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Soemitra, Andri
Universitas Islam Negeri Sumatera Utara
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ANALISIS PELAYANAN PUBLIK DALAM PERSPEKTIF EKONOMI ISLAM Rafi Husin Harahap; Andri Soemitra
Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 1 No. 4 (2023): Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.572349/neraca.v1i4.248

Abstract

Analisis mengenai pelayanan publik dalam pandangan ekonomi Islam memaparkan prinsip-prinsip ekonomi Islam yang dapat diimplementasikan dalam penyediaan layanan publik. Dalam perspektif ini, prinsip keadilan, efisiensi, dan kesejahteraan sosial memiliki penekanan yang kuat. Abstrak tersebut memberikan pemahaman mengenai bagaimana prinsip-prinsip seperti keadilan distributif, larangan riba, dan keberpihakan kepada kepentingan umum mempengaruhi penyelenggaraan layanan publik. Analisis ini menyoroti pentingnya penyediaan layanan yang merata, transparan, dan memberikan manfaat maksimal kepada seluruh masyarakat tanpa membedakan status sosial atau ekonomi. Dengan merujuk pada perspektif ekonomi Islam, abstrak tersebut menawarkan sudut pandang yang komprehensif dan etis mengenai bagaimana pelayanan publik harus diatur dan dijalankan. Tujuannya adalah untuk memastikan bahwa layanan publik tidak hanya efektif dari segi ekonomi, tetapi juga adil dan memberikan manfaat berkelanjutan kepada masyarakat.
ANALISIS PERAN ADMINISTRASI BIRO UMUM TERHADAP PENCAPAIAN KINERJA PEMERINTAH PROVINSI SUMATERA UTARA Amin Akbar; Andri Soemitra
Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 1 No. 4 (2023): Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.572349/neraca.v1i4.249

Abstract

Abstrak ini mengulas pentingnya administrasi biro umum dalam mendukung pencapaian kinerja pemerintah provinsi Sumatera Utara. Dengan melakukan analisis mendalam, artikel tersebut menjelaskan bagaimana efisiensi dan efektivitas biro umum memiliki dampak yang signifikan pada berbagai aspek implementasi kebijakan publik dan pelayanan di tingkat provinsi. Penelitian ini menggunakan metode observasi dan studi dokumentasi untuk mengumpulkan data yang relevan. Hasilnya menyoroti tantangan yang dihadapi serta memberikan rekomendasi perbaikan guna meningkatkan kontribusi positif administrasi biro umum terhadap kinerja pemerintah daerah. Studi ini memberikan wawasan berharga bagi praktisi, akademisi, dan pembuat kebijakan dalam mengoptimalkan peran biro umum sebagai motor penggerak keberhasilan pemerintahan daerah.
EFEKTIVITAS LAYANAN ADMINISTRASI KEUANGAN TERHADAP PENYALURAN BEASISWA DI KANTOR GUBERNUR SUMATERA UTARA Muhammad Raihan Kamil; Andri Soemitra
Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Vol. 1 No. 4 (2023): Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.572349/neraca.v1i4.250

Abstract

Program beasiswa pendidikan di Sumatera Utara merupakan bagian dari upaya pemerintah untuk memberikan akses pendidikan yang merata. Namun, penelitian ini menyoroti bahwa meskipun terdapat persyaratan yang harus dipenuhi, ada indikasi bahwa program ini belum sepenuhnya efektif dalam mencapai tujuannya. Beberapa responden menyebutkan adanya manipulasi data untuk memenuhi kriteria, pencalonan melalui bantuan orang dalam, dan penggunaan beasiswa untuk kepentingan pribadi. Penelitian ini juga menggarisbawahi pentingnya aspek layanan administrasi keuangan dalam penyaluran beasiswa. Ditekankan perlunya kriteria seleksi yang jelas, transparansi informasi, proses aplikasi yang mudah diakses, evaluasi finansial yang adil, serta monitoring dan evaluasi yang ketat terhadap penggunaan dana. Demi keberhasilan yang lebih baik, diperlukan keterlibatan pihak terkait, komunikasi yang efektif kepada penerima beasiswa, dan kanal untuk umpan balik. Hal ini menegaskan bahwa layanan administrasi keuangan yang efektif menjadi kunci dalam menjaga keadilan, efisiensi, dan transparansi dalam penyaluran beasiswa untuk mendukung kesetaraan akses pendidikan.
KAJIAN FIQH MUAMALAH TERHADAP PRODUK PEMBIAYAAN DI PERBANKAN SYARIAH Nst, Muhammad Lathief Ilhamy; Soemitra, Andri
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.v10i1.11979

