Garuda - Garba Rujukan Digital

PENGARUH MUDHARABAH, DAN MUSYARAKAH TERHADAP PROFITABILITAS PADA PT. BANK SUMUT CAPEM SYARIAH KARYA Santoso, Pratiwi Aprilya; Kadariah, Siti
JURNAL WIDYA Vol. 5 No. 2 (2024): Jurnal Widya, October 2024
Publisher : Akademi Manajemen Informatika dan Komputer Widya Loka Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54593/awl.v5i2.337

Rasio Profitabilitas merupakan rasio yang melihat kemampuan perusahaan dalammenghasilkan laba atau profitabilitas.Tingkat Profitabilitas bank syariah merupakan suatukualitas yang dinilai berdasarkan keadaan atau kemampuan suatu bank syariah dalammenghasilkan laba. Selain itu merupakan suatu hasil akhir bersih dari berbagai kebijakan dankeputusan manajemen yang akan memberikan keputusan akhir tentang efektivitas manajemenperusahaan. Penelitian ini bertujuan untuk mengetahui pengaruh mudharabah, musyarakahterhadap profitabilitas. Penelitian ini menggunakan alat analisis regresi linier bergandadilengkapi dengan uji asumsi klasik. Hasil penelilitian menyatakan bahwa secara parsialmudharabah, musyarakah tidak berpengaruh terhadap profitabilitas sedangkan secara simultanmudharabah dan musyarakah tidak berpengaruh terhadap profitabilitas.

IMPLEMENTASI AKAD AL-QARDH PADA PERBANKAN SYARIAH (STUDI KASUS PT. BANK SUMUT CABANG SYARIAH MEDAN) Nazli, Putri; Kadariah, Siti
JURNAL WIDYA Vol. 5 No. 2 (2024): Jurnal Widya, October 2024
Publisher : Akademi Manajemen Informatika dan Komputer Widya Loka Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54593/awl.v5i2.436

Salah satu prinsip yang diterapkan Bank syariah dalam melakukan kegiatan usahanya adalah pirnsip kemaslahatan umat, dimana tidak mengejar keuntungan, namun mementingkan memeelihara tujuan syariat islam dan sebagai asas kebermanfaatan.yang memiliki fungsi sosial dimasyarakat. Qardh merupakan pinjaman kebajikan yang diberikan kepada masyarakat, sumber dananya berasal dari zakat,infaq, sedekah, hibah dan dana sosial lainnya. Tujuan Penelitian ini adalah untuk mengetahui Konsep Akad Qardh dalam Fikih Muamalah dan mengetahui Implementasi serta Praktik Akad tersebut di Perbankan Syariah. Penelitian ini menggunakan metode analisis deskriptif dengan mengidentifikasi dari beberapa sumber antara lain buku, jurnal, website, Al-Qur’an dan Hadits sehingga dapat digambarkan bahwa Implementasi dan Praktik Akad Qardhul Hasan sudah sesuai dengan Konsep Akad Qardhul Hasan dalam Fikih Muamalah.Dari hasil penelitian ini dapat disimpulkan bahwa Bank Sumut Cabang Syariah Medan telah mengimplementaskan akad Qardh Hasan tersebut kepada masyarakat dan memberikan banyak manfaat.

Sosialisasi Pembagian Waris Berdasarkan Hukum Islam (Fara’id) Melalui Aplikasi Digital Sebagai Upaya Edukasi Distribusi Kekayaan Berbasis Syariah Di Era Digital: Inheritance Distribution, Islamic Law (Fara’id), Digital Applications, and Wealth Distribution." Riski, Bagus; Ridwan, Muhammad; Kadariah, Siti; Anugrah, Bima
Publikasi Pengabdian Masyarakat Vol 5 No 1 (2025): PUBLIDIMAS Vol. 5 No. 1 MEI 2025
Publisher : LPPM Universitas Potensi Utama

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

The Inheritance issues frequently become a source of conflict within families, primarily due to the limited understanding among Muslim communities regarding the distribution of inheritance in accordance with Islamic law (fara’id). One of the main obstacles faced is the difficulty in accurately calculating each heir’s rightful share based on Sharia principles. In many cases, confusion also arises even among religious leaders when determining inheritance portions according to Islamic jurisprudence (fiqh). To address this challenge, this community service initiative focused on the socialization of Islamic inheritance distribution through the use of a digital application called “Hitung Waris” (Inheritance Calculator). This application is designed with informative and interactive features, including definitions of inheritance, relevant Quranic and Hadith-based legal foundations, identification of heirs along with their respective rights and conditions, and a simulation for inheritance calculations. The application’s calculation process follows several stages, beginning with input on the deceased (muwarris), total estate (tirkah) including assets, debts, wills, and funeral expenses, followed by identifying the primary heirs, and ultimately presenting the results in accordance with fara’id rules. The socialization activity was conducted on Thursday, May 29, 2025, at Al-Ikhlas Mosque, Pasar 1 Rel, Medan Marelan District, and was attended by the mosque’s Subuh prayer congregation. The evaluation of this activity revealed strong enthusiasm from participants during discussions and Q&A sessions, along with improved understanding of Sharia-compliant inheritance distribution. The digital application proved to be a practical and accurate tool in helping the community understand and calculate inheritance in accordance with Islamic justice principles. Thus, this initiative makes a tangible contribution to promoting literacy in Islamic inheritance law and fair wealth distribution through a technology-based approach in the digital era.

