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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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Analysis of Opportunities and Risks in Financial Technology Innovation for Islamic Banking in Adapting to the Changing Financial Ecosystem: A Case Study Munthe, Raja Syahrial; Anggraini, Tuti; Harahap, Muhammad ikhsan
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.v5i6.1891

Abstract

This study analyzes the opportunities and risks associated with financial technology (fintech) innovations in Islamic banking, with a specific focus on Bank Syariah Indonesia (BSI) North Sumatra Regional Office. The research is driven by the rapid advancements in fintech, which are reshaping the global financial ecosystem, including the Islamic banking sector. The study aims to evaluate the impact of fintech innovations on BSI's operations and explore strategies to leverage these opportunities while addressing inherent risks. A qualitative case study approach with a descriptive-analytical method was utilized, incorporating primary data from interviews and secondary data from relevant literature. The findings highlight that BSI North Sumatra Regional Office has implemented various fintech solutions that improve operational efficiency and promote financial inclusion. However, challenges persist, particularly in regulatory compliance, cybersecurity, and technological adaptation. The study concludes that a holistic and adaptive strategy is crucial for BSI to effectively integrate fintech innovations and maintain its competitiveness in a dynamic financial ecosystem.
Analisis Klaim Asuransi Pada Produk Brilliance Hasanah Sejahtera dalam Meminimalisir Resiko Jiwa Dan Investasi (Studi Kasus PT. Sun Life Financial Syariah Cabang Medan) Rahmadhani, Anisa; Anggraini, Tuti; Nasution, Muhammad Lathief Ilhamy
Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Vol 4, No 1: 2023
Publisher : LPPM Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/ebma.v4i1.4345

Abstract

This study aims to determine insurance claim procedures and decision making process for insurance claims for Brilliance Hasanah Sejahtera products in minimizing life and investment risks in PT Sun Life Financial Syariah Medan Branch. This type of research uses qualitative research methods. Data collection techniques in this study were carried out by observation, interviews, literature and documentation at PT Sun Life Financial Syariah Medan Branch. The results of this study indicate that the procedure for submitting Brilliance Hasanah Sejahtera insurance claims is not difficult. If a participant submits a claim, first understand the conditions required by Sun Life. And if the participant submits a claim by filling out the form honestly and the completeness of the files is in accordance with PT Sun life's requirements, the claim will be approved and the claims department has a standard claim process of 14 working days for complete every incoming claim with a record that all requirements and documents have been fulfilled. Claims can be postponed if there is a shortage of documents, the company will ask 8participants to complete the data, as a result, claims will be postponed before everything is done complete. But claims can be rejected if irregularities are found, no right, and other causes that are not allowed in insurance.
Pengaruh Ukuran Perusahaan, Umur Perusahan, Rofitabilitas, Leverage, Dan Pertumbuhan Penjualan Terhadap Tax Avoidance Pada Perusahaan Manufaktur Sektor Makanan Dan Minuman Yang Terdaftar Di Bursa Efek Indonesia Periode 2017-2020 Nasution, Aida Fitri; Anggraini, Tuti; Lubis, Arnida Wahyuni
Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Vol 3, No 2: 2022
Publisher : LPPM Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/ebma.v3i2.3154

Abstract

This research will explore the impact of firm size, firm age, profitability, leverage, and sales growth on tax avoidance in food and beverage manufacturing companies listed on the Indonesian stock exchange in 2017-2020. This research is a quantitative research that uses secondary data in the form of financial reports which are accessed through www.idx.ac.id. The research population was 30 manufacturing companies in the food and beverage sector and the research sample was 14 companies obtained using the purposive sampling method for 4 years so that the number of samples was 56 observational data. The data analysis technique used is panel data regression analysis with Fixed Effect Model estimation which is tested using Eviews 9. The results show that, firstly, firm size has no effect on tax avoidance so that Companies with high or low total assets have not been able to guarantee that the company will take tax avoidance actions or not. Both, firm age have an effect on tax avoidance this means that companies that experience aging and have long operational times have experience in carrying out tax avoidance actions, so that company size can influence companies to take tax avoidance actions. Third, profitability has no effect on tax avoidance this means that companies that have high or low profitability cannot guarantee that profit before tax causes companies to take tax avoidance actions or not. The four, leverages have no effect on tax avoidance, this means that high or low debt both have high risks, so companies will tend to avoid other major risks to avoid taxes. The five, sales growth has an effect on tax avoidance, this means that the size of the company's sales level will increase the company's profit or profit, so that the tax to be imposed will also increase, therefore the company will tend to take tax avoidance actions. The six, company sizes, company age, profitability, leverage, and sales growth simultaneously affect tax avoidance, So that together,  high or low independent variables can influence companies to take tax avoidance actions.
Strategi Agen BSI Smart Dalam Memberikan Layanan Kepada Masyarakat Pedesaan (Studi Kasus di Kecamatan Babussalam Kabupaten Aceh Tenggara ) Salsabila, Raisya; M Nawawi, Zuhrinal; Anggraini, Tuti
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 8 No 3 (2024): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v8i3.27854

Abstract

This research explores the role of BSI Smart agents as an extension of BSI in increasing the accessibility of banking services for communities in remote areas. By using field research methods and a qualitative approach, this research also uses SWOT analysis by looking for weaknesses, strengths, opportunities and threats in the presence of BSI SMART Laku Pandai. This research finds that BSI Smart makes financial transactions easier, provides easy services, and reaches a wider community. Apart from that, BSI Smart also provides business opportunities for agents to earn additional income. The presence of BSI Smart agents also provides financial literacy education to the public, improving their ability to manage personal finances, reducing economic risks and improving overall quality of life.
Analisis Crowdfunding Syariah Berdasarkan Prinsip Syariah Compliance Serta Implementasinya Dalam Produk Perbankan Syariah (Studi Kasus Bank Muamalat) Lestari, Aprilia; Indra, Ahmad Perdana; Anggraini, Tuti
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 8 No 3 (2024): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v8i3.27949

Abstract

This research aims to analyze the application of sharia crowdfunding in the context of sharia compliance principles and its implementation in sharia banking products with a case study at Bank Muamalat. Sharia crowdfunding, as an alternative method of funding in accordance with sharia principles, offers the opportunity to accumulate various projects or businesses while still complying with the prohibitions on usury, gharar and maisir. This research discusses the application of sharia principles in sharia crowdfunding managed by Bank Muamalat, as well as how to integrate and implement this product in their sharia banking portfolio. The research methodology uses a qualitative approach with data analysis from internal bank reports, interviews with related parties, and literature studies on sharia principles and crowdfunding practices. The research results show that although sharia crowdfunding provides an innovative alternative. The main problems identified include late payments, defaults on projects, and difficulties in maintaining strict sharia compliance. This research recommends improvements in sharia monitoring mechanisms, sharpening operational guidelines, and training for sharia crowdfunding managers to ensure better and more effective products in meeting customer needs and sharia objectives.
Analisis Penyelesaian Complaint Handling pada Pelayanan Sistem Operasional di BSI KCP Cemara Asri Puspita, Windy; Nurwani, Nurwani; Anggraini, Tuti
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 8 No 3 (2024): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v8i3.28917

Abstract

This research aims to determine the resolution of complaint handling at BSI KCP Cemara Asri. This research uses a descriptive qualitative research method that uses primary data and secondary data as sources of research data. The subject of this research is customer service at BSI KCP Cemara Asri. And the data collection techniques used were interviews and literature studies. This research found that the completion of complaint handling at BSI KCP Cemara Asri was carried out by customer service using a complaint handling resolution mechanism, namely carrying out standard service initiation, listening to customer complaints, saying apologies, asking customers for the chronology of complaints that occurred, verifying customer data, provide solutions to customers, ask customers to fill out a complaint form, and finally carry out standard service terminations. In completing complaint handling at BSI KCP Cemara Asri, there are supporting and inhibiting factors. So strategies need to be implemented to minimize the occurrence of customer complaints. So, to minimize the occurrence of customer complaints at BSI KCP Cemara Asri, what customer service must do in resolving complaint handling is to implement excellent service, namely providing information or explaining the products or services used by customers as well as explaining how to use the BSI Mobile application and Its function is so that later if a complaint occurs that is still relatively easy, the customer can resolve it themselves. So that it can minimize the occurrence of customer complaints in the future or similar complaints to these customers.
Makna Simbol Upacara Kematian: Suntiang Bungo Sanggua dan Saluak Anggraini, Tuti; Fitriani, Erda; Amri, Emizal
SOCIUS Vol 7 No 1 (2020): Jurnal Socius: Journal of Sociology Research and Education, Universitas Negeri Pa
Publisher : Labor Jurusan Sosiologi Fakultas Ilmu Sosial Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/scs.v7i1.179

Abstract

Artikel ini membahas tentang makna simbol pada upacara kematian masyarakat Nagari Salayo Kecamatan Kubung Kabupaten Solok, Sumatera Barat. Masyarakat Minangkabau yang beragama Islam melaksanakan prosesi upacara secara Islam seperti memandikan, mengkafani, menshalatkan dan menguburkan, akan tetapi di dalam pelaksanaan prosesi upacara kematian yang dilaksanakan masyarakat suatu nagari memiliki keunikan tertentu seperti halnya masyarakat Nagari Salayo. Pada saat mayat berada di dalam rumah dipakaikan suntiang bungo sanggua untuk mayat perempuan atau saluak untuk mayat laki-laki di bagian kepala. Simbol yang ada dalam upacara kematian dianalisa dengan teori interpretivisme simbolik oleh Clifford Geertz. Hasil penelitian ini mengungkapkan makna simbol yang ada dalam upacara kematian adalah penghormatan bagi orang yang meninggal, sebagai tanda orang beradat, hubungan kekeluargaan yang erat, dan solidaritas sosial.
INOVASI POTENSI DESA DALAM PENGEMBANGAN PRODUK ANTI NYAMUK BERBAHAN ALAMI UNTUK MENINGKATKAN KESEJAHTERAAN KOMUNITAS DESA Anggraini, Tuti; Olivia Ningrum, Natasya; Pulugan, Riziq Ahmad; Ayunda, Afrila; Multa Nasution, Darwin
Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital Vol. 1 No. 3 (2024): September
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70248/jpmebd.v1i3.1333

Abstract

Tujuan dari pengabdian ini adalah untuk mengidentifikasi potensi serai sebagai bahan baku produk anti-nyamuk, menganalisis proses inovasi yang diperlukan, dan mengevaluasi dampak sosial serta ekonomi dari penerapan produk ini di tingkat desa. Serai dikenal dengan kandungan citronella yang efektif mengusir nyamuk, menawarkan alternatif yang lebih aman dibandingkan produk kimia sintetis. Metode yang digunakan dalam pengabdian ini mencakup proses inovasi, mulai dari ekstraksi citronella hingga formulasi produk, dengan fokus pada penerapan di desa dengan sumber daya terbatas. Hasil pengabdian menunjukkan bahwa pemanfaatan serai sebagai bahan anti-nyamuk tidak hanya efektif dalam mengatasi masalah nyamuk, tetapi juga memiliki potensi besar untuk meningkatkan kesejahteraan komunitas desa melalui penciptaan lapangan kerja dan peningkatan pendapatan. Kesimpulan dari pengabdian ini menegaskan bahwa dengan pendekatan inovatif dan dukungan yang memadai, produk berbasis serai dapat menjadi model untuk pengembangan produk berbahan alami lainnya di desa-desa dengan karakteristik serupa di Indonesia dan wilayah tropis lainnya. Kata Kunci: Serai, Produk Anti-Nyamuk, Inovasi Lokal, Potensi Desa, Kesejahteraan Komunitas
Pengaruh Pengalaman Nasabah Dalam Penggunaan MBanking Terhadap Loyalitas Nasabah Bank Syariah Indonesia (Studi Kasus Masyarakat Sei Mencirim) Syahira, Tira; Indra, Ahmad Perdana; Anggraini, Tuti
Jurnal Ilmiah Ekonomi Islam Vol 10, No 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.13347

Abstract

The purpose of this research is to determine whether a company's ability to retain its current customers is more important than its ability to acquire new customers. BSI wants to increase customer satisfaction and service quality by growing customer loyalty through mobile banking. Even though many BSI clients already have BSI Mobile, not all of them make full use of it. Therefore, the level of customer loyalty when using BSI Mobile is not too high. This is based on consumer interviews with BSI mobile banking users which show that consumers often decide to make transactions via BSI Mobile. The reason is that BSI Mobile is more user friendly and convenient; all you need is a smartphone to use it anytime, anywhere. For customers who decide not to use BSI Mobile for transactions due to lack of security, increased vulnerability to fraud, and ease of hacking. The aim of this research is to analyze and assess how customer experience and service quality influence BSI mobile banking customer loyalty, both partially and simultaneously. A quantitative approach was used in this research. This data was collected through survey research techniques on BSI customers who use mobile banking services. Customer loyalty and service quality in BSI mobile banking are positively and significantly influenced by customer experience, according to research findings
Systematic Literature Review (Slr): The Effect Of Appraisal Value On Customers' Decisions To Use Gold Pawn Services Andini Al Khoiri, Putri; Nawawi, Zuhrinal M; Anggraini, Tuti
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 8, No 3 (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.v8i3..10890

Abstract

Pawning gold is a popular alternative source of funding in Indonesia. However, a customer's decision to use gold pawning services is influenced by various factors, including the estimated value. This study's goal is to perform a Systematic Literature Review (SLR) in order to determine how the projected value affects consumers' choices when it comes to utilizing gold pawn services. The Systematic Literature Review (SLR) approach is the research methodology employed in journals published between 2020 and 2023. This research method uses SLR by searching for relevant articles from academic databases, such as Google Scholar, Scopus, and Web of Science. The selected articles must meet the inclusion criteria, namely articles that discuss the influence of the estimated value on customers' decisions in using gold pawning services. The research findings indicate that customers' decisions to use gold pawn services are significantly influenced by the assessed value. A high estimated value can boost client confidence in gold pawn services and encourage more people to use them. On the other hand, a low assessed value may make users less trusting of the service and less likely to use it.
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