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All Journal Jurnal Bisnis dan Manajemen Ekonomikawan : Jurnal Ilmu Ekonomi dan Studi Pembangunan At-Taradhi: Jurnal Studi Ekonomi Laa Maisyir Jurnal Ekonomi Islam Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah JURNAL MANAJEMEN BISNIS Al-Kharaj: Journal of Islamic Economic and Business Mahaguru: Jurnal Pendidikan Guru Sekolah Dasar Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences INTELEKTIVA JURNAL MANAJEMEN AKUNTANSI (JUMSI) JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen EKSYA: Jurnal Ekonomi Syariah Jurnal Akuntansi dan Keuangan Economic Reviews Journal Transformasi: Journal of Economics and Business Management Amkop Management Accounting Review (AMAR) Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Jurnal Riset Akuntansi Jurnal Riset Ekonomi dan Akuntansi Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Maslahah: Jurnal Manajemen dan Ekonomi Syariah IIJSE Liberosis: Jurnal Psikologi dan Bimbingan Konseling El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Islamic Economics and finance in Focus (IEFF) Jurnal Ekonomi Bisnis dan Kewirausahaan Journal of Sharia Business Management Jurnal Riset dan Inovasi Manajemen
NUR AHMADI BI RAHMANI
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The Effect of Inflation and Gold Prices on the Performance of Gold Pawn Products at PT Bank Syariah Indonesia Harahap, Febri Khairani; Sugianto; Nur Ahmadi Bi Rahmani
Amkop Management Accounting Review (AMAR) Vol. 5 No. 1 (2025): January - June
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i1.2738

Abstract

This study aims to explain the effect of inflation and gold prices on the performance of gold pawn products at Bank Syariah Indonesia. The theory used in the research model is the performance theory. The data used in this study are secondary data obtained from the financial statements of Bank Syariah Indonesia, as well as macroeconomic data related to the inflation rate collected from Bank Indonesia and gold prices inputted from Antam via the official website. The results of the study indicate that inflation does not affect the performance of gold pawn products. Gold prices have a significant positive effect on the performance of gold pawn products at Bank Syariah Indonesia. Inflation and gold price data are collected monthly for the period 2021-2024. Furthermore, gold pawn performance data uses gold pawn distribution data (rahn) which is available in quarterly form and then converted into monthly data using the linear interpolation method.
PENGARUH PEMBANGUNAN CITRALAND GAMA CITY DALAM MENINGKATKAN PENDAPATAN PEDAGANG DI KENANGAN BARU KECAMATAN PERCUT SEI TUAN Sri Agustina Hasibuan; Sugianto; Nur Ahmadi Bi Rahmani
EKSYA : Jurnal Ekonomi Syariah Vol 3 No 1 (2022): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v3i1.726

Abstract

This studyiaiims to determineithe effect of the development of CitraiLaind Gaimai City in increaising the income of traiders in Kenaingain Bairu Percut Sei Tuain District. This reseairch wais conducted on Jailain BoulevairdiBairait Raiyai No. Kaiv 1, KenaingainiBairu Percut Sei Tuain District, DeliiSerdaing Regency, North Sumaitrai. Thisitype of reseairch is quaintitaitiveireseairch. Theisaimple used in thisistudy were traiders in Kenaingain Bairu, Percut Sei Tuain District. Daitai Cillection is done by distributing questionnaiires to 35 respondents. Thisistudy uses ai simpleilineair regression model test with the help of IBM SPSSiVersion 20. Theiresults of this studyiindicaite thait the development of CitraiLaind Gaimai City haisiai significaint positive effection the income of traiders in Kenaingain Bairu, Percut Sei Tuain District, this is indicaited by the results of the titest, it is knownithait the cailculaited t vailueiis 5,305 thisivailue is greaiterithain t taible 1,69236 with ai t vailueiof 0,000 sig <0.05. So thait the hypothesis testing of this study is thaitiHai is aiccepted, H0 isirejected.
PENGARUH FASILITAS DAN KUALITAS PELAYANAN TERHADAP LOYALITAS PELANGGAN DENGAN KEPUASAN SEBAGAI VARIABEL MODERATING (Studi Kasus di Percetakan MK Digital Printing) Ayu Lestari; Mhd. Irwan Padli Nasution; Nur Ahmadi Bi Rahmani
EKSYA : Jurnal Ekonomi Syariah Vol 3 No 1 (2022): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v3i1.741

