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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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The Influence Of Work-Life Balance On Employee Satisfaction And Performance In Banks (Case Study Of Bsi Kcp Medan Adam Malik) Lubis, Balqis Mawaddah; Harahap, Muhammad Ikhsan; Anggraini, Tuti
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 8, No 2 (2024): JHSS (Journal of Humanities and Social Studies)
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v8i2.10740

Abstract

Human resources are resources that play an important role in achieving company goals. Good human resource management will have a positive impact on the company concerned. This research was conducted to determine the effect of Work- Life Balance on job satisfaction and employee performance at Bank BSI KCP Medan Adam Malik. This type of research is explanatory research, which focuses on explaining the relationship between variables, namely the independent variable, namely work-life balance (X), the dependent variable, namely job satisfaction (Y1) and employee performance (Y2). The respondents in this research were all 36 employees of Bank BSI KCP Medan Adam Malik. The data collection method was carried out through distributing questionnaires as a primary source and literature study as a secondary source. Based on the research results, it can be concluded that work-life balance has a significant effect on job satisfaction and work-life balance has an effect on the performance of Bank BSI KCP Medan Adam Malik employees. Apart from that, work-life balance influences employee performance through job satisfaction of Bank BSI KCP Medan Adam Malik employees. 
Analisis Efektivitas Penyaluran Pembiayaan Kredit Pemilikan Rumah (KPR) Syariah Pada Perumahan Bersubsidi Dengan Akad Murabahah (Studi Kasus Bank Sumut KCP Syariah Kota Baru Marelan) Hanafi, Burhan; Anggraini, Tuti; Inayah, Nurul
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 8 No 2 (2024): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v8i2.27158

Abstract

This research aims to determine the effectiveness of distributing subsidized Sharia KPR financing to Bank Sumut KCP Syariah Kota Baru Marelan. For low-income people (MBR). The focus of this research is 1). What is the mechanism for distributing subsidized mortgages at Bank Sumut KCP Syariah in the city of Baru Marelan to low-income people, whether as permanent employees or traders who earn daily income. 2). What is the level of effectiveness of subsidized KPR distribution at Bank Sumut KCP Syariah in the city of Baru Marelan for low-income people (MBR). This method uses qualitative methods, namely interviews, observation and documentation. The results show that the distribution of subsidized KPR at Bank Sumut KCP Syariah Kota Baru Marelan with Murabahah contracts is effective for MBR. Through interviews with resource persons, it was found that the selection and disbursement process of funds was carried out well. This bank has clear procedures for accepting subsidized KPR. Apart from that, it can also be seen that in the last 5 years the demand for subsidized Sharia KPR has increased, this can be seen from the data obtained from sources. However, in this mortgage, of course there are problems related to bad credit in the mortgage, but the bank already has several ways to resolve this problem. The level of effectiveness of this program is quite effective because KPR distribution is given right on target to low-income people (MBR) both as permanent employees and daily earners
Pengaruh Penerapan Standar Akuntansi Pemerintah, Pengendalian Internal Dan Kompetensi Sumber Daya Manusia Terhadap Kualitas Laporan Keuangan Pemerintah Daerah Nst , Uci Roito Anggina; Anggraini, Tuti; Syafina, Laylan
Jurnal Akuntansi Manado (JAIM) Volume 5. Nomor 2. Agustus 2024
Publisher : Fakultas Ekonomi Universitas Negeri Manado

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Abstract

Penelitian ini bertujuan untuk menilai pengaruh standar akuntansi pemerintahan, pengendalian intern, dan kompetensi sumber daya manusia terhadap kualitas laporan keuangan pemerintah daerah. Data dikumpulkan dengan menyebarkan kuesioner kepada staf/pegawai di Badan Keuangan dan Aset Daerah Provinsi Sumatera Utara. Penelitian ini melibatkan 35 responden yang merupakan pegawai yang terlibat dalam pelaporan keuangan di instansi tersebut. Metode pengambilan sampel yang digunakan adalah non-probability sampling melalui purposive sampling. Model penelitian dianalisis dengan menggunakan regresi linier berganda. Hasil penelitian menunjukkan bahwa penerapan standar akuntansi pemerintahan dan kompetensi sumber daya manusia berpengaruh signifikan terhadap kualitas laporan keuangan pemerintah daerah, sedangkan pengendalian internal tidak berpengaruh.
The Effect of BOPO, CAR and NPF on the Profit Sharing Rate of Mudharabah Deposits in Sharia Commercial Banks Winarsih, Safitri; Yafiz, Muhammad; Anggraini, Tuti
Journal La Sociale Vol. 5 No. 6 (2024): Journal La Sociale
Publisher : Borong Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journal-la-sociale.v5i6.1392

