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All Journal Jurnal Paradigma Ekonomika Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo I-ECONOMICS: A Research Journal on Islamic Economics Journal of Business Management Education (JBME) Jurnal Ilmiah Ekonomi Islam Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Tadbir : Jurnal Studi Manajemen Pendidikan JURNAL MANAJEMEN MOTIVASI Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam SEIKO : Journal of Management & Business Al-Muaddib : Jurnal Ilmu-Ilmu Sosial & Keislaman Jurnal Hukum Ekonomi Syariah NISBAH: JURNAL PERBANKAN SYARIAH Eksis: Jurnal Ilmiah Ekonomi dan Bisnis Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JOURNAL OF APPLIED BUSINESS ADMINISTRATION Istinbath: Jurnal Hukum dan Ekonomi Islam Journal of Humanities and Social Studies GEMA EKONOMI JEMPER (Jurnal Ekonomi Manajemen Perbankan) Jurnal Tabarru': Islamic Banking and Finance JESI (Jurnal Ekonomi Syariah Indonesia) JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan, Ekonomi Islam FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Jurnal Review Pendidikan dan Pengajaran (JRPP) SULTANIST: Jurnal Manajemen dan Keuangan JURNAL EKSBIS International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Socius: Journal of Sociology Research and Education Jurnal Ilmiah Edunomika (JIE) RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) LEGAL BRIEF Accounting and Business Journal Quantitative Economics and Management Studies Journal La Sociale JURNAL MANAJEMEN AKUNTANSI (JUMSI) Economics, Business and Management Science Journal Golden Ratio of Marketing and Applied Psychology of Business Jurnal Iqtisaduna Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Journal of Student Development Informatics Management (JoSDIM) Studi Akuntansi, Keuangan, dan Manajemen Media Ekonomi JRAP (Jurnal Riset Akuntansi dan Perpajakan) Journal of Artificial Intelligence and Digital Business IDARAH : Jurnal Pendidikan dan Kependidikan Journal of Social Commerce Moneter : Jurnal Keuangan dan Perbankan Innovative: Journal Of Social Science Research J-ISACC : Journal of Islamic Accounting Competency Jurnal Akuntansi Manado (JAIM) Jurnal Informatika Ekonomi Bisnis Journal of Economics and Management Scienties International Journal of Multidisciplinary Research of Higher Education (IJMURHICA) Jurnal REP (Riset Ekonomi Pembangunan) IIJSE Indonesian Journal of Humanities and Social Sciences Landraad Jurnal Ad'ministrare: Jurnal Pemikirian Ilmiah dan Pendidikan Administrasi Perkantoran As-Syirkah: Islamic Economic & Financial Journal
Tuti Anggraini
Technology of Agricultural Product Faculty Agriculture Technology Kampus Limau Manis Andalas University, 25163 Padang West Sumatra Indonesia
Religion Arts Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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Penerapan Prinsip Syar'u Man Qablana dan Bara'ah al-Ashliyah Dalam Perbankan Syariah Lubis, Ismul Fakhri; Asmuni, Asmuni; Anggraini, Tuti
Jurnal Iqtisaduna Vol 9 No 2 (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v9i2.42325

Abstract

This research reviews the key principles of Islamic banking, namely shari'u man qablana and bara'ah al-ashliyah. The concept of shar'u man qablana emphasizes adherence to Islamic law that dates back to the time of the Prophet Muhammad, ensuring that every banking transaction and product follows religious principles. In contrast, bara'ah al-ashliyah gives freedom to financial transactions, protecting individuals and businesses from unauthorized liability, unless there is evidence to support the claim. To review this study, researchers used qualitative research methods with secondary data sources. In the context of Islamic banking, shar'u man qablana leads to the prohibition of usury and the principle of justice, creating products and services that are ethical and in accordance with Islamic law. Bara'ah al-ashliyah provides financial security, ensuring that customers are only liable for legitimate and agreed transactions. This research highlights the positive impact of implementing these two principles. In addition, these principles create a fair and ethical business environment, build customer trust, and strengthen Islamic banking's contribution to the development of an equitable society. These principles pave the way for ethical and transparent product innovation, ensuring that Islamic banking remains relevant and trusted in an ethical global economy.
THE EFFECT OF THIRD PARTY FUNDS, INFLATION AND MARGIN RATE ON MURABAHAH FINANCING AT ISLAMIC BANK Hayady, Roza; Anggraini, Tuti; Daulay, Aqwa Naser
Jurnal Tabarru': Islamic Banking and Finance Vol. 6 No. 2 (2023): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2023.vol6(2).14396