Abstract

Facilities and service quality are important things that must be considered by companies engaged in services. The existence of good facilities and service quality in the minds of consumers will create a good image so that consumers become generous with the services provided by the company. This study aims to determine the effect of facilities and service quality on customer loyalty with satisfaction as a moderating variable (a case study in the Constitutional Court Digital Printing). This study uses a quantitative approach. The population of 2969 in this study were customers who had used the services of the Constitutional Court Digital Printing. The sample used was 97 respondents and questionnaires as a means of collecting data for respondents. The analytical method used in this research is validity test, reliability test, classical assumption test and Moderated Regression Analysis (MRA) test. The results of this study indicate that facilities, and service quality have a significant influence on customer loyalty at MK Digital Printing and the effect is from Variable X1, namely facilities and customer satisfaction which have the effect of increasing the influence of facilities on customer loyalty. Thus, that the result of the satisfaction variable is a moderating variable or can be used as an independent variable as well as a moderator variable.
Pengaruh Financing to Deposit Ratio dan Non Performing Financing Terhadap Return on Assets dengan Capital Adequacy Ratio Sebagai Variabel Intervening pada Perbankan Syariah di Indonesia pada Tahun 2017-2021 Ramayani; Nur Ahmadi Bi Rahmani; Nurul Jannah
Economic Reviews Journal Vol. 3 No. 1 (2024): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v3i1.152

Abstract

This study aims to determine the Effect of Financing to Deposit Ratio and Non-Performing Financing on Return on Assets with Capital Adequacy Ratio as Intervening Variables in Islamic Banking in Indonesia in 2017-2021. This study uses a quantitative approach method and uses secondary data, namely quarterly financial ratio reports of banks registered with OJK from 2017-2021. The analysis technique used is a partial test (t test), simultaneous test (F test), Coefficient of Determination test (R2 test) and path analysis test. The results of this study indicate (1) Financing to Deposit Ratio (FDR) has an effect on Return on Assets (ROA), (2) Non Performing Financing (NPF) has an effect on Return on Assets (ROA), (3) Financing to Deposit Ratio (FDR) ) has no effect on Capital Adequacy Ratio (CAR) (4) Non Performing Financing (NPF) has an effect on Capital Adequacy Ratio (CAR), (5) Capital Adequacy Ratio (CAR) can mediate the effect of Financing to Deposit Ratio (FDR) on Return On Assets (ROA), and (6) Capital Adequacy Ratio (CAR) cannot mediate the effect of Non Performing Financing (NPF) on Return On Assets (ROA).
PENGARUH RASIO CAPITAL ADEQUACY RATIO (CAR), NON PERFORMING FINANCING (NPF) , BOPO, FINANCING TO DEPOSIT RATIO (FDR), TERHADAP ROA BANK UMUM SYARIAH DI INDONESIA PERIODE 2018-2022 Zuhra Nahda; Nur Ahmadi Bi Rahmani; Kusmilawaty
INTERNATIONAL, Journal of Sharia Business Management Vol 2 No 3 (2023): September
Publisher : CV. Barokah Publsiher

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

Abstract

Penelitian ini menggunakan pendekatan kuantitatif. Jenis data variabel merupakan data sekunder yaitu data yang diperoleh dari laporan tahunan keuangan (annual report) yang dipublikasikan pada website resmi masing-masing bank periode 2018-2022. Teknik analisis data yang digunakan pada penelitian ini meliputi Analisis Regresi Linier berganda, Uji Asumsi Klasik terdiri dari Uji Normalitas, Uji Multikolinearitas, Uji Heteroskedastisitas, dan Uji Autokorelasi, Uji Hipotesis terdiri dari Uji t, Uji F,Uji Analisis Regresi Linear Berganda serta Uji Koefisien Determinasi dengan bantuan aplikasi SPSS. Hasil pada penelitian ini menunjukkan bahwa secara parsial (uji t) Rasio Capital Adequacy Ratio (CAR) memberikan pengaruh negatif serta tidak signifikan terhadap ROA Bank Umum Syariah dengan nilai signifikan (0,598) > 0,05 sedangkan nilai thitung > ttabel (0,533) < ttabel (1,697). Rasio Non Performing Financing (NPF) memberikan pengaruh negatif serta tidak signifikan terhadap ROA Bank Umum Syariah dengan nilai signifikan (0,176) > 0,05 sedangkan nilai thitung(-1,387) < ttabel(1,697). Rasio BOPO memberikan pengaruh positif dan signifikan terhadap ROA Bank Umum Syariah dengan nilai signifikan (0,000) < 0,05 sedangkan nilai t hitung (-4,927) < t tabel (1,697). Rasio Financing to Deposit Ratio (FDR) memberikan pengaruh negatif serta tidak signifikan terhadap ROA Bank Umum Syariah dengan nilai signifikan (0,582) > 0,05 sedangkan t hitung (-0,557) < t tabel (1,697).
Pengaruh Pemahaman Muamalah dan Sikap Heuristik Terhadap Pengambilan Keputusan Investasi Syariah pada Mahasiswa Universitas Islam Negeri Sumatera Utara (UINSU) Fudla Azzuhra Rahmawan; Nur Ahmadi Bi Rahmani; Purnama Ramadani Silalahi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 10 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i10.5494

