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Dampak Bisnis Online Shop dan Gaya Hidup terhadap Perilaku Konsumtif Mahasiswa Perbankan Syariah STAI Jam’iyah Mahmudiyah Tanjung Pura Arziki, Muhammad; Fuadi, Ahmad; Sinaga, Asmawarna
AGHNIYA : Jurnal Ekonomi Islam Vol 5, No 2 (2023): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v5i2.17592

The study aims to determine the partial and simultaneous effect of online shop and lifestyle on consumptive behavior of Islamic Banking students at STAI Jam'iyah Mahmudiyah Tanjung Pura. The data source for this research was obtained from questionnaire answers given by research respondents, namely students of the Islamic Banking Study Program, STAI Jam'iyah Mahmudiyah Tanjung Pura, as many as 70 respondents. Data analysis in this study used validity test, reliability test, classical assumption test, hypothesis test, and multiple linear regression analysis. Based on this test, it explains that there is a significant influence both partially and simultaneously between the online shop business and lifestyle on the consumptive behavior of Islamic Banking students at STAI Jam'iyah Mahmudiyah Tanjung Pura. The online shop business and lifestyle influence the consumptive behavior of STAI Jam'iyah Mahmudiyah Tanjung Pura Islamic Banking students by 56.3%, while the rest are influenced by other variables such as pocket money, social status, joining in and others. There is a positive or parallel relationship between the development of the online shop business and lifestyle with consumptive behavior, if the development of the online shop business increases and the lifestyle is high, the consumptive behavior of Islamic Banking students at STAI Jam'iyah Mahmudiyah Tanjung Pura will also increase, and vice versa if the development of the online shop business is decreasing and the lifestyle they have is decreasing, so the consumptive behavior of Islamic Banking students at STAI Jam'iyah Mahmudiyah Tanjung Pura will also decrease.

Strategi Promosi Kredit Usaha Rakyat dalam Meningkatkan Pembiayaan pada Bank Syariah Indonesia KCP Stabat Sintia, Yulia; Fuadi, Ahmad; Sinaga, Asmawarna
AGHNIYA : Jurnal Ekonomi Islam Vol 5, No 2 (2023): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/aghniya.v5i2.17594

This research focuses on discussing the promotion of people's business credit financing, obstacles in promoting people's business credit financing products and increasing people's business credit financing with promotional strategies carried out.The research method used in this research is a descriptive qualitative research method with an empirical approach. In this research, researchers used collection techniques, namely by observation, interviews and documentation. Data processing and analysis techniques include data reduction, data presentation, and drawing conclusions. The results of the research explain that the promotion strategy for people's business credit financing carried out by Bank Syariah Indonesia KCP Stabat is by distributing brochures to markets and various places, putting up banners in front of Bank Syariah Indonesia KCP Stabat and certain places, promoting on social media, promoting products in the surrounding environment. , word of mouth promotion, and referrals. There was an increase in people's business credit financing with promotional strategies carried out by Bank Syariah Indonesia KCP Stabat, however the increase was not significant due to increasingly tight competition coupled with the existence of mobile banks and loan sharks. Obstacles in promoting people's business credit financing products at Bank Syariah Indonesia KCP Stabat are the lack of customer interest in people's business credit financing products, customers feel that the requirements for applying for people's business credit are still difficult, there are ordinary customers who compare the processing time at Bank Syariah Indonesia KCP Stabat with banks or other financial institutions, customers do not really need funds for business capital and there is a lack of equipment for customers

Penerapan Laporan Keuangan Berdasarkan SAK EMKM Bagi Usaha Mikro Kecil Menengah di Kecamatan Gebang Sakdiah, Khairani; Pohan, Anjur; Sinaga, Asmawarna
Journal Economy and Currency Study (JECS) Vol. 5 No. 2 (2023)
Publisher : Pusdikra Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51178/jecs.v5i2.1427

