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All Journal Islamic Ecomonics Journal Studia Economica: Jurnal Ekonomi Islam IDEAS: Journal on English Language Teaching and Learning, Linguistics and Literature Ekonomi-Qu (Jurnal Penelitian Ilmu Ekonomi) Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Journal of Economic, Bussines and Accounting (COSTING) At-Tawassuth: Jurnal Ekonomi Islam JURNAL PENDIDIKAN TAMBUSAI Citra Delima Scientific journal of Citra Internasional Institute Jurnal Pengabdian Magister Pendidikan IPA Journal on Education Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JURNAL MANAJEMEN BISNIS International Journal of Economics, Business and Accounting Research (IJEBAR) Journal of Management and Business Innovations Jurnal Ilmiah Edunomika (JIE) Management Studies and Entrepreneurship Journal (MSEJ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah RESEARCH AND DEVELOPMENT JOURNAL OF EDUCATION (RDJE) Review of Islamic Economics and Finance JURNAL ILMIAH MAKSITEK JURNAL ILMIAH KOHESI SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL JURMA : Jurnal Program Mahasiswa Kreatif International Journal of Finance Research Journal La Bisecoman Al-Sharf: Jurnal Ekonomi Islam INTELEKTIVA El-Mujtama: Jurnal Pengabdian Masyarakat JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Transformasi Manageria: Journal of Islamic Education Management ETNIK : Jurnal Ekonomi dan Teknik Humantech : Jurnal Ilmiah Multidisiplin Indonesia Jurnal Akuntansi AKTIVA EKSYA: Jurnal Ekonomi Syariah EKONOMIKA45 Salimiya : Jurnal Studi Ilmu Keagamaan Islam eCo-Fin Journal of Management and Business Jurnal Ekonomika Dan Bisnis Balance : Jurnal Akuntansi dan Manajemen Economic Reviews Journal MES Management Journal Journal of Innovation Research and Knowledge Optimal: Jurnal Ekonomi dan Manajemen Journal of Public Representative and Society Provision Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen Commodity : Jurnal Perbankan dan Keuangan Islam Innovative: Journal Of Social Science Research Paradoks : Jurnal Ilmu Ekonomi Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Citra Delima Scientific journal of Citra Internasional Institute Journal of Contemporary Gender and Child Studies Jurnal Pendidikan Kesehatan (e-Journal) Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Jurnal Al-ittifaq Muqaddimah: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Aladalah: Jurnal Politik, Sosial, Hukum dan Humaniora IIJSE El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan JOIES (Journal of Islamic Education Studies) Prosiding Seminar Nasional Unimus Journal of Ekonomics, Finance, and Management Studies Jurnal Price : Ekonomi dan Akuntasi As-Syirkah: Islamic Economic & Financial Journal
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PENGARUH INFLASI TERHADAP PERTUMBUHAN EKONOMI DI SUMATERA UTARA Lia Purnama Sari; Marwah Auliyani; Nurul Jannah
Journal of Innovation Research and Knowledge Vol. 1 No. 7: Desember 2021
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (209.055 KB)

Abstract

Pertumbuhan ekonomi merupakan cara yang dilakukan untuk meningkatkan kemampuan pada suatu perekonomian dalam menghasilkan sebuah produk atau jasa. Dalam menumbuhkan ekonomi hal yang dapat paling penting diperhatikan oleh pemerintah adalah inflasi. Inflasi adalah proses kenaikan harga-harga umum barang-barang secara terus menerus. Penelitian ini menggunakan metode kuantitatif dengan jenis pengumpulan datanya menggunakan data time series yang diambil dari Badan Pusat Statisti Sumatera Utara pada periode 2018-2020 dengan alat bantu penelitian menggunakan SPSS. Hasil penelitian ini menunjukkan bahwa variabel inflasi memiliki nilai signifikan sebesar 0,543 lebih besar dari 0,05 maka dapat disimpulkan bahwa variabel inflasi berpengaruh signifikan terhadap pertumbuhan ekonomi. Hasil t-hitung menunjukkan nilainya sebesar 0,614 dan t-tabel sebesar 2,89. Artinya t-hitung lebih kecil dari t-tabel yang menunjukkan bahwa variabel inflasi mempunyai pengaruh secara parsial dengan pertumbuhan ekonomi.
Determnan Keputusan Penggunaan Dompet Digital Dengan Minat Guna sebagai Variabel Intervening: Nur Sabiatul Aulia; Sugianto Sugianto; Nurul Jannah
El-Mujtama: Jurnal Pengabdian Masyarakat Vol 3 No 1 (2023): El-Mujtama: Jurnal Pengabdian Masyarakat
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1088.754 KB) | DOI: 10.47467/elmujtama.v3i1.2245

