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All Journal JCRS (Journal of Community Research and Service) Aghniya: Jurnal Ekonomi Islam Journal Economy And Currency Study (JECS) El-kahfi : Journal of Islamic economics Al-Sharf: Jurnal Ekonomi Islam Fitrah: Journal of Islamic Education Journal of Artificial Intelligence and Digital Business
Sakdiah, Khairani
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Religion Computer Science & IT Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Social Sciences

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Strategi Pemasaran Produk Bank Syariah Pada PT. Bank Sumut Syariah KCP Stabat Sebayang, M. Irsan Khoir; Saleh, Muhammad; Sakdiah, Khairani
AGHNIYA : Jurnal Ekonomi Islam Vol 5, No 2 (2023): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v5i2.17589

Abstract

This study focuses on discussing marketing strategies in increasing the number of customers who use PT. Bank SUMUT Syariah KCP Stabat, after knowing the marketing strategy that was carried out, the writer will do a SWOT analysis. The research method used in this study is a descriptive qualitative research method with an empirical approach. In this study, researchers used a collection technique, namely by means of observation, interviews, and documentation. Data processing and analysis techniques are data reduction, data presentation, and drawing conclusions. The results of the study explain the marketing strategy carried out by PT. Bank SUMUT Syariah KCP Stabat cannot be separated from the elements of the marketing mix, which consist of: product strategy, place strategy, price strategy, and promotion strategy. Among these marketing strategies the most dominant is the promotion strategy which is carried out by means of advertising, sales promotion, personal selling, and direct marketing. In increasing the number of customers using PT. Bank SUMUT Syariah KCP Stabat conducts market segmentation, targeting, positioning and marketing mix. Based on the SWOT analysis it can be seen that PT. Bank SUMUT Syariah KCP Stabat has more advantages than weaknesses, therefore PT. Bank SUMUT Syariah KCP Stabat must be good at taking advantage of opportunities and defeating all threat factors to increase the number of customers.
APPLICATION OF ACCOUNTING LEARNING USING STANDARDS OF PSAK CONSERVATION OF IFRS IN MEDIUM SCHOOL ACCOUNTING VOCATIONAL SCHOOL Sakdiah, Khairani; Silalahi, Cita Ayni Putri
Journal of Community Research and Service Vol 3, No 1: January 2019
Publisher : Universitas Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24114/jcrs.v3i1.14432

Abstract

The purpose of education at the opening of the 1945 Constitution in the fourth paragraph was clearly explained that, to educate the life of the nation and participate in carrying out world order. In accordance with the goals and ideals of the nation, various fields of science are needed by the State. To be able to progress and develop in accordance with the needs of the State, we must also follow the existing regulations that are binding in the agreement of states. Likewise, there is no escape in accounting learning that must be applied in schools, both in universities and high schools, which are mainly vocational high schools (SMK). As an example of accounting subjects, Accounting is a field of applied science that is used to see the financial existence of both the state, agencies, companies and organizations and others. International Financial Reporting Standards (IFRS) is the making of accounting reports that are adjusted to the standards of international financial reports, and almost all parts of the world in this world of accounting reporting use the IFSR standard. Because of that, almost all companies are required to use these standards in terms of financial statements making, educators are also obliged and participate in teaching these standards to students, both in universities and schools that have accounting majors can also apply this as teaching materials that are not left behind. The indicators used to measure the application of accounting learning by using standards are IFRS convergence PSAK, namely: Viewing and observing the behavior of actions taken by teachers in schools that are the object of research, whether using IFRS convergence accounting standards in teaching to provide material to students and adjustments between kurukulum given by dina education. The population in this study were the Accounting Department teachers who were in Langkat Regency. Data collection techniques in this study were using interviews, observation, documentation and questionnaires. The research method used in this study is descriptive analysis. And the results obtained as a whole in this study are the absence of teachers who apply accounting learning by applying accounting using IFRS standards because there is no directive from the education office to enforce these standards.Keywords: IFRS, BM-SMK, Accounting.
Penerapan Laporan Keuangan Berdasarkan SAK EMKM Bagi Usaha Mikro Kecil Menengah di Kecamatan Gebang Sakdiah, Khairani; Pohan, Anjur; Sinaga, Asmawarna
Journal Economy and Currency Study (JECS) Vol. 5 No. 2 (2023)
Publisher : Pusdikra Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51178/jecs.v5i2.1427

