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All Journal Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Sinomika Journal: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi Komunita: Jurnal Pengabdian dan Pemberdayaan Masyarakat
Ria Armayani Hasibuan, Reni
Unknown Affiliation
Arts Computer Science & IT Economics, Econometrics & Finance Education Environmental Science Public Health Social Sciences

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Analysis of Multipurpose Credit (KMG) Procedures at Bank Sumut Syariah KCP Rantau Prapat Nisa, Khairani; Ria Armayani Hasibuan, Reni
SINOMIKA Journal: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi Vol. 1 No. 1 (2022)
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (244.712 KB) | DOI: 10.54443/sinomika.v1i1.82

Abstract

Banks are one of the state intermediaries to achieve the goals of the Indonesian nation. Therefore, the level of credibility or quality of the bank is very important and needs attention. This will certainly support public confidence in banking. This will influence and support public confidence in the existence of the bank. Therefore, the soundness of the bank is something that is important and requires attention. In general, banks are a means for the community to save or entrust money, banks can also provide and distribute assistance and act as intermediaries in transactions and payments. KMG targets are people who work as long-term employees and civil servants in an office/agencies/employee cooperatives/institutions/company so as to obtain guaranteed credit returns from the monthly income received by the employee.
The Influence of Leadership on Employee Discipline at PT. Bank Syariah Indonesia KCP Kampung Tax Hastuti, Sri; Ria Armayani Hasibuan, Reni
SINOMIKA Journal: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi Vol. 1 No. 1 (2022)
Publisher : CV. Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (233.308 KB) | DOI: 10.54443/sinomika.v1i1.83

Abstract

This research was written using data collection techniques using questionnaires, as a technique of collecting data using a list of questions compiled by the author and submitted to the respondents, namely employees to answer the questions that have been provided. The results of these statistical calculations can lead to the conclusion that leadership has a strong influence on the work discipline of PT. Bank Syariah Indonesia KCP Kampung Tax contributed 46.77%. The relationship between the independent variable and the dependent variable forms the equation Y = 23.618+ 0.180X1+ 1.089X2. This equation shows that leadership is directly proportional to the work discipline of employees of PT. Bank Syariah Indonesia KCP Kampung Tax which means the better the leadership, the more self-disciplined employees of PT. Bank Syariah Indonesia KCP Kampung Tax will be increased.
ANALISIS DAMPAK EKONOMI PENAMBANGAN EMAS ILEGAL MENURUT KONSEP EKONOMI PEMBANGUNAN BERKELANJUTAN DAN MAQASHID SYARIAH: STUDI KASUS KECAMATAN BATANG NATAL KABUPATEN MANDAILING NATAL Yusuf Siregar, Andri; Arif Lubis, Fauzi; Ria Armayani Hasibuan, Reni
SIBATIK JOURNAL: Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol. 3 No. 1 (2023): December
Publisher : Penerbit Lafadz Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/sibatik.v3i1.1834

Abstract

The aspects of the problem studied by the author are regarding the economic impact of illegal gold mining according to the economic concept of sustainable development and maqashid sharia. The aim of this research was to determine the economic impact of illegal gold mining according to the economic concept of sustainable development and maqashid sharia. The analysis technique used is descriptive qualitative research methods. Qualitative methods are research procedures that produce descriptive data in the form of written or spoken words from people or observable behavior. Descriptive research is a research method that describes all the data or conditions of the research subject or object, then analyzed and compared based on the current reality and then tries to provide a solution to the problem and can provide up-to-date information so that it is useful for the development of science and more can be applied to a variety of problems. The results of the research show that this illegal gold mining produces results very quickly compared to previous work, namely farming and other things, and the results obtained are very promising and able to fulfill the family economy, people who take part in mining activities can earn Rp. 600,000-Rp. 800,000 per the week. Mining may be carried out as long as the community considers the interests of the public good, does not cause damage and is environmentally friendly. The community has the perception that the existence of illegal gold mines in Batang Natal District brings benefits and increases the welfare of the local community because the existence of the Unlicensed Gold Mining (PETI) location has become a new job opportunity for people who do not have permanent jobs. The positive impact felt by the surrounding community is of course the creation of new jobs for miners. The negative impact of gold mining which is felt almost every day by the community around the mining area is water pollution.
Peningkatan Literasi Keuangan Berbasis Agama Islam: Program Pengembangan Pengelolaan Keuangan Melalui Komunitas UMKM Di Batubara Ria Armayani Hasibuan, Reni; Roihan Nasution, Muhammad; Fadhilah Ahmad Hasibuan, Nur
KOMUNITA: Jurnal Pengabdian dan Pemberdayaan Masyarakat Vol 4 No 4 (2025): November
Publisher : PELITA NUSA TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60004/komunita.v4i4.299

Abstract

Literasi keuangan syariah merupakan salah satu pilar penting dalam pengelolaan keuangan yang beretika dan berkelanjutan, khususnya bagi pelaku usaha mikro, kecil, dan menengah (UMKM). Penelitian ini bertujuan untuk meningkatkan literasi keuangan berbasis agama Islam di kalangan UMKM melalui program sosialisasi, edukasi, dan pendampingan di Kabupaten Batubara. Metode Community-Based Participatory Research (CBPR) digunakan dalam pelaksanaan program ini untuk memastikan keterlibatan aktif antara pelaku UMKM, masyarakat, akademisi, dan stakeholder lainnya. Kegiatan berlangsung selama empat bulan, mencakup tahapan identifikasi kebutuhan, pelatihan, pengumpulan data, serta analisis dampak. Hasil penelitian menunjukkan bahwa tingkat literasi keuangan syariah awal di kalangan UMKM dan masyarakat masih rendah, dengan lebih dari 90% peserta belum memahami konsep dasar seperti riba, gharar, dan prinsip-prinsip pengelolaan keuangan syariah. Program yang dilaksanakan berhasil meningkatkan kesadaran dan pemahaman peserta mengenai pentingnya literasi keuangan syariah. Peserta juga mulai mengaplikasikan prinsip-prinsip syariah dalam pengelolaan keuangan usaha, seperti pemisahan keuangan pribadi dan bisnis serta pemanfaatan produk keuangan berbasis syariah. Program ini juga mengidentifikasi tantangan seperti keterbatasan infrastruktur digital dan akses informasi yang perlu ditangani untuk mendukung keberlanjutan program. Dengan kolaborasi lintas sektor, pengembangan infrastruktur, dan pendampingan berkelanjutan, program ini berpotensi menjadi model strategis untuk meningkatkan literasi keuangan syariah dan mendukung inklusi keuangan yang lebih luas.
Co-Authors Arifin Fauzi Lubis Fadhilah Ahmad Hasibuan, Nur Friska, Nur Rani Nisa, Khairani Roihan Nasution, Muhammad Sri Hastuti Yusuf Siregar, Andri