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All Journal Jurnal Online Mahasiswa (JOM) Bidang Perikanan dan Ilmu Kelautan Proceeding International Conference on Information Technology and Business As-Salam: Jurnal Studi Hukum Islam & Pendidikan Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Journal Informatic, Education and Management (JIEM) Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal AL-AHKAM Azzahra : Jurnal Pendidikan Anak Usia Dini Shihatuna : Jurnal Pengabdian Kesehatan Masyarakat EKSYA: Jurnal Ekonomi Syariah Journal of Islamic Economics Lariba Maslahah: Jurnal Manajemen dan Ekonomi Syariah IIJSE EKSYDA: Jurnal Studi Ekonomi Syariah Jurnal Inovasi Ekonomi Syariah dan Akuntansi Jurnal Bisnis, Ekonomi Syariah dan Pajak Journal of Rural Community Development (JRCD) J-Mabisya Ambacang: Jurnal Inovasi Pengabdian Masyarakat
Siti Kholijah
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Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Earth & Planetary Sciences Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Public Health Social Sciences Other

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PENGARUH KEBUTUHAN, PELAYANAN DAN JAMINAN TERHADAP PEMANFAATAN JASA PERMODALAN DI KECAMATAN NAGA JUANG Siti Kholijah
EKSYA : Jurnal Ekonomi Syariah Vol 2 No 2 (2021): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v2i2.1079

Abstract

This study aims to determine the effect of the needs factor, guarantee factor and service factor on the community in utilizing the Mekaar Program Civil National Capital Service (PNM) in Sayur Matua Village, Naga Juang District. The population in this study were all residents who received funding from the Mekaar Program Civil National Capital (PNM) in Sayur Matua Village, Naga Juang District, as many as 121 customers with a sample of 55 respondents. The data collection technique for this research was a questionnaire which was tested for validity and reliability. Data analysis techniques using multiple linear regression, classical assumption test, t test, F test and the coefficient of determination. The magnitude of the influence of the need on public interest in utilizing the Mekaar Program Civil National Capital Services (PNM) is 0.236 or 23.6%, the magnitude of the collateral effect on public interest in utilizing the Mekaar Program Civilian National Capital Services (PNM) is 0.366 or 36.6%, and the magnitude of the influence of the service on public interest in utilizing the Mekaar Program's Civil National Capital Service (PNM) is 0.433 or 43.3%. While the results of the F test show that the significance value is 0.000 <0.05 and the calculated f value is 257.020 > f table 2.79, it can be concluded that the variables of needs, guarantees and services have a significant effect simultaneously on people's interest in utilizing the Civil National Capital Services (PNM ) Mekaar Program. obtained an R square value of 0.938 or 93.8%. This shows that the variables of needs, guarantees and services have an effect of 93.8% on people's interest in utilizing the Mekaar Program's Civil National Capital Services (PNM), while the remaining 6.2% is influenced by other variables or factors outside of research.
FAKTOR-FAKTOR SANTRI MUSTHAFAWIYAH LEBIH MEMILIH BANK KONVENSIONAL DARIPADA BANK SYARIAH Siti Kholijah
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 1 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i1.1554

Abstract

Banking according to Law No. 10 of 1998 concerning amendments to Law No. 7 of 1992 concerning banking, is a business entity that collects funds from the public in the form of deposits and distributes them to the public in the form of credit and or other forms in order to improve the lives of many people. since 1992 Indonesia has adopted two banking systems, namely conventional and sharia banking systems. In Islam it is clearly stated that Allah SWT has forbidden usury. On this basis, it is not allowed to transact using Conventional Banks because it clearly contains usury. Some scholars have also forbidden to make transactions using Conventional Banks because it is clearly seen to contain usury. This research uses the type of field research (Field Research) which is carried out directly by researchers by going into the field to interview students and teachers who are in the Musthafawiyah Purba Baru Islamic boarding school. The problem discussed is the factor that students prefer to use Conventional Banks rather than Islamic Banks. Some of the factors that influence students to make transactions using Conventional Banks are: location, service, family, self-concept, and reference group factors. From the above factors, there are several factors that can be seen to cause an exhaustion for families to send their children's school fees. Thus it can be said that if an action can cause fatigue for someone then it is permissible to take other actions that do not cause fatigue. But it would be better if parents and students use Sharia Banks to conduct transactions to avoid usury.
Pengaruh Pelayanan dan Nisbah Bagi Hasil terhadap Minat Menabung Nasabah pada Bank Sumut Syariah Panyabungan Beni Sandra; Siti Kholijah; Erpiana Siregar
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 2 No. 4 (2024): Oktober : Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v2i4.1655

