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All Journal Laa Maisyir Jurnal Ekonomi Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal EMT KITA JMM (Jurnal Masyarakat Mandiri) At-Tawassuth: Jurnal Ekonomi Islam Jurnal Ilmiah Edunomika (JIE) Ihsan: Jurnal Pengabdian Masyarakat Aghniya: Jurnal Ekonomi Islam JURNAL MANAJEMEN AKUNTANSI (JUMSI) JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Khazanah : Journal of Islamic Studies
Sarwo Edi
Universitas Muhammadiyah Sumatera Utara
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Analisis Pemberian Pembiayaan Pada PT. BPRS Al-Washliyah Medan Khaidir; Sarwo Edi
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 9 No. 6 (2023): Desember 2023
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v9i6.1651

Abstract

This study aims to determine the procedure for granting credit, as well as the obstacles that occur in collecting non-performing loans at PT. BPRS Al Washliyah Medan. The results showed that the procedure for giving credit to PT. BPRS Al Washliyah Medan has been running well such as customers applying for credit to service customers, filling out the credit application sheet (APK) then given to the credit administration. Then it is handed over to the account officer (AO). The account officer conducts interviews and surveys on the spot. After that, make a credit analysis report (LAK) to be submitted to the credit committee, then decide whether or not the credit application is accepted. The credit administration accepts credit application applications and credit analysis reports to be kept as archives. Furthermore, the credit administration makes a credit approval (SPK) of 2 sheets accompanied by the customer's signature. Sheet 1 is for credit administration and sheet 2 is for customers. Based on the approved SPK, the credit administration makes a credit agreement (PK) of 2 sheets, sheet 1 for tellers and sheet 2 for accounting. The teller notifies the customer about the binding. Furthermore, the customer provides the original guarantee, then the teller realizes and provides credit guarantee to the customer. The original collateral is handed over to the credit administration as an archive. Based on the credit agreement, accounting conducts bookkeeping and submits the credit agreement sheet to the credit administration as an archive. The credit administration received the original guarantee and credit agreement to be used as an archive of PT. BPRS Al Washliyah Medan. Problems in collecting non-performing loans at PT. BPRS Al Washliyah Medan from the banking side minsally in conducting analysis, the manager or credit department is not careful, so that what should happen, is not predicted in advance from the customer. From the customer's own side, credit congestion can occur due to two things, namely: There is an element of intentionality. In this case, the customer deliberately does not intend to pay his obligations to PT. BPRS Al Washliyah Medan, so the credit given is bad. It can be said that there is no security element to pay. The presence of an element is accidental. This means that customers want to pay but can't afford it. Example: credit financed experiencing a disaster such as fire, flood or bankruptcy. So to pay the credit does not exist.
DETERMINAN PREFERENSI MENABUNG MAHASISWA DI BANK SYARIAH (STUDI KASUS MAHASISWA PROGRAM STUDI PERBANKAN SYARIAH UMSU) Cinta Elvina Hassan; Sarwo Edi; Asmaul Husna
JURNAL ILMIAH EDUNOMIKA Vol 8, No 3 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i3.14502

Abstract

This research aims to analyze the influence of Knowledge of Shariah Bank Products, Shariah Bank Services, and Income on students' preference for saving in Shariah Banks. The research method used is quantitative, with a questionnaire as the data collection tool. The questionnaire was analyzed using SPSS 26 software. The research population consists of students in the Sharia Banking study program at the University of Muhammadiyah North Sumatra, with a sample of 30 students selected using quota sampling techniques. Hypotheses were tested using multiple linear regression analysis. The results of this study indicate that preference for saving in Shariah Banks is positively influenced by knowledge of Shariah bank products. However, services and income do not have a significant individual influence, although collectively, all three have a significant influence. This suggests that efforts to increase knowledge about Shariah bank products can enhance the preference for saving in Shariah Banks. Keywords: Shariah Bank Products, Shariah Bank Services, Income, Preference for Saving,
PERAN BAITUL MAAL WAT TAMWIL DALAM PENGELOLAAN KEUANGAN PESANTREN (STUDI KASUS PADA PONDOK PESANTREN MAWARIDUSSALAM) Khairul Imam Punantara Sitopu; Sarwo Edi
JURNAL ILMIAH EDUNOMIKA Vol 8, No 2 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i2.13299

Abstract

Penelitian ini bertujuan untuk menganalisis peran BMT Mawaridussalam dalam pengelolaan keuangan Pondok Pesantren Mawaridussalam dan pemberdayaan masyarakat sekitar. Metode penelitian yang digunakan adalah kualitatif dengan teknik pengumpulan data melalui wawancara, observasi, dan studi dokumentasi. Hasil penelitian menunjukkan bahwa BMT Mawaridussalam telah memainkan peran integral dan berdampak luas dalam pengelolaan keuangan pesantren dan pemberdayaan masyarakat. BMT Mawaridussalam berhasil dalam menghimpun dana, menyalurkan pembiayaan, dan menyediakan layanan jasa keuangan lainnya yang dibutuhkan masyarakat. Keberadaannya memberikan manfaat yang signifikan bagi pesantren, santri, alumni, dan masyarakat sekitar. Kesimpulan penelitian ini adalah bahwa BMT Mawaridussalam merupakan contoh BMT yang berhasil dan patut dicontoh oleh BMT lain di Indonesia. BMT Mawaridussalam memberikan kontribusi yang positif dalam pembangunan ekonomi dan sosial di Indonesia
PELUANG DAN TANTANGAN: PERANAN FINANCIAL TECHNOLOGY SYARIAH DALAM MEMAJUKAN UMKM DI KOTA MEDAN Edi, Sarwo; Husna, Asmaul
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 10 │ No. 1 │ 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v10i1.15033