Abstract

In the era of increasingly advanced developments, it requires humans to follow developments that occur in order to support life. The development of technology and speed in obtaining information is certainly very influential in activities to improve financial performance, one of which is the development of technology-based businesses. This study aims to determine the effect of the level of risk, benefit, and ease to use on the decision to use use a digital wallet with interest in use as an intervening variable. This research was conducted using a quantitative approach and used three independent variables, namely the level of risk (X1), benefit (X2), and ease to use (X3), then there is one dependent variable, namely the decision to use (Y), and one intervening variable, namely interest in using (Z). The samples used were students of the State Islamic University of Nort Sumatera in 2018 as many as 99 samples. The type of data use in this study is primary data by distributing questionnaires to the respondents. While the data analysis techniques used is path analysis. The results of this study indicate that (i) the level of risk has a positive and significant effect on interest in use, (ii) usefulness has a positive and significant effect on interest in use, (iii) ease to use has a positive and significant effect on interest in use, (iv) interest in use has a positive effect and significant to the decision to use, (v) the level of risk has no significant effect on the decision to use through interest in use, (vi) benefit has no significant effect on decisions to use through interest in use, (vii) ease of use has a positive and significant effect on decisions to use through interest in use. Interest path analysis was tested to be able to mediate the relationship between the level of risk, benefit, and ease of use on the decision to use a digital wallet. Keywords : Level of risk, Benefit, Ease to use, Decision to use, Digital wallet
ANALISIS PEMBIAYAAN KENDARAAN BERMOTOR (OTO) DI PT. BANK SYARIAH INDONESIA (BSI) KCP MEDAN RINGROAD Inten Sulistya Ningsih; Nurul Jannah
Jurnal Akuntansi AKTIVA Vol 3 No 2 (2022): OKTOBER
Publisher : Universitas Muhammadiyah Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/akuntansi.v3i2.3043

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui bagaimana strategi pembiayaan kendaraan bermotor (OTO) pada PT. Bank Syariah Indonesia (BSI) KCP Medan Ringroad. Metode penelitian yang digunakan dalam penelitian ini adalah metode deskriptif kualitatif. Pengumpulan data dilakukan dengan mewawancarai salah satu karyawan PT. Bank Syariah Indonesia (BSI) KCP Medan Ringroad, dan observasi langsung dan tidak langsung terhadap objek yang berhubungan dengan penelitian. Hasil penelitian menunjukkan bahwa mekanisme pembiayaan kendaraan bermotor (OTO) di BSI mengalami perubahan, khususnya target nasabah pembiayaan KPR OTO. Dalam hal ini, BSI mengutamakan nasabah dengan pekerjaan tetap, baik swasta maupun non swasta. Dalam hal ini kendaraan bermotor yang diberikan pembiayaan berupa mobil.
Strategi Pemasaran Produk Tabungan Giro IB Yang Berkonsep Mudharabah Pada Bank Sumut Syariah Capem HM. Yamin Fitra Maulana Roza; Nurul Jannah
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 2 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

The purpose of this study was to find out about the marketing strategy of the iB Current Account product. This research is a type of descriptive research using a qualitative approach. Information obtained from interviews, literature review sourced from several books and critical thinking from the author. Based on the results of the author's research at PT Bank Sumut Syariah Kcp HM. Yamin. So what can be concluded from the company where the author carries out practical internship work, namely as follows; PT Bank Sumut which is one of the tools/complements of regional autonomy in the banking sector, PT Bank Sumut has a function as a driver and driver of the pace of development in the region, acting as a regional treasury holder and or carrying out regional money storage as well as a source of regional income and as a source of regional income. Commercial banks. The government considers PT Bank Sumut capable of reviving and considering the important role of PT Bank Sumut
Penerapan Prinsip 5c pada Pembiayaan Murabahah di SUMUT Syariah KCP HM Yamin Alwi Muarif Sembirin; Nurul Jannah
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 2 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