Abstract

The aim of this research is to determine the effect of BOPO, CAR and NPF on the level of profit sharing from mudarabah savings in Islamic commercial banks. Secondary data was obtained from OJK banking financial data on sharia commercial banks. For 2017-2022. The analysis was carried out using the horizontal multivariate method with the help of the Aveo 12 application. The results of the partial significance test showed that the calculated t value for the difference in BOPO was -10.67, which was smaller than the significance of 2.14479 from the t table. This shows that variations in BOPO have a negative effect on the level of profit sharing on Mudarabah deposits. On the other hand, the calculated t value for the difference in CAR is 0.24, which is lower than the table of 2.14479, which shows that this difference does not have a significant effect on the level of profit sharing on mudarabah deposits. However, for the NPF income variable, the t-calculated value was 4.801, higher than the t-table value of 2.14479. Therefore, it can be concluded that this change has a significant effect on the level of profit sharing on Mudarabah deposits. Apart from that, statistical analysis (R Square) shows that the independent variable of this research is able to explain 85.7% of the variation in the variable, namely the Mudarabah Deposit Profit Sharing Rate. The remaining 14.3% was caused by other external factors and these differences were not included in this study.
Analisis Proses Rekrutmen dan Seleksi Karyawan Pada PT. Bakrie Sumatera Plantations Tbk Ditinjau dari Perspektif Islam Adrian, Muhammad Fikri; Anggraini, Tuti
Jurnal Informatika Ekonomi Bisnis Vol. 5, No. 1 (March 2023)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (387.951 KB) | DOI: 10.37034/infeb.v5i1.191

Abstract

The purpose of this study was to determine the employee recruitment and selection process carried out by PT Bakie Sumatera Plantations from an Islamic perspective. The research method used is descriptive qualitative. Retrieval of data obtained using interview techniques and field observations. The implementation of the recruitment and selection carried out by PT Bakrie Sumatera Plantations prioritizes the capabilities of prospective employees. The method used by PT Bakrie is also in accordance with Islamic principles which use an open system by using social media and cooperation with the Department of Labor as information dissemination. The nepotism that was carried out at PT Bakrie was based on the ability of prospective employees with a record of passing the tests determined by the company.
Linear Discriminant Analysis dalam Memprediksi Financial Distress pada Bank Muamalat KCP Sukaramai Periode 2018-2022 Nasution, Syahdinar; Nasution, Muhammad Irwan Padli; Anggraini, Tuti
Studi Akuntansi, Keuangan, dan Manajemen Vol. 4 No. 1 (2024): Juli
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/sakman.v4i1.3398

Abstract

Purpose: This study aims to determine the variables that can predict the financial distress of Islamic banks in Indonesia for the period to 2018-2022. Methodology: This research is quantitative with secondary data types. This study uses the variable (Return On Equity) ROE, (Cash To Deposits) CTD, (Loans To Assets) LTA as its independent variable, while the dependent variable is Financial Distress. The Financial Distress Indicator used in this study is the ROA categorized ratio (return on assets). Results: The results of this study indicate that 2 Independent financial ratio variables can predict financial distress, namely, ROE and CTD. These results are shown from the linear discriminant analysis using the independent variables and from the formation of the discriminant function coefficient values. Limitations: The Financial Distress Indicator used in this study is the ROA categorized ratio (return on assets). The analysis used in this study is a linear discriminant analysis that requires the dependent variable to be in the form of a category and is used to form the coefficient of the discriminant function. Contribution: Purposive sampling was conducted with a total sample of 14 Islamic Commercial Banks. This study is quantitative research with secondary data types.
Penerapan Sistem Bagi Hasil Sebagai Faktor Keputusan Nasabah DalamMenggunakan Jasa Pada Tabungan Dan Deposito Mudharabah Di Bank SUMUT KCP Syariah Simpang Kayu Besar Anggraini, Tuti; Hasibuan, Muthia Hafsari
Innovative: Journal Of Social Science Research Vol. 3 No. 6 (2023): Innovative: Journal Of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

