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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 EQIEN - JURNAL EKONOMI DAN BISNIS Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JOURNAL OF APPLIED BUSINESS ADMINISTRATION Journal of Humanities and Social Studies Almana : Jurnal Manajemen dan Bisnis At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam International Journal of Economics, Business and Accounting Research (IJEBAR) Tasharruf: Journal Economics and Business of Islam Al-Kharaj: Journal of Islamic Economic and Business 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) Jurnal Ekonomika Dan Bisnis Balance : Jurnal Akuntansi dan Manajemen Bursa : Jurnal Ekonomi dan Bisnis Journal of Social Commerce Moneter : Jurnal Keuangan dan Perbankan Innovative: Journal Of Social Science Research Madani: Multidisciplinary Scientific Journal Amkop Management Accounting Review (AMAR) IIJSE El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam JER ManBiz: Journal of Management and Business Journal of Ekonomics, Finance, and Management Studies As-Syirkah: Islamic Economic & Financial Journal
Harahap, Rahmat Daim
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Analysis of Banking Strategy in Sharia MSME Financing to Improve Bank Health (Case Study of Bank BJB Medan) Mahvi, Muhammad Rizky; Syarvina, Wahyu; Harahap, Rahmat Daim
Amkop Management Accounting Review (AMAR) Vol. 5 No. 1 (2025): January - June
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i1.2642

Abstract

This study analyzes the financing strategy of sharia Micro, Small, and Medium Enterprises (MSMEs) implemented by Bank BJB Medan in order to improve the health of the bank. MSMEs have a crucial role in the Indonesian economy, but access to sharia financing is still limited. Bank BJB Medan uses various sharia-based financing schemes, such as musyarakah and mudharabah, to support the growth of MSMEs without an interest system. The research method used is a qualitative approach with interviews, observation, and data analysis techniques. The results of the study show that the sharia MSME financing strategy implemented by Bank BJB Medan is able to reduce financial inclusion, with a Non-Performing Financing (NPF) ratio above 5%. Challenges such as the low understanding of MSME actors towards sharia financing, competition with conventional banks, and the need for investment in digital infrastructure are still obstacles that need to be overcome. Therefore, further innovation is needed in product development, financial education, and digital system optimization so that sharia financing is more inclusive and sustainable .
Analysis of Islamic Bank Involvement in Supporting Local Brand of MSME Category in Medan to Welcome the Demographic Bonus Era Makarim, Naylatussalwa; Harahap, Rahmat Daim; Daulay, Aqwa Naser
Amkop Management Accounting Review (AMAR) Vol. 5 No. 2 (2025): July - December
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.3114

Abstract

This study analyzes the involvement of Islamic banks in supporting the brand development of local MSMEs in Medan City during the demographic bonus era. Using a descriptive qualitative approach and content analysis, this study utilized primary data from semi-structured interviews with three Islamic banks (Bank Muamalat, Bank Syariah Indonesia, and BTPN Syariah) and secondary data from reports, media documentation, and academic publications.Findings show variations in bank engagement. The research results from the comparison of these three Islamic banks using the content analysis method, found that Bank Syariah Indonesia (BSI) showed the highest engagement of the other two banks, amounting to (46.12%) through comprehensive strategies, including UMKM Center, halal certification, expansion of digital transactions, and access to global markets. BTPN Syariah followed with (39.16%), distinguished by its focus on empowering low-income women through PRS and collateral-free financing to strengthen financial literacy and self-reliance of rural women. Bank Muamalat recorded the lowest engagement (14.72%), with an emphasis on community-based social programs such as Gerobak Usaha and Food Court Berdaya, which foster local economic solidarity. The study concludes that the three Islamic banks' support for MSMEs goes beyond financing and reflects their distinctive institutional strategies. BSI takes the lead in modernization and market expansion, BTPN Syariah highlights women empowerment, while Bank Muamalat contributes through grassroots community initiatives. Synergies between these approaches are critical to building a layered, competitive and sustainable MSME ecosystem.
ANALYSIS OF PARTNERSHIP DEVELOPMENT USING ARCHETYPE SYSTEM MODELING IN AN EFFORT TO INCREASE THE LEVERAGE OF TOUGH TEMPE UMKM BUSINESSES IN HUTAGODANG VILLAGE Nasution, Dini Andriani; Harahap, Rahmat Daim; Nasution, Juliana
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8 No 1 (2024): IJEBAR : Vol. 8, Issue 1, March 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i1.12634