Pengaruh Sumber Daya Manusia dan Komunikasi Organisasi terhadap Kinerja Karyawan pada PT. Mahabbah Islamic Tour & Travel Nst, M. Kharulipanda; Kadariah, Siti
Indonesian Research Journal on Education Vol. 4 No. 4 (2024): irje 2024
Publisher : Fakultas Keguruan dan Ilmu Pendidikan, Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/irje.v4i4.1501

Penelitian ini bertujuan untuk memastikan tiga poin utama: (1) dampak sumberidayaimanusia terhadapikinerja karyawan idi iPT. Mahabbah iIslamic iTour i& iTravel; i(2) idampak komunikasi iorganisasi iterhadap ikinerja ikaryawan idi iPT. iMahabbah iIslamic Tour & Travel;idan (3) ipotensi iinteraksi iantara ikomunikasi iorganisasi idan isumber idaya manusia iterhadap ikinerja ikaryawan idi iPT. iMahabbah Islamic Tour & Travel. Penelitian ini imenggunakan imetodologi ikuantitatifi dengani sumberi data primeri dan sekunder yang di kumpulkan imelalui kuesioneridan diperolehisecara tidakilangsungidari bisnis Staf PT. MahabbahiIslamiciTouri& Travelimenjadi subjek penelitian ini,yang menggunakan sampel sebanyak i46 iresponden idan i75 iitem ikuesioner. Metodeianalisisiyangidigunakanidalam penelitiani inii adalahi analisisi regresii berganda, uji validitasidan reliabilitas, serta uji asumsi tradisionaliyang meliputiiuji heteroskedastisitas, multikolinearitas, dan normalitas. Hasilipenelitianimenunjukkan bahwa (1) faktor kinerja karyawan PT. Mahabbah Islamic Tour & Travel dipengaruhi secara positif dan signifikan oleh variabel sumber daya manusia. Variabel kinerja karyawan PT. Mahabbah Islamic Tour & Travel dipengaruhi secara positif dan signifikan oleh variabel komunikasi organisasi, (2) variabel kinerja karyawan PT. Mahabbah Islamic Tour & Travel dipengaruhi secara simultan oleh variabel sumber daya manusia dan komunikasi organisasi.

The Impact of Online Loans on The Community Kadariah, Siti
Journal of Islamic Financial Technology Vol 2, No 1 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i1.9718

The discussion in this study is related to the impact of online lending. Impact on people who do online-based lenajaman. In connection with that, the approach taken is the study and theories of Islamic banking which discusses the impact, online-based loans. This research is a field research (direct research in the field) with a qualitative approach. The data sources used are primary data and secondary data, with data collection techniques through observation, interviews, and documentation.The results showed that the factors that cause people in Sipirok District to make online-based loans, namely the procedure for borrowing money in online-based applications are easier to process and faster disbursement of money. The positive of online-based loans for people in Sipirok District is that the procedure for borrowing money in online-based applications is easier to process and quickly disburse money, and their needs or emergency fund needs can be met quickly. While the negative impact is a deduction of administrative money that reaches 30% of the principal money, and an inhumane way of debt collection to consumers who are in arrears of loan installment payments.

Product Marketing Strategy Muamalat Din (Digital Islamic Network) at PT. Bank Muamalat Indonesia Tbk Kadariah, Siti; binti Noor Azman, Fathi Khalilah
Journal of Islamic Financial Technology Vol 2, No 2 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i2.10981

The purpose of this study is to determine product marketing strategies using Muamalat DIN (Digital Islamic Network) at PT. Bank Muamalat Indonesia Tbk KCU Padangsidimpuan. to find out the obstacles faced by Bank Muamalat Indonesia Tbk KCU Padangsidimpuan in product marketing strategies using Muamalat DIN (Digital Islamic Network). This research is qualitative research with descriptive methods. The subjects of the study were 2 employees and 4 customers. Data collection techniques are obtained from observation, interviews, documentation. While data analysis techniques include data reduction, data presentation, and conclusions. While the technique of checking the validity of data uses triangulation.The results showed that the product marketing strategy uses Muamalat DIN (Digital Islamic Network) at PT. Bank Muamalat Indonesia Tbk KCU Padangsidimpuan by visiting foundations and the community or prospective customers by conducting direct socialization to introduce products and services available at Bank Muamalat Indonesia Tbk KCU Pangsidimpaun. The obstacle in carrying out marketing strategies from internal factors is the lack of branch offices and crew in marketing strategies while external factors lack customer interest in using it due to age.