The purpose of the study was to determine the supporting and inhibiting factors in Murabahah financing at Bank SUMUT Syariah KCP HM Yamin and the application of 5C principles to Murabahah financing at Bank SUMUT Syariah KCP HM Yamin. The research method used is descriptive qualitative research... Information obtained from interviews, literature review sourced from journals and critical thinking from the author. Based on the results of the author's research at Bank SUMUT Syariah Kcp HM. Yamin. So what can be concluded from the company where the author carries out practical internship work, namely as follows; PT Bank Sumut which is one of the tools/equipment of regional autonomy in the banking sector, PT Bank Sumut has a function as a driver and driver of the pace of development in the region, acting as a regional treasury holder and or carrying out regional money storage as well as a source of regional income and as a source of regional income. Commercial banks. The government considers PT Bank Sumut to be able to bounce back and considering the important role of PT Bank Sumut in supporting development in the North Sumatra area, the government only includes PT Bank Sumut in recapitalized banks.
Strategi Pemasaran Pembiayaan Kepemilikan Rumah pada Bank SUMUT KCP SY HM YAMIN Muhammad Rijal Fanshury Hasibuan; Nurul Jannah
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 2 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

The purpose of this study was to obtain a marketing strategy for KPR products of Bank Sumut Syariah for Bank Sumut Syariah KCP SY HM Yamin in increasing bank income. This research is a type of descriptive research using a qualitative approach. Information obtained from interviews, field identification, literature review sourced from journals and critical thinking from the author. By doing a SWOT analysis of FLPP mortgage financing at Bank Sumut KCP Sy HM Yamin, the results of the Cartesian diagram show the company's position is in quadrant I (growth), which is a very profitable situation for the company. So, Bank Sumut KCP Sy HM Yamin still has the strength to take advantage of existing opportunities as well as possible in order to minimize weaknesses and overcome threats. The strategy applied in this condition is to support an aggressive growth policy (Growth Oriented Strategy, namely by doing agile growth, the company takes advantage of prime conditions to continue to increase expansion, growth and maximize opportunities
Analisis Minat Nasabah pada Penggunaan Aplikasi BSI Mobile dalam Pembayaran E-Commerce: Studi Kasus pada Mahasiswa UINSU Intan Wulan Dari Bancin; Nurul Jannah
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 2 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

Dengan berkembangnya teknologi yang semakin maju di dunia, maka setiap perusahan-perusahan kecil maupn besar berlomba-lomba untuk mengembangkan sistem mereka, salah satunya adalah pada bank-bank di Indonesia yang berlomba-lomba membuat sistem pelayanan yang mudan praktis layaknya aplikasi BSI mobile. Banyaknya transaksi jual beli yang dilakukan dengan menggunakan media online menjadikan banyaknya masyarakat di haruskan melakukan pembayaran melalui online juga dengan menggunakan fitur-fitur yang telah tersedia. Dengan fitur-fitur yang telah dirancang sedemikian rupa yang dapat membantu segala kegiatan transaksi nasabah, BSI mobile hadir di masyarakat untuk membantu kemudahan transaksi tersebut. Maka dengan itu penelitian ini dilakukan bertujuan untuk menganalisa: (1) Apa yang menjadi hambatan mahasiswa UINSU dalam menggunakan BSI mobile, (2) Mengebangkan minat mahasiswa UINSU dalam menggunakan aplikasi BSI mobile dalam pembayaran E-commerce. Adapun Penelitian ini menggunakan metode peneitian field research karena peneliti terjun langsung ke lapangan untuk mengetahui dan mengamati langsung fenomena yang terjadi yaitu tentang tingkat kepuasan nasabah mahasiswa UINSU dalam menggunakan BSI mobile di Bank Syariah Indonesia agar mendapatkan bukti dan hasil yang tepat. Sampel penelitian didapat dari beberapa mahasiswa UINSU yang telah diambil dari setiap fakultas yang ada di UINSU. Terdapat ada 16 jumlah responden yang saya ambil dari setiap fakultas dan dapat disimpulkan bahwa 7 (46,6%) dari 15 orang mahasiswa menggunakan BSI mobile dan 9 (60%) dari 15 orang mahasiswa UINSU tidak menggunakan aplikasi tersebut karna telah menggunakan aplikasi pembayaran lainnya. Hasil penelitian ini menunjukkan bahwa BSI mobile merupakan aplikasi yang masih belum diketahui dan diminati oleh sebagaian mahasiswa UINSU. Dan bagi nasabah yang tidak menggunakan layanan BSI mobile, berarti mereka merasa kurang atau tidak membutuhkan layanan tersebut.
Analisis Faktor-Faktor Kebutuhan dan Peluang Masyarakat Menjadi Nasabah di Bank Syariah Indonesia (BSI) KC Sibolga Putri Masrifah; Nurul Jannah
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 2 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