Abstract

Each region typically boasts its distinctive flagship products within the realm of SMEs, and this holds true for the Gebang sub-district of Langkat Regency, where roadside businesses thrive with their specialty products like "Cassava Chips" and "Dodol," a traditional Indonesian confection. According to Law No. 20 of 2008 on Micro, Small, and Medium Enterprises (MSMEs), a micro-enterprise is defined as a productive enterprise owned by an individual or a sole proprietorship entity that meets the micro-enterprise criteria as outlined in this Law. Thus, the formulation of comprehensive financial reports aids in planning future endeavors, thereby facilitating the creation of business plans that anticipate potential eventualities and strategically chart the path forward. Incorporating a comprehensive financial statement based on MSME Financial Accounting Standards (SAK EMKM) encompasses a balance sheet, income statement, and notes to the financial statements. The balance sheet should encompass at least cash and cash equivalents, receivables, inventory, fixed assets, trade payables, bank loans, and equity. The income statement portrays the relationship between an entity's income and expenses. This research employs a qualitative descriptive method, with data collection techniques comprising observation, interviews, and documentation. The data analysis is based on a month-long research period, and the findings are examined using descriptive analysis methods. The questionnaire, distributed to 17 respondents with 20 statements each, underwent statistical analysis, revealing the perception of MSME managers regarding the presentation of financial reports in accordance with MSME Financial Accounting Standards to be of a "Not Good/Low" rating. Contributing factors to this perception include the limited accounting understanding of MSME operators, their inadequate accounting knowledge preventing activities such as ledger and journal recording and financial statement preparation. Additionally, MSME operators lack a comprehensive understanding of the significance of financial reports in business operations and remain unfamiliar with MSME Financial Accounting Standards.
Financial Determinants of Profitability in Post-Merger Islamic Banking: Evidence from Bank Syariah Indonesia (2020–2024) Yasmin Zahira, Afifa; Sakdiah, Khairani
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 01 (2025): "Islamic Economic Transformation in the Digital Era: Innovation, Inclusivity, an
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i01.360

Abstract

The objective of study to determine the effect of Capital Adequacy Ratio, Financing to Deposit Ratio, and Non Performing Financing at PT Bank Syariah Indonesia. The type of research conducted was quantitative research which emphasizes numerical data (numbers) processed by inferential statistical methods (analyzing the relationship between variables by testing hypotheses). The data source of this research is obtained from secondary data, namely the quarterly financial statements of PT Bank Syariah Indonesia from 2020 to the second quarter of 2020 published on the website www.ojk.go.id. The results showed that: (1) Capital Adequacy Ratio has no effect on Return On Asset, (2) Financing to Deposit Ratio has a positive effect on Return On Asset, (3) Non Performing Financing has a negative effect on Return On Asset, (4) Capital Adequacy Ratio, Financing to Deposit Ratio, and Non Performing Financing jointly affect Return On Asset.
Model of Sexual Education Based on Quranic Values within the Framework of Child Friendly Education in the Contemporary Era Ali, Rahmadi; Saragih, Alkausar; Sakdiah, Khairani; Friska, Novita
Fitrah: Journal of Islamic Education Vol. 6 No. 1 (2025): Juni (2025)
Publisher : Sekolah Tinggi Agam Islam Sumatera Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53802/fitrah.v6i1.1124

Abstract

Sexual crimes in schools can cause trauma to children and create discomfort in the educational environment. Therefore, sexual education for children is a preventive measure to protect them from violence and sexual deviance. This study aims to analyze the design of a Quran-based sexual education model implemented in children's educational institutions in Deli Serdang District, the management of a child-friendly educational environment that supports this model, and the challenges faced. This study uses a qualitative method based on phenomenological studies with data collection through interviews, observations, and document studies. The results of the study show five models that have been implemented, namely the Developmental-Based Sexual Education Model, the Qur'anic Literacy Sexual Education Model, the Family-Centered Sexual Education Model, the Community-Driven Sexual Education Model, and the Tech-Enhanced Sexual Education Model. Physical environment management involves providing safe spaces to prevent violence, while non-physical management focuses on a sensitivity-based approach. The greatest challenge faced is the difficult-to-control influence of technology. Implications of research on awareness to protect children from violence.
Marketing Strategy for Hajj Savings Products to Increase the Number of Customers at PT. Bank Muamalat Stabat Branch Putri, Melisa; Sakdiah, Khairani; Natasya, Febrianti; Armadhani, Sintia; Rahmadi, Fajar; Pane, Santia Pebriyanti
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 3 (2025): publication process
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i3.12589

