual produk fashion halal di pasar digital. Hasil penelitian menunjukkan bahwa strategi agresif adalah staregi yang tepat dalam mendukung fashion halal untuk terus memaksimalkan kekuatan serta peluang yang ada. Dengan banyaknya jumlah masyarakat muslim di Indonesia, maka pasar digital dapat memanfaatkan teknologi yang berkembang sehingga halal e-commerce dapat menjadi upaya dalam mendorong pengembangan industri fashion halal di Indonesia.
Pendekatan Sharia Conformity dan Profitability Index dalam Menilai Kinerja Bank Umum Syariah Melalui Pertumbuhan Dana Pihak Ketiga Harahap, Rahmat Daim; Imsar, Imsar; Ramadhani, Hafiz Aryo
Bursa : Jurnal Ekonomi dan Bisnis Vol. 2 No. 3 (2023): September 2023
Publisher : Lembaga Riset Ilmiah, Yayasan Mentari Meraki Asa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jeb.v2i3.346

Abstract

Analyzing the growth of third-party funds through Sharia Income, Profit Sharing, Return on Assets, and Net Profit Margin in Sharia Commercial Banks for the 2016-2020 period is the aim of this research. The fluctuating movement of growth in Third Party Funds from year to year, both in terms of nominal and total, is an interesting thing to study in this research. The research method uses a quantitative approach with secondary data sources obtained from the official website of the Financial Services Authority (OJK), Sharia Banking Statistics (SPS), and the official website of each Islamic commercial bank. The sample uses a purposive sampling method. The analysis technique used is a multiple linear regression test using the SPSS 21 analysis tool. The results of this research show that the Sharia Income, Profit Sharing, ROA, and NPM variables together (simultaneously) have a positive and significant influence on the growth of Party Funds. Third BUS. Partially, the variables Sharia Income, Profit Sharing, ROA, and NPM have an influence on the Growth of Third Party Funds with a significance value of <0.05. Then there is a relationship between Sharia Income, Profit Sharing, ROA, and NPM on the Growth of Third Party Funds of Sharia Commercial Banks of 53.6% while the remaining 46.4% is explained by other factors outside the regression model of this research. Menganalisis pertumbuhan dana pihak ketiga melalui Pendapatan Syariah, Bagi Hasil, Return on Assets dan Net Profit Margin pada Bank Umum Syariah periode 2016-2020 menjadi tujuan penelitian ini. Pergerakan pertumbuhan Dana Pihak Ketiga yang berfluktuasi dari tahun ke tahun baik nominal maupun total menjadi hal yang menarik untuk dikaji dalam penelitian ini. Metode penelitian menggunakan pendekatan kuantitatif dengan sumber data sekunder yang diperoleh dari situs resmi Otoritas Jasa Keuangan (OJK), Statistik Perbankan Syariah (SPS), dan situs resmi masing-masing bank umum syariah. Sampelnya menggunakan metode purposive sampling. Teknik analisis yang digunakan adalah uji regresi linier berganda dengan menggunakan alat analisis SPSS 21. Hasil penelitian menunjukkan bahwa variabel Pendapatan Syariah, Bagi Hasil, ROA dan NPM secara bersama-sama (simultan) mempunyai pengaruh positif dan signifikan terhadap pertumbuhan Dana Partai. BUS Ketiga. Secara parsial variabel Pendapatan Syariah, Bagi Hasil, ROA, dan NPM mempunyai pengaruh terhadap Pertumbuhan Dana Pihak Ketiga dengan nilai signifikansi < 0,05. Kemudian terdapat hubungan Pendapatan Syariah, Bagi Hasil, ROA, dan NPM terhadap Pertumbuhan Dana Pihak Ketiga Bank Umum Syariah sebesar 53,6% sedangkan sisanya sebesar 46,4% dijelaskan oleh faktor lain di luar model regresi penelitian ini
Analisis Pengukuran Kinerja Perbankan Syariah dengan Menggunakan Metode Angels (Studi Kasus pada Bank Syariah Indonesia KCP. Medan Ringroad) Kurniawati, Endang; Imsar; Harahap, Rahmat Daim
Jurnal EMT KITA Vol 7 No 4 (2023): OCTOBER 2023
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.v7i4.1646

