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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 Risiko Pembiayaan Bagi Hasil Dengan Menggunakan Metode Risk Adjusted Return On Capital (RAROC) Pada Bank Pembiayaan Rakyat Syariah (BPRS) Di Indonesia Periode 2016-2022 Supardi, Supardi; Anggraini, Tuti; Nasution, Muhammad Lathief Ilhamy
SEIKO : Journal of Management & Business Vol 6, No 2.1 (2023)
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v6i2.5223

Abstract

Penelitian ini dilakukan untuk menilai risiko yang timbul dan yang akan dihadapi oleh Bank Pembiayaan Rakyat Syariah (BPRS) di Indonesia periode 2016-2022 dengan menggunakan metode analisis data Risk Adjusted Return On Capital (RAROC) dan pengolahan data menggunakan Ms. Excel. Dalam penelitian ini menggunakan data sekunder yang diambil dari laporan keuangan bulanan Statistik Perbanakan Syariah yang dipublikasikan di website resmi Otoritas Jasa Keuangan. Hasil penelitian ini menunjukkan nilai RAROC pada BPRS di Indonesia secara berturut-turut selama periode 2016-2022 sebesar 8,67, 22,67, 17,21, 48,89, -1,00, -36,22, -1,54. Nilai RAROC yang positif pada tahun 2016-2019 pada BPRS mengindikasikan bahwa BPRS memiliki manajemen risiko yang baik. Hal ini bisa dilihat dari tingkat RAR yang positif dan lebih besar daripada RC. Sedangkan nilai RAROC yang negatif pada tahun 2020-2022 mengindikasikan terdapat potensi kerugian akibat pendapatan yang diterima lebih kecil dibandingkan dengan kerugian yang diharapkan karena nilai RAR negatif, ini menandakan risiko tersebut berpotensi menggerus modal pada BPRS di Indonesia jika kerugian menjadi kenyataan Kata Kunci: BPRS, Risiko Pembiayaan Bagi Hasil, RAROC
THE INFLUENCE OF SHARIAH COMPLIANCE AND CUSTOMER PERCEPTION ON THE DECISION TO SAVE MUDHARABAH SAVINGS PRODUCTS AT BANK SYARIAH INDONESIA Rizqiyah, Anisah; Anggraini, Tuti; Indra, Ahmad Perdana
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 1: January - March 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i1.29493

Abstract

The integrity and credibility of Islamic banks are highly dependent on compliance with Islamic principles. Non-compliance can lower public trust and affect their decision to use Islamic banking services. In addition, people's perceptions and attitudes influenced by their understanding also play an important role in the decision to save or use Islamic bank products. This research intends to analyze the influence of Shariah Compliance and Customer Perception on the decision to save mudharabah savings products for the gift party. This research uses quantitative research techniques with field research methods. The total population is 37 people, namely customers of Bank Syariah Indonesia KC Medan Ahmad Yani who have saved and used Mudharabah Savings products for Gift Parties and all pupulations are used as samples. Data collection techniques with questionnaires. The data was analyzed using the SPSS application version 27. The results of the study show that Sharia Compliance and Customer Perception together (simultaneously) have a positive and significant influence on Saving Decisions. This is evidenced by the value of F calculated 44.649 F table 3.28 and the probability of significance 0.000 0.05.
The Effect Of Production Costs And Operational Costs On Net Profit Of Jamu Dapoer Niswah Medan Marelan District Putri, Sri Eka; Anggraini, Tuti; Nurwani
Journal of Management, Economic, and Accounting Vol. 2 No. 2 (2023): Juli-Desember
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v2i2.187

Abstract

This study aims to determine the effect of production costs and operating costs on net income partially and simultaneously. This type of research is quantitative research with an associative approach. The location of this research is UMKM Jamu Dapoer Niswah, Medan Marelan District. The data used is secondary data. Secondary data in this study is in the form of profit and loss statements for 2020 – 2022. The population and research sample totaled 36 months, starting from January 2020 to December 2022 using a saturated sampling technique. The analytical method used is descriptive statistical analysis, normality test, multicollinearity test, heteroscedasticity test, autocorrelation test, multiple linear regression test, partial significant test (t statistical test), simultaneous significant test (F statistical test) and R2 test (coefficient of determination). by using SPSS 25 software. The results showed that (1) The test results showed that the production cost variable obtained a t-count value of 3.021 ≥ t-table of 1.68830 and a significance value of 0.005 ≤ 0.05. Therefore it can be concluded that the production cost hypothesis has a positive and significant effect on net income. (2) The test results show that the operational cost variable has a t-count value of 8.477 ≥ t-table 1.68830 and a significance value of 0.000 ≤ 0.05. Therefore, it can be concluded that the production cost hypothesis has a positive and significant effect on net income. (3) The test results show that the variable production costs and operational costs obtain an F-count value of 3095.702 ≥ F-table 3.28 and a significant value of 0.000 ≤ 0.05, it can be concluded that the variable production costs and operating costs simultaneously significant effect on net income.
Kaidah Kebahasaan Terkait Praktik Ekonomi Islam Siswadi, Yudi; Asmuni; Anggraini, Tuti
Jurnal Landraad Vol. 1 No. 1 (2022): Edisi Maret 2022
Publisher : Jurnal Landraad