Abstract

The aim is to determine the significant influence of Service and Profit Sharing Ratio on Customer Saving Interest at Bank SUMUT KCPSy Panyabungan. This research uses a quantitative description method. Sampling was taken using a simple random sampling technique, by distributing questionnaires directly to 98 respondents. With the help of SPSS version 25. The research results are based on SPSS calculations that service influences customers' interest in saving. This is proven by the calculated t value being greater than the t table, namely: (2,329 > 1.895) with a significant value of 0.022 < 0.05, and the profit sharing ratio influences customers' interest in saving. This is proven by the calculated t value being greater than the t table, namely: (2.258 > 1.895) with a significance value of 0.026 < 0.05, then it can be concluded that the Profit Sharing Ratio (X2) variable has a positive and significant effect on the customer's interest in saving variable. (Y). This is proven by the calculated F value of 5.654 > 3.092, a significant value of 0.005 < 0.05.
ANALISIS PROMOSI CASHBACK PADA E-COMMERCE BUKALAPAK DALAM PERSPEKTIF EKONOMI SYARIAH Edi Jatmiko; Siti Kholijah; Fitri Utami
EKSYDA: Jurnal Studi Ekonomi Syariah Vol. 4 No. 1 (2023): EKSYDA
Publisher : LPPM STAI DARUSSALAM LAMPUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51226/eksyda.v4i1.653

Abstract

Online shopping in e-commerce has become a habit of Indonesian people, this trend started with the Covid-19 pandemic. There are various factors that motivate Indonesian consumers to shop online. One of them is a cashback promotion. This research method uses library research. The results of this research are that cashback is often considered a marketing strategy that aims to attract customer attention. This cashback practice can be classified as khiyar ghabn in the context of Islamic law. The function of khiyar in buying and selling transactions is to provide the ability for the transacting parties to consider long-term consequences in order to avoid regrets in the future. Thus, it can be said that cashback is permitted because it is a form of deception aimed at persuading customers, as implemented in platforms such as bukalapak. Cashback is considered permissible because it does not involve elements of usury and is included in the khiyar ghabn category.
Social and economic impacts of increasing early marriages during the Covid-19 pandemic: A study in Mandailing Natal and South Tapanuli districts Lubis, Muhlisah; Jureid, Jureid; Defriza, Rita; Kholijah, Siti; Saniah, Nur
Journal of Islamic Economics Lariba Vol. 10 No. 1 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss1.art4

Abstract

IntroductionSince the Covid-19 outbreak, underage marriages have become increasingly widespread with all its impact to the society. There are very limited studies on its impact from social and economic aspect, especially among Muslim society in Indonesia.ObjectivesThe purpose of this study was to analyse the social and economic impacts of increasing underage marriage during the Covid-19 pandemic. By doing so, the study also aims to provide solution to solve the impacts for the affected communities.MethodThis study uses a qualitative method with a sociological approach that focuses on experiences and socio-cultural phenomena that occur in the midst of society.ResultsThere are several social impacts that occur as a result of early marriage, conflict in the family, regret and heavy pressure, loss of opportunity to continue education, not being able to socialize, domestic violence, divorce. The economic impacts that occur due to early marriage, among others, are limited opportunities to get work opportunities, unable to bear the family's economic burden, structural poverty.ImplicationsEfforts were made to reduce the number of early marriages, among others, holding meetings several times a month, formally coordinating community leaders, village officials, and KUA, through outreach programs to Majlis Taklim, marriage advice, through marriage sermons, coordinating with sub-districts, youth activities related to early marriage.Originality/NoveltyThe findings of this study contribute to efforts to overcome social and economic problems among Muslim society impacted by the Covid-19 pandemic.
Implementation of policies regarding zakat as a deduction of taxable income: A case study in regencies and city in southern Tapanuli Ahmad, Faisal; Hsb, Zuhdi; Kholijah, Siti
Journal of Islamic Economics Lariba Vol. 10 No. 2 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss2.art2