Abstract

In the execution of funding, Islamic banks should satisfy two vital angles, specifically: (1) sharia perspectives, where in each acknowledgment of supporting with clients, Islamic banks should comply to Islamic sharia rules; and (2) the financial viewpoint, which is to remember the benefit gain, both for sharia banks and for sharia bank clients. In view of the conversation above, it very well may be reasoned that the funding in Islamic banking is overwhelmed by murabahah (shopper finance) and mudharabah (working capital) supporting. To guarantee that the execution of murabaha funding is as per the sharia idea, management is required from the Sharia Administrative Board or the Public Sharia Committee, so that murabahah supporting as the diva funding in sharia banking stays inside sharia leads and doesn't harm the picture of sharia banking as a foundation so there could be presently not any impression. that Islamic banks are equivalent to customary banks. Funding will be financing given by involved with one more party to help arranged speculations, either without anyone else or by foundations. All in all, supporting is subsidizing gave to help arranged speculations. The term funding fundamentally implies I accept, I trust. The word funding which implies (trust) implies that the monetary foundation as sahibul al-mal places trust in somebody to do the command given. These assets should be utilized appropriately, reasonably, and should be joined by clear and commonly useful agreements for the two players. Each Islamic monetary establishment has a way of thinking of looking for the joy of Allah swt. to acquire great in this world and the great beyond. Along these lines, any exercises of monetary establishments that are dreaded to go astray from strict direction should be kept away from.
ACCOUNTABILITY AND TRANSPARENCY OF WAQF MANAGERS IN INCREASING TRUST IN ENDOWMENTS FOR DEVELOPMENT: LITERATURE STUDY Selfi Afriani Gultom; Andri Soemitra
Jurnal Akuntansi dan Pajak Vol 23, No 1 (2022): JAP : Vol. 23, No. 1, Februari 2022 - Juli 2022
Publisher : ITB AAS INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jap.v23i1.5263

Abstract

This article analyzes the role of accountability and transparency in increasing the trust of waqf institutions. Along with the development of information and science, waqf has become a financial instrument that is not only a means of improving welfare but also a supporter of development that can create state progress. This article is a literature study of reputable national and international books, journals. The discussion is sorted by taking content that is in accordance with the focus of the accountability theme. There are 50 selected journals with 20 national journals and 30 international journals. Furthermore, the content is divided into six focus discussions. The results of the discussion found that accountability and transparency were the main indicators to increase the trust of the wakif and the public regarding the waqf funds entrusted to the waqf management institution. Accountability and transparency are carried out not just preparing waqf accountability reports according to standards. Reports must be informed massively to all wakif, stakeholders, and the public by using various communication media, both print, and electronic media, so that waqf becomes a culture. The integrity of information will increase trust, increase the number of wakif and funds, add models of waqf instruments that can be used for comprehensive community development for the development of the country.
Pengaruh Kualitas Pelayanan Frontliner Terhadap Kepuasan Nasabah Iqbal Sitompul; Andri Soemitra
Cakrawala Repositori IMWI Vol. 5 No. 2 (2022): Cakrawala Repositori IMWI
Publisher : Institut Manajemen Wiyata Indonesia & Asosiasi Peneliti Manajemen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52851/cakrawala.v5i2.107