This study discusses the analysis of the factors of people's needs and opportunities to become customers at Bank Syariah Indonesia (BSI) KC Sibolga. The formulation of the problem raised is "What are the factors that influence the needs of the community to become customers at Bank Syariah Indonesia?". The development of Islamic banking in Indonesia is currently progressing. This is evidenced by the number of Conventional Banks that have started to open Sharia Business Units. However, the development of Islamic banks has not been able to influence the needs of the community to become customers of Islamic banks. The purpose of this study was to determine the needs and opportunities of the community to become customers of Islamic banks. People want the results of borrowing funds from financial institutions will get big profits without having to be burdened with interest and avoid usury.
Peranan Kebijakan Moneter Konvensional dan Islam terhadap Pengendalian Inflasi di Indonesia Fany Renaldy Harahap; Khairina Tambunan; Nurul Jannah
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 2 No 2 (2022): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

Salahh satus tugas utama kebijakand moneter adalah mengendalikanr inflasiz. yaitu menjaga stabilitas harga. Inflasi adalah kenaikan harga umum barang-barang dan jasa, yang melemahkan daya beli. Inflasi ditandai dengan kenaikan harga barang, itu adalah suatu peristiwa Kebijakan moneter umum di hampir semua negara. Penelitian inia berbentukf penelitiant kepustakaanr (LibraryyResearchh), segala informasii yang didapatkann berkaitanadengan pembahasan penelitiansini diperolehrdari berbagai sumber-sumber literatur dan bersifattdeskriptif kualitatif. metode kualitatif adalah metode penelitian yang menghasilkan bahasa lisan dan tulisan seorang individu yang diperoleh dengan mengamati perilaku menghasilkan data deskriptif untuk mengatasi inflasi yang tinggi, Bankk Indonesia dapatt mengendalikannyaa dengann menerbitkan SBIi untuku menekan danaz yangg beredar di masyarakatt. Bank sentral bertindak menurunkan suku bunga SBI sebagai berikut Sesuai dengan tarif PUAB atau Pasar uang antar bank merupakan sarana promosi berkembang di pasar uang. Sertifikat Musyarakah berbasis PLS yang dijual kepada masyarakat mengontrol jumlah uang yang beredar dapattt berupaa Sertifikatt Bankk Indonesiaa Syari’ah (SBIS) dan Praktek Pasarr Uangg Bankr Antar Islam atau syari’ah (PUAS).
Implementasi Zakat Maal secara Produktif, Solusi Pengentasan Kemiskinan di Kota Medan Kurnia Sandi Panjaitan; Khairunisah Khairunisah; Nurul Jannah
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 3 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1090.626 KB) | DOI: 10.47467/alkharaj.v5i3.1643