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh Dana Pihak Ketiga, Inflasi dan Margin Rate terhadap Pembiayaan Murabahah pada Bank Umum Syariah baik secara parsial maupun simultan. Penelitian ini menggunakan metode kuantitatif dengan pengumpulan data menggunakan metode skala likert. Dalam penelitian ini yang menjadi variabel independen adalah Dana Pihak Ketiga (X1), Inflasi (X2) dan Margin (X3) dan variabel dependennya adalah Pembiayaan Murabahah (Pembiayaan Koperasi kepada Anggota) (Y). Teknik analisis data melalui program IBM SPSS statistik 26, uji asumsi klasik. Hasil penelitian ini menunjukkan bahwa terdapat pengaruh positif signifikan Dana Pihak Ketiga, Inflasi, Margin Rate terhadap Pembiayaan Murabahah pada akad murabahah di Bank Umum Syariah.
THE INFLUENCE OF INTELLECTUAL CAPITAL AND ISLAMIC SOCIAL REPORTING ON THE FINANCIAL PERFORMANCE OF ISLAMIC COMMERCIAL BANKS IN INDONESIA Atika, Febri; Syahriza, Rahmi; Anggraini, Tuti
Jurnal Tabarru': Islamic Banking and Finance Vol. 6 No. 2 (2023): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2023.vol6(2).14422

Abstract

Penelitian ini bertujuan untuk menguji secara empiris pengaruh variabel Intellectual Capital dan Islamic Social Reporting (ISR) terhadap Kinerja Keuangan Bank Umum Syariah di Indonesia. Dalam penelitian ini, penulis menggunakan jenis penelitian yang bersifat kuantitatif. Data yang digunakan berupa laporan tahunan (annual report) 2018-2021 yang juga memuat pengungkapan pertanggung jawaban sosialnya. Populasi dalam penelitian ini adalah perusahaan perbankan syariah Bank Umum Syariah yang terdaftar di Otoritas Jasa Keuangan (OJK) pada tahun 2018-2021. Pemilihan sampel dari penelitian ini dilakukan dengan menggunakan teknik purposive sampling, maka sampel dalam penelitian ini 9 Bank Umum Syariah dengan periode 4 tahun dengan total sampel sebesar 36. Adapun bank yang menjadi objek penelitian ini adalah bank BCA Syariah, bank BJB Syariah, bank BSI Syariah, bank BTPN Syariah, bank BUKOPIN Syariah, bank MAYBANK Syariah, bank MEGA Syariah, bank MUAMALAT Indonesia dan bank PANIN Syariah. Intellectual Capital dan Ukuran Perusahaan berpengaruh terhadap Kinerja Keuangan (Return on Assets) Perbankan Syariah di Indonesia 2018-2021. Dan Islamic Social Reporting (ISR) tidak berpengaruh terhadap Kinerja Keuangan (Return on Assets) Perbankan Syariah.
PENGARUH TINGKAT BAGI HASIL, FINANCING TO DEPOSIT RATIO (FDR) DAN INFLASI TERHADAP DEPOSITO MUDHARABAH PERBANKAN SYARIAH Amanda, Feby Aulia; Yafiz, Muhammad; Anggraini, Tuti
Jurnal Tabarru': Islamic Banking and Finance Vol. 7 No. 1 (2024): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2024.vol7(1).16318

Abstract

Tujuan penelitian ini untuk mengetahui pengaruh Tingkat Bagi Hasil, Inflasi dan Financing to Deposit Ratio (FDR) terhadap Deposito Mudharabah Perbankan Syariah. Ketertarikan masyarakat untuk menginvestasikan dananya sebagai pihak ketiga merupakan faktor yang berperan penting dalam perkembangan bank syariah, salah satunya deposito. Penelitian ini menggunakan data sekunder berupa laporan keuangan BUS yang dipublikasi pada website Bank Indonesia (BI). Sampel pada penelitian ini sebanyak 14 Bank Umum Syariah (BUS) yang mempublikasi laporan keuangannya pada Bank Indonesia pada periode 2020-2021. Analisis dalam penelitian ini menggunakan analisis regresi linier berganda. Hasil penelitian ini menunjukkan bahwa variabel jumlah bagi hasil bank syariah berpengaruh signifikan terhadap deposito mudharabah. Variabel FDR berpengaruh tidak signifikan terhadap deposito perbankan. Sedangkan variabel inflasi berpengaruh tidak signifikan terhadap deposito perbankan.
Mutanaqishah Musyarakah Contract: A Solution To Infrastructure Investment Syndication Financing zulfikar, Zulfikar; Asmuni, Asmuni; Anggraini, Tuti
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 13, No 2 (2023)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21927/jesi.2023.13(2).325-341

