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All Journal Jurnal Paradigma Ekonomika Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura I-ECONOMICS: A Research Journal on Islamic Economics Journal of Business Management Education (JBME) Jurnal Ilmiah Ekonomi Islam Tadbir : Jurnal Studi Manajemen Pendidikan 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) SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Jurnal Socius: Journal of Sociology Research and Education Dinasti International Journal of Education Management and Social Science Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business Rayah Al Islam : Jurnal Ilmu Islam Ilomata International Journal of Management RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Academia Open LEGAL BRIEF Accounting and Business Journal Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Ilomata International Journal of Management 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 Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Journal of Student Development Informatics Management (JoSDIM) Islamiconomic: Jurnal Ekonomi Islam Studi Akuntansi, Keuangan, dan Manajemen Jurnal Ilmiah Mahasiswa Raushan Fikr Media Ekonomi JRAP (Jurnal Riset Akuntansi dan Perpajakan) IDARAH : Jurnal Pendidikan dan Kependidikan Journal of Social Commerce Moneter : Jurnal Keuangan dan Perbankan Electronic Journal of Education, Social Economics and Technology Innovative: Journal Of Social Science Research J-ISACC : Journal of Islamic Accounting Competency Amkop Management Accounting Review (AMAR) Jurnal Akuntansi Manado (JAIM) e-Jurnal Apresiasi Ekonomi Jurnal Informatika Ekonomi Bisnis Journal of Economics and Management Scienties Journal of Management, Economic, and Accounting International Journal of Multidisciplinary Research of Higher Education (IJMURHICA) Jurnal REP (Riset Ekonomi Pembangunan) IIJSE Majapahit Journal of Islamic Finance dan Management Jurnal Akuntansi dan Keuangan Islam (JAKIs) Majapahit Journal of Islamic Finance dan Management Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital 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 Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Veterinary Other

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Journal : IIJSE

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Lecturers’ Perceptions on The Use of Sharia Credit Card Filka, Nadhri; Anggraini, Tuti
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 2 (2022): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v5i2.2163

Abstract

The phenomenon of using credit cards for some people is considered a symbol of status and lifestyle. This has an impact on conventional and Islamic financial institutions to compete to create banking card products that function to attract the attention of potential customers. Therefore, this study aims to analyze the perception of lecturers in the use of Islamic credit cards. The sample of this research is people who have a teaching profession at an Islamic University. The research method is qualitative, then the data collection in this study is the distribution of online questionnaires and literature studies. Then the data is analyzed by interactive model. The results show that what makes lecturers less interested is that they think conventional and sharia credit cards are the same. Furthermore, the lack of socialization of Islamic banks in promoting and explaining in detail about Islamic credit cards. Then, someone who has a teaching profession has the perception that using a sharia credit card will give them financial risk if one day they fail to pay their bills. The services and facilities provided by Islamic banks are not maximized when compared to conventional ones.
Strategies for Increasing the Competence of Sharia Banking Students’ Career Interest in Sharia Financial Institutions Annisari, Annisari; Anggraini, Tuti
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 2 (2022): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v5i2.2346

Abstract

Indonesia is a country with the largest Muslim population of 231,069,932 people based on data from the Indonesian ministry of religion. That figure is equal to 84.37% of Indonesia’s total population of 273,879,750 people. As home to 84.37% of the Muslim population, Indonesia has fantastic potential sharia in the business world. The development of the sharia business lately has been rapid. Many demand scholars who understand the world of sharia business has resulted in increased job opportunities. The availability of vacancies in Islamic financial institutions requires competent human resources or graduates in the fields of economics and Islamic banking. The purpose of this research is to analyze the strategy of increasing the competence of sharia banking students at UIN Sumatera Utara in the interest of a career in sharia financial institutions. The research uses a qualitative approach with a descriptive analysis method. Research techniques used are interview, observation, literature review, and documentation. The result showed that the informant has a high interest in a career in sharia financial institutions due to labor market considerations, the working environment, financial rewards/salaries, and religiosity. However, it is not in line with the dominance of human resources who have no sharia banking education background in these institutions. Thus, we need the right strategy to improve the competence of students in order to produce sharia graduates who are competent and ready to compete in the world of work financial rewards/salaries and religiosity. Therefore, we need the right strategy to improve the competence of students in order to produce sharia graduates who are competent and ready to compete in the world of work.
Study of Relevance of Sharia Banking Study Program Graduates in 2019-2021 (Analysis of The Curriculum of Sharia Banking Study Program) Anggraini, Tuti; Lathief Ilhamy, Muhammad; Perdana Indra, Ahmad
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 1 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i1.2811