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

Abstract

Pertumbuhan dana pihak ketiga (DPK) perbankan syariah utamanya bersumber dari naiknya simpanan deposito mudharabah yang kemudian disusul oleh tabungan mudharabah dan giro wadiah yang juga mengalami peningkatan, walaupun peningkatan pada giro wadiah tidak sebanding dengan peningkatan yang terjadi pada deposito murabahah dan tabungan mudharabah.Pertumbuhan DPK yang signifikan ini tentunya menimbulkan pertanyaan tentang apa sebenarnya yang menjadi faktor dominan nasabah ketika memilih untuk menggunakan jasa perbankan syariah. Dalam hal ini ada beberapa faktor yang berkaitan dengan pengambilan keputusan oleh si nasabah, yaitu faktor paling dominan terdapat dalam segi bidang pemasaran faktor pemasaran, dimana promosi yang dilakukan oleh pihak bank serta produk-produk yang ditawarkan yang menarik, beragam dan inovatif dan juga bank sendiri dapat memberikan presentase bagi hasil kompetitif yang dapat menarik minat calon nasabah untuk menabung di bank syariah tersebut. dalam hal ini, Akad Bagi Hasil Tabungan Mudharabah merupakan salah satu dari beberapa pilihan tabungan yang disediakan kepada masyarakat oleh Bank Sumut Syariah KCPSimpang Kayu Besar. Bagi hasil (Mudharabah) yang paling banyak diminati oleh nasabah adalah saat ini. Dengan semakin banyaknya perkembangan bank syariah di Indonesia, Kondisi persaingan bisnis perbankan ini mendorong setiap bankir untuk mencari berbagai strategi pelayanan terbaik agar dapat menarik minat investor (nasabah).
Iqra Plus Partner Product Development Strategy in Determining the Orientation of Sharia Life Insurance Market Segmentation Eka Putri Simanjuntak, Febrina; Anggraini, Tuti; Syarbaini, Ahmad Muhaisin B
Golden Ratio of Marketing and Applied Psychology of Business Vol. 5 No. 1 (2025): July - January
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grmapb.v5i1.758

Abstract

Mitra Iqra Plus is one of the products owned by PT. Asuransi Jiwa Syariah Bumiputera, Medan Branch, which aims to help fund children's education. The purpose of this study was to determine the development strategy of Mitra Iqra Plus in the orientation of insurance market segmentation at PT. Asuransi Jiwa Syariah Bumiputera, Medan Branch. This type of research uses qualitative research. Data collection techniques include interviews, observations, and documentation. The results of the study indicate that PT Asuransi Jiwa Syariah Bumiputera, Medan Branch is in accordance with sharia elements, namely it does not contain maysir (gambling), gharar (uncertainty), haram, usury, and bathil. The contracts used at Mitra Iqra Plus are Tabarru contracts, Wakalah bil ujrah contracts, and Mudharabah contracts. The marketing strategy chosen is to use a traditional marketing channel strategy through agents. The goal is to provide the best service and satisfaction to prospective customers.
THE EFFECT OF PRODUCT QUALITY AND PRODUCT DESIGN ON PURCHASING DECISIONS FOR ERSPO JERSEYS FOR THE INDONESIAN SOCCER NATIONAL TEAM WITH FANATICISM AS AN INTERVENING VARIABLE Matondang, Muhammad Haekal; Anggraini, Tuti; Qarni, Waizul
Journal of Business Management Education (JBME) Vol 9, No 3 (2024)
Publisher : Business Education Program of Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/jbme.v9i3.76725

Abstract

This study aims to see the effect of Product Quality and Product Design on Purchasing Decisions for Erspo jersey products for the Indonesian national football team with Fanaticism as mediation. This research uses a quantitative approach with data collection techniques using questionnaires distributed to 100 respondents who buy the jersey, this research was analyzed using Smart PLS 4.0. The results of this study indicate that Product Quality has no effect on Purchasing Decisions, Product Design has no effect on Purchasing Decisions, Fanaticism has an effect on Purchasing Decisions, Fanaticism cannot mediate the impact of Product Quality on Purchasing Decisions, Fanaticism cannot mediate the impact of Product Design on Purchasing Decisions. Which means that consumers do not care about the Product Quality and Product Design, consumers only follow their Fanaticism in supporting the National Team to buy Erspo Jersey products for the Indonesian National Soccer Team.
Al-‘Urf dan Al-‘Adah: Relevansi dan Tantangannya dalam Pembentukan Hukum Ekonomi Islam Alfian, Ian ian; Nurhayati, Nurhayati; Anggraini, Tuti; Riyansyah, Ahmad
Jurnal Hukum Ekonomi Syariah Vol 8, No 2 (2024): Desember 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/j-hes.v8i2.16326

Abstract

This research discusses the relevance and challenges of al-‘Urf and al-‘Adah in the context of rapid fintech development and globalization. Al-‘Urf, the commonly accepted customs within society, and al-‘Adah, local traditional practices, serve as secondary sources of law in Islam that provide flexibility in adapting Sharia law to social and economic changes. The advancement of technology and globalization has created new dynamics in economic practices that do not always align with classical Islamic law. Challenges such as cashless transactions, peer-to-peer lending, and digital investments often require new assessments through the principles of al-‘Urf and al-‘Adah to remain by Sharia. This research uses a qualitative approach through interviews and literature studies to identify the relevance, challenges, and solutions for applying al-‘Urf and al-‘Adah in the digital context. The research findings indicate cross-sector collaboration between scholars, academics, and business practitioners is necessary to establish adaptive Sharia standards. By recognizing new practices that do not contradict Islamic principles, al-‘Urf and al-‘Adah have the potential to strengthen justice and ethics in fintech transactions, as well as support the sustainability of the sharia economy in the global era.
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