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Abstract

The Qur'an and Sunnah are the main sources of Islamic law. Islamic law is not only limited as a human abstraction of the reality of society in the occurrence of social order for humans themselves, but rather God's rules for humans. The device to be able to withdraw the law and legal sources is called ijtihad. Allah Subhanahu Wata'ala has revealed the Qur'an in Arabic, as well as the Prophet Muhammad sallallaahu 'alaihi wasallam understood, practiced and gave explanations using Arabic. Thus, one of the most important tools of ijtihad is the rule of law. Related to the economy in the development of science and technology, in the modern era there has been a shift in terms of the form and model of transactions in the financial sector. One side of this change can be seen from the emergence of digital transactions. The development of science and technology has caused several changes in the models and forms of transactions that occur today. These include the presence of bank and non-bank financial institutions, stock exchanges, Islamic financial products, digital transactions and so on. As agreed by the scholars that the Koran and the Sunnah are the main sources of Islamic law. On the other hand, the Quran was revealed in Arabic and its explanations are in Arabic. So one of the important tools that must be mastered by a reviewer of Islamic law is the mastery of the rules of the Arabic language.
Signifikansi Al-Hukm, Al-Hakim, Al- Mahkum fih dan Al Mahkum 'alaih Julita; Asmuni; Anggraini, Tuti
Jurnal Landraad Vol. 1 No. 1 (2022): Edisi Maret 2022
Publisher : Jurnal Landraad

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Abstract

Analysis of the Ability Level of MSME Entrepreneurs in Accessing Sharia Banking Financing at Bank Syariah Indonesia KC Lubuk Pakam Fili, Nada Sausan Adha; Anggraini, Tuti; Daulay, Aqwa Naser
Journal of Economics and Management Scienties Volume 7 No. 3, June 2025
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/jems.v7i3.157

Abstract

SMEs play an important role in the national economy, but their access to financing from financial institutions, especially Islamic banking, still faces various obstacles. The low level of financial inclusivity, the complexity of administrative procedures, and limited infrastructure are the main obstacles. This study aims to describe and analyze the level of capability of MSME entrepreneurs in accessing sharia banking financing at Bank Syariah Indonesia (BSI). The approach used is descriptive qualitative with a survey method involving 20 respondents selected through purposive sampling. Data were collected through closed questionnaires with a five-point Likert scale and analyzed descriptively. The research results indicate that although BSI provides various Sharia financing products, there are still obstacles faced by MSME actors, such as a lack of understanding of the products, complex administrative procedures, and limited infrastructure and services. The dominance of female respondents also indicates the need for special attention to improving financial inclusivity for women in business management. This study recommends enhancing financial education, simplifying procedures, and strengthening infrastructure and services so that access to Sharia financing for MSMEs can be more inclusive and sustainable.
Growth Acceleration Strategy Sharia Regional Development Banks (BPD) In Indonesia Irmayani; Anfa, Sugianto; Anggraini, Tuti
Quantitative Economics and Management Studies Vol. 5 No. 4 (2024)
Publisher : PT Mattawang Mediatama Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.qems2796

