Article Per Year (5 Year)
p-Index From 2021 - 2026
3.763
P-Index
This Author published in this journals
All Journal Al-Hikmah: Jurnal Agama dan Ilmu Pengetahuan Adzkiya : Jurnal Hukum dan Ekonomi Syariah Hikmah KONSEP DAN TUJUAN PADA TINJUAN BISNIS SYARIAH Budimas : Jurnal Pengabdian Masyarakat Al-Fikru: Jurnal Ilmiah JCDD EKSYA: Jurnal Ekonomi Syariah Islamic Circle Journal of Islamic Economics Lariba JIFTECH: Journal Of Islamic Financial Technology Maslahah: Jurnal Manajemen dan Ekonomi Syariah Sharia Economic and Management Business Journal (SEMBJ) Al-Iqtishad Jurnal Bisnis, Ekonomi Syariah dan Pajak Ambacang: Jurnal Inovasi Pengabdian Masyarakat BAABU AL-ILMI: Ekonomi dan Perbankan Syariah JIBF MADINA : Journal Islamic Banking and Finance Madina
Erpiana Siregar
Sekolah Tinggi Agama Islam Negeri Mandailing Natal
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

Published : 25 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 25 Documents
Search

 1   2   3 
Analisis Pengaruh Layanan, Keamanan, dan Kemudahan Penggunaan terhadap Minat Mahasiswa Perbankan Syariah STAIN Mandailing Natal Menggunakan E-Walet Aplikasi Dana Ridwan, Muhammad; Khalijah, Siti; Siregar, Erpiana
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 9, No 2 (2024): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v9i2.5262

Abstract

This study aims to analyze the influence of Service, Security and Ease of Use on Interest in Using the DANA E-Wallet application. The population of this study were Islamic Banking Students of STAIN Mandailing Natal. The sample used was 99 respondents. The sampling technique for this study used the Purposive Sampling technique. The tool used in this study was SPSS version 20. Based on the results of the SPSS calculation, the Service Feature does not have a positive and significant effect on interest in using. This is evidenced by the t-count value which is smaller than the t table, which is 1.262 <1.661 with a significant value of 0.201> 0.05. While Security has a positive and significant effect on interest in using. This is evidenced by the t-count value of 2.871 which is greater than the t table of 1.661 with a significant value of 0.005 <0.05. And Ease of Use has a positive and significant effect on interest in using. This is evidenced by the calculated t value of 3.507 which is greater than the t table value of 1.661 with a significant value of 0.001 <0.05. Then the results of the study show that Service Features, Security and Ease of Use have a positive and significant effect on interest in using. This is evidenced by the alculated F value of 68.638 which is greater than the F table value of 2.699 with a significant value of 0.000 <0.005.
Praktik Akad Syirkah Pembuatan Batu Bata Merah Menurut Perspektif Hukum Islam Harahap, Titi Martini; Ardiansyah, Ardiansyah; Siregar, Erpiana
Hikmah Vol. 21 No. 1 (2024): Januari-Juni 2024
Publisher : Sekolah Tinggi Agama Islam Sumatera Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53802/hikmah.v21i1.402

Abstract

Jambur village is one of the villages that has saw land or land which is usually used as raw material for red bricks. The practice of the syirkah contract that occurs is that the land owner and the brick maker collaborate with a contract not in writing but verbally, then the land owner provides capital in the form of his empty land to be occupied as a place for making bricks while the manager manages the land for the bricks making process with land rental cost. Meanwhile, the distribution of sales proceeds is borne by the manager. This research aims to find out the process and views of Islamic law regarding the syirkah contract between land owners and brick managers in Jambur village, District North Panyabungan district Mandailing Natal. This research is field research (field research) with a descriptive qualitative approach using primary and secondary data sources. The author obtained primary data from interviews with land owners, brick managers, religious leaders  and people related to this research. The results of the research show that the practice of syirkah contracts for making bricks in Jambur village, land owners receive rent for their vacant land and receive a mandatory percentage of the number of bricks produced. In Islamic law this is not permitted because it contains multiple contracts and is detrimental to the manager.
Phenomenological Study Of Borrower Peer To Peer Lending Students at UIN SYAHADA Padangsidimpuan Hutagalung, Muhammad Wandisyah R.; Siregar, Erpiana; Pohan, Zulhedly
Journal of Islamic Financial Technology Vol 1, No 2 (2022): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (265.007 KB) | DOI: 10.24952/jiftech.v1i2.6699