Abstract

IntroductionZakat plays a crucial role in improving the welfare of the Muslim community in Indonesia. However, Indonesian Muslims face a dual obligation: to pay both zakat and taxes. To alleviate this burden, the government implemented a policy that allows zakat to be deducted from taxable income. This policy aims to encourage zakat payers (muzakki) to distribute their zakat through official institutions such as BAZNAS. Nevertheless, zakat collection by BAZNAS in southern Tapanuli remains relatively low, necessitating an examination of the policy’s effectiveness. ObjectivesThis study aimed to evaluate the effectiveness of the zakat as a deduction of taxable income in southern Tapanuli and identify the factors affecting zakat collection through official institutions. MethodThis study employed a qualitative descriptive approach using empirical methods. Data were gathered from regulations related to zakat as a deduction of taxable income, and from observations of the performance of institutions managing zakat and taxes.ResultsThis study shows that while zakat can be applied as a deduction of taxable income, its implementation has not yet been optimal. Factors impacting the ineffectiveness of this policy include limited legal impact on payment obligations, administrative complexity, insufficient synergy between zakat and tax offices, lack of public outreach, and societal preference for directly paying zakat to recipients (mustahiq).ImplicationsThe study suggests the need to increase public outreach and synergy among institutions and simplify administrative processes to optimize zakat collection as a tax deduction. These improvements are expected to encourage broader participation in zakat distribution through official channels.Originality/NoveltyThis study contributes to the literature on the effectiveness of zakat as a tax deduction in Indonesia, particularly in southern Tapanuli. It offers insights into the challenges and opportunities of implementing this policy at the regional level.
Pendekatan Holistik pada Penyuluhan Remaja di 17 SMA Sederajat di Kabupaten Rokan Hilir Provinsi Riau Rambe, Wahyudi; Afriani, Indri; Qisthi, Mashallia; Al Khofifah, Salsabila; Mirnawati; Eginanda Putri, Airani; Hardiansyah, Rian; Zahara, Siti; Adzmi Yulistina, Amaliatul; Widia Sari Rusma; Dian Noviana; Meli Saputri; Siti Kholijah; Delima Sari; Rahmi Nurrizky; Anggy Saputri; Dini Safira; Fittria Ayu Sahputri
Journal Of Rural Community Development Vol. 1 No. 2 (2024): Vol 1. No. 2 (2024) : Oktober 2024
Publisher : Jurusan Ilmu Sosial dan Ilmu Politik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jrcd.v1i2.11

Abstract

This counseling paradigm, implemented within the Abdurrab University Community Service Program (KKN) in 17 secondary schools across Rokan Hilir Regency, Riau Province, espouses a holistic approach to adolescent development, encompassing the physical, cognitive, social, and environmental dimensions of well-being. The program's core focus, encompassing reproductive health, traditional family medicine utilization (TOGA), personal image enhancement, bullying prevention, and promotion of a clean and healthy lifestyle (PHBS), addresses key challenges faced by adolescents arising from health and self-development knowledge gaps. This study aims to evaluate the impact of the counseling interventions, delivered through participatory and direct consultations, upon student understanding and behavior. The results showed that significant increase in student awareness and knowledge regarding the targeted topics, concurrent with a notable shift towards positive behavioral changes.
ANALISIS STRATEGI PEMASARAN DALAM UPAYA MENINGKATKAN JUMLAH MAHASISWA DI STAI DARUSSALAM LAMPUNG Siti Kholijah; Fitri Utami
EKSYDA: Jurnal Studi Ekonomi Syariah Vol. 3 No. 2 (2023): EKSYDA
Publisher : LPPM STAI DARUSSALAM LAMPUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51226/eksyda.v3i2.483

Abstract

The paradigm in viewing education has begun to shift, from which education was originally viewed and studied as a social aspect, now people see education as a corporate. Therefore, many universities are competing with each other to attract prospective new students. This study aims to analyze marketing strategies in increasing the number of students at STAI Darussalam Lampung. The method used in this research is Variance Based SEM or Partial Least Square (PLS) analysis. Researchers found that the reasons for students in making decisions to continue their education at STAI Darussalam Lampung that need to be considered are increasing promotional media from students, lecturers, employees and alumni and stakeholders; student activities that need to be disseminated to the wider community as one of the promotional media; promotion through online and offline media; and increasing the scholarship quota for poor scholarships, achievement scholarships, tahfidz scholarships, and so on.
KAJIAN BIAYA DAN MANFAAT CMPUTER BASED TEST SEBAGAI MODEL EVALUASI HASIL BELAJAR DI MTS MUHAMADIYYAH METRO Kartika eka pertiwi; Fitri Utami; Siti Kholijah
EKSYDA: Jurnal Studi Ekonomi Syariah Vol. 5 No. 1 (2024): EKSYDA
Publisher : LPPM STAI DARUSSALAM LAMPUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51226/eksyda.v5i1.670