Each region typically boasts its distinctive flagship products within the realm of SMEs, and this holds true for the Gebang sub-district of Langkat Regency, where roadside businesses thrive with their specialty products like "Cassava Chips" and "Dodol," a traditional Indonesian confection. According to Law No. 20 of 2008 on Micro, Small, and Medium Enterprises (MSMEs), a micro-enterprise is defined as a productive enterprise owned by an individual or a sole proprietorship entity that meets the micro-enterprise criteria as outlined in this Law. Thus, the formulation of comprehensive financial reports aids in planning future endeavors, thereby facilitating the creation of business plans that anticipate potential eventualities and strategically chart the path forward. Incorporating a comprehensive financial statement based on MSME Financial Accounting Standards (SAK EMKM) encompasses a balance sheet, income statement, and notes to the financial statements. The balance sheet should encompass at least cash and cash equivalents, receivables, inventory, fixed assets, trade payables, bank loans, and equity. The income statement portrays the relationship between an entity's income and expenses. This research employs a qualitative descriptive method, with data collection techniques comprising observation, interviews, and documentation. The data analysis is based on a month-long research period, and the findings are examined using descriptive analysis methods. The questionnaire, distributed to 17 respondents with 20 statements each, underwent statistical analysis, revealing the perception of MSME managers regarding the presentation of financial reports in accordance with MSME Financial Accounting Standards to be of a "Not Good/Low" rating. Contributing factors to this perception include the limited accounting understanding of MSME operators, their inadequate accounting knowledge preventing activities such as ledger and journal recording and financial statement preparation. Additionally, MSME operators lack a comprehensive understanding of the significance of financial reports in business operations and remain unfamiliar with MSME Financial Accounting Standards.

The Impact of Monetary Policy on the Stability of Bank Sumut Syariah KCP Stabat Umayra, Aisyah; Sinaga, Asmawarna; Aprilia, Dinda; Aliyah, Fhadilah Abir; Vebiliza, Ketrin
Al-Sharf: Jurnal Ekonomi Islam Vol 6, No 3 (2025)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v6i3.12541

This study aims to determine the impact of monetary policy on the operational and financial stability of Bank Sumut Syariah KCP Stabat, as well as the strategies employed in response to these changes. The method used is qualitative descriptive with data collection techniques in the form of interviews, observations, and documentation. The results of the study indicate that monetary policies such as changes in interest rates, inflation, and the rupiah exchange rate have a significant impact on financing activities and the mobilisation of public funds. In financing activities, changes in margins and economic conditions cause customers to delay applications or experience payment difficulties, which the bank addresses through strict selection, restructuring, and product innovation.

Pengaruh Kompensasi Terhadap Kinerja Karyawan PT. BANK Sumut Syariah KCP Stabat Sumira, Sumira; R, Kamaliah; Sinaga, Asmawarna
Journal of Management, Economic and Accounting (JMEA) Vol. 3 No. 2 (2024): Volume 3 Issue 2 May 2024
Publisher : CV. Pusdikra Mitra Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51178/(jmea).v3i2.1182

The research aims to determine the effect of compensation on the performance of employees of PT. Bank SUMUT Syariah KCP Stabat. The source of this research data was obtained from the answers to the questionnaire given by the research respondents, namely all employees at PT. Bank SUMUT Syariah KCP Stabat. Data analysis in this study used validity test, reliability test, normality test, hypothesis test, and simple linear regression analysis. Based on these tests it is explained that compensation has a significant effect on the performance of employees of PT. Bank SUMUT Syariah KCP Stabat. This was obtained through the results of hypothesis testing, namely the t test which showed a significant value less than 0.05 or (0,04 < 0,05) and tcount > ttable (3,521 > 2,16037) so that there was an effect of variable X on variable Y. The compensation given by PT. Bank SUMUT Syariah KCP Stabat affects employee performance by 44,9%, while the rest is influenced by other variables such as experience, work discipline, and others. There is a positive or parallel relationship between Compensation and Employee Performance, the better the compensation given by PT. Bank SUMUT Syariah KCP Stabat, employee performance will also increase, and vice versa if the compensation provided is not good, employee performance will also decrease.