Abstract

The emergence of the phenomenon of students becoming peer to peer lending borrowers who think that peer to peer lending is a solution for students who cannot access banking to be able to receive loans both to meet needs and capital assistance to start a business. Thus encouraging this research to be aimed at describing the phenomena that exist in the field so that the reasons, experiences and meanings and contents can be interpreted more deeply for UIN SYAHADA Padangsidimpuan students who become peer to peer lending borrowers. This study uses a qualitative descriptive research method with a phenomenological paradigm. Sources of data used in this study is primary data which in data collection is done by in-depth interviews, observation, and documentation. The results of the study found that the reasons for students to become peer to peer lending borrowers were driven by rational factors and emotional factors, and the student's experience while being a peer to peer lending borrower consisted of pleasant experiences and unpleasant experiences, then meaning that students became peer to peer lending borrowers, namely economic meaning The meaning is constructed based on what has been seen, heard, and felt through his experience as a borrower.
Effectiveness of Digital Sharia Pawnshop Services in Increasing The Number of Customers Pegadaian Syariah Alfian, Ian Ian; Siregar, Erpiana
Journal of Islamic Financial Technology Vol 2, No 2 (2023): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v2i2.11040

Abstract

Technology continues to develop, this is proven by technological advances in the form of applications and online transactions. However, not all technology provides convenience and has a positive impact on its users if not handled properly. Therefore, this thesis aims to reveal the effectiveness of the online services provided by Pegadaian Syariah Siringo-ringo through the Pegadaian Syariah Digital Service (PSDS) Application Service in increasing the number of customers. The background to the problem in this research is that errors often occur in applications and services that do not comply with procedures. The data collection method uses qualitative methods with observation, interviews and documentation.The research results show that this application is largely operating according to its intended use, although it is not yet fully effective in facilitating transactions. This application is not really effective in increasing the number of customers because customers still have minimal knowledge regarding the function of this application. Then the increase in the number of customers did not increase too much, but there continued to be an increase every year, be it gold savings customers, pawnshops, etc.
PENDAMPINGAN PENINGKATAN KEWIRAUSAHAAN PADA SANTRI MELALUI EKONOMI KREATIF DI PESANTREN BAITUR RAHMAN PARAUSORAT KEC. BATANG Martini, Titi; Sari Siregar, Resi Atna; Siregar, Erpiana
BUDIMAS : JURNAL PENGABDIAN MASYARAKAT Vol. 6 No. 1 (2024): BUDIMAS : Jurnal Pengabdian Masyarakat
Publisher : LPPM ITB AAS Indonesia Surakarta

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

Abstract

Pengembangan ekonomi kreatif di pesantren merupakan tantangan yang besar yang dihadapi pesantren karena harus mampu mengkolaborasikan ilmu agama dan ilmu umum. Salah satu ilmu umum yang perlu dikembangkan dan dimasukkan dalam kurikulum pesantren adalah kewirausahaan yang Islami. Sebagaimana amanat undang undang, pesantren mempunyai tiga fungsi, yaitu fungsi pendidikan, fungsi dakwah, dan fungsi pemberdayaan masyarakat. Adapun tujuan pengabdian ini yaitu memberikan bimbingan dan pelatihan tentang pemanfaatan waktu luang bagi para santri dan karya- karya inovatif serta pendampingan pemasaran produk yang secara tidak langsung ikut mempromosikan keberadaan dan kelebihan yang dimiliki pondok pesantren Baiturrahman. Metode yang digunakan dalam pengabdian ini adalah ceramah dan diskusi tanya jawab dalam pemahaman entrepreneur serta pelatihan pembuatan kerajinan tangan dan pendampingan pemasaran secara online dan offline. Adapun hasil pengabdian ini adalah diterima serta mendapat respon yang baik dan positif dari berbagai pihak dan diharapkan adanya perubahan pola pikir santri untuk berkembang serta memiliki keterampilan yang inovatif tentang ekonomi kreatif dengan pembuatan souvenir-souvenir cantik dari berbagai macam
Merger; Tinjauan Undang-undang Nomor 40 Tahun 2007 Tentang Perusahaan Terbatas dan POJK.03/2018 Tentang Persyaratan Dan Tata Cara Penggabungan, Peleburan, Pengambilalihan, Integrasi Dan Konversi Bank Umum Siregar, Erpiana
Islamic Circle Vol. 1 No. 2 (2020): Islamic Circle
Publisher : Prodi Hukum Ekonomi Syari'ah STAIN Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/islamiccircle.v1i2.393