Abstract

In assessing the performance of Islamic banks, it is not only seen from their financial reports, but also based on the concept of IMAN (Islamic values-based performance assessment), which is the embodiment of the Islamic values dimensions, namely: ibadah (worship), muamalah (transactions), amanah (trustworthiness), and ihsan (excellence). The assessment system for the health of Islamic banks referred to here is ANGELS. ANGELS is an acronym for Amanah management, non-economic wealth, Give out, Earnings, Capital and assets, Liquidity and sensitivity to market, and socio-economic wealth. Each factor of ANGELS is part of the "process," "outcomes," and "stakeholders." This study aims to analyze and assess the performance of PT. BSI KCP Medan Ringroad using the Angels Method. This research is qualitative in nature and the data is obtained through interviews with several sources from PT. BSI KCP Medan Ringroad. Secondary data can be obtained from the financial statements of PT. BSI KCP Medan Ringroad. The data analysis technique used is observation and interviews. The data analysis includes data reduction, data presentation, and conclusion drawing. The results of this study indicate that PT. BSI KCP Medan Ringroad is considered healthy, as evidenced by the Angels method in measuring the performance and health level of the bank, which shows good results.
Effect of Self-Service Technology on Customer Satisfaction in Islamic Banks in Indonesia : FEBI UINSU Students Nugraha, Agung; Harahap, Rahmat Daim; Syarvina, Wahyu
Ilomata International Journal of Management Vol. 5 No. 3 (2024): July 2024
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v5i3.1217

Abstract

With the advancement of technology, particularly in the banking sector, innovations like ATMs and Mobile Banking have significantly evolved. However, there are accompanying challenges such as security vulnerabilities and network disruptions, which can lead to customer apprehension and dissatisfaction. This research aims to explore the impact of Digital Banking with Self-Service Technology (ATM and Mobile Banking) on Customer Satisfaction in Sharia Banks. The study employs a quantitative research approach with primary data collected through questionnaires from a sample of 50 respondents. Data analysis utilizes SPSS version 23. The findings indicate that both M-Banking and ATM services significantly influence customer satisfaction. Statistical tests, including partial and simultaneous tests, reveal significance levels < 0.05, underscoring the impact of M-Banking and ATM services on enhancing customer satisfaction. Implications from this research underscores the critical role of M-Banking and ATM services in shaping customer satisfaction within Sharia Banks. By addressing security concerns and optimizing network reliability, banks can enhance customer trust and loyalty. Insights from this study can guide banks in refining their digital strategies, improving service quality, and ultimately fostering stronger customer relationships in the digital banking era.
Analysis of the Influence of Customer Satisfaction on Mobile Banking Services at One of the State Owned Banks in Medan Nasution, Ferdi Dermawan; Harahap, Rahmat Daim
International Journal Of Education, Social Studies, And Management (IJESSM) Vol. 4 No. 2 (2024): The International Journal of Education, Social Studies, and Management (IJESSM)
Publisher : LPPPIPublishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52121/ijessm.v4i2.243

Abstract

This research aims to determine the influence of mobile banking user-friendliness, mobile banking usage risks, and mobile banking service features on mobile banking services, both simultaneously and partially. The sample used in this study consisted of 30 participants. The research method employed a quantitative descriptive approach with multiple linear regression analysis techniques. The results of this study indicate that simultaneously, the variables of mobile banking user-friendliness and mobile banking service features have a positive and significant impact on customer satisfaction with mobile banking services. Partially, only the variable of mobile banking usage risks has a positive but nonsignificant influence on mobile banking services. The influence of service quality found in mobile banking is 58%, while 42% is influenced by other variables outside of this regression model.
Analisis Faktor-Faktor Penyebab Terjadinya Wanprestasi Dalam Penyelesaian Produk Pembiayaan Multijasa Di Pt. Bprs Al-Washliyah Krakatau Hasibuan, Hamidah Rohimah; Imsar, Imsar; Harahap, Rahmat Daim
Jurnal Sains dan Teknologi Vol. 5 No. 2 (2023): Jurnal Sains dan Teknologi
Publisher : CV. Utility Project Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Hadirnya BPRS Al-Washliyah di kalangan masayrakat kota medan sangat membantu kehidupan masyarakat terutama dalam hal pendidikan, kesehatan perkawinan, perjalanan umroh dan hal lain-lainnya yang sifatnya konsumtif. yang terdapat pada produk pembiayaan multijasa. Namun demikian terlepas dari semua keringanan Pembiayaan yang telah diberikan oleh pihak BPRS Al-Washliyah masih saja ada beberapa nasabah yang tidak melaksanakan kewajiban nya dalam membayar angsuran secara tepat waktu. Wanprestasi adalah keadaan dimana nasabah tidak memenuhi atau lalai melaksanakan kewajiban sesuai dengan sebagaimana yang telah ditentukan dalam perjanjian Tujuan dari penulisan skripsi ini untuk mengetahui faktor-faktor penyebab terjadinya wanprestasi pada pembiayaan multijasa di PT. BPRS Al-Washliyah Krakatau. Beserta bagaimana penyelesaian wanprestasi yang dilakukan oleh pihak BPRS Al-Washliyah. Metode pada penelitian ini adalah metode kualitatif deskriptif, dengan wawancara mendalam sebagai alat pengumpul data. Hasil penelitian ini menyatakan bahwa wanprestasi terjadi karena faktor internal. Dalam Pelaksanaan pemberian pembiayaan BPRS Al-Washliyah Krakatau. Adapun tujuan penelitian untuk mengetahui apa dampak penyebab terjadinya wanprestasi dalam produk pembiayaan Multijasa pada  PT. BPRS Al-Washliyah  Krakatau dan mengetahui bagaimana strategi penyelesaiaan wanprestasi pada produk pembiayaan  Multijasa pada  PT. BPRS Al-Washliyah  Krakatau.
Analisis Faktor-Faktor Yang Mempengaruhi Tingkat Konsumsi Rumah Tangga Petani Di Kecamatan Pantai Cermin Suwarni, Suwarni; Rahma, Tri Inda Fadhila; Harahap, Rahmat Daim
Jurnal Manajemen Akuntansi (JUMSI) Vol 4, No 2: 2024
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v4i2.4299