Abstract

This study aims to analyse the marketing strategy of Hajj savings products in increasing the number of customers at PT Bank Muamalat Stabat Branch. The research method used is quantitative with a field research approach that involves data collection through questionnaires to respondents. The results showed that Bank Muamalat implemented various marketing strategies that included aspects of product, price, place, promotion, people, physical evidence, and process. Hajj savings products are offered with the principles of Mudharabah Muthlaqah and Wadiah Yad Dhamanah, providing flexibility for customers in depositing funds.
Pengaruh Promosi dan Pelayanan dalam Pengambilan Keputusan Menjadi Nasabah Tabungan Haji pada Bank Sumut Syariah KCP Stabat Amalia, Qurotu Aini; Febriyanni, Rani; Sakdiah, Khairani
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.2878

Abstract

Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh promosi dan pelayanan terhadap keputusan menjadi nasabah tabungan haji pada Bank Sumut Syariah KCP Stabat. Metode yang digunakan dalam penelitian ini adalah kuantitatif dengan pendekatan asosiatif. Populasi penelitian merupakan seluruh nasabah tabungan haji Bank Sumut Syariah KCP Stabat, dengan sampel sebanyak 80 responden yang dipilih secara accidental sampling. Data dikumpulkan melalui kuesioner dan dianalisis menggunakan uji instrument, uji asumsi klasik, regresi linier berganda dan uji hipotesis dengan bantuan SPSS 27. Hasil penelitian menunjukkan bahwa secara parsial variabel promosi (X1) memiliki pengaruh signifikan terhadap keputusan menjadi nasabah, dengan nilai thitung sebesar 8,711 > ttabel 1,991 dan signifikansi 0,000 < 0,05. Variabel pelayanan (X2) juga berpengaruh signifikan terhadap keputusan menjadi nasabah, dengan nilai thitung sebesar 8,278 > ttabel 1,991 dan signifikansi 0,000 < 0,05. Secara simultan, promosi dan pelayanan berpengaruh positif dan signifikan terhadap keputusan menjadi nasabah dengan nilai Fhitung sebesar 68,898 > Ftabel 3,120 dan signifikansi 0,000 < 0,05.  Melalui nilai Adjust R Square juga diketahui bahwa variabel promosi dan pelayanan berkontribusi sebesar 63,2% terhadap Keputusan menjadi nasabah, sedangkan sisanya 36,8% dipengaruhi oleh variabel lainnya. Temuan ini menegaskan bahwa strategi promosi yang tepat dan kualitas pelayanan yang baik dapat meningkatkan minat masyarakat untuk menjadi nasabah tabungan haji
Pengaruh Efisiensi dan Keandalan Layanan Mobile Banking terhadap Kepuasan Nasabah pada Bank Sumut Syariah KCP Stabat Matondang, Nadia Aulina; Sakdiah, Khairani; Alam, Anjur Perkasa
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 3 (2025): Agustus - October
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i3.2937

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh efisiensi dan keandalan layanan mobile banking terhadap kepuasan nasabah pada Bank Sumut Syariah KCP. Stabat. Metode yang digunakan dalam penelitian ini adalah pendekatan kuantitatif dengan mengumpulkan data dari 92 responden melalui kuesioner yang menggunakan skala likert. Hasil penelitian ini menunjukkan bahwa (1) Efisiensi layanan mobile banking berpengaruh terhadap kepuasan nasabah. Hal ini dibuktikan dengan nilai t hitung lebih besar dari t tabel ( 4,642>1,663) dengan nilai signifikannya sebesar 0,001. Nilai Signifikan tersebut lebih kecil dari 0,05 (0,001<0,05). (2) Keandalan layanan mobile banking berpengaruh terhadap kepuasan nasabah. Hal ini dibuktikan dengan nilai t tabel 1,663, sehingga t hitung lebih besar dari t tabel ( 5,235>1,663) dengan nilai signifikannya sebesar 0,001. Nilai Signifikan tersebut lebih kecil dari 0,05 (0,001<0,05). (3) Efisiensi dan Keandalan layanan mobile banking secara bersama-sama berpengaruh terhadap kepuasan nasabah. Hal ini dibuktikan dengan nilai F hitung (59,895) lebih besar dari F tabel (2,121).
Co-Authors Alam, Anjur Perkasa Amalia, Qurotu Aini Armadhani, Sintia Friska, Novita Matondang, Nadia Aulina Melisa Putri Muhammad Saleh Natasya, Febrianti Pane, Santia Pebriyanti Pohan, Anjur Rahmadi Ali Rahmadi, Fajar Rani Febriyanni, Rani Saragih, Alkausar Sebayang, M. Irsan Khoir Silalahi, Cita Ayni Putri Sinaga, Asmawarna Yasmin Zahira, Afifa