Abstract

This paper is a study that discusses mergers in UUPT 2007 and POJK.03 / 2018 concerning Requirements and Procedures for Merger, Consolidation, Takeover, Integration and Conversion of Commercial Banks. The procedural arrangements of the two arrangements include: design, terms of incorporation. The approval of the board of commissioners is submitted to the GMS for approval, obtaining approval from the relevant agency. Meanwhile, the regulations regarding the protective merger in the 2007 UUPT and POJK.13/2018 are aimed at protecting the interests of related parties, namely the company, minority shareholders, creditors and the public and healthy competition in doing business.
PENGATURAN DAN PENGAWASAN BANK SYARIAH Siregar, Nur Khotia Harahap, Erpiana
Islamic Circle Vol. 2 No. 1 (2021): Islamic Circle
Publisher : Prodi Hukum Ekonomi Syari'ah STAIN Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/islamiccircle.v2i1.489

Abstract

Sharia financial institutions were first established, namely Islamic banking in 1991. However, this financial institution has experienced good growth. Seeing the development of Islamic banks so far, which makes sharia principles the main foundation in running their business, it is necessary to have regulatory and supervisory institutions for Islamic banks in order to minimize the occurrence of fraud from various parties that can harm the wider community. The institution that regulated and supervised Islamic banks before 2014 was regulated and supervised by Bank Indonesia, then since 2014 it has been regulated and supervised by the OJK. In addition, Islamic banks are regulated and supervised by the DSN, which then represents the DPS in Islamic banking to supervise the activities of islamic banks in accordance with or not with syriah principles.
Peran Pegadaian Syariah dalam Mendorong Kesejahteraan Sosial Masyarakat Melalui Program Corporate Social Responsibility (CSR) Azizah Anna Sahra; Fajar Rizky Lubis; Anwar Yusuf; Ira Hairani; Siti Wulandari; Rosalena; Pahrurrozi Pane; Nur Indah Hidayah; Suci Indah Pulungan; Nurul Irawan Rangkuti; Erpiana Siregar
Ambacang: Jurnal Inovasi Pengabdian Masyarakat Vol. 1 No. 4 (2025): Edisi Mei
Publisher : PT. Willy Print Art

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

Abstract

Corporate Social Responsibility (CSR) is a concept that has developed since post-World War II, focusing on the social and environmental impacts of corporate activities. From an Islamic perspective, CSR not only functions as a legal obligation, but also as a form of contribution to social welfare based on spiritual values. This study examines the implementation of CSR based on sharia principles carried out by Pegadaian Syariah, with the aim of improving the welfare of the surrounding community. The method used is a collaborative participatory approach between the service team, Pegadaian Syariah, and the community. The results of the study show that the CSR program carried out not only improves sharia financial literacy and economic empowerment, but also strengthens social relations between residents. Programs such as entrepreneurship training, business capital assistance, and sharia financial education have succeeded in improving the standard of living of the community and strengthening the role of Pegadaian Syariah in social development. This success shows the great potential of CSR based on religious values ​​and local wisdom for sustainable development.
The Existence of Islamic Boarding Schools in Shaping the Character of Students: Between Tradition and Modernization (Case Studies of Mushtofawiyah Islamic Boarding School and Darul Mursyid Islamic Boarding School) Siregar, Irma Suryani; Arwin, Arwin; Siregar, Erpiana; Siregar, Lina Mayasari
Al-Hikmah: Jurnal Agama dan Ilmu Pengetahuan Vol. 23 No. 1 (2026): Al-Hikmah: Jurnal Agama dan Ilmu Pengetahuan (AJAIP)
Publisher : UIR Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/ajaip.2026.vol23(1).25948