Determinants Of Decisions To Use Islamic Bank Mobile Banking Services Saleh, Idris; Kadariah, Siti; Dewi, Indah Purnama
Journal of Islamic Financial Technology Vol 1, No 2 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

The facts in the field, there are a number of customers who do not use Mobile Banking services, the problem is that banks have provided services but customers do not use Mobile Banking services and prefer manual transactions. This study aims to determine the effect of perceived ease of use, knowledge, and trust on the decision to use Islamic bank Mobile Banking services. The research discussion relates to banking services, namely services that discuss ease of use, knowledge, trust and decisions to use Islamic bank Mobile Banking services. This research is a quantitative research with multiple linear regression analysis, the data source used is primary data through questionnaires. The population of this study was the Padangsidimpuan community, the sample in this study used an accidental sampling technique, with 98 respondents. knowledge and trust have an influence on decisions to use Mobile Banking services. And simultaneously (F test) ease of use, trust and knowledge have a significant influence on the decision to use Mobile Banking services.Keywords: Determinant, Decision, Mobile Banking Service

Pengaruh Promosi Di Instagram, Gaya Hidup Dan Labelisasi Halal Terhadap Keputusan Pembelian Kosmetik Wardah (Studi Kasus Konsumen di Plaza Medan Fair) Husniyah, Nisrina; Kadariah, Siti
Innovative: Journal Of Social Science Research Vol. 4 No. 1 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

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

Penelitian ini bertujuan untuk mengetahui pengaruh promosi di instagram, gaya hidup dan labelisasi halal terhadap keputusan pembelian kosmetik wardah di plaza medan fair. Jenis penelitian ini yaitu penelitian deskriptif dengan pendekatan kuantitatif. Sampel dalam penelitian ini adalah konsumen Wardah kosmetik yang menggunakan produk Wardah berjumlah 85 responden. Teknik analisis yang digunakan yaitu regresi linear berganda. Hasil t hitung promosi di instagram (X1) adalah 2,197 dan t tabel memiliki nilai 1,989 yang menunjukan bahwa t hitung > t tabel. Sedangkan nilai signifikansi sebesar 0,031 < 0,05 maka variabel promosi di instagram berpengaruh positif signifikan terhadap keputusan pembelian dengan Ho ditolak dan Ha diterima. Hasil t hitung gaya hidup (X2) adalah 6,166 dan nilai t tabel sebesar 1,989 yang menunjukan bahwa t hitung > t tabel. Sedangkan nilai signifikan sebasar 0,000 < 0,05 maka variabel gaya hidup berpengaruh positif signifikansi terhadap keputusan pembelian dengan Ho ditolak dan Ha diterima. Hasil t hitung labelisasi halal (X3) adalah 4,890 dan nilai t tabel sebesar 1,989 yang menunjukan bahwa t hitung > t tabel. Sedangkan nilai signifikan sebasar 0,000 < 0,05 maka variabel labelisasi halal berpengaruh positif signifikan terhadap keputusan pembelian dengan Ho ditolak dan Ha diterima. Secara simultan diperoleh bahwa nilai signifikan yaitu 0,00 < 0,05 atau nilai F hitung 96,049 > F tabel 2,74 artinya variabel promosi di instagram (X1), gaya hidup (X2) dan labelisasi halal (X3), mempunyai pengaruh yang signifikan secara bersama-sama terhadap variabel terikatnya yaitu keputusan pembelian kosmetik Wardah di plaza medan fair Kata Kunci : Keputusan pembelian kosmetik Wardah, Promo Di Instagram, Gaya Hidup dan Labelisasi Halal This research aims to determine the influence of promotions on Instagram, lifestyle and halal labeling on the decision to purchase Wardah cosmetics at Medan Fair Plaza. This type of research is descriptive research with a quantitative approach. The sample in this research was Wardah cosmetics consumers who used Wardah products totaling 85 respondents. The analysis technique used is multiple linear regression. The t calculated result of promotions on Instagram (X1) is 2.197 and the t table has a value of 1.989 which shows that t calculated > t table. Meanwhile, the significance value is 0.031 <0.05, so the promotion variable on Instagram has a significant positive effect on purchasing decisions with Ho being rejected and Ha being accepted. The t calculated lifestyle result (X2) is 6.166 and the t table value is 1.989 which shows that t calculated > t table. Meanwhile, the significant value is 0.000 < 0.05, so the lifestyle variable has a significant positive effect on purchasing decisions with Ho rejected and Ha accepted. The t calculated result of halal labeling (X3) is 4.890 and the t table value is 1.989 which shows that t calculated > t table. Meanwhile, the significant value is 0.000 < 0.05, so the halal labeling variable has a significant positive effect on purchasing decisions with Ho rejected and Ha accepted. Simultaneously, it was found that the significant value was 0.00 < 0.05 or the calculated F value was 96.049 > F table 2.74, meaning that the promotional variables on Instagram (X1), lifestyle (X2) and halal labeling (X3) had a significant influence. together with the dependent variable, namely the decision to purchase Wardah cosmetics at the Medan Fair Plaza. Keywords : Wardah Cosmetics Purchasing Decision, Promo at the Plaza Medan Fair, Lifestyle and Halal Labeling

