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All Journal Jurnal Ekonomi Laa Maisyir Jurnal Ekonomi Islam Jurnal EMT KITA Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan JURNAL MANAJEMEN BISNIS Jurnal Tabarru': Islamic Banking and Finance EKUITAS (Jurnal Ekonomi dan Keuangan) Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Equity: Jurnal Ekonomi Jurnal Ilmiah Publika Journal of Islamic Economics and Finance Studies Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Jurnal Ekonomi Syariah Pelita Bangsa International Journal of Educational Review, Law And Social Sciences (IJERLAS) Indonesian Journal of Innovation Studies ProBisnis : Jurnal Manajemen Jurnal Ilmiah Mahasiswa Raushan Fikr Balance : Jurnal Akuntansi dan Manajemen International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Moneter : Jurnal Keuangan dan Perbankan Regress: Journal of Economics & Management Jurnal Informatika Ekonomi Bisnis Jurnal Nirta: Studi Inovasi Journal of Finance and Islamic Banking JIEP: Jurnal Ilmu Ekonomi dan Pembangunan As-Syirkah: Islamic Economic & Financial Journal
Imsar
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Ekonomi Politik Media dalam Perspektif Komunikasi dan Sosial-Budaya Imsar; Husaini, Ahmad
As-Syirkah: Islamic Economic & Financial Journal Vol. 2 No. 2 (2023): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/ybfmrr27

Abstract

Harold Innis and Marshall McLuhan recognized the fact that technologies have a communicative dimension in and of themselves and play an important role in the formation of political economy. The economic field clearly cannot be separated from capitalism; and capitalism and industry are two things that cannot be tolerated. Furthermore, culture is one of the most interesting contents to be "sold" and is often massified by the media to generate huge profits by media capitalists. This study aims to discuss how the political economy of media is viewed from a communication and socio-cultural perspective. The study in this article uses a descriptive-qualitative method, using literature review as a data collection technique. The results show that the political economy of (mass) media is closely related to power and control over mass media content. This control is carried out through a communication process, where the messages conveyed by the mass media aim to influence the audience's perception, sometimes also to guide the audience's attitude towards an issue, especially social and political issues. One content medium that is considered effective for gaining financial resources is culture. Massified culture becomes a powerful weapon for media owners to gain profits and wealth; where culture is no longer viewed from an aesthetic perspective alone, or how culture conveys truth, but is seen as a "tool" to gain profit alone.  
Pengaruh Capital Adequacy Ratio, Profit Sharing Ratio terhadap Return On Asset dengan Non Perfoming Financing sebagai Variabel Moderating pada Bank Umum Syariah di Indonesia Imsar; Harahap, Rahmat Daim; Purba, Ice Rahwani
As-Syirkah: Islamic Economic & Financial Journal Vol. 2 No. 2 (2023): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/87nc9383

Abstract

This research aims to determine the effect of Capital Adequacy Ratio (CAR), Profit Sharing Ratio (PSR), on Return on Assets (ROA) with Non-Performing Financing (NPF) as a moderating variable in Islamic Commercial Banks in Indonesia. This type of research is quantitative research with the data source used is secondary data. This research uses annual financial report data from Sharia Commercial Banks in Indonesia for 2017-2021. The research sample is Sharia Commercial Banks in Indonesia in 2017-2022. The sample was selected using a purposive sampling technique to obtain seven Sharia Commercial Banks. Data processing and analysis techniques using Descriptive Statistical Analysis, Classic Assumption Test, Multiple Linear Test, Hypothesis Test and MRA Test. The program used for calculations uses SPSS version 25 and then the results from SPSS are interpreted. Capital Adequacy Ratio (CAR) has a significant influence on Return On Assets (ROA). The results of this research show that the Profit Sharing Ratio (PSR) has a significant effect on Return On Assets (ROA). Capital Adequacy Ratio (CAR) and Profit Sharing Ratio (PSR) simultaneously influence Return On Assets (ROA). The R Square (R2) value obtained was 0.441 or 44.1%, indicating that CAR(X1) and PSR (X2) only had an effect of 44.1%. Meanwhile, 55.9% was influenced by other factors outside the research. Non-Performing Financing (NPF) cannot moderate the influence of Capital Adequacy Ratio (CAR) on Return On Assets (ROA). Non-Performing Financing (NPF) cannot moderate the influence of Profit Sharing Ratio (PSR) on Return On Assets (ROA). Non-Performing Financing (NPF) cannot moderate the influence of Capital Adequacy Ratio (CAR) and Profit Sharing Ratio (PSR) on Return On Assets (ROA).
Analisis Perilaku Moral Hazard dan Adverse Selection pada Agency Problem di Pembiayaan Musyarakah PT. Bank Sumut KCPSY Binjai Abdillah, Prayugo Ali; Imsar; Jannah, Nurul
As-Syirkah: Islamic Economic & Financial Journal Vol. 3 No. 1 (2024): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/6wxcr537

