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All Journal Journal of Economic, Bussines and Accounting (COSTING) Jesya (Jurnal Ekonomi dan Ekonomi Syariah) IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam MONSU'ANI TANO Jurnal Pengabdian Masyarakat EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Ihsan: Jurnal Pengabdian Masyarakat Aghniya: Jurnal Ekonomi Islam Community Empowerment Al-Sharf: Jurnal Ekonomi Islam Journal of Sharia Economics JURNAL MANAJEMEN AKUNTANSI (JUMSI) Proceeding International Seminar of Islamic Studies Panthera : Jurnal Ilmiah Pendidikan Sains dan Terapan Jurnal Ilmiah Pendidikan dan Keislaman 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 Transformasi Masyarakat : Jurnal Inovasi Sosial dan Pengabdian 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 Biochemistry, Genetics & Molecular Biology Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Public Health Social Sciences Other

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THE EFFECT OF ENTREPRENEURSHIP LEARNING ON STUDENT ENTREPRENEURIAL DECISIONS Isra Hayati; Susilawati Susilawati; Mutiah Khaira Sihotang
Proceeding International Seminar of Islamic Studies INSIS 4 (November 2022)
Publisher : Proceeding International Seminar of Islamic Studies

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Abstract

The purpose of this study was to determine the Effect of Entrepreneurship Learning on Entrepreneurial Decisions of Students of the Faculty of Islamic Religion Muhammadiyah University of North Sumatra. The research method used in this study is a quantitative research method. The sample in this study were students of the Islamic Faculty of Muhammadiyah University of North Sumatra with a total of 89 students responding. Based on the results of the analysis, it shows that entrepreneurship learning can be seen from the tcount of 3,356 ttable 1,988 with a significant value of 0.001 0.05, this shows that the entrepreneurship learning variable influences interest in entrepreneurship, thus H1 is accepted.
ANALYSIS OF FACTORS AFFECTING PUBLIC INTEREST IN BECOME CUSTOMERS AT KSP SURYA ABADI MANDIRI Uswah Hasanah; Mutiah Khaira Sihotang
Proceeding International Seminar of Islamic Studies INSIS 5 (March 2023)
Publisher : Proceeding International Seminar of Islamic Studies

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Abstract

The purpose of this study was to determine the factors that influence people's interest in becoming customers of KSP Surya Abadi Mandiri. This research approach used is quantitative research. The sampling technique in this study used the slovin formula, so the number of samples studied was 25 respondents. The test results obtained simultaneously, the independent variables of service, location and product together can influence the dependent variable of customer interest with the acquisition of fcount 29.018 ftable 3.03 with a significance level of 0.000. The value of R square (R2) in this study was obtained at 0.806 or 80.6%. This means that the dependent variable of customer interest can be explained by the independent variables of service, location and product by 80.6% while the remaining 19.4% is explained by other variables outside the research variables used. Partially, the service variable has a positive and significant influence on customer interest with a tcount value of 4.957 ttable 2.073 with a significance level of 0.000. The location variable partially has a positive and significant influence on customer interest with the acquisition of tcount 3.168 ttable 2.073 with a significance level of 0.005. The product variable partially has no significant effect on customer interest with a tcount of 0.400 ttable of 2.073 with a significance level of 0.312.
Pengaruh Pembiayaan Dana Talangan Umroh Terhadap Minat Masyarakat Menjadi Nasabah Di PT. Sharia Multifinance Astra Fauzia Nur Hasanah; Mutiah Khaira Sihotang
Jurnal Manajemen Akuntansi (JUMSI) Vol 3, No 3: 2023
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v3i3.4231

Abstract

This study aims to examine and determine the effect of Umroh Bailout Fund Financing on Public Interest in Becoming Customers at PT. Sharia Multifinance Astra. Research Methods This thesis is a type of quantitative research. This study uses one independent variable and one dependent variable. The independent variable in this study is the financing of Umrah bailout funds and the dependent variable in this study is community interest. The data collection technique in this study was in the form of questionnaires distributed to 50 respondents. In analyzing the data, researchers used analysis with several steps to test the validity of the data,reability test, simple regression tests and hypothesis testing. The results of this study show that the t-count value is 4.473 >t-table 2.010, meaning that the financing variable for Umrah bailout funds affects the community to become customers at PT. Sharia Multifinance Astra.
Peran Pembiayaan Murabahah Dalam Pengembangan Kinerja Usaha Mikro Pada Baitul Maal Wat Tamwil (BMT) UB Amanah Syariah Laut Dendang Suherti Nur Elyana; Mutiah Khaira Sihotang
Jurnal Manajemen Akuntansi (JUMSI) Vol 3, No 4 (2023)
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v3i4.4993

Abstract

With the development of the times, the quality of education has become a necessity and is required to be able to fulfill everything required by each institution in the education unit. The learning process is said to be successful if all aspects of learning can support each other to create a conducive situation in the learning activity so that the learning objectives can be achieved. achieved optimally. The research approach used is a qualitative approach. A qualitative approach is defined as a research approach that asks questions and procedures in collecting data from participants, analyzing data and interpreting data. This research was conducted at MTs PN 4 Medan on Jalan Raya Besar, kec. Medan Labuhan, Medan City, North Sumatra. Based on the results of the research that has been carried out, it can be concluded that learning Islamic Religious Education, Islamic Cultural History Subjects, uses the Image Media-Based Team Teaching Model to Improve Student Learning Activities at MTs PN 4 Medan.
Pengaruh Inklusi Keuangan Dan Literasi Keuangan Terhadap Kinerja Keuangan Pada BSI Region Medan Yusti Laila; Mutiah Khaira Sihotang
Al-Sharf: Jurnal Ekonomi Islam Vol 3, No 3 (2022)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v3i3.451