Abstract

Penelitian ini bertujuan untuk mengetahui dan menganalisis pengaruh kualitas pelayanan frontliner terhadap kepuasan nasabah pada PT. Pegadaian (Persero) UPC Pancing-Medan. Data yang digunakan adalah data primer dan pendekatan kuantitatif. Ada 100 orang karyawan UPC Pancing yang berpartisipasi dalam penelitian ini Penelitian ini menggunakan analisis regresi linear berganda sebagai teknik analisisnya. Kualitas pelayanan (X) sebagai variable independent mencakup bukti langsung, keandalan, daya tanggap, jaminan dan empati dan kepuasan nasabah sebagai variable terikat. Menurut penelitian ini secara simultan kualitas pelayanan (X) yang terdiri dari bukti langsung, keandalan, daya tanggap, jaminan dan empati mempunyai pengaruh terhadap kepuasan secara positif dan signifikan. Hasil penelitian secara parsial menunjukkan bahwa keandalan berpengaruh signifikan terhadap kepuasan, jaminan berpengaruh signifikan terhadap kepuasan, dan empati berpengaruh signifikan kepuasan.
Behavior analysis of MSMEs in Indonesia using fintech lending comparative study between sharia fintech lending and conventional fintech lending Nurbaiti Nurbaiti; Asmuni Asmuni; Andri Soemitra; Imsar Imsar; Siti Aisyah
JPPI (Jurnal Penelitian Pendidikan Indonesia) Vol 9, No 4 (2023): JPPI (Jurnal Penelitian Pendidikan Indonesia)
Publisher : Indonesian Institute for Counseling, Education and Theraphy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/020232273

Abstract

The presence of sharia financial technology (fintech) as a credible financial institution is expected to be able to help the problems that are often faced by Micro, Small and Medium Enterprises (MSMEs) in Indonesia. This study aims to determine whether there are differences in the behavior of MSME actors in the use of sharia fintech lending and conventional fintech lending. The research method used in this research is normative legal research by analyzing the laws and regulations as well as relevant studies through the issues in the study. This study uses a statutory and conceptual approach, both of which function to analyze the applicable legal rules so that differences can be found between conventional and sharia peer to peer lending fintechs and the extent to which sharia rules are applied in these fintechs. This study concludes that Islamic fintech plays a role as a driving factor in increasing the inclusiveness of Micro, Small and Medium Enterprises (MSMEs) in Indonesia. The presence of the sharia fintech industry can overcome the problems of Micro, Small and Medium Enterprises (MSMEs) in Indonesia, especially related to financing needs, ease of transaction processing, expansion of market access, and ease of preparation of financial reports.
Strategi Pemasaran Pada Pembiayaan Haji Di Indonesia : Studi Literatur Persepsi Mahasiswa PascaSarjana Bidang Perbankan Syariah Anhar Ziqhri; Andri Soemitra
Maro: Jurnal Ekonomi Syariah dan Bisnis Vol. 5 No. 2 (2022)
Publisher : Prodi Ekonomi Syariah Universitas Majalengka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31949/maro.v5i2.2810

Abstract

Ibadah haji merupakan rukun islam yang kelima masa tunggu haji yang relatif lama membuat masyarakat harus menunggu untuk berangkat haji selain itu banyak masyarakat yang menunggu mapan dan sudah tua untuk berangkat haji,padahal masyarakat dapat mendaftar haji walaupun di usia muda. Rendahnya peminat pembiayaan haji terlihat dari banyak masyarakat yang memilih tabungan haji dibandingkan pembiayaan haji padahal dengan adanya pembiayaan haji harapannya masyarakat dapat lebih mudah melaksanakan ibadah haji sejumlah penelitian mengkaji tentang strategi pemasaran produk pembiayaan haji namun sepanjang penelusuran peneliti belum ada yang mengkaji secara komprehensif bagaimana strategi pemasaran pembiayaan haji di indonesia. Desain penelitian ini kualitatif dengan studi literatur dari 10 paper yang relevan dengan pertanyaan penelitian.selanjutnya penelitian dilanjutkan dengan wawancara mahasiswa pascasarjana bidang perbankan syariah .hasil penelitian menunjukkan terdapat beberapa strategi pemasaran dalam memasarkan produk pembiayaan haji di indonesia melalui lembaga keuangan syariah seperti pegadaian syariah dan perbankan syariah.
Towards a Sustainable Halal Ecosystem: Regulators' Perspectives in the Era of Mandatory Halal Certification 2026 Ismail Ismail; Andri Soemitra; Zuhrinal M. Nawawi; Azhari Akmal Tarigan
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 24 No. 1 (2025): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v24i1.5970