Analisis Penyaluran Pembiayaan Umkm Pada PT. Bank Sumut Syariah KCP Stabat Syahputra, Firman; Fuadi, Ahmad Fuadi; Sinaga, Asmawarna
Journal of Management, Economic and Accounting (JMEA) Volume 2 Issue 4 November 2023
Publisher : CV. Pusdikra Mitra Jaya

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

Tujuan penelitian ini ialah mengetahui bagaimana prosedur pembiayaan UMKM di PT Bank Sumut Syariah Kec. Stabat, untuk mengetahui bagaimana efesiensi produk pembiayaan UMKM di PT. Bank Sumut Syariah Kec. Stabat dan untuk mengetahui apa saja hambatan bank dalam memberikan pembiayaan UMKM kepadapelakuusaha. Penedakatan penelitian ini men data melalui wawancara, observasi serta dokumentasi. Berdasarkan informasi yang didapatkan, prosedur pembiayaan UMKM dimulai dari pengajuan permohonan, pemberitahuan persayaratan, nasabah memenuhi kelengkapan administrative, analisis awal, proses wawancara, survey, analisis kelayakan pembiayaan, akad dan terakhir realisasi pembiayaan. Dan produk pembiayaan UMKM ini cukup efesien dalam pengembangan usaha mengalami kenaikan semenjak menerima pembiayaan dari PT Bank Sumut Syariah Kec,. Stabat.Sedangkan hambatan bank ketika memberikan pembiayaan kepada pelaku usaha yakni jumlah pinjaman tidak sesuai dengan agunan, penyerahan dokumen nasabah yang kurang lengkap dan terkendala masalah BI Cheking.

Pemberdayaan Masyarakat Melalui Budidaya Ternak Lele dalam Meningkatkan Perekonomian Keluarga Menurut Perspektif Islam di Desa Pantai Cermin Kabupaten Langkat Sinaga, Asmawarna; Alam, Anjur Perkasa
Center of Knowledge : Jurnal Pendidikan Dan Pengabdian Masyarakat Volume 4 Nomor 2 Agustus 2024
Publisher : Pusdikra Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51178/cok.v4i2.3328

Penelitian ini bertujuan untuk mengetahui bagaimana pemberdayaan masyarakat melalui budidaya ternak lele dapat meningkatkan perekonomian keluarga di Desa Pantai Cermin Kecamatan Tanjung Pura serta bagaimana pandangan Islam terhadap usaha tersebut. Metode penelitian yang digunakan adalah kualitatif dengan teknik wawancara kepada peternak lele dan tokoh masyarakat serta observasi langsung di lapangan untuk melihat proses budidaya mulai dari persiapan kolam, penebaran bibit, pemberian pakan, perawatan, panen hingga pemasaran. Hasil penelitian menunjukkan bahwa budidaya lele memberikan dampak positif terhadap peningkatan penghasilan keluarga, karena dapat menjadi sumber pendapatan tambahan yang stabil, bahkan membuka peluang usaha lain seperti kuliner berbahan dasar lele. Selain itu, usaha ini dilakukan dengan prinsip kerja keras, kejujuran, hemat, kesabaran, serta semangat gotong royong antarwarga yang sejalan dengan ajaran Islam tentang ikhtiar mencari rezeki halal. Budidaya lele juga mengajarkan nilai tanggung jawab dan kemandirian, serta memperkuat hubungan sosial masyarakat melalui tolong-menolong dalam mengatasi kendala. Dengan demikian, budidaya lele tidak hanya meningkatkan kesejahteraan ekonomi keluarga tetapi juga menumbuhkan nilai-nilai Islami dalam kehidupan sehari-hari.

Sosialisasi Pelatihan Pembuatan Dimsum Dalam Meningkatkan Perekonomian Bagi Masyarakat Desa Batu Melenggang Kecamatan Hinai Kabupaten Langkat Alam, Anjur Perkasa; Sinaga, Asmawarna
Center of Knowledge : Jurnal Pendidikan Dan Pengabdian Masyarakat Volume 5 Nomor 2 Agustus 2025
Publisher : Pusdikra Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51178/cok.v6i1.3330

The dim sum making training activity in Batu Melenggang Village, Hinai District, Langkat Regency aimed to provide new skills to the community, especially housewives, so that they could develop a home-based culinary business that could increase family income. The method used was socialization and hands-on practice, carried out by a community service team consisting of six students from the Jam'iyah Mahmudiyah Langkat Institute with 20 participants. The socialization focused on home-based food business opportunities, economic benefits, and marketing strategies, followed by practical training on dim sum making, from ingredient preparation and wrapping techniques to the steaming process. The results of the activity showed high enthusiasm among the participants, as evidenced by their active involvement in each stage and their ability to produce dim sum with good taste and appearance. The production trial resulted in 60 pieces of dim sum with a production cost of around IDR 70,000 and a potential profit of IDR 50,000–IDR 80,000 per recipe, depending on the selling price. Participants also gained an understanding of the importance of taste standards, hygiene, packaging, and simple record-keeping in running a business. The initial impact of this activity can be seen from the formation of three small business groups that immediately produce and market dim sum in the surrounding area, with average sales of 80–120 pieces per week. Thus, this training not only provides technical cooking skills but also fosters an entrepreneurial spirit and opens up opportunities for improving the family economy in the village.