Abstract

This research aims to determine and analyze the influence of income, number of family dependents and education on the level of consumption of farmer households in Pantai Cermin District. This study is a quantitative study with multiple Linear regression analysis. The Data in this study was obtained by distributing questionnaires with Slovin method so that 98 respondents who were in Pantai Cermin subdistrict. The results of this study indicate that the T-test of the income variable (X1) states that the income variable has a partial and significant effect on the level of household consumption of farmers, so as to prove that Ha is accepted and H0 is rejected. From the results of the T test states that the variable number of family dependents partially and significantly affect the level of household consumption of farmers, so it can prove that Ha is accepted and H0 is rejected. And for the results of the education variable t test stated no effect partially and significantly on the level of consumption of peasant households, so as to prove H0 is accepted and Ha is rejected. While the F test(simultaneous) shows that the variables of income, number of family dependents and education simultaneously affect the level of consumption of farmer households. From the test results of the coefficient of determination in the column R Square get a value of 0.482, the value of the coefficient of determination is changed in percentage to 48.2%. So it can be concluded that there are 48.2% of the consumption level of farmer households influenced by income, number of family dependents and education. While the remaining 51.8% were influenced by other factors studied in this study.
Analisis Pengembangan Ekonomi Di Kota Medan Ripaldo Hasibuan, Muhammad Rezki; Harahap, Rahmat Daim
Jurnal Manajemen Akuntansi (JUMSI) Vol 2, No 1: 2022
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v2i1.3019

Abstract

Economic development or economic growth is a continuous change in the economic conditions of a community group towards a better state. The purpose of this research is to find out how the economic development in Medan city is based on the results of the internship analysis that the researchers did. The research method used in this study uses qualitative methods. To improve regional development, especially in developing areas, the regional government seeks to improve the welfare of the community by exploring and developing the potentials that exist in the region through Economic Development.
Co-Authors ,., yusrizal Agung Nugraha Albani Nst , M. Syukri Andri Soemitra Anggraini, Tessa Anggriani, Erni Apriliani, Nurhalimah Aqwa Naser Daulay Arifin Fauzi Lubis Atmaja, Ardi Batubara, Soraya Alyya Syam Daulay, Aisy Salwa Dhalimunthe, Ahmad Amin Endang Kurniawati, Endang H, Masliannur. Hafiza, Dara Hafnifa, Chairin Harahap, Agung Setiawan Harahap, Muhammad Ikhsan Hasibuan, Fauzan Fahmi Hasibuan, Hamidah Rohimah Hendra Harmain Imsar Imsar, Imsar Julita Julita Laylan Syafina Lubis, Nadratul Hasanah M. Ridwan Mahvi, Muhammad Rizky Makarim, Naylatussalwa Marhamah, Adelia Marliana Marliana, Marliana Marliyah, Marliyah Mawadda, Shinta Metuah, Marpirah Mufti, Muhammad Ikhsan Muhammad Syukri Albani Nasution Muhammad Yafiz, Muhammad Mulyani, Seri Munthe, Yuli Noviah Nasution, Anisah Salsabila Nasution, Dini Andriani Nasution, Ferdi Dermawan Nasution, Juliana Nurbaiti Nurbaiti Nurhudiani, Bella Nuri Aslami Nurul Jannah Padlan, Rizky Panjaitan, Latifah Hanum Br Putri, Andini Eka Rahma, Tri Inda Fadhila Rahmani, Nur Ahmadi Bi Rahmi Syahriza, Rahmi Ramadani, Feni Ramadhani, Hafiz Aryo Ripaldo Hasibuan, Muhammad Rezki Rokan, Mustafa Kamal Sabrinasyah, Ajengesti Latifah Sani, Sri Aderafika Sari, Riski Ardila Siregar, Wardah Hinayah Sugianto Sugianto Suwarni Suwarni Syari, Meilya Evita Tinambunan, Siti May Sarah Tuti Anggraini Wahyu Syarvina Wardani, Aisyatul Yuditia, Oppi Yolanda Yunni, Yunni Zainarti Zainarti Zuhrinal M. Nawawi Zulfarahmi, Zulfarahmi