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Pengaruh Pembiayaan Bermasalah Dan Efisiensi Operasional Terhadap Profitabilitas Bank Syariah Periode 2013-2022
Dela Setia;
Muhammad Arif;
Reni Ria Armayani Hasibuan
GEMILANG: Jurnal Manajemen dan Akuntansi Vol. 3 No. 4 (2023): Jurnal Manajemen dan Akuntansi
Publisher : BADAN PENERBIT STIEPARI PRESS
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DOI: 10.56910/gemilang.v3i4.866
The focus of this study is to determine the effect of variable X1 financing problems and variable X2 operational efficiency on variable Y profitability of PT Bank Muamalat Indonesia within a predetermined time span, namely the 2013-2022 period. Quantitative research methods with associative approaches and documentation data collection techniques are used in this study. Secondary data sources come from all financial ratio reports of PT Bank Muamalat Indonesia which are also the population and 40 financial reports in quarterly form from the 2013-2022 period as a sample. Eviews 12.0 was used to process data with the R2 test, T test, F test and the classical assumption test considered across multiple linear regression. According to the results of simultaneous hypothesis testing. Based on the analysis of the NPF and BOPO variables, it was found that Fcount was 808.5030 and Ftable was 3.252, which means Fcount > Ftable, so the results of this test indicated that both NPF and BOPO simultaneously had a significant effect on ROA. Through the t test the NPF variable has a tcount value of 2.379788 and a probability of 0.0226 when compared to ttable = 2.026, meaning that the value of tcount > ttable corresponds to the results of the t test. Then H0 is rejected and Ha is accepted. The significance value of BOPO is 0.0000, which is less than 0.05, thus indicating the result that BOPO has a significant effect on ROA. thus giving an illustration that H0 is rejected and Ha is accepted.
The Development Strategy of the Dragon Fruit Farming Business in Sei Sijenggi Village Reviewed from The Side of Maslahah
Laiyinna Misqha Efendi;
Muhammad Arif;
Aqwa Naser Daulay
Jurnal Manajemen Bisnis Vol. 11 No. 2 (2024): September
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia
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DOI: 10.33096/jmb.v11i2.886
This research aims to identify strategies for developing the dragon fruit farming business in Sei Sijenggi Village using SWOT analysis based on the mashlahah (Welfare) theory. This research was conducted qualitatively and data was collected through observation and interviews. SWOT analysis is used to analyze the collected data. The research found that internal factors consist of four strength factors and four weakness factors, while external factors consist of four opportunity factors and four threat factors. In the SWOT diagram, the combination of the IFAS value of 2.94 and the EFAS value of 2.86 shows that the strategy for developing the dragon fruit farming business in Sei Sijenggi Village is in quadrant 1 from the mashlahah side. This condition shows that it is still in a strategic position to continue to be developed because the strength score is more dominant than the weakness score (easy cultivation and low risk in accordance with the mashlahah principle) and the opportunity score is more dominant than the threat score (potential supporting natural resources). The S-O (Strength-Opportunity) strategy is the main strategy that can be used in this research. However, aggressive strategies were used to support this research.
Pengaruh Realisasi Program Sosialisasi Dan Akuntabilitas Pelaporan Keuangan Terhadap Motivasi Masyarakat Untuk Membayar Zakat
Muhammad Arif
Al-Hisbah Jurnal Ekonomi Syariah Vol 3 No 1 (2023): Al-Hisbah Jurnal Ekonomi Syariah
Publisher : Institute Agama Islam Tafaqquh Fiddin Dumai
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DOI: 10.57113/his.v3i1.218
Zakat sebagai salah satu rukun Islam yang wajib ditunaikan oleh umat muslim. Al-Qur‟an dan sunnah selalu menggandengkan shalat dengan zakat. Ini menunjukkan betapa eratnya hubungan antara keduanya. Keislaman seseorang tidak akan sempurna kecuali dengan kedua hal tersebut. Zakat merupakan jembatan menuju Islam. Apabila seseorang memahami ajaran agama dalam hal ini mengenai zakat maka ia memahami kewajiban membayar zakat jika sudah sampai nisab dan haulnya. Penelitian ini menggunakan pendekatan metode kuantitatif, data yang digunakan dalam penelitian ini adalah data primer yang diperoleh melalui penyebaran kuesioner kepada 42 responden. Analisis data menggunakan Analisis Regresi Linear Berganda dengan bantuan SofwareSPSS 21.0 Windows. Hasil dari penilitian ini menunjukkan bahwa sosialisasi dan pelaporan keuangan secara parsial memberikan kontribusi positif dan signifikan terhadap motivasi masyarakat untuk membayar zakat di BAZNAS Kota Dumai.