Pemberdayaan Usaha Keripik Singkong Sebagai Keterampilan Ekonomi Kreatif pada Usaha Keripik Cinta Mas Hendro di Desa Air Hitam Tanjungpura Langkat Sinaga, Asmawarna; Alam, Anjur Perkara
Center of Knowledge : Jurnal Pendidikan Dan Pengabdian Masyarakat Volume 5 Nomor 2 Agustus 2025
Publisher : Pusdikra Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51178/cok.v5i2.3331

Penelitian ini bertujuan untuk mengetahui bagaimana pemberdayaan usaha keripik singkong “Keripik Cinta Mas Hendro” mampu menjadi keterampilan ekonomi kreatif yang meningkatkan pendapatan dan kesejahteraan masyarakat Desa Air Hitam, Kecamatan Tanjungpura, Kabupaten Langkat. Metode penelitian yang digunakan adalah kualitatif dengan teknik pengumpulan data melalui wawancara, observasi, dan dokumentasi. Data primer diperoleh dari pelaku usaha dan pekerja yang terlibat langsung, sedangkan data sekunder berasal dari lembaga terkait. Hasil penelitian menunjukkan bahwa usaha keripik singkong memberikan kontribusi nyata terhadap peningkatan ekonomi keluarga, dengan pendapatan bersih mencapai sekitar Rp 9.405.000 per bulan. Proses produksi dilakukan secara sederhana namun terstandar, mulai dari pemilihan singkong, pengolahan, pengemasan, hingga pemasaran, baik secara langsung maupun melalui media sosial. Selain memberi keuntungan finansial, usaha ini juga melatih keterampilan masyarakat dalam hal produksi, manajemen, promosi, dan kerja sama. Keberadaan usaha turut membuka lapangan kerja baru, memberdayakan ibu rumah tangga, melibatkan pemuda desa, serta memberi kepastian pasar bagi petani singkong. Dampak positif lain yang dirasakan adalah tumbuhnya budaya menabung, meningkatnya rasa percaya diri, serta berkembangnya jaringan ekonomi desa. Penelitian ini menegaskan bahwa usaha kecil berbasis potensi lokal dapat menjadi jalan kemandirian ekonomi dan layak dikembangkan sebagai ikon oleh-oleh khas daerah.

Sense-Making Of Shariah Digital Economy Among Muslim Micro-Entrepreneurs: A Qualitative Case Study Of Mandailing Natal Jureid; Alam, Anjur Perkasa; Sinaga, Asmawarna; Harahap, Mufti Fahrizal; Hamdanil
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 7 No. 2 (2026): (March)
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v7i2.164

Introduction: The development of the Shariah digital economy presents both opportunities and challenges for Muslim micro and small enterprises (MSMEs), particularly in interpreting Shariah principles in the digital era. This study aims to explore the sense-making process of Muslim MSME actors in Mandailing Natal in understanding and implementing Shariah-compliant digital economic practices. Methods: A qualitative interpretive case study approach was employed, involving some of active MSME informants through in-depth interviews, participatory observation, and documentation of digital Shariah practices. Findings indicate that Shariah compliance in digital practices is pragmatic, adaptive, and contextual, involving negotiation between technological efficiency and religious values, as well as dual legitimacy from formal authorities and personal experience. Results: The Results highlight the critical role of actor sense-making in constructing subjective understanding of complex and often ambiguous Shariah principles. Conclusion and suggestion: Theoretically, this research extends the literature on Islamic digital economy and Shariah fintech by emphasizing the interpretive social construction of Shariah compliance. Practically, the findings provide guidance for developing digital platforms, Shariah digital literacy programs, and collaborations between regulators and religious authorities to enhance inclusion and sustainability of Muslim MSMEs

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