Abstract

ABSTRAK KAJIAN BIAYA DAN MANFAAT COMPUTER BASED TEST SEBAGAI MODEL EVALUASI HASIL BELAJAR DI MTs MUHAMMADIYAH METRO Perkembangan teknologi informasi dan komunikasi yang pesat memberikan kemudahan dalam pekerjaan maupun kebutuhan serta aktivitas sehari-hari tak terkecuali dalam dunia pendidikan. Computer Based Test mulai menggantikan posisi Paper Based Test sebagai alat evaluasi hasil belajar termasuk di MTs Muhammadiyah Metro. Agar sekolah tidak mengalami kegagalan dalam menginvestasikan dananya untuk pengembangan teknologi, maka perlu dilakukan analisis dan pengukuran investasi. Berdasarkan hal tersebut maka dipandang perlu untuk melakukan penelitian ini dalam rangka mengkaji biaya yang dikeluarkan terhadap manfaat yang didapatkan dari penggunaan Computer Based Test. Penelitian ini merupakan penelitian deskriptif kuantitatif. Teknik analisis data yang digunakan adalah Cost and Benefit Analysis. Manfaat ekonomis yang ditimbulkan CBT lebih besar dari pada biaya yang di keluarkan tergambar dari nilai BCR = 1,78. Evaluasi hasil belajar model CBT dapat diterima dan layak secara ekonomi untuk dilanjutkan yang ditunjukkan dengan nilai BCR ≥ 1 dan NPV ≥ 0.
Pengaruh Simpanan dan Pembiayaan terhadap Peningkatan Pendapatan Anggota Koperasi Konsumen Mitra Manindo Syariah Kayu Jati Doriana Siregar; Erpiana Siregar; Siti Kholijah
Jurnal Bisnis, Ekonomi Syariah, dan Pajak Vol. 1 No. 1 (2024): Maret: Jurnal Bisnis, Ekonomi Syariah, dan Pajak (JBEP)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jbep.v1i3.515

Abstract

This research aims to analyze the effect of savings and financing on increasing the income of Mitra Manindo Syariah Kayu Jati Consumer Cooperative members' income. The sample for this research was members of the Mitra Manindo Syariah Kayu Jati Consumer Cooperative, totaling 155 respondents. The dependent variable (Y) in this research is income, the independent variables savings (X1) and financing (X2). The data used is primary data obtained from respondents through the questionnaire provided. The tool used in this research is SPSS version 21. The research results are based on SPSS calculations that savings do not have a significant effect on income. This is proven by the calculated tvalue being smaller than the ttable, namely: (1.827 < 1.976) with a significant value of 0.070 > 0.025. Meanwhile, financing has an effect on income as evidenced by the calculated t being greater than the ttable, namely: (1.996 > 1.976) with a significant value of 0.048 > 0.025. Then the research results show that savings and financing have a positive and significant effect on the income of cooperative members. This is proven by the calculated F value of 8.326 which is greater than the F table value of 3.06 with a significant value of 0.000<0.005.
Co-Authors Adzmi Yulistina, Amaliatul Afriani, Indri Agnes Soukotta Ahmad Faisal Ahmad Riski Al Khofifah, Salsabila Amimah Qodari Anggy Saputri Anuar Sanusi Arfan Syahputra Pulungan Ayunda Syahfira Azizatur Rahmah Beni Sandra Cakranegara, Pandu Adi Defriza, Rita Delima Sari Dian Noviana Dini Safira Doriana Siregar Edi Jatmiko Eginanda Putri, Airani Ermanita Permatansari Ermanita Permatasari Erpiana Siregar Fatimah Fauziah Nasution Fitri Utami Fittria Ayu Sahputri Hardiansyah, Rian Isma Rohayani Juni Khairani Lbs Jureid, Jureid Kartika Eka Pertiwi M. Ariza Eka Yusendra Meli Saputri Mery Sukmiwati Mhd Asy’ari Mia Juliani Mirna Ilza Muhlisah Lubis Nanda Aulia Rifki Nst Nur Saniah Pitriani Gultom Qisthi, Mashallia Raden Mohamad Herdian Bhakti Rahmi Nurrizky Rambe, Wahyudi Reski Hidayah Riska Siregar Risna Hayati Septiani Selly Susanti SITI FATIMAH Siti Zahara Widia Sari Rusma Wilda Rohani Yolanda Sari Yulmaini Yulmaini Zuhdi Hasibuan