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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 International Journal of Multidisciplinary Research of Higher Education (IJMURHICA) 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 The Implementation Of Internal Audit, Risk Management, And Customer Eligibility In Minimizing Problems In Financing Risks At Bank Sumut Syariah Kcp Kisaran Alfarezzi, Ahmad; Sugianto, Sugianto; Anggraini, Tuti
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 8, No 1 (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.v8i3.10827

Abstract

This study aims to determine "Analysis of the Application of Internal Audit, Application of Manajemen Resiko and Analysis of Customer Feasibility in Minimizing the Risk of Problematic Financing at Bank Sumut Syariah KCP Range". This research was conducted at Bank Sumut Syariah KCP Kisaran. The method in this study uses qualitative methods in the form of data research (field research). The results of this study are that Bank Sumut Syariah KCP Kisaran has implemented risk management through internal audits, the implementation of risk management by Bank SUmut Syariah KCP Kisaran covers all activities in the bank and the feasibility analysis of customers used at Bank Sumut Syariah using the 5C principle.
Analysis Of The Cooperation Results Sharing System Between Palm Oil Plantation Workers And Garden Owners According To An Islamic Economic Perspective, Case Study In Sei District. Asahan District Chief Jihan, Siti; Anggraini, Tuti; nasution, Muhammad Latif Ilhamy
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..10862

Abstract

This study aims to analyze the profit sharing system in cooperation between workers in oil palm plantations and plantation owners, taking into account the perspective of Islamic economics. The research method used is field research that uses descriptive qualitative research methods. Production sharing cooperation agreements between labor and oil palm plantation owners are common practices that regulate work relationships and the distribution of production results. Production sharing cooperation agreements are a common practice that regulates labor relations and the distribution of production results in the palm oil industry in Sei Kepayang. The agreement is an agreement between the landowner and the land manager. Where the land manager provides halan and equipment while the land manager works on the land that is entrusted properly. In this case, the landowner is responsible for bearing losses if there is damaged equipment and other mistakes that are not caused by the negligence of the land manager. The weakness in the profit-sharing system in Sei Kepayang Sub-district is that there is no recording in the profit-sharing cooperation carried out. All agreements are only carried out in the form of a written agreement, namely an agreement in the mouth or only verbally, so that the agreement has weaknesses in terms of legal force. In the implementation of cooperation between migrant workers and plantation owners in Sei Kepayang, the view of Islamic economics refers to the main principles contained in Islamic law, namely the principle of balance, the principle of divinity, the principle of morals, and the principle of balance. This aims to ensure that this cooperation aims to improve the level of welfare for all parties involved, and not only to obtain large profits.
Analisis Pandangan Masyarakat Terhadap Perbankan Syariah Rizqiyah, Anisah; Maysarah, Maysarah; Vanessa, Vanessa; Anggraini, Tuti
Jurnal Ekonomi Manajemen Perbankan Vol 6 No 1 (2024): JEMPER Januari - Juni
Publisher : Prodi Manajemen S1 dan D3 Keuangan & Perbankan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32897/jemper.v6i1.2991

Abstract

Payageli village hamlet 1 is a village in Deli Serdang with a majority Muslim community. However, most Muslims in this village still do not understand sharia-based banks. Sharia banks are commercial institutions whose function is to collect public money and distribute money to the public with commercial operational systems and mechanisms based on Islamic law specified in the Al-Quran and Hadith. This research aims to provide information regarding the views of the village community regarding sharia banking. This research uses a qualitative method using a descriptive approach. Data collection in this research used observation, interviews, documentation and questionnaires. The conclusion of this research shows that the Payageli village community is aware of the existence of sharia banks. However, the people in this village still lack knowledge about the products and services available at sharia banks and there is a lack of education about sharia banking so that the people in this village are comfortable with conventional banks.
Strategic Management of Akad Salam and Istishna in e-Commerce Transactions: A Case Study of Unit-business Pesantren Manik, M. Rikwan ES.; Asmuni, Asmuni; Anggraini, Tuti
Idarah: Jurnal Pendidikan dan Kependidikan Vol. 7 No. 1 (2023): Idarah: Jurnal Pendidikan dan Kependidikan
Publisher : Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/idarah.v7i1.458