Abstract

This research aims to identify the internal environment as strengths and weaknesses and the external environment as opportunities and threats and then formulate alternative strategies that can be implemented regarding the next Tempe SME partnership program. This study examines the leverage of each system archetype model in UMKM partnerships and also uses an internal matrix (IFE) and an external matrix (EFE). From the EFAS and IFAS data calculations above, it can be seen that the company's current position is in quadrant I coordinates (1,946 ; 1,395) namely the expansion (growth) quadrant, which is expected to be able to maintain and sustain the strategy and be able to penetrate the market and develop products. Based on the results of the model simulation process with the Casual Leverage Loop System, it is hoped that there will be several relationship structures between elements that influence each other in UMKM and partners, namely partners from large companies that have industrial scope both in the tofu-tempeh trade chain area and even the soybean import industry. Meanwhile, looking at the results of the partnership structure which was built from three sides, namely as follows: Business information perspective, business competency perspective and business access perspective. Keywords: Partnership, Archetype System, UMKM
Analysis the Influence of Sharia Compliance, Islamic Financial Literacy, and Risk Perception on Islamic Stock Investment Decisions in the Bibit Application Nasution, Rahmad Mulia Tama; Harahap, Muhammad Ikhsan; Harahap, Rahmat Daim
Almana : Jurnal Manajemen dan Bisnis Vol 9 No 1 (2025): April
Publisher : Bandung: Prodi Manajemen FE Universitas Langlangbuana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36555/almana.v9i1.2826

Abstract

This study aims to determine the effect of Sharia Compliance (X1), Sharia Financial Literacy (X2) and Risk Perception (X3) on Sharia Stock Investment Decisions (Y) in the Bibit application, study of students of the Faculty of Economics and Islamic Business UINSU. This study uses a quantitative approach method. The data used in this study are primary data. Data collection in this study used a questionnaire to 100 respondents of FEBI UINSU students who use the Bibit application. The sampling method in this study uses the Slovin formula and the determination of samples / respondents using non-random purposive sampling with the criteria of respondents of FEBI UINSU students who invest in Islamic stocks in the Bibit application. Data processing and analysis using multiple linear regression methods which include data quality tests, classical assumption tests and hypothesis testing. The results showed that simultaneously the influence of X1, X2, X3 had a positive and significant effect on Y, partially only X3 had a positive and significant effect on Y. The results of testing the coefficient of determination R Square of 0.203 or 20.3%, indicate that the independent variable (X) contributes to the influence or is able to explain the dependent variable (Y) or the Islamic stock investment decision in the Bibit application for FEBI UINSU students.
Evaluasi Laporan Pertanggung Jawaban pada Kontrak Asuransi Berdasarkan PSAK 108: Studi Kasus PT Allianz Life Indonesia Vision Batu Bara Mdn 138 Apriliani, Nurhalimah; Harmain, Hendra; Harahap, Rahmat Daim
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 2 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i2.605

Abstract

Statement of Financial Accounting Standards (PSAK) 108 is an accounting standard that is used as a guide for accountants in the recognition, measurement and presentation of sharia insurance transactions. This research aims to produce financial reports that are accurate, reliable and relevant so as to make people believe in the company. The method used in this study uses a qualitative descriptive research method. The subject of this research is the administrative and financial staff of PT. Allianz, which records company transactions. Analysis that is based on the notions or facts as they are in a systematic and accurate way. Data analysis techniques include data reduction, data presentation, and drawing conclusions. Based on the results of the research that has been done, it can be concluded that the Evaluation of Liability Reports on Insurance Contracts at PT. Allianz Life Indonesia Vision Coal MDN 138 The company accepts premium payments and develops business activities with a purely profit orientation, ignoring several syar'i prohibitions such as the elements of maisir, gharar and usury. Compliance with PSAK in sharia insurance contracts in companies that comply with financial rules according to accounting standards, despite the fact that much remains to be evaluated in terms of insurance claims. Keywords : Liability Report, Insurance Contract, PSAK 108.
Pengaruh Selfesteem, Adaptabilitas Karir terhadap Kinerja Karyawan dengan Perceived Organizational Support sebagai Variabel Mediasi: Studi Kasus: Karyawan Bank Sumut Syariah KC Kota Padangsidempuan Fauziah, Isna; Anggraini, Tuti; Harahap, Rahmat Daim
As-Syirkah: Islamic Economic & Financial Journal Vol. 2 No. 2 (2023): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/0x92pz55