Abstract

This study aims to find an alternative in business activities in Islamic financial institutions, especially in Islamic banking, where when the use of a single contract in a business contract occurs, it still creates weaknesses in the process of cooperation between the customer and the bank. So that it needs to be analyzed further the use of a single contract in a business contract for long-term financing is still relevant for business purposes. This single contract in financing is in great demand by Islamic financial institutions because it is simple and simple in business activities, and of course, it can provide certainty of future income, what we often know is natural certainty contracts. However, along the way, cooperation in natural certainty contracts is not always suitable for long-term financing and the needs of large projects. This research also looks at the phenomenon of problems that occur in the cooperation of a single contract, one of which is the Murabaha contract. Due to this problem, Islamic banks have started to implement the use of multiple contracts or hybrid contracts in long-term investment financing cooperation, especially in the infrastructure sector, because the nature of business contracts is more flexible, can be reviewed, and provides the principle of fairness
Pengaruh Persepsi Nasabah Dan Keunggulan Produk Terhadap Kepuasan Nasabah Pada Produk Cicil Emas BSI Kc Kuta Cane Ritonga, Vera Ayu Ningsih; Marliyah, Marliyah; Anggraini, Tuti
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 14, No 1 (2024)
Publisher : Universitas Alma Ata

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

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh persepsi nasabah dan keunggulan produk terhadap kepuasan nasabah produk cicil emas pada BSI KC Kuta Cane. Penelitian ini adalah penelitian kuantitatif dengan metode survey dengan penyebaran kuesioner sebagai instrumen. Responden dalam penelitian ini adalah masyarakat Kuta Cane. Proses pengambilan sampel menggunakan probability sampling. Teknik analisis data yang digunakan menggunakan SPSS. Hasil penelitian ini menunjukkan bahwa persepsi nasabah dan keunggulan produk secara parsial berpengaruh positif dan signifikan terhadap kepuasan nasabah produk cicil emas pada BSI KC Kuta Cane.
Analisis Strategi Pemasaran Pembiayaan Murabahah Pada Produk KPR Hijrah Dalam Meningkatkan Jumlah Nasabah Sari, Reni Ilma; Anggraini, Tuti; Irham, Mawaddah
Jurnal Paradigma Ekonomika Vol. 19 No. 2 (2024): Jurnal Paradigma Ekonomika
Publisher : Program Studi Ekonomi Pembangunan Fakultas Ekonomi dan Bisnis Universitas Jambi

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

Abstract

Hijrah products in increasing the number of customers. The method used in this study is a descriptive qualitative method. Data collection techniques used by observation, interviews and documents related to the study, then the data is classified according to the topic of the problem discussed. This study reveals events or phenomena that occurred when the research took place at Bank Muamalat KCP Stabat. The results of this study indicate that the marketing strategy for KPR Hijrah products at Bank Muamalat KCP Stabat is in accordance with the aspects that have been determined by Bank Muamalat KCP Stabat such as segmentation, targeting and positioning. Where in this marketing strategy,the KPR product, price, promotion, place, person, physical evidence to influence consumer decisions to buy and use the products and services offered. As for the murabahah financing agreement for KPR Hijrah home ownership at Bank Muamalat KCP Stabat, it really helps the community in choosing KPR Hijrah products at Bank Muamalat KCP Stabat.
SETTLEMENT OF PROBLEM FINANCING THROUGH THE EXECUTION OF MORTGAGE AUCTIONS AT THE STATE WEALTH AND AUCTION SERVICE OFFICE AT BANK ACEH SYARIAH SISINGAMANGARAJA BRANCH OFFICE Aulia, Nafra; Anggraini, Tuti; Syakir, Ahmad
I-Economics Vol 10 No 2 (2024): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v10i2.23634