PENGENALAN DASAR MICROSOFT WORD PADA SISWA-SISWI SMPN 5 WANASALAM
Ramadani;
Kelvin Ramadhan;
Fadli Nurfajar;
Indra Prastya;
Muhammad Arif;
Rubby Ramadhani;
Naufal Fawwazi;
Muhammad Zaky Shafwan Abdurrahman;
Muhammad Rizal Abdul Aziz;
Muhamad Suhendra
APPA : Jurnal Pengabdian Kepada Masyarakat Vol 1 No 5 (2024): APPA : Jurnal Pengabdian kepada Masyarakat
Publisher : Shofanah Media Berkah
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Microsoft Word merupakan sebuah program dari paket instalasi Microsoft Office, yang berfungsi sebagai perangkat lunak pengolah kata meliputi membuat, mengedit, dan memformat dokumen berupa teks misalnya seperti kertas kerja, brosur, kartu nama, buku, jurnal, dan lain-lain. Tujuan diadakannya Pengenalan Metode Pembelajaran Menggunakan Microsoft Word ini yaitu untuk memberikan pendidikan dan tambahan keterampilan kepada para peserta pengabdian masyarakat yang masih minim pengetahuannya dalam mengenal Microsoft Word. Peserta yang dimaksud adalah merupakan siswa-siswi dari SMPN 5 Wanasalam, yang dimana peserta tersebut berusia antara 13 tahun sampai dengan 15 tahun. Dari hasil pengabdian masyarakat ini. Jika ada kesempatan dan waktu, maka Mahasiswa Universitas Pamulang ingin melanjutkan pengabdian masyarakat ini dengan melakukan pelatihan dengan waktu yang lebih panjang, di karena materi dasar yang harus dikuasai dari pembelajaran Microsoft Word ini sangat banyak, sehingga pembekalan materi tidak cukup diberikan hanya dalam satu kali pertemuan.
Penerapan Standar Akuntansi Pemerintahan Dalam Mempertanggungjawabkan Keuangan Desa Padang Mahondang Kecamatan Pulau Rakyat Kabupaten Asahan
Dinda Andriani Marpaung;
Muhammad Arif;
Laylan Syafina
Jurnal Kendali Akuntansi Vol. 1 No. 4 (2023): Oktober : Jurnal Kendali Akuntansi
Publisher : Universitas Katolik Widya Karya Malang
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DOI: 10.59581/jka-widyakarya.v1i4.1261
This study aims to find out whether Padang Mahondang Village has implemented Government Accounting Standards in its Village Financial Accountability in accordance with PSAP No.01, to find out what procedures are made by Padang Mahondang Village in Presenting Village Financial Accountability Reports and What are the obstacles experienced by the village in the Implementation of Government Accounting Standards in Village Financial Accountability in accordance with PSAP No.01. The research methodology used is qualitative research. The data sources used are primary data obtained by direct interviews and secondary data obtained from related documents. The location of this research is in Padang Mahondang Village, Pulau Rakyat District, Asahan Regency. The results of this study can be concluded that the Application of Government Accounting Standards in Village Financial Accountability in this village has not been fully said to be good because there are still several financial reports that have not been made by the village government and the procedure for preparing village financial accountability reports is appropriate whereby making an Accountability Report Realization of APBDes Implementation, Village Regulations, Village-Owned Wealth Reports and Government and Regional Government Program Reports that enter the village.
