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All Journal Journal of Economic, Bussines and Accounting (COSTING) IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam MONSU'ANI TANO Jurnal Pengabdian Masyarakat Ihsan: Jurnal Pengabdian Masyarakat Aghniya: Jurnal Ekonomi Islam Community Empowerment Al-Sharf: Jurnal Ekonomi Islam Journal of Sharia Economics Proceeding International Seminar of Islamic Studies Jurnal Manajemen dan Ekonomi Kreatif JEKSya Jurnal Ekonomi dan Keuangan Syariah Kreativitas Pada Pengabdian Masyarakat (Krepa) UPMI Proceeding Series Journal IIJSE Journal of Islamic Economics and Finance Mengabdi: Jurnal Hasil Kegiatan Bersama Masyarakat Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Ardhi: Jurnal Pengabdian dalam Negri Jurnal Ilmiah Ekonomi, Akuntansi dan Pajak PRODUCTIVITY: Journal of Integrated Business, Management, and Accounting Research Al-Ihsan: Jurnal Bisnis dan Ekonomi Syariah
Mutiah Khaira Sihotang
Universitas Muhammadiyah Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Public Health Social Sciences Other

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Journal : IIJSE

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Model of Sharia Bank Profitability Determination Factors by Measuring Internal and Externals Variables Mutiah Khaira Sihotang; Uswah Hasanah; Isra Hayati
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 1 (2022): Sharia Economic: January, 2022
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v5i1.1949

Abstract

This study examines the influence of internal and external factors on profitability as proxied by Return on Assets (ROA), a study on Islamic Commercial Banks for the 2016-2020 period. In the theory of profitability, there are 2 factors that affect bank profitability, namely internal factors and external factors. Internal factors in this study are BOPO (Operating Expenses to Operating Income), Non-Performing Financing (NPF), Financial to Deposit Ratio (FDR) and external factors in this study are inflation and the money supply. Profitability is one of the most important factors in a company, including Islamic financial institutions, in this case Islamic banks, so that every company must pay attention to the company's profitability ratios. Islamic banks are financial institutions that just started to emerge in the late 90s and have a very high level of competition with conventional banks. For this reason, this study aims to look at the financial performance of Islamic banks in Indonesia through the level of profitability they have had for the last 5 years. The sample selection in this study used purposive sampling method. The sample in this study is the monthly financial statements of Islamic commercial banks in Indonesia in 2016-2020. The data in this study will be processed using SPSS software with multiple regression. The results of this study state that inflation as an external factor does not have a significant effect on the profitability of Islamic Commercial Banks as measured by the Return on Assets (ROA) ratio with a significance level of 0.628 and the money supply has a significant effect on ROA. While the BOPO, NPF and FDR variables as internal factors have a significant effect on ROA.
Management Model of Cash Waqf for University Isra Hayati; Mutiah Khaira Sihotang; Lukman Hamdani
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 2 (2022): Sharia Economic: July, 2022
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v5i2.2356

Abstract

Currently, many campuses have implemented operational fund management through waqf, including the Al-Azhar Egypt campus, Unida Gontor, UII Yogyakarta, and Darunnajah waqf. However, on the other hand, there are still many aspects of management as well as data and management that have not been digitized and published in general. so that this becomes a problem of waqf accountability itself. The purpose of this study is to clearly know the pattern of cash waqf management at the Unida Gontor and MUI campuses and be able to implement this model on all campuses. The methodology of this research is descriptive qualitative with an ANP analysis tool. The results show there are 3 problems in this cash waqf model. Among other things, the HR factor with a rather agreement value of 2%, universities with a rather agreement value of 12% and the operational value of rather agreement at 1%, and the strategy, namely the synergy between BWI and universities, using local wisdom and being used as waqf as a lifestyle with the rather agreement value by 16%.
Deli River Tourism Educational Model by Avros Park in Developing Economic Potential Uswah Hasanah; Mutiah Khaira Sihotang
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 1 (2023): Sharia Economic: January, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i1.2358

Abstract

A tourist attraction that can be developed to support the community’s economy is natural resources. One of the natural resources is a river. The river as a source of water is very important in meeting the needs of society and enhancing national development. This is also intended as an implementation of the provisions of Law Number 11 of 1974 concerning irrigation, namely that in the context of utilizing and preserving rivers, it is deemed necessary to make arrangements regarding rivers which include protection, development, use, and control of rivers with government regulations. Deli River is one of the rivers in the city of Medan, which, if you look at history during the Deli kingdom, was the vein of trade. However, it is very unfortunate that at this time the existence of the Deli River was starting to be polluted by the large amount of river pollution carried out by the community. The efforts to preserve the river are carried out by Avros Park Medan, through its tourism vehicles trying to provide education to the public working with foundations concerned with the river environment. The purpose of this research is to conduct an assessment of the tourist education model that can be developed by Avros Park in an effort to preserve the environment of the Deli River and in an effort to attract tourists to visit Avros Park. The type of research is descriptive with a qualitative approach. Data collection was carried out through observation, interviews, and documentation studies. The design of the educational tourism model in this research consists of a tutorial and exploratory educational method.
Analysis of the Risk of Market Competition in the Month of Ramadan in Improving the Economy of Takjil Traders in the Jati Utomo Village, North Binjai Raihani Fadila; Mutiah Khaira Sihotang
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 1 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i1.7253

Abstract

The high activity of food trading for breaking the fast of takjil during the month of Ramadan in Jati Utomo Village, North Binjai raises the phenomenon of significant market competition, between permanent traders and seasonal traders. This competition creates risks for traders, especially in maintaining customers and income. This research formulates two main problems, namely what are the risks faced by takjil traders due to market competition, and how competition affects the economic improvement of traders. This study aims to analyze the form of market risk and its impact on the economic conditions of takjil traders during the month of Ramadan. The method used in this research is a qualitative approach with data collection techniques in the form of observation, in-depth interviews, and documentation of five traders. The results of this study show that 60% of traders experienced an increase in income because they were able to innovate and adjust products to market tastes despite being faced with high market competition. Meanwhile, the other 40% experienced income stagnation due to lack of product innovation and lack of understanding of accurate financial records. This study concludes that the success of micro businesses in facing competition is not only influenced by marketing strategies, but also by the ability to innovate and financial literacy.
Co-Authors Abdur Rahman Wahid Pulungan Adinda Khairunisa Ahmadi Ahlamul Jaris Gea Ahmad Afandi Alnamira, Alnamira Amriadi, Tara Ananda Pudjito Ananda Putri Ariyani Anggi Listia Aulia Syarif Nasution Cut Zahara Salidia Sabrina Dimas Risky Muharram Dina Fakhira Dinda Tri Jelita Ella Umayya Enjela Kasmawati Fadhil Musyafa Haris Al Amin hasanah hasanah Irvan Maulana Isra Hayati Khairatun Hisan Lukman Hamdani M. Iqbal Muhammad Hafiz Munardi, Benny Nabila Intan Sahfira Nadila Syahputri Rahma, Sabila Rahmayati Rahmayati Raihani Fadila Reza Novriansah Siahaan Shinta Dewi Siti Afifah Salsabila Siti Zahra Amelia Putri Nasution Susilawati Susilawati Syahilla Lubis Syahrul Amsari Tantri Arum Uswah Hasanah Uswah Hasanah Uswah Hasanah Yusti Laila