Abstract

This study aims to determine the form of behavior and how to handle agency problems caused by moral hazard behavior and adverse selection in musyarakah financing at PT. Bank Sumut KCPSY Binjai. The agency problem is the agency problem in the musyarakah product scheme. This type of research is field research with qualitative methods. Sources of data in this study include two categories, namely primary data and secondary data. The subjects in this study were employees of PT. Bank Sumut KCPSY Binjai in the management section that is competent in the field of musyarakah financing. The research results show that the form of moral hazard and adverse selection behavior at PT. Bank Sumut KCPSY Binjai namely the difficulty of banks assessing the true character of customers, errors in analysis, ethical deviations and lack of supervision (monitoring) carried out by banks. PT. Bank Sumut KCPSY Binjai Office made various efforts from screening, verification to monitoring. Furthermore, if the problem of moral hazard and adverse selection has occurred, the bank will handle it in two ways, namely saving financing in the form of first rescheduling, reconditioning, restructuring and solving problem financing by means of billing. lawsuits, execution of mortgage auctions, and WO
Efektivitas Pelaksanaan Pemungutan Pajak Kendaraan Bermotor di Kantor Bersama SAMSAT Sibolga Arifianti, Sari Maharani; Imsar
As-Syirkah: Islamic Economic & Financial Journal Vol. 3 No. 1 (2024): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/22hgyt98

Abstract

In general, this study aims to find out the effectiveness of motor vehicle tax collection in offices with Sibolga samsat. This study uses qualitatif descriptive research, which is to find out the value of independent variables, either one or more variables (independent) without making comparisons, or connecting with other variables. As far as data collection techniques are concerned are documentation, interviews and observations. The results of the research showed the effectiveness of motor vehicle tax collection in the Joint Office of Samsat Sibolga has been effective in the collection of motor vehicles tax. Although, there are still many obstacles facing the lack of public awareness to pay taxes on time, which leads to a lot of taxpayers waiting. However, in the process of tax payment procedures is good because it does not take a long time in the management of motor vehicle tax payment.
The Influence of Macroeconomic Factors on Murabahah Financing Performance at Bank Syariah Indonesia Ritonga, Khoirunnida; Imsar; Bi Rahmani, Nur Ahmadi
Journal of Finance and Islamic Banking Vol. 8 No. 1 (2025)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v8i1.12154

Abstract

Purpose: This study aims to examine the impact of macroeconomic variables—namely inflation, the BI rate, and the exchange rate—on murabahah financing at Bank Syariah Indonesia (BSI), both in the short and long term. Method: Employing the Vector Error Correction Model (VECM), the study analyzes time-series data to assess long-run equilibrium and short-term dynamics. Results: The findings reveal that in the long term, inflation and the BI rate negatively affect murabahah financing, while the exchange rate exerts a positive influence. In contrast, none of the variables show significant short-term effects. The Granger causality test identifies bidirectional relationships between the BI rate and both financing and inflation. Variance Decomposition shows that while financing is initially self-driven, over time inflation emerges as the most influential factor, accounting for 16.74% of variation in murabahah financing. Implication: These results suggest that Bank Syariah Indonesia should develop adaptive financing strategies in response to macroeconomic fluctuations, particularly inflation. Originality: This study contributes to Islamic finance literature by applying a dynamic econometric framework (VECM) to murabahah financing, and by offering empirical evidence from the post-merger period of Indonesia's largest Islamic bank.
Analisis Persepsi Wakif Terhadap Wakaf Tunai di BWI Sumatera Utara Franaya Al Arfa; Imsar; Tambunan, Khairina
Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Vol. 14 No. 2 (2021): Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam
Publisher : Badan Wakaf Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47411/al-awqaf.v14i2.147

