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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 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 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 SULTANIST: Jurnal Manajemen dan Keuangan JURNAL EKSBIS International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Socius: Journal of Sociology Research and Education Dinasti International Journal of Education Management and Social Science 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 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 Jurnal Akuntansi Manado (JAIM) e-Jurnal Apresiasi Ekonomi Jurnal Informatika Ekonomi Bisnis Journal of Economics and Management Scienties Journal of Management, Economic, and Accounting IIJSE Jurnal Akuntansi dan Keuangan Islam (JAKIs) 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
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 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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SWOT Strategy Analysis of the Merger of Cigna Insurance Company with Chubb Life Company Riduan, Muhammad; Anggraini, Tuti; Nasution, Juliana
Ilomata International Journal of Management Vol. 5 No. 3 (2024): July 2024
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v5i3.1221

Abstract

The merger is a strategic corporate move that aims to advance Chubb by expanding and strengthening its presence in Indonesia. But the fact is that after officially conducting a merger, a strategy is needed in facing future competition. The SWOT Strategy Analysis of this research was determined with the aim of business or identifying objects related to the research. The data used in this field research was collected and analyzed using qualitative methods. So that several objectives can be obtained in this study, namely the first objective is to provide new opportunities for companies to operate efficiently, while the second objective is to reduce costs and increase company efficiency after the merger. The results showed that Chubb Life Medan Branch has many opportunities that need to be utilized effectively. Therefore, the company should evaluate its existing resources, skills and weaknesses. Based on the analysis, this research can provide strategies to help Chubb Life Medan Branch collaborate with other companies. The findings suggest the implication that Chubb Life Medan Branch should focus on improving its internal environment and external environment to enhance its performance and competitiveness. In addition, one of the best methods to strengthen the company's base is through mergers. The argument is that mergers can enable businesses to achieve their goals more quickly.
Analysis of the Development of Islamic Banks in the Capital Market: (Case Study of Indonesian Islamic Banks) Nasution, Nadya Dwinna Putri; Harahap, Muhammad Ikhsan; Anggraini, Tuti; Nuh, Ruslee
Ilomata International Journal of Management Vol. 5 No. 3 (2024): July 2024
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v5i3.1230

Abstract

This research aims to understand the trajectory of BSI in the capital market by using trend analysis and identifying the challenges faced in its development. This research uses qualitative research methods, namely content analysis of papers from the Google Scholar database, the OJK website, and the Indonesian data portal. The research object here is an analysis of the development of Islamic banks in the capital market, using trend analysis. The research results show that stock price forecasting, earnings per share forecasting, and ROE forecasting are assumed to remain stable at a certain level every year. In the stock price forecasting graph it produces an R squared value in percent of around 41.25%, in earnings per share forecasting it produces an R squared value in percent of around 95.61%, and in ROE forecasting it produces an R squared value in percent of around 87.75%. This only shows historical and projected data, without showing the factors that influence share price movements, earnings per share, and ROE. Therefore, keep in mind that this data is only part of the factors that need to be considered when making an investment
The Effect of Cash Management System Quality on Customer Retention Loyalty at Bank Syariah Indonesia KC Rantauprapat Dalimunthe, Maya Oktavia; Sugianto; Anggraini, Tuti
Ilomata International Journal of Management Vol. 5 No. 4 (2024): October 2024
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v5i4.1263

Abstract

This research aims to find out whether the quality of the Cash Management System at Bank Syariah Indonesia KC Rantauprapat influences customer loyalty. Participants in this research were customers of Bank Syariah Indonesia KC Rantauprapat. Quantitative research is the methodology used. Researchers only selected a sample of 60 respondents, so the selection was carried out using a total sampling technique. Validated and reliable questionnaires were included in the data collection methods. Simple linear regression, classical assumption test, F hypothesis test, t hypothesis test, and coefficient of determination are data analysis methods used to answer hypotheses. The results of the research carried out show that the t value calculated for the Quality of the Cash Management System (X) is 6.832. With this value greater than t table (2.002). Thus, Ha is accepted and Ho is rejected in testing the research hypothesis. Cash Management System has a significant influence on fund transfer decisions, because Cash Management System contributes to fund transfer decisions by Bank Syariah Indonesia KC Rantauprapat customers. The bill payment feature allows customers to make payments such as telephone, electricity, cellular operator or insurance bills, while delivery orders can be used to make payments for shipping goods.
Impact of Social Environment, Financial Education, and M-Banking Features on Impulsive Buying Behavior Among Indonesian University Students Fadhilah, Gina; Syafina, Laylan; Anggraini, Tuti
Ilomata International Journal of Management Vol. 5 No. 4 (2024): October 2024
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v5i4.1321