Abstract

Pesantren are the oldest Islamic educational institutions in Indonesia and play a central role in shaping the character of the Muslim generation. Amidst the development of globalization and modern technology, pesantren are required to maintain their Islamic scholarly identity while adapting to the competency requirements of the 21st century. This study analyzes the approach to character building of santri (students) at two types of pesantren in South Tapanuli: Pesantren Mushtofawiyah, which represents traditional pesantren, and Pesantren Darul Mursyid, which represents modern pesantren. Using a qualitative method with a case study design, data was obtained through in-depth interviews, participatory observation, and analysis of curriculum documents and character building programs. The results show that the Mushtofawiyah Islamic Boarding School develops the character of its students through mastery of classical Islamic texts, intense worship, simplicity, discipline, and the exemplary behavior of the kiai, thereby producing students who are religious, humble, and deeply rooted in classical Islamic tradition. In contrast, the Darul Mursyid Islamic boarding school applies an integrative approach that combines religious education, science, technology, foreign languages, and life skills so that students are more adaptive, communicative, and critical. The study concludes that both pesantren play a strategic role, but excel in different aspects. Moderate integration between tradition and modernization is seen as the ideal model for producing a generation of Muslims who are moral, critical, digitally literate, and ready to face global challenges.
PENGARUH PERKEMBANGAN DIGITAL BANKING DAN KUALITAS PELAYANAN TERHADAP KEPUASAN NASABAH BSI KCP PANYABUNGAN Yusrizal, Yusrizal; Wulandari, Siti; Kholijah, Siti; Siregar , Erpiana
AL-IQTISHAD : Jurnal Perbankan Syariah dan Ekonomi Islam Vol. 3 No. 2 (2025): AL-IQTISHAD : Jurnal Perbankan Syariah dan Ekonomi Islam
Publisher : Program Studi Perbankan Syariah, Sekolah Tinggi Agama Islam Negeri (STAIN) Teungku Dirundeng Meulaboh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47498/gbh91e94

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh perkembangan digital banking dan kualitas pelayanan terhadap kepuasan nasabah pada BSI KCP Panyabungan. Penelitian ini menggunakan metode kuantitatif dengan pendekatan survei, di mana data dikumpulkan melalui kuesioner yang diberikan kepada responden yang merupakan nasabah BSI KCP Panyabungan. Teknik pengambilan sampel yang digunakan adalah simple random sampling dengan jumlah sampel sebanyak 130 responden. Analisis data dilakukan menggunakan regresi linier berganda. Hasil uji t menunjukkan bahwa variabel perkembangan digital banking (X1) berpengaruh positif dan signifikan terhadap kepuasan nasabah (Y) dengan nilai thitung 3,312 > ttabel 1,978 dan nilai signifikansi 0,001 < 0,05  berarti hipotesis (Ha1) diterima (Ho1) ditolak. Hal ini menunjukkan bahwa variabel Perkembangan Digital Banking (X1) berpengaruh terhadap Kepuasan Nasabah (Y) BSI KCP Panyabungan. Variabel Kualitas Pelayanan (X2) juga berpengaruh positif dan signifikan terhadap kepuasan nasabah BSI KCP Panyabungan dengan nilai thitung 5,251 > ttabel 1,978 dan nilai signifikansi 0,000 < 0,05 berarti hipotesis (Ha2) diterima (Ho2) dittolak. Hal ini menunjukkan bahwa variabel Kualitas Pelayanan (X2) secara parsial  berpengaruh signifikan terhadap Kepuasan Nasabah (Y) BSI KCP Panyabungan. Secara simultan, hasil uji F menunjukkan bahwa Perkembangan Digital Banking dan Kualitas Pelayanan berpengaruh signifikan terhadap Kepuasan Nasabah BSI KCP Panyabungan dengan nilai Fhitung 192,326 > Ftabel 3,07 dan nilai signifikansi 0,000 < 0,05.
Co-Authors Alfian, Ian ian Antik Estika Hader, Antik Estika Anwar Yusuf ARDIANSYAH ARDIANSYAH Arwin Arwin Arwin Arwin Azizah Anna Sahra Beni Sandra Doriana Siregar Fajar Rizky Lubis Harahap, Titi Martini Ian Ian Alfian Ira Hairani Irma Suryani Siregar Khalijah, Siti Lina Mayasari Siregar MARTINI, TITI Muhammad Ridwan Muhammad Wandisyah Hutagalung Nur Indah Hidayah Nurul Irawan Rangkuti Pahrurrozi Pane Pohan, Zulhedly Resi Atna Sari Siregar Riny Viri Insy Sinaga Rosalena Rukiah Rukiah Siti Kholijah Siti Kholijah, Siti siti wulandari Siti Wulandari Suci Indah Pulungan Syukri Iska, Syukri Titi Martini Titi Martini Harahap