Abstract

The decline in the customer's business triggers non-performing financing where the customer is not good at managing his business so that he cannot fulfill his obligations to pay existing financing, and the lack of prudence in analyzing customer data is also a negligence for the bank so that it increases the amount of non-performing financing every year. This research was conducted in order to find out what factors cause non-performing financing, and how the settlement strategy is in bank aceh syariah. This research uses a descriptive qualitative research method with a case study approach to gain an in-depth understanding of the case under study, namely the settlement of problematic financing in a mortgage auction through KPKNL. While the data source of this research uses primary data, namely those obtained during interviews and observation activities to related informants, while secondary data is in the form of documents and previous literature. The results of the study found that the factors causing problematic financing are internal factors, namely the bank itself, and external factors that exist in the customer service. And the settlement carried out by Bank Aceh Syariah is by deliberation, billing, rescheduling, re-requirement, rearrangement, and execution of collateral.
Pengaruh Kepercayaan, Pengetahuan, Dan Aksesibilitas Terhadap Keputusan Muzakki Dalam Menggunakan Digital Payment (Studi Kasus Muzakki Kota Medan) Ritonga, Lilis Suryani; Anggraini, Tuti; Yanti, Nursantri
Jurnal Manajemen Akuntansi (JUMSI) Vol 4, No 2: 2024
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v4i2.4306

Abstract

The purpose of this study is to determine the effect of trust, knowledge, and accessibility to the decision muzakki in using digital payment for zakat payments. This study uses a quantitative approach. Data collection using a questionnaire with a purposive sampling of 80 respondents. The test results simultaneously showed that trust, knowledge, and accessibility influenced muzakki's decision to use digital payment with a sign value of 0.000 < 0.05. The test results through multiple linear regression analysis test showed that confidence significantly affect the decision muzakki using digital payment with a value of 0.18 < 0.05.  The test results through multiple linear regression analysis test found that knowledge significantly affect the decision muzakki using digital payment with a value of 0.005 < 0.05.   The test results through multiple linear regression analysis test found that accessibility significantly affect the decision muzakki using digital payment with a value of 0.000 < 0.05.  
IMPLEMENTASI AL RAHN DAN WADIH DI LEMBAGA KEUANGAN SYARIAH Azahar Siregar, Rahmat; Marliyah, Marliyah; Anggraini, Tuti
Al-Muaddib : Jurnal Ilmu-Ilmu Sosial & Keislaman Vol 7, No 1 (2022): Al-Muaddib : Jurnal Ilmu-Ilmu Sosial dan Keislaman
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/muaddib.v7i1.64-68