Abstract

The purpose of this study was to determine the perception of wakif on cash waqf at BWI North Sumatra. This study uses a descriptive qualitative method, by taking the object of research at BWI North Sumatra. As the research informant, Nazhir from BWI North Sumatra, the wakif. This study explains that there are 5 indicators used to measure the perception of wakif, namely internal indicators consisting of income and understanding, and external indicators, namely information media, convenience and benefits of cash waqf at BWI North Sumatra. Based on the results of the data questionnaire assessment, that 73.3% of wakif stated that it was good from the income indicator. This means that wakifs have a good perception of cash waqf that the more prosperous the community, the greater the potential for cash waqf. From the indicators of understanding, 46.7% of wakifs said they were good with cash waqf. That is, wakif has a good perception of cash waqf in terms of understanding so that awareness arises in advancing the Islamic economy through cash waqf. From the information media indicators, 43.3% of wakif stated that they were neutral towards the perception of wakif in terms of access to information media. This means that BWI SU should further promote information media through online media in the digital era. From the convenience indicator 46.7% wakif answered well. This means that wakifs have a good perception of the convenience provided in accessing BWI SU for cash waqf collection transactions for wakifs. From the benefits indicator 56.7% wakif answered well. This means that wakifs have a good perception of the benefits of cash waqf, which can train the social spirit and help people in need. Keywords: Perception, Cash Waqh, BWI Sumatera Utara
Analisis Manajemen Konflik dalam Penyelesaian Masalah Organisasi di PTPN IV Regional III Palmco Kebun Terantam (Studi Kasus: Pekerja Pemanen Sawit) Riska Febrianti Aulia; Muhammad Syukri Albani Nasution; Imsar
Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Vol. 11 No. 2 (2025): Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and
Publisher : STIE Indonesia Banking School

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

Abstract

This research aims to analyze conflict management strategies implemented at PTPN IV Terantam Plantation in handling organizational conflicts, specifically those involving oil palm harvesters. Using a qualitative approach with a case study design, this research identifies types of conflicts, their causes, and their impact on productivity and working relationships.  The subjects of this research consist of three main groups: management, supervisors, and harvesters. Data collection methods include direct observation, in-depth interviews, and documentation. Data analysis in this research is conducted through three main stages: data reduction, data presentation, and verification or conclusion drawing. The research results show that conflicts most often occur due to miscommunication between management and workers, workers' unawareness of their rights, and interpersonal tension among workers. The conflict management strategies used include an integrative conflict management approach through improved two-way communication, ongoing education, and a participatory clarification forum. This strategy has proven effective in building trust, increasing work motivation, and creating a conducive work environment.
PUBLIC PERCEPTION IN CHOOSING SHARIA INSURANCE Haris Al Amin; Muhammad Suip; Imsar; Nursyidah
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 2 No. 6 (2022): November
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v2i6.792

Abstract

This research aims to determine the influence of public perception in choosing Islamic Insurance at Kecamatan Silih Nara, Kabupaten Aceh Tengah. this research using quantitative analysis methods, the variables are public perception (x) and decision making (y), the model used in this study is a simple linear regression model that will be done after the classic assumption test which consist of a normality test and a heteroscedasticity test, using the SPSS Version 18. The data used is primary data.collected using a questionnaire who given to 100 respondents. The results of this research showed partially that public perception had a positive and significant influence in decision making to choosing Islamic Insurance at Kecamatan Silih Nara, Kabupaten Aceh Tengah. Based on the results of the t test, it was found that public perception variable obtained t – value > t – table (9,580 > 1,984), and sig. value 0,000 < 0,05. The results of the coefficient of determination test (R2) in this research are 0,484 (48,4%), which means that public perception has a 48% influence for the decision making process in choosing Islamic insurance. The results of Simple linear regression in this test is 0,695 (Positive value) which means there is a significant influence between public perception and decision making in choosing Islamic Insurane at Kecamatan Silih Nara, Kabupaten Aceh Tengah.
BEHAVIOR ANALYSIS OF UMKM IN INDONESIA IN USING FINTECH LENDING (COMPARATIVE STUDY BETWEEN SHARIA FINTECH LENDING AND CONVENTIONAL FINTECH LENDING Imsar; Nurbaiti; Siti Aisyah
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 3 No. 3 (2023): May
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v3i3.823