Abstract

This study aims to determine the effect of social environment, financial education, and e-commerce supporting features on m-banking on impulsive buying behavior. This quantitative research uses a population of students from the Faculty of Islamic Economics and Business at UIN Sumatera Utara, employing multiple linear regression analysis with SPSS v.26. The sampling method used was purposive sampling technique using the slovin formula. The results of this study can highlight the importance of more integrated and practical financial education programs in universities. If it is proven that lack of financial literacy increases impulse buying behavior, educational institutions can develop curricula that focus more on money management and the impact of impulse spending. If m-banking features are proven to contribute to impulse buying behavior, then app developers can introduce features that encourage users to be more conscious about their spending. If peer influence is shown to have a significant impact on impulse buying behavior, then there needs to be a social intervention that educates students about social influences on their spending. Thus, collaboration between universities and m-banking service providers can strengthen financial education and impulse spending control efforts.
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.
Analisis Strategi Perbankan Syariah Dalam Menghadapi Konstruksi Ekonomi 5.0 Ditinjau Melalui Analisis SWOT (Studi Kasus PT. Bank Syariah Indonesia KCP Medan Padang Bulan) Wardani, Aisyatul; Anggraini, Tuti; Harahap, Rahmat Daim
Journal of Student Development Informatics Management (JoSDIM) Vol 3, No 2: JoSDIM | Desember 2023
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/josdim.v3i2.5163

Abstract

Economic Construction 5.0 is a society that can solve various social challenges and problems by utilizing various innovations that were born in the era of the Industrial Revolution 4.0 such as Internet on Things (internet for everything), Artificial Intelligence (artificial intelligence), Big Data (large amounts of data) , and robots to improve the quality of human life. It is hoped that this research can add to the body of knowledge in the field of sharia banking, especially those related to the problem of sharia banking in facing economic construction 5.0 viewed through SWOT analysis, which can be used as reference material for further research that carries out similar research. The problem formulation of this research is how PT. BSI KCP Medan Padang Bulan and what obstacles are faced in facing Economic Construction 5.0 are reviewed through SWOT Analysis and what solutions or efforts are made to face these obstacles. This research uses a qualitative research model with a case study approach model, namely a research approach that tries to explore real life through detailed and in-depth data collection involving various sources of information, whether in the form of interviews, document observations or reports by describing the objects of the research case.
Analisis Strategi Pemasaran Pembiayaan KPR FLPP Pada Perumahan Bersubsidi Dengan Akad Murabahah (Studi Kasus PT Bank Syariah Indonesia,Tbk Syariah KC Medan Aksara) Yuditia, Oppi Yolanda; Anggraini, Tuti; Harahap, Rahmat Daim
Journal of Student Development Informatics Management (JoSDIM) Vol 3, No 2: JoSDIM | Desember 2023
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/josdim.v3i2.5164

Abstract

The aim of this research is to analyze and find out the marketing strategy and financing procedures for FLPP KPR in subsidized housing at PT Bank Syariah Indonesia, Tbk KC Medan Aksara. The method used is qualitative with primary and secondary data sources. The results of this research are PT Bank Syariah Indonesia, Tbk KC Medan Aksara to develop and market FLPP KPR Financing products using the Marketing Mix method. 7P, namely Product, Price, Place, Promotion, People, Physical Evidence, Process strategy. Obstacles due to rising housing production costs (building materials, labor wages, and land prices which continue to soar). PT Bank Syariah Indonesia, Tbk KC Medan Aksara mostly uses murabahah financing contracts from the Financing Application stage, Financing Evaluation, Financing Structure, Issuance of Financing Decree, Contract Implementation, up to Financing Disbursement is in accordance with the provisions of the Fatwa of the National Sharia Council of the Indonesian Ulema Council No: 04/DSNMUI/IV/2000 concerning Murabahah. The obstacles found were seen from various parties, including debtors, developers and banks.
ANALYSIS OF THE IMPLEMENTATION OF THE IJARAH ASSET TO BE LEASED AGREEMENT IN THE LATEST DEVELOPMENT OF RETAIL SUKUK SALES IN INDONESIAN SHARIA BANK (CASE STUDY OF INDONESIAN SHARIA BANK KC S.PARMAN MEDAN) Ramadhani, Anggraini; Anggraini, Tuti; Inayah, Nurul
JURNAL EKBIS Vol 25 No 1 (2024): EKBIS (Jurnal Analisis, Prediksi dan Informasi
Publisher : Universitas Islam Lamongan

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

Abstract

The Indonesian government offers retail sukuk as an investment product for retail investors, in accordance with sharia principles. This research uses a qualitative research approach with a focus on case study methodology. The data sources used in this research consist of primary data obtained through observation and interviews. Meanwhile, secondary data was obtained from retail sukuk research and other relevant literature. The data validity method used in this research is called data source triangulation. The data analysis process begins with data collection, continues with organizing and categorizing the data, and finally identifying themes for interpretation. Therefore, the findings of this research include the results of the analysis of the implementation of SR 019-T3 retail sukuk at BSI KC S.parman Medan. The results of research findings and analysis will be presented as an illustration of how sales are carried out by banks, including a description of the obstacles and benefits faced. There are several advantages to investing in retail sukuk. However, retail sukuk also have their own risks. BSI is actively marketing retail sukuk through social media, and many students are starting to research retail sukuk and savings provided by SBSN agents or distribution partners.
OPERATIONAL RISK ANALYSIS IN ISLAMIC BANKING: A CASE STUDY IN INDONESIA Prabowo, agus P; Anggraini, Tuti
JURNAL EKBIS Vol 25 No 1 (2024): EKBIS (Jurnal Analisis, Prediksi dan Informasi
Publisher : Universitas Islam Lamongan