Abstract

Utilization of technology can provide many convenience facilities in every business activity with fast access. One of the technological developments that has become the dynamics of business development today is Financial Technology. This paper aims to describe the role of Fintech in the progress of MSMEs in Medan City along with an explanation of the opportunities and challenges faced. This research was conducted through qualitative descriptive studies and analysis, where data were obtained from various reference sources regarding the topics and issues discussed. Data collection techniques used a literature study approach through various research journals, national and international articles. This research explains how the opportunities and challenges of Fintech for the development of MSMEs will be faced in the future. The results of the study show that Fintech has considerable potential for the development of MSMEs in Indonesia. Fintech can help MSMEs in providing convenience and efficiency in terms of technology-based financial management including digitizing financial reports, payment technology and online-based loans.
WAKAF UANG: MEMBANGUN WARGA MUHAMMADIYAH MEDAN DELI MELALUI KAMPANYE SOSIAL LITERASI KEUANGAN Sarwo Edi; Syahrul Amsari; Isra Hayati
JMM (Jurnal Masyarakat Mandiri) Vol 8, No 1 (2024): Februari
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jmm.v8i1.17872

Abstract

Abstrak: Permasalahan yang ditemukan di Cabang Muhammadiyah Medan Deli yang menjadi mitra, maka unsur Cabang Muhammadiyah Medan Deli dan Tim Pengabdian telah sepakat bahwa prioritas yang perlu segera mendapatkan solusi adalah terkait literasi wakaf untuk kemaslahatan umat. Agar lebih fokus terhadap permasalahan sehingga memudahkan pengambilan tindakan atau kegiatan pengabdian, maka pengurus cabang dan tim pengabdian sepakat perlu ada transfer informasi, penguatan wawasan dan pendampingan ranting oleh tim pengabdian mengenai topik tentang literasi wakaf. Tujuan edukasi literasi wakaf uang untuk meningkatkan pemahaman dan keterampilan masyarakat terkait dengan konsep wakaf uang, prinsip-prinsip keuangan Islam, dan strategi pengelolaan keuangan yang sesuai dengan prinsip wakaf. Mitra dalam pengabdian ini yaitu Pimpinan Cabang dan Ranting Muhammadiyah Medan Deli serta jamah pengajian keseluruhannya berjumlah 25 orang. Metode pelaksanaan yang mengacu kepada analisis situasi program yang disepakati bersama mitra dengan melakukan tiga kali workshop secara bersamaan dalam satu waktu. Sistem evaluasi yang diimplementasikan dalam pengabdian ini dengan uji pengetahuan pra dan pasca kampanye, partisipasi masyarakat, pengukuran perubahan perilaku keuangan, survei kepuasan peserta. Persentase keberhasilan kegiatan pengabdian masyarakat edukasi literasi wakaf uang berdasarkan evaluasi adalah 80%. Persentase ini mencerminkan sejauh mana kegiatan tersebut berhasil meningkatkan pemahaman literasi wakaf uang di antara peserta yang terlibat. Target dan luaran yang diharapkan dari kegiatan pengabdian ini adalah produk dan jasa, yang dapat dirinci yaitu: (1) Produk berupa booklet wakaf; dan (2) Kotak wakaf.Abstract: The problems found at the Muhammadiyah Medan Deli Branch which is a partner, elements of the Muhammadiyah Medan Deli Branch and the Community Service Team have agreed that the priority that needs to be immediately resolved is related to waqf literacy for the benefit of the people. In order to be more focused on problems so as to make it easier to take action or service activities, the branch management and service team agreed that there was a need for information transfer, strengthening insight and mentoring by the service team regarding the topic of waqf literacy. The aim of cash waqf literacy education is to increase people's understanding and skills related to the concept of cash waqf, Islamic financial principles, and financial management strategies that are in accordance with waqf principles. Partners in this service are the Head of the Medan Deli Muhammadiyah Branch and Branch as well as a total of 25 study congregations. The implementation method refers to an analysis of the program situation agreed upon with partners by conducting three workshops simultaneously at one time. The evaluation system implemented in this service includes pre- and post-campaign knowledge tests, community participation, measuring changes in financial behavior, participant satisfaction surveys. The percentage of success of cash waqf literacy education community service activities based on evaluation is 80%. This percentage reflects the extent to which the activity succeeded in increasing understanding of cash waqf literacy among the participants involved. The targets and outputs expected from this service activity are products and services, which can be detailed, namely: (1) Products in the form of waqf books; and (2) Waqf boxes.
Co-Authors Asmaul Husna Asmaul Husna Cinta Elvina Hassan Dea Putri Novita Parinduri Fauziah Hanum Halimah Tusadiyah Husna, Asmaul Isra Hayati Julfan Saputra Khaidir Khairul Imam Punantara Sitopu Maya Sari Nur Rahmah Amini Putri Qhoirunnisa Rahmi Amalia Syahrul Amsari Widia Astuty