Abstract

This study aims to examine how the behavior of Muslim SMEs in Indonesia towards the use of fintech lending. This study compares the acceptance of Muslim MSMEs towards fintech lending with sharia principles and conventional fintech lending. Researchers use the UTAUT 2 (Unified Theory of Acceptance and Use of Technology) approach, to find out the factors / determinations of fintech, especially peer to lending. The analytical method of the UTAUT 2 research model used by the authors in this study uses quantitative methods to measure user acceptance of peer to peer fintech and test hypotheses about the factors that influence user acceptance of peer to peer fintech codes. By using a quantitative approach, methods of collecting and analyzing data are needed to complete this research. Data collection was carried out by conducting a questionnaire survey and data analysis using path analysis for statistical analysis with PLS-SEM. The results of this study state that of the 12 variables, some have a positive and significant effect and some have no effect on the use of fintech lending application services for Muslim MSMEs in Indonesia. Then Fintech Lending Syariah has been used by MSMEs in Indonesia, but has not been able to dominate because there are still many Muslim MSMEs in Indonesia who are not aware of the existence of sharia services in fintech lending applications. Sharia Fintech Lending in Indonesia must increase the frequency,
Analisis Pengaruh Kinerja Bank Umum Syariah Dengan Pendekatan Sharia Conformity And Profitability (SCnP) Terhadap Pertumbuhan Dana Pihak Ketiga Harahap, Rahmat Daim; Imsar; Ramadhani, Hafiz Aryo
Balance : Jurnal Akuntansi dan Manajemen Vol. 1 No. 1 (2022): April 2022
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1228.109 KB) | DOI: 10.59086/jam.v1i1.10

Abstract

This research is motivated by the movement of Third Party Fund growth which fluctuates from year to year both in terms of nominal and amount in Islamic commercial banks. Therefore, it is necessary to measure the performance of Islamic banks using the concept of a combination of the sharia side and the conventional side. This study aims to determine the effect of Islamic income, profit sharing, return on assets, and net profit margin on the growth of third-party funds for Islamic commercial banks from 2016-to 2020. The research method uses a quantitative approach with data sources obtained from the official website of the Financial Services Authority, Islamic Banking Statistics, and the official website of each Islamic commercial bank. The analysis technique used is the multiple linear regression test. The results of this study indicate that the variables of Sharia Income, Profit Sharing, ROA, and NPM simultaneously have a positive and significant influence on the growth of BUS Third Party Funds. then partially this also applies. it can be stated that the measurement of the performance of Islamic commercial banks using the principles of sharia conformity and profitability can be used as a basis for sharia bank stakeholders to take future steps.
Co-Authors Abdillah, Prayugo Ali Adinda Agung Ramadhan Trapoltanta Pratama Ahmadi Bi Rahmani Andri Soemitra Andri Soemitra Arifianti, Sari Maharani Arifin Fauzi Lubis atika AYU LESTARI Bi Rahmani, Nur Ahmadi Dahlianti, Hervina Dewi, Risna Endang Kurniawati, Endang Franaya Al Arfa Franaya Al Arfa Harahap , Muhammad Ikhsan Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Haris Al Amin Hasibuan, Indah Triana Ibnu Habib Wahyudi Iffat, Muhammad Aidil Isna Khairani Isnaini Harahap Juliana Nasution Khairiah, Dian Laksamana Aru Sulaiman Marpaung, Taufik Arnanda Meha, Nurmala Lutfi Muhammad Lathief Ilhamy Nasution Muhammad Luis Muhammad Suip Muhammad Syukri Albani Nasution Nita, Nita Erdina Novan Wicaksana Nst, Mikayani Nurbaiti Nurlaila Nursyidah Nurul Jannah Purba, Ice Rahwani Putri, Helva Diansyah Rahmat Daim Harahap Rahmi Syahriza Rahmi Syahriza, Rahmi Ramadhani, Devi Ramadhani, Hafiz Aryo Ramadhani, Sri Riska Febrianti Aulia Ritonga, Khoirunnida Rizkie Ragilita Sahdila, Rizki Silaen, Lena Mardiana Silalahi, Purnama Ramadani Siregar, Khidir Sitakar, Enia Fadila Siti Aisyah Syahriza , Rahmi Syarbaini, Ahmad Muhaisin B Tambunan, Khairina Veri Ferdiansyah Wildan Izzaty Yasirwan