STRATEGI PENGEMBANGAN EKOWISATA BERBASIS EKONOMI LOKAL STUDI KASUS AEK SIJORNI KEC. SAYUR MATINGGI TAPANULI SELATAN SUMATERA UTARA
Astri Hardina Amelia;
Muhammad Arif;
Muhammad Ikhsan Harahap
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
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DOI: 10.56874/eksya.v4i1.1435
The purpose of this research is to examine or find out the strength of the local economy and the strategies that encourage the development of Aek Sijorni's ecotourism potential. This research uses a qualitative approach method. The type of data used in this research is primary and secondary data. Data collection techniques through interviews, documentation. The informant in this research was Arif Firmansyah as Chair of the Tourism Awareness Group (Pokdarwis) of Aek Sijorni Tourism Village. The data analysis techniques used in this research are data reduction, data presentation and drawing qualitative descriptive conclusions. The research results stated that the Aek Sijorni Tourism Village had gone through planning management. The strength of the local economy in the Aek Sijorni Tourism Village, the community carries out economic activities by opening stalls, tourist rides, travel agencies and so on. A strategy that can encourage Aek Sijorni's ecotourism potential is to use a planning approach. The first is planning to develop facilities and infrastructure such as building access to tourist attractions, building new outbound rides, and other supporting facilities. The two human resource institutional plans for this program improve the quality of human resources. The program is held regularly in the form of Pokdarwis training. Third, with tourism marketing planning so that it is known to the wider community.
Pemikiran Ekonomi Islam M. Umer Chapra dalam Konteks Era Kontemporer
Ririn Anjani Rangkuti;
Muhammad Arif
JURNAL ILMIAH RESEARCH STUDENT Vol. 1 No. 3 (2024): Januari
Publisher : CV. KAMPUS AKADEMIK PUBLISING
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DOI: 10.61722/jirs.v1i3.605
Islamic economic thought continues to play an important role in formulating solutions to global economic challenges. This article specifically explores the thinking of M. Umer Chapra, a prominent Islamic economic scholar, and analyzes its relevance in dealing with contemporary economic complexities. The discussion begins by providing a background on the importance of Islamic economic thought, followed by a research objective that details the actuality of M. Umer Chapra's thought in addressing current global economic problems. The article highlights the basic concepts of Islamic economics, especially the principles of wealth distribution and economic justice, focusing on Chapra's holistic approach. M. Umer Chapra's biography and his contributions to the development of Islamic economics are analyzed in depth to provide contextual understanding. Through comparison with other economic thought, both Western and traditional, the article explores the similarities and differences in economic views, providing a comprehensive picture of M. Umer Chapra's distinctive contributions. The implementation of Chapra's thoughts in economic practice is demonstrated through case studies, while challenges and opportunities in applying Islamic economic concepts are presented in detail.
IMPLIKASI KENAIKAN HARGA MINYAK GORENG TERHADAP USAHA MIKRO DI KECAMATAN KALIDONI KOTA PALEMBANG
Muhammad Arif;
Rahmi Hidayati;
Nur Azmi
Journal of Scientech Research and Development Vol 5 No 2 (2023): JSRD, December 2023
Publisher : Ikatan Dosen Menulis
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DOI: 10.56670/jsrd.v5i2.264
Minyak goreng adalah produk yang memiliki fungsi sebagai bahan dalam proses menggoreng dan menambah nilai suatu bahan makanan. Penelitian ini bertujuan : 1. Untuk mengidentifikasi implikasi dari kenaikan harga minyak goreng terhadap pelaku usaha mikro 2. Untuk mengidentifikasi strategi penjualan apa yang menjadi pilihan pelaku usaha mikro untuk mensiasati dari kenaikan harga minyak goreng ini. Penelitian ini dilaksanakan di Kecamatan Kalidoni Kota Palembang. Metode penelitian adalah metode Non Probability dengan mengacu pada metode Purposive Sampling dengan menggunakan beberapa pertimbangan tertentu sesuai dengan kriteria yang diinginkan untuk dapat menentukan jumlah sampel yang akan diteliti maka didapatlah 15 responden untuk penelitian ini. Hasil penelitian menunjukkan bahwa terdapat implikasi dari kejadian naiknya harga minyak goreng terhadap pelaku usaha mikro yaitu dari biaya produksi yang tentunya harga minyak goreng menjadi mahal lebih dari 100% dibanding saat sebelum pandemi, selanjutnya dari produksi yang juga harus dikurangi pada saat pandemi yang turun mencapai 50%, lalu terakhir dari omzet dan pendapatan pelaku usaha mikro, rata-rata omzet yang didapat turun mencapai 50%. Sedangkan rata-rata pendapatan yang didapat turun mencapai 65%. Strategi yang diterapkan para pelaku usaha mikro untuk mensiasati dari kenaikan harga minyak goreng terhadap usaha yang mereka jalanankan diantaranya yaitu dengan mengurangi jumlah produksi harian yang menjadi pilihan keseluruhan responden dalam penelitian ini, selanjutnya dengan tidak menaikan harga produk namun disiasati dengan mengurangi ukuran produk dan bahan baku yang digunakan agar mengurangi besarnya biaya produksi yang dikeluarkan, lalu ada sebagian kecil dari pelaku usaha mikro ada yang terpaksa harus menaikan harga produk mereka namun dengan tidak mengurangi kualitas produknya, dan terakhir mereka tidak memproduksi salah satu menu produk mereka yang harga bahan baku produk tersebut sedang naik.