The Influence of Promotion on Instagram, Lifestyle and Halal Labeling on Wardah Cosmetics Purchasing Decisions among Consumers at Medan Fair Plaza (Case study at the Fendy cosmetics store in Pulo Brayan) Husniyah, Nisrina; Kadariah, Siti
Innovative: Journal Of Social Science Research Vol. 4 No. 1 (2024): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/innovative.v4i1.8446

Penelitian ini bertujuan untuk mengetahui pengaruh promosi di instagram, gaya hidup dan labelisasi halal terhadap keputusan pembelian kosmetik wardah di plaza medan fair. Jenis penelitian ini yaitu penelitian deskriptif dengan pendekatan kuantitatif. Sampel dalam penelitian ini adalah konsumen Wardah kosmetik yang menggunakan produk Wardah berjumlah 85 responden. Teknik analisis yang digunakan yaitu regresi linear berganda. Hasil t hitung promosi di instagram (X1) adalah 2,197 dan t tabel memiliki nilai 1,989 yang menunjukan bahwa t hitung > t tabel. Sedangkan nilai signifikansi sebesar 0,031 < 0,05 maka variabel promosi di instagram berpengaruh positif signifikan terhadap keputusan pembelian dengan Ho ditolak dan Ha diterima. Hasil t hitung gaya hidup (X2) adalah 6,166 dan nilai t tabel sebesar 1,989 yang menunjukan bahwa t hitung > t tabel. Sedangkan nilai signifikan sebasar 0,000 < 0,05 maka variabel gaya hidup berpengaruh positif signifikansi terhadap keputusan pembelian dengan Ho ditolak dan Ha diterima. Hasil t hitung labelisasi halal (X3) adalah 4,890 dan nilai t tabel sebesar 1,989 yang menunjukan bahwa t hitung > t tabel. Sedangkan nilai signifikan sebasar 0,000 < 0,05 maka variabel labelisasi halal berpengaruh positif signifikan terhadap keputusan pembelian dengan Ho ditolak dan Ha diterima. Secara simultan diperoleh bahwa nilai signifikan yaitu 0,00 < 0,05 atau nilai F hitung 96,049 > F tabel 2,74 artinya variabel promosi di instagram (X1), gaya hidup (X2) dan labelisasi halal (X3), mempunyai pengaruh yang signifikan secara bersama-sama terhadap variabel terikatnya yaitu keputusan pembelian kosmetik Wardah di plaza medan fair

Strategi Digital Marketing Dalam Memperkuat Brand Image Pada Roti Kacang Mpok Atik Tebing Tinggi Purba, Rakhmawati; Siahaan, Rumiris; Batubara, Rizki Wulanita; Ketaren, Abednego; Lubis, Abdillah Fenorian; Sepvira, Bulan; Faransiska, Faransiska; Saragih, Naumi Salsabillah; Siregar, Satya Pranaja; Victor, Victor; Kadariah, Siti
Community Service Progress Vol. 4 No. 2 (2025): Community Service Progress Edisi Desember 2025
Publisher : STIE Bina Karya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70021/csp.v4i2.266

MSMEs play a vital role in the country's economic growth by significantly contributing to job creation, poverty alleviation, and economic equality. Peanut bread is one of the typical souvenirs from the city of Tebing Tinggi besides lemang and other products. Currently, the development of peanut bread production businesses is increasingly widespread in Tebing Tinggi with various brands and flavors. One of them is the Mpok Atik peanut bread brand. One of the problems faced by this MSME is limited capital, where there is competition from large producers, and market access is still limited. This campus collaborative activity program is a type of community service activity in helping solve problems that exist in the community / MSMEs. The enlightenment provided by the team about digitalization plays a vital role in driving the growth of the Mpok Atik peanut bread MSME. By implementing various digital-based marketing, MSMEs can compete in the increasingly competitive modern era by utilizing technology to increase market access, improve brand image, and remain competitive. This peanut bread MSME excels because its products have the characteristics of a local identity, authentic taste.

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