Abstract

This study examines stakeholder perspectives on the mandatory halal certification requirement for Small and Medium Enterprises (SMEs) in North Sumatra, which will take effect in 2026. The core issue explored is how this obligation presents both opportunities and challenges in enhancing the competitiveness of SMEs. The study aims to identify barriers, solutions, and cross-sector collaborations in the implementation of halal certification. This research employs a qualitative descriptive approach, utilizing in-depth interviews with informants from government bodies, academia, and SME assistance institutions. The findings indicate that halal certification contributes to increased consumer trust and strengthens SME competitiveness. However, significant challenges remain, including high certification costs, complex procedures, and a lack of awareness campaigns. Proposed innovations include simplifying certification procedures, government subsidies, and technical training and assistance. This study updates the existing literature by highlighting the role of cooperative agencies and SME assistance institutions in the halal supply chain, which has previously received limited attention. In this context, cross-sector collaboration and flexible policies are essential to overcoming the challenges faced by SMEs, ensuring inclusive access to halal certification, and enhancing global competitiveness.‎
Strategies for Accelerating MSME Financing Distribution at Bank Aceh in Compliance with Aceh Qanun No. 11 of 2018 Irvan Murizal; Andri Soemitra; Nur Ahmadi bi Rahmani
Pena Justisia: Media Komunikasi dan Kajian Hukum Vol. 24 No. 1 (2025): Pena Justisia
Publisher : Faculty of Law, Universitas Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31941/pj.v24i1.5995