Abstract

This research aims to determine the effect of self-esteem, career adaptability on employee performance with perceived organizational support as a mediating variable. The population of this research is employees of PT. Bank Sumut Syariah KC Padangsidimpuan City. The sample size was 30 people taken based on non-probability sampling. The questionnaire is a data collection tool used in this research, while the type is quantitative research. The data analysis technique uses path analysis with the SPSS Version 22 program. The findings of this research are 1) self-esteem has a positive and significant effect on perceived organizational support. 2) career adaptability has a positive and significant effect on perceived organizational support. 3) self-esteem has a positive and significant effect on performance. 4) career adaptability has a positive and significant effect on performance. 5) perceived organizational support has a positive and significant effect on performance. 6) self-esteem does not have a positive and significant effect on employee performance through perceived organizational support. 7) self-esteem does not have a positive and significant effect on performance through perceived organizational support at PT. Bank Sumut Syariah KC Padangsidimpuan.
Pengaruh Capital Adequacy Ratio, Profit Sharing Ratio terhadap Return On Asset dengan Non Perfoming Financing sebagai Variabel Moderating pada Bank Umum Syariah di Indonesia Imsar; Harahap, Rahmat Daim; Purba, Ice Rahwani
As-Syirkah: Islamic Economic & Financial Journal Vol. 2 No. 2 (2023): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/87nc9383

Abstract

This research aims to determine the effect of Capital Adequacy Ratio (CAR), Profit Sharing Ratio (PSR), on Return on Assets (ROA) with Non-Performing Financing (NPF) as a moderating variable in Islamic Commercial Banks in Indonesia. This type of research is quantitative research with the data source used is secondary data. This research uses annual financial report data from Sharia Commercial Banks in Indonesia for 2017-2021. The research sample is Sharia Commercial Banks in Indonesia in 2017-2022. The sample was selected using a purposive sampling technique to obtain seven Sharia Commercial Banks. Data processing and analysis techniques using Descriptive Statistical Analysis, Classic Assumption Test, Multiple Linear Test, Hypothesis Test and MRA Test. The program used for calculations uses SPSS version 25 and then the results from SPSS are interpreted. Capital Adequacy Ratio (CAR) has a significant influence on Return On Assets (ROA). The results of this research show that the Profit Sharing Ratio (PSR) has a significant effect on Return On Assets (ROA). Capital Adequacy Ratio (CAR) and Profit Sharing Ratio (PSR) simultaneously influence Return On Assets (ROA). The R Square (R2) value obtained was 0.441 or 44.1%, indicating that CAR(X1) and PSR (X2) only had an effect of 44.1%. Meanwhile, 55.9% was influenced by other factors outside the research. Non-Performing Financing (NPF) cannot moderate the influence of Capital Adequacy Ratio (CAR) on Return On Assets (ROA). Non-Performing Financing (NPF) cannot moderate the influence of Profit Sharing Ratio (PSR) on Return On Assets (ROA). Non-Performing Financing (NPF) cannot moderate the influence of Capital Adequacy Ratio (CAR) and Profit Sharing Ratio (PSR) on Return On Assets (ROA).
Analisis Penerapan Sistem Informasi Akuntansi dan Pengendalian Internal Persediaan Bahan Baku pada Coffee Station Azhari, Dhea Maura; Marliyah; Harahap, Rahmat Daim
As-Syirkah: Islamic Economic & Financial Journal Vol. 3 No. 3 (2024): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/z9wj8860

Abstract

This research was conducted at a company engaged in manufacturing, called Coffee Station. This research aims to find out how the accounting information system is implemented and the implementation of internal control of raw material inventory at the Coffee Station. This research method uses a qualitative method with a descriptive approach. Data collection techniques used were documentation and interviews with several employees at the Coffee Station. The results of this research indicate that the implementation of the raw material inventory accounting information system is still carried out manually, due to human resources who are less competent in the fields of accounting and computerization. However, they have implemented good procedures so that there is no shortage of raw material supplies. The implementation of internal control over raw material supplies has not been fully effective. Company management has implemented several internal control concepts and principles, however manual recording can pose risks to the company and in control activities there are still dual functions in the purchasing and recording of raw materials.
Analisis Kinerja Sumber Daya Manusia dan Dampaknya pada Kinerja Keuangan PT. Perkebunan Nusantara IV Regional I Medan Siregar, Rizky Ananda Dafitra; Sudiarti, Sri; Harahap, Rahmat Daim
As-Syirkah: Islamic Economic & Financial Journal Vol. 3 No. 3 (2024): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/2a636g17