Abstract

This study aims to examine the effect of muamalah understanding and heuristic attitude on sharia investment decision making among students of the Faculty of Economics and Islamic Business at the State Islamic University of North Sumatra (UINSU). Muamalah understanding refers to the knowledge of Islamic rules governing economic transactions, including the prohibition of riba, gharar, and maisir. Meanwhile, heuristic attitude involves the use of rules of thumb that help simplify the decision-making process, especially in complex and uncertain situations. This study was conducted using a quantitative approach through a survey of 271 students selected using purposive sampling technique. Data was collected through a Google Form-based questionnaire and analysed using multiple linear regression. The results showed that both muamalah understanding and heuristic attitude have a significant positive influence on Islamic investment decision making. Simultaneously, these two variables explain about 67,0% of the variation in Islamic investment decision-making. A deep understanding of muamalah helps students in choosing investments that are in accordance with sharia principles, while heuristic attitude allows them to make decisions more quickly and efficiently even in conditions of limited information.
ANALISIS PENGARUH ETIKA PERSONAL SELLING TERHADAP KEPUASAN NASABAH ASURANSI JIWA PT. SUNLIFE FINANCIAL CABANG MEDAN Deri Arifin Nur Marpaung; Nur Ahmadi Bi Rahmani; Laylan Syafina
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol. 1 No. 2 (2024): April : Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBER)
Publisher : CV. Denasya Smart Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69714/p8fza346

Abstract

This research is an analysis of the influence of personal selling ethics on life insurance customer satisfaction. The object of this research is PT. Sunlife Financial Medan Branch. The problem of this research is whether Order Takers, Order Getters, Order Creators, and whether Order Takers, Order Getters, Order Creators have an effect on PT life insurance customer satisfaction. SunLife Financial Medan Branch. The purpose of this research is to find out whether Order Takers, Order Getters, Order Creators, and whether Order Takers, Order Getters, Order Creators have an effect on PT life insurance customer satisfaction. SunLife Financial Medan Branch. The research method used is a comparative quantitative method. The comparative quantitative method has been chosen to obtain the data needed in this study. This research used 93 respondents and all respondents were customers of PT. Sunlife Financial Medan Branch. Data analysis used the SPSS 16.0 computer program. The results of this research. The test results show that it is known that the coefficient of determination is 50.8%, which means that customer satisfaction can be explained by the variables order takers, order gettors and order creators. And this means that 49.2% is influenced by other variables that are not within the scope of this research. Thus, the hypothesis which states that order takers, order getters and order creators have a significant effect on customer satisfaction can be accepted.
The Influence of Product Innovation and Service Innovation on the Saving Interest of the Millennial Generation at Bank Syariah Indonesia KCP Cemara Asri Dea Amanda Putri; Aqwa Naser Daulay; Nur Ahmadi Bi Rahmani
Amkop Management Accounting Review (AMAR) Vol. 5 No. 2 (2025): July - December
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.2804

Abstract

This study analyzes the effect of product innovation and service innovation on the saving interest of the millennial generation at Bank Syariah Indonesia KCP Cemara Asri, Medan. The scope of the study focuses on millennial customers who are the primary target of Islamic banking services. This is a quantitative research using an associative approach. Primary data were collected through questionnaires distributed to 100 respondents using purposive sampling technique. The research instruments were tested for validity and reliability. Data analysis was conducted using multiple linear regression with SPSS version 21. The results showed that partially, product innovation had a significant effect on saving interest, as did service innovation, which positively contributes to increasing customer interest. The coefficient of determination (R²) value of 71.9% indicates that product and service innovation variables simultaneously explain the variability in saving interest. The conclusion of this study is that innovative strategies implemented by Islamic banks, both in terms of product development and digital service enhancement, significantly influence millennials' saving interest. These findings imply that Islamic banks need to continuously strengthen innovation elements to maintain and improve millennial customer loyalty in today’s digital era.
The Effect of Financing Margin, Religiosity, and Family on the Decision to Financing BSI Pensiunan Berkah at Bank Syariah Indonesia KC. Padangsidimpuan Rahul Al Fatah Suripto; Marliyah Marliyah; Nur Ahmadi Bi Rahmani
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 1 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i1.6402