Abstract

Penelitian ini bertujuan untuk melihat penerapan akad Al Rahn dan Wadiah di Lembaga Keuangan Syariah. Perkembangan Lembaga keuangan syariah saat ini mengalami peningkatan, dimana banyak dilihat atau bermunculan Lembaga keuangan syariah seperti Bank Umum Syariah, Bank Perkreditan Rakyat Syariah dan Unit Usaha Syariah. Perkembangan ini tidak diiringi dengan pemahaman masyarakat tentang akad-akad yang ada di Lembaga keuangan syariah, untuk itu peneliti melakukan penelitian tentag akad Al rahn dan wadiah yang ada di Lembaga keuangan syariah. Jenis penelitian ini adalah penelitian deskrisptif kualitatif dengan menggunakan data skunder, yang diambil dari buku-buku dan jurnal yang berkaitan dengan Al rahn dan wadiah. Hasil penelitian menunjukan, bahwa alrahn yang ada di Lembaga keuangan syariah atau bank umum syariah digunakan pada produk gadai emas. Sedangkan, wadiah digunakan pada produk tabungan, deposito, dan save deposit box.
Co-Authors Adrian, Muhammad Fikri Ahmad Riyansyah, Ahmad Alfarezzi, Ahmad Alfian, Ian ian Amalia Nasution, Nabilla Amanda, Feby Aulia Amelia, Anika Andri Soemitra Anfa, Sugianto Anggaraini, Tuti Annisari, Annisari Aqwa Naser Daulay Ariesta, Syahna Arifin Fauzi Lubis Ariski, Martogi Asmuni Asmuni , Asmuni Asmuni Asmuni Asriadi, Ari Asy’ary, Muhammad Hasan Atika, Febri Aulia, Nafra Ayuni, Ifti Azahar Siregar, Rahmat Azhari, Alwan Bayani, Luthfiah Nur Bayu Prabowo, Bayu Bi Rahmani, Nur Ahmadi Budi Harianto Dalimunthe, Maya Oktavia Dhian Rosalina, Dhian Djunaidi, Zikri Habibi Effendi, Lutfiah Eka Putri Simanjuntak, Febrina Emizal Amri, Emizal Erda Fitriani Fadhilah, Gina Fadillah, Muhammad Aris Fauzan, M. Fili, Nada Sausan Adha Filka, Nadhri Fitri Fransiska, Silvia Hafizah, Raisya Hanafi, Burhan Harahap, Aswan Nawawi Harahap, Faiza Shakira Saina Harahap, Rahmat Daim Hasibuan, Muthia Hafsari Hasibuan, Titin Efrida Hayady, Roza Hayati, Nur Fadillah Ikhsan Harahap, Muhammad Imsar, Imsar Indra, Ahmad Perdana Indradewa, Rhian Ira Purnama Irawan, Harry Irham, Mawaddah Irmayani Isna Fauziah, Isna Juliana Nasution Julita Keumala Hayati Khairunnisa, Ira Amalia Khoiriah, Zulfa Khoiriaturrahmah, Miftah Laila Rahmayuni Rangkuti Lathief Ilhamy, Muhammad Laylan Syafina Lestari, Aprilia Lestari, Mega Indah Lubis, Balqis Mawaddah Lubis, Ismul Fakhri Lubis, Muhammad Iqbal Asyari Lubis, Yulpida Sari Lutfiah, Dhita Maghfirah, Nur Manik, M. Rikwan ES. Manurung, Nurlatifah Marliyah, Marliyah Matondang, Muhammad Haekal Maysarah, Maysarah Muhaisin, Ahmad Muhammad Ikhsan Harahap Muhammad Lathief Ilhamy Nasution Muhammad Riduan, Muhammad Muhammad Yafiz, Muhammad Munthe, Raja Syahrial Mustapa Khamal Rokan Nada, Mufidatil Nasution, Juliana Nasution, Muhammad Irwan Padli Nasution, Muhammad Latief Ilhamy Nasution, Nadya Dwinna Putri Nasution, Sariati Nasution, Syahdinar Nst , Uci Roito Anggina Nuh, Ruslee Nurhasanah, Upik Nurhayati Nurhayati Nurhayati Nurlaila Nurlaila Nurlaila Nursantri Yanti Nurul Inayah Nurul Jannah Nurwani Nurwani, Nurwani Pardamean Siregar, Pardamean Perdana Indra, Ahmad Prabowo, agus P Pratiwi, Eka Aprila Purba, Rendi Puspita, Windy Putri Siregar, Annisa Qarni, Waizul Rahma Sari Zein Rahmah, Nuzulliah Rahmi Syahriza, Rahmi Ramadhani, Anggraini Rambe, Jelita Handayani Restu Tanjung, Dwi Ripai Saragih, Ahmad Ritonga, Lilis Suryani Ritonga, Vera Ayu Ningsih Ritonga, Wardoni Hikman Rizkan Polem, T. Rizqiyah, Anisah Rohfadli, Muhammad Ruhama, Intan Salsabila, Raisya Santi Arafah Sari, Reni Ilma Shofiyani, Leni Sijabat, Winda Irmayani Silalahi, Purnama Ramadani Sinaga, Muhammad Syahputra Sipahutar, Ana Pahira Sirait, Frida Yanti Situmorang, Harudini Nizar Sri Sudiarti Srisudiarti sriwahyuni Sriwahyuni Subandi Subandi Sufa, Amanda Oktavia Sugianto Sugianto Sugianto Suharto, Tentiyo Supardi Supardi Syahira, Tira Syakir, Ahmad Syarbaini, Ahmad Muhaisin B Tambunan, Ria Tifanny Tasya Nadilla Tri Inda Fadhila Rahma Utama, Septia Sakinah Rizki Vanessa Vanessa Venny Fraya Hartin Nst Wardani, Aisyatul Wijaya, Rio Winarsih, Safitri Yenni Samri Juliati Nasution YUDI SISWADI Yuditia, Oppi Yolanda Yunni, Yunni Zainarti Zainarti Zamzam, Ayu Raudah Zuhrinal M Nawawi zulfikar, Zulfikar