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

Abstract

This study analyzes operational risk in Islamic banking in Indonesia, focusing on identifying the types of operational risks faced and strategies to manage them. Operational risks cover a wide range of issues such as human error, system failure, and non-compliance with sharia regulations and principles. The study utilized a qualitative approach through in-depth interviews with risk and internal audit managers from several leading Islamic banks in Indonesia. The results show that the most significant operational risks in Islamic banking in Indonesia are human error risk, information technology failure, and sharia compliance risk. To address these risks, Islamic banks have implemented various strategies such as improving internal controls, training and developing human resources, and investing in information technology. In addition, compliance with sharia regulations and principles is also improved through monitoring regulatory changes and implementing strict sharia compliance policies. The study also found that adaptation to economic and social changes is an important factor in enhancing the resilience of Islamic banking. Islamic banks in Indonesia develop the capacity to respond to changes quickly through monitoring economic and social trends and developing quick and effective responses. In conclusion, with the implementation of comprehensive and integrated strategies, Islamic banking in Indonesia can significantly reduce operational risk and increase its resilience to economic and social changes, thereby providing better services to customers and ensuring sustainable growth.
Co-Authors Adrian, Muhammad Fikri Ahmad Riyansyah, Ahmad Alfarezzi, Ahmad Alfian, Ian ian Amanda, Feby Aulia Amelia, Anika Andini Al Khoiri, Putri Anfa, Sugianto Aqwa Naser Daulay Ariski, Martogi Arnida Wahyuni Lubis Asmuni Asmuni Asmuni Atika, Febri Aulia, Nafra Ayunda, Afrila Azahar Siregar, Rahmat Azzahra, Annisa Aulia Bayani, Luthfiah Nur 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 Febriani, Gymnasti Fili, Nada Sausan Adha Fransiska, Silvia Hafizah, Raisya Hamdiah, Vidairotul Hanafi, Burhan Harahap, Aswan Nawawi Harahap, Faiza Shakira Saina Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Hasibuan, Muthia Hafsari Hayady, Roza Herlina Herlina Ikhsan Harahap, Muhammad Imsar, Imsar Indra, Ahmad Perdana Ira Purnama Irham, Mawaddah Irmayani Jihan, Siti Juliana Nasution Juliati Nasution, Yenni Samri Julita Keumala Hayati Khoiriaturrahmah, Miftah Laylan Syafina Lestari, Aprilia Lubis, Balqis Mawaddah Lubis, Ismul Fakhri Lubis, Muhammad Iqbal Asyari M Nawawi, Zuhrinal Manik, M. Rikwan ES. Manurung, Nurlatifah Marliyah, Marliyah Matondang, Muhammad Haekal Maysarah, Maysarah 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 Latif Ilhamy Nasution, Nadya Dwinna Putri Nasution, Syahdinar Ningruma, Dyah Asti Nst , Uci Roito Anggina Nuh, Ruslee Nurbaiti Nurbaiti Nurhasanah, Upik Nurhayati Nurhayati Nurhayati Nursantri Yanti Nurul Inayah Nurul Jannah Nurwani Nurwani Nurwani, Nurwani Olivia Ningrum, Natasya Pardamean Siregar, Pardamean Prabowo, agus P Pulugan, Riziq Ahmad Purba, Rendi Puspita, Windy 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 Rangkuti, Ririn Anjani Restu Tanjung, Dwi Ritonga, Lilis Suryani Ritonga, Vera Ayu Ningsih Rizqiyah, Anisah Salsabila, Raisya Sandi, Muhammad Santi Arafah Saparuddin Siregar Sari, Reni Ilma Sari, Riska Dwi Sijabat, Winda Irmayani Sinaga, Muhammad Syahputra Sipahutar, Ana Pahira Siregar, Tetty Handayani Situmorang, Harudini Nizar Srisudiarti sriwahyuni Sriwahyuni Subandi Subandi Sugianto Sugianto Sugianto Suharto, Tentiyo Supardi Supardi Susanty, Widya Syahira, Tira Syakir, Ahmad Syarbaini, Ahmad Muhaisin B Vanessa Vanessa Wardani, Aisyatul Wijaya, Rio Winarsih, Safitri YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI YUDI SISWADI Yuditia, Oppi Yolanda Yunni, Yunni Zamzam, Ayu Raudah Zuhra, Annisa Zuhrinal M. Nawawi zulfikar, Zulfikar