Abstract

Abstract: This study aims to investigate the e-commerce transaction management models of Akad Salam and Istishna in Pesantren (Islamic boarding institutions). Additionally, the study identifies challenges and opportunities within Pesantren organizations. It investigates Pesantren's potential to utilize e-commerce as a business unit facilitator. The research employs a qualitative methodology and a case study design. The five information sources consist of Pesantren leaders, coordinators of Pesantren business units, Pesantren treasurers, and the secretariat team. The findings suggest that Pesantren have a significant opportunity to leverage e-commerce for transactions based on the Akad Salam and Istishna principles. However, obstacles and the need for public education regarding these principles must be overcome. For the successful implementation of Akad Salam and Istishna in Pesantren e-commerce transactions, awareness, a precise understanding of legal and Shariah aspects, and the implementation of the appropriate technology are crucial. Pesantren must implement a comprehensive and unified strategy for managing Akad Salam and Istishna in e-commerce transactions in order to surmount these obstacles and capitalize on these opportunities. Abstrak: Tujuan penelitian untuk mengetahui model manajemen Akad Salam dan Istishna dalam Transaksi e-Commerce di Pesantren. Selain itu, penelitian ini juga mengidentifikasi tantangan dan Peluang pada Organisasi Pesantren. Penelitian ini menggali potensi pesantren dalam memanfaatkan e-commerce sebagai fasilitator penunjang unit usaha pesantren. Pendekatan ini berjenis kualitatif dengan teknik studi kasus. Sumber informan berjumlah lima orang yang terdiri dari pimpinan pesantren, koordinator unit usaha pesantren, bendahara pesantren dan tim kesekretariatan pesantren. Hasil penelitian menunjukkan Pesantren memiliki potensi yang besar untuk memanfaatkan e-commerce dalam transaksi berbasis akad Salam dan Istishna. Namun, tantangan dan kebutuhan pendidikan masyarakat terkait prinsip-prinsip tersebut harus diatasi. Kesadaran, pemahaman hukum dan syariah yang tepat, serta penerapan teknologi yang tepat menjadi faktor penting dalam keberhasilan implementasi akad Salam dan Istishna dalam transaksi e-commerce di pesantren. Dalam rangka mengatasi tantangan dan memanfaatkan peluang tersebut, pendekatan yang komprehensif dan terintegrasi dalam manajemen akad Salam dan Istishna dalam transaksi e-commerce di pesantren perlu diterapkan.
THE INFLUENCE OF BRAND IMAGE, PRODUCT QUALITY, AND SERVICE QUALITY ON CONSUMER SATISFACTION OF MIE GACOAN ON THE PEOPLE OF MEDAN CITY Bayani, Luthfiah Nur; Anggraini, Tuti; Rahma, Tri Inda Fadhila
SULTANIST: Jurnal Manajemen dan Keuangan Vol. 12 No. 2 (2024)
Publisher : Sekolah Tinggi Ilmu Ekonomi Sultan Agung Pematangsiantar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37403/sultanist.v12i2.687

Abstract

Consumer satisfaction is an important aspect for a company to be able to maintain its image to the wider community for the sake of its business sustainability. This needs to start by providing the best quality from physical and non-physical aspects which will then create a separate experience in the minds of consumers in experiencing the product. The purpose of this study is to determine the influence of brand image, product quality, and service quality on consumer satisfaction of Mie Gacoan in the people of Medan City. This type of research is quantitative. The sample measurement used the Lemeshow formula and a sample of 96 respondents was obtained. The data processing process was carried out by taking data from a google form questionnaire and then analyzed using SEM techniques in the SmartPLS 3.0 application. The results obtained from this study show that: Brand image variables have no effect and are not significant to consumer satisfaction. The product quality variable has a positive and significant effect on consumer satisfaction. And the service quality variable has a positive and significant effect on consumer satisfaction. For better business development, companies must be active in providing their best strategies and pay attention to consumer desires to create consumer satisfaction for their products.
The Influence of Financial Literacy on The Behavior of Civil Servants in Choosing Pension Financing in Syariah Banks Purba, Rendi; Indra, Ahmad Perdana; Anggraini, Tuti
Tadbir : Jurnal Studi Manajemen Pendidikan Vol. 6 No. 2 (2022)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jsmp.v6i2.12393

Abstract

There are quite a few new entrepreneurs who are entering retirement, whose entrepreneurial decisions are motivated by many reasons, ranging from unpreparedness of pension funds, activities in old age, to the existence of business opportunities. However, funding problems are a common initial problem. Therefore, there are many ways to start a business. One of them is bank financing. This study aims to test the influence of bank financial literacy and marketing policies on pension financing decisions in Islamic banks. Data were collected through objective sampling from 30 civil servants who were interviewed. The research method used is quantitative (Informal). In testing the hypothesis, SPSS is used as a data analysis tool. The results showed that economic literacy influenced the behavior of 54.6% of civil servants, while the rest were influenced by other variables. This research contributes to the literature on financial literacy and its impact on financial decision-making within the context of Sharia banking. The results underscore the importance of enhancing financial literacy programs targeted at civil servants to improve their financial choices and promote the growth of Sharia banking products. Recommendations for policymakers and financial institutions are provided to facilitate better financial education and support for civil servants in their pension planning.
Analisis Sistem Informasi Akuntansi Pembelian Dan Penjualan Pupuk Subsidi Pada Pt Matahari Agri Bersama (studi kasus di PT Matahari Agri Bersama) Situmorang, Harudini Nizar; Nasution, Yenni Samri Juliati; Anggraini, Tuti
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 8 No 1 (2025): Artikel Riset Januari 2025
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v8i1.1959