Abstract

Penelitian ini bertujuan untuk mengeksplorasi dampak kinerja sumber daya manusia (SDM) terhadap kinerja keuangan di PT Perkebunan Nusantara IV Regional I Medan. Dengan latar belakang pentingnya SDM dalam meningkatkan produktivitas dan efisiensi operasional, penelitian ini berfokus pada hubungan antara kinerja SDM dan hasil keuangan perusahaan, serta upaya-upaya yang diterapkan untuk mengoptimalkan kinerja SDM demi mencapai kinerja keuangan yang lebih baik, Metode yang digunakan dalam penelitian ini adalah analisis deskriptif dengan pendekatan kualitatif. Data dikumpulkan melalui wawancara mendalam dengan staf perusahaan dan analisis dokumen terkait kinerja SDM dan keuangan. Penelitian ini mengidentifikasi indikator-indikator utama seperti produktivitas, efisiensi operasional, dan retensi karyawan, serta mengevaluasi upaya-upaya yang dilakukan perusahaan dalam meningkatkan kinerja SDM. Hasil penelitian menunjukkan bahwa kinerja SDM di PT Perkebunan Nusantara IV Regional I Medan sudah cukup optimal, namun masih terdapat beberapa karyawan yang kurang efektif. Kinerja karyawan yang baik berdampak positif terhadap produktivitas dan pendapatan perusahaan, yang pada gilirannya mempengaruhi kinerja keuangan secara signifikan. Upaya-upaya yang dilakukan perusahaan, seperti pelatihan, penerapan sistem manajemen kinerja, dan peningkatan kesejahteraan, terbukti berkontribusi pada perbaikan kinerja keuangan.  
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.
Co-Authors ,., yusrizal ADITYA NUGRAHA Agung Nugraha Albani Nst , M. Syukri Ananti, Aurensia Andri Soemitra Andriani, Atika Anggraini, Tessa Anggriani, Erni Apriliani, Nurhalimah Aqwa Naser Daulay Arifin Fauzi Lubis Atmaja, Ardi Azhari, Dhea Maura Batubara, Soraya Alyya Syam Berutu, Irsyadiah Dermaini Bi Rahmani, Nur Ahmadi Br Tarigan, Emi Yani Teta Dalimunthe, Fitriyani Daulay, Aisy Salwa Dhalimunthe, Ahmad Amin Dharma, Budi Endang Kurniawati, Endang H, Masliannur. Hafiza, Dara Hafnifa, Chairin Hakim, Ahkamil Harahap, Agung Setiawan Harahap, Hasyim Thahara Harahap, Muhammad Ikhsan Hasibuan, Fauzan Fahmi Hasibuan, Hamidah Rohimah Hasibuan, Patimah Hendra Harmain Imsar Imsar, Imsar Indahsari, Lily Nur Isna Fauziah, Isna Julita Julita Laylan Syafina Lazura, Sofia Lubis, Nadratul Hasanah M. Ridwan Mahvi, Muhammad Rizky Makarim, Naylatussalwa Marhamah, Adelia Marliana Marliana, Marliana Marliyah Marliyah, Marliyah Mawadda, Shinta Metuah, Marpirah Mufti, Muhammad Ikhsan Muhammad Arif Muhammad Lathief Ilhamy Nasution muhammad Syahbudi, muhammad Muhammad Syukri Albani Nasution Muhammad Yafiz, Muhammad Mulyani, Seri Munthe, Yuli Noviah Nasution, Anisah Salsabila Nasution, Dini Andriani Nasution, Ferdi Dermawan Nasution, Juliana Nasution, Rahmad Mulia Tama Nurbaiti Nurbaiti Nurhudiani, Bella Nuri Aslami Nurul Jannah Padlan, Rizky Panjaitan, Latifah Hanum Br Purba, Ice Rahwani Putri, Andini Eka Rahma, Tri Inda Fadhila Rahmani, Nur Ahmadi Bi Rahmi Syahriza, Rahmi Ramadani, Feni Ramadhani, Hafiz Aryo Ramadhani, Nabila Ramadhani, Sri Ripaldo Hasibuan, Muhammad Rezki Rokan, Mustafa Kamal Sabrinasyah, Ajengesti Latifah Sani, Sri Aderafika Sardini, Syafira Sari, Riski Ardila Siregar, Khairunnisa Siregar, Rizky Ananda Dafitra Siregar, Wardah Hinayah sri sudiarti Sugianto Sugianto Suwarni Suwarni Syari, Meilya Evita Tinambunan, Siti May Sarah Tuti Anggraini Wahyu Syarvina Wardani, Aisyatul Windari, Fitri YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yuditia, Oppi Yolanda Yunni, Yunni Zainarti Zainarti Zuhrinal M. Nawawi Zulfarahmi, Zulfarahmi