Abstract

The purpose of this study was to determine the effect of financing margin on customer decisions to finance BSI Pensiun Berkah. To determine the effect of religiosity on customer decisions to finance BSI Pensiun Berkah. To determine the influence of family on customer decisions to finance BSI Pensiun Berkah. To determine the effect of financing margin, religiosity, and family simultaneously on customer decisions to finance BSI Pensiun Berkah. In this study, the population used was pre-retired civil servant customers in Padangsidimpuan whose number was not known for certain. The research sample is part of the number and characteristics of the population. Because the researcher does not know for sure the number of pre-retirement customer populations who finance at BSI KC Padangsidimpuan, the researcher used the Lemeshow formula. So in this study, the researcher used a minimum sample size of 96 respondents who had financed at Bank Syariah Indonesia KC. Padangsidimpuan. This research method uses an associative approach and the research method used is quantitative which is based on the philosophy of positivism and uses the assistance of the IBM SPSS version 24 application program. This study used a questionnaire with a sample of 96 respondents. The results of the study indicate that financing margin, religiosity, and family simultaneously influence the customer's decision to finance a blessed pension at Bank Syariah Indonesia Kc. Padangsidimpuan, as with the results of the F-Test. Based on the results of the T-Test, the financing margin variable obtained 0.632, then the religiosity variable obtained 1.986 and the family variable obtained 4.478. So it can be concluded that only the family variable has a significant positive effect on the customer's decision to finance a blessed pension at Bank Syariah Indonesia Kc. Padangsidimpuan, because of the three variables, only the family variable obtained a value greater than the T-table of 1.986.
Faktor-faktor Yang Mempengaruhi Kemampuan UMKM dan Kesejahteraan UMKM Pada Koperasi Syariah Kaum Ibu Al-Ikhlas Medan Indah Apriyani Nasution; Muhammad Yafiz; Nur Ahmadi Bi Rahmani
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.8568

Abstract

This study aims to analyze the effect of financing, coaching, promotion, on the ability of micro-enterprises and increasing the welfare of micro-enterprises. The purpose of the cooperative is the welfare of its members and the programs provided by the cooperative to create new jobs for the community and members of the cooperative. This type of research uses quantitative research. The sample in this study are all members of sharia cooperatives who work at the Kaum Ibu Al-Ikhlas Sharia Cooperative in Medan City which are registered in the 2021 BPS, with a total of 152 members. Based on the results of the hypothesis analysis, it was obtained that P Values (0.00222) 1.96, it was concluded that Financing had a significant effect on Micro Enterprise Capability. Based on the analysis results obtained P Values (0.00111) < 0.05 and t statistics (3.28092) > 1.96.
Co-Authors Abdul Rahman Ahmad Bayu Nugroho Ahmad Perdana Indra Aisyah Citra Dewi Alfina Rahma Wani Alwi Muarif Sembiring Amelia Azura Ananda Syahrina Aqwa Naser Daulay Ara Yustika Br.Ginting Arifin Fauzi Lubis Arnida Wahyuni Atika Atika Aulia Nurrahmah Lubis Ayu Annisa Fikra Ayu Lestari Bunga Anggita Batubara Dea Amanda Putri Deri Arifin Nur Marpaung Dian Irmawani Diana Loemongga Siregar Dinda Putri Hafira Dini Gusmini Ellyza Cindi Mentari Fachry Abda El Rahman Fairuz Firjatullah Farhan Edma Manurung Fudla Azzuhra Rahmawan Gita Ayu Pratama Harahap, Febri Khairani Harahap, Mhd. Rivaldhy Harahap, Muhammad Ikhsan Hasibuan, Reni Ria Armayani Hendra Harmain Iga Dwi Wardanah Ika Annisa Imsar Indah Apriyani Nasution Indradewa, Rhian Inggit Eka Saputri Kusmilawaty Kusmilawaty Kusmilawaty Laylan Syafina Maidalena Marliyah Maryam Batubara Miftahul Husna Hutapea Miftahul Jannah Hasibuan Miranda Muhammad Latief Ilhamy NST Muhammad Rizky Muhammad Syahbudi Muhammad Yafiz Mutiara Sawitri Pane Nasution, Muhammad Irwan Padli Nina Amanda Novan Wicaksana NUR ASRIZA PASARIBU Nurul Isnaini Putri Nurul Jannah Purnama Ramadani Silalahi Putri Ayuni Rahmad Sahputra Tanjung Rahul Al Fatah Suripto Ramayani Reni Ria Armayani Hasibuan Rizky Ananda Ariza Rizqia Humaira Nasution Salwa Fadhilah Haya Siti Khadijah Mtd SITI KHODIJAH Soleha, Safnah Sri Agustina Hasibuan sri sudiarti Sugianto Tambunan, Khairina Tambunan, Sagdiyah Fitri Andani Tri Inda Fadhila Rahma Trisnawati Lubis Wahyu Syarvina Waizul Qarni Widiya Indah Lestari Wilda Efrilyati Yenni Samri Juliati Nasution Zuhra Nahda Zuhrani Gumas Damanik Zuhrinal M. Nawawi