Abstract

This research was conducted to find out the quality of graduates, how long the wait for work is, and how the relevance of the implementation of the curriculum that has been implemented in the study program to the needs of the labor market. The latest data from the Central Statistics Agency (BPS) shows that as of August 2022, Indonesia’s unemployment rate was recorded at 5.86% of the total working-age population of 209.42 million people. What was astonishing is, of the 209.42 million people, almost 673.49 thousand (7.99%) were undergraduate graduates (S1). This tracer study is an evaluative descriptive study that seeks to describe the profile of graduates and the relevance of the curriculum materials for the Sharia Banking Program through a survey approach. From the results of this study, it is known that the waiting time for graduates to work in companies for more than 6 months is greater by 66 people, for the period before 6 months there are only 26 people and the time span above 18 months is around 24 people. Where the suitability of the field of work graduates as many as 88 people.
Analysis of Education and Work Training to Prevent Prospective Sharia Insurance Agents Performing Fraud Criminal Acts in Marketing Products to Prospective Customers (Case Study at PT. Asuransi Prudential Syariah Binjai) Prabowo, Bayu; Anggraini, Tuti
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 2 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i2.3420

Abstract

Good education and training not only make an employee in a company progress, but the company will also develop in a better direction, and of course be able to compete with bigger companies. The purpose of this research is to analyze the importance of education and job training to prevent prospective Sharia insurance agents from committing criminal acts of fraud in marketing products to prospective customers. This research was conducted using qualitative methods through case studies at PT. Asuransi Prudential Syariah Binjai. The results of this study indicate that good education and job training can make a professional agent and can prevent fraud against prospective customers. A good education can provide knowledge about products and applicable regulations, as well as make agents more skilled in providing correct information to prospective customers. Good job training can also make agents more responsible and disciplined in marketing their products and not carelessly using marketing techniques to get customers. The company’s concern for agent job education and training will have a significant influence on improving the quality of the company’s human resources.
The Influence of Knowledge of Partai Keadilan Sejahtera (PKS) Cadres on the Preference of Saving in Sharia Bank with Religiosity as a Moderating Variable Ripai Saragih, Ahmad; Nurlaila, Nurlaila; Anggraini, Tuti
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 2 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i2.3666

Abstract

The purpose of this research is to determine the effect of knowledge on saving preferences in Sharia banks and to determine the role of religiosity in moderating knowledge of saving preferences in Sharia banks. The approach is quantitative research. The research subjects were Partai Keadilan Sejahtera (PKS) Cadres in Percut Sei Tuan District. The results of this study indicate that the results of multiple linear regression analysis with the use of Moderated Regression Analysis (MRA) partially indicate that the knowledge variable (X1) has a positive and significant effect on saving preferences in Sharia bank, while the moderating variable, namely religiosity (Z) has an effect positive and significant towards saving preferences (Y) in Sharia banks. The variable multiplication between the independent variable and the moderating variable is PR (Knowledge x Religiosity) where the religiosity variable moderates by weakening the relationship between the knowledge variable and the preference variable for saving in Sharia banks. Religion is not able to moderate the effect of knowledge on saving preferences in Sharia banks. The results of multiple linear regression analysis with the simultaneous use of Moderated Regression Analysis (MRA) show that simultaneously influencing the dependent variable, namely the preference for saving in Sharia bank with a significant level of 0.000 <0.05 and calculated F value =1748,102 and F table =3,939, so 1748.102>3,939. Factor variations based on the results of multiple linear regression analysis with the use of Moderated Regression Analysis (MRA) that each variable is able to explain, variation of Preferences for Saving in Sharia bank of 98.1%. Meanwhile, another 1.9% is influenced by other variables outside the model.
Financial Performance Analysis of PT. Bank Syariah Indonesia (BSI) for the 2021-2022 Period Using the Camel Method Nasution, Sariati; Yafiz, Muhammad; Anggraini, Tuti
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3806

Abstract

The purpose of this research is to analyze the financial performance of PT. Bank Syariah Indonesia for the 2021-2022 period using the CAMEL method. This study uses descriptive quantitative methods and uses secondary data. The results of this study are that in 2021 CAR PT. Bank Syariah Indonesia is in the range of 22.09% and in 2022 CAR PT. Bank Syariah Indonesia is in the range of 20.29%. In general, in 2021 and 2022 the CAR value of PT. Bank Syariah Indonesia is classified as healthy because it meets the standards set by Bank Indonesia. In 2021 the KAP ratio of PT. Bank Syariah Indonesia is in the range of 0.015% and in 2022 the ratio of KAP PT. Bank Syariah Indonesia is in the range of 0.045%. In general, in 2021 and 2022 the KAP value of PT. Bank Syariah Indonesia is classified as healthy because it meets the standards set by Bank Indonesia. In 2021 NPF of PT. Bank Syariah Indonesia is in the range of 0.87% and in 2022 the NPF of PT. Bank Syariah Indonesia is in the range of 0.57%. In general, in 2021 and 2022 the NPF value of PT. Bank Syariah Indonesia is classified as healthy because it meets the standards set by Bank Indonesia. In 2021 ROA PT. Bank Syariah Indonesia is in the range of 1.61% and in 2022 PT. Bank Syariah Indonesia is in the range of 1.98%. In general, in 2021 and 2022 the ROA value of PT. Bank Syariah Indonesia is classified as healthy because it meets the standards set by Bank Indonesia. In 2021 FDR PT. Bank Syariah Indonesia is in the range of 73.39% and in 2022 FDR PT. Bank Syariah Indonesia is in the range of 79.37%. In general, in 2021 and 2022 the FDR value of PT. Bank Syariah Indonesia is classified as healthy because it meets the standards set by Bank Indonesia.
The Role of Productive Zakat on the Empowerment of Street Vendors (Case Study of Baznas Medan Ruhama, Intan; Sudiarti, Sri; Anggraini, Tuti
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 2 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i2.3831

Abstract

The purpose of this study is to analyze the role of productive zakat in increasing the empowerment of street vendors (PKL) micro-enterprises, to analyze how the performance of street vendors is, to analyze whether the productive zakat given by BAZNAS plays a role in the Empowerment of street vendors, and to analyze the results of empowering street vendors. This study used a descriptive qualitative method. This research was conducted on Medan Street vendors who received productive zakat from zakat institutions and on zakat institutions namely BAZNAS Medan. Technical Data analysis is carried out continuously, taking place during data collection and after data collection is complete. \. The research results show that the distribution of zakat can be focused on human productivity so that the benefits will be felt consistently. This research is qualitative research with an in-depth analysis method so that productive zakat distributed by the BAZNAS Institute can be empowered the productivity of street vendors. The results of this study indicate that the main strength of the distribution of productive zakat by BAZNAS Medan is zakat as an obligation for able Muslims, while the main weakness is the difficulty of the facilitator in giving directions regarding the socialization of the marketing of goods and services produced by street vendors (mustahiq). The main opportunity is the strong community support for the implementation of productive zakat, while the main threat is the pressure on the cost of living experienced by mustahiq, which causes the misuse of the profits from the productivity of productive zakat funds into consumptive funds by mustahiq.
Co-Authors Adrian, Muhammad Fikri Ahmad Riyansyah, Ahmad Alfarezzi, Ahmad Alfian, Ian ian Amalia Nasution, Nabilla Amanda, Feby Aulia Amelia, Anika Andini Al Khoiri, Putri Andri Soemitra Anfa, Sugianto Anggaraini, Tuti Annisari, Annisari Aqwa Naser Daulay Ariesta, Syahna Arifin Fauzi Lubis Ariski, Martogi Arnida Wahyuni Lubis Asmuni Asmuni , Asmuni Asmuni Asmuni Asriadi, Ari Asy’ary, Muhammad Hasan Atika, Febri Aulia, Nafra Ayunda, Afrila Ayuni, Ifti Azahar Siregar, Rahmat Azhari, Alwan Bayani, Luthfiah Nur Bayu Prabowo, Bayu Bi Rahmani, Nur Ahmadi Budi Harianto, Budi Dalimunthe, Maya Oktavia Dewi, Cindy Kumala Dhian Rosalina, Dhian Djunaidi, Zikri Habibi Effendi, Lutfiah Eka Putri Simanjuntak, Febrina Emizal Amri, Emizal Erda Fitriani Fadhilah, Gina Fadillah, Muhammad Aris Fauzan, M. Febriani, Gymnasti Fili, Nada Sausan Adha Filka, Nadhri Fitri Fransiska, Silvia Hafizah, Raisya Hanafi, Burhan Harahap, Aswan Nawawi Harahap, Faiza Shakira Saina Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Hasibuan, Muthia Hafsari 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 Jihan, Siti Juliana Nasution Juliati Nasution, Yenni Samri Julita Keumala Hayati Khairunnisa, Ira Amalia Khoiriah, Zulfa Khoiriaturrahmah, Miftah Kusmilawaty, Kusmilawaty Kusuma, Annisa Ayu Lathief Ilhamy, Muhammad Laylan Syafina Lestari, Aprilia Lubis, Balqis Mawaddah Lubis, Ismul Fakhri Lubis, Muhammad Iqbal Asyari Lubis, Yulpida Sari Lutfiah, Dhita M Nawawi, Zuhrinal Maghfirah, Nur Manik, M. Rikwan ES. Manurung, Nurlatifah Marliyah, Marliyah Matondang, Muhammad Haekal Maysarah, Maysarah Muhaisin, Ahmad Muhammad Lathief Ilhamy Nasution Muhammad Riduan, Muhammad Muhammad Syukri Albani Nasution Muhammad Yafiz, Muhammad Multa Nasution, Darwin Munthe, Raja Syahrial Mustapa  Khamal  Rokan Nasution, Aida Fitri Nasution, Juliana Nasution, Muhammad Irwan Padli Nasution, Muhammad Latief Ilhamy nasution, Muhammad Latif Ilhamy Nasution, Nadya Dwinna Putri Nasution, Sariati Nasution, Syahdinar Ningruma, Dyah Asti Nst , Uci Roito Anggina Nuh, Ruslee Nurhasanah, Upik Nurhayati Nurhayati Nurhayati Nurlaila Nurlaila Nursantri Yanti Nurul Inayah Nurul Jannah Nurwani Nurwani Nurwani, Nurwani Olivia Ningrum, Natasya Pardamean Siregar, Pardamean Perdana Indra, Ahmad Prabowo, agus P Pratiwi, Eka Aprila Pulugan, Riziq Ahmad Purba, Rendi Puspita, Windy Putri Siregar, Annisa Putri, Kennadem Kurnia Putri, Sri Eka Qarni, Waizul Qodriyah, Nurul Ni'mah Rahma Sari Zein Rahma, Tri Inda Fadhila Rahmadhani, Anisa 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 Ruhama, Intan Salsabila, Raisya Sandi, Muhammad Santi Arafah Sari, Reni Ilma Sari, Riska Dwi Sijabat, Winda Irmayani Sinaga, Muhammad Syahputra Sipahutar, Ana Pahira Sirait, Frida Yanti Siregar, Tetty Handayani Situmorang, Harudini Nizar Solin, Naia Fingkani sri sudiarti Srisudiarti sriwahyuni Sriwahyuni Subandi Subandi Sufa, Amanda Oktavia Sugianto Sugianto Sugianto Suharto, Tentiyo Supardi Supardi Susanty, Widya Syahira, Tira Syakir, Ahmad Syarbaini, Ahmad Muhaisin B Tambunan, Ria Tifanny Utama, Septia Sakinah Rizki Vanessa Vanessa Venny Fraya Hartin Nst Wardani, Aisyatul Wijaya, Rio Winarsih, Safitri YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI YUDI SISWADI Yuditia, Oppi Yolanda Yunni, Yunni Zainarti Zainarti Zamzam, Ayu Raudah Zuhra, Annisa Zuhrinal M. Nawawi zulfikar, Zulfikar