Abstract

This study aims to determine the effect of financial inclusion and financial literacy on financial performance in the region medan BSI. The data collection technique in this study used a questionnaire, which is in the from of a data collection technique which is carried out by providing questions and written statements to respondents to be answered. The population in this study was all employees in the BSI medan Region. The sample was taken using a saturated sampling technique (total sampling) with a total of 17 employees. The data analysis techniques used in this study are Validity Test, Reliability Test, Normality Test, Multicholinearity Test, Heteroskedasticity Test, t Test, f Test, r Test, Multiple Linear Regression using the help of SPSS. The obtained multiple linear equation Y= 5.327 + 0.444 + 0.438. The results showed that there was an influence of financial inclusion on financial performance with a value of sig = 0.041 and t_hitung 2.256 > t_tabel 2,131, there was an effect of financial literacy on financial performance with a value of sig = 0.026 and t_hitung 2,486 > t_tabel 2,131, simultaneously there is an influence of financial inclusion and financial literacy on financial performance with a value of sig = 0.002 and a calculation of 9.549. The value of R Square of 57.7% the remaining 42.3% is influenced by other variables that are not studied. The conclusion of the financial inclusion research affects financial performance, financial literacy affects finances, simultaneously financial inclusion and financial literacy affect financial performance in BSI Medan Region.
Pengaruh Pembiayaan Jual Beli dan Pembiayaan Bagi Hasil Terhadap Laba Bersih Perusahaan Nuri Purnama Sari; Mutiah Khaira Sihotang
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 5 No 1 (2023): August 2023
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v5i1.4032

Abstract

The aim of the research is to determine the effect of Buying and Selling Financing and Profit Sharing Financing on the Net Profit of Bank Muamalat Indonesia. This research uses a quantitative approach. The research population is the Financial Report of Bank Muamalat Indonesia and the sample chosen is the Financial Report of Bank Muamalat Indonesia in 2009-2022 with 56 quarters (13 years) recorded. The data analysis technique used is multiple linear regression analysis. The results of this research show that directly the Adjusted R Square (R2) value of 0.237 has a significant and partial influence between Buying and Selling Financing on the Financial Performance of Bank Muamalat Indonesia. However, there was no partial influence of Profit Sharing Financing but there was a significant positive influence of Profit Sharing Financing on the Net Profit of the Bank Muamalat Indonesia Company. Even so, between these two variables simultaneously and significantly there is an influence of Buying and Selling Financing and Profit Sharing Financing on the Net Profit of the Bank Muamalat Indonesia Company. Future researchers are expected to be able to develop research related to other Islamic Bank Financial Reports.
Menganalisis Pengaruh Non-Performing Financing (NPF), Kewajiban Penyediaan Modal Minimum (KPMM), dan Financing to Deposit Ratio (FDR) Terhadap Cadangan Kerugian Penurunan Nilai (CKPN) pada Perbankan Syariah di Indonesia Irawati Irawati; Mutiah Khaira Sihotang
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 5 No 1 (2023): August 2023
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v5i1.4078

Abstract

This research aims to analyze the influence of NPF, KPMM, and FDR on CKPN on sharia banking in Indonesia. Research methods with quantitative methods described in multiple linear regression analysis models. The research population was sourced from the Financial Services Authority through Sharia Banking Statistics. This type of research with secondary data in the form of monthly data from 2017 to 2022 was then progressed with multiple regression analysis so that 72 data were obtained. The technique of nonprobability sampling by purposive sampling. The results of the study are as follows: (1) The estimation model shows an R2 value of 0,73 which represents the value of the coefficient of determination. This means that 73% of the dependent variable variation is able to be explained by the independent variables in this model. The remaining 27% is explained by other causes that are not included in the model; 2) The regression model on the independent variable simultaneously influence the dependent variable, so that the independent variable regression model can be used to predict the dependent variable; and (3) This research results in the output that NPF has an influential and significant effect on CKPN in sharia banking in Indonesia. This research also produced the results that KPMM and FDR have no effect and are not significant on CKPN in sharia banking in Indonesia.
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.
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 Angin, Jansen Riko Perangin Aulia Syarif Nasution Cut Zahara Salidia Sabrina Damanik, Syifa Namira Dimas Risky Muharram Dina Fakhira Dinda Tri Jelita Ella Umayya Enjela Kasmawati Fadhil Musyafa Fauzia Nur Hasanah Hairani Winarti Haris Al Amin hasanah hasanah Hutauruk, Rafli Iis Siti Jahro Irawati Irawati Irvan Maulana Isra Hayati Khairatun Hisan Lukman Hamdani M. Iqbal M. Iqbal M. Iqbal M. Satrya Mutthaqin Marbun, Nova Fajria Marpaung, Mutiara Evelin Yoseva Muhammad Hafiz Muhammad Ikhwan Munardi, Benny Muslim Marpaung Nabila Intan Sahfira Nadila Syahputri Nasution, Salman Nuri Purnama Sari Putri Zahrani Purba Rahma, Sabila Rahmanta Rahmanta Rahmayati Rahmayati Raihani Fadila Reza Novriansah Siahaan Ricca Hendarti Sakinah, Sheila Sarah, Arina Sami Shinta Dewi Sijabat, Hotman Priwaldi Siregar, Anggita Rahma Siregar, Hapni Laila Siregar, M. Andra Febrian Siti Afifah Salsabila Siti Mujiatun Siti Nurkhalifah Siti Zahra Amelia Putri Nasution Suherti Nur Elyana Susilawati Susilawati Syahilla Lubis Syahrul Amsari Tantri Arum Titi Syahfitri Pane Uswah Hasanah Uswah Hasanah Uswah Hasanah Widyaloka, Jahara Yusti Laila