Abstract

Studi ini berfokus pada analisis penerapan sistem informasi akuntansi dalam transaksi pembelian dan penjualan pupuk bersubsidi di perusahaan PT Matahari Agri Bersama. Topik penelitiannya adalah PT Matahari Agri Bersama. Jenis data yang digunakan adalah deskriptif dan kualitatif, dan analisisnya dilakukan dengan menggunakan metode triangulasi. Berdasarkan hasil survei, meskipun masih terdapat kekurangan, namun sistem informasi akuntansi pembelian dan penjualan pupuk tambahan yang diterapkan di PT Matahari Agri Bersama secara umum sudah diterapkan dengan sangat baik dan sangat lengkap, memenuhi kebutuhan perusahaan. Hasil penelitian menunjukkan bahwa sistem informasi akuntansi penjualan yang diterapkan oleh perusahaan telah memenuhi berbagai aspek yang relevan, sementara sistem informasi akuntansi untuk pembelian dan penjualan juga telah diimplementasikan dengan efisien.
RESOLVING FINANCING PROBLEMS WITH RESTRUCTURING OF MURABAHAH FINANCING DURING THE COVID-19 PANDEMIC AT PT. SUMUT BANK (SHARIAH BUSINESS UNIT) Fadillah, Muhammad Aris; Anggraini, Tuti; Inayah, Nurul
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8, No 1 (2024): IJEBAR : Vol. 8, Issue 1, March 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i1.12664

Abstract

This research aims to analyze howresolving problematic financing by restructuring murabahah financing during the Covid-19 pandemic at PT. Bank Sumut (Sharia Business Unit).This research uses a qualitative type of research with a case study approach using data collection techniques through observation and interviews with related parties from Bank Sumut. The results of the research show that the practice of restructuring murabahah financing at Bank Sumut is carried out as an effort to rescue problematic financing. When viewed from POJK, especially POJK 48, the implementation of restructuring shows several important points that banks must pay attention to. Bank Sumut has guidelines for determining debtors affected by COVID-19. Apart from that, the restructuring implementation takes into account the MUI DSN Fatwa No. 47,48,49, regarding the resolution of problematic murabahah financing, the absence of additional costs and contract conversion Keywords: Problematic Financing, Restructuring, Murabahah Financing, Covid 19
ANALYSIS OF FACTORS INFLUENCING THE REALIZATION OF MURABAHAH FINANCING FOR MICRO AGRIBUSINESS ENTERPRISES IN THE TRADE SECTOR (CASE STUDY AT BMT AL-AKBAR, DELI SERDANG DISTRICT) Siregar, Pardamean; Anggraini, Tuti; Inayah, Nurul
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8, No 1 (2024): IJEBAR : Vol. 8, Issue 1, March 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i1.12663

Abstract

Micro businesses have an important role in employment absorption and gross domestic product (GDP). The problem often faced by micro businesses is the difficulty of obtaining loans from banks. Sharia Microfinance Institutions (LKMS) are an alternative source of financing. Baitul Mal wat Tanwil (BMT) Al-Akbar is a sharia microfinance institution that provides micro business financing through murabahah financing. This research aims to analyze the factors that influence the realization of murabahah financing through customer characteristics. The sampling method was carried out using convenience sampling and the number of samples used was 40 people. The collected data was processed using multiple regression. The research results show that the significant factors are length of education, length of business, net business income for one month and collateral. Keywords: Agribusiness, Customer Characteristics, Realization Of Murabahah Financing, Multiple Regression, Micro Businesses
THE EFFECT OF PRICE DISCOUNT, BONUS PACK AND INSTORE DISPLAY ON IMPLUSE BUYING (CASE STUDY AT SUZUYA MALL MARELAN) Dewi, Cindy Kumala; Anggraini, Tuti; Rahma, Tri Inda Fadhila
Jurnal Apresiasi Ekonomi Vol 13, No 1 (2025)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31846/jae.v13i1.914

Abstract

Modern retail stores are currently competing to provide the best service to attract more customers. One example is Suzuya Mall. Promotions are carried out for all products offered with various methods, such as price discounts, bonus packs and instore displays. The purpose of this study was to analyze the effect of price discounts, bonus packs, instore displays on impulse buying. On consumers at Suzuya Mall Marelan. Using a sample of 100 respondents and obtained using the Slovin Technique. With the data collection used in this study is a questionnaire. The results of the study showed that the price discount variable (X1) has a positive and significant effect on the impulse buying variable (Y) with a p-value of 0.014 (a=0.05). The bonus pack variable (X2) has a positive and significant effect on the impulse buying variable (Y) with a p-value of 0.000 (a=0.05). The in-store display variable (X3) has a positive and significant effect on the impulse buying variable (Y) with a p-value of 0.025 (a=0.05). price discount, bonus pack and in-store display have a simultaneous effect on impulse buying decisions at Suzuya Mall with a p-value of 0.000 (a=0.05).Keywords: price discount, in-store bonus pack and display on impulse buying
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 Sufa, Amanda Oktavia 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 Zainarti Zainarti Zamzam, Ayu Raudah Zuhra, Annisa Zuhrinal M. Nawawi zulfikar, Zulfikar