Abstract

After the issuance of Qanun Aceh Number 11 of 2018 concerning the Development of MSMEs (Article 60‎ paragraph 4), the Islamic financial system in Aceh Province has undergone a transformation, including Bank‎ Aceh, whose target for MSME distribution has reached 40%, but distribution is still 14.53%, so‎ the purpose of this article is to find out the strategic model for accelerating MSME financing‎ of Bank Aceh Syariah in achieving Qanun 11 of 2018. This research methodology‎ uses a qualitative approach to experts with Intepretative Structural‎ Modeling (ISM). The results show that the right strategy to accelerate‎ MSME financing in achieving Qanun No. 11 can be realized with ISM analysis‎ there are several conditions that need to be strengthened to support Bank Aceh's goals in‎ accelerating MSME financing in accordance with Qanun No. 11 of 2018. The results‎ explore strategies to accelerate the distribution of MSME financing at Bank Aceh in‎ order to fulfill Aceh Qanun No. 11 of 2018. This research analyzes four‎ key elements: needs, constraints, institutions involved, and effectiveness. From the‎ needs element, the main focus is on improving financing accessibility which includes‎ providing clear information and training for MSME actors. The constraints element‎ identifies the issue of unbankable MSMEs, i.e. business actors who do not meet‎ the requirements to obtain financing due to lack of documentation or collateral. ‎‎In terms of institutions involved, local governments play an important role in creating an enabling environment for MSMEs through policies and development programs. ‎‎Finally, effectiveness is measured through the increase in the number of MSMEs that successfully obtain financing and its impact on economic growth in Aceh. ‎
Co-Authors Abd Latip Abdi Jaya Abdillah Aswari Abdullah, Ikhsan Achmad Habib Hamsar Adila Khairani br Tambunan adlina Hasan Afifah Rahmadani Afrizal Afrizal Agiet Mutiara Rengganis Agna Sabrina Ahmad Muhajir Ainun Mardhiah Alfi Amelia Alvi Natzmi Alya Rahma Siregar Amalia, Alfi Amin Akbar Amin Al Jawi Ammy, Baihaqi Anang Andrian Anggi Pratiwi Sitorus Anggia Nurulita Anhar Ziqhri Aninda Mahfadillah Annisa Ayu Kusuma Aqwa Naser Daulay Aqwa Nasir Daulay Arbanur Rasyid Arief Arnadila Dwi Syahputri Arnida Wahyuni Lubis Asmaul Husna Asmaul Husna Asmuni Asmuni Asmuni Asmuni Asmuni Atika Ayu Andini Azhari Akmal Tarigan Azwansyah Habibie, Azwansyah Bambang Lesmono Berlian Puspita Ningrum Burhanuddin Cindi Husna Pratiwi Cut Nurul A’la Dandi Ibnu Sutowo Dharma, Budi Dini Rahmayani Dwi Kresna Riyadi Dwi Purnama Sari Elma Fadilah Fahrul Azhar Kesogihin Faisal Nasution Fathur Rahman Fauzan Fahmi Hasibuan Feby Sahira Fenni Windi Yati Fira Nafisah Fitri Fuadi Fuadi Gultom, Selfi Afriani Handana Sembiring Hayati, Fitri Hendra Hendra Herry Syahbanuddin Husni Pasarela Imsar, Imsar Indah Pratiwi Indra Prawira Iqbal Sitompul Irham Khalid Irna Permata Sari Irvan Murizal Iskandar Muda Ismail Ismail Ismail Ismail Ismul Fakhri Lubis Isnaini Harahap Jaidil Kamal Julfan Saputra Juliana Nasution Juliana Sari Harahap Julita, Julita Kamaruddin Kamaruddin Kamilah, K Kaswinata Kaswinata Khairani Andini Daulay Khairina Tambunan Laila Tiffany Hasibuan Lailan Safina Hasibuan M. Fauzan M. Ikhsan Harahap M. Indra Mulia Nasution M. Shabri Abd. Majid M.Indra Mulia Nasution Mahfuzah Dalimunthe Maisyarah Salsabilaa Marliyah Maulana M Hamzah Maya Dian Eka Sari Mhd Zulkifli Hasibuan Mhd. Chairul Abdi Muhammad Arfan Harahap Muhammad Fikri Pohan Muhammad Habrul Aji Muhammad Hakim Sitompul Muhammad Ikhsan Harahap Muhammad Raihan Kamil Muhammad Ridwan Muhammad Rizal Muhammad Yafiz Mustapa Khamal Rokan Nadhrah Adlina Ritonga Nasution, Muhammad Irwan Padli Nia Safitri Br Tarigan Nina Amanda Nindya Azzahra Nisa Aulia Nova Fitri Yasdiana Nst, Muhammad Lathief Ilhamy Nur Ahmadi Bi Rahmani Nur Ahmadi Bi Rahmani Nur Amadi Bi Rahmani Nur Jannah Al Baiti Nurbaiti, Nurbaiti Nurdiana Nurdiana Nurhajijah Nuri Aslami Nurlaila Nurul Hasanah Syah Nurul Izzah Nurul Jannah Oktavera Rizki Palti Raja Siregar Ponco Setio Wijaksono Putri Afdillah Putri Wulandini Sagala Rafi Husin Harahap Rahmad Bahagia Rahmadi Rambe Rahmat Daim Harahap Raja Sakti Putra Harahap Ramdansyah Fitrah Ridha Alhamdi Rifki Ismail Rifki Ismal Rifki Rifki Ismal Ririn Khairiyah Rizka Salsabila Rizki Kurniawan Rohaya Rudy Rifalgi Rukiah Sabarudin Chaniago Sanusi Gazali Pane Saparuddin Siregar Sartika Sartika Sheerina Said Mazruk Shifa, Mutiara Silvia Handayani Siregar Siti Aisyah Siti Hamizah Harahap Siti Mutiah Ulfha Siti Nurhalizah Lubis Sri Sudiarti Sugianto Sugianto Sugianto Sugianto Sugiyanto Sugiyanto Suharto, Tentiyo Sukiman Sukiman Syachrul Wahyudi Syilvana Dwi Novianti Syuhada Fela Yudha T. Wulan Arianti Tengku Imam Alwafi Tiara Ermelia Tuti Anggraini Vania Auziva Wahyu Syarvina Widy Hastuty HS Yaumul Khair Afif Yenni Arafah Yenni Arfah Yenni Samri Juliati Nasution YUDI SISWADI Yusrizal Yusrizal Zainur Zainur Zuhrinal M Nawawi ZULFA KHAIRINA BATUBARA Zulfan Kurniawan Zunaida Riska