Implementasi Google Data Studio untuk Visualisasi Data Perceraian di Jambi tahun 2020 dalam Bentuk Dashboard
Dede Fadhillah;
Yanto, Budi;
Muhammad Arif;
Hendri;
Zulkifli, Akhmad
RJOCS (Riau Journal of Computer Science) Vol. 10 No. 1 (2024): RJOCS (Riau Journal of Computer Science)
Publisher : Fakultas Ilmu Komputer, Universitas Pasir Pengaraian
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DOI: 10.30606/rjocs.v10i1.2410
Perceraian merupakan fenomena sosial yang kompleks dan memiliki dampak yang signifikan pada individu dan masyarakat. Penelitian ini bertujuan untuk menganalisis kasus perceraian yang diajukan di Pengadilan Negeri Jambi, dengan fokus pada alasan perceraian yang paling umum, pembagian harta, dan hak asuh anak. Visualisasi data adalah jawaban untuk menyederhanakan data komplek menjadi format grafis sehingga lebih mudah untuk memahami kasus perceraian. Pengelolaan data perceraian merupakan suatu proses penting yang wajib dilakukan oleh pengadilan negeri. Dengan adanya pengelolaan data yang baik, maka pengadilan negeri mendapatkan nilai lebih. Nilai lebih tersebut seperti informasi pendukung pengambilan keputusan, agar mampu meningkatkan efisiensi serta efektivitas operasional pengadilan negeri. Penelitian kali ini menggunakan data nikah dan cerai yang diperoleh dari internet yakni sebanyak 41 data. Penelitian dilakukan dengan bantuan tools Google Data Studio untuk pembuatan dashboard. Hasil yang diperoleh yakni terdapat beberapa elemen yang membantu dalam memudahkan untuk membaca informasi, yakni elemen scorecard, elemen Chart Pie, elemen diagram batang, elemen diagram geografis, dan elemen tabel. Pada elemen Score card menampilkan total nikah dan cerai. Pada Chart Pie menampilkan insight data nikah dan cerai dalam jumlah persen, diperoleh cerai 36 dan nikah 5. Pada elemen diagram batang menampilkan tingkat perceraian di provinsi jambi setiap kabupaten, perceraian tertinggi berada di kecamatan Muaro Jambi dengan 3500 kasus
Analisis Prosedur Sistem Pembayaran Dana Pensiun Pada PT TASPEN (Persero) KCU Medan
Mutiara Lubis;
Muhammad Arif
Jurnal Mahasiswa Kreatif Vol. 1 No. 6 (2023): November : Jurnal Mahasiswa Kreatif
Publisher : Lembaga Pengembangan Kinerja Dosen
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DOI: 10.59581/jmk-widyakarya.v1i6.1934
Analysis of Pension Fund Payment System Procedures at PT Taspen (Persero) KCU Medan. This research aims to find out how the pension fund payment system is at PT Taspen (Persero) KCU Medan. This research is included in survey research using a qualitative research approach. The subject of this research is PT Taspen (Persero) KCU Medan. The research method used in data collection was interviews, observation and documentation. The results of this research show that the PT Taspen (Persero) KCU Medan pension fund payment system uses a pay as you go system by implementing two payment techniques, namely manual and Automatic Klim Services. The Automatic Klim service will make it easier to access pension payment claim applications, which are integrated by agencies or BKD. Completeness of administrative requirements will facilitate the process of paying pension funds. Through a claim application, either manual or automatic claim, that meets the requirements for salary payments, payments can be made either directly or by transfer. Retirement is one of the awards given to Civil Servants (PNS) for their services to the State. Procedures are guidelines and implementation of work which consists of continuous work step by step so that it is a form of collaboration between one part and another.