Abstract

This study aims to provide an overview in the orm of a portrait of zakat maal and how its contribution, role, and performance in alleviating poverty. The research method used in the journal is a qualitative method using zakat maal as a case study. Zakat maal is a system in the Qur’an to regulate several provisions regarding assets that must be tithe. Zakat is only prouctive as a qualitative and quantitative embodiment so that the zakat issued is not to meet needs at any time (comsumtive). However, trying to have an investment value for the independence of zakat recipients. In Indonesia, where most of the population is Muslim, it actually has stategic potential and is very feasible to be developed in driving the economy. In addition, the concept of zakat offered by Islam promises the dimensions of benefit and the management of potential economic resources in people’s lives so that poverty can be eradicated. Keywords: Zakat Mal, Productive Zakat, Proverty, Economy.
Co-Authors Agung Setiawan Ahmad Muhaisin B. Syarbaini Ahmad Perdana Indra Ahmad Perdana Indra Ali Akbar Harahap Ali Daud Hasibuan Alisyah Fatiya Raghdha Alwi Muarif Sembirin Alya Avina Alya Rahma Siregar Ananda Dwi Cahya Andi Tri Lestari Annisa Lestari Ritonga Annisa Suci Ramadhani Arif Ramadhan Arya Neta Adinda Jambak Asmuni Asmuni atika Aula Maulidah Aura Mahdiyah Aya tullah Ayu Rahmawati Ayudiah Uprianingsih Azizah Mudrikah Azizahsekarningrum Bastanta Sinulingga Citra Prasiska Puspita Tohamba, Citra Prasiska Puspita Dea Dara audina Devi Aprilia Ningsih Dharma, Budi Dina Yanti Egi Regi Prayoga Eka Lestari Eka Purnama Sari Eko Agus Alfianto ENDRI ENDRI ESKI ADITYA Eski Aditya Fadia Salsabila Rahmawan Faisal Akbar Fany Renaldy Harahap Farhan Edma Manurung Farida Hanum Boangmanalu Feby Sahira Firdha Aigha Suwito Fitra Maulana Roza Fitri Rahmadani Harahap Hadi Nasbey Hanifah Oktaviani Fakhri Hanizar Simatupang Hari Subakti Helmi, Muhammad Hervina Dahlianti I Gusti Ngurah Agung Surya Aditya Iis Herike Ilham Tri Wardana Imsar Imsar Imsar Imsar Imsar Imsar Imsar Intan Wulan Dari Bancin Inten Sulistya Ningsih Irani Eka Putri Pohan Irma Septria Mawarni Julia Putri Zahara Juliana Nasution Juliani Junita Sari Juwita Wulandari Dalimunthe Khairunisah Khairunisah Kurnia Sandi Panjaitan Laylan Syafina Lena Mardiana Silaen Lia Purnama Sari Lin Arshy Cahaya Lutfiah Lutfiah M. Ridwan Ridwan M. Ryansyah Marliyah Marwah Auliyani Maryam Batubara Maryam Batubara MASDELIMA HASIBUAN MAULIDYA REZEKI Miranda Julia Pasaribu Mohammad Chaidir Muhamad Indra Nurzaman Muhammad A rif Muhammad Afdhal Muhammad Arif Muhammad Arif Muhammad Arif Muhammad Choir Rivaldi Muhammad Lathief Ilhamy Nasution Muhammad Ramadhan Muhammad Ramadhan Muhammad Ravi Akbar Muhammad Rijal Fanshury Hasibuan Muhammad Yafiz Muhammad Yunus Sofian Murat, Nur Atiqah Maulad Mutia Maudy Khasanah Mutiara Ratu Shapura Nadia Amalia Nadira Paramita Nadya Ulfah nasution, fauziah Nia Nazlia Nilam Utami Aqillah Novita Ayunda Sari Nur Ahmadi Bi Rahmani NUR AHMADI BI RAHMANI Nur Ainun Ningsih Nur Ainun Siregar Nur Ainun Siregar Nur Fadlilah Nur Sabiatul Aulia Nur Salsabila Arwan Nst Nurafria Nanda Nuraisyah Syarifah Nurbaiti Nurbaiti Nurlaila Nurlaila Nurlaila Nurlaila Nurul Arsih Padlan Habibi Prayugo Ali Abdillah Prayugo Ali Abdillah Purnama Ramadani Silalahi Putri Ismaydina Putri Masrifah Rahma, Tri Inda Fadhila Rahmad Raja Martua Hasibuan Rahmani, Nur Ahmadi Bi Rahmat Daim Harahap Imsar Ramayani Rima Yohani RINDI SAFIRA Riyadi, Muskhab Eko RIZKIA ZAHRA Robi Mufti Rofiqoh Ainun Ruqayyah Ruqayyah Ryan Arianda Salsabila Putri Salwa Fadillah Haya Saparuddin Siregar Sari, Meyana Selly Febriana Seri Mulyani Sigit Pranomo Hadi Sindi Novita Sari Siti Rahmah Ritonga Solly Aryza Sri Bella Larasaty Yuandra Sri Ramadhani Sri Sudiarti Sri Sudiarti Sri Sudiarti Sugianto Suggianto Sugianto Sugianto Sugianto Sugianto Syarif Amin SYFA ARIKAH Tambunan, Khairina Tria Silvia Tuti Anggraini Tuti Anggraini Tuti Damayanti Marbun Ummi Kalsum Vanessa Vanessa Vega Liana Vega Liana velly khairunnisa velly Wahyu Sarvina Wahyu Syarvina Wika Nurfuadi Wiwin Khairany Simanjuntak Yena Puspita Yeni Rahma Yudi Paruhum Yuliana Sain Yusrizal Yusrizal Yusrizal Yusuf Yusuf ZAHRINA GHAISANY PULUNGAN Zainarti Ziad, Muhammad Thoriq Zikri Rahman Zuhrinal M. Nawawi