Abstract

This study aims to formulate the core problem by choosing what is the best strategic alternative that can be taken by Islamic business units to accelerate the growth of the Islamic banking industry. By exploring aspects of internal and external problems. Then the solution from internal and external of various acceleration strategies based on expert opinion related to the phenomenon of the researcher's problem. This research methodology is descriptive qualitative with a quantitative approach and research using ANP (Analytic Network Process) analysis tools. In this study using experts totaling 5 people consisting of academics, practitioners and regulatory experts. The results of this study indicate that: 1). There are two main problems, namely external and internal problems. The most prioritized problem in determining the acceleration strategy is the external problem with an average combined value of 53%, while for the W (Rater Agreement) value of all respondents is 0.36. The most prioritized external problem is the problem of local government support with an average value of 35% with a Rater Agreement of all respondents of 0.64, while the priority problem in internal problems is the problem of capital. 2) for the most prioritized solution, namely the external solution with a combined average value of 54%, while for the W (Rater Agreement) value of all respondents is 1. In the most prioritized external solution, namely local government support, the W (Rater Agreement) value is 0.84. With an average value of 35%. 3. The most prioritized strategy is conversion with an average value of 26%, while for the marger, spin off and acquisition strategies it is around 25%, with a W (Rater Agreement) value of 0.46, meaning that the answers of the respondents have moderate agreement.
Analysis of Islamic Bank Marger Policy in the Profitability Level of Indone-sian Islamic Bank, Kutacane Branch Office Hafizah, Raisya; Anggraini, Tuti; Inayah, Nurul
LEGAL BRIEF Vol. 14 No. 2 (2025): June: Law Science and Field
Publisher : IHSA Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/legal.v14i2.1302

Abstract

This study aims to analyze the influence of merger policy on bank profitability levels with a case study at Bank Syariah Indonesia (BSI) Kutacane Branch Office. Since the merger of several national Islamic banks into one entity, namely BSI, there have been various changes in both operational and financial performance. One important indicator that is the focus of attention is profitability, which is measured by Return on Assets (ROA), Return on Equity (ROE), and profit margin. This study uses a quantitative approach with descriptive and comparative analysis methods. Data were taken from the financial statements of BSI KC Kutacane before and after the merger, and analyzed using a comparative method. The results of the study indicate that there are significant changes in the level of profitability post-merger. Factors such as operational efficiency, increasing the number of customers, and synergy between business units contribute to increased profitability. However, challenges in adjusting management and system integration also have a temporary impact on several financial indicators. The conclusion of this study shows that the merger policy has a positive impact on long-term profitability, although it requires adjustment and good management in the early stages after the merger. The recommendation given is to increase the focus on optimizing services and managing risks to maintain a positive trend in profitability in the futur
The Influence of Lifestyle and Financial Planning on Islamic Stock Investment Decisions in a Digitally Mediated Environment Djunaidi, Zikri Habibi; Imsar, Imsar; Anggraini, Tuti
Journal of Social Commerce Vol. 5 No. 1 (2025): Journal of Social Commerce
Publisher : Celebes Scholar pg

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56209/jommerce.v5i1.157

Abstract

The speeding up of the digitalization of financial life that accompanies a rising cultural discourse about ethical investment is transforming the habits that shape the economic decisions of young Muslims. The current research examines how Islam stock investment could be impacted by lifestyle preferences and individual financial planning of student at the State Islamic University of North Sumatra (UINSU) relative to Jakarta Islamic Index (JII). Using a quantitative research approach on Structural Equation Modeling- Partial Least Squares (SEM-PLS) students investors active securities accounts were sampled and 94 student investors were selected. The results indicate that both lifestyle and financial planning influence investment decisions positively and independently of each other and lifestyle has a stronger effect in predicting investment decision. These findings indicate that approval of financial behavior of students is not a matter of systematic planning or technical literacy; there are extensive rationales on the basis of social identity, aspiration norms, and daily practices. In this environment, investment is identified as a mode of defining ethical orientation, social spot, and future intention, and not expressed as a pure economic concept. The study sets Islamic investing in the real world of digitally connected and religiously minded youngsters, enhancing the interpretation of behavioral finance in faith-related situations. It points a finger towards educational and institutional paradigms that take the financial decision-making beyond transactional competence, to cover ethical, cultural and social aspects of financial decision-making.
Analysis Of Grab Driver Partner Insurance Claim Procedure In Handling Driving Accidents Ariski, Martogi; Anggraini, Tuti; Nurbaiti, Nurbaiti
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 9, No 2 (2025): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v9i2.12556

Abstract

This study aims to analyze the insurance claim procedures provided by Grab for its driver partners in managing accidents and medical expenses. The focus of this research is to understand the actual procedure for filing claims, the obstacles encountered, and how this procedure helps drivers cope with the financial impact of accidents. A qualitative approach was used through in-depth interviews with several driver partners who have filed insurance claims. The findings show that although Grab's claim procedure is designed to be completed within a minimum of 1x24 hours with complete data, in reality, the process is often delayed due to additional requirements and inconsistencies in designated referral hospitals. These issues hinder the smooth handling of claims. Based on these findings, it is recommended that Grab improve socialization about the claim procedure, simplify the required documents, and reevaluate the referral system to ensure faster claim settlements. This research is expected to contribute to improving the effectiveness and practicality of insurance claim procedures for Grab driver partners in the ride-hailing industry.
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