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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 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) Rayah Al Islam : Jurnal Ilmu Islam 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 Amkop Management Accounting Review (AMAR) Jurnal Akuntansi Manado (JAIM) 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 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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ANALISIS IMPLEMENTASI PENETAPAN MARGIN PADA PRODUK PEMBIAYAAN KENDARAAN BERMOTOR KHUSUS ASN MELALUI AKAD MURABAHAH DALAM PERSPEKTIF FIQH MUAMALAH DI PT. BANK SUMUT SYARIAH KANTOR CABANG PEMATANG SIANTAR Lestari, Mega Indah; Anggraini, Tuti; Nurwani, Nurwani
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 12 No. 3 (2023): Jurnal Maneksi (Management Ekonomi Dan Akuntansi)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v12i3.1630

Abstract

This study aims to determine the implementation of setting margins on motor vehicle financing products specifically for ASN through murabaha contracts in the perspective of fiqh muamalah. This study uses a descriptive qualitative approach. Sources of data obtained through primary and secondary data, for data collection using observation, interviews and documentation. The results of this study are that in financing murabahah contracts at Bank Sumut Syariah, Pematang Siantar Branch, in implementing the margin, it is in accordance with the principle of permissibility in determining the magin. But in financing murabahah contracts for motorized vehicle products specifically for ASN, this is not in accordance with the principles of fiqh muamalah perspective, namely the principle of justice, because the determination of the profit margin is not explained in detail so that customers only know the selling price and purchase price without knowing the margin set by Bank Sumut. Sharia Branch of Pematang Siantar.
Smart Environment Monitoring System Berbasis IoT pada Ruang Server CCTV Bandara Aek Godang Rohfadli, Muhammad; Efrizon, Efrizon; Nada, Mufidatil; Anggraini, Tuti
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.5779

Abstract

Ruang server CCTV di Bandara Aek Godang merupakan infrastruktur vital yang berperan dalam menjaga keamanan dan kelancaran operasional bandara. Kondisi lingkungan yang tidak terkontrol, seperti suhu dan kelembapan tinggi, adanya asap atau gas berbahaya, serta beban arus listrik berlebih, berpotensi menyebabkan gangguan sistem hingga kebakaran akibat korsleting. Sistem pemantauan yang masih dilakukan secara manual memiliki keterbatasan dalam mendeteksi perubahan kondisi secara cepat dan real-time. Oleh karena itu, penelitian ini bertujuan merancang dan mengimplementasikan Smart Environment Monitoring System berbasis Internet of Things (IoT) sebagai sistem deteksi dini risiko korsleting dan kebakaran pada ruang server CCTV Bandara Aek Godang. Sistem ini menggunakan mikrokontroler ESP32 yang terintegrasi dengan sensor SHT20 untuk pengukuran suhu dan kelembapan, sensor MQ-2 untuk deteksi gas dan asap, serta sensor PZEM-004T untuk pemantauan arus listrik. Data sensor dikirimkan secara real-time ke Cloud Virtual Private Server (VPS) melalui protokol MQTT dan diproses menggunakan Flask Framework untuk dibandingkan dengan nilai ambang batas serta disimpan ke dalam basis data. Informasi hasil pemantauan ditampilkan melalui aplikasi Android yang dikembangkan menggunakan MIT App Inventor dan dilengkapi dengan notifikasi peringatan otomatis apabila terjadi kondisi abnormal. Hasil pengujian lapangan menunjukkan bahwa sistem mampu bekerja stabil dengan tingkat keberhasilan transmisi data di atas 95% dan waktu respons kurang dari lima detik. Akurasi sensor berada dalam batas toleransi yang dapat diterima, sehingga sistem dinilai efektif dalam memberikan peringatan dini dan meningkatkan keamanan ruang server CCTV bandara.
The Influence Of Capital, Fertilizer Prices And Sharia Financing On The Income Of Oil Palm Farmers (Case Study Of Dolok District, North Padang Lawas Regency) Hasibuan, Titin Efrida; Anggraini, Tuti; Silalahi, Purnama Ramadani
JURNAL MANAJEMEN MOTIVASI Vol 21 No 2 (2025): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v21i2.7899

Abstract

This research aims to analyze the influence of capital, fertilizer prices and sharia financing on the income of oil palm farmers in Dolok District, North Padang Lawas Regency. Farmers' income is influenced by various factors, including the capital used for production, fluctuating fertilizer prices, and access to sharia financing which offers an interest-free alternative in the agricultural financial system. The research method used is quantitative with a multiple linear regression approach. Data was obtained from 35 respondents who are oil palm farmers who are customers of Bank Syariah Indonesia (BSI) KCP Gunung Tua. The research results show that fertilizer prices have a significant effect on the income of oil palm farmers, while capital and sharia financing do not have a significant effect. The simultaneous test (F test) shows that the three independent variables together have a significant influence on the income of oil palm farmers. However, the coefficient of determination (Adjusted R Square) value of 40.4% shows that there are still other factors that influence the income of oil palm farmers in the area
Analysis of Financial Behavior and Motivation of Generation Z in Decision-Making for Gold Installment Products at Bank Syariah Indonesia (Case Study: Gen Z Customers in Medan City) Tasya Nadilla; Anggraini, Tuti; Perdana Indra, Ahmad
JURNAL MANAJEMEN MOTIVASI Vol 22 No 1 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i1.9025

Abstract

This study analyzes the financial behavior and intrinsic motivation of Generation Z in Medan City in choosing Gold Installment products at Bank Syariah Indonesia (BSI). Using a descriptive qualitative method with a phenomenological approach, data were obtained through in-depth interviews with 11 active customers. The findings show that customers perceive installment margins as a “disciplinary cost” that helps control consumptive behavior and encourages forced savings. The product also demonstrates vertical inclusivity, attracting both formal and informal workers. Motivation differs by gender and life-cycle, where men prepare marriage dowries, while women seek financial independence. Islamic economic rationality includes material and spiritual satisfaction
Analisis Pengaruh Green Financing Terhadap Kinerja Keuangan Bank Umum Syariah Di Indonesia (2021-2024) Laila Rahmayuni Rangkuti; Anggraini, Tuti; Nasution, Juliana
JURNAL MANAJEMEN MOTIVASI Vol 22 No 1 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i1.9027

Abstract

This study examines the effect of green financing on the financial performance of Sharia Commercial Banks in Indonesia, measured by Return on Assets (ROA), Return on Equity (ROE), and Non-Performing Financing (NPF). Using panel data from Sharia Commercial Banks during 2021–2024, the study applies a quantitative approach and panel data regression analysis with EViews. The findings reveal that green financing significantly affects financial performance. Specifically, green financing has a negative and significant impact on ROA, ROE, and NPF. These results suggest that while increased green financing may reduce profitability, it also contributes to lower financing risk and improved asset quality. Keywords: Green Financing; Financial Performance; ROA; ROE; NPF; Islamic Commercial Banks
Peran Pembiayaan Rahn Emas Dalam mengatasi Permasalahan Likuiditas Bank Syariah di Tengah Kenaikan Harga Emas (Studi Kasus Bank Aceh Syariah Cabang Sisingamangaraja Medan) Shofiyani, Leni; Nurlaila; Anggraini, Tuti
JURNAL MANAJEMEN MOTIVASI Vol 22 No 1 (2026): Jurnal Manajemen Motivasi
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/jmm.v22i1.9122

Abstract

This study analyzes the implementation of gold rahn financing and its role in addressing liquidity issues amid rising gold prices at PT Bank Aceh Syariah, Sisingamangaraja Branch, Medan. Using a descriptive qualitative approach, data was collected through interviews, observations, and documentation. The findings show that gold rahn financing involves application submission, gold appraisal, contract execution, and fund disbursement using qardh, rahn, and ijarah contracts. This scheme supports bank liquidity through its short-term nature, low risk, and highly liquid gold collateral. Rising gold prices further increase collateral value, financing demand, and fund turnover. Keywords: Gold Rahn Financing; Liquidity; Gold Prices
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, Muhammad Ikhsan 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 Juliati Nasution, Yenni Samri Julita Keumala Hayati Khairunnisa, Ira Amalia Khoiriah, Zulfa Khoiriaturrahmah, Miftah Kusmilawaty, Kusmilawaty 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 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 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, Nurwani Pardamean Siregar, Pardamean Perdana Indra, Ahmad Prabowo, agus P Pratiwi, Eka Aprila Purba, Rendi Puspita, Windy Putri Siregar, Annisa Putri, Sri Eka Qarni, Waizul Rahma Sari Zein Rahma, Tri Inda Fadhila 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 Siregar, Sri Indah Situmorang, Harudini Nizar Solin, Naia Fingkani 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 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 Zuhrinal M